Florida Agent’s Health & Life (including Annuities & Variable Contracts) Examination — Licence Type and Class 2-15 (Pearson VUE 0215) — exam facts

DFS states that Florida insurance exams can now be booked only at a physical test centre: OnVUE online proctoring is no longer available for new reservations. Before the licence is issued, Florida Statutes 626.7851 and 626.8311 require department-approved pre-licensing coursework completed within the 4 years before applying, each including 3 hours of ethics — for example a 60-hour multi-line course that covers life, annuities and variable contracts, and health — unless an exemption applies (such as certain professional designations, or members and veterans of the US Armed Forces and their spouses).

Source: Florida Department of Financial Services — Examinations (Agent and Agency Services) (2026-09-22)

One combined exam. The outline in force since January 1, 2026 gives 150 scored plus 15 pretest questions; pretest questions are mixed in, not identified, and do not affect the score. The Florida statutes, rules and regulations sections carry 13% (common to all lines), 10% (life and annuities, including variable products) and 10% (health); the other sections cover general knowledge of life and health insurance.

Source: Florida Department of Financial Services / Pearson VUE — Florida Insurance Examination Content Outlines (effective January 1, 2026, #121003) (2026-09-22)

The handbook lists 2 hours, 45 minutes for this exam and the 2026 outline states 2.75 hours; both equal 165 minutes. Candidates approved for English as a Second Language (ESL) can request additional time.

Source: Pearson VUE — Florida Insurance Licensing Candidate Handbook (2024, #121000) (2026-09-22)

The handbook states the passing score for all Florida insurance exams is 70%, computed from the number of questions answered correctly; it also states pretest questions do not affect the score. A failed candidate rebooks and pays a new fee through Pearson VUE, with a limit of 5 attempts at the same exam in a 12-month period. A passing score is valid for 1 year to complete licensing.

Source: Pearson VUE — Florida Insurance Licensing Candidate Handbook (2024, #121000) (2026-09-22)

• $44 — Examination fee (Pearson VUE, per attempt) Source
• $50 — Licence application fee (Florida Department of Financial Services, one-time) Source
• $5 — Licence ID fee (Florida Department of Financial Services, one-time) Source
• $49.50 — Fingerprinting (local county sales tax may apply) (Idemia (fingerprinting vendor), one-time) Source

The handbook (2024) and the DFS fee page agree on the $44 exam fee (in effect since October 1, 2018), the $50 application fee and the $5 licence ID fee. The DFS fee page breaks the $49.50 fingerprint fee into $24.00 for FDLE, $12.00 for the FBI and $13.50 for Idemia. DFS waives the application fee for members and honourably discharged veterans of the US Armed Forces and their spouses. The handbook states that a candidate who fails must pay another fee to retake the exam.

Source: Florida Department of Financial Services — Fees & Payment Methods (Agents and Adjusters) (2026-09-22)

The handbook's exam list carries an English form (InsFL-LHA05) and a Spanish form (InsFL-LHA05S) of this exam. Candidates whose first language is not English may request extra time with the ESL Request Form, and word-for-word translation dictionaries are permitted.

Source: Pearson VUE — Florida Insurance Licensing Candidate Handbook (2024, #121000) (2026-09-22)