Florida Health and Life Agent Exam (2-15) Pass Rate, Format & Study Guide

The Florida Health and Life agent exam (license 2-15) is the written examination required for the Health and Life (including Annuities and Variable Contracts) Agent license, class 0215 / 2-15 in Florida. It has 150 questions and a 165 minutes (2 hours 45 minutes) time allowance, and it is administered under the Florida Department of Financial Services (DFS); examination administered by Pearson VUE.

A Florida insurance license is required by state law to sell or solicit the covered lines of insurance. Passing the written exam is a required step before the department issues the license.

People preparing to become licensed insurance agents in Florida and candidates retaking the exam. Prelicensing education and application requirements are set by the state; check them before you schedule.

The certifying body does not publicly publish an official pass rate for this exam. Be wary of third-party sites citing a specific number here — treat any pass-rate claim you see elsewhere for this exam as unverified.

A passing score is valid for one year, and the handbook sets a limit of five examination attempts for the same examination type; you pay the examination fee for each attempt.

Passing standard: The Florida candidate handbook states that the passing score for all examinations is 70%, computed by dividing the number of questions answered correctly by the number of scored questions. The exam has 150 questions with 165 minutes (2 hours 45 minutes). No official pass rate for this exam was available in the sources we reviewed, so none is quoted here.

The exam has 150 questions with 165 minutes (2 hours 45 minutes). Format: 150 questions · 2 hours 45 minutes (165 minutes) · Florida Insurance Examination Content Outline effective January 1, 2026. Passing standard: The Florida candidate handbook states that the passing score for all examinations is 70%, computed by dividing the number of questions answered correctly by the number of scored questions.

• Types of Life Policies and Features10%
• Life Policy Riders, Provisions, Options, and Exclusions10%
• Completing the Life Application, Underwriting, and Delivering the Policies8%
• Retirement and Other Life Insurance Concepts5%
• Types of Health Policies11%
• Health Policy Provisions, Clauses, and Riders10%
• Social Insurance4%
• Other Health Insurance Concepts4%
• Field Underwriting Procedures5%
• Florida Statutes, Rules, and Regulations Common to All Lines13%
• Florida Statutes, Rules, and Regulations Pertinent to Life and Annuity Insurance, Including Variable Products10%
• Florida Statutes, Rules, and Regulations Pertinent to Health Insurance10%

The content outline spreads questions across 12 areas: Types of Life Policies and Features (10.0%); Life Policy Riders, Provisions, Options, and Exclusions (10.0%); Completing the Life Application, Underwriting, and Delivering the Policies (8.0%); Retirement and Other Life Insurance Concepts (5.0%); Types of Health Policies (11.0%); Health Policy Provisions, Clauses, and Riders (10.0%); Social Insurance (4.0%); Other Health Insurance Concepts (4.0%); Field Underwriting Procedures (5.0%); Florida Statutes, Rules, and Regulations Common to All Lines (13.0%); Florida Statutes, Rules, and Regulations Pertinent to Life and Annuity Insurance, Including Variable Products (10.0%); Florida Statutes, Rules, and Regulations Pertinent to Health Insurance (10.0%).

You apply for the license with the Florida DFS and may be required to complete state-approved prelicensing education (typically before testing) and pay application, fingerprint and background-check fees; confirm the current rules with the DFS.

US$44 per examination attempt, paid to Pearson VUE when you reserve (Florida candidate handbook). License application fees, fingerprinting, prelicensing education and continuing education are separate.

After you are licensed, Florida requires periodic license renewal and continuing education on the department's schedule; check the department for the current hours and deadlines.

Start with the heaviest areas of the content outline: Florida Statutes, Rules, and Regulations Common to All Lines (13.0%); Types of Health Policies (11.0%); Types of Life Policies and Features (10.0%). Then work through the remaining areas, practise state-specific statutes and rules separately from the general content, and finish with timed full-length practice runs of 150 questions in 165 minutes.

Content outlines, fees and passing standards change; this guide follows the materials listed under Verification as of October 2026. Check the department and test administrator before you register.