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How to Pass Your Florida 2-15 Insurance License (Health, Life & Annuities)

Passing the Florida 2-15 Health, Life & Annuities Insurance License exam is a major step toward a career in insurance, financial services, or wealth management. While the exam is very doable, it requires structure, repetition, and the right strategy—not just casual studying.

This guide walks you through exactly how to pass the Florida 2-15 exam on your first attempt, including study strategy, key topics, common mistakes, and test-day tactics. I passed this exam recently and I consider myself to be something of a licensing guru

What Is the Florida 2-15 Insurance License?

The Florida 2-15 license authorizes you to sell:

Life insurance
Health insurance
Annuities (fixed, variable, indexed)
Long-term care insurance

It is required for:

Insurance agents
Financial advisors
Customer service and support roles in insurance
Anyone selling life or health products in Florida

The exam is administered by Pearson VUE and regulated by the Florida Department of Financial Services (DFS).

Exam Overview: What You’re Up Against

Before studying, understand the battlefield.

Florida 2-15 Exam Details

Number of questions: 100 scored questions (plus possible unscored pretest questions)
Time limit: 2 hours
Passing score: 70%
Format: Multiple choice
Cost: ~$44 per attempt

The exam tests both insurance knowledge and Florida-specific law, which is where many candidates struggle.

Step 1: Complete the Required Pre-Licensing Education

Florida requires 60 hours of approved pre-licensing education before you can sit for the exam.

Approved Course Providers

Look for providers that offer:

State-specific content
Practice exams
Clear explanations (not just slides)

Many candidates fail because they rush this step. Don’t. The pre-licensing course is not just a checkbox—it’s your foundation.

Pro tip: Take notes during the course. Writing reinforces memory and gives you quick review material later.

Step 2: Understand the Exam Content Breakdown

Knowing what matters most saves you time.

Major Exam Topics

Life insurance fundamentals
Health insurance policies
Annuities
Florida insurance law and regulations
Policy provisions, riders, exclusions
Underwriting concepts
Tax treatment of insurance products
Ethics and consumer protection

Heavily Tested Areas (High Priority)

Florida insurance law
Policy provisions and riders
Annuities
Health insurance types (HMO, PPO, Medicare, Medicaid)

If you master these, you’re already ahead of most test-takers.

Step 3: Use a Two-Phase Study Strategy (This Matters)

Most people study inefficiently. Here’s the structure that works.

Phase 1: Learn (Comprehension Phase)

Read or watch all material once
Don’t memorize yet
Focus on understanding concepts

Ask yourself:

“If I had to explain this to someone else, could I?”

If not, revisit it.

Phase 2: Drill (Exam Phase)

This is where passes are made.

Practice questions daily
Review why answers are wrong
Track weak areas
Re-read Florida law sections repeatedly

Do not just rewatch videos endlessly. Exams are about recognition under pressure.

Step 4: Master Florida-Specific Law (The Silent Killer)

Many candidates underestimate this section.

Florida Law Topics to Know Cold

Licensing requirements
Appointment and termination
Unfair trade practices
Rebating rules
Replacement regulations
Free-look periods
Policy delivery requirements
Advertising regulations

These questions are often:

Highly specific
Poorly worded
Designed to trap skimmers

Flashcards work extremely well here.

Step 5: Learn How the Exam Asks Questions

The Florida 2-15 exam tests application, not trivia.

Common Question Styles

“Which of the following is TRUE?”
“All of the following EXCEPT…”
“The BEST answer is…”

Strategy

Read the question slowly
Eliminate obviously wrong answers
Watch for absolutes (“always,” “never”)
Choose the most complete answer, not just a correct one

Step 6: Common Mistakes That Cause Failure

Avoid these and your odds improve dramatically.

❌ Studying Only Once

You need multiple passes through the material.

❌ Ignoring State Law

This alone causes many failures.

❌ Memorizing Without Understanding

The exam will rephrase concepts.

❌ Overconfidence

Many people fail by a few points because they stop reviewing too early.

Step 7: Final Week Study Plan

Here’s a simple 7-day plan that works.

Days 1–3

Full practice exams
Review weak areas
Re-read Florida law

Days 4–5

Targeted drilling
Flashcards
Policy provisions and riders

Day 6

Light review only
No cramming
Sleep well

Day 7 (Exam Day)

Eat
Hydrate
Arrive early
Stay calm

Test-Day Tips That Actually Matter

You don’t need 100%—you need 70%
Skip hard questions and return later
Trust your first instinct unless you know it’s wrong
Don’t rush; you have plenty of time

If you don’t know an answer, eliminate and guess. Unanswered questions are always wrong.

What Happens After You Pass?

Once you pass:

Apply for your license through Florida DFS
Get appointed by an insurance company
Complete continuing education as required

Your 2-15 license opens doors to:

Insurance sales
Financial planning support roles
Wealth management firms
Compliance and operations roles

Final Thoughts: Passing Is About Process, Not Intelligence

The Florida 2-15 exam is not about being smart. It’s about:

Following a system
Repetition
Understanding how exams work

Thousands pass every year—and many of them studied less efficiently than you now can.

If you commit to a structured plan and respect Florida law content, you will pass.

Sources

Disclaimer

The opinions expressed in this article are solely those of InflationHedging.com and its authors. This content is for informational purposes only and should not be construed as financial, tax, or legal advice. Always consult a qualified CPA, tax professional, or financial advisor regarding your specific situation. Some links on this site may generate affiliate commissions, which help support the operation and growth of the website.

How to Pass Your Florida 2-15 Insurance License