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Life and health insurance (Texas)
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 Texas Department of Insurance, given by Pearson VUE.
Life, accident and health exam
130 scored questions (145 in total), 150 minutes, to pass: a scaled score of 70 out of 100.
| Topic | Share |
|---|---|
| Life: Types of Policies | 12% |
| Life: Policy Riders, Provisions, Options, and Exclusions | 12% |
| Life: Completing the Application, Underwriting, and Delivering the Policy | 9% |
| Life: Retirement and Other Insurance Concepts | 6% |
| Health: Types of Policies | 12% |
| Health: Policy Provisions, Clauses, and Riders | 12% |
| Health: Social Insurance | 5% |
| Health: Other Insurance Concepts | 4% |
| Health: Field Underwriting Procedures | 6% |
| Texas Statutes and Rules Common to Life and Health Insurance | 11% |
| Texas Statutes and Rules Pertinent to Life Insurance Only | 5% |
| Texas Statutes and Rules Pertinent to Accident and Health Insurance Only | 5% |
| Texas Statutes and Rules Pertinent to Health Maintenance Organizations | 2% |
The official outline: www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/124401.pdf. Checked 2026-10-08.
Sources
- Pearson VUE Texas Insurance Content Outlines #124401 (effective September 1, 2026): General Lines - Life, Accident and Health = Life and Health General Knowledge (100 scoreable + 10 pretest) plus Life and Health Agent State Specific (30 scoreable + 5 pretest), retrieved 2026-10-08.
- Pearson VUE, Texas Insurance Candidate Handbook, retrieved 2026-10-07.
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.