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Florida · Insurance ProducerFlorida 2-15 Practice Exam 2026 (Life & Health Insurance)
The Florida 2-15 exam is the state licensing test for a Health & Life (including Annuities & Variable Contracts) agent. It has 150 scored questions plus 15 unscored pretest questions, a 2.75-hour time limit, and a 70% passing score. About two thirds of the scored content is general life and health product knowledge, and one third is Florida statutes, rules, and regulations.
ExamCleared is an independent practice tool with 290 original questions covering both parts. It is not affiliated with the Florida Department of Financial Services or Pearson VUE, and our questions are not taken from the state exam. Every question has an explanation and cites the statute or official source it is based on, with the date we last verified it. You can take a timed full-length exam that follows the official format (165 questions, 2.75 hours) and try 10 questions free without an account. Access is a one-time payment, $24.99 for 30 days or $34.99 for 60 days, with no subscription and a 7-day money-back guarantee.
- Questions
- 165 (150 scored + 15 pretest)
- Time
- 2.75 hours (165 minutes)
- To pass
- 70% (105 of 150 scored questions)
- Exam fee
- $44 exam fee (plus $50 application and $5 license ID fee to DFS)
- Required course
- 60-hour DFS-approved pre-licensing course incl. 3 hours of ethics (exemptions apply)
Free Florida 2-15 practice exam questions
Five sample questions from the bank — open each answer to see the explanation and the legal source. Take the free 10-question test to practice with a timer and a score.
1. Mia buys a life insurance policy on her own life and names a longtime friend as beneficiary. The friend has no financial interest in Mia's life. Is this allowed?
- No, because the beneficiary must be related to her by blood or marriage
- No, because every beneficiary must have an insurable interest in the insured
- Yes, a person has an unlimited insurable interest in her own life and may name anyone
- Yes, but only if the face amount is small and the insurer approves the friend
Show answer
Answer: C. Yes, a person has an unlimited insurable interest in her own life and may name anyone
When you insure your own life, insurable interest is met by you as the applicant. You may make the policy payable to anyone, even a beneficiary with no insurable interest.
Source: Cal. Ins. Code §10110.1(b) · verified 2026-11-07
2. A client compares Medigap Plan G from two different insurers in the same state. In most states, what is the only difference between these two policies?
- The premium charged
- The basic benefits covered
- The Medicare Part A deductible
- Whether the policy is guaranteed renewable
Show answer
Answer: A. The premium charged
Medigap plans are standardized and identified by letters in most states. All plans with the same letter offer the same basic benefits, so price is the only difference between companies.
Source: Choosing a Medigap Policy (CMS), Section 2 – Medigap policies are standardized · verified 2026-11-07
3. A surgeon with a waiver of premium rider has been totally disabled for 30 months. She can no longer operate but is reasonably suited by education and training to teach at a medical school. Using the minimum total disability definition in the IIPRC standards, which statement is correct?
- She remains totally disabled for life, because she can no longer perform surgery in any setting
- After 24 months, she is not totally disabled if she can do another job suited to her training
- Waiver of premium never covers disability that lasts more than 24 months
- Her disability is judged only by whether she can do any job at all, starting from the first day
Show answer
Answer: B. After 24 months, she is not totally disabled if she can do another job suited to her training
For the first 24 months, total disability means being unable to do the duties of one's own job. After 24 months, it means being unable to do one's own job or any other job one is reasonably suited for by education, training, or experience.
Source: IIPRC Additional Standards for Waiver of Premium Benefits for Total Disability and Other Qualifying Events, §3A(1)(a)(ii) · verified 2026-11-07
4. A construction worker insured under a disability policy becomes an office clerk, an occupation the insurer classifies as less hazardous, and sends proof of the change. What does the Change of Occupation provision require the insurer to do?
- Reduce the premium rate and refund the excess pro-rata unearned premium
- Increase the monthly benefit but leave the premium unchanged
- Cancel the policy and issue a new one at office rates
- Make no change until the policy is renewed
Show answer
Answer: A. Reduce the premium rate and refund the excess pro-rata unearned premium
When the insured moves to a less hazardous occupation, the insurer reduces the premium rate after receiving proof and returns the excess pro-rata unearned premium.
Source: NAIC Model 180 §3B(1) Change of Occupation · verified 2026-11-07
5. A 35-year-old compares a 20-pay whole life policy with an ordinary (continuous-premium) whole life policy with the same face amount from the same insurer. How does the annual premium for the 20-pay policy compare?
