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Life and health insurance (Florida)
Anyone who sells life insurance, health insurance or annuities needs a state agent license. The Florida 2-15 exam covers life policies, provisions and underwriting, annuities, health policies and provisions, social insurance, and the Florida insurance code.
Florida law makes it unlawful to sell or solicit insurance without a license from the Department of Financial Services, and every state has the same rule for its own license. Florida Statutes, Section 626.112 (License required).
Practice and timed mocks are free, with right or wrong on every answer and your total score. The full analysis is $39, once.
How the exam is built
Owned by Florida Department of Financial Services, given by Pearson VUE.
Life, health and variable annuity exam
150 scored questions (165 in total), 165 minutes, to pass: 70% of scored questions right.
| Topic | Share |
|---|---|
| General Knowledge I. Types of Life Policies and Features | 10% |
| General Knowledge II. Life Policy Riders, Provisions, Options, and Exclusions | 10% |
| General Knowledge III. Completing the Life Application, Underwriting, and Delivering the Policies | 8% |
| General Knowledge IV. Retirement, and Other Life Insurance Concepts | 5% |
| General Knowledge V. Types of Health Policies | 11% |
| General Knowledge VI. Health Policy Provisions, Clauses, and Riders | 10% |
| General Knowledge VII. Social Insurance | 4% |
| General Knowledge VIII. Other Health Insurance Concepts | 4% |
| General Knowledge IX. Field Underwriting Procedures | 5% |
| Florida Statutes, Rules, and Regulations I. Common to All Lines | 13% |
| Florida Statutes, Rules, and Regulations II. Pertinent to Life and Annuity Insurance, Including Variable Products | 10% |
| Florida Statutes, Rules, and Regulations III. Pertinent to Health Insurance | 10% |
The official outline: www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/121003.pdf. Checked 2026-10-08.
Sources
- Florida Agent's Health & Life (including Annuities & Variable Contracts), license type 2-15, Florida Insurance Examination Content Outlines effective January 1, 2026, retrieved 2026-10-08.
- Exam format and pass rule, retrieved 2026-10-08.
Questions are original, written from the official outline and primary sources under an assessment framework designed by Julian Calvo, Ed.D., M.S. DecipherU is not affiliated with the Florida Department of Financial Services or Pearson VUE. Every practice question is original and written from Florida law, federal law and the official outline.