Passing your Florida insurance license exam is a pivotal part of becoming a licensed insurance agent in the state of Florida.
In this guide, we’ll break down the general information that you need to know in order to pass your exam, outline the differences between each examination line, and offer tips on both: how to prepare for your Florida insurance licensing exam, and on what to do after you pass.
Recommended: Over 81% of our readers use ExamFX’s online courses — which come with a money-back guarantee — when preparing for their insurance license exam(s). For comprehensive study packages, StateRequirement recommends:
ExamFX
The State of Florida uses Pearson VUE to administer its insurance agent licensing. This means you can register and book all of your licensing examinations through the Pearson VUE website. Your test can be carried out online or in person.
Each major insurance line examination is made up of bullet-point questions and includes both general and state-specific material.
The general questions test your federal insurance product and agent knowledge, whereas the state-specific questions test you on the Florida insurance regulations and laws that you will need to know in order to operate as an insurance agent.
Note: You are only allowed one online attempt per exam. All other exam attempts (limitless) will have to be taken in person at a Pearson VUE testing center.
Upon completing your insurance exam, you will see a “pass” or “fail” mark.
Candidates that pass will receive a score report with a numerical score, as well as diagnostic information relating to their exam.
Candidates that fail will receive the same score report, but will also receive additional information relating to the process of reexamination.
Note: The passing score for all Florida insurance exams is 70%. This is calculated by dividing the number of questions answered correctly by the total number of questions.
Your Florida insurance license exam cost will depend on the number of examinations that you take:
Examination
Cost
Time Allowed
FLA General Lines Agent
FLA Health and Life and Annuity Agent
FLA Heath Agent
FLA Life and Annuity
Note: You should focus on one exam at a time. This will likely increase the amount of time and effort you can allocate to each examination and should allow you to feel more prepared when you sit your exam.
Over 81% of our readers use ExamFX’s online courses — which come with a money-back guarantee — when preparing for their insurance license exam(s). For comprehensive study packages, StateRequirement recommends:
ExamFX
Below you can find the content outline offered by Pearson VUE.
We recommend using it as a checklist when working through your pre-license education course. This way, you’ll be absolutely sure that you haven’t missed any topic that you will be tested on later on.
150 scorable questions plus 15 pretest questions.
