Florida Life and Health Insurance Practice Exam Free - 2026
Florida's best-known life and health credential is the 2-15 license, and its exam is the "Agent's Health & Life (including Annuities & Variable Contracts)" exam from Pearson VUE. It is the largest of the state's agent exams: 150 scored questions in 2 hours 45 minutes, against 85 scored questions for the life-only (2-14) or health-only (2-40) exams.
How the Florida life and health exam works
Because the 2-15 exam covers annuities and variable contracts as well as life and health, expect more questions on annuity types, suitability, and securities-related concepts than on a plain life exam. The Florida-specific portion is built from the Florida Statutes Chapter 626 (licensing) and Chapter 627 (policy provisions) and the Department of Financial Services rules.
- Vendor: Pearson VUE
- Questions: 165 questions: 150 scored + 15 pretest
- Time limit: 2.75 hours
- Passing: 70%
- Exam fee: $44 per examination
- Prelicensing: Florida requires an approved prelicensing course for the 2-15 license; hour requirements are set by Florida statute per license type - confirm with the Department of Financial Services
Verified September 2026 from the Florida Insurance Examination Content Outlines and Candidate Handbook (Pearson VUE #121003). Requirements change - confirm with the current handbook before you book.
Official content outline: what the Florida exam tests
Sections and weights exactly as the outline lists them (Florida Insurance Examination Content Outlines and Candidate Handbook).
| Outline section | Questions / weight |
|---|---|
| Types of life policies and features | 10% |
| Life policy riders, provisions, options and exclusions | 10% |
| Retirement and other life insurance concepts | 5% |
| Types of health policies | 11% |
| Social insurance | 4% |
| Other health insurance concepts | 4% |
| Field underwriting procedures | 5% |
| Florida statutes, rules and regulations common to all lines | 13% |
| Florida statutes, rules and regulations pertinent to life, including variable products | 10% |
The Florida law section
Florida law questions cite Chapter 626 (agent licensing, appointment, unfair trade practices and unlicensed activity, 626.901-.931) and Chapter 627 (required policy provisions, grace periods, free-look, replacement) of the Florida Statutes, together with the Florida Life and Health Insurance Guaranty Association and the Department of Financial Services' powers.
Content last reviewed July 29, 2026. Practice questions on this site are original, written against the published outlines; they are not actual exam questions.
Practice both halves of the exam
A combined exam draws on two outlines, so the practice is two banks: 276 life questions and 280 health questions, each with an explanation. Take the timed mock exam for each line, then drill weak topics in quiz mode.
Life insurance half
Want one session that mixes both? The custom test builder lets you pick topics from either line and set your own question count.
More Florida practice exams
Life and health exams in other states
Florida life and health exam FAQs
Is the Florida 2-15 exam the same as a life and health exam?
Yes. The 2-15 license covers health, life, annuities and variable contracts, and its single exam has 150 scored questions in 2.75 hours with a 70% pass mark.
How does the 2-15 exam compare with the 2-14 and 2-40 exams?
The 2-14 (life) and 2-40 (health) exams each have 85 scored questions in 2 hours. The 2-15 exam nearly doubles that because it tests both lines plus annuities and variable contracts.
Does the site have a Florida-specific 2-15 practice test?
Practice both banks here - the life bank and the health bank - and use the mock exam timer on each. Florida-law questions are being added; confirm current statute details with the Department of Financial Services.