Florida Life & Health Insurance Exam — Practice Test & Study Guide
Sell life, accident & health insurance products. Covers policy provisions, riders, annuities, medical expense and disability coverage, plus state-specific regulations.
Exam content outline
From the official FL DFS L&H content outline. Mock exams sample at these weights.
| Section | Weight | ≈ Questions |
|---|---|---|
| General Insurance Concepts | 6% | 6 |
| Insurance Contracts | 6% | 6 |
| Life Insurance Basics | 12% | 12 |
| Life Policy Provisions | 10% | 10 |
| Life Riders and Options | 6% | 6 |
| Annuities | 8% | 8 |
| Health Insurance Basics | 10% | 10 |
| Health Policy Provisions | 10% | 10 |
| Disability Income | 6% | 6 |
| Medical Expense Insurance | 6% | 6 |
| Group Insurance | 4% | 4 |
| Federal Regulations | 4% | 4 |
| Florida State Regulations | 10% | 10 |
| Unfair Trade Practices | 2% | 2 |
Sample questions
Items from our L&H bank, aligned to the FL FL DFS outline — see the difficulty and explanation depth.
The Chief Financial Officer (CFO) of Florida heads which regulatory body that oversees agent licensing and insurance fraud investigations?
Florida's elected Chief Financial Officer heads the Department of Financial Services, which licenses agents and investigates insurance fraud.
Agent Walsh receives her Florida 2-15 license on April 1. An insurer submits her appointment paperwork on April 3, but the appointment is not processed and effective until April 15. Agent Walsh writes a life policy for a client on April 10. Which is accurate?
§626.112 requires both a valid license and an effective appointment before an agent may transact insurance; acting before the appointment is processed is a violation.
An agent licensed under a Florida 2-40 license wants to sell a whole life policy to a client. What must the agent do first?
A 2-40 is a health-only license; the agent must obtain a license with life authority, such as a 2-18 or 2-15, to sell life insurance.
An insurer receives a life insurance application but changes the coverage amount before issuing the policy. What is the legal effect of this change?
When an insurer issues a policy that differs from the application, the policy is a counter-offer the applicant must accept before a contract exists.
The Florida Department of Financial Services sends a licensed agent a written inquiry regarding a consumer complaint. The agent does not respond. Under Florida's agent responsibility rules, the failure to reply to DFS may constitute grounds for which action?
Failing to respond to a DFS inquiry is a basis for discretionary or compulsory suspension or revocation of a Florida agent's license.
Florida state law module
State-specific laws and regulations make up 10–20% of the FL L&H exam. Our markdown-based state-law module walks through what FL DFS actually tests.
Read FL L&H state lawFlorida L&H Exam FAQ
How long is the FL L&H exam?
Florida Department of Financial Services allows 165 minutes for the Florida Life & Health exam, and the passing score is 70%. The state does not publish a scored-question count. Our mock exam runs 100 questions in 120 minutes.
What's the passing score for FL L&H?
70% is the passing score in Florida, calculated against the scored question count. FL DFS reports results immediately at the test center.
How long should I study for the FL L&H exam?
Most L&H candidates spend 40–80 hours over 3–6 weeks. Start with the free diagnostic — it’ll tell you which sections to focus on instead of cramming the whole outline evenly.
Where do I take the Florida L&H exam?
FL DFS contracts with major proctored-exam vendors. Check the Florida Department of Financial Services website for an up-to-date list of test centers in Florida.
Are these practice questions matched to the FL outline?
Yes — we follow the FL DFS content outline section by section, and our FL L&H bank includes 1,185 state-tagged items alongside the national NAIC content. Mock exams are composed from real section weights, not a generic question dump.
How much does EstatePass cost? Do I need a separate plan for L&H?
No — one EstatePass Pro plan covers Real Estate, Insurance License (L&H / P&C / Personal Lines), MLO, and Contractor exam prep. Free tier includes 20 practice answers/day and the diagnostic. Pro is $9.99/mo, $19.99/quarter, or $39.99 Lifetime — unlimited practice, mock exams, AI tier-3 explanations, and every channel.