Florida Life & Health Insurance Practice Test 2026
Practice the exam Florida uses, from general life & health knowledge to Florida's own insurance law. Every answer quotes the statute behind it.
General Insurance & Contract Law, Life Insurance Policies & Provisions, Annuity Products & Federal Taxation and Accident & Health Insurance, plus Florida's own insurance law.
150 scored questions, 2 hours 45 minutes allowed, 70% to pass.
Last verified September 2026 · Insurance Examination Content Outlines
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About the Florida Life & Health exam
The Life & Health exam licenses you to sell life insurance, annuities, and accident and health coverage. Every state writes its own version, and each one tests both general insurance knowledge and that state's insurance law.
What it covers
- Life insurance policy types, provisions and riders
- Annuities and how they are taxed
- Accident and health insurance, including HMOs and managed care
- Your state's producer licensing, marketing and unfair trade practice rules
Who takes it
New agents and career changers getting a first producer license, and agents adding life and health to an existing license.
What is on the Florida Life & Health test
Florida's published content outline, with the weight it gives each topic. Which parts you take depends on the license you are applying for.
- Types of Policies and Features
- Policy Riders, Provisions, Options, and Exclusions
- Completing the Application, Underwriting, and Delivering the Polices
- Retirement and Other Insurance Concepts
- Florida Statutes, Rules, and Regulations Common to All Lines
- Florida Statutes, Rules, and Regulations Pertinent to Life and Annuity Insurance, Including Variable Products
Florida does not publish topic weights for this part.
- Types of Policies19%
- Policy Provisions, Clauses, and Riders18%
- Social Insurance7%
- Other Insurance Concepts6%
- Field Underwriting Procedures9%
- Florida Statutes, Rules, and Regulations Common to All Lines23%
- Florida Statutes, Rules, and Regulations Pertinent to Health Insurance18%
- Types of Life Policies and Features10%
- Life Policy Riders, Provisions, Options, and Exclusions10%
- Completing the Life Application, Underwriting, and Delivering the Polices8%
- Retirement, and Other Life Insurance Concepts5%
- Types of Health Policies11%
- Health Policy Provisions, Clauses, and Riders10%
- Social Insurance4%
- Other Health Insurance Concepts4%
- Field Underwriting Procedures5%
- Florida Statutes, Rules, and Regulations Common to All Lines13%
- Florida Statutes, Rules, and Regulations Pertinent to Life and Annuity Insurance, Including Variable Products10%
- Florida Statutes, Rules, and Regulations Pertinent to Health Insurance10%
Source: Florida Insurance Examination Content Outlines, Effective January 1, 2026. Each exam is one weighted set expressed in percent of the exam, running across a GENERAL KNOWLEDGE part and a FLORIDA STATUTES, RULES, AND REGULATIONS part whose area numbering restarts at I; the statutes-part areas are therefore coded FSRR.I, FSRR.II, ... to keep codes unique, and the general-knowledge codes are the outline's own. The Agent's Life exam is recorded weightless because two of its published area weights are fractional (17.5%) and the schema's weightPercent is an integer; Florida prints them as I 17.5%, II 17.5%, III 14%, IV 9%, FSRR.I 24%, FSRR.II 18%. (Florida Insurance Examination Content Outlines). Confirm current weights with the testing company before you book.
What to bring to the Florida exam
Florida official sources
- License and appointment requiredFlorida Statutes s. 626.112 · Florida Legislature (flsenate.gov)
- Continuing education requirementsFlorida Statutes s. 626.2815 · Florida Legislature (flsenate.gov)
- Grounds for compulsory refusal, suspension, or revocation of licenseFlorida Statutes s. 626.611 · Florida Legislature (flsenate.gov)
- Grounds for discretionary refusal, suspension, or revocation of licenseFlorida Statutes s. 626.621 · Florida Legislature (flsenate.gov)
- Duration of suspension or revocation of licenseFlorida Statutes s. 626.641 · Florida Legislature (flsenate.gov)
- Managing general agents; required contract provisionsFlorida Statutes s. 626.7451 · Florida Legislature (flsenate.gov)
- Unfair methods of competition; prohibited; penaltiesFlorida Statutes s. 626.9521 · Florida Legislature (flsenate.gov)
- Identification of insurers, agents, and insurance contractsFla. Stat. s. 626.9531 · Florida Legislature (flsenate.gov)
All Florida insurance laws and exam sources
Provisions these questions cite most
Every answer quotes the provision it tests. These are the Florida provisions the questions on this page cite most often.
- Fla. Stat. § 641.31 · Emergency Services Statement12 questions
- Fla. Stat. § 626.9541 · Churning11 questions
- Fla. Stat. § 627.476 · Standard Nonforfeiture Law for Life Insurance10 questions
- Fla. Stat. § 626.99 · Disclosure Requirements6 questions
- Fla. Stat. § 627.6675 · Conversion on Termination of Eligibility6 questions
- Fla. Stat. § 626.112 · License and Appointment Required5 questions
- Fla. Stat. § 626.2815 · Continuing Education Requirements5 questions
- Fla. Stat. § 626.611 · Compulsory Grounds3 questions
Exam figures on this page were checked against official pages: Testing company · License fee · Pre-licensing. Confirm anything you rely on with the testing company and the Florida Department of Insurance.