Florida Insurance License
The Florida insurance license exam, in plain numbers.
Everything below is specific to Florida — the pass mark, the question counts, who runs the exam, and what the state requires before and after you sit it.
What you need to pass in Florida
| Edition | Scored questions | Correct to pass | Pass mark | Misses allowed |
|---|---|---|---|---|
| Life & Health | 150 | 105 | 70% | 45 |
| Life only | 85 | 60 | 70% | 25 |
| Health only | 85 | 60 | 70% | 25 |
Administered by Pearson VUE for the Florida Department of Financial Services. Time limit: 2 hours 45 minutes. Roughly 40 of the scored questions (27%) come from Florida law — the block national courses cover most lightly.
Prelicensing
60 hours for the combined 2-15 license. 40 hours each for the 2-14 (life) and 2-40 (health) licenses.
Continuing education
Continuing education is required each renewal cycle. Confirm current hours with DFS.
License term
2 years
Regulator
The Florida Department of Financial Services oversees licensing, headed by Insurer solvency and rate regulation sit separately with the Office of Insurance Regulation.
Florida Life and Health Insurance Guaranty Association
If an insurer fails, these are the limits that apply to Florida policyholders. Verified against the NOLHGA state-by-state table dated 1 June 2025.
| What is protected | Limit |
|---|---|
| Life insurance death benefit | $300,000 |
| Life insurance cash surrender value | $100,000 |
| Hospital, medical, surgical, or major medical | $500,000 |
| Disability income and long-term care | $300,000 |
| Other health insurance benefits | $300,000 |
| Annuity benefits (present value) | $250,000 |
The Study Guide
Written for Florida, not for everyone.
Every rule explained in ordinary English before the terminology arrives. If two things are easy to confuse, we tell them apart in a sentence. No insurance background assumed.
You get two PDFs: a study guide that teaches the material, and a practice exam whose answer key explains why each answer is right. Printable flashcards, a master sheet of every number worth memorizing, and a four-week study plan are included.
Twisting versus churning. Twisting involves lying to move a customer, usually to a different company. Churning happens inside the same company and is about generating commission. If the question mentions misrepresentation, it is twisting. If it mentions the same insurer, it is churning.
Florida insurance exam questions, answered
How many questions are on the Florida insurance license exam?
The combined life and health exam has 150 scored questions. You need 105 correct to pass at 70%, which means you can miss 45.
What is the passing score for the Florida insurance exam?
70%. That works out to 105 correct answers out of 150 scored questions.
Who administers the Florida insurance license exam?
Pearson VUE, on behalf of the Florida Department of Financial Services.
Does Florida require prelicensing education?
60 hours for the combined 2-15 license. 40 hours each for the 2-14 (life) and 2-40 (health) licenses.
How much continuing education does Florida require?
Continuing education is required each renewal cycle. Confirm current hours with DFS.
Is there a Florida life-only or health-only exam?
Yes. Life only is 85 scored questions, 60 to pass, Health only is 85 scored questions, 60 to pass.
How much does a Florida study guide cost?
A single-line guide is $9.99 and the combined life and health guide is $19.99. Each includes a study guide and a practice exam with a full answer key.
These are independent study aids. They are not state-approved prelicensing education courses and do not satisfy any state prelicensing requirement. They are not affiliated with any exam vendor or state insurance regulator. All practice questions are original. We publish no pass-rate claim and make no guarantee of any exam result. Content verified as of August 2026 — confirm current requirements with the Florida Department of Financial Services.