2-15 = Health & Life (including Annuities & Variable Contracts). One license, four product families: life insurance, annuities, variable contracts and health insurance. You qualify through prelicensing education and then pass a state examination of 150 scored questions in 2 hours 45 minutes, at 70%. The examination fee is $44, paid to Pearson VUE when you book.
What the license actually authorizes
Florida licenses insurance agents by line of authority rather than issuing one general license. The 2-15 is the combined Health & Life (including Annuities & Variable Contracts) line, and the parenthesis is the important part — it is what separates the 2-15 from the narrower licenses beside it.
Holding it, you may represent an insurer as to:
- Life insurance — term, whole life, universal life and the interest-sensitive products in between.
- Annuities — fixed, indexed and deferred or immediate contracts.
- Variable contracts — variable life and variable annuities, which carry a separate requirement of their own (see below).
- Health insurance — medical expense, disability income, Medicare supplement, long-term care and the group products.
Variable products need a securities license too. A variable contract is a security as well as an insurance product, so selling one requires the appropriate FINRA registration in addition to the 2-15. The insurance license alone does not authorize it.
How the 2-15 differs from its neighbors
Three license codes get confused with each other constantly, because the numbers say nothing about the scope.
- 2-14 — Life (including Annuities & Variable Contracts). The life side only. No health.
- 2-40 — Health. The health side only. No life, no annuities.
- 2-15 — both. Which is why it is the one most new agents pursue: it costs one examination rather than two, and it leaves no product conversation off the table.
There is also a non-resident equivalent, the 8-15, for agents licensed elsewhere who want to write Florida business without becoming Florida residents.
How you get one
The route almost everyone takes has two gates: education, then examination.
Education. The standard prerequisite is a 60-hour approved prelicensing course in life and health including variable annuity insurance, completed within four years of your application date. There is an alternative built from two halves — a 30-hour life course paired with a 40-hour health course — and certain professional designations can stand in for one half or the other.
Examination. Then the state examination, described below. The point worth being clear about: the course does not replace the exam. Both of the education routes above are marked "Requires State Examination" in the Department's own qualification document. School is the prerequisite, not the alternative.
See how to get a Florida insurance license for the full sequence, and the prelicensing course for what the 60 hours contain.
The examination in numbers
Every figure here comes from the state’s published outline and the candidate handbook rather than from a school’s summary page:
- 150 scored questions plus 15 pretest questions. The pretest items are mixed in and are not identified, so treat all 165 as if they count.
- 2 hours 45 minutes.
- 70% to pass, computed by dividing the number answered correctly by the total.
- $44, paid to Pearson VUE at the time you reserve.
- Twelve content areas, weighted — and three of the twelve are Florida statutes and rules, together a third of the exam.
You take it at a physical Pearson VUE test center, and you get a photo-bearing score report marked pass or fail before you leave.
Where candidates actually lose it
The insurance concepts on this exam are the same ones taught in any life-and-health course anywhere in the country. What is not the same is the Florida law block. Three of the twelve content areas are Florida statutes and rules — one common to all lines, one for life and annuity products, one for health insurance — and together they are 33% of the scored questions.
A candidate who studies a generic national text and then sits this exam is walking in a third short. That is the single most useful thing to know before you plan your study time, and it is why our practice test weights those three areas exactly the way the state does.
After you pass
A passing score is valid for one year from the date it was earned. Passing is not the license — you also complete the application, the background and fingerprinting requirements, and an appointment with an insurer before you can transact business. If the licensing process is not finished inside that year, the examination has to be retaken.
And if it does not go well the first time: Florida allows five attempts at the same examination type in a twelve-month period. See retaking the exam.
See where you stand before you book
340 practice questions across all twelve areas, weighted like the real exam. First 5 free — no account, no card.