What the Florida 2-15 license covers
The resident 2-15 license is Florida's combined Health & Life license, including annuities and variable contracts. It is broader than a life-only or health-only authority, which is why the examination draws from both product families and Florida-specific law.
Passing the examination does not by itself issue a license. Florida DFS still reviews the application, prerequisite education, fingerprints and background requirements.
Current examination format
| Official item | Florida 2-15 |
|---|---|
| Scored questions | 150 |
| Unscored pretest questions | 15 |
| Total delivered | 165 |
| Time limit | 2 hours 45 minutes |
| Exam languages | English and Spanish |
| Exam fee listed in the handbook | $44 |
The licensing path before and after the exam
The old 200-hour statement found in some third-party material is not the current standard shown in the Florida 2-15 qualification document. The official document lists a 60-hour approved course for this route.
- Complete a 60-hour Florida-approved life and health course, or qualify through one of the official alternatives listed by DFS.
- Submit the state application and complete the fingerprint/background process.
- Receive authorization and schedule the examination with Pearson VUE.
- Pass the examination and complete any remaining licensing requirements in MyProfile.
- Apply within the validity period stated by Florida DFS; a passed exam does not remain usable forever.
What you have to know
Use the current Pearson VUE content outline as your checklist. A generic national question bank cannot show whether you have covered the Florida sections in the proportions and detail expected by the state outline.
- Life policies, provisions, riders, underwriting and policy delivery.
- Health products, disability income, long-term care, group coverage and social insurance.
- Annuities, variable contracts and retirement concepts.
- Florida licensing, market conduct, life, annuity and health rules.
Why structured preparation matters
Florida's 2025 annual report says 33,218 candidates took the Health & Life examination and 17,504 did not pass, a non-pass rate of about 52.7 percent. The report also identifies wide group differences, but it does not establish their causes.
The practical lesson is simple: diagnose weak chapters early, train the full time limit and study Florida law deliberately. Do not interpret a prelicensing certificate as proof that you are exam-ready.
A responsible study sequence
CertiAcademy's Florida program is available with more than 1,300 learning questions, including 500 Florida-specific questions, in English and Spanish. The 30-question diagnostic is free and creates no purchase obligation.
- Take a diagnostic across every official domain.
- Build product fundamentals before memorizing isolated numbers.
- Give Florida statutes and rules their own study blocks.
- Review every wrong answer and record the rule you missed.
- Complete multiple full-length, timed simulations before scheduling your attempt.
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 results and voluntary demographic reporting for Florida insurance examinations.
- Pearson VUE / Florida DFS: Florida Insurance Content OutlinesCurrent Florida examination outline, including scored and pretest question counts and time limits.
- Pearson VUE / Florida DFS: Florida Insurance Licensing Candidate HandbookOfficial scheduling, identification and examination-fee information.
- Florida Department of Financial Services: 2-15 Resident Health & Life Agent LicenseOfficial 2-15 qualification path, including the 60-hour approved-course prerequisite and application steps.
- Florida Department of Financial Services: Insurance Licensing Frequently Asked QuestionsOfficial rule limiting one license examination type to five attempts in a rolling 12-month period.