Florida Insurance Exam Guides
Pick the license you're studying for. Each guide covers Florida-specific requirements, fees, and official links — plus a free practice exam. Then scroll down to explore the Florida exam's state-law material, mapped.
Free study resource
What's actually tested on the Florida exam — the state regulations, mapped
Every Florida insurance exam reserves a block of questions for Florida-specific law — the fees, deadlines, limits, and rules that generic national study guides gloss over. This is that material: 98 facts from the TESTivity Florida regulations curriculum, organized the way we teach them. Open a branch, explore, and let the structure do some of the remembering for you.
Every fact below carries its source citation and the date we last verified it (most recently August 2026) — and is re-checked on a schedule. Facts marked tested are ones you should expect to see on the exam.
Life 11 facts
The life insurance rules that differ by state — free look, grace, reinstatement.
- Incontestability period tested2 years from the date of issue
- Grace period for individual life testedAt least 30 days
- Window to reinstate a lapsed policy testedWithin 3 years after the date of premium default, on evidence of insurability and payment of overdue premiums
- Free look for individual life tested14 days for individual life — an unconditional right to return the policy for a full refund
- Free look for annuities tested21 days for annuities — the SAME 21 days for both fixed and variable annuities
- Free look for long-term care tested30 days for long-term care (F.S. § 627.9407); 30 days for Medicare supplement (F.S. § 627.674)
- Required nonforfeiture options testedCash surrender value, reduced paid-up insurance, extended term insurance
- Registrations required to sell variable products testedThe 2-14 or 2-15 Life license plus FINRA securities registration is required to sell variable contracts
- Does the state regulate viatical/life settlements? testedYes — the Florida Viatical Settlement Act
- Viator's rescission window tested15 days after the viator receives the settlement proceeds (the viator must return the proceeds to rescind)
- Has the state adopted the NAIC best interest standard? testedYES — adopted the NAIC best interest standard, effective January 1, 2024. A producer recommending an annuity must act in the consumer's best interest.
Health 13 facts
Health coverage rules — continuation, prompt pay, mandates, public programs.
- Has the state expanded Medicaid under the ACA? testedNO — Florida did NOT expand Medicaid under the ACA
- Agency administering Medicaid testedStatewide Medicaid Managed Care (SMMC), administered by the Agency for Health Care Administration (AHCA)
- Federal marketplace or state-based exchange testedA FEDERALLY-FACILITATED marketplace — Florida uses HealthCare.gov (no state-based exchange)
- Name of the state CHIP program testedFlorida KidCare (the state's CHIP)
- Clean-claim payment deadline, electronic tested20 days to pay or deny an electronic clean claim (final action within 90 days; the claim becomes uncontestable at 120 days)
- Clean-claim payment deadline, paper tested40 days to pay or deny a paper clean claim (final action within 120 days; uncontestable at 140 days)
- Does the state distinguish electronic vs paper claims? testedYes — 20 days electronic, 40 days paper (the same deadlines apply to HMOs under § 641.3155)
- Interest / penalty on late claim payment tested12% per year simple interest on overdue clean claims
- Is the IRO's external review decision binding on the plan? testedYES, but through the FEDERAL process — Florida does not run its own conforming external review, so denials go to the federal HHS-administered external review, whose IRO decision binds the plan
- Employer size at which federal COBRA applies testedFederal COBRA applies at 20+ employees; Florida's mini-COBRA covers smaller employers (fewer than 20)
- Employer size range covered by state continuation testedFlorida's mini-COBRA (the Florida Health Insurance Coverage Continuation Act) applies to employers with FEWER than 20 employees
- Duration of state continuation coverage testedUp to 18 months (up to 29 months in the case of disability)
- Max premium as % of group rate testedUp to 115% of the group premium (150% during an 11-month disability extension)
Auto 9 facts
Auto insurance — minimum limits, fault system, required coverages.
- Fault-based (tort) or no-fault testedNO-FAULT — Florida requires Personal Injury Protection (PIP), so each driver's own insurer pays their medical bills and lost wages regardless of fault, up to the PIP limit, with the right to sue only if a serious-injury tort threshold is met.
- Minimum property damage liability tested$10,000 Property Damage Liability (PDL) — mandatory
- The memorizable shorthand (e.g. 30/60/25) testedPIP $10,000 and PDL $10,000 — no bodily injury liability is required for a basic policy
- Uninsured motorist: mandatory / must be offered & rejectable / not required testedMust be OFFERED equal to the bodily injury liability limits; the insured may reject it in writing (a signed rejection is a conclusive presumption of an informed rejection)
- Underinsured motorist status testedOffered with UM and rejectable in writing (F.S. § 627.727)
- Personal injury protection status testedMANDATORY PIP — $10,000, plus a $5,000 death benefit. PIP pays 80% of medical and 60% of lost wages regardless of fault.
