Life & Health Exam 2026: Hardest Topics and Study Plan
Video
Which state agency regulates the insurance industry in Florida?
Fl Laws Regulation
Question · Easy
Would you rather: annuity payouts
Short
Free Life & Health Insurance Practice Exam by State 2026: 5,100+ Questions
Free life and health insurance practice exams for all 50 states + DC. Over 5,100 practice questions covering policy types, regulations, and state-specific insurance laws. Pass your insurance exam in 2026.
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Florida Department of Financial Services (DFS)
FL Regulation & Licensing
Flashcard
In Florida, what license line of authority allows an agent to sell life insurance, health insurance, and variable annuity contracts?
Traditional permanent life insurance category that provides lifetime death protection and builds guaranteed cash surrender value.
Life policy types
Guess the Term
Standalone Coverage Map
Study guide
Cheat sheet
How many hours of pre-licensing education are required before taking the Florida 2-15 (Life, Health, and Variable Annuity) license exam?
1035 Exchange
term
1. IRC Section 1035 allows tax-free exchange of life insurance to life insurance/annuity/LTC, or annuity to annuity/LTC, but NOT annuity to life insurance.
Glossary
Read the clue and guess the term in 6 tries.
Game
Florida 2-15 Life & Health Exam Guide 2026 | FREE Prep
Florida Office of Insurance Regulation (OIR)
Of the 24 hours of continuing education required for a Florida 2-15 licensee, how many hours must consist of a state-approved Law and Ethics Update course?
Question · Medium
Florida Insurance Replacement Rules: Rule 69O-151 Explained (2026)
Florida insurance replacement rules under Rule 69O-151 explained in plain English. Agent duties, insurer obligations, 20-day conservation period, penalties, and common FL 2-15 exam traps.
Temporary life insurance policy that provides death protection for a stated period only and builds no cash value.
Accelerated Death Benefit
1. An accelerated death benefit is a life insurance policy provision that allows terminally ill policyholders to receive a portion of their death benefit while still living, typically when diagnosed with a terminal illness…
In Florida, within how many days after an insurer appoints an agent must the appointment be filed with the Department of Financial Services?
Irrevocable: a first dance
Life & Health insurance exam: hardest topics ranked, exam costs, and a 2026 study plan.
Florida Financial Services Commission
Which of the following is a requirement for obtaining a Florida insurance license?
Combination life insurance policy covering two or more insureds that pays the death benefit upon the first insured's death.
Introduction: Florida Life & Health Insurance Exam Overview
Florida Life & Health Exam Overview
In Florida, which entity has the authority to investigate insurance fraud?
Actual Cash Value (ACV)
1. Actual Cash Value is a property valuation method that equals replacement cost minus depreciation, representing what property is worth today after accounting for wear and tear.
Swap tiles to line up three of the same term.
Term Match
Florida 2-15 License
A Florida insurance agent is convicted of a felony. What is the consequence regarding their license?
Annuity classification backed by the insurer's general account that guarantees both principal and a minimum interest rate.
Adverse Selection
1. Adverse selection is an insurance phenomenon where higher-risk individuals are more likely to purchase insurance than lower-risk individuals, creating an imbalanced risk pool that can lead to increased premiums and pote…
Under Florida law, which of the following is grounds for mandatory (compulsory) license denial, suspension, or revocation?
Insurable interest: when does it count?
Variable Annuity Dual Licensing (Florida)
In Florida, which of the following is TRUE regarding temporary insurance licenses?
Question · Hard
Standard life policy provision stating that the policy and the attached copy of the application form the complete contract between the parties.
Life policy provisions
National Portion: Insurance & Risk Fundamentals
1.1 Risk, Peril, Hazard, and the Law of Large Numbers
Under the Florida Insurance Code, what is the standard free-look period for a new life insurance policy?
Annuity
1. An annuity is an insurance contract that provides a stream of income payments, typically for retirement, in exchange for an initial lump sum or series of payments.
Flip two cards at a time to find matching terms.
Term Pairs
Florida Pre-Licensing Education (2-15)
Under Florida's life insurance replacement rules, what must an agent provide to the applicant when recommending a replacement policy?
Cash value advance that a life insurer must make on the sole security of the policy while no premium is in default.
Assignment (Insurance)
1. Assignment is the transfer of some or all policy rights from the policyholder to another party, commonly used for collateral assignments (securing loans) or absolute assignments (permanent transfer of ownership).
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