Florida Insurance Exam Overview
Florida insurance licensing exams for the 2-15, 2-14, and 2-40 licenses are administered by Pearson VUE. The exams test general insurance concepts and Florida-specific laws and regulations. The number of questions and time allowed depend on the license type.
Florida insurance licensing exams:
- Is administered by Pearson VUE
- Is taken at a Pearson VUE testing center
- Includes scored questions and unscored pretest questions
- Has different question counts and time limits depending on the license type
- Requires a score of 70% to pass
- Provides a score report after the exam
Pretest questions are mixed with scored questions and are not identified during the exam. They do not affect the final score.
Our Florida Pre-Licensing Courses satisfy the applicable Florida pre-licensing education requirement and include exam preparation, exam-style practice questions, timed practice exams, instructional videos, and student support.
For the complete licensing process, review our Florida Insurance License Requirements page.
Florida Insurance Exam Format
The number of questions and time limit depend on the Florida license you are pursuing. Pearson VUE’s current examination content outlines list the following exam formats:
- 2-15 Life & Health: 150 scored questions + 15 pretest questions, 165 total, 2 hours 45 minutes
- 2-14 Life: 85 scored questions + 10 pretest questions, 95 total, 2 hours
- 2-40 Health: 85 scored questions + 10 pretest questions, 95 total, 2 hours
The 2-15 Health & Life and 2-14 Life examinations include annuities and variable contracts.
Pretest questions are used to evaluate potential questions for future examinations. They are mixed throughout the exam and are not identified, so candidates should answer every question as though it will be scored.
A score of 70% is required to pass the Florida insurance licensing exam.
What Is Covered on the Florida Insurance Exam?
Florida insurance exams cover general insurance knowledge and Florida-specific laws and regulations. The exact content depends on whether you are taking the Life, Health, or combined Health & Life examination.
Depending on the license, topics include:
- Life insurance policies and provisions
- Annuities and variable contracts
- Health insurance policies and provisions
- Applications and underwriting
- Policy delivery and contract requirements
- Florida insurance laws and regulations
- Agent licensing and responsibilities
- Marketing practices and prohibited conduct
Pearson VUE publishes a separate examination content outline for each Florida license exam. Review the current outline for the specific license you plan to obtain before taking the exam.
Is Pre-Licensing Education Required in Florida?
Yes. Florida requires pre-licensing education for the resident 2-15, 2-14, and 2-40 licenses unless the applicant qualifies for an exemption.
The standard pre-licensing requirements are:
- 2-15 Life & Health: 60-hour pre-licensing course
- 2-14 Life: 30-hour pre-licensing course
- 2-40 Health: 40-hour pre-licensing course
For the 2-15, 2-14, and 2-40 exams, Pearson VUE does not require an Examination Authorization Notice before scheduling. That preauthorization requirement applies to Bail Bond examinations. Florida pre-licensing education remains part of the licensing requirements unless the applicant qualifies for an exemption, but course completion does not need to be submitted to Pearson VUE to schedule these exams.
How to Prepare for the Florida Insurance Exam
Preparation should focus on understanding the insurance concepts and Florida laws tested on the exam and applying that knowledge to exam-style questions.
Before taking the state exam:
- Complete the applicable Florida pre-licensing course
- Review the current Florida Examination Content Outline
- Practice with exam-style questions
- Review weaker subjects and incorrect answers
- Complete timed practice exams
- Consistently score at least 80% on comprehensive practice exams before test day
For a complete study strategy, review our How to Pass the Florida Insurance Exam article.
How to Schedule the Florida Insurance Exam
Florida insurance exams are scheduled through Pearson VUE. Candidates create an account, select the appropriate Florida insurance examination, choose an available testing center and appointment, and pay the examination fee when making the reservation.
The Florida insurance examination fee is $44 per attempt. Appointments may be scheduled as late as one calendar day before the desired test date, subject to availability.