- Higher, because premiums are paid over a shorter period
- Lower, because the insurer collects fewer payments
- The same, because the face amounts are equal
- Lower, because coverage ends after 20 years
Show answer
Answer: A. Higher, because premiums are paid over a shorter period
Limited-pay whole life fits the full lifetime cost into a shorter payment period, such as 20 years or to age 65, so each premium is higher. Coverage still lasts for the insured's whole life.
Source: Ill. Admin. Code tit. 50, pt. 930, Exhibit B (NAIC Life Insurance Buyer's Guide) – Whole Life Insurance · verified 2026-11-07
What the Florida 2-15 exam is and who takes it
License class 2-15 is the Florida resident agent license for Health & Life, including annuities and variable contracts. If you want to sell life insurance, annuities, and health insurance in Florida under one license, this is the exam you take. The state of Florida has retained Pearson VUE to develop and administer its insurance licensing exams. The Department of Financial Services (DFS) issues the license.
Florida law exempts some people from the exam, for example certain Chartered Life Underwriter (CLU) designees and some agents transferring a same-class license from another home state. See s. 626.221, Florida Statutes for the details.
Florida 2-15 exam format: questions, time, and passing score
- Questions: 165 in total, made up of 150 scored questions plus 15 pretest questions.
- Pretest questions: they are mixed in with the scored questions and are not identified. They do not affect your score, so treat every question as if it counts.
- Time limit: 2.75 hours (2 hours 45 minutes). The exam clock does not stop during an unscheduled break.
- Passing score: 70%, which works out to 105 of the 150 scored questions. Florida does not set a separate passing score for the Florida law portion.
- Closed book: dictionaries, books, papers (including scratch paper), and reference materials are not allowed in the exam room. The test center provides materials for notes. You won't need a calculator, but staff will give you one if you ask. Personal calculators are not allowed.
- Results: you get a score report marked pass or fail before you leave. It includes your numeric score and diagnostic information.
Details are in the Florida Insurance Content Outlines and the Florida Insurance Candidate Handbook.
Exam fee and how to register and schedule
- Register, schedule, and pay online at Pearson VUE Florida Insurance, or call Pearson VUE at (888) 274-2020. You pay the $44 exam fee when you make the reservation.
- Take the exam at a Pearson VUE test center, and bring proper identification. If you miss your scheduled exam, you forfeit the fee.
- After you pass, apply for the license through MyProfile on the DFS Division of Agent & Agency Services website. You pay DFS a $50 application fee and a $5 license identification fee, and you submit fingerprints.
You can also apply to DFS first and test after it approves you. If you fail, schedule and pay again through Pearson VUE. You can take the same exam type up to five times in a 12-month period. A free review of your most recent failed exam is available if you request and complete it within 90 days.
Prerequisites: the 60-hour pre-licensing course
Unless you qualify for an exemption, Florida requires a DFS-approved pre-licensing course for the 2-15 license. It must be at least 60 hours and cover multiple areas of insurance, including life insurance, annuities, variable contracts, and health insurance. Three of those hours must be on ethics, and the course must include instruction on unauthorized entities. You must complete it within the 4 years immediately before you file your license application (s. 626.7851 and s. 626.8311, F.S.). Members and veterans of the U.S. Armed Forces, and their spouses, do not need the coursework.
This practice test supplements your pre-licensing course. It does not replace it. Completing ExamCleared does not count toward the required hours.
What topics the Florida life and health insurance exam questions cover
Here are the official section weights from the Pearson VUE content outline for the 2-15 exam.
General knowledge
- Types of life policies and features (including annuities): 10%
- Life policy riders, provisions, options, and exclusions: 10%
- Completing the life application, underwriting, and delivering the policy: 8%
- Retirement and other life insurance concepts: 5%
- Types of health policies: 11%
- Health policy provisions, clauses, and riders: 10%
- Social insurance: 4%
- Other health insurance concepts: 4%
- Field underwriting procedures: 5%
Florida statutes, rules, and regulations
- Common to all lines: 13%. Covers the CFO, Financial Services Commission, DFS, OIR and OFR, insurer definitions, licensing and appointments, continuing education, fiduciary duties, the guaranty fund, and unfair methods of competition such as twisting, churning, rebating, and sliding.
- Life and annuity insurance, including variable products: 10%. Covers buyer's guide and policy summary, suitability and best interest, replacement duties, free look, grace period, beneficiary designation and the effect of divorce, secondary addressee, nonforfeiture, and group life.
- Health insurance: 10%. Covers standard policy provisions, group health, continuation coverage, Medicare supplement, long-term care, small employer coverage, and health plan types.
