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.
An agent tells a prospect that a term life policy 'always pays double the face amount on accidental death' when no such rider is included in the policy being sold. Under §626.9541(1)(a), this is an example of:
Knowingly misstating a policy's benefits at the point of sale is misrepresentation under §626.9541(1)(a), one of Florida's most foundational UTPs.
Which rider allows a policyowner to purchase additional insurance without evidence of insurability?
A guaranteed insurability rider allows the policyowner to purchase additional coverage at specified ages or events without proving insurability.
Which type of life insurance provides coverage for a specified period and pays a benefit only if the insured dies during that period?
Term life insurance provides pure death benefit protection for a specified period (term).
Which annuity option pays a fixed benefit for the life of the annuitant, with no benefits paid after the annuitant dies?
A straight life annuity pays for the life of the annuitant only.
What is the typical grace period for a life insurance policy?
Most life insurance policies provide a 31-day grace period during which a premium may be paid without policy lapse.
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 many questions are on the FL L&H exam?
The Florida Life & Health licensing exam has 100 scored questions plus a few unscored pretest items. You have 120 minutes to complete it.
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 1,225 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.