Florida insurance licensing exams are taken at Pearson VUE testing centers. Pearson VUE’s current Florida program provides test-center scheduling rather than remote online delivery for the licensing exam.
To find testing locations and review scheduling information, visit our Florida Insurance Exam Locations article.
What to Expect on Florida Insurance Exam Day
Candidates should arrive at the Pearson VUE testing center at least 30 minutes before the scheduled examination.
Bring one current, unexpired government-issued photo ID with a valid signature. The name on the identification must exactly match the name used for the exam registration.
During check-in, Pearson VUE will review your identification, take your photograph for the score report, and require you to review and sign the Candidate Rules Agreement. You will also have an opportunity to complete an on-screen tutorial before beginning the exam. Tutorial time does not reduce the time available for the examination.
Candidates who miss the scheduled examination or are not admitted may forfeit the examination fee and must pay another fee to schedule a new appointment.
What Happens After the Florida Insurance Exam?
After completing the exam, Pearson VUE reports the result to the candidate and the Florida Department of Financial Services.
If you pass, submit the Florida insurance license application through the Department’s MyProfile system and complete any remaining licensing requirements.
A passing exam score is valid for one year. If the licensing process is not completed within one year of earning the passing score, the examination must be taken and passed again.
What Happens If You Do Not Pass the Florida Insurance Exam?
If you do not pass the Florida insurance exam, you can schedule another attempt through Pearson VUE and pay another examination fee.
Florida limits candidates to five attempts at the same examination type during a 12-month period.
Before retesting, use your exam results and practice exam performance to identify subjects that need additional review. Focus on those areas before scheduling the next attempt.
Frequently Asked Questions
How many questions are on the Florida 2-15 insurance exam?
The Florida 2-15 Health & Life exam includes 150 scored questions and 15 unscored pretest questions, for a total of 165 questions. The time limit is 2 hours and 45 minutes.
How many questions are on the Florida 2-14 Life exam?
The Florida 2-14 Life exam includes 85 scored questions and 10 unscored pretest questions, for a total of 95 questions. The time limit is 2 hours.
How many questions are on the Florida 2-40 Health exam?
The Florida 2-40 Health exam includes 85 scored questions and 10 unscored pretest questions, for a total of 95 questions. The time limit is 2 hours.
What score do you need to pass the Florida insurance exam?
A score of 70% is required to pass a Florida insurance licensing exam. Pearson VUE calculates the score using the scored examination questions.
How much does the Florida insurance exam cost?
The Pearson VUE examination fee is $44 per attempt. If you need to retake the exam, another examination fee is required.
Do you need authorization before scheduling the Florida insurance exam?
No Examination Authorization Notice is required before scheduling the 2-15, 2-14, or 2-40 exam. That authorization requirement applies to Bail Bond examinations. Florida pre-licensing education is still part of the licensing process unless you qualify for an exemption.
Can you take the Florida insurance exam online?
No. Florida insurance licensing exams are currently delivered at Pearson VUE testing centers. Pearson VUE’s online insurance practice tests are separate from the actual licensing examination.
When do you get your Florida insurance exam results?
Pearson VUE provides a photo-bearing score report when you complete the exam. The report shows whether you passed or failed, your numeric score, and diagnostic information about your performance.
How many times can you take the Florida insurance exam?
You may take the same Florida insurance examination up to five times within a 12-month period.
How long is a passing Florida insurance exam score valid?
A passing score is valid for one year from the date it is earned. If you do not complete the licensing process within that period, you must take and pass the examination again.
Next Step: Prepare for the Florida Insurance Exam
Knowing the question count, time limit, passing score, and testing procedures gives you a clear picture of what to expect on the Florida insurance exam. Your next step is to learn the material covered by your license exam and use practice questions to identify subjects that need additional review.
Explore our Florida Pre-Licensing Courses to complete the applicable pre-licensing requirement and prepare for the state exam with comprehensive course material, exam-style practice questions, timed exams, and real-time feedback.
