How many questions are on the Florida Life & Health Insurance Exam?

The exam consists of 165 total questions. Of these, 150 are scored, and 15 are unscored pretest questions that do not affect your final result.

How much time is allowed to complete the FL-LH test?

Candidates are given a maximum of 2 hours and 45 minutes to complete the examination.

What is the passing score for the Florida Life & Health exam?

The passing score is 70%. This is a state licensure exam. The required passing score is set at 70% by the Florida Department of Financial Services. Because insurance licensure requirements vary by state, candidates seeking a similar license outside of Florida must verify the exact passing score with their specific state's department of insurance or certification agency.

How much does it cost to register for the test?

The registration fee for the Florida Life & Health Insurance License Exam is $44.

Can I bring my own calculator to the exam?

No, personal calculators are strictly prohibited. The exam does not require complex calculations, but if you prefer to have one, you may request a standard calculator from the test center staff.

How long should I study for this exam?

Most successful candidates spend approximately 50 to 55 hours studying, dedicating significant time to Florida-specific regulations which make up a large portion of the exam weight.

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FL-LH · Syllabus & Exam Outline 2026

Florida Life & Health Insurance License Exam

Exam-aligned study paths covering the national Life & Health insurance core plus Florida insurance law - Florida Office of Insurance Regulation rules, licensing, and state-specific requirements - in retention-first 15-minute topics.

Start studying free see the outline ↓

Questions: 165 questions (150 scored and 15 unscored pretest questions)
Time limit: 2 hours and 45 minutes
Passing score: 70%
Cost: $44
Format: Multiple choice
Delivery: Computer-based testing at Pearson VUE test centers or via remote proctoring
Calculator: The exam does not require a calculator, but candidates may request a standard calculator from test center staff. Personal calculators are strictly prohibited in the testing room.
Prep time: ~52 hours

Exam overview

The Florida Life & Health Insurance License Exam is a critical milestone for aspiring insurance professionals in the state. Regulated by the Florida Department of Financial Services (DFS) and administered by Pearson VUE, this comprehensive assessment evaluates your understanding of life and health insurance products, policy provisions, and critical underwriting procedures. It also rigorously tests your knowledge of the Florida Insurance Code and federal regulations, ensuring you are fully qualified to ethically advise clients. Because the curriculum covers both uniform national concepts and detailed state-specific regulations, effective preparation requires a focused approach. Candidates must master a wide array of topics ranging from traditional whole life policies and complex Medicare systems to state laws governing producer licensing, marketing standards, and unfair trade practices. To help you conquer this extensive material, Only Ever breaks down the entire syllabus into manageable 15-minute study sessions. Every domain, from standard policy riders to Florida-specific health insurance mandates, is directly mapped to concise lessons. This structure eliminates guesswork and aligns seamlessly with the official exam outline, allowing you to study efficiently and approach test day with confidence.

Exam domains & weighting

Each domain's share of the exam — study deepest where the weight is highest. Open one for how to study it and its objectives.

How to study this domain

Focus on distinguishing between the mechanics of term life, whole life, and flexible policies like universal life. Be able to compare the premium structures, cash value accumulation, and payout variations of different annuities.

Key objectives

Traditional Whole Life Products
Interest, Market-Sensitive, and Adjustable Life
Term Life Insurance
Annuities
Combination Plans and Variations

Study this domain

Readiness self-check

Tick off everything you can confidently explain. Anything left unchecked is your study list — tap “Review” to jump straight into that domain.

Readiness

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Types of Policies

Review

Can I explain the structural difference between variable universal life and indexed life insurance?
Am I able to identify the correct payout option for an annuity based on a client's specific longevity concerns?

Policy Riders, Provisions, Options, and Exclusions

Review

Do I know the standard duration of the grace period and exactly what happens if the insured dies during this time?
Can I differentiate between the various nonforfeiture options available to a policyholder?

Completing the Application, Underwriting, and Delivering the Policy

Review

What are the core differences between representations and warranties on an insurance application?
Can I list the required steps an agent must take if an application is submitted incompletely?

Retirement and Other Insurance Concepts

Review

How does a key person life insurance policy function, and who owns the contract?
Am I familiar with the tax treatment of group life insurance premiums versus individual premiums?

Types of Accident & Health Policies

Review

Can I articulate the operational differences between an HMO and a PPO?
What are the rules regarding HSA contributions when paired with a High Deductible Health Plan?

Health Policy Provisions, Clauses, and Riders

Review

Am I capable of listing the mandatory provisions required in an individual accident and sickness policy?
Can I explain what a guaranteed renewable policy implies for future premium adjustments?

Social Insurance

Review

Do I know which specific services are covered under Medicare Part A versus Medicare Part B?

Other Health Insurance Concepts

Review

How does the coordination of benefits provision resolve claims when an individual is covered by multiple group policies?
Can I define the differences between total, residual, and partial disability?

Field Underwriting Procedures

Review

What are an agent's ethical obligations when conducting initial field underwriting for health policies?

General Insurance Regulation

Review

Can I accurately define illegal practices like twisting, churning, and rebating according to Florida statutes?
What are the exact continuing education requirements and timeline for maintaining a Florida producer license?
Do I understand the coverage limits and purpose of the Florida Life & Health Insurance Guaranty Association?

Quick reference

Essential Insurance Industry Acronyms

Common acronyms you must know for both national policy functions and Florida state regulations.

NAIC: National Association of Insurance CommissionersAids in the creation of uniform national model laws.
DFS: Department of Financial ServicesRegulates licensing and oversees producer activities in Florida.
OIR: Office of Insurance RegulationFocuses on the regulation of insurance companies and policy forms in Florida.
HDHP: High Deductible Health PlanOften paired with Health Savings Accounts (HSAs).
COBRA: Consolidated Omnibus Budget Reconciliation ActFederal law allowing temporary extension of employer health coverage.
HIPAA: Health Insurance Portability and Accountability ActFederal law providing data privacy and security provisions for medical information.

Key Insurance Contract Terms

Crucial terminology related to insurance provisions and unfair trade practices.

Free Look Provision

A standard period of time during which a new life or health policy owner can return the policy for a complete refund.

Grace Period

The period after a premium due date when the policy remains actively in force despite nonpayment.

Subrogation

The legal process by which an insurance company, after paying a loss, seeks to recover the amount from the third party that caused the loss.

Twisting

An illegal practice where a producer misrepresents a policy to induce a client into dropping an existing policy to buy a new one, usually to the client's detriment.

Rebating

Offering something of value not explicitly specified in the insurance contract as an inducement to purchase.

Frequently asked questions

Good to know

The exam features 15 unscored pretest questions seamlessly blended with the scored questions.
Calculators are not required for the math involved; however, standard-issue calculators are available upon request at Pearson VUE centers.
The assessment uniformly tests both general national insurance frameworks and stringent Florida-specific state regulations (which account for 25% of the total test material).

Reading isn’t remembering.

Florida Life & Health prep blends nationally-uniform insurance concepts with Florida-specific law, and most materials muddle the two.

Only Ever teaches the shared national Life & Health core once, then layers Florida insurance law - regulation, licensing, unfair practices, guaranty protection, and state-specific rules - as focused 15-minute topics.

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