You are not alone
Florida's 2025 report says the Health & Life examination was administered to 33,218 candidates. Of those results, 15,714 passed and 17,504 did not — a calculated non-pass rate of about 52.7 percent.
That statistic does not predict your next result. It does show that another attempt deserves a measured change in preparation, not shame or guesswork.
The official retake rules
| Rule | What the official sources say |
|---|---|
| New appointment | Schedule again through Pearson VUE, subject to availability and the attempt limit |
| Fee | $44 for each new attempt |
| Attempt limit | No more than 5 of the same exam type in a rolling 12-month period |
| After the limit | Wait until the rolling window contains fewer than 5 attempts |
Use the score report and free review
Your score report does not reveal the answer key, but it does include a numeric score and diagnostic information. Use that information to rank the domains that need work.
Pearson VUE also permits one free review of the most recent failed examination if requested and completed within 90 days. The review does not provide the answer key or pretest questions, but it can give you a more concrete basis for rebuilding your plan.
Possible causes to investigate — not assumptions
- Florida-law gap: the current outline assigns substantial weight to Florida statutes and rules.
- Concept gap: definitions were memorized without learning how similar products and provisions differ.
- Timing gap: practice never reproduced 150 scored questions within the 165-minute official limit.
- Reading gap: qualifiers such as except, only, most or least were missed under pressure.
- Course-to-exam gap: completing prelicensing satisfied a requirement but did not, by itself, demonstrate readiness; course formats vary.
A 14-day rebuild plan
This is a CertiAcademy study framework, not a state rule. A practice score cannot guarantee an official result. Use repeated, timed results and domain balance as evidence for your scheduling decision.
| Days | Focus |
|---|---|
| 1 | Read the diagnostic report and map weak areas to the official outline |
| 2-4 | Relearn the two weakest domains; explain each rule in your own words |
| 5-6 | Target Florida law and review every wrong answer |
| 7 | Complete the first timed scored-question simulation |
| 8-10 | Repair persistent gaps with mixed and targeted practice |
| 11 | Complete a second timed simulation |
| 12 | Review only repeated errors and their controlling rules |
| 13 | Complete a final timed simulation |
| 14 | Light review; reschedule only if results are stable |
When to schedule another attempt
- Your two most recent timed simulations are consistently above the official passing score.
- No heavily weighted official domain remains dramatically weaker than the others.
- You can explain recurring errors instead of merely recognizing the correct option.
- An appointment is available and the attempt remains within Florida's five-attempt rule.
The real consequence of another attempt
Every new attempt adds $44. It may also delay licensing and potential earnings, but no responsible article can assign a universal number of lost weeks or dollars. Appointment availability, employment plans and individual circumstances differ.
Use each attempt as a measured licensing decision. The goal is demonstrable improvement, not simply a faster return to the testing center.
Official sources and further reading
Facts and requirements were checked against the linked primary sources on the article's publication date. Licensing authorities and testing providers remain controlling.
- Florida Department of Financial Services: 2025 Annual Report of Florida Insurance ExaminationsOfficial 2025 Florida examination results and voluntarily reported demographic information.
- Pearson VUE / Florida DFS: Florida Insurance Licensing Candidate HandbookOfficial examination fees, passing score, score reports, exam review and retake information.
- Florida Department of Financial Services: Insurance Licensing Frequently Asked QuestionsOfficial reexamination guidance and the five-attempt limit in a rolling 12-month period.
- Pearson VUE / Florida DFS: Florida Insurance Content OutlinesCurrent Florida outline, including scored and pretest question counts, time limits and content weighting.