FL Life & Health
Florida Life & Health Insurance Agent Licensing Exam
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Cheat sheet
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ExploreCommon mistakes
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ExploreCase studies
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ExploreAbout this exam
The Florida Life & Health licensing exam is the state exam a candidate must pass to be licensed by the Florida Department of Financial Services to sell life insurance, health insurance, and related products such as annuities. It is intended for new agents entering the insurance business - career changers, agency hires, and anyone building a book of life and health business in Florida - and it is delivered through Pearson (the program page is branded Pearson VUE, which the company says "will now be known as Pearson Professional Assessments"). The exam is not a single subject test: content spans insurance foundations and principles, life insurance basics and policy types, policy provisions, options, riders and beneficiaries, annuities and retirement products, health insurance basics and medical expense policies, disability income, long-term care and other health products, group life and group health, federal tax treatment, Florida statutes, rules and ethics, marketing, underwriting and policy delivery practices, and Florida consumer protection, replacement and unfair trade practice rules. Preparation should be structured around the official Content Outlines posted on the program page, supplemented by the Candidate Handbook and Licensing FAQs; Pearson also sells online life, health, property and casualty practice tests for $19.95. Appointments may be made up to one calendar day prior to the day you wish to test, subject to availability.
What you'll study
About FL Life & Health preparation
What is on the Florida Life & Health exam?
The program page publishes downloadable Content Outlines that define the tested material. Expect coverage of insurance principles, life policy types, provisions, riders and beneficiaries, annuities, medical expense and disability income coverage, long-term care, group insurance, federal tax treatment, Florida statutes and ethics, underwriting and policy delivery, and Florida unfair trade practice and replacement rules.
How far in advance do I need to book a seat?
Not far. The program page states: "Appointments may be made up to one calendar day prior to the day you wish to test, subject to availability." Booking earlier is still wise if you need a specific date, time, or a particular test center, since same-day and next-day seats depend entirely on what is open.
How much does the exam cost, and are there practice tests?
The program page does not list the exam fee; check the Candidate Handbook and Licensing FAQs PDFs linked there. It does state that "Pearson offers online life, health, property, and casualty insurance practice tests for $19.95." Vouchers can also be purchased through the site if you prefer to prepay for your appointment.
How many questions are on it, and what score do I need to pass?
Those numbers are set by the state and are published in the Candidate Handbook and Content Outlines available on the program page, not on the scheduling page itself. Download both documents before you build a study plan so your practice targets the correct domain weights and the official passing standard.
What happens if I fail - can I retake it?
Retake rules, waiting periods, and any additional fees come from the Florida Department of Financial Services and are described in the Licensing FAQs and Candidate Handbook linked on the program page. Review those documents before your first attempt, because the answer affects how you should budget your time and money.
What name and address should I use when I register?
Use your legal name exactly as it appears on your government-issued ID, and verify it before testing - the page warns the information will appear on documentation issued after the exam and on reports to the licensing agency. You must also give a physical street address; a P.O. box is not acceptable and will delay transmission of your data to Florida DFS.
Why does the registration form ask for my Social Security number?
The page explains that disclosure is mandatory under the Welfare Reform Act and cited Florida Statutes, and is used to verify the identity of a licensure applicant, conduct criminal and disciplinary history background checks, and determine fitness or trustworthiness to engage in the business of insurance. The number is confidential and exempt from public disclosure requirements.
Can I get extra time, a separate room, or test in another language?
Yes - accommodations such as extra time or a separate room can be requested through the accommodations process described on the site, and an English as a Second Language (ESL) Request Form is among the downloads on the Florida program page. Submit requests early so approval is in place before you schedule, and note on-base testing is available for U.S. military candidates.
Who do I contact if something goes wrong with my appointment?
Use the program-specific Help Center and contact options on the site. The published toll-free number is 888-274-2020, and live chat office hours are Monday–Friday 7:00 a.m.–10:00 p.m. CT, Saturday 7:00 a.m.–4:00 p.m. CT, and Sunday 9:00 a.m.–3:00 p.m. CT, closed on local holidays.