Life Insurance Producer (Florida)

First published: September 1, 2026Last verified: September 2, 2026Reviewed by the CertQuestUSA team

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 citing the real regulation it comes from.

Where these questions come from

Every question in this bank cites a real source -- primarily content.naic.org (59%) and flsenate.gov (32%) of this exam's citations.

Not sure where you stand? Take the free diagnostic — 10 real questions across the exam's domains, no sign-up required, with a domain-by-domain breakdown 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

Annuities9%
Applications, Underwriting, Policy Delivery, and Field Responsibilities11%
Business, Group, and Specialized Life Uses7%
Ethics, Suitability, and General Insurance Regulation5%
FL Insurance Producer Licensing Law32%
Policy Provisions, Riders, Options, and Exclusions14%
Tax Treatment and Retirement Concepts9%
Types of Life Policies14%

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

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

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

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

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

Source: Florida Statutes §626.321(1) — credit insurance limited license; https://www.flsenate.gov/Laws/Statutes/2025/626.321

Same exam, other states

CA IL NY OH PA TX

Real-world data for this exam

Insurance Sales Agents: real median wage (FL)May 2025$59,790/yr

Frequently asked questions

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 diagnostic for Life Insurance Producer (Florida)?

Yes -- 10 real questions across the exam's domains, no sign-up required, with a domain-by-domain breakdown at the end.