How Many Questions Are on the Florida Life Insurance Exam? (2026)
The Florida Life and Annuity (including Variable Contracts) exam, series 0214, has 85 scored questions plus 10 unscored pretest questions, for 95 questions on screen. You have 120 minutes, and Florida publishes a 70% passing score. Pearson VUE administers the exam on behalf of the Florida Department of Financial Services (DFS).
Those figures come from Pearson VUE's Florida Insurance Licensing Candidate Handbook (publication 121000) and its exam content outline (publication 121003, effective January 1, 2026), which we checked on September 7, 2026. If you are still deciding which Florida license to pursue, start with our complete guide to getting a Florida insurance license; this post answers the narrower question of what the life exam itself looks like.
How does the Florida life exam compare with the health and combined exams?
Florida publishes three exams for life and health candidates, and the one you book depends on the license you applied for. The table below lists all three.
| Exam (Pearson VUE series) | Scored questions | Pretest questions | Time limit | Pass mark | Exam fee |
|---|---|---|---|---|---|
| Life and Annuity (including Variable Contracts) (0214) | 85 | 10 | 120 minutes | 70% | $44 |
| Health Agent (0240) | 85 | 10 | 120 minutes | 70% | $44 |
| Health and Life and Annuity (including Variable Contracts) Agent (0215) | 150 | 15 | 165 minutes | 70% | $44 |
Source: Pearson VUE, Florida Insurance Licensing Candidate Handbook (publication 121000, August 2024 edition) and Florida content outline (publication 121003, effective January 1, 2026). Checked September 7, 2026.
A few things stand out. The combined 0215 paper is not simply the two single-line exams stacked together: it has 150 scored questions rather than 170, and 165 minutes rather than 240. If you need both lines, one sitting of the combined exam is shorter and cheaper than two separate sittings. If you only plan to sell life insurance and annuities, the 0214 paper is the one built for you.
Do the pretest questions count toward my score?
No. The Pearson VUE Florida handbook says pretest questions are used to collect statistical information for building future exams, are mixed in throughout the test, and do not affect your score. Only the 85 scored questions count. Because you cannot tell which questions are pretest items, answer every question as if it counts.
What score do I need to pass?
Florida publishes a flat 70% passing score for all of its insurance licensing exams, calculated from the number of questions answered correctly. On an 85-question scored paper, that works out to roughly 60 correct answers, but treat that as arithmetic rather than a published cut score: the handbook states the 70% rule and does not print a raw number for each exam. Pearson VUE sends your result to DFS, which is the agency that issues the license.
What topics are on the Florida life exam?
The Pearson VUE outline (publication 121003) is headed "Florida Agent's Life (including Annuities & Variable Contracts)" and splits the exam into general insurance knowledge and Florida law. Florida law makes up 42% of the paper, so it deserves real study time.
| Content area | Share of exam |
|---|---|
| Types of policies and features | 17.5% |
| Policy riders, provisions, options and exclusions | 17.5% |
| Completing the application, underwriting and delivering the policy | 14% |
| Retirement and other insurance concepts | 9% |
| Florida statutes, rules and regulations common to all lines | 24% |
| Florida statutes, rules and regulations pertinent to life and annuity insurance, including variable products | 18% |
Source: Pearson VUE, Florida Insurance Examination Content Outlines (publication 121003, effective January 1, 2026). Checked November 2, 2026.
Florida publishes each content area as a percentage of the exam, not as a fixed number of questions, so any study guide that lists an exact question count per topic has worked it out from the percentages rather than copied it from Pearson VUE.
Download the current outline from Pearson VUE before you start studying, and weight your time by those percentages. Our guide to getting a life insurance license explains how life exams are structured across states if you are comparing Florida with somewhere else.
Can I take the Florida life exam in Spanish?
Yes. The Pearson VUE handbook lists a Spanish form of the life exam (InsFL-Life01S), and it is the same exam as the English version, with the same question count, time limit and passing score. Spanish forms are also listed for the Health and the combined Life and Health exams.
What does it cost to sit the exam and apply for the license?
There are two separate fees, paid to two different organizations:
- Exam fee: $44 per attempt, paid to Pearson VUE (Florida candidate handbook, checked September 7, 2026).
- License application fee: $50 plus $5 per line of authority for an agent license, paid when you apply through NIPR (NIPR, Florida resident licensing requirements, read September 16, 2026). Florida application fees are non-refundable under section 626.171(5), Florida Statutes.
You will also need fingerprints taken by IdentoGO, and Florida requires state-approved pre-licensing education before an agent license is issued. Check the Florida Department of Financial Services for the current course hours for your license type, since they differ by license.
How should I study for it?
Two hours for 95 questions gives you a little over a minute per question, which is enough time if you know the material and not enough to work things out from scratch. Practical steps that help:
- Book the right paper. Confirm whether DFS approved you for the 0214 life exam or the 0215 combined exam before you schedule.
- Study from the outline percentages. Spend the most time on the largest content areas, and remember that Florida law accounts for 42% of the exam.
- Take timed practice tests. Sit full practice sessions under a clock so the 120-minute limit feels routine. Our free insurance practice exam lets you check where you stand before test day.
- Review every miss. Read the explanation for each wrong answer until you could teach it.
Elite Training Academy is not a DFS-approved Florida pre-licensing provider, so you will complete your required Florida course elsewhere. Our practice questions are a study aid on top of that course, not a substitute for it.