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State-Specific Content Only

This covers Florida-specific laws and regulations. Most Life & Health exams have both national and state portions.

Study National Concepts First

Free FL Life & Health Exam Prep

Florida Life, Health, and Annuities Insurance

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Last updated: January 2026

FL Life & Health Exam Details

Florida Life, Health, and Annuities Insurance

Administered by Florida Department of Financial Services (DFS)

Official Source
70%
Passing Score
165
Questions
2.5
Hours
$52 exam + licensing fees
Exam Fee
Study time: 40-60 hours
Prerequisites: 60 hours pre-license education

Exam Content Breakdown

Based on the official Florida Department of Financial Services (DFS) content outline

Florida Insurance Regulation15%

DFS/OIR structure, Florida Insurance Code, licensing requirements

Life Insurance Laws25%

Policy provisions, free look periods, replacement rules

Health Insurance Laws25%

Health policy requirements, Medicare Supplement, disability

Annuity Regulations15%

Suitability requirements, senior protections, disclosures

Ethics & Prohibited Practices20%

Unfair trade practices, producer conduct, FIGA

What's Included

4 Chapters

Complete exam coverage

Practice Quizzes

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Ran Chen - AI Engineer, CFP®
CFP®
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I'm Ran Chen, an engineer with 20+ years of coding experience. I passed my Life Insurance license, EA exam, SIE, Series 6, 63, 65, and finally the CFP® exam.

Through all these exams, one thing became clear: exam prep is expensive. But with AI, we can change that. Quality preparation can now be free for everyone.

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What's Next After the FL Life & Health?

After passing the FL Life & Health, you can pursue these career paths

FL Life & Health Exam FAQ

Course Content

Official Florida Department of Financial Services (DFS) Resources

Verify information with these official sources

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