How to Get a L&H Insurance License (2-15) in the Sunshine State
If you want to sell life insurance, health insurance, annuities, and related products in Florida, the license you are probably looking for is the Florida 2-15 Resident Health & Life license, including Annuities & Variable Contracts.
This is one of Florida’s most common insurance licenses. It is designed for agents who want to represent insurers in life insurance, health insurance, annuity contracts, and related lines. For most new resident applicants, the path includes a Florida-approved prelicensing course, a Pearson VUE licensing exam, fingerprinting, and an online application through the Florida Department of Financial Services.
Florida is not a “skim the glossary and hope for sunshine” state. The Florida 2-15 exam is broad, detailed, and state-specific. It includes life insurance, health insurance, annuities, variable contracts, policy provisions, underwriting, Medicare supplement concepts, long-term care, disability income, group health, and Florida law.
Because Florida requires approved prelicensing education, we recommend Achievable.me for the required course. After that, TESTivity helps Florida candidates prepare for the actual exam with Florida-specific study tools, Pearson VUE-style practice, flashcards, audio review, video lessons, mind maps, learning games, and an exam simulator built around the way Florida candidates are tested.
Take the required course. Then train for the exam.
Florida Life and Health Insurance License Quick Facts
| Requirement | Florida Details |
|---|---|
| Main license | 2-15 Resident Health & Life, including Annuities & Variable Contracts |
| Licensing authority | Florida Department of Financial Services, Division of Agent and Agency Services |
| Testing vendor | Pearson VUE |
| Standard prelicensing requirement | 60-hour department-approved insurance course for life and health, including variable annuity insurance |
| Exam | Florida Agent’s Health & Life, including Annuities & Variable Contracts |
| Exam length | 150 scored questions plus 15 pretest questions |
| Time limit | 2.75 hours |
| Passing score | 70% |
| Exam fee | $44 |
| License application fee | $50 |
| License ID fee | $5 |
| Fingerprinting | Required for most applicants through IdentoGO by Idemia |
| Fingerprinting fee | $49.50 plus applicable local Florida county sales tax |
| Application system | Florida DFS MyProfile |
| CE update course | 4-hour Life, Health, and Annuity update course applies to 2-15 licensees |
The official Florida 2-15 Resident Health & Life qualification document identifies the license as the resident health and life license including annuities and variable contracts. It states that applicants must be at least 18, be Florida residents, be U.S. citizens or legal aliens with work authorization, and not hold a resident license in another state. It also lists the standard course route as a 60-hour approved insurance course for life and health, including variable annuity insurance, completed within four years of application.
Pearson VUE’s current Florida examination content outline lists the Florida Agent’s Health & Life, including Annuities & Variable Contracts exam as 150 scored questions plus 15 pretest questions with a 2.75-hour time limit.
What Is the Florida 2-15 Health & Life License?
The Florida 2-15 Resident Health & Life license, including Annuities & Variable Contracts, is the license many Florida candidates need if they want to sell or discuss products such as:
- Life insurance
- Term life
- Whole life
- Universal life
- Variable life
- Health insurance
- Disability income insurance
- Group health insurance
- Medicare supplement insurance
- Long-term care insurance
- Fixed annuities
- Variable annuities
- Retirement-related insurance products
The Florida 2-15 qualification document describes the common use of the license as representing an insurer for life insurance and annuity contracts, and it includes agents appointed to transact health insurance and related lines within the license authority.
Florida also has narrower licenses, such as Life only or Health only, but the 2-15 license is the common combined path for candidates who want both life and health authority.
For a broader overview of Florida licensing, see the related page: Insurance Licensing in Florida: Complete Guide to License Types and Requirements.
How to Get a Florida Life and Health Insurance License in 5 Steps
Step 1: Confirm That the Florida 2-15 License Is the Right License
Before you purchase a course, schedule an exam, or start studying, confirm that the Florida 2-15 license matches your career goal.
If you want to sell both life and health products in Florida, including annuities and variable contracts, the 2-15 license is usually the appropriate path. If you only want property and casualty authority, you should review the related page How to Get a Property and Casualty Insurance License in Florida instead.
Florida’s 2-15 qualification document says applicants must be natural persons at least 18 years old, bona fide Florida residents, U.S. citizens or legal aliens with work authorization, and cannot hold resident insurance licenses in another state.
Step 2: Complete the Required Florida 60-Hour Prelicensing Course
For the standard Florida 2-15 route, applicants must complete or teach a 60-hour insurance course for life and health, including variable annuity insurance, approved by the department and completed within four years of application.
Florida’s 2-15 document also lists alternative qualification routes, including certain combinations of separate life and health courses, qualifying professional designations, college coursework, and transfer-related paths.
For most new Florida candidates, the main path looks like this:
- Complete the approved Florida 60-hour 2-15 course.
- Pass the Florida Health & Life exam through Pearson VUE.
- Submit fingerprints.
- Apply through Florida DFS MyProfile.
- Become properly appointed before transacting insurance.
Because Florida requires approved prelicensing education, TESTivity should not be positioned as the required Florida prelicensing course. We recommend Achievable.me for that required education step.
