Florida life line
The Florida life insurance exam.
The Florida life insurance exam is 85 scored questions, about 10 unscored pretest questions, in 120 minutes, passing at 70 percent, $44 per attempt, administered by Pearson VUE. We sell study materials and practice exams for it, written from the official Florida outline. The first 20 study questions are free, and the full License Pass is $79, yours until you pass.
At a glance
| Exam | Florida Agent's Life |
| Scored questions | 85 |
| Pretest questions | about 10 (unscored) |
| Time limit | 120 minutes |
| Passing score | 70 percent |
| Exam fee | $44 |
| Testing vendor | Pearson VUE |
| Retake rules | To retake, you apply again through Pearson VUE's Florida insurance site and pay a new $44 fee. You get at most five attempts at the same exam type in a 12-month period. Your exam authorization from the Florida Department of Financial Services lasts 12 months or 3 attempts, whichever comes first, and after that you apply to the Department again. A passing score stays valid for 1 year. |
| Prelicensing education | required, from a provider your state insurance department lists |
Checked against Pearson VUE's official materials. Specs change, so confirm them when you register.
How to get your Florida life insurance license
- 1
Meet the basics
Florida sets its own age, background check and application rules. The Florida insurance department lists them, so read them before you book.
- 2
Complete the required prelicensing education
Florida requires prelicensing education from a provider your state insurance department lists before you can test. Complete it with that provider, keep your completion record, then drill practice questions until the material sticks.
- 3
Book the exam with Pearson VUE
Register at Pearson VUE, pick a test center or online proctoring where offered, and pay the $44 exam fee.
- 4
Pass the exam
Walk in knowing the format, 85 scored questions in 120 minutes, passing at 70 percent. About 57 percent of first-time life exam takers pass nationally (NAIC, 2025 results).
- 5
Apply for the license and get appointed
Submit the license application (fingerprints where required), then get appointed with carriers so you can write business.
What the Florida exam covers
From the official exam outline, each section's share of the exam and how many of the 85 scored questions it earns.
| Section | Weight | Questions |
|---|---|---|
| Types of Policies and Features | 17.5 percent | 15 questions |
| Policy Riders, Provisions, Options, and Exclusions | 17.5 percent | 15 questions |
| Completing the Application, Underwriting, and Delivering the Policies | 14 percent | 12 questions |
| Retirement and Other Insurance Concepts | 9 percent | 8 questions |
| Florida Statutes, Rules, and Regulations Common to All Lines | 24 percent | 20 questions |
| Florida Statutes, Rules, and Regulations Pertinent to Life and Annuity Insurance, Including Variable Products | 18 percent | 15 questions |
Free Florida practice questions
Original questions written to the Florida outline, the same bank our students drill. Tap a question to check the answer.
Question 1What does the guaranteed cash value in a whole life policy allow the owner to do?
- A. Force the insurer to raise the dividend
- B. Increase the death benefit for free at any time
- C. Borrow against the policy through a policy loan
- D. Change the insured person named on the policy
Show the answer
Answer: C
Cash value is an asset the owner can borrow against with a policy loan or receive if the policy is surrendered. Cash value does not automatically increase the death benefit. Dividends are not controlled by cash value and are never something the owner can force. The insured named on a policy cannot simply be swapped out because of cash value.
Question 2What is the key difference between variable universal life and standard universal life?
- A. Variable universal life has no death benefit
- B. Standard universal life is a securities product but variable universal life is not
- C. Variable universal life uses separate account investments chosen by the owner, while standard universal life credits a declared interest rate
- D. Standard universal life has flexible premiums but variable universal life does not
Show the answer
Answer: C
Variable universal life invests cash value in owner-selected separate account subaccounts subject to market risk, while standard universal life credits a nonguaranteed declared rate on the general account. Both types have flexible premiums, so that distinction is wrong. Both provide a death benefit. It is the variable product, not standard universal life, that is regulated as a security.
Question 3Susan selects a life annuity with no refund or period certain, and she dies after receiving only two payments. What happens to the remaining money?
- A. Her beneficiary receives the balance in a lump sum
- B. The premium is refunded to her heirs
- C. The insurer keeps the remaining funds
- D. Payments continue to her estate for ten years
Show the answer
Answer: C
A straight (pure) life annuity pays for the annuitant's lifetime only, with no guarantee of a minimum number of payments. If the annuitant dies early, the insurer keeps whatever is left, which is why this option pays the highest income. A beneficiary lump sum or continued payments would require a refund or period certain option, which Susan did not choose. A premium refund would require a refund annuity feature.
Question 4A payor benefit rider on a juvenile policy does what if the adult paying the premiums dies or becomes disabled?
- A. It converts the policy to paid-up status permanently
- B. It cancels the child's coverage automatically
- C. It waives the premiums until the child reaches a stated age
- D. It pays the child a lump sum immediately
Show the answer
Answer: C
A payor benefit rider waives future premiums, usually until the child reaches a certain age, if the premium payer dies or becomes disabled. It does not pay a lump sum, cancel coverage, or make the policy permanently paid-up.
Question 5Under Florida law, what is the purpose of the free look provision in a life insurance policy?
- A. It lets the insurer cancel the policy within a set period
- B. It allows the beneficiary to change the death benefit amount
- C. It extends the time to pay the first premium
- D. It gives the policyowner time to review the policy and return it for a full refund
Show the answer
Answer: D
The free look period gives the new policyowner a set number of days after delivery to examine the policy and, if not satisfied, return it for a full refund of premium. It protects the buyer, not the insurer, so the option about the insurer canceling is wrong. It has nothing to do with changing the death benefit or extending premium due dates.
Take the free Florida practice test, every question with the answer and the explanation
Florida exam FAQs
How many questions are on the Florida life insurance exam?
85 scored questions, plus about 10 unscored pretest questions mixed in, with 120 minutes on the clock.
What score passes the Florida exam?
You need 70 percent to pass.
How much does the Florida life insurance exam cost?
The exam fee is $44 per attempt, paid to Pearson VUE. Licensing application and fingerprint fees are separate.
What happens if I fail the Florida exam?
To retake, you apply again through Pearson VUE's Florida insurance site and pay a new $44 fee. You get at most five attempts at the same exam type in a 12-month period. Your exam authorization from the Florida Department of Financial Services lasts 12 months or 3 attempts, whichever comes first, and after that you apply to the Department again. A passing score stays valid for 1 year. About 57 percent of first-time life exam takers pass nationally (NAIC, 2025 results). Failing once is common, and the fix is drilling the sections your score report names.
Does Florida require prelicensing education before the exam?
Yes. Florida requires prelicensing education from a provider your state insurance department lists before you can sit for the exam. We sell study materials and practice exams, not prelicensing education, so plan for both, the required education first, then practice here until the exam feels familiar.
What RingReady is, and is not
RingReady sells study materials and practice exams for the life insurance licensing exam. We are not a prelicensing education provider on any state's list, and practicing here does not by itself satisfy any state's education requirement.
If your state requires prelicensing education, you must complete it with a provider your state insurance department lists. The department publishes that list. What we do is help the questions feel familiar when you sit down for the real exam.
Practice the Florida exam until it feels familiar.
Practice questions written to every section of the outline above, full timed practice exams matched to the real format (85 questions, 120 minutes), and a mastery map that shows what to study next.