What Is the Passing Score for the Florida Insurance Exam?
The Florida insurance exam passing score is 70 percent for all major license types. Understanding the Florida insurance exam score can help you prepare more effectively and know how many questions you need to answer correctly. Your final score is calculated using only the scored portion of the exam, not the total number of questions presented.
- The passing score is 70 percent for all major license types
- Your score is based only on scored questions
- Pretest questions are included but do not count toward your score
- The number of correct answers required depends on the exam type
- Most candidates need 105 correct answers on the 2-15 exam and 60 on the 2-14 or 2-40 exams
How Many Questions Are on Each Exam
The number of correct answers required depends on how many questions are scored on your specific exam.
The state exam includes scored questions and unscored pretest questions. The breakdown below shows how many questions you need to pass for each license type:
- Florida 2-15 Life, Health & Variable Annuity – 150 scored questions and 15 pretest questions (165 total). You need 105 correct answers to pass.
- Florida 2-14 Life & Variable Annuity – 85 scored questions and 10 pretest questions (95 total). You need 60 correct answers to pass.
- Florida 2-40 Health – 85 scored questions and 10 pretest questions (95 total). You need 60 correct answers to pass.
Pretest questions do not count toward your score, but they are mixed into the exam and not identified. Because of this, you should treat every question as if it counts.
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 the Exam Is Scored
The Florida insurance exam score is calculated as a percentage based on correct answers to scored questions.
The final score reflects only the questions that count toward the exam result:
- Each scored question is weighted equally
- There is no penalty for incorrect answers
- Only scored questions are used to calculate the final percentage
After you complete the exam, your score is calculated immediately based on the number of correct answers compared to the total number of scored questions.
Because pretest questions are included but not scored, the number of questions presented may be higher than the number used to calculate your final score. This is why you should answer every question as if it counts.
What Happens If You Fail the Exam?
If you do not pass the exam:
- You can retake the same exam type, but each attempt requires a new exam fee
- The Florida Department of Financial Services limits you to 5 attempts for the same exam within a 12-month period
- Once you reach 5 attempts, you must wait until a prior attempt falls outside the 12-month window before testing again
If you pass the exam, your passing exam result is valid for 12 months. You must apply for your license within that time period or you may be required to retake the exam.
- The passing score is always 70 percent
- Pretest questions do not count toward your score
- You must answer every question as if it counts
- Retakes require a new exam fee
- Passing requires consistent accuracy across topics, not perfection
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 full pre-licensing course and review all required topics
- Take practice exams throughout your preparation and aim to consistently score between 80% and 90% before scheduling the state exam.
- Focus on exam-style questions to become familiar with wording, structure, and answer choices
- Practice under timed conditions so you can manage pacing and avoid rushing through questions
Consistent practice helps reduce mistakes caused by misreading questions and improves accuracy under time pressure.
Consistently scoring in the 80% to 90% range on practice exams can help demonstrate readiness while identifying areas that may need additional review before taking the state exam.
Frequently Asked Questions
What score do you need to pass the Florida insurance exam?
The passing score is 70%, calculated only from the scored questions on the exam.
How many correct answers are needed to pass?
The number of correct answers depends on the exam type and how many questions are scored. For example, the Florida 2-15 exam requires 105 correct answers out of 150 scored questions, while the 2-14 and 2-40 exams require 60 correct answers out of 85 scored 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 12 months. You must complete the licensing process within that period or you may be required to retake 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.
