Passing your Florida insurance license exam is a pivotal part of becoming a licensed insurance agent in the state of Florida.

In this guide, we’ll break down the general information that you need to know in order to pass your exam, outline the differences between each examination line, and offer tips on both: how to prepare for your Florida insurance licensing exam, and on what to do after you pass.

Florida Insurance Exam Basics

General Information

The State of Florida uses Pearson VUE to administer its insurance agent licensing. This means you can register and book all of your licensing examinations through the Pearson VUE website. Your test can be carried out online or in person.

Each major insurance line examination is made up of bullet-point questions and includes both general and state-specific material.

The general questions test your federal insurance product and agent knowledge, whereas the state-specific questions test you on the Florida insurance regulations and laws that you will need to know in order to operate as an insurance agent.

Note: You are only allowed one online attempt per exam. All other exam attempts (limitless) will have to be taken in person at a Pearson VUE testing center.

Score Explanation

Upon completing your insurance exam, you will see a “pass” or “fail” mark.

Candidates that pass will receive a score report with a numerical score, as well as diagnostic information relating to their exam.

Candidates that fail will receive the same score report, but will also receive additional information relating to the process of reexamination.

Note: The passing score for all Florida insurance exams is 70%. This is calculated by dividing the number of questions answered correctly by the total number of questions.

Cost

Your Florida insurance license exam cost will depend on the number of examinations that you take:

Examination	Cost	Time Allowed
FLA General Lines Agent	$42	180 Minutes
FLA Health and Life and Annuity Agent	$42	165 Minutes
FLA Heath Agent	$42	120 Minutes
FLA Life and Annuity	$42	120 Minutes

Note: You should focus on one exam at a time. This will likely increase the amount of time and effort you can allocate to each examination and should allow you to feel more prepared when you sit your exam.

Florida Life and Health Insurance Exam

Below you can find the content outline offered by Pearson VUE.

We recommend using it as a checklist when working through your pre-license education course. This way, you’ll be absolutely sure that you haven’t missed any topic that you will be tested on later on.

Florida Agent’s Health & Life General Content Outline

150 scorable questions plus 15 pretest questions.

I. Types of Life Policies and Features

A. Traditional whole life products
B. Interest/market-sensitive/adjustable life products
C. Term life
D. Annuities
E. Combination plans and variations

II. Life Policy Riders, Provisions, Options, and Exclusions

A. Policy Riders
B. Policy Provisions and Options
C. Policy Exclusions

III. Completing the Life Application, Underwriting, and Delivering the Policies

A. Completing the Application
B. Underwriting
C. Delivering the Policy
D. Contract Law

IV. Taxes, Retirement and Other Life Insurance Concepts

A. Third-Party Ownership
B. Viatical Settlements
C. Life Settlements
D. Group Life Insurance
E. Retirement Plans
F. Life Insurance Needs Analysis/Suitability
G. Social Security Benefits
H. Tax Treatment of Insurance Premiums, Proceeds, and Dividends

V. Types of Health Policies

A. Disability income
B. Accidental death and dismemberment
C. Medical expense insurance
D. Medicare supplement policies
E. Group insurance
F. Individual/Group Long Term Care (LTC)
G. Other policies

VI. Health Policy Provisions, Clauses, and Riders

A. Mandatory and optional provisions
B. Other provisions and clauses
C. Riders
D. Rights of renewability

VII. Social Insurance

A. Medicare (Parts A, B, C, D)
B. Medicaid
C. Social Security Benefits

VIII. Other Insurance Concepts

A. Total, Partial, Recurrent, and Residual Disability
B. Owner’s Rights
C. Dependent Children Benefits
D. Primary and Contingent Beneficiaries
E. Modes of Premium Payments
F. Nonduplication and Coordination of Benefits (e.g., primary vs. excess)
G. Occupational vs. Non-occupational
H. Tax Treatment of Premiums and Proceeds of Insurance Contracts (e.g., disability income and medical expenses, etc.)
I. Managed Care
J. Workers Compensation
K. Subrogation

