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Free Florida Life and Health Practice Exam Online

Official exam: Life & Health Insurance Producer (Florida)

Take a free Florida Life and Health practice exam online: a full 50-question paper with every answer explained, no sign-up, scored by topic. The full 174-question bank and the timed simulator are $14.99 for 30 days.

First published: September 2, 2026Bank updated: September 2, 2026Published by CertQuestUSA · review process
TL;DR

Life & Health Insurance Producer (Florida): a 174-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 50 questions each with no repeats, every question written to the regulation it comes from.

Where these questions come from

Every question in this bank cites a source -- primarily content.naic.org (58%) and healthcare.gov (14%) of this exam's citations.

Take a full practice test free. 50 real questions built to the exam's domain weights, every answer explained, no sign-up required, with a domain-by-domain score at the end.
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3
full papers, no repeats
50
questions per paper
174
questions in the bank
What this exam covers
5 real sample questions
What is the official Florida DFS "Type and Class" name for the combined license that authorizes a producer to transact life insurance, annuities (fixed and variable), and health insurance?
A. 2-15 Resident Health & Life (Including Annuities & Variable Contracts) Agent License
B. 2-14 Life Including Variable Annuity Agent License
C. 2-40 Health Agent License
D. 5-215 Life and Health Insurance Adjuster License
Show answer and reasoning

Correct answer: A. 2-15 Resident Health & Life (Including Annuities & Variable Contracts) Agent License

  • B: The 2-14 license covers life and variable annuity contracts but does not include health insurance authority; it is a narrower license than the combined 2-15.
  • C: The 2-40 code designates a health-only agent license and does not include life or annuity authority.
  • D: 5-215 is not a Florida producer license type; the digits describe an unrelated CE course numbering scheme, not a license class.
Source: Florida Department of Financial Services, Division of Insurance Agent and Agency Services - Bureau of Licensing, "Resident Health & Life (Including Annuities & Variable Contracts) Agent License" (2-15 license summary, myfloridacfo.com); Fla. Stat. §§ 626.015, 626.785
A funeral establishment contracts with a life insurance agent to sell a preneed contract covering final disposition or burial expenses under s. 626.785, F.S. What is the maximum face amount of insurance the agent may sell under this limited exception?
A. $15,000
B. $21,000
C. $25,000
D. $50,000
Show answer and reasoning

Correct answer: B. $21,000

  • A: This figure is lower than the actual statutory cap on preneed-related life insurance coverage.
  • C: This figure is higher than the actual statutory cap; $25,000 is not the amount specified in s. 626.785, F.S.
  • D: This figure substantially exceeds the statutory cap set for this narrow preneed exception.
Source: Fla. Stat. § 626.785; DFS "2-15 Resident Health & Life" license summary (myfloridacfo.com)
Under s. 626.431(3), F.S., how long may a Florida 2-15 license remain valid without being appointed by an insurer before it expires?
A. 12 months
B. 24 months
C. 48 months
D. 36 months
Show answer and reasoning

Correct answer: C. 48 months

  • A: 12 months is too short; Florida allows a considerably longer unappointed period before expiration.
  • B: 24 months is too short; the actual statutory period is longer.
  • D: 36 months is close but not the figure specified in s. 626.431(3), F.S.; the actual period is longer.
Source: Fla. Stat. § 626.431(3); DFS "2-15 Resident Health & Life" license summary (myfloridacfo.com)
Which of the following, per DFS's published 2-15 licensing steps, allows an applicant to become EXEMPT from Florida's state licensing examination?
A. Having sold insurance in any state for 10+ years
B. Passing NAIC's national exam
C. Completing 20 hours of Florida-specific continuing education
D. Holding an original letter from the American College of Financial Services certifying award of the Chartered Life Underwriter (CLU) designation
Show answer and reasoning

Correct answer: D. Holding an original letter from the American College of Financial Services certifying award of the Chartered Life Underwriter (CLU) designation

  • A: Years of out-of-state experience alone, without a qualifying credential or the specific residency/reciprocity pathway, does not exempt an applicant from Florida's exam.
  • B: Florida does not accept a national NAIC exam in place of its own state licensing examination for this purpose.
  • C: Elective CE hours are a post-licensure requirement, not a pathway that substitutes for the pre-licensing state examination.
Source: DFS "2-15 Resident Health & Life" license summary, Step 2 (myfloridacfo.com)
Under the standard pre-licensing pathway for the Florida 2-15 license, an applicant must complete an approved insurance course covering life, health, and variable annuity insurance totaling how many hours?
A. 60 hours
B. 40 hours
C. 50 hours
D. 90 hours
Show answer and reasoning

Correct answer: A. 60 hours

  • B: 40 hours corresponds only to the separate health pre-licensing course component under the alternate credential-stacking pathway, not the standard combined course.
  • C: 50 hours is not the figure used in either the standard combined course or the alternate 30+40 hour pathway.
  • D: 90 hours overstates the standard requirement; DFS specifies a 60-hour combined course.
Source: DFS "2-15 Resident Health & Life" license summary, Step 2 (myfloridacfo.com)
Same exam, other states
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Real-world data for this exam
Insurance Sales Agents: real median wage (FL)May 2025$59,790/yr

Frequently asked questions

Where can I take a free Florida Life and Health practice exam online?
Right here. CertQuestUSA's free Florida Life and Health practice exam online is a full 50-question practice paper built to the real exam's domain weights, with every answer explained, with no sign-up and no credit card, and shows your score by topic at the end. The full 174-question bank, with every answer explained and cited to the regulation it comes from, is $14.99 for a 30-day pass that never renews.
How many questions are on the CertQuestUSA Life & Health Insurance Producer (Florida) practice test?
174 questions total, split into 3 full papers of 50 each with no repeats across papers.
What topics does the Life & Health Insurance Producer (Florida) test cover?
13 domains, with the heaviest weight on Annuities, Tax, Retirement, Government Programs, and Consumer Accounts (14%), Applications, Underwriting, Delivery, and Field Responsibilities (14%), and Ethics, Suitability, Advertising, and General Regulation (14%).
Where do CertQuestUSA's Life & Health Insurance Producer (Florida) questions come from?
Primarily content.naic.org (58%) and healthcare.gov (14%) of this bank's citations -- computed directly from this exam's own question sources, not a generic description.
Is there a free Life & Health Insurance Producer (Florida) practice test?
Yes -- one full 50-question practice paper built to the exam's domain weights, free with no sign-up, with every answer explained and a domain-by-domain score at the end.
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