Florida Life & Health Insurance Exam 2026

What the Florida 2-15 License Covers

The 2-15 — Health & Life Including Annuities and Variable Contracts is Florida's combined producer license, and for most new agents it is the right one. It carries everything the 2-14 does (life, fixed and indexed annuities, variable contracts subject to your FINRA registrations) plus everything the 2-40 does (major medical, disability, Medicare supplement, long-term care, dental).

It is issued by the Department of Financial Services, the licensing arm under Florida's elected CFO — not by an insurance department, because Florida does not have one. Product and rate approval sits with the separate Office of Insurance Regulation, a division of labour the exam likes to test and which the P&C guide covers in full.

The economics favour the combined license and the education requirement is why. The exam fee is the same $44 whether you sit the 2-15 or the 2-14. What differs is prelicensing: 60 hours for the 2-15 against 30 for the 2-14 and 40 for the 2-40 — so the combined path is fewer total hours than doing both singles, and one sitting rather than two. The only reason to take a single line is if your role genuinely will never touch the other half.

For the 60-hour prelicensing requirement, TESTivity recommends Achievable. The Achievable insurance courses were built by the same subject-matter expert behind TESTivity, so the two are designed to work together.

One important distinction: TESTivity is not an approved pre-licensing provider in Florida and does not issue certificates of completion. The TESTivity learning tools and study packages will absolutely help you pass the exam — but treat them as a supplement to your Achievable course, not a substitute for it.

Disclosure: TESTivity has a partnership with Achievable and may earn a commission if you enroll through links on this page.

Exam Options & Format

The 2-15 exam is InsFL-LHA05 through Pearson VUE (client code FLINS): 150 scored questions plus 15 unscored pretest items — 165 on screen — in 2 hours 45 minutes, at $44, passing at 70%. Apart from the 2-20 General Lines paper it is the longest producer exam Florida gives, and the time limit is generous rather than tight — roughly a minute per question.

The split alternative is the 2-14 (85 scored + 10 pretest, 2 hours) and the 2-40 (85 scored + 10 pretest, 2 hours), taken separately. Two sittings, two $44 fees, 70 hours of coursework instead of 60. The combined route is cheaper and shorter on every axis; the one thing it gives up is the ability to walk away with a usable license after a single 30-hour course.

Everything happens in a test center. DFS discontinued OnVUE for Florida insurance candidates, so remote proctoring is not an option for this exam. The Health guide covers the center network, the military locator and the scheduling windows.

Your score is on screen when you finish, it is valid for one year (F.S. § 626.291), and you are capped at five attempts on the same exam type in any 12-month period. The Life guide covers the application that has to happen inside that year.

Most Tested Topics on the Florida Life & Health Exam

The combined exam pulls from both content areas, but its distinctly Floridian points concentrate in two places: the guaranty association limits, which Florida writes as a tiered set rather than one number, and the free-look ladder, which is a ladder rather than a single figure. Each row is verified against the statute:

The guaranty table is where the marks are, and the trap is the aggregate cap. Florida pays up to $300,000 in the aggregate for any one life — but stretches to $500,000 where major medical is in the picture. A candidate who memorises the individual limits without the aggregate will happily add $300,000 of death benefit to $250,000 of annuity value and answer $550,000, and Florida caps that at $300,000. Learn the ceiling before the components.

The second point is the one that is easy to say and easy to forget under pressure: you may not mention the guaranty association to help make a sale. F.S. § 631.735 makes the existence of either association off-limits as a sales inducement. A question describing a producer reassuring a hesitant client that "the state fund covers it anyway" is describing a violation, not a service. Note also that only admitted insurers are covered at all — a surplus lines placement has no guaranty backstop, which the P&C guide picks up.

Florida Prelicensing Education — Hours, Paths and Waivers

Florida is one of a minority of states that still requires prelicensing education, and it does not do it by halves. The statutory hook is F.S. § 626.2815, with the delivery rules in F.A.C. chapter 69B-227; the hours themselves live in the per-license qualification statutes and DFS's published qualification sheets, not in a single table.

The hours, by license — and they are not what most sites print:

The 2-15 has a second, cheaper-feeling route. Instead of the 60-hour combined course, Florida accepts the 30-hour life and variable contracts course plus the 40-hour health course, both completed within four years. That is 70 hours rather than 60 — more time, but it is the path you are already on if you started toward a 2-14 or a 2-40 and changed your mind. Nothing you have completed is wasted.

Four years is the shelf life. Every DFS qualification sheet phrases the requirement as coursework completed or taught within 4 years of the application. Take the course, get distracted, come back in the fifth year and you take it again. This is one of the more generous windows in the country — but it is a window, not an absence of one.

Providers must be DFS-approved, and they report for you. Completions are transmitted to DFS electronically; you do not upload a certificate. That also means a provider's reporting delay is your problem to anticipate, not theirs to fix, so leave room before you file.

Designations can replace the course — but read which ones. For the 2-15, DFS accepts the 30-hour life course paired with a health designation (CEBC, ChHC, HIA, REBC, RHU) in place of the 40-hour health half. For the 2-14, ChFC or FLMI replaces the 30 hours outright. Every one of these waives education only — you still sit the exam. The credentials that waive the examination are a shorter and different list (CLU, CPCU, a qualifying insurance degree), and the Life guide sets out the whole map.

A degree can replace both. A degree carrying at least 9 credit hours of insurance instruction specific to health, life, annuities and variable contracts satisfies the 2-15 education requirement and waives the exam under F.S. § 626.221(2). So does a CLU. And a new Florida resident who held the equivalent license elsewhere for a continuous year and applies within 90 days clears both as well.

