Key Takeaways
- Florida requires 60 hours of pre-licensing education for the 2-15 Life & Health license (40 hours for 2-40 Health Only)
- The exam is administered by Pearson VUE at testing centers only (remote exams discontinued February 2024)
- Must pass pre-licensing course final exam with 70%; certificate valid for 4 years
- Florida requires 24 hours of CE every 2 years (20 hours after 6 years licensed) including 4-hour Law & Ethics Update
- Applicants must be Florida residents, US citizens or legal aliens with work authorization
Florida Life & Health Exam Overview
Welcome to OpenExamPrep's FREE Florida Life & Health Insurance exam prep guide. This comprehensive resource covers Florida-specific regulations, licensing requirements, and state insurance laws you need to know to pass your exam.
About the Florida L&H Exam
The Florida Life & Health insurance examination is administered by Pearson VUE on behalf of the Florida Department of Financial Services (DFS). The exam tests your knowledge of:
- Florida Insurance Code and regulations
- Life insurance principles and coverages
- Health insurance including major medical, disability, and LTC
- Annuities and variable contracts
- Ethics and professional conduct
Florida License Types
| License Code | License Name | Pre-License Hours |
|---|---|---|
| 2-15 | Life & Health (Including Annuities & Variable) | 60 hours |
| 2-40 | Health Only | 40 hours |
| 2-14 | Life Only (Including Annuities & Variable) | 40 hours |
Exam Structure
| Exam Component | Details |
|---|---|
| Testing Provider | Pearson VUE |
| Regulatory Authority | Florida DFS & OIR |
| Passing Score | 70% or higher |
| Question Format | Multiple choice |
| Test Delivery | In-person at testing centers ONLY |
| Results | Immediate |
Important Change (February 2024): Remote state exams are NO LONGER offered in Florida. All exams must be taken in-person at a Pearson VUE examination center.
Pre-Licensing Education Requirements
Florida requires comprehensive pre-licensing education before you can sit for the state exam.
Hours Required
| License Type | Hours Required |
|---|---|
| 2-15 Life & Health | 60 hours |
| 2-40 Health Only | 40 hours |
| 2-14 Life Only | 40 hours |
Pre-Licensing Course Requirements
| Requirement | Details |
|---|---|
| Course Provider | Must be Florida-approved |
| Module Quizzes | Must pass each module with 70%+ |
| Final Exam | 165 questions, must pass with 70%+ |
| Certificate Validity | 4 years from completion |
Exam Tip: The 60-hour pre-licensing course is comprehensive. Each module has a quiz requiring 70% to pass, and the final exam has 165 questions requiring 70% to pass. Take your time and study each section thoroughly.
Applicant Requirements
Florida has specific requirements for license applicants:
| Requirement | Details |
|---|---|
| Age | Must be at least 18 years old |
| Residency | Must be a bona fide Florida resident |
| Citizenship | US citizen or legal alien with work authorization |
| Background | Fingerprinting and background check required |
License Application Process
Step-by-Step Process
-
Complete Pre-Licensing Education
- 60 hours for 2-15 Life & Health
- Pass all module quizzes with 70%+
- Pass final exam with 70%+ (165 questions)
- Obtain certificate of completion
-
Complete Fingerprinting
- Required before or after exam
- Register at DFS website or call (800) 528-1358
- Complete at approved location
-
Schedule Your Exam
- Register with Pearson VUE online or call (888) 274-2020
- Pay exam fee
- Must test at physical Pearson VUE center
-
Take the Exam
- Arrive at testing center with valid ID
- Pass with 70%+ score
- Results provided immediately
-
Apply for License
- Submit application to DFS
- Pay license fee
- Provide all required documentation
-
Receive License
- License issued upon approval
- Valid for 2 years
- Complete CE for renewal
License Maintenance
| Requirement | Less Than 6 Years Licensed | 6+ Years Licensed |
|---|---|---|
| CE Hours | 24 hours every 2 years | 20 hours every 2 years |
| Law & Ethics | 4-hour update required | 4-hour update required |
