100+ Free FL Life & Health Practice Questions
Pass your Florida Life, Health & Variable Annuity (2-15) Exam exam on the first try with exam-style questions and AI tutor.
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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.
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
FL OIR & Licensing
OIR licensing, 60-hour 2-15 course, appointment, CE requirements (24 hrs/2 yrs including 5 hrs law)
FL Life Insurance Laws
FL Insurance Code life provisions, 14-day free look, replacement comparison summary, annuity suitability, Illustration Act
FL Health Insurance Laws
FL health policy requirements, Healthy Kids, KidCare, Medicare supplement, small group reform, long-term care
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
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.