Exam Day in Florida — Check-in, ID and the Rules

Bring ONE ID — and know that this is unusual. The Florida Candidate Handbook asks for one form of current, unexpired government-issued, photo-bearing identification with a valid signature. Most Pearson VUE programmes in other subject areas run a two-ID rule with a primary and a secondary, and third-party study forums import that advice into Florida threads constantly. You need one, and it must carry both a photograph and a signature — which quietly rules out some ID cards that carry only a photo.

The name must match exactly. The name on your identification has to match the name on your Pearson VUE reservation. Not "close enough" — exactly. A booking made as "Michael" against a licence reading "Michael J." is the sort of thing that gets resolved at the counter under time pressure, and the $44 is nonrefundable if it cannot be.

Acceptable ID includes a driver's licence, passport, military ID, or permanent resident card. Arrive at least 30 minutes before your scheduled start — the handbook says candidates "should report to the test center at least thirty (30) minutes before the examination begins" — because check-in involves identity verification and a security screening, and late arrivals are treated as no-shows.

No personal items enter the testing room. Watches included. The handbook's list is explicit: "cellular phones, hand-held computers or other electronic devices, pagers, watches, wallets, purses, firearms or other weapons, hats, bags, coats, books, and/or notes, pens or pencils." Note watches sitting there alongside phones — an ordinary analogue wristwatch is prohibited, and the on-screen timer is your clock. Candidates who wear one out of habit end up handling it at the door. Take it off before you leave home.

Rescheduling is a 48-hour rule. The handbook: candidates "should go online at least forty-eight (48) hours before the examination to change or cancel a reservation." Inside 48 hours the fee is forfeited. Going the other direction, Pearson VUE will seat you as late as one calendar day before your target date if availability exists — so a cancellation can be rebooked quickly, it just costs another $44.

Pacing the 2-15. 165 questions in 165 minutes is close to a minute apiece, which sounds tight and is not: most items are short. There is no scheduled break and the clock does not stop, so the practical advice is to eat beforehand, use the restroom before check-in, and flag rather than agonise — Florida's 70% standard means you can miss 45 scored questions and still pass.

Results. Pass or fail appears on screen the moment you finish. The Personal Lines guide covers score reporting, the diagnostic breakdown on a fail, retake mechanics and the one-year validity of a pass.

What It Costs

$44 to Pearson VUE for InsFL-LHA05, $55 to DFS at application ($50 filing plus the $5 license ID fee), and $49.50 to IdentoGO for LiveScan fingerprints plus county sales tax — about $149 on a first-attempt pass, before the 60-hour course. Retakes are $44 each and all fees are nonrefundable.

Two comparisons worth making. Against the split path, the 2-15 saves you one $44 exam fee and ten hours of coursework. And against most states, Florida's fee burden is unremarkable — it is the education burden that is heavy, which is exactly why the prelicensing section above is the one to read twice before spending money.

There is no renewal fee, because Florida licenses do not renew. The $60 appointment fee is the appointing entity's to pay, and the P&C guide explains the cycle it runs on.

Eligibility Requirements

A resident 2-15 applicant must be a natural person at least 18, a U.S. citizen or legal alien with work authorization, and a bona fide Florida resident; nonresidents file the 8-15 instead. Fingerprints must be on file before DFS may approve the application (F.S. § 626.171), and the character and conduct grounds in F.S. §§ 626.611 and 626.621 apply throughout your career, not just at application.

DFS's 2-15 sheet cites a long list of authorities behind those requirements — F.S. §§ 626.788, 626.833, 624.602, 624.603, 626.015, 626.785, 626.112(4), 626.431(3) and 626.2815 — which is a useful reminder that Florida's licensing rules are scattered across the code rather than gathered in one section. When a source contradicts DFS's own qualification sheet, the sheet is the one DFS licenses from.

Remember that the license alone does not let you sell. You must also be appointed by an appointing entity before you can transact, and an unappointed Florida license expires after 48 months. The P&C guide covers appointments, renewal and reinstatement.

Keeping Your License Active

24 hours every two years — a 4-hour Law & Ethics Update plus 20 elective hours, due by the last day of your birth month. F.A.C. 69B-228.220 sets the clock: complete the hours "by the end of the licensee's birth month after being licensed 24 months and every 2 years thereafter," which means your first deadline can fall anywhere up to about 35 months after licensure and every one after that is exactly two years later.

For a 2-15, the mandatory update must carry course code 5-215. This is the requirement people get wrong when they hold more than one credential: the statute demands an update "specific to the license held," so a 5-214 taken for a life license or a 5-220 taken for a general lines license does not clear a 2-15. DFS publishes the update's content outline — law changes, ethics, disciplinary and industry trends, premium discounts and product suitability.

Statutory reductions apply to the elective hours only, never to the update: 6 or more years licensed reduces the electives (20 total), and 25 or more years with a CLU or CPCU — or a risk-management or insurance degree with at least 18 semester hours — reduces them further. The 25-year reduction is not automatic: it requires form DFS-H2-1109, submitted "prior to the applicant's birth month in the year in which compliance for continuing education is due." The P&C guide covers the renewal and appointment mechanics these tie into.

Missing the deadline costs a $250 fine, and DFS must refuse to renew, continue or issue appointments until you comply — which, given the 48-month unappointed rule, is how CE failure eventually ends a Florida license. Providers have 21 days to report completions, so the date that matters is when the credit reaches DFS, not when you close the course.

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