- Contributory / pure comparative / modified comparative negligence testedModified comparative negligence — a 51% bar. As of March 24, 2023 (HB 837), a claimant more than 50% at fault recovers nothing. (Medical malpractice claims are excepted and remain pure comparative.)
- The bar percentage, if modified comparative tested51% bar — a claimant more than 50% at fault recovers nothing (except in medical malpractice)
- Assigned risk / residual market plan for auto testedThe Florida Automobile Joint Underwriting Association (FAJUA), the assigned-risk market for drivers who cannot obtain coverage voluntarily
CE & Renewal 7 facts
Continuing education and renewal rules — the numbers the exam loves.
- How long a license lasts before renewal testedThe license is PERPETUAL — there is no renewal and no renewal fee. It expires only after 48 months without an appointment. What runs on a cycle is the appointment (24 months) and CE (2 years).
- What the renewal date keys off (flat term / birthday / birth year) testedBirth month. The appointment expires in the natural person's birth month every 24 months, and CE is due by the last day of the birth month after 24 months licensed, then every 2 years.
- CE hours per renewal period, standard case tested24 hours every 2 years — a 4-hour Law & Ethics Update course specific to the license held, plus 20 elective hours
- CE hours if holding multiple license types (if different) testedThe requirement is tied to years licensed, not the number of lines: 24 hours as a standard licensee, and the statute provides a reduction to 20 hours at 6 or more years licensed. Only the elective hours are reduced — the 4-hour update is always required.
- Ethics hours required per period testedA 4-hour Law & Ethics Update course every 2 years, SPECIFIC TO THE LICENSE HELD — course code 5-214 (life), 5-240 (health), 5-215 (life & health), 5-220 (general lines, personal lines and customer rep), 5-320 (public adjuster), 5-620 (all-lines adjuster), 5-237 (bail bond). This replaced the old 5-hour requirement for cycles ending on or after 10/31/2014.
- What happens if CE is not completed (fine / expiry / cancellation) testedA flat $250 continuing education fine, and DFS must refuse to renew, continue or issue appointments for a licensee who misses the compliance date — which eventually kills the license through the 48-month unappointed rule. Enforcement applies to compliance cycles ending 1/31/2022 or later.
- Any CE exemption (e.g. long-service agents) testedTiered by tenure: the statute reduces the elective hours to a minimum of 16 (20 total) at 6 or more years licensed, and to a minimum of 6 (10 total) for a licensee with 25+ years who holds a CLU or CPCU or an approved insurance degree. The 25-year reduction is not automatic — it must be requested on form DFS-H2-1109 before the birth month in the compliance year. Active-duty military may request a waiver.
Property 8 facts
Property insurance — rate regulation, residual markets, catastrophe exposure.
- Rate regulation system (file-and-use / prior approval / use-and-file) testedFILE-AND-USE / USE-AND-FILE. An insurer may file rates at least 90 days before use (file-and-use) or file within 30 days after use (use-and-file). Rates must not be excessive, inadequate, or unfairly discriminatory.
- Is insurance credit scoring permitted in personal lines? testedPermitted but restricted in personal auto and residential property: an insurer may not take an adverse action based SOLELY on credit, and certain factors (income, ZIP-based, etc.) are prohibited.
- Does the state have a FAIR Plan? testedFlorida has NO traditional FAIR Plan. Instead, CITIZENS PROPERTY INSURANCE CORPORATION is the state-created insurer of last resort for property owners who cannot obtain coverage in the private market.
- Name of the FAIR Plan, if any testedCitizens Property Insurance Corporation
- Coastal windstorm pool, if any (e.g. TWIA) testedCitizens' Coastal Account (which absorbed the former windstorm pool) writes wind-prone coastal risk, backed by the Florida Hurricane Catastrophe Fund (FHCF), a state reinsurance fund (F.S. § 215.555)
- Dominant catastrophe perils in the state testedHurricane and windstorm above all — Florida is the most hurricane-exposed state in the country — plus flood and sinkhole. Policies must OFFER hurricane deductibles of $500, 2%, 5%, or 10%; catastrophic ground cover collapse is mandatory coverage while sinkhole loss is an optional endorsement.
