Start with five free questions. The full bank is 340 questions across all twelve content areas, and every one carries the correct answer with a plain-English explanation of why. Filter by area to find the gaps, then sit the timed 150-question mock at the real pass mark.
Weighted the way the exam is weighted
Most practice material treats every topic as equally important. The state does not. The 2-15 examination weights twelve content areas, and studying them evenly means over-preparing on some and arriving short on others.
This bank follows the published weights exactly:
- Florida statutes and rules — 33%, across three separate areas: common to all lines, life and annuity including variable products, and health insurance.
- Life insurance — 33%: policy types, riders and provisions, the application and underwriting, retirement concepts.
- Health insurance — 29%: policy types, provisions and riders, social insurance, other concepts.
- Field underwriting — 5%.
That first line is the one worth staring at. A third of the exam is Florida-specific law, and it is exactly the third that a national life-and-health study guide does not cover.
Every answer explains itself
A practice question that only tells you right or wrong teaches you which letter to memorize. Every question here says why the correct answer is correct — one or two sentences, in plain English, on the concept being tested rather than a restatement of the option.
That matters most in the Florida law areas, where the distinctions are fine and the wrong answers are plausible: twisting against churning, sliding against coercion, what the guaranty association exists for. Getting one wrong and reading why is how those separate in your memory.
Why not a shared flashcard deck
Free decks circulate for this exam, and they have two problems that are hard to see from inside them.
The first is that nobody checks them. A deck copied from a copy carries whatever errors were in the original, and an insurance exam is full of near-identical concepts where a single wrong card teaches a wrong distinction confidently.
The second is weighting. A deck reflects whatever its author found interesting, which is rarely 33% Florida statutes. You can revise a deck to the last card and still walk in a third short.
Our own bank is not exempt from the first problem, so we treat it as a real risk: questions are written from the state’s content outline, checked for answer-position and answer-length bias, and audited so the marked answer is not merely self-consistent but correct. A practice bank that quietly teaches the wrong fact is worse than none.
How to actually use it
- Take the free five cold. Before any revision. You want a baseline, not a score.
- Filter by content area and work the three Florida law areas first. They are a third of the exam and they are where most of the losable points live.
- Read every explanation, including on questions you got right — a lucky guess and knowledge look identical in a score.
- Then sit the timed mock. 150 questions, 2 hours 45 minutes, 70% to pass. About 66 seconds a question, which is the constraint nobody expects.
- Repeat until 80% is routine. The bar is 70%; leaving no margin is how a good candidate fails on a bad morning.
What this is not
These are original practice questions written to cover the same content areas the state publishes. They are not real exam items, and no honest source has those. Passing here does not guarantee passing the state examination, and it does not by itself qualify you for a license — see the license requirements for what else the Department asks for.
Start with five, free
No account, no card, no email. See how the format works and where you stand.