Florida Life & Health Insurance License Exam Guide (2026)
Florida requires pre-licensing education before you may sit for the exam. The Life, Accident & Health (Combined) exam is 150 scored questions plus 15 unscored, in 165 minutes, passing 70%, fee $44. Verified 2026-09-02 against official Florida sources.
Florida’s 2-15 combined Life, Accident & Health license is the standard entry point for new agents — one credential covering both lines in a single exam. Exams are delivered by Pearson VUE under contract with the Florida Department of Financial Services.
Florida L&H exam facts at a glance
Last verified:
- Pearson VUE
- Exam provider
- Life, Accident & Health (Combined)
- Exam line
- 150
- Scored questions
- 165 min
- Time limit
- 70%
- Passing score
- $44
- Exam fee
- 60h pre-licensing course required
- Pre-licensing education
- 57.0%
- 2024 first-attempt pass rate
Verified against official sources as of · primary source. Question formats and fees change — always confirm details in the current official candidate handbook (linked below) before scheduling.
Exam format, question counts and fees
| Exam | Scored | Unscored (pretest) | Time limit | Passing score | Fee |
|---|---|---|---|---|---|
| Life Insurance (Life-Only) | 85 | 15 unscored | 120 min | 70% | $44 |
| Accident & Health | 85 | 15 unscored | 120 min | 70% | $44 |
| Life, Accident & Health (Combined) | 150 | 15 unscored | 165 min | 70% | $44 |
Unscored pretest questions are mixed in with scored questions and are not identified. Where a state reports a scaled score, the passing value is not a percentage of questions answered correctly.
What the official 2024 pass-rate data says
In 2024, the first-attempt pass rate for Florida insurance exams (all lines) was 57.0%.
Nationwide, the overall first-attempt pass rate for state insurance licensing exams was 59.4% in 2024 (all lines).
Pre-licensing education in Florida
Florida requires a state-approved pre-licensing course: 60 hours for the 2-15 combined Life/Health license (the standard path), or a 30-hour Life course and a 40-hour Health course if you take the lines separately (F.A.C. 69B-227.260). Course completion must fall within the window preceding your application. Most candidates bundle the course with a question bank — the course teaches concepts, but the exam rewards practice.
If you fail: retake rules
A failed candidate must wait 24 hours before scheduling a re-examination. Retakes are unlimited, and scores are provided on-screen at the test center immediately after completion.
Total cost to get licensed
- Exam fee: $44 per attempt (Pearson VUE)
- Pre-licensing course: 60h approved course (vendor-priced)
- License application and fingerprints: submitted through the DFS licensing portal
Common outdated figures for the Florida exam — corrected
Third-party prep sites frequently publish the values below. Each is contradicted by the current official document; the corrected figure is shown alongside it.
- Outdated claim: “165 questions” vs “150 questions”
- Correct value (official, verified 2026-09-02): Both numbers circulate because they describe different things: the 2-15 exam has 150 scored questions plus 15 unscored pretest questions — 165 administered in 165 minutes. If a prep site quotes only one number without distinguishing scored from administered, treat its other figures with suspicion.
Every figure on this page is drawn from the current official candidate handbook, content outline or state statute, with sources listed at the bottom. If a prep site disagrees with the official document, the official document wins.
Practice the national core — free
Roughly 70–80% of every state’s L&H exam is national content: policy types, contract law, annuities, tax treatment, Medicare, PPACA, LTC. Our national core question bank covers exactly that layer — 2,180 questions, every one free with a 3-part explanation, no account required. Florida state-law drills are live too — 600 state-specific questions, every one free with the full explanation.
Try a national-core question right now
Free forever — click a question, answer it, and read the full 3-part explanation.
- In an annuity contract, the 'annuitant' is best defined as:Answer free →Beneficiaries·Difficulty 1/5·National content
- An annuity is owned by a mother, with her daughter as the annuitant and her son as the beneficiar…Answer free →Beneficiaries·Difficulty 2/5·National content
- Under an annuity with a 'life with 10-year period certain' payout, the beneficiary becomes entitl…Answer free →Beneficiaries·Difficulty 2/5·National content
National-core practice domains
The nationally reusable layer of the Florida exam — organized by official content domain.
Frequently asked questions
How many questions are on the Florida life and health insurance exam?
Scored question counts by exam: Life Insurance (Life-Only) — 85 scored questions (plus 15 unscored); Accident & Health — 85 scored questions (plus 15 unscored); Life, Accident & Health (Combined) — 150 scored questions (plus 15 unscored). Unscored pretest questions may be mixed in and are not identified.
How long is the Florida insurance licensing exam?
Time limits by exam: Life Insurance (Life-Only) — 120 minutes; Accident & Health — 120 minutes; Life, Accident & Health (Combined) — 165 minutes.
What score do you need to pass the Florida exam?
Passing scores by exam: Life Insurance (Life-Only) — 70%; Accident & Health — 70%; Life, Accident & Health (Combined) — 70%. The figures come from the current official candidate handbook.
How much does the Florida insurance exam cost?
Current exam fees: Life Insurance (Life-Only) — $44; Accident & Health — $44; Life, Accident & Health (Combined) — $44. Fees are paid at registration and are generally non-refundable.
Does Florida require pre-licensing education for a life & health license?
Yes — 60h pre-licensing course required. See the pre-licensing education section above for the current statutory requirement.
What happens if I fail the Florida insurance exam?
A failed candidate must wait 24 hours before scheduling a re-examination. See the retake section above for the full policy.
The optional $59 Exam Engine (one-time) adds unlimited randomized practice, full exam simulations, timed quizzes and a wrong-answer book around the national core plus Florida state law.
Official sources for this page
- https://www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/121000.pdf
- https://www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/121003.pdf
- https://www.myfloridacfo.com/docs-sf/insurance-agents-and-agency-services-libraries/agents-docs/licensure/agents-adjusters/2-15-resident-health-life-agent-license.pdf
This page is maintained by PassSprint. Data current as of 2026-09-02; report discrepancies to us and we will re-verify against the official document.
L&H exam guides by state
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