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.
Under a typical waiver of premium rider, how long must the insured be totally disabled before the insurer waives premium payments?
The waiver of premium rider typically requires 6 months of continuous total disability before the insurer begins waiving premiums.
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.
After 18 months of COBRA continuation, a 44-year-old covered individual exhausts her COBRA eligibility. She has no other group coverage available. Which of the following correctly describes her remaining rights under standard group life and group health rules?
At COBRA exhaustion, the individual may convert group health to individual and group life to individual permanent coverage — both without evidence of insurability.
Jorge has a POS (Point of Service) plan. In-network with a PCP referral: plan pays 90%, $20 copay. Out-of-network without a referral: plan pays 60% after a $300 deductible (already met). He needs a dermatologist visit billed at $400. If he gets a referral and uses an in-network dermatologist, he pays $___. If he self-refers to an out-of-network dermatologist with the same $400 bill, he pays $___.
In-network with referral: Jorge pays only the $20 copay; out-of-network without referral: plan pays 60% of $400 ($240), Jorge pays 40% = $160.
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.