| L&H Split | 50% each for dual-licensed | 50% each for dual-licensed |
| Renewal | By last day of birth month | By last day of birth month |
Special Training Requirements
| Training Type | Requirement |
|---|---|
| Flood Insurance | One-time 3-hour NFIP course (P&C licensees) |
| Long-Term Care Initial | 8 hours before selling LTC |
| Long-Term Care Ongoing | 4 hours within 24 months of last course |
| Annuity Training | One-time 4-hour Best Interest course |
CE Carryover Policy
- Up to 24 excess hours can carry over to next period
- Excess ethics hours carry over as general credits only
- Cannot take same course more than once in 2-year period
Florida Department of Financial Services Contact
| Resource | Details |
|---|---|
| Website | myfloridacfo.com/Division/Agents |
| Address | 200 E. Gaines Street, Tallahassee, FL 32399 |
| Phone | (850) 413-3100 |
| Fingerprinting | (800) 528-1358 |
What This Guide Covers
This FREE study guide focuses on Florida state-specific content:
Chapter 1: Florida Insurance Regulation & Licensing
- DFS and OIR structure and authority
- Producer licensing requirements and continuing education
- Florida Insurance Code overview
Chapter 2: Florida Life Insurance Regulations
- Florida-specific life insurance laws
- Policy requirements and consumer protections
- Florida Life & Health Insurance Guaranty Association
Chapter 3: Florida Health Insurance Regulations
- Health insurance requirements in Florida
- Florida Health Insurance Exchange
- Group and individual health coverage rules
Chapter 4: Florida Ethics & Consumer Protection
- Fiduciary duties and professional conduct
- Prohibited practices and penalties
- Consumer complaint procedures
Chapter 5: Florida Annuities & Variable Contracts
- Annuity regulations and suitability
- Variable contract requirements
- Senior protection requirements
Chapter 6: Florida Long-Term Care & Medicare
- LTC insurance requirements
- Medicare supplement regulations
- Florida Partnership program
Note: This guide covers ONLY Florida state law. Complete the national Life & Health exam first for foundational knowledge.
Florida Insurance Market Context
Key Florida Insurance Facts
-
Third Largest Market
- Third-largest insurance market in the US
- Population over 22 million
- Significant retiree population
-
Unique Challenges
- Hurricane exposure
- Coastal property risks
- Robust catastrophe insurance market
-
Senior Market
- Large Medicare population
- Significant LTC insurance needs
- Annuity sales emphasis
-
Regulatory Structure
- DFS handles licensing
- OIR handles rate/form regulation
- Dual agency oversight
Study Tips for Florida Exam
Recommended Study Plan
| Week | Focus Area | Hours |
|---|---|---|
| Weeks 1-3 | Life insurance pre-licensing | 30 hours |
| Weeks 4-6 | Health insurance pre-licensing | 30 hours |
| Week 7 | Practice exams and review | 10-15 hours |
| Week 8 | Final review and state law focus | 8-10 hours |
Key Focus Areas
-
Florida Insurance Code
- State-specific requirements
- Consumer protection laws
- Producer obligations
-
DFS & OIR Authority
- Regulatory powers
- Enforcement actions
- Complaint procedures
-
Unique Florida Requirements
- Sinkhole coverage
- Hurricane deductibles
- Citizens Property Insurance
Next Steps
Ready to begin? Here's your action plan:
- Enroll in pre-licensing course - 60 hours for 2-15 license
- Pass all module quizzes - 70% required on each
- Pass final exam - 165 questions, 70% required
- Complete fingerprinting - Through DFS vendor
- Register with Pearson VUE - In-person only
- Complete this FREE study guide - Read all 6 chapters
- Pass exam - With confidence!
Remember: Florida no longer offers remote testing. Plan to visit a Pearson VUE testing center.
Let's get started with Chapter 1: Florida Insurance Regulation & Licensing!
How many hours of pre-licensing education does Florida require for a 2-15 Life & Health license?
As of February 2024, how must Florida insurance licensing exams be taken?
How long is a Florida pre-licensing course completion certificate valid?
After being licensed for 6+ years in Florida, how many CE hours are required every 2 years?