What's Actually on the Florida Insurance Exam?
Pearson VUE runs the exam. FLDFS sets the standard.
Aceable Insurance's Florida pre-licensing maps directly to the Pearson VUE content outline, weighted to match what's actually tested.
Quick Answer:
- The Florida Life and Health exam (2-15) content outline is about 67 percent general insurance knowledge and 33 percent Florida law, across 165 questions, 150 of them scored, in 2 hours and 45 minutes.
- You need 70 percent to pass every Florida insurance licensing exam, delivered by Pearson VUE for the Florida Department of Financial Services.
- Finish your required course first: 60 hours for the Life and Health license and 200 hours for the General Lines property and casualty license.
How the Florida Insurance Exam Is Set Up
The Florida Department of Financial Services (DFS) licenses agents, and Pearson VUE delivers the exams. Every exam mixes national insurance concepts with Florida statutes, rules and regulations. A few unscored pretest questions are mixed in, so answer every question like it counts.
Florida Life and Health Exam Content Outline
The 2-15 exam covers health and life insurance, including annuities and variable contracts. Under the current Pearson VUE content outline:
- General knowledge, about 67 percent: life insurance basics and policy types, provisions, options and riders, annuities, health insurance basics and policy types, disability income, medical expense coverage and taxes.
- Florida law common to all lines, about 13 percent: licensing, agent conduct and the rules every Florida agent follows.
- Florida law for life and annuities, about 10 percent: including variable products.
- Florida law for health insurance, about 10 percent.
That means roughly one in three scored questions is about Florida specifically, which is why general study material alone falls short.
Florida Property and Casualty Exam Content Outline
The General Lines (2-20) exam covers property and casualty insurance for agents who want to sell home, auto, and business coverage. Expect:
- Property and casualty basics: insurable risk, perils, hazards, policy structure, and loss valuation.
- Personal lines: dwelling and homeowners policies and the personal auto policy.
- Commercial lines: commercial property, general liability, commercial auto, and workers' compensation.
- Florida law: state statutes and rules, including Florida-specific coverage requirements such as no-fault personal injury protection for auto.
Prefer a narrower path into property and casualty? Florida also offers a Personal LinesFlorida Personal Lines Pre License license focused on home and auto coverage.
Scoring, Timing and Retakes
- Passing score: 70 percent on every Florida insurance licensing exam. On the 2-15, that is 105 of 150 scored questions.
- Time: 2 hours and 45 minutes for the 2-15, which works out to about a minute per question.
- Results: Pearson VUE gives you a score report when you finish, with diagnostic information if you need to retest.
- Retakes: Reschedule with Pearson VUE and pay the exam fee again. Use your diagnostic report to target your study first.
Florida's 70 percent standard matches states like PennsylvaniaPre License How Hard Is The Pennsylvania Insurance Exam Resources and TennesseePre License Tennessee Insurance Exam Passing Score Format And What You Need To Know Resources, while CaliforniaPre License What Score Do You Need To Pass The California Insurance Exam Resources sets its bar at 60 percent.
Choose a State and Course
You're about to memorize 165 questions. Take 30 seconds first to see what they pay you to know.
Spoiler: it's a lot.
What You Must Complete Before the Exam (Required Course Hours)
Florida is an hour state. Before you sit the exam, you must complete a DFS-approved pre-licensing course for your license:
- Life and Health (2-15): 60 hours.
- General Lines property and casualty (2-20): 200 hours.
Those hours exist for a reason: they cover the same outline the exam tests. Plan a schedule you can keep, finish every hour, and then book your exam.
How to Prepare
- Read the content outline first so you know where the points are.
- Give Florida law its own study time. On the 2-15, it is about a third of the exam.
- Take timed practice exams at full length to build stamina.
- Book your exam when your practice scores sit comfortably above 70 percent.
Aceable Insurance's Florida courses are built around the exam outline, with short lessons that work on any device and a 30-Day Satisfaction Guarantee. For a full plan, see how to study. Once you are licensed, plan for Florida CE hours, and sharpen your routine with these study strategies.
Frequently Asked Questions
What Is on the Florida Life and Health Insurance Exam?
The 2-15 exam is about 67 percent general life, health, and annuity knowledge and 33 percent Florida law, across 150 scored questions plus 15 unscored pretest questions.
What Score Do You Need to Pass the Florida Insurance Exam?
You need 70 percent on every Florida insurance licensing exam. On the 2-15, that is 105 of 150 scored questions.
Do I Have to Finish a Course Before the Florida Exam?
Yes. Complete a DFS-approved pre-licensing course first: 60 hours for Life and Health and 200 hours for General Lines.
Know the Outline Before You Walk In
A third of the Life and Health exam is Florida law, and every hour of your course counts. Start with Florida courses built to the state outline, and walk in knowing where every point comes from.
Three weeks of daily prep beats a marathon weekend.
Aceable's mobile-first lessons fit a working schedule, not a textbook one.