150 scored questions, four options each, 70% to pass. They are drawn from twelve weighted content areas, and a third of them come from Florida statutes and rules. Below are worked examples in the same style, from each part of the outline.
What the format is
Straight multiple choice: a stem, four options, one best answer. There is no essay component, no case study attached to a block of questions, and no negative marking — an unanswered question and a wrong one score the same, so there is never a reason to leave one blank.
You get 2 hours 45 minutes for 165 questions including the 15 unscored pretest items, which works out at about 66 seconds each. That is the part candidates consistently misjudge: the questions are not long, but there are a lot of them.
What makes them hard
Not the wording. The distractors.
A well-written insurance exam question puts three plausible wrong answers beside the right one, each of which is a real concept that a candidate might confuse with the tested one. Twisting sits beside churning. Sliding sits beside coercion. An aleatory contract sits beside a unilateral one and a contract of adhesion. Knowing roughly what a term means is not enough; the exam asks you to separate it from its neighbor.
Worked examples
Florida law — the largest block
"An agent tells a client their existing policy is worthless in order to persuade them to buy a replacement from a different insurer. This practice is called what?"
The answer is twisting. The distractor that catches people is churning, which is the same misconduct where the replacement comes from the same insurer, usually funded from the existing policy's values. Sliding and coercion are also there and are also real practices — sliding is adding coverage the client did not ask for, coercion is using pressure or a business relationship to force a sale.
Life policies
"Under the increasing death benefit option of a universal life policy, the death benefit equals what?"
The specified amount plus the accumulated cash value. The plausible wrong answer is "the accumulated cash value only", and the trap for a careless reader is the level option, which pays a fixed amount regardless of cash value growth.
Health policies
"What benefit trigger does a long-term care policy typically use?"
Inability to perform activities of daily living, or cognitive impairment. The distractors are drawn from other product types — a disability income policy's own-occupation test, or a medical expense policy's deductible logic — and they read plausibly if you have not separated the products.
Field underwriting
"An applicant asks the agent to promise that a policy exclusion will not be applied to a future claim. What should the agent explain?"
That a producer may not change or waive any provision of the contract. Only the insurer can alter the terms of its own contract. The agent's role is to solicit, take applications and explain the coverage as written — a promise otherwise does not bind the insurer, and making one is its own problem.
The pretest questions
Fifteen of the questions you answer are being trialled for future exams and do not count. They are mixed in with the scored ones and are not identified, so there is no strategy available and no benefit in trying to spot them. Answer all 165 as though they count, because you cannot know which do.
How to practice them
Reading questions is not practicing them. What builds the distinction between near-neighbor concepts is getting one wrong, reading why, and meeting it again a week later.
Our bank is 340 questions across the same twelve content areas, weighted the same way, each with the reasoning attached. It is filterable by area, which matters because the three Florida law areas are where the gap usually is. See the practice test and the study guide.
These are original questions written to the state's published content outline. They are not real exam items — no legitimate source has those.
See the format for yourself
Five questions, free, with the explanations. No account, no card.