What's Actually on the Florida Insurance Exam?
Thinking about what’s next in insurance? Get clear guidance and practical resources built for Florida.
- Passing score: You need 70% correct to pass any Florida insurance licensing exam administered by Pearson VUE
- Format: Multiple-choice questions covering both national insurance concepts and Florida-specific laws and regulations
- Time limits: Typically 2 hours for single-line exams with 100-150 questions depending on license type
The Florida insurance licensing exam tests your knowledge of insurance fundamentals and state-specific regulations. The Florida Department of Financial Services (DFS) contracts with Pearson VUE to administer all insurance licensing examinations at testing centers throughout the state.
How Is the Florida Insurance Exam Structured?
Every Florida insurance exam contains two main sections. The general knowledge section covers national insurance concepts including policy types, underwriting principles, and industry practices. The state-specific section tests your understanding of Florida insurance laws, regulations, and consumer protections unique to the Sunshine State.
| License Type | Total Questions | Time Limit | Scored Questions |
|---|---|---|---|
| 2-15 Life & Health | 115 | 2 hours | 100 |
| 2-20 General Lines (P&C) | 150 | 2.5 hours | 135 |
| 4-40 Customer Rep | 100 | 2 hours | 85 |
| 20-44 Personal Lines | 108 | 2 hours | 100 |
Each exam includes pretest questions mixed randomly throughout. These experimental questions do not count toward your final score but help Pearson VUE develop future exams. You cannot identify which questions are pretest items.
What Topics Does the Exam Cover?
Florida publishes detailed content outlines through the Pearson VUE candidate handbookEn Fl Insurance.html Us. State-specific regulations comprise roughly 25-30% of exam questions, making effective study habitsPre License How To Study Insurance Licensing Exam Resources essential for success.
The general section covers insurance fundamentals like risk management principles, policy components, and ethical practices. For life and health licensesPre License Property And Casualty Vs Life And Health Vs All Lines Resources, expect questions on annuities, variable contracts, and Medicare regulations. Property and casualty exams emphasize homeowners coverage, commercial policies, and liability concepts.
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What Should You Bring on Exam Day?
Arrive at your Pearson VUE testing center at least 30 minutes early. Bring one valid government-issued photo ID with your signature, such as a driver's license or passport. Your name must match your exam registration exactly.
No personal items are allowed in the testing room, including phones, watches, wallets, or study materials. The testing center provides materials for notes and calculations during the exam. Understanding what successful agentsPre License Tips Becoming A Successful Insurance Agent Resources do differently starts with proper exam preparation.
What Happens If You Don't Pass?
Candidates who fail receive a diagnostic score report identifying weak areas. You can retake the exam with no waiting period, though each attempt requires paying the examination fee again. Florida limits candidates to five exam attempts within a 12-month period for the same license type.
Most candidates who prepare thoroughly with quality pre-licensing educationPre License Insurance Licensing Questions Resources pass on their first attempt. Investing in comprehensive preparation saves both time and money compared to multiple retakes.
Start Your Florida Insurance Career with Confidence
Aceable Insurance offers state-approved Florida pre-licensing courses designed to help you pass the exam on your first try. Our mobile-friendly platform lets you study anywhere, with practice exams that mirror the actual test format. Get licensed faster and start earning sooner with the education provider trusted by thousands of successful Florida insurance agents.
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