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.
Florida Insurance Exam Passing Score Quick Guide
- 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
What Score Do You Need to Pass the Florida Insurance Exam?
- The passing score is 70 percent
- Only scored questions count toward your result
- Pretest questions are included but not scored
- The number of correct answers depends on the exam type
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 15 pretest questions (100 total). You need 60 correct answers to pass.
- Florida 2-40 Health – 85 scored questions and 15 pretest questions (100 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 the final score. This is why scoring is based on a percentage rather than the total number of questions shown.
Why does the number of correct answers vary between exams?
The number of correct answers depends on how many questions are scored on each exam type. Because pretest questions are included but not counted, the total number of questions you see may be higher than the number used to calculate your score.
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 do not pass within the allowed attempt window, you may need to complete the pre-licensing course again before becoming eligible to retest.
If you pass the exam, your passing certificate is valid for 12 months. You must apply for your license within that time period or you may be required to retake the exam.
Important Florida Insurance Exam Scoring Details
- 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 early and continue until your scores are consistently at or above the passing level
- 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.
Candidates who are consistently passing practice exams before scheduling are more likely to pass on the first attempt and avoid delays caused by retakes.
Related Florida Insurance Licensing Resources
Learn more about the Florida licensing process and exam preparation:
- Florida 2-15 Life & Health Insurance License Guide
- How Hard Is the Florida Insurance Exam
- How Long Does It Take to Get a Florida Insurance License
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?
Your exam result is valid for 12 months after you pass. You must apply for your license within that time period or you may be required to retake the exam.
