Florida Life & Health Insurance pass rate & how retakes work
PrepPass has not verified whether Florida Department of Financial Services (DFS) publishes a pass rate for the Florida Life & Health Insurance exam, so we are not going to give you a percentage. Some exam authorities publish pass rates in annual or sunset-review reports rather than on their exam pages, and others genuinely publish none — until we have read the authority's own documents for this exam, we would only be guessing which it is. What we can tell you is that any exact "Florida Life & Health Insurance pass rate" figure you find on a prep site that does not cite an authority document is an unofficial estimate. Ask what it cites. The passing standard is a different thing from a pass rate, and for this exam it is published: 70%. Confirm it on Florida Department of Financial Services (DFS) before you rely on it.
The best way to pass on the first try
Retakes cost time and, often, another exam fee — so the goal is to pass the first time. The most reliable way is to practice real questions until you consistently clear the standard you need. PrepPass has 411+ free Florida Life & Health Insurance practice questions with answer explanations and a full timed mock exam — no signup required.
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.
Is there a published Florida Life & Health Insurance pass rate?
We don't know, and we would rather say so than guess. PrepPass has not yet read Florida Department of Financial Services (DFS)'s own publications for this exam, so we cannot tell you either that a pass rate exists or that one does not. Both claims are claims about the authority, and both need a source.
This matters more than it sounds. Pass rates often sit somewhere other than the exam page — in an annual report, a legislative sunset review, or a statistics dashboard. California's contractor board, for one, publishes its Law & Business pass rate in a report to the Legislature and nowhere else, which is why almost no prep site has it. So the absence of a figure on the registration page is not evidence that none is published.
Until we have checked, treat any exact "Florida Life & Health Insurancepass rate" percentage you find online as an unofficial estimate unless it links to an authority document you can open yourself.
Start here — the exam authority itself: Florida Department of Financial Services (DFS) →
Florida Life & Health Insurance facts
How many times can you retake the Florida Life & Health Insurance exam?
There is generally no fixed lifetime cap. Here is how retakes work:
- If you don't pass, you can retake the exam. Each attempt generally requires registering (and paying any exam fee) again.
- The exam authority sets the retake policy, including any required waiting period between attempts. Confirm the exact wait on the official site before you rebook.
- You can prepare between attempts with unlimited free practice — PrepPass has 411+ free Florida Life & Health Insurance practice questions with explanations.
Want the full picture of the difficulty and the content areas?
See how hard the Florida Life & Health Insurance exam is →Frequently asked questions
What is the Florida Life & Health Insurance pass rate?+
PrepPass has not verified whether Florida Department of Financial Services (DFS) publishes one, so we do not state a figure. Any exact percentage you see on a prep site that does not cite an authority document is an unofficial estimate rather than a number from the exam authority.
What score do you need to pass the Florida Life & Health Insurance exam?+
The published passing standard is 70%. That is the authority's figure, not ours, and it is a passing SCORE — the bar you personally have to clear — not a pass RATE. Confirm it on Florida Department of Financial Services (DFS) before you rely on it.
What happens if you fail the Florida Life & Health Insurance exam?+
You can retake it. The authority may require a waiting period between attempts, so check the official page for the current rule. Working through practice questions until you consistently clear the standard you need is the most reliable way to do better next time.
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.
Scoring and retake rules — confirm on the official authority:
Florida Department of Financial Services (DFS) →https://myfloridacfo.com/division/agents/licensing/agents-and-adjusters/exams →https://www.pearsonvue.com/us/en/fl/insurance.html →Last updated: September 2026