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Free Florida Life Insurance Practice Exam Online

Official exam: Life Insurance Producer (Florida)

Take a free Florida Life Insurance practice exam online: a full 50-question paper with every answer explained, no sign-up, scored by topic. The full 220-question bank and the timed simulator are $14.99 for 30 days.

First published: September 1, 2026Bank updated: September 2, 2026Published by CertQuestUSA · review process
TL;DR

Life Insurance Producer (Florida): a 220-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 4 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 (59%) and flsenate.gov (32%) 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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4
full papers, no repeats
50
questions per paper
220
questions in the bank
What this exam covers
5 real sample questions
Under the Florida Insurance Code, how is a "line of authority" defined for a licensed producer?
A. A kind, line, or class of insurance an agent is authorized to transact
B. The insurer that has appointed the agent to sell its products
C. The specific dollar volume of premium an agent may write annually
D. The geographic territory within Florida where an agent may solicit business
Show answer and reasoning

Correct answer: A. A kind, line, or class of insurance an agent is authorized to transact

  • B: That describes an appointment, a separate concept from line of authority
  • C: Florida law does not cap premium volume by license type
  • D: Florida licensing is statewide, not territorial by county or region
Source: Florida Statutes §626.015(9) — definition of "line of authority"; https://www.flsenate.gov/Laws/Statutes/2025/626.015
In Florida, a licensed "life agent" is authorized to transact which combination of business?
A. Health maintenance organization contracts only
B. Life insurance, annuity contracts, and viatical settlement brokerage
C. Title insurance and escrow closing services
D. Property, casualty, and surety insurance
Show answer and reasoning

Correct answer: B. Life insurance, annuity contracts, and viatical settlement brokerage

  • A: That describes a health agent
  • C: That describes a title agent, a distinct license category
  • D: That describes a general lines agent
Source: Florida Statutes §626.015 — life agent scope; https://www.flsenate.gov/Laws/Statutes/2025/626.015
A Florida general lines agent's authority extends to which group of insurance types?
A. Portable electronics insurance only
B. Life, annuity, and variable contracts
C. Property, casualty, surety, health, and marine insurance
D. Preneed funeral agreement insurance only
Show answer and reasoning

Correct answer: C. Property, casualty, surety, health, and marine insurance

  • A: That is another narrow limited-license category under §626.321
  • B: That is the life agent's scope
  • D: That is one narrow limited-license category under §626.321
Source: Florida Statutes §626.015 — general lines agent scope; https://www.flsenate.gov/Laws/Statutes/2025/626.015
Which of the following is a Florida limited-lines license category under §626.321, distinct from a full life or general lines license?
A. Public adjuster
B. Customer representative
C. Managing general agent
D. Portable electronics insurance
Show answer and reasoning

Correct answer: D. Portable electronics insurance

  • A: A public adjuster is licensed under different provisions, not §626.321 limited lines
  • B: A customer representative is a separate license type under Florida law
  • C: A managing general agent is a separate producer classification, not a limited line
Source: Florida Statutes §626.321(1) — limited licenses; https://www.flsenate.gov/Laws/Statutes/2025/626.321
Florida's credit insurance limited license under §626.321 encompasses which of these coverages tied to an extension of credit?
A. Credit life, credit disability, credit property, and GAP insurance
B. Workers' compensation self-insurance
C. Homeowners and flood insurance
D. Ocean marine cargo insurance
Show answer and reasoning

Correct answer: A. Credit life, credit disability, credit property, and GAP insurance

  • B: Workers' compensation self-insurance falls under casualty/general lines authority
  • C: Homeowners and flood coverage fall under general lines property authority, not the credit license
  • D: Marine cargo is a general lines category
Source: Florida Statutes §626.321(1) — credit insurance limited license; https://www.flsenate.gov/Laws/Statutes/2025/626.321
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 Insurance practice exam online?
Right here. CertQuestUSA's free Florida Life Insurance 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 220-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 Insurance Producer (Florida) practice test?
220 questions total, split into 4 full papers of 50 each with no repeats across papers.
What topics does the Life Insurance Producer (Florida) test cover?
8 domains, with the heaviest weight on FL Insurance Producer Licensing Law (32%), Policy Provisions, Riders, Options, and Exclusions (14%), and Types of Life Policies (14%).
Where do CertQuestUSA's Life Insurance Producer (Florida) questions come from?
Primarily content.naic.org (59%) and flsenate.gov (32%) of this bank's citations -- computed directly from this exam's own question sources, not a generic description.
Is there a free Life 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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