Study tips for the 2-15 license practice exam
- Learn the Florida law section from the statutes. The Florida portion is one third of the scored exam. Read the sections behind each outline item in Chapter 626 and Chapter 627, Florida Statutes, so you know where each rule actually comes from.
- Keep general concepts and Florida-specific rules separate. A lot of wrong answers come from mixing up a general product concept with a Florida requirement. Day counts are a common example, such as grace periods and free-look periods.
- Learn which agency does what. The outline tests the different roles of the CFO, DFS, OIR, and OFR, and it is easy to confuse them.
- Learn the definitions of unfair trade practices. Twisting, churning, rebating, sliding, and coercion each have a specific meaning, so practice telling them apart.
- Practice under exam conditions. Take full 165-question timed exams with no notes. You'll get about one minute per question.
- Read the explanations, not just the score. When you miss a question, read the cited source so you understand the rule.
- Read the candidate handbook before test day. It covers ID requirements, test center rules, and retakes.
After you pass: getting your Florida 2-15 license
Passing the exam does not license you automatically. You need to apply through MyProfile on the DFS website, pay the $50 application fee and $5 license identification fee, submit fingerprints, and meet all requirements, including the background and pre-licensing requirements. Your passing score is valid for one year from the date you earn it. If you don't finish licensing within that year, you have to retake and pass the exam. Once DFS approves your application, the license is available electronically in your MyProfile account.
Pricing
Practice free with 10 questions. Full access is a one-time payment — no subscription, no auto-renewal, 7-day money-back guarantee.
Full access unlocks all 290 questions with explanations and sources, practice by topic, a timed full-length practice exam and your results by topic. No account is needed: after checkout you get a personal access code — save it to use your access on your other devices. Your access period starts immediately after purchase.
Frequently asked questions
How many questions are on the Florida 2-15 exam?
165. That's 150 scored questions plus 15 unscored pretest questions, which are mixed in and not identified.
How long is the Florida 2-15 exam?
The time limit is 2.75 hours (2 hours 45 minutes).
What score do I need to pass the Florida life and health insurance exam?
70% for all Florida insurance exams, which is 105 of the 150 scored questions. Pretest questions do not affect your score.
How much does the Florida 2-15 exam cost?
The exam fee is $44, paid to Pearson VUE when you reserve your seat. The DFS license application fee ($50) and license identification fee ($5) are separate.
Is a pre-licensing course required for the 2-15 license?
Yes, unless you are exempt. You need a 60-hour DFS-approved course that includes 3 hours of ethics, completed within 4 years before you apply. Members and veterans of the U.S. Armed Forces, and their spouses, are exempt. This practice test does not replace the course.
What happens if I fail the Florida 2-15 exam?
Reschedule and pay again through Pearson VUE. You can take the same exam type up to five times in 12 months. You can also request a free review of your most recent failed exam within 90 days.
How long is my passing score valid?
One year from the date you earn it. After that, you have to retake and pass the exam.
Are these real Florida 2-15 exam questions?
No. ExamCleared writes its own practice questions from public statutes and official materials, and it is not affiliated with the Florida Department of Financial Services or Pearson VUE.
Is there a free Florida 2-15 practice exam?
Yes. The first 10 questions are free, with no account or email needed. Full access to all 290 questions, practice by topic and the timed full-length exam starts at $24.99 as a one-time payment.
Is the Florida 2-15 exam hard?
It depends on your preparation. To pass you need 70% (105 of 150 scored questions). The most reliable way to check is a timed full-length practice exam: ours has 150 questions and is scored against the official passing standard, and your results by topic show which areas still need work.
Related practice tests
- Texas Life, Accident & Health practice test
- Texas Property & Casualty practice test
- California Life & Accident/Health practice test
- New York Life, Accident & Health practice test
Sources
- https://www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/121003.pdf — 165 questions: 150 scored + 15 pretest; time limit 2.75 hours
- https://www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/121000.pdf — Passing score 70% (105 of 150 scored questions)
- https://www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/121002.pdf — Register at Pearson VUE; apply for the license via MyProfile after passing; option to apply first
- https://www.flsenate.gov/Laws/Statutes/2026/626.7851 — 60 hours of coursework incl. life, annuities, variable contracts; 3 hours ethics; within 4 years; military exemption
- https://www.flsenate.gov/Laws/Statutes/2026/626.8311 — 60 hours of coursework incl. health insurance; 3 hours ethics; unauthorized entities; within 4 years
ExamCleared is independent and not affiliated with Florida Department of Financial Services (Division of Agent & Agency Services) / Pearson VUE. Our questions are original practice questions written from public law and official materials — not actual exam questions. Confirm current requirements with the official agency before you register.