For the 2-15 Health & Life license: 150 scored questions plus 15 pretest questions, in 2 hours 45 minutes. The passing score is 70% for every Florida insurance examination. Pretest questions are mixed in with the scored ones and are not identified.
Every Florida insurance exam, by the numbers
These come from the state’s examination content outlines. The pretest questions are extra items being trialled for future exams — they do not affect your score, but you cannot tell which they are, so the honest way to read the table is that you answer the full total.
| Examination | Scored | Pretest | Time limit |
|---|---|---|---|
| 2-15 Health & Life (incl. annuities & variable contracts) | 150 | 15 | 2.75 hours |
| 2-14 Life (incl. annuities & variable contracts) | 85 | 10 | 2 hours |
| 2-40 Health | 85 | 10 | 2 hours |
| 2-20 General Lines (property & casualty) | 160 | 15 | 3 hours |
| Personal Lines | 100 | 8 | 2 hours |
| 6-20 All-Lines Adjuster | 100 | 10 | 2 hours |
| Title Insurance | 70 | 5 | 1.5 hours |
Two things fall out of that table. The 2-15 is not simply "the life exam plus the health exam" — 85 and 85 would be 170, and the combined exam is 150, so it is a compressed version of both. And at 150 questions in 165 minutes you have about 66 seconds per question, which is the real constraint most candidates underestimate.
What the 15 pretest questions are
They are candidate questions being evaluated for use on future examinations. They are mixed in with the scored questions, they are not identified, and they do not count toward your score.
The practical consequence is that there is no strategy available. You cannot spot them, and time spent trying to guess which item is a throwaway is time not spent answering. Treat all 165 as scored.
What score you need
Seventy percent, for every Florida insurance examination. The handbook states it plainly and states how it is computed: the number of questions answered correctly divided by the total number of examination questions.
There is no curve, no scaling and no rounding described. On a 150-question scored set, 70% is the bar you plan for — and it is why practice scores in the low seventies should not feel comfortable.
How the 150 are distributed
Not evenly. The 2-15 outline weights twelve content areas, and the largest single one is Florida law:
- Florida statutes and rules — 33% across three areas. Common to all lines (13%), life and annuity including variable products (10%), and health insurance (10%).
- Health insurance concepts — 24%. Types of policies (11%), provisions and riders (10%), other concepts and social insurance (8%).
- Life insurance concepts — 33%. Policy types (10%), riders and provisions (10%), application and underwriting (8%), retirement concepts (5%).
- Field underwriting procedures — 5%.
A third of the exam being Florida-specific law is the single most useful fact on this page. It is what a national study text does not cover, and it is where an otherwise well-prepared candidate loses the pass.
Exam-day logistics worth knowing
- You reserve a seat at a physical Pearson VUE test center. Florida insurance candidates do not sit this exam from home.
- The fee is $44, paid when you book, and forfeited if you do not attend or arrive without the required identification.
- You are photographed at check-in and leave with a photo-bearing score report marked pass or fail, carrying a numeric score and a breakdown by content area.
- If it goes badly, Florida allows five attempts at the same examination type in twelve months.
150 questions, 66 seconds each
Our timed simulation runs the real length and the real pass mark. First 5 practice questions free — no account, no card.