Florida Insurance Law & Code
This chapter covers the substantive Florida statutes that protect policyholders and govern agent conduct. It walks through the structure of the Florida Insurance Code, the free-look and other required protections, the Guaranty Association, and the statutory grounds on which DFS may discipline a license. These are the Florida-specific overlays on the national policy rules.
The Florida Insurance Code
Florida's insurance statutes are found primarily in Chapters 624 through 632 of the Florida Statutes, with Chapter 626 focused on agents, adjusters, and market conduct. These chapters define who may transact insurance, what conduct is prohibited, and how the state enforces the rules. Administrative rules in the Florida Administrative Code add detail.
Free Look and Policyholder Protections
Florida requires a free-look (right-to-examine) period of at least 14 days on individual life policies, letting a buyer return the policy for a full refund. Replacement transactions, senior sales, and Medicare supplement policies can carry longer review periods. Florida also mandates disclosures, grace periods, and required policy provisions so consumers understand and can reconsider their purchase.
The Guaranty Association
The Florida Life and Health Insurance Guaranty Association pays certain covered obligations to policyholders when a member insurer becomes insolvent, subject to statutory dollar limits by benefit type. As in other states, agents may not use the existence of the association as an inducement to buy insurance; it is a backstop for insolvencies, not a marketing feature.
Grounds for License Discipline
Florida law sets out grounds on which DFS must or may deny, suspend, or revoke an agent's license, including fraud, misrepresentation, misappropriation of funds, and violations of the insurance code. Understanding that certain violations carry mandatory discipline while others are discretionary helps agents appreciate the seriousness of market-conduct rules.
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State-specific details
State exam facts
- Exam vendor
- Pearson VUE
- Prelicensing education
- 60 hours (combined 2-15 Life, Health & Variable Annuity) or 40 hours per single line
- Passing score
- 70%
Who regulates life & health insurance licensing in Florida?
The Florida Department of Financial Services (DFS), through its Division of Agent and Agency Services, licenses life and health agents. Florida contracts with Pearson VUE to develop and administer the exams.
Does Florida require prelicensing education for the life & health exam?
Yes. Florida requires a state-approved prelicensing course: 60 hours for the combined 2-15 Life, Health & Variable Annuity license, or 40 hours for a single line, before you can sit for the Pearson VUE exam.
How is the Florida life & health exam administered?
The exam is delivered by Pearson VUE, and a minimum score of 70% is required to pass.
Sources: https://myfloridacfo.com/division/agents/licensing/agents-and-adjusters/exams, https://www.pearsonvue.com/us/en/fl/insurance.html
In the Florida Life & Health Insurance Producer Exam guide: A KEY CONCEPT box, a Common Traps list and a Check Yourself set closing each of the 9 national chapters. Practice here stays free.