The headline result
More than half of the reported candidates did not pass. That figure is strong enough to justify serious preparation without exaggerating it or inventing a national ranking.
| 2025 Florida Health & Life result | Official figure |
|---|---|
| Candidates | 33,218 |
| Candidates without a passing score | 17,504 |
| Non-pass rate | 52.7% |
The report's group differences
| Reported group | Non-pass rate |
|---|---|
| Native English | 51% |
| Native Spanish | 58% |
| Hispanic | 57.4% |
| African American | 63.2% |
| White | 44% |
| High-school diploma or GED | 64.2% |
| Four-year degree | 40.6% |
| Men / women | 55.9% / 50.2% |
What the data can and cannot tell you
The data can identify where outcomes differ and where preparation may need to become more accessible. They cannot prove that language, ethnicity, education or gender caused a result, and they cannot predict an individual candidate's performance.
Native language, exam language and ethnicity are different variables. Combining them into one headline would be statistically misleading.
How the learning design should respond
- Provide a complete Spanish learning path rather than an English course with scattered translated terms.
- Teach insurance concepts before testing close distractors.
- Give Florida-specific law enough depth to avoid constant repetition.
- Use diagnostics and error history to personalize review without making demographic assumptions.
- Prove readiness with full-format simulations, not confidence alone.
The cost of an avoidable retake
A failed attempt means another examination fee, another appointment and more time before a license can begin producing income. Florida also limits the same examination type to five attempts within a rolling 12-month period.
The rational target is not merely to finish a course. It is to reach a stable practice score under the real question count and time limit before using one of those attempts.
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.
- 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.
- Pearson VUE / Florida DFS: Florida Insurance Content OutlinesCurrent Florida examination outline, including scored and pretest question counts and time limits.