IX. Field Underwriting Procedures

A. Completing the Application
B. Explaining sources of insurability and HIPAA privacy information (e.g., MIB Report, Fair Credit Reporting Act, etc.)
C. Initial premium payment and receipt and consequences of the receipt (e.g., medical examination, etc.)
D. Submitting application (and initial premium if collected) to company for underwriting
E. Policy Delivery
F. Explaining Policy and its Provisions, Riders, Exclusions, and Ratings to Clients
G. Replacement
H. Contract Law

Health and Life Florida Specific Content Outline

40 scorable questions, plus 6 pretest questions.

I. Florida Statutes, Rules, and Regulations Common to All Lines

A. Financial Services Regulation
B. Department of Financial Services
C. Office of Insurance Regulation
D. Office of Financial Regulation
E. Definitions
F. Licensing
G. Agent responsibilities
H. Insurance guaranty fund
I. Marketing practices

II. Florida Statutes, Rules, and Regulations Pertinent to Life and Annuity Insurance, Including Variable Products

A. Marketing methods and practices
B. Policy or contract replacement
C. Individual contracts
D. Group Life

III. Florida Statutes, Rules, and Regulations Pertinent to Health Insurance

A. Standard Policy Provisions and Clauses (individual and group)
B. Group Health Insurance
C. Disclosure
D. Medicare Supplement Insurance
E. Long-term Care Policies
F. Requirements for small employers
G. Florida Healthy Kids Corporation
H. Requirements relating to HIV/AIDS
I. Plan Types
J. Dread Disease Policy

General Lines (Property and Casualty) General Knowledge Content Outline

160 scorable questions, plus 15 pretest questions.

I. Types of Policies 

A. Homeowners
B. Dwelling Policies
C. Commercial Lines
D. Inland Marine
E. National Flood Insurance Program
F. Others

II. Property Insurance Terms and Related Concepts

A. Insurance
B. Insurable Interest
C. Risk
D. Hazards
E. Peril
F. Loss
G. Loss Valuation
H. Proximate Cause
I. Deductible
J. Indemnity
K. Limits of Liability
L. Coinsurance/Insurance to Value
M. Occurrence
N. Cancellation
O. Nonrenewal
P. Vacancy and Inoccupancy
Q. Liability
R. Negligence
S. Binders
T. Endorsements
U. Blanket vs. Specific

III. Property Policy Provisions and Contract Law

A. Declarations
B. Insuring Agreement
C. Conditions
D. Exclusions
E. Definition of the Insured
F. Duties of the Insured
G. Obligations of the Insurance Company
H. Mortgagee Rights
I. Proof of Loss
J. Notice of Claim
K. Appraisal
L. Other insurance Provision
M. Subrogation
N. Elements of a contract
O. Warranties, representations, and concealment
P. Sources of underwriting information
Q. Fair Credit Reporting Act
R. Privacy Protection (Gramm Leach Bliley)
S. Policy Application
T. Terrorism Risk Insurance Act (TRIA)

IV. Types of Casualty Policies, Bonds, and Related Terms

A. Commercial general liability
B. Automobile: personal auto and business auto
C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues
D. Crime
E. Bonds
F. Professional liability
G. Umbrella/Excess Liability

V. Casualty Insurance Terms and Related Concepts

A. Risk
B. Hazards
C. Indemnity
D. Insurable interest
E. Loss Valuation
F. Negligence
G. Liability
H. Occurrence
I. Binders
J. Warranties
K. Representations
L. Concealment
M. Deposit Premium/Audit
N. Certificate of Insurance
O. Law of Large Numbers
P. Pure vs. Speculative Risk
Q. Endorsements
R. Damages
S. Compliance with Provisions of Fair Credit Reporting Act

