What's the Florida 2-15 license?

Florida's combined Life, Health & Variable Annuity Agent license. 60 pre-licensing education hours are required, and the exam combines life, health, and annuity content.

How hard is the Florida L&H exam?

Statewide pass rates have run in the 60-70% range for first-time candidates. State-specific questions account for about 25% of the exam.

What does Florida's exam cost?

Around $130 in mandatory fees: $50 application + $44 exam fee + $33 fingerprinting. Fees and hours change frequently. Confirm the latest figures on your state insurance department's site before you register.

Who administers the Florida L&H exam?

Pearson VUE on behalf of the Florida Department of Financial Services.

Florida · State licensing

Pass the FloridaLife & Health insurance license exam.

Florida bundles Life, Health, and Variable Annuity into a single 2-15 license requiring 60 pre-licensing hours from a state-approved provider. The exam is administered by Pearson VUE.

Testing vendor: Pearson VUE
Passing score: 70%
Pre-licensing hours: 60h combined
Application fee: $50
Exam fee: $44 per attempt
Combined exam length: 165 Q · 210 min

Source: myfloridacfo.com. Confirm before you register, state schedules change.

Get on the Florida waitlist.

We're building the Florida-specific question bank now. Waitlist members get 14-day early access and the cheat-sheet PDF.

What's on the FloridaL&H exam.

The Florida L&H exam is administered by Pearson VUE after you finish a state-approved 60-hour pre-licensing course. The combined exam runs 165 questions with a 210-minute time limit. Passing requires 70%.

Content roughly follows the NAIC L&H outline: general concepts, life products, annuities, federal tax treatment, health products, social insurance, ethics, and a state-specific law section. The state law portion is where most candidates lose points, it's the section a generic national bank cannot cover well.

Florida exam FAQ.

What's the Florida 2-15 license?: Florida's combined Life, Health & Variable Annuity Agent license. 60 pre-licensing education hours are required, and the exam combines life, health, and annuity content.
How hard is the Florida L&H exam?: Statewide pass rates have run in the 60-70% range for first-time candidates. State-specific questions account for about 25% of the exam.
What does Florida's exam cost?: Around $130 in mandatory fees: $50 application + $44 exam fee + $33 fingerprinting. Fees and hours change frequently. Confirm the latest figures on your state insurance department's site before you register.
Who administers the Florida L&H exam?: Pearson VUE on behalf of the Florida Department of Financial Services.

Licensing in other states too?

Each state has its own vendor, hours, and fee schedule.

Quick facts

Get on the Florida waitlist.

What's on the FloridaL&H exam.

Florida exam FAQ.

Licensing in other states too?