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 insurance exam is administered by Pearson VUE for the Florida Department of Financial Services and requires a 70% score to pass.
- Every exam blends national insurance content with Florida statutes, rules, and regulations weighted by line of authority.
- Question counts and time limits vary by license: Life, Health, and Variable Annuity (2-15) runs 165 questions in 2 hours 45 minutes, while General Lines (2-20) runs longer.
The Florida insurance exam is a state-administered, closed-book test delivered by Pearson VUEClients Florida Insurance.aspx Home.pearsonvue.com on behalf of the Florida Department of Financial ServicesDivision Agents Licensing Agents And Adjusters Exams Myfloridacfo.com (FLDFS). Each exam combines national insurance fundamentals with Florida-specific statutes and rules. You need 70% to pass, and the score stays valid for one year while you finish your application.
Who runs the Florida insurance exam?
The FLDFS sets the content standard and approves which licenses you can hold. Pearson VUE is the official testing vendor, handling registration, scheduling, in-person testing centers, and remote-proctored options. Pearson VUE publishes the candidate handbook and the content outlines, both of which are free and updated when the state revises its statutes. Updated Florida exam content outlinesGetattachment D5b31a83 Dee9 4f9b 983a 0927eb8c9b23 Florida%20Insurance%20Examination%20Content%20Outlines.aspx Home.pearsonvue.com are the single best source for what's on the test today.
What sections does every Florida insurance exam contain?
Every Florida licensing exam is built from two parts: a national knowledge section and a Florida-specific section. Both run in one continuous timed sitting, and questions are randomized rather than grouped by section.
- National content. Insurance fundamentals: contract law, policy provisions, underwriting, ethics, and product mechanics that apply nationwide.
- Florida statutes, rules, and regulations. The Florida Insurance Code, FLDFS authority, agent responsibilities, marketing practices, and consumer protections specific to the state.
- Pretest items. A small block of unscored questions seeded throughout the exam. You can't tell which ones they are. They never affect your score.
The split between national and state content depends on your line of authority. Florida statutes can run anywhere from roughly 25% on broader exams up to a much heavier weight on specialty lines like bail bond, where state-specific procedure dominates the test.
How is each license type structured?
Florida issues several lines of authority, and each one has its own exam with its own question count, time limit, and content weighting. The table below shows the major licenses candidates pursue, along with how the exam itself is structured.
| License | Line Code | Total Questions | Time Limit | Pre-Licensing Hours |
|---|---|---|---|---|
| Life, Health & Variable Annuity | 2-15 | 165 (150 scored, 15 pretest) | 2 hours 45 minutes | 60 |
| Life Insurance | 2-14 | 100 (85 scored, 15 pretest) | 2 hours | 40 |
| Health Insurance | 2-40 | 100 (85 scored, 15 pretest) | 2 hours | 40 |
| General Lines (Property & Casualty) | 2-20 | ~170 scored questions | 3 hours 15 minutes | 200 |
| Personal Lines | 20-44 | 100 (85 scored, 15 pretest) | 2 hours | 60 |
Always confirm exact question counts and weightings against the current Pearson VUE candidate handbook before exam day. The FLDFS revises content outlines when statutes change, and the most recent update took effect at the start of the licensing year.
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 does the 2-15 (Life, Health & Variable Annuity) exam actually test?
The 2-15 is the most popular Florida license for new agents, and it covers a wide stretch of material. Expect heavy weighting on:
Life insurance fundamentals
Whole life, term, universal life, variable life, and combination products. The exam digs into riders, dividend options, settlement options, nonforfeiture provisions, and the differences between participating and non-participating contracts.
Annuities, including variable products
Fixed, indexed, single premium, deferred, and variable contracts. Questions test how annuities are taxed, how they're regulated under variable contract rules, and how they fit into retirement planning.
Health insurance
Major medical, disability income, accidental death and dismemberment, Medicare Supplement plans, long-term care, and group health. Florida-specific topics like Florida Healthy Kids Corporation and HIV-related disclosure rules show up here.
Florida statutes and rules
Marketing practices, replacement rules, agent licensing requirements, the role of the FLDFS, the Office of Insurance Regulation, and the insurance guaranty fund. This is the section most candidates underestimate. For a smarter prep approach, review our study tips built around the exam blueprint.
What does the 2-20 (General Lines) exam actually test?
The 2-20 is the longest pre-licensing pathway in Florida and the broadest exam. Property and casualty fundamentals dominate, but Florida-specific entities and laws drive a meaningful share of the questions.
Property insurance
Homeowners forms, dwelling policies, inland marine, and the National Flood Insurance Program. Florida puts extra weight on hurricane-related coverage and Citizens Property Insurance Corporation.
Casualty insurance
Personal auto, commercial auto, general liability, workers' compensation, and umbrella/excess liability. The Florida Automobile Joint Underwriting Association and comparative negligence law also appear.
Florida-specific commercial topics
Surplus lines, premium financing, adjuster practices, and equipment breakdown coverage. Candidates who skim past Citizens, FIGA, and FAJUA are the ones who walk out frustrated.
Want the full road map from enrollment through application? Our guide on the Florida license walks through every step.
What's the format and scoring like?
All Florida insurance exams use multiple-choice questions with four answer options. There is no penalty for guessing, so every question deserves an answer. You'll see your pass/fail result on the screen as soon as you submit the test, and Pearson VUE emails a score report. If you fail, the report includes a diagnostic breakdown showing your performance by topic, which is the single most useful retake-prep document you can have.
How does Florida compare to other states?
Florida sits in the middle of the pack for total exam length on standard lines. The 60-hour pre-licensing requirement for the 2-15 is moderate. The 200-hour requirement for the 2-20 is on the higher end nationally, but it pays off with the broadest single-license selling authority in the state. Compared to Texas (40 hours general lines), California (52 hours fire and casualty broker-agent), or Georgia (40 hours), Florida is more rigorous on property and casualty but in line on life and health.
What can slow down the licensing process in Florida?
- Name mismatches between your government ID, your Pearson VUE account, your pre-licensing course enrollment, and your FLDFS application. Even a missing middle initial can trigger a denial.
- Waiting too long after passing the exam. The score is valid for one year, and missing that window means retaking and passing the exam again.
- Late or incomplete fingerprinting through IdentoGO. Fingerprints are tied to your transaction control number and must reach the FLDFS while your application is open.
- Skipping pretest review of the Florida statutes section. State law questions are where most candidates lose points.
- Application errors on MyProfile. Wrong residency declarations, missing employment history, or unanswered character questions stall reviews.
For more detail on policies that affect your timeline, review our breakdown of exam fees and the realistic licensing timeline.
What happens after you pass?
Passing the exam is the credential gate, but you still need a license, fingerprints, and a carrier appointment before you can sell. Read our overview of after passing to understand the application sequence and how to choose your first carrier appointment. The biggest predictor of success in those early weeks is the quality of your prep, not just course completion. That's where the right course quality filter saves real time.
Aceable Insurance: Built for the Real Florida Exam
Florida candidates lose points on state-specific content more than anything else. Aceable Insurance's Florida pre-licensing courses are mapped directly to the Pearson VUE content outline, with practice questions weighted to match the actual exam. Mobile-first lessons, full-length practice exams, and FLDFS-reported completions mean you can move from course start to license issued without administrative drag.
Three weeks of daily prep beats a marathon weekend.
Aceable's mobile-first lessons fit a working schedule, not a textbook one.