Florida Life & Health Insurance License (2-15) Exam Overview
The Florida 2-15 Life, Health & Variable Annuity License Exam is administered by Prometric on behalf of the Florida Department of Financial Services (DFS). Florida's growing population and retirement community make it one of the best states for insurance professionals.
The 2-15 license allows you to sell life insurance, health insurance, and variable annuity contracts in the Sunshine State.
Exam Format at a Glance
| Component | Details |
|---|---|
| Total Questions | 150 multiple-choice |
| Scored Questions | 150 |
| Time Limit | 2 hours 15 minutes |
| Passing Score | 70% (105 correct answers) |
| Testing Vendor | Prometric |
| Exam Fee | $45.50 |
| Pre-licensing Education | 60 hours required |
Why Get Licensed in Florida?
- Third-largest state — Over 22 million residents
- Massive retirement market — Life insurance and annuities in high demand
- No state income tax — Keep more of your commissions
- Year-round selling season — No seasonal slowdowns
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Key Topics Covered on the Exam
1. Life Insurance (30%)
Products You Must Know:
- Term Life (renewable, convertible, decreasing)
- Whole Life (ordinary, limited pay, single premium)
- Universal Life (fixed, indexed, variable)
- Variable Life Products
Florida-Specific Provisions:
| Provision | Florida Requirement |
|---|---|
| Grace Period | 30 days |
| Incontestability | 2 years |
| Suicide Exclusion | 2 years |
| Free Look Period | 14 days (21 for seniors) |
| Viatical Settlement Notice | Required |
2. Health Insurance (30%)
Major Coverage Types:
- Major medical insurance
- Disability income insurance
- Long-term care insurance
- Medicare supplement insurance
Florida Health Topics:
- Florida Healthy Kids program
- Florida KidCare
- Florida Blue Cross Blue Shield marketplace
- Hurricane-related coverage rules
3. Annuities (20%)
Florida's large retirement population means annuities are heavily tested:
- Fixed annuities
- Variable annuities (included in 2-15)
- Indexed annuities
- Florida senior protection rules
- Suitability requirements
4. Florida Insurance Regulations (15%)
Key Florida Statutes:
- Florida Insurance Code (Title XXXVII)
- Chapter 626 — Insurance field representatives
- Chapter 627 — Insurance rates and contracts
- Chapter 641 — Health maintenance organizations
Agent Requirements:
- Pre-licensing: 60 hours
- CE: 24 hours every 2 years (including 5 hours ethics)
- Background check and fingerprinting required
5. Ethics and General Insurance (5%)
- Agent duties and responsibilities
- Handling client funds
- Policy delivery requirements
- Complaint procedures
Study Timeline for Success
| Week | Focus Area | Hours |
|---|---|---|
| Week 1-2 | Life insurance products | 12-15 |
| Week 2-3 | Health insurance coverage | 12-15 |
| Week 3-4 | Annuities (heavy focus) | 12-15 |
| Week 4-5 | Florida statutes | 10-12 |
| Week 5-6 | Practice exams | 12-15 |
Total recommended study time: 60-75 hours
🎯 Free Practice Questions Available
Practice with hundreds of free questions designed for the Florida 2-15 exam.
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Florida-Specific Exam Tips
1. Master Florida's Senior Protections
Florida has strict rules protecting seniors:
- 21-day free look for those 65+
- Enhanced suitability for annuity sales
- Viatical settlement regulations
- Specific disclosure requirements
2. Know These Florida Numbers
| Topic | Florida Requirement |
|---|---|
| Free look (standard) | 14 days |
| Free look (65+) | 21 days |
| Grace period | 30 days |
| Pre-licensing | 60 hours |
| CE requirement | 24 hours/2 years |
| Ethics CE | 5 hours required |
3. Understand Variable Annuities
The Florida 2-15 license includes variable annuities:
- Requires securities registration (Series 6 or 7)
- Know surrender charges
- Understand subaccount options
- Death benefit variations
Common Mistakes to Avoid
- Ignoring senior protections — Florida is a retirement state
- Underestimating annuities — 20% of the exam
- Skipping Florida statutes — Know Chapter 626 and 627
- Poor time management — 2:15 is tight for 150 questions
- Forgetting variable annuity rules — They're included in 2-15
After Passing Your Exam
- Apply through MyProfile on Florida DFS website
- Complete fingerprinting via Fieldprint
- Pay license fee — $13.50 initial fee
- Receive license — Usually 5-10 business days
- Complete appointments with insurance carriers
2026 Florida Updates
For 2026, be aware of:
- Updated hurricane coverage requirements
- New Medicare Supplement regulations
- Enhanced senior protection rules
- Modified CE delivery options
Start Your Florida Insurance Career Today
Florida's growing population and retirement community create endless opportunities. Pass your 2-15 exam on the first try with our free prep.
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Our free study materials include:
- ✅ Complete topic coverage for 2-15 exam
- ✅ Practice questions with detailed explanations
- ✅ Florida statute summaries
- ✅ Annuity and senior protection focus
- ✅ AI-powered study assistance
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