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Which state agency regulates the insurance industry in Florida?

Florida Department of Business and Professional Regulation

Florida Office of Insurance Regulation (OIR)

Florida Department of Financial Services

Florida Insurance Commission

to track

2026 Statistics

Key Facts: FL Life & Health Exam

58%

First-Time Pass Rate

FL OIR 2024

200 Q

Exam Questions

FL OIR

60 hrs

Pre-License Course

FL OIR

2-15

License Type

Life + Health + VA

$300K

Guaranty Life Limit

FL Guaranty Assoc.

$52.50

Exam Fee

Pearson VUE

Florida's 2-15 life and health insurance exam has a 58% first-time pass rate. It requires 200 hours of pre-license study (60-hour course), 200 questions in 2.5 hours, and 70% to pass. Florida is unique as a 2-15 license state (covering life, health, AND variable annuities), requires a 200-question exam (one of the longest), and has specific replacement comparison regulations under Florida Administrative Code 69B-162.

Sample FL Life & Health Practice Questions

Try these sample questions to test your FL Life & Health exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 200+ question experience with AI tutoring.

1Which state agency regulates the insurance industry in Florida?

A.Florida Department of Business and Professional Regulation

B.Florida Office of Insurance Regulation (OIR)

C.Florida Department of Financial Services

D.Florida Insurance Commission

Explanation: The Florida Office of Insurance Regulation (OIR) is the state agency responsible for regulating the insurance industry in Florida. OIR operates under the Financial Services Commission and handles rate filings, company solvency, market conduct, and licensing of insurance companies. The Department of Financial Services handles agent licensing, fraud investigations, and consumer complaints.

2In Florida, what license line of authority allows an agent to sell life insurance, health insurance, and variable annuity contracts?

A.2-14 (Life Including Variable Annuity)

B.2-15 (Life, Health, and Variable Annuity)

C.2-16 (Health Insurance)

D.2-40 (Health Insurance)

Explanation: The 2-15 license is the most comprehensive life and health license in Florida, authorizing the sale of life insurance, health insurance, and variable annuity contracts. The 2-14 license covers life including variable annuity but does not include health insurance. The 2-40 license covers health insurance only. There is no 2-16 license designation in Florida.

3How many hours of pre-licensing education are required before taking the Florida 2-15 (Life, Health, and Variable Annuity) license exam?

A.40 hours

B.50 hours

C.60 hours

D.80 hours

Explanation: Florida requires 60 hours of pre-licensing education to qualify for the 2-15 license examination. This coursework covers life insurance, health insurance, variable annuity products, and Florida insurance law. The course must be completed through a state-approved education provider, and candidates must pass the provider's course exam before sitting for the state licensing exam.

4How many hours of continuing education (CE) must a Florida-licensed insurance agent complete during each 2-year license period?

A.16 hours

B.20 hours

C.24 hours

D.30 hours

Explanation: Florida requires licensed insurance agents to complete 24 hours of continuing education every 2-year license period. Of those 24 hours, at least 5 hours must specifically cover Florida insurance law and ethics, and 3 hours must cover ethics. This requirement ensures agents stay current with regulatory changes and maintain professional standards.

5Of the 24 hours of continuing education required in Florida, how many hours must cover Florida insurance laws and ethics?

A.3 hours

B.4 hours

C.5 hours

D.8 hours

Explanation: Out of the 24 hours of CE required per renewal period, at least 5 hours must be dedicated to Florida insurance laws and ethics. This state-specific requirement ensures that Florida agents maintain a thorough understanding of Florida statutes, OIR regulations, and the ethical standards governing insurance practice in the state.

6In Florida, within how many days after an insurer appoints an agent must the appointment be filed with the Department of Financial Services?

A.10 days

B.14 days

C.30 days

D.60 days

Explanation: Under Florida law, when an insurer appoints an agent, the appointment must be filed with the Department of Financial Services within 14 days. The appointment establishes the agent's authority to act on behalf of that specific insurer. Failure to timely file the appointment can result in penalties for both the insurer and the agent.

7A Florida insurance agent allows their license to become inactive. How long does the agent have to reactivate the license before it is automatically terminated?

A.12 months

B.24 months (2 years)

C.36 months (3 years)

D.48 months (4 years)

Explanation: In Florida, an inactive license will be automatically terminated if not reactivated within 48 months (4 years). During the inactive period, the agent may not transact insurance business. To reactivate, the agent must complete any delinquent continuing education requirements and pay applicable reinstatement fees before the 48-month deadline.

8Which of the following is a requirement for obtaining a Florida insurance license?

