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Florida Life and Health practice exam (2-15)
The Florida 2-15 exam (Health & Life including annuities and variable contracts) has 150 scored questions plus 15 unscored pretest questions, in 2 hours 45 minutes (165 minutes). Passing is 70 percent. About two thirds is general life and health and about one third (33 percent) is Florida law. It is given by Pearson VUE; the Florida Department of Financial Services allows 5 attempts at the same exam in 12 months.
Source: Pearson VUE content outline; checked November 13, 2026. Rules change: confirm with Florida Department of Financial Services.
Free: no email, no sign-up. The clock starts when you press Start and cannot be paused. Written by us in the published exam format; not the real exam.
The Florida exam at a glance
| Questions | 150 |
|---|---|
| Time | 165 minutes |
| Passing | 70% |
| Given by | Pearson VUE |
Checked November 13, 2026. Sources in the table below.
What the free practice exam gives you
Sample report
A sample result: 73 of 150 correct, shown overall, by part and by topic, with an estimate against the passing line.
A sample report from a made-up run of the free practice exam, scored by the same code as yours. Yours appears the moment the exam ends.
The format, start to finish
150 questions on one 165-minute clock. Move between questions in any order; flag a question and come back; No penalty for guessing: answer every question.
A score for every part and topic
Correct answers overall, for general life and health and for Florida law, and for each of the 17 general topics, plus how much time each took.
A readiness estimate
Your share of correct answers against the passing line of the Florida exam. It is an estimate, not your exam score.
Explanations
The answers and explanations of the first 10 questions are free; the state-law explanations cite the statute or rule. With the plan, every question.
Try one question first
Example question · Florida law
A Florida licensee who pleads guilty or nolo contendere to a felony must notify the Department of Financial Services in writing within
- 5 days
- 1 year
- 30 days
- 60 days
Show the answer
Answer: C. Licensees must advise the department in writing within 30 days after being found guilty of, or pleading guilty or nolo contendere to, a felony or a crime punishable by imprisonment of 1 year or more, whether or not judgment is entered.
Source: Fla. Stat. §626.451(6) — https://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0626/Sections/0626.451.html
More practice exams after the free one, paid once
The free exam is one of 5. Take it first: the report shows whether you need more.
Florida Life and Health practice plan
$39 one payment, 90 days of access
- Every full timed Florida 2-15 practice exam (5 now, the free one included)
- An explanation for every question, with the law cited for the state-law questions
- The result report after every exam: overall, by part (general and Florida law) and by topic
- A readiness line, labelled as an estimate
- The mistake notebook: redo only the questions you missed
- The topic trainer: drills on the topics you miss most
No subscription, nothing renews. Refund within 14 days if you have started no more than one paid practice exam and answered no more than 30 trainer questions. Payment is processed by Creem, our merchant of record; we never see your card number.
The real Florida exam: what the vendor and the state say
| Vendor | Pearson VUESource: Pearson VUE candidate handbook |
|---|---|
| Scored questions | 150, in nine general sections (67 percent) and Florida statutes, rules and regulations (33 percent)Source: Pearson VUE content outline |
| Unscored pretest questions | 15 more, not marked in the examSource: Pearson VUE content outline |
| Time | 2 hours 45 minutes (165 minutes)Source: Pearson VUE content outline |
| Passing score | 70 percentSource: Pearson VUE candidate handbook |
| Exam fee | Not stated here: the handbook we read shows an older fee, so check the current fee when you book with Pearson VUESource: Pearson VUE candidate handbook |
| Retakes | At most 5 attempts per exam type per license application, according to the handbook. The Florida Department of Financial Services page is read as 5 attempts in 12 months; confirm which applies before you bookSource: Florida Department of Financial Services |
| Passing score valid for | 1 year for applying, according to the handbookSource: Pearson VUE candidate handbook |
| Pre-licensing course | Not confirmed here. We have not verified the required education hours on the Department's site, so we do not state them; check before you applySource: Florida Department of Financial Services |
| General part (about 67 percent) | Life policy types (10 percent), riders, provisions and options (10), application, underwriting and delivery (8), retirement and other concepts (5), health policy types (11), health provisions and clauses (10), social insurance (4), other health concepts (4), field underwriting (5)Source: Pearson VUE content outline (effective 2026-01-01) |
| Florida law part (33 percent) | Common to all lines (13 percent), life and annuity including variable products (10), health insurance (10)Source: Pearson VUE content outline (effective 2026-01-01) |
Checked November 13, 2026. Rules change: confirm on Florida Department of Financial Services before you book.
Questions about the Florida practice exam
How many questions are on the Florida 2-15 exam?
150 scored questions in 2 hours 45 minutes (165 minutes), plus 15 unscored pretest questions, according to the Pearson VUE outline. About a third of the exam is Florida law.
What is the passing score on the Florida 2-15 exam?
70 percent, according to the Pearson VUE candidate handbook.
How hard is the Florida 2-15 exam?
We do not state a pass rate, because we have not confirmed a current one from a primary source. It is 150 scored questions on one 165-minute clock, about 50 of them on Florida law. A timed practice exam shows which topics cost you points.
How many times can I take the Florida 2-15 exam?
At most 5 attempts per exam type per license application, according to the Pearson VUE handbook. The Florida Department of Financial Services page is read as 5 attempts in 12 months. Check both before you book.
Do I need a course before the Florida 2-15 exam?
We have not confirmed the Florida pre-licensing requirement or its hours with the Department, so we do not state them. Check the Florida Department of Financial Services page before you apply.
What is on the Florida law part of the exam?
About 33 percent of the exam: rules common to all lines (13 percent: licensing, agent responsibilities, unfair trade practices, the guaranty fund), life and annuity law (10 percent: replacement, policy provisions, group life, disclosure) and health law (10 percent: group and small employer, Medicare supplement, long-term care, plan types).
Is this the real Florida exam?
No. It is a practice exam written by us in the format Pearson VUE publishes. None of its questions comes from Pearson VUE, a course or another site.
What does the free practice exam include?
A full-length, timed exam of 150 questions, the result report overall, by part and by topic, and the answers and explanations of the first 10 questions.
How is the readiness line worked out?
The passing score is 70% correct. We compare your share correct with that line. This is an estimate, not your exam score.
About the paid plan
What do I get when I pay?
90 days of access to every full timed practice exam of your state exam, an explanation for every question, the result report, the mistake notebook and the topic trainer. It is one payment of $39 per state and line, not a subscription.
How fast do I get access?
The moment the payment goes through. The next page has the button to your dashboard, and we email a sign-in link. There is no password: on another device you enter the email you paid with and we send a 6-digit code.
Can I get my money back?
Yes. Write to [email protected] within 14 days of purchase and we refund the full price, no reason needed, as long as no more than one paid practice exam has been started and no more than 30 trainer questions answered. If something is broken on our side, tell us at any time.
Who charges my card?
Payment is processed by Creem, our merchant of record; we never see your card number.
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