I. Types of Life Policies and Features
A. Traditional whole life products
B. Interest/market-sensitive/adjustable life products
C. Term life
D. Annuities
E. Combination plans and variations
II. Life Policy Riders, Provisions, Options, and Exclusions
A. Policy Riders
B. Policy Provisions and Options
C. Policy Exclusions
III. Completing the Life Application, Underwriting, and Delivering the Policies
A. Completing the Application
B. Underwriting
C. Delivering the Policy
D. Contract Law
IV. Taxes, Retirement and Other Life Insurance Concepts
A. Third-Party Ownership
B. Viatical Settlements
C. Life Settlements
D. Group Life Insurance
E. Retirement Plans
F. Life Insurance Needs Analysis/Suitability
G. Social Security Benefits
H. Tax Treatment of Insurance Premiums, Proceeds, and Dividends
V. Types of Health Policies
A. Disability income
B. Accidental death and dismemberment
C. Medical expense insurance
D. Medicare supplement policies
E. Group insurance
F. Individual/Group Long Term Care (LTC)
G. Other policies
VI. Health Policy Provisions, Clauses, and Riders
A. Mandatory and optional provisions
B. Other provisions and clauses
C. Riders
D. Rights of renewability
VII. Social Insurance
A. Medicare (Parts A, B, C, D)
B. Medicaid
C. Social Security Benefits
VIII. Other Insurance Concepts
A. Total, Partial, Recurrent, and Residual Disability
B. Owner’s Rights
C. Dependent Children Benefits
D. Primary and Contingent Beneficiaries
E. Modes of Premium Payments
F. Nonduplication and Coordination of Benefits (e.g., primary vs. excess)
G. Occupational vs. Non-occupational
H. Tax Treatment of Premiums and Proceeds of Insurance Contracts (e.g., disability income and medical expenses, etc.)
I. Managed Care
J. Workers Compensation
K. Subrogation
IX. Field Underwriting Procedures
A. Completing the Application
B. Explaining sources of insurability and HIPAA privacy information (e.g., MIB Report, Fair Credit Reporting Act, etc.)
C. Initial premium payment and receipt and consequences of the receipt (e.g., medical examination, etc.)
D. Submitting application (and initial premium if collected) to company for underwriting
E. Policy Delivery
F. Explaining Policy and its Provisions, Riders, Exclusions, and Ratings to Clients
G. Replacement
H. Contract Law
40 scorable questions, plus 6 pretest questions.
I. Florida Statutes, Rules, and Regulations Common to All Lines
A. Financial Services Regulation
B. Department of Financial Services
C. Office of Insurance Regulation
D. Office of Financial Regulation
E. Definitions
F. Licensing
G. Agent responsibilities
H. Insurance guaranty fund
I. Marketing practices
II. Florida Statutes, Rules, and Regulations Pertinent to Life and Annuity Insurance, Including Variable Products
A. Marketing methods and practices
B. Policy or contract replacement
C. Individual contracts
D. Group Life
III. Florida Statutes, Rules, and Regulations Pertinent to Health Insurance
A. Standard Policy Provisions and Clauses (individual and group)
B. Group Health Insurance
C. Disclosure
D. Medicare Supplement Insurance
E. Long-term Care Policies
F. Requirements for small employers
G. Florida Healthy Kids Corporation
H. Requirements relating to HIV/AIDS
I. Plan Types
J. Dread Disease Policy
We recommend reading our in-depth How to Pass the Life Insurance Exam guide for a better overview.
160 scorable questions, plus 15 pretest questions.
I. Types of Policies
A. Homeowners
B. Dwelling Policies
C. Commercial Lines
D. Inland Marine
E. National Flood Insurance Program
F. Others
II. Property Insurance Terms and Related Concepts
A. Insurance
B. Insurable Interest
C. Risk
D. Hazards
E. Peril
F. Loss
G. Loss Valuation
H. Proximate Cause
I. Deductible
J. Indemnity
K. Limits of Liability
L. Coinsurance/Insurance to Value
M. Occurrence
N. Cancellation
O. Nonrenewal
P. Vacancy and Inoccupancy
Q. Liability
R. Negligence
S. Binders
T. Endorsements
U. Blanket vs. Specific
III. Property Policy Provisions and Contract Law
A. Declarations
B. Insuring Agreement
C. Conditions
D. Exclusions
E. Definition of the Insured
F. Duties of the Insured
G. Obligations of the Insurance Company
H. Mortgagee Rights
I. Proof of Loss
J. Notice of Claim
K. Appraisal
L. Other insurance Provision
M. Subrogation
N. Elements of a contract
O. Warranties, representations, and concealment
P. Sources of underwriting information
Q. Fair Credit Reporting Act
R. Privacy Protection (Gramm Leach Bliley)
S. Policy Application
T. Terrorism Risk Insurance Act (TRIA)
IV. Types of Casualty Policies, Bonds, and Related Terms
A. Commercial general liability
B. Automobile: personal auto and business auto
C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues
D. Crime
E. Bonds
F. Professional liability
G. Umbrella/Excess Liability
V. Casualty Insurance Terms and Related Concepts
A. Risk
B. Hazards
C. Indemnity
D. Insurable interest
E. Loss Valuation
F. Negligence
G. Liability
H. Occurrence
I. Binders
J. Warranties
K. Representations
L. Concealment
M. Deposit Premium/Audit
N. Certificate of Insurance
O. Law of Large Numbers
P. Pure vs. Speculative Risk
Q. Endorsements
R. Damages