A.Must be at least 21 years old

B.Must be a Florida resident for at least 1 year

C.Must be at least 18 years old and have completed the required pre-licensing course

D.Must hold a college degree in business or finance

Explanation: To obtain a Florida insurance license, an applicant must be at least 18 years old and have completed the required pre-licensing education course. The applicant must also pass the state licensing exam, submit to a background check, and meet character/fitness requirements. There is no college degree requirement or residency duration requirement.

9In Florida, which entity has the authority to investigate insurance fraud?

A.The Office of Insurance Regulation (OIR)

B.The Division of Insurance Fraud within the Department of Financial Services

C.The Florida Attorney General's office exclusively

D.The Florida Insurance Guaranty Association

Explanation: The Division of Insurance Fraud within the Florida Department of Financial Services has the authority to investigate suspected insurance fraud. This division employs sworn law enforcement officers who investigate fraud committed by consumers, agents, and insurers. While OIR regulates insurance companies, the Division of Insurance Fraud handles criminal fraud investigations.

10A nonresident agent wishes to sell insurance in Florida. Which of the following is TRUE?

A.The agent must complete Florida's 60-hour pre-licensing course

B.The agent must maintain a valid license in their home state and apply for a nonresident Florida license

C.Nonresident agents are prohibited from selling insurance in Florida

D.The agent must establish a physical office in Florida

Explanation: A nonresident agent can sell insurance in Florida by maintaining a valid, active license in their home (resident) state and applying for a nonresident Florida license. The nonresident agent does not need to complete Florida's pre-licensing course or take the Florida exam, as long as reciprocal licensing agreements exist between Florida and the agent's home state.

About the FL Life & Health Exam

Florida's 2-15 life, health, and variable annuity agent exam covers Florida Statutes Title XXXVII (Insurance), the Florida Insurance Code, OIR licensing requirements, the Florida Life and Health Insurance Guaranty Association, replacement regulations, and Florida-specific consumer protections including the Illustration Act.

Questions

200 scored questions

Time Limit

2 hours 30 minutes

Passing Score

70%

Exam Fee

$52.50 (Florida Office of Insurance Regulation (OIR) / Pearson VUE)

FL Life & Health Exam Content Outline

25%

FL OIR & Licensing

OIR licensing, 60-hour 2-15 course, appointment, CE requirements (24 hrs/2 yrs including 5 hrs law)

25%

FL Life Insurance Laws

FL Insurance Code life provisions, 14-day free look, replacement comparison summary, annuity suitability, Illustration Act

25%

FL Health Insurance Laws

FL health policy requirements, Healthy Kids, KidCare, Medicare supplement, small group reform, long-term care

25%

FL Ethics & Practices

Unfair Insurance Trade Practices Act, FL Guaranty Association, producer conduct, penalties, surplus lines

How to Pass the FL Life & Health Exam

What You Need to Know

Passing score: 70%
Exam length: 200 questions
Time limit: 2 hours 30 minutes
Exam fee: $52.50

Keys to Passing

Complete 500+ practice questions
Score 80%+ consistently before scheduling
Focus on highest-weighted sections
Use our AI tutor for tough concepts

FL Life & Health Study Tips from Top Performers

1Know the 2-15 license scope: life + health + variable annuities in one license

2Master FL replacement comparison summary requirements under 69B-162

3Understand the 14-day free look period (10 days for most, 14 for replacements)

4Study FL Guaranty Association limits: $300K life, $300K annuity, $500K health

5Learn Florida's 24-hour CE requirement including 5 hours of Florida law

Frequently Asked Questions

What is a Florida 2-15 license?

The Florida 2-15 license allows agents to sell life insurance, health insurance, AND variable annuity products. It's more comprehensive than most states' separate life/health and variable annuity licenses, making it one of the most versatile insurance licenses.

How hard is the Florida 2-15 life and health exam?

The FL 2-15 exam has a 58% first-time pass rate with 200 questions in 2.5 hours, requiring 70% to pass. The 200-question format makes it one of the longest insurance exams. Florida-specific topics like the Insurance Code, replacement comparison summary, and the Guaranty Association are heavily tested.

What is Florida's replacement comparison summary requirement?

Under Florida Administrative Code 69B-162, when replacing an existing life insurance or annuity policy, agents must provide a replacement comparison summary statement showing the policyholder a side-by-side comparison of the existing and proposed policy benefits.

What is the Florida Guaranty Association?

The Florida Life and Health Insurance Guaranty Association protects policyholders when insurers become insolvent. Coverage limits include $300,000 for life insurance, $300,000 for annuities, and $500,000 for health insurance. Agents cannot use guaranty association coverage as a sales inducement.