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
The Florida Life and Health insurance license exam is required by the Florida Department of Financial Services (DFS) before selling life, health, annuity, or disability insurance products in Florida. Florida has one of the most active insurance markets in the country, driven by its large retiree population, Medicare supplement demand, and long-term care insurance needs. The exam is administered by Pearson VUE on behalf of the DFS.
The Life and Health exam contains 165 questions with a 2.5-hour time limit and a passing score of 70%. You need to complete 40 hours of pre-license education before sitting for the exam. Florida's exam is known for heavily testing annuity suitability, the Florida Life and Health Guaranty Association, and the Florida-specific provisions of the Florida Insurance Code (Chapter 627, F.S.).
Florida L&H Insurance Exam Topic Breakdown
| Section | Approx. Weight | Key Topics |
|---|---|---|
| Life Insurance | ~30% | Term, whole, universal, variable; policy provisions; underwriting; beneficiaries |
| Health Insurance | ~25% | Medical expense, disability income, LTC, HMO, ACA requirements |
| Annuities | ~15% | Fixed, variable, indexed; accumulation phase; suitability; Florida rules |
| Florida Insurance Code | ~20% | Producer licensing, unfair practices, free-look periods, replacement |
| Federal Regulations | ~10% | ACA, ERISA, Medicare/Medicaid, HIPAA, COBRA |
Sample Florida L&H Insurance Exam Questions
1. Under Florida law, an insurer must provide the insured with a free-look period for a life insurance policy of at least:
2. The Florida Life and Health Insurance Guaranty Association protects Florida policyholders in the event of:
3. Under Florida's replacement regulations, when a life insurance producer recommends replacing an existing life policy, the producer must:
Study Tips for the Florida L&H Insurance Exam
Florida's free-look periods are different from most states and are heavily tested: 14 days for standard life, 21 days for replacement life, 30 days for Medicare Supplement, and 21 days for annuities. Know these cold. The Florida Life and Health Insurance Guaranty Association coverage limits ($300,000 for death benefits, $100,000 for cash values) are another high-frequency topic that often trips up candidates who memorize national limits.
Florida has a large retiree population, which means annuity suitability and Medicare supplement questions are very common. Know the difference between Medicare Parts A, B, C, and D; what Medigap covers and what it doesn't; and the Florida-specific suitability requirements for annuity sales to seniors. The Florida replacement regulations and their specific notice requirements are also tested on almost every exam.
The national exam content is covered in our national Life & Health practice exam. Getting both lines? See the Florida P&C exam, and use the insurance license study guide for a full prep plan.
Frequently Asked Questions — Florida L&H Insurance Exam
How many questions are on the Florida Life & Health insurance exam?
The Florida L&H exam contains 165 questions with a 2.5-hour time limit. The passing score is 70%, meaning you need at least 116 correct answers. The exam is administered by Pearson VUE on behalf of the Florida Department of Financial Services.
What pre-license education is required in Florida for L&H insurance?
Florida requires 40 hours of DFS-approved pre-license education for the Life and Health exam. The curriculum covers life insurance, health insurance, annuities, and Florida insurance law. Courses can be completed online or in person through DFS-approved providers.
What is the free-look period for life insurance in Florida?
Florida provides a 14-day free-look period for standard life insurance policies — the insured may return the policy for a full premium refund within 14 days of delivery. Replacement life policies have a 21-day free-look period. Medicare Supplement policies have a 30-day free-look period. Annuity policies have a 21-day free-look period.
What is the Florida Life and Health Insurance Guaranty Association?
The Florida Life and Health Insurance Guaranty Association protects Florida policyholders if a licensed insurer becomes insolvent. Coverage limits are: $300,000 for life insurance death benefits, $100,000 for cash surrender values, $300,000 for health insurance claims, and $250,000 for annuity benefits. The association is funded by assessments on solvent member insurers.
How long is a Florida insurance producer license valid?
Florida insurance producer licenses are valid for two years. Renewal requires 24 hours of continuing education, including a mandatory 5-hour law and ethics course. First-year licensees must complete a 4-hour course on insurance agent ethics and law within the first year of licensure.
Do I need to pass separate exams for life insurance and health insurance in Florida?
In Florida, Life and Health insurance are combined into a single examination. Passing the combined exam qualifies you for both the Life (including variable annuities and variable life) and Health (including HMO) lines of authority. You take one 165-question exam that covers all life and health topics.
What Florida-specific topics appear most frequently on the L&H insurance exam?
The most frequently tested Florida-specific topics are: free-look periods (14/21/30 days for different policy types), Florida Life and Health Guaranty Association coverage limits, replacement regulations (Notice Regarding Replacement, 21-day free-look for replacement life), annuity suitability rules for seniors, and the Florida Insurance Code provisions on unfair trade practices and producer licensing.