Florida Life & Health Insurance License Practice Exam
150 practice questions covering national life & health concepts and Florida-specific regulations.
About the Florida Life & Health Insurance Exam
To get your Florida Life & Health insurance license, you must pass the state licensing exam administered by Pearson VUE with a passing score of 70%. Exam fee: $44–$100. Florida is regulated by the Florida Department of Financial Services (DFS), Division of Agent and Agency Services under Florida Statutes Chapter 626. Visit myfloridacfo.com/Division/Agents for official licensing information. Very high pre-licensing hours (FL-specific 40-hour requirement); fingerprinting via IdentoGO; DFS Chief Financial Officer (CFC) is elected; Florida Life and Health Guaranty Association; Chapters 627-632 cover insurance contracts; active agent market due to large elderly population.
Pre-licensing education in Florida: 60 hours (20 general + 40 FL-specific) for Life & Health Agent. Continuing education: 24 hours biennial (Florida-specific requirements). License renewal fee: biennial. CE must be completed before submitting your Florida renewal application. How to get licensed in Florida: complete pre-licensing → submit background check/fingerprinting → pass Pearson VUE exam → apply for Florida producer license.
How to get a Florida Life & Health insurance license in 2026. The Florida Department of Financial Services (DFS), Division of Agent and Agency Services (myfloridacfo.com/Division/Agents) administers all producer licensing in Florida. Exam: Pearson VUE, $44–$100, 70%. Pre-licensing: 60 hours (20 general + 40 FL-specific) for Life & Health Agent. Once licensed, maintain your Florida Life & Health license by completing 24 hours biennial (Florida-specific requirements) and paying the biennial renewal. For questions contact the Florida Department of Financial Services (DFS), Division of Agent and Agency Services.
DFS (myfloridacfo.com). FL Statutes Chapter 626. Chief Financial Officer (CFC) is ELECTED (like CA Commissioner). Fingerprinting via IdentoGO. High pre-licensing hours. Florida L&H Guaranty Association. Large retiree market = Medicare supplement heavy.
Interested in where this license leads? See our guide to insurance careers — including salary ranges, how to break in, and what the career looks like day to day.
Frequently Asked Questions — Florida L&H Insurance Exam
How do I get a Florida Life & Health insurance license?
To become a licensed Life & Health producer in Florida: (1) Complete any required pre-licensing education (60 hours (20 general + 40 FL-specific) for Life & Health Agent); (2) Submit your application and complete the background check/fingerprinting process; (3) Pass the Pearson VUE exam ($44–$100, 70%); (4) Apply for your Florida producer license. The Florida Department of Financial Services (DFS), Division of Agent and Agency Services (myfloridacfo.com/Division/Agents) oversees all insurance producer licensing in Florida.
What exam does Florida use for Life & Health insurance licensing?
Florida uses Pearson VUE to administer the Life & Health insurance licensing exam. Fee: $44–$100. Passing score: 70%. Very high pre-licensing hours (FL-specific 40-hour requirement); fingerprinting via IdentoGO; DFS Chief Financial Officer (CFC) is elected; Florida Life and Health Guaranty Association; Chapters 627-632 cover insurance contracts; active agent market due to large elderly population.
Does Florida require pre-licensing for Life & Health insurance?
60 hours (20 general + 40 FL-specific) for Life & Health Agent. For official pre-licensing provider information, visit myfloridacfo.com/Division/Agents.
What are Florida's CE requirements for Life & Health producers?
Florida requires: 24 hours biennial (Florida-specific requirements). Renewal fee: biennial. CE must be completed before submitting the renewal application. Contact the Florida Department of Financial Services (DFS), Division of Agent and Agency Services at myfloridacfo.com/Division/Agents for CE provider information.
What makes Florida unique for Life & Health insurance licensing?
Very high pre-licensing hours (FL-specific 40-hour requirement); fingerprinting via IdentoGO; DFS Chief Financial Officer (CFC) is elected; Florida Life and Health Guaranty Association; Chapters 627-632 cover insurance contracts; active agent market due to large elderly population.