US Florida insurance license exam
Florida insurance license exam: format, scoring and results.
A Florida-specific summary for the Health & Life (including Annuities & Variable Contracts), Life, Health, General Lines and Personal Lines exams, using only the Florida Department of Financial Services and Pearson VUE documents linked below.
Format
Scored questions and time limits
- Health & Life (including Annuities & Variable Contracts): 150 scored plus 15 pretest; 2.75 hours.
- Life (including Annuities & Variable Contracts): 85 scored plus 10 pretest; 2 hours.
- General Lines: 160 scored plus 15 pretest; 3 hours.
- Personal Lines: 100 scored plus 8 pretest; 2 hours.
Scoring and rules
70% passing score, one-year validity, five attempts.
The handbook says the passing score is 70%, computed from correct answers divided by total questions. DFS says a passing score is valid for one year and limits candidates to five attempts for the same exam type in 12 months. Change or cancel at least 48 hours ahead or forfeit the fee.
Application costs
Application and identification fees
The 2024 candidate handbook lists a $50 application fee and a $5 license identification fee, plus fingerprints where applicable. Exam fees are paid to Pearson VUE at booking; confirm the current amount there.
2024 results
Pass rates ranged from 47.1% to 55.8%.
- Health & Life: 30,883 candidates; 51.7% passed.
- Life: 15,413 candidates; 49.2% passed.
- Health: 9,276 candidates; 47.1% passed.
- General Lines: 6,454 candidates; 49.2% passed.
- Personal Lines: 5,680 candidates; 55.8% passed.
FAQ
Quick answers
What is the passing score for the Florida insurance exam?
Florida's Pearson VUE candidate handbook says the passing score for all examinations is 70%, computed from questions answered correctly divided by total examination questions.
How many questions are on the Florida health and life insurance exam?
The outline effective January 1, 2026 lists 150 scored questions plus 15 pretest questions with a 2.75-hour time limit.
Keep going
Related free guides and practice
- How hard is the insurance license exam? — official pass-rate reports from Texas and Florida
- How long is the insurance license exam? — time limits, scored items and passing scores
- How to get your insurance license — the steps, in order, with state examples
- Property and casualty insurance exam — pass rates and format, plus 100 practice questions