FLORIDA 2-15 INSURANCE LICENSE EXAM | 2026/2027
Florida Health & Life (Including Annuities & Variable Contracts) Agent License Exam
with Complete Questions & Verified Answers | Latest Version
Overview
This 2026/2027 updated resource contains the latest Florida 2-15 Health & Life
(Including Annuities & Variable Contracts) Agent License Exam with the
exact 150 questions and verified answers, following current Florida Department of
Financial Services (DFS) content outlines, Florida Insurance Code specifications, NAIC
(National Association of Insurance Commissioners) model laws, and Florida-specific
insurance regulations.
Key Features
● ✓ Actual Florida DFS exam format with the official 150 questions
● ✓ Comprehensive coverage of Florida-specific insurance laws and
regulations
● ✓ Updated 2026/2027 Florida Insurance Code amendments and DFS
bulletins
● ✓ Health, life, annuity, and variable contract product knowledge
requirements
● ✓ Florida-specific market conduct and ethical requirements
Core Content Areas (150 Total Questions)
● Florida Insurance Laws, Rules & Regulations (40 Qs)
● Life Insurance Policies & Provisions (30 Qs)
● Health Insurance Policies & Provisions (30 Qs)
● Annuities & Variable Contracts (25 Qs)
● Florida Market Conduct & Ethical Practices (15 Qs)
● Federal Tax Considerations & Florida Requirements (10 Qs)
Answer Format
Correct answers are marked in bold green and include:
, ● Specific Florida Statute citations (Chapter 626, 627, 628, 641)
● Florida Administrative Code references (Chapter 69B)
● DFS bulletin and emergency order applications
● Florida-specific replacement regulation requirements
● Florida Medicaid and health exchange integration rules
● Florida hurricane and disaster coverage requirements
Updates for 2026/2027
● 🔹
🔹 Reflects 2026 Florida Legislative Session insurance law changes
●
● 🔹 Updated Florida Medicaid managed care regulations
Enhanced cybersecurity requirements for Florida insurance
● 🔹 New Florida annuity suitability and best interest standards
producers
● 🔹 Revised Florida health insurance network adequacy rules
● 🔹 Updated Florida life insurance illustration regulations
● 🔹 New Florida disaster response and claims handling protocols
● 🔹 Revised Florida continuing education and license renewal
requirements
Florida Insurance Laws, Rules & Regulations (40 Questions)
1.
Under Florida Statute Chapter 626, which entity is primarily responsible for regulating
insurance in Florida?
A. Office of Insurance Regulation (OIR)
B. Department of Financial Services (DFS)
C. Financial Services Commission
D. Florida Insurance Guaranty Association
Correct Answer: B. Department of Financial Services (DFS). Florida Statute §624.02 designates
DFS as the primary regulatory body for insurance in Florida.
2.
,How many hours of pre-licensing education are required for a Florida 2-15 Health & Life
Agent license?
A. 40 hours
B. 60 hours
C. 80 hours
D. 100 hours
Correct Answer: B. 60 hours. Per Florida Administrative Code 69B-220.040, 60 hours of
approved pre-licensing education are required.
3.
Which Florida statute governs unfair insurance trade practices?
A. Chapter 624
B. Chapter 625
C. Chapter 626
D. Chapter 627
Correct Answer: C. Chapter 626. Specifically, Part IX of Chapter 626 addresses unfair methods of
competition and deceptive practices.
4.
A life insurance policy delivered in Florida must include a minimum free-look period of
how many days?
A. 10 days
B. 14 days
C. 20 days
, D. 30 days
Correct Answer: B. 14 days. Florida Statute §627.454 requires a minimum 14-day free-look period
for life insurance policies.
5.
Which of the following is TRUE regarding continuing education (CE) requirements for
Florida 2-15 licensees?
A. 15 hours every 2 years
B. 24 hours every 2 years, including 3 hours of ethics
C. 20 hours every 2 years, including 2 hours of law
D. 30 hours every 3 years
Correct Answer: B. 24 hours every 2 years, including 3 hours of ethics. Per Florida Statute
§626.2131 and Rule 69B-220.010.
6.
Under Florida law, what is the maximum time an insurer has to acknowledge receipt of
a claim?
A. 7 days
B. 14 days
C. 21 days
D. 30 days
Correct Answer: B. 14 days. Florida Administrative Code 69O-166.201 requires acknowledgment
within 14 days of receipt.
7.
