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Florida · State licensing

Pass the Florida Life & Health insurance license exam.

Florida bundles Life, Health, and Variable Annuity into a single 2-15 license requiring 60 pre-licensing hours from a state-approved provider. The exam is administered by Pearson VUE.

Quick answer: The Florida Life & Health insurance license exam is administered by Pearson VUE as a 165-question combined exam with a 210-minute limit, and you need 70% to pass. Florida requires 60 hours of pre-licensing education before you can sit. The exam fee is $44 per attempt.

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Quick facts

Testing vendor
Pearson VUE
Passing score
70%
Pre-licensing hours
60h combined
Application fee
$50
Exam fee
$44 per attempt
Combined exam length
165 Q · 210 min

Source: myfloridacfo.com. Confirm before you register. State schedules change.

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What's on the Florida L&H exam.

The Florida L&H exam is administered by Pearson VUE after you finish a state-approved 60-hour pre-licensing course. The combined exam runs 165 questions with a 210-minute time limit. Passing requires 70%.

Content roughly follows the NAIC L&H outline: general concepts, life products, annuities, federal tax treatment, health products, social insurance, ethics, and a state-specific law section. The state law portion is where most candidates lose points, it's the section a generic national bank cannot cover well.

What it costs to get licensed in Florida.

Plan for roughly $134–$169 in mandatory Florida state and vendor fees before any study materials, plus the cost of the required 60-hour pre-licensing course.

License application
$50
Exam fee
$44 per attempt
Fingerprinting / background check
~$40–$75
Pre-licensing education
60 hours required

A retake means paying the $44 exam fee again, so a first-time pass is the cheapest path. See the full cost breakdown by state and how hard the exam is.

Florida exam FAQ.

What's the Florida 2-15 license?
Florida's combined Life, Health & Variable Annuity Agent license. 60 pre-licensing education hours are required, and the exam combines life, health, and annuity content.
How hard is the Florida L&H exam?
Statewide pass rates have run in the 60-70% range for first-time candidates. State-specific questions account for about 25% of the exam.
What does Florida's exam cost?
Around $130 in mandatory fees: $50 application + $44 exam fee + $33 fingerprinting. Fees and hours change frequently. Confirm the latest figures on your state insurance department's site before you register.
Who administers the Florida L&H exam?
Pearson VUE on behalf of the Florida Department of Financial Services.

Licensing in other states too?

Each state has its own vendor, hours, and fee schedule.