Florida 2-15 Health & Life

Prepare for the Florida
2-15 Health & Life
exam with 340 questions

340 practice questions across all twelve content areas the state publishes, each with the correct answer and a plain-English explanation. First five free — no account, no card.

First 5 questions free · No account needed
Sample question
In a variable annuity, the investment risk is borne by:
The state guaranty association
The insurance company
The producer who sold the contract
The contract owner
Why:

The values follow the subaccounts the owner picks, so the owner carries the investment risk, not the insurer.

Explained answersAll 12 areasTimed simulation
340
practice questions
12
content areas
150
scored questions on the exam
70%
to pass — no rounding up
Study tools

Three ways to prepare

Study at your own pace, practice by topic, or simulate the real exam with a timed test.

Study Guide
Every question with the correct answer and a clear explanation, organized by content area.
Free preview
Practice Quiz
Interactive quiz with instant feedback. Filter by content area and track your score.
5 questions free
Exam Simulation
A full timed mock exam in the real format — no explanations until you finish.
Timed
Why this works

Built from the state’s own content outline

Not a generic multi-state life and health course. Every area is weighted the way Florida weights it, and a third of the bank is Florida law — which is where most candidates lose the exam.

Why it matters

A minute a question, and no book to look in

The 2-15 is closed book. There is no reference to reach for and barely a minute per question, so the exam measures what you can recall under a clock — not what you can find. That is why reading the prelicensing book twice is the most common way to fail it: recognizing a paragraph is not the same as answering a question about it.

Practice turns reading into recall. Every question here carries the correct answer and a plain-English explanation, so you learn the rule behind it rather than the letter — and a third of the exam is Florida statute, where the rule is the whole answer.

What is inside

Weighted the way the state weights it

The 340 questions follow the twelve content areas and their published weights, so the share you practice matches the share you will be asked. The three Florida-law areas alone are a third of the exam, and they are the areas a national study book covers least.

Free guides

Free Florida 2-15 licensing and exam guides

Straight answers on the license and the exam, written from the state’s own content outline and candidate handbook. Free to read, no account.

Exam day

Know exactly what to expect

The 2-15 exam is delivered by computer at Pearson VUE test centers. Nothing on the day should be a surprise — here is the format, from the state's own candidate handbook.

150
scored questions, plus 15 unscored pretest
2h 45m
for all 165 — about a minute each
70%
of the scored questions to pass
Closed book
nothing of your own at the desk

Our timed simulation mirrors it: 150 questions, the same clock, the same passing bar, and no explanations until you finish — so the pace is familiar before it counts.

How to use it

Three steps to a pass

Most candidates fail on Florida law and on pacing, not on insurance concepts. Work in that order.

1
2
3
Exam coverage

All twelve content areas

The weights come straight from the state’s published examination content outline.

10%34q
Types of Life Policies & Features
10%34q
Life Policy Riders, Provisions, Options & Exclusions
8%27q
Completing the Life Application, Underwriting & Delivery
5%17q
Retirement & Other Life Insurance Concepts
11%37q
Types of Health Policies
10%34q
Health Policy Provisions, Clauses & Riders
4%14q
Social Insurance
4%14q
Other Health Insurance Concepts
5%17q
Field Underwriting Procedures
13%44q
Florida Statutes, Rules & Regulations Common to All Lines
10%34q
Florida Statutes for Life & Annuity, Including Variable Products
10%34q
Florida Statutes for Health Insurance
Also licensed in Florida

Going for an adjuster license instead?

The 6-20 all-lines adjuster license is a different exam with its own content outline, and our sister site prepares for it the same way this one does — from the state's published outline, with an explanation on every answer.

6-20 All-Lines Adjuster Prep Prepping for the Florida 6-20 all-lines adjuster license instead? Our sister site covers that exam the same way, from the state’s own content outline.
What you're buying

Built for this exam, explained in plain English

Every practice question is written in-house and modeled after the 12 official Florida 2-15 exam content areas. Each question includes a clear, plain-English explanation to help you understand the material — not just memorize the answer.

Your 90 days start the day you buy, not the day you sit the exam. Between the paperwork and booking a seat, exam day can be weeks away — and the clock runs the whole time. Lifetime has no clock: study at your own pace, sit when you're ready, and keep it for a retake, for $89 once. 3-Month Access at $49 makes sense when your exam date is already booked.

Simple pricing

Unlock Full Access

One price, no subscription traps. Start free and upgrade only if it is helping.

3-Month Access
$49$70
Access for 3 months
90 days of access
All 340 practice questions
All 12 content areas
Full study guide
Timed 150-question simulation
Content area filtering
Question bank updated August 2026 · Prices in US dollars. The $44 examination fee is paid separately to Pearson VUE.
FAQ

Common questions

Which plan should I choose?
The 3-month plan gives you 90 days. If you expect to sit the exam inside that window, it is the cheaper option. If you might need longer — or a second attempt — Lifetime is $89 once. A 3-month plan can be upgraded to Lifetime at any time for $69, so starting with 3 months and upgrading later comes to $118. Lifetime also includes future question updates, which matter when the exam blueprint or the statutes behind it change.
How many questions are on the Florida 2-15 exam?
The Health & Life (including Annuities & Variable Contracts) examination has 150 scored questions plus 15 pretest questions, with a time limit of 2 hours 45 minutes. Pretest questions are mixed in and are not identified, so treat every question as if it counts.
What score do I need to pass?
Seventy percent. The candidate handbook states that the passing score for all Florida insurance examinations is 70%, computed by dividing the number of questions answered correctly by the total number of examination questions.
How much does the exam cost?
The examination fee is $44, paid to Pearson VUE when you reserve your appointment. If you do not sit the exam you booked, that fee is forfeited and a new one is due when you rebook.
How many times can I retake it?
Florida allows five examination attempts for the same examination type in a twelve-month period. A passing score is valid for one year from the date it was earned, so the license application has to be completed inside that window.
Do I have to take a course before the exam?
The usual route is a 60-hour approved prelicensing course, and it still requires the state examination — the course is a prerequisite, not a substitute. A combination of a 30-hour life course and a 40-hour health course also qualifies, and also still requires the exam.
Is there any way to skip the state exam?
A small number of routes are exempt: a degree carrying at least nine credit hours of insurance instruction, transferring an equivalent resident license within 90 days of becoming a Florida resident, or holding the CLU designation. None of them is a shortcut for a first-time candidate.
Where is the exam given?
At a Pearson VUE test center. Florida candidates must reserve a seat at a physical test center, and you receive a photo-bearing score report marked pass or fail as soon as you finish.
Are these the actual exam questions?
No. These are original practice questions written to cover the same twelve content areas the state publishes in its Examination Content Outlines — not leaked exam items.