Which Florida entity handles consumer complaints about insurance companies?
Florida Health & Life (Including Annuities & Variable Contracts) Agent License Exam
with Complete Questions & Verified Answers | Latest Version
Overview
This 2026/2027 updated resource contains the latest Florida 2-15 Health & Life
(Including Annuities & Variable Contracts) Agent License Exam with the
exact 150 questions and verified answers, following current Florida Department of
Financial Services (DFS) content outlines, Florida Insurance Code specifications, NAIC
(National Association of Insurance Commissioners) model laws, and Florida-specific
insurance regulations.
Key Features
● ✓ Actual Florida DFS exam format with the official 150 questions
● ✓ Comprehensive coverage of Florida-specific insurance laws and
regulations
● ✓ Updated 2026/2027 Florida Insurance Code amendments and DFS
bulletins
● ✓ Health, life, annuity, and variable contract product knowledge
requirements
● ✓ Florida-specific market conduct and ethical requirements
Core Content Areas (150 Total Questions)
● Florida Insurance Laws, Rules & Regulations (40 Qs)
● Life Insurance Policies & Provisions (30 Qs)
● Health Insurance Policies & Provisions (30 Qs)
● Annuities & Variable Contracts (25 Qs)
● Florida Market Conduct & Ethical Practices (15 Qs)
● Federal Tax Considerations & Florida Requirements (10 Qs)
Answer Format
Correct answers are marked in bold green and include:
, ● Specific Florida Statute citations (Chapter 626, 627, 628, 641)
● Florida Administrative Code references (Chapter 69B)
● DFS bulletin and emergency order applications
● Florida-specific replacement regulation requirements
● Florida Medicaid and health exchange integration rules
● Florida hurricane and disaster coverage requirements
Updates for 2026/2027
● 🔹
🔹 Reflects 2026 Florida Legislative Session insurance law changes
●
● 🔹 Updated Florida Medicaid managed care regulations
Enhanced cybersecurity requirements for Florida insurance
● 🔹 New Florida annuity suitability and best interest standards
producers
● 🔹 Revised Florida health insurance network adequacy rules
● 🔹 Updated Florida life insurance illustration regulations
● 🔹 New Florida disaster response and claims handling protocols
● 🔹 Revised Florida continuing education and license renewal
requirements
Florida Insurance Laws, Rules & Regulations (40 Questions)
1.
Under Florida Statute Chapter 626, which entity is primarily responsible for regulating
insurance in Florida?
A. Office of Insurance Regulation (OIR)
B. Department of Financial Services (DFS)
C. Financial Services Commission
D. Florida Insurance Guaranty Association
Correct Answer: B. Department of Financial Services (DFS). Florida Statute §624.02 designates
DFS as the primary regulatory body for insurance in Florida.
2.
,How many hours of pre-licensing education are required for a Florida 2-15 Health & Life
Agent license?
A. 40 hours
B. 60 hours
C. 80 hours
D. 100 hours
Correct Answer: B. 60 hours. Per Florida Administrative Code 69B-220.040, 60 hours of
approved pre-licensing education are required.
3.
Which Florida statute governs unfair insurance trade practices?
A. Chapter 624
B. Chapter 625
C. Chapter 626
D. Chapter 627
Correct Answer: C. Chapter 626. Specifically, Part IX of Chapter 626 addresses unfair methods of
competition and deceptive practices.
4.
A life insurance policy delivered in Florida must include a minimum free-look period of
how many days?
A. 10 days
B. 14 days
C. 20 days
, D. 30 days
Correct Answer: B. 14 days. Florida Statute §627.454 requires a minimum 14-day free-look period
for life insurance policies.
5.
Which of the following is TRUE regarding continuing education (CE) requirements for
Florida 2-15 licensees?
A. 15 hours every 2 years
B. 24 hours every 2 years, including 3 hours of ethics
C. 20 hours every 2 years, including 2 hours of law
D. 30 hours every 3 years
Correct Answer: B. 24 hours every 2 years, including 3 hours of ethics. Per Florida Statute
§626.2131 and Rule 69B-220.010.
6.
Under Florida law, what is the maximum time an insurer has to acknowledge receipt of
a claim?
A. 7 days
B. 14 days
C. 21 days
D. 30 days
Correct Answer: B. 14 days. Florida Administrative Code 69O-166.201 requires acknowledgment
within 14 days of receipt.
7.
Which Florida entity handles consumer complaints about insurance companies?
