Free Florida Life & Health Exam Prep
Florida Life, Health, and Annuities Insurance (2-15 License)
Prepare for the Florida Life & Health exam without spending hundreds on expensive prep courses. Free study guides, practice questions, flashcards, and related exam resources.
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Florida Life & Health Insurance License: Complete Roadmap
Follow this path to organize your licensing and exam preparation
Complete Pre-License Education
Enroll in and complete 60-hour DFS-approved pre-license course. Covers life insurance, health insurance, annuities, and Florida regulations. Course certificate valid for 4 years.
Life Insurance & AnnuitiesYou are here
Master life insurance products (term, whole, universal, variable), annuities (fixed, variable, indexed), policy provisions, beneficiary designations, and replacement requirements.
Health Insurance Products
Study individual and group health plans, disability income insurance, long-term care, Medicare Supplement, and the PPACA/ACA marketplace requirements.
Florida Laws & Regulations
Focus on Florida-specific content: DFS/OIR regulations, Florida Insurance Code, FIGA guaranty association, unfair trade practices, and senior suitability requirements.
Can You Take the Florida Life & Health Exam?
Check if you meet the basic eligibility requirements
- •60 hours pre-license education must be completed before exam scheduling
- •Pre-license course valid for 4 years from completion date
- •Background check required via FDLE/FBI Level 2 screening
- •Must pass exam within 1 year of pre-license completion (or retake course)
- •All license fees are non-refundable
- •CE requirements: 24 hours per 2-year period (including 3 hours ethics, 5 hours law)
Free Florida Life & Health Prep Tools
596+ Practice Questions
Practice by topic with detailed answer explanations
AI Tutor Explains Mistakes
Understand why answers are wrong, not just which ones
Updated for 2026
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What You'll Study
26 chapters covering the exam topics in this guide
Standalone Coverage Map
1 sections
Introduction: Florida Life & Health Insurance Exam Overview
1 sections
National Portion: Insurance & Risk Fundamentals
5 sections
National Portion: Life Insurance Basics
4 sections
National Portion: Interest-Sensitive & Variable Life
4 sections
National Portion: Life Policy Provisions & Options
4 sections
National Portion: Life Riders & Underwriting
4 sections
National Portion: Annuities - Structure & Types
4 sections
National Portion: Annuities - Payout, Uses & Suitability
3 sections
National Portion: Life & Annuity Taxation, Group, and Retirement
4 sections
National Portion: Health Insurance Basics
4 sections
National Portion: Disability Income Insurance
4 sections
National Portion: Health Policy Provisions & Clauses
4 sections
National Portion: Group Health & Employer Plans
4 sections
National Portion: Senior & Government Health Programs
4 sections
National Portion: Long-Term Care & Supplemental Health
4 sections
National Portion: Affordable Care Act & Individual Market
3 sections
National Portion: Underwriting, Producers & Claims
3 sections
National Portion: Insurance Regulation & Licensing
3 sections
National Portion: Ethics & Unfair Trade Practices
3 sections
Chapter 1: Florida Insurance Regulation & Licensing
3 sections
Chapter 2: Florida Life Insurance Laws
3 sections
Chapter 3: Florida Health Insurance Laws
3 sections
Chapter 4: Florida Insurance Ethics & Prohibited Practices
3 sections
Chapter 5: Florida Annuity Regulations & Senior Protections
3 sections
Chapter 6: Florida Group Insurance & Special Topics
3 sections
Florida Life & Health-Specific Topics Covered
Florida Life & Health Exam Details
Florida Life, Health, and Annuities Insurance (2-15 License)
Administered by Florida Department of Financial Services (DFS)
Exam Content Breakdown
Based on the official Florida Department of Financial Services (DFS) content outline
~33 questions: Risk principles, contract elements, policy provisions, underwriting
~38 questions: Term, whole, universal, variable life, policy provisions
~18 questions: Fixed, variable, indexed annuities, taxation, suitability
~30 questions: Medical expense, disability, LTC, Medicare Supplement
~12 questions: Group life, group health, COBRA, conversion rights
~20 questions: DFS/OIR, FIGA, unfair practices, licensing requirements
What's Included
26 Chapters
Complete exam coverage
Practice Quizzes
With detailed explanations
Free to Start
No credit card required
Quality Exam Prep Shouldn't Cost Hundreds
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.
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What's Next After the Florida Life & Health?
After passing the Florida Life & Health, you can pursue these career paths
Florida Life & Health Exam FAQ
Official Florida Department of Financial Services (DFS) Resources
Verify information with these official sources
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