- What license you must already hold to write surplus lines testedAn active Florida General Lines (2-20) agent license, plus a separate Surplus Lines agent license
- Is a diligent-effort search of the admitted market required first? testedYes — a diligent effort (a set number of declinations from admitted insurers) is required before placing a risk in the surplus lines market
Guaranty 10 facts
The safety nets when an insurer fails — and their limits.
- Name of the life & health guaranty association testedFlorida Life & Health Insurance Guaranty Association (FLAHIGA)
- Life death benefit limit tested$300,000 per insured life
- Life cash surrender / withdrawal value limit tested$100,000 net cash surrender / withdrawal value
- Annuity benefit limit tested$250,000 present value of a deferred annuity (per owner)
- Health benefit limit tested$500,000 for basic hospital, medical, and surgical or major medical coverage; $300,000 for long-term care and other health; $300,000 for disability and annuity benefits
- Aggregate per-individual cap, if any tested$300,000 aggregate per individual life — except up to $500,000 where major-medical health coverage is involved
- Does the state follow the standard NAIC model limits? testedYes — standard NAIC model limits, with tiered health
- Name of the P&C guaranty association testedFlorida Insurance Guaranty Association (FIGA)
- Per-claim cap testedCovered claims up to $300,000 (with an additional $200,000 available for the structure and contents portion of a homeowners claim). Workers' compensation claims are paid in full. There is no longer a $100 per-claim deductible in the statute.
- Is using the guaranty association as a sales inducement prohibited? testedYes — using the existence of either guaranty association to sell insurance is prohibited
Workers Comp 7 facts
Who must carry workers' compensation and what it pays.
- Is workers' compensation mandatory for private employers? testedYes — mandatory, with thresholds that depend on the industry
- Employee count at which coverage is required tested4 or more employees for most industries; 1 or more for the CONSTRUCTION industry; 6 or more regular (or 12+ seasonal) for AGRICULTURE
- Agency administering workers' compensation testedThe Division of Workers' Compensation, within the Department of Financial Services (DFS)
- Temporary total disability wage replacement rate tested66⅔% of the average weekly wage, capped at 100% of the statewide average weekly wage; temporary total disability is limited to 104 weeks
- Maximum TTD duration tested104 weeks of temporary total disability
- Deadline to file a claim testedReport the injury to the employer within 30 days; file a petition for benefits within 2 years of the injury
- Ways an employer may comply (insure / self-insure / group) testedInsure with a licensed carrier, or qualify as an approved self-insurer
Regulator 5 facts
Who regulates insurance here and what powers the office holds.
- Name of the state insurance regulator testedThe Florida Department of Financial Services (DFS) — which licenses agents — with insurers, forms and rates regulated separately by the Office of Insurance Regulation (OIR)
- Title of the person who heads it testedChief Financial Officer (CFO), who heads DFS — while the Office of Insurance Regulation is headed by an appointed Commissioner of Insurance Regulation
- How the commissioner is chosen: elected / appointed by governor / appointed by other body testedThe CFO is ELECTED statewide (a member of the Cabinet). The OIR Commissioner, by contrast, is APPOINTED by the Financial Services Commission (the Governor and Cabinet).
- Where the state's insurance law is codified testedThe Florida Insurance Code (Florida Statutes chapters 624-632, 634, 635, 636, 641, 642, 648 and 651), with regulations in the Florida Administrative Code — Title 69O (OIR) and Title 69B (DFS agent licensing)
- Does the regulator sit somewhere unusual (e.g. inside a constitutional commission)? testedYES — Florida is genuinely unusual. Agent licensing sits in DFS under the elected CFO; insurer, form and rate regulation sits in the separate Office of Insurance Regulation under the Financial Services Commission.
Cancellation 7 facts
When and how policies can be canceled or nonrenewed — heavily tested.
- Initial window during which an insurer may cancel more freely tested60 days — during the first 60 days of a new auto policy (and the first 90 days of new residential property business), the insurer has broader latitude to cancel; after that, cancellation is limited to statutory grounds.
- Notice days to cancel a homeowners policy inside the initial window tested120 days' advance notice to cancel or nonrenew homeowners for most reasons; 10 days for nonpayment; 20 days during the first 90 days of new business. A reason must be stated.
- Notice days to cancel a personal auto policy inside the initial window tested45 days' advance notice to cancel auto for permitted reasons; 10 days for nonpayment
- Notice days for cancellation for nonpayment tested10 days for nonpayment of premium (auto and homeowners)
- Notice days for cancellation for other permitted causes tested45 days for permitted causes (auto)
- Notice days required for nonrenewal testedAuto nonrenewal: 45 days, with the reason stated. Homeowners nonrenewal: 120 days, with the reason stated (a shorter 45-day notice applies when a policy is being replaced by Citizens).