Then, use TESTivity to reinforce what you learned, practice Florida-specific exam questions, and prepare for Pearson VUE’s testing style.
The course gets you eligible. TESTivity helps get you ready.
Why Exam Prep Matters in Florida
Florida gives candidates flexibility by not requiring where they get their mandatory prelicensing hours. But flexibility can become a trap if it leads to scattered studying.
The Florida insurance exam is a content-heavy multiple-choice exam. You are not just memorizing definitions. You need to recognize policy language, understand how coverages work, identify exclusions and conditions, and apply insurance law to exam-style scenarios.
That is why TESTivity uses a multi-tool study system instead of relying on one flat textbook.
The TESTivity Platinum Study Package includes:
Step 3: Schedule and Pass the Florida Health & Life Exam
Florida insurance exams are administered by Pearson VUE. Pearson VUE’s Florida insurance page provides the official candidate handbook, licensing FAQs, and content outlines for Florida exams.
The Florida DFS examinations page also tells candidates to review the candidate handbook first and notes that exam breakdowns are available in the examination content outlines.
For the Florida 2-15 license, the relevant exam is:
Florida Agent’s Health & Life, including Annuities & Variable Contracts
| Exam Detail | Florida Health & Life |
|---|---|
| Scored questions | 150 |
| Pretest questions | 15 |
| Total questions seen | 165 |
| Time limit | 2.75 hours |
| Passing score | 70% |
| Testing vendor | Pearson VUE |
Pearson VUE’s Florida content outline lists the Health & Life exam as 150 scored questions plus 15 pretest questions with a 2.75-hour time limit.
The Florida candidate handbook states that Florida insurance exams use a 70% passing score and explains that pretest questions may appear on the exam but do not count toward the final score.
This is a big exam. It is not just “life insurance plus a little health insurance.” It is a full buffet of policy types, provisions, underwriting rules, tax-adjacent concepts, health benefits, annuities, variable contracts, and Florida law. Bring a fork and a strategy.
Step 4: Submit Fingerprints Through IdentoGO
Florida requires fingerprinting for almost all insurance licenses, registrations, and certifications. DFS says applicants must be fingerprinted through IdentoGO by Idemia, formerly MorphoTrust USA.
Florida DFS lists the fingerprinting fee as $49.50 plus applicable local Florida county sales tax. The fingerprinting process is handled electronically through LiveScan for Florida residents.
Practical reminders:
- Register through the approved IdentoGO process.
- Use the Florida DFS fingerprinting instructions.
- Make sure your identifying information matches your application.
- Keep your fingerprinting confirmation.
- Monitor MyProfile for deficiencies.
Fingerprinting is not glamorous, but neither is having your application stuck because the paperwork goblin found a mismatch.
Step 5: Apply Through Florida DFS MyProfile
Florida insurance license applications are handled through the DFS MyProfile system. MyProfile is where candidates and licensees manage licensing information, applications, appointments, continuing education records, and pending application deficiencies.
Florida DFS lists these core fees:
| Item | Fee |
|---|---|
| License application | $50 |
| License ID | $5 |
| State examination | $44 |
| Resident appointment | $60 |
These fee amounts are published by Florida DFS on its official fee guidance.
After submitting your application, continue checking MyProfile. If DFS needs additional documents or information, your account may show a deficiency. Do not assume that passing the exam automatically means the license has been issued.
Florida 2-15 Exam Details
The Florida life and health licensing exam is administered by Pearson VUE and is officially listed as the Florida Agent’s Health & Life, including Annuities & Variable Contracts exam.
Florida Health & Life Exam Format
| Exam Feature | Detail |
|---|---|
| Exam name | Florida Agent’s Health & Life, including Annuities & Variable Contracts |
| Testing vendor | Pearson VUE |
| Scored questions | 150 |
| Pretest questions | 15 |
| Total questions seen | 165 |
| Time limit | 2.75 hours |
| Passing score | 70% |
The current Pearson VUE Florida content outline identifies the Health & Life exam as 150 scored questions plus 15 pretest questions with a 2.75-hour time limit.
What Are Pretest Questions?
Pretest questions are unscored questions placed on the exam to evaluate whether they should be used as scored questions in the future. They do not count toward your score, but they are mixed into the exam and are not labeled.
That means you should treat every question as real. On test day, you do not get to point at a question and say, “Nice try, pretest gremlin.”
Florida Health & Life Exam Content
The Florida 2-15 exam covers life insurance, health insurance, annuities, variable contracts, policy provisions, application and underwriting concepts, group coverage, disability, Medicare supplements, long-term care, and Florida-specific law.
Pearson VUE’s content outline shows that the Florida Health & Life exam includes 150 scored questions plus 15 pretest questions, and the outline breaks the exam into major life, health, annuity, and Florida law categories.
Major Florida 2-15 Exam Areas
| Exam Area | Why It Matters |
|---|---|
| Life insurance policies | Term, whole life, universal life, variable life, and other policy structures |
| Life policy provisions and riders | Beneficiaries, settlement options, exclusions, riders, grace periods, reinstatement, and nonforfeiture options |
| Applications and underwriting | Completing applications, field underwriting, delivery, replacement, suