Florida uses the same 70% passing standard for these licensing exams, but the number of questions differs by license type. Understanding the difference between scored and unscored pretest questions makes it easier to see how the passing score is calculated and how many correct answers are actually needed.
How Many Questions Do You Need to Answer Correctly?
The number of correct answers needed to pass depends on the number of scored questions on the exam. Pearson VUE’s current Florida examination content outlines list:
- 2-15 Health & Life, including Annuities & Variable Contracts: 150 scored questions plus 15 pretest questions. At least 105 scored questions must be answered correctly to reach 70%.
- 2-14 Life, including Annuities & Variable Contracts: 85 scored questions plus 10 pretest questions. At least 60 scored questions must be answered correctly to reach 70%.
- 2-40 Health: 85 scored questions plus 10 pretest questions. At least 60 scored questions must be answered correctly to reach 70%.
Pretest questions are mixed throughout the exam and are not identified, so every question should be answered as though it counts toward the final score.
What Are Pretest Questions?
Pretest questions are included in the Florida insurance exam to test new questions before they are used as scored questions on future exams. They are included so testing administrators can evaluate how candidates respond, without affecting your score.
These questions:
- Do not count toward your score
- Are mixed in with scored questions
- Are not identified during the exam
Your final score is determined using only the scored portion of the exam, even though you must answer all questions presented. Because pretest questions are included, the number of correct answers required may not match the total number of questions presented.
How Florida Insurance Exam Scoring Works
Florida insurance exams require a score of 70% to pass. Pretest questions do not affect the score and are mixed in with the scored questions without being identified.
Your score is based on the scored questions you answer correctly. When the exam is completed, Pearson VUE provides a score report showing whether you passed or failed, along with a numeric score and diagnostic information.
What Happens If You Don’t Pass?
If you do not pass the exam:
- You may schedule another attempt and must pay a new exam fee.
- Florida limits candidates to five attempts of the same exam type within a rolling 12-month period.
- After reaching five attempts, you must wait until an earlier attempt falls outside that 12-month window before testing again.
A passing examination result is valid for one year. You must apply for the license within one year of the passing date. After that, the examination result becomes void and you must pass the exam again.
How to Prepare for the Exam
The best way to be prepared is to complete your pre-licensing course and begin taking practice exams so you can determine when you are ready to schedule the state licensing exam. Once you are ready, you can learn where to take the exam and schedule your appointment through Pearson VUE.
To be ready:
- Complete the required pre-licensing course and review all tested subjects.
- Practice with varied exam-style questions.
- Review incorrect answers and strengthen weaker subjects.
- Take 100-question practice exams under timed conditions.
- Average at least 80% across multiple timed practice exams, with consistent performance across different subjects and question sets, before scheduling the state exam.
Consistent results across different practice exams provide a better measure of preparation than relying on a single score.
Frequently Asked Questions
What score do you need to pass the Florida insurance exam?
A score of 70% is required to pass the Florida insurance licensing exam. Unscored pretest questions do not affect the final score.
How many correct answers are needed to pass?
The 2-15 exam requires at least 105 correct answers out of 150 scored questions. The 2-14 and 2-40 exams each require at least 60 correct answers out of 85 scored questions. Each exam also contains additional unscored pretest questions.
What are pretest questions on the Florida insurance exam?
Pretest questions are included on your exam to evaluate new questions before they are added as scored questions in future exams. They are mixed in with the rest of the exam, do not count toward your score, and are not identified. Because of this, the total number of questions you see may be higher than the number used to calculate your final score.
How many times can you take the Florida insurance exam?
You can take the same exam up to 5 times within a 12-month period. After reaching the limit, you must wait until an earlier attempt falls outside that window before testing again.
How long is your Florida insurance exam result valid?
A passing Florida insurance exam result is valid for one year. You must apply for the license within one year of the passing date. After one year, the exam result becomes void and you must retake and pass the exam.
Next Step: Prepare for the Florida Insurance Exam
Knowing that the Florida insurance exam requires a 70% passing score can help you set a clear goal, but practice exam performance should consistently exceed the minimum before you schedule the state exam.
Review our How to Pass the Florida Insurance Exam guide for preparation strategies, practice exam guidance, and tips for determining when you are ready to test. When you’re ready to begin, explore our Florida Insurance Courses for the required state-approved pre-licensing education and exam preparation.