- Must the reason be stated proactively, on request, or not at all? testedYes — a specific reason must be stated for cancellation and nonrenewal (auto and homeowners)
Licensing 21 facts
How you get and keep the license — exams, fees, applications, background checks.
- Is there a standalone life license/exam? testedYes — the 2-14 Life (including annuities and variable contracts) license
- Is there a standalone health license/exam? testedYes — the 2-40 Health license
- Is there a combined life+health license/exam? testedYes — the 2-15 Life & Health (including annuities and variable contracts) license, a single combined exam
- Is there a personal lines license/exam? testedYes — the 20-44 Personal Lines license (note the class code is 20-44, not 2-44)
- Is P&C one combined license, or split into Property and Casualty? testedCombined — Florida licenses Property and Casualty together as the 2-20 General Lines agent license (property, casualty, surety, marine, health and miscellaneous lines). There is no resident 'property only' or 'casualty only' agent license; the narrower alternative is the 20-44 Personal Lines license.
- Does the life license cover annuities? testedYes — the Life licenses (2-14 and 2-15) include annuities and variable contracts (variable products also require FINRA registration)
- Does the P&C license already include personal lines authority? testedYes — the 2-20 General Lines license covers personal-lines risks; the 20-44 Personal Lines license is a narrower subset for producers who write only personal lines
- Full list of exam-based agent license types testedFlorida's numbered resident agent licenses: 2-14 Life (incl. annuities and variable contracts) · 2-40 Health · 2-15 Health & Life (incl. annuities and variable contracts) · 2-20 General Lines (property & casualty) · 20-44 Personal Lines — plus 1-20 Surplus Lines, 4-10 Title, 4-40 Customer Representative (no exam route since the exam was retired), 0-55 Service Representative (no exam), and the 6-20 / 3-20 adjuster credentials
- Exam administrator (Prometric / PSI / Pearson VUE) testedPearson VUE (client code FLINS) — physical test centers only. DFS: 'OnVUE online proctoring is no longer available for new reservations.'
- License application fee tested$50 resident agent application (filing) fee, plus a separate $5 license ID fee — the $44 exam fee is paid to Pearson VUE, not DFS
- Fee per insurer appointment tested$60 total per resident appointment, itemized by statute as a $42 appointment fee + $12 state tax + $6 county tax. An appointment by an insurer or agency is required to transact, and it renews every 24 months in the appointee's birth month.
- Passing score tested70% on every line — the Candidate Handbook states it as a straight percentage, not a scaled score
- Minimum age to be licensed tested18
- Is pre-licensing education required? testedYES — Florida requires prelicensing education, and the hours are among the highest in the country (200 hours for the 2-20 General Lines license)
- Pre-licensing hours and any exceptions (e.g. Title, adjusters) testedHours vary by license: 2-14 Life = 30 hours; 2-40 Health = 40 hours; 2-15 Health & Life = 60 hours (or the 30-hour life course plus the 40-hour health course); 20-44 Personal Lines = 60 hours; 2-20 General Lines = 200 hours (reduced to 40 hours for someone who has held a 4-40, 20-44 or 0-55 license for 1 of the last 4 years). Coursework must have been completed or taught within 4 years.
- Fingerprints, state police report, or none testedFingerprinting is REQUIRED — electronic LiveScan prints go to FDLE and the FBI, and DFS may not approve an application for licensure if fingerprints have not been submitted
- Who takes the prints / issues the report testedIdentoGO by IDEMIA, the sole authorized vendor, registering under the DFS ORI code DFS-1-FL921060Z ($49.50 LiveScan or $50.75 by fingerprint card, plus county sales tax). Prints stay valid 12 months if you hold no Florida license, 48 months if you already hold one in good standing.
- Deadline to apply after passing the exam tested1 year — a passing grade on the examination is valid for 1 year, and the license application must be filed inside that window or you retest
- How long a passed exam remains valid tested1 year from the date the score was earned
- Limit on number of attempts, if any tested5 attempts per examination type in any 12-month period; no waiting period between attempts is stated, but each retake needs a new reservation and a new $44 fee
- Where you apply (Sircon / NIPR / state portal) testedDFS MyProfile (dice.fldfs.com) for resident applications; NIPR is used chiefly for nonresident applications and verification