VI. Casualty Policy Provisions

A. Declarations
B. Insuring agreement
C. Conditions
D. Exclusions and Limitations
E. Definition of the Insured
F. Duties of the Insured after a Loss
G. Cancellation and Nonrenewal Provisions
H. Supplementary Payments
I. Proof of Loss
J. Notice of Claim
K. Other Insurance
L. Subrogation
M. Loss Settlement Provisions including Consent to Settle a Loss
N. Terrorism Risk Insurance Act (TRIA)

General Lines Florida Specific Content Outline

I. Florida Statutes, Rules and Regulations Common to All Lines

A. Financial Services Regulation
B. Department of Financial Services
C. Office of Insurance Regulation
D. Office of Financial Regulation
E. Definitions
F. Licensing
G. Agent responsibilities
H. Insurance guaranty fund
I. Marketing practices

II. Florida Statutes, Rules and Regulations Pertinent to General Lines Insurance

A. Insurance Contracts
B. Payment of claims
C. Premium Financing
D. Property
E. Citizens Property Insurance Corporation (Citizens)
F. Surplus Lines
G. Auto Insurance
H. Comparative Negligence Law
I. Worker’s Compensation
J. Florida Automobile Joint Underwriting Association (FAJUA)
K. Boiler and Machinery/Equipment breakdown
L. Adjuster practices and conduct

III. Florida Statutes, Rules, and Regulations Pertinent to Health Insurance

A. General Health
B. Disclosure

How to Pass the Florida Insurance Exam

Passing your Florida insurance exam ultimately comes down to your mindset and degree of preparation.

We have composed a few helpful exam tips and tricks that should help you perform as well as you can during your exam day.

Get a Pre-License Course

Even though this is not a requirement in the state of Florida, getting a pre-license course can be incredibly beneficial. These courses can help you get accustomed to the extensive amount of content that you will have to memorize.

We recommend Kaplan’s course because it offers a variety of helpful features, including:

• Online exam simulations
• Live online training
• Printable study guides
• End of chapter reviews

Make Enough Time to Study

Not leaving enough time to prepare is one of the easiest ways to ensure that you do not pass your exam on your first attempt.

Remember, there are zero questions on your exam that are based on common sense or critical thinking. All questions are purely factual, and so will relate to how well you understand and remember the content that you have learned.

We recommend allocating around one to two weeks to prepare for your exam, as this should allow you to go through all of the material at least twice.

Control Test Anxiety

Even though you cannot control whether you get exam anxiety or not, you can take a few steps when preparing to limit its effect on your performance:

• Establish a consistent pretest routine — Acclimate yourself to exam conditions by following a specific routine on each practice exam at home. This should help you feel less anxious during your exam day.
• Get plenty of sleep — Lack of sleep can exacerbate your anxiety and increase your self-doubt. Make sure you are consistently getting a good night’s sleep in the week leading up to your exam.
• Study effectively — This sounds obvious, but make sure you are actually tailoring your studying to the exam that you are taking. Remember, there are no critical thinking or common sense questions involved.
• Arrive early — If you are planning to sit your exam in person, we recommend you arrive at least 30 minutes before it’s due to start in order to get used to your surroundings and have time to check in with your center’s administrator.

Getting Your Florida Insurance License

Your next steps will depend on whether you actually passed your exam, as well as on whether you plan to get licensed for any additional lines.

You can apply for your license up to 12 months after you complete your exam, so if you would like to attempt passing additional insurance line exams before filing your licensing application with the Florida Office of Insurance Regulation, you are totally free to do that.

After you have passed your insurance licensing exam, you will need to:

• Complete a fingerprint and background check
• File your licensing application
• Wait for your application to be reviewed

Florida Department of Financial Services Contact Information

Mailing Address:

Division of Insurance Agent & Agency Services
Bureau of Licensing, Room 419
200 East Gaines Street
Tallahassee, Florida 32399-0319

Phone: (850) 413-3137

Email: AgentLicensing@MyFloridaCFO.com

Website: http://www.myfloridacfo.com

License Search: Florida Insurance License Search and Lookup