S. Compliance with Provisions of Fair Credit Reporting Act
VI. Casualty Policy Provisions
A. Declarations
B. Insuring agreement
C. Conditions
D. Exclusions and Limitations
E. Definition of the Insured
F. Duties of the Insured after a Loss
G. Cancellation and Nonrenewal Provisions
H. Supplementary Payments
I. Proof of Loss
J. Notice of Claim
K. Other Insurance
L. Subrogation
M. Loss Settlement Provisions including Consent to Settle a Loss
N. Terrorism Risk Insurance Act (TRIA)
I. Florida Statutes, Rules and Regulations Common to All Lines
A. Financial Services Regulation
B. Department of Financial Services
C. Office of Insurance Regulation
D. Office of Financial Regulation
E. Definitions
F. Licensing
G. Agent responsibilities
H. Insurance guaranty fund
I. Marketing practices
II. Florida Statutes, Rules and Regulations Pertinent to General Lines Insurance
A. Insurance Contracts
B. Payment of claims
C. Premium Financing
D. Property
E. Citizens Property Insurance Corporation (Citizens)
F. Surplus Lines
G. Auto Insurance
H. Comparative Negligence Law
I. Worker’s Compensation
J. Florida Automobile Joint Underwriting Association (FAJUA)
K. Boiler and Machinery/Equipment breakdown
L. Adjuster practices and conduct
III. Florida Statutes, Rules, and Regulations Pertinent to Health Insurance
A. General Health
B. Disclosure
We recommend reading our Property and Casualty Insurance exam article for a more in-depth overview.
Passing your Florida insurance exam ultimately comes down to your mindset and degree of preparation.
We have composed a few helpful exam tips and tricks that should help you perform as well as you can during your exam day.
Even though this is not a requirement in the state of Florida, getting a pre-license course can be incredibly beneficial. These courses can help you get accustomed to the extensive amount of content that you will have to memorize.
We recommend ExamFX’s course because it offers a variety of helpful features, including:
For more information, we recommend reading our ExamFX Insurance Course Review.
Not leaving enough time to prepare is one of the easiest ways to ensure that you do not pass your exam on your first attempt.
Remember, there are zero questions on your exam that are based on common sense or critical thinking. All questions are purely factual, and so will relate to how well you understand and remember the content that you have learned.
We recommend allocating around one to two weeks to prepare for your exam, as this should allow you to go through all of the material at least twice.
Even though you cannot control whether you get exam anxiety or not, you can take a few steps when preparing to limit its effect on your performance:
For a more in-depth overview of how you can prepare for your Florida insurance exam, we recommend reading our How to Pass the Insurance Exam article.
Your next steps will depend on whether you actually passed your exam, as well as on whether you plan to get licensed for any additional lines.
You can apply for your license up to 12 months after you complete your exam, so if you would like to attempt passing additional insurance line exams before filing your licensing application with the Florida Office of Insurance Regulation, you are totally free to do that.
After you have passed your insurance licensing exam, you will need to:
Have a look at our How to Become an Insurance Agent in Florida review for more information on all the steps that you will need to take after passing your insurance exam.
Mailing Address:
Division of Insurance Agent & Agency Services
Bureau of Licensing, Room 419
200 East Gaines Street
Tallahassee, Florida 32399-0319
Phone: (850) 413-3137
An insurance license is perpetual and does not need to be renewed as long as the licensee is properly appointed. A licensee’s license will expire if the licensee does not have an appointment for 48 consecutive months. Licensees are also required to complete continuing education (CE) training every two years. For more information, see our guide on How to Renew Your Insurance License in Florida.
The length of time for each exam varies from one to three hours, depending on the exam line. The FL Health Agent exam, for example, is 120 minutes long. On the other hand, candidates sitting the General Lines Agent exam have 180 minutes to complete it.
In Florida, you can take an insurance exam a total of five times in any 12 month period.
Each insurance exam in Florida has a different number of questions. The scorable questions for each exam range from 40-160.
Information on this page was researched and gathered from a multitude of sources and was most recently updated on August 28, 2024
Any Information on this site is not guaranteed or warranted to be correct, accurate, or up to date. StateRequirement and its members and affiliates are not responsible for any losses, monetary or otherwise. StateRequirement is not affiliated with any state, government, or licensing body. For more information, please contact your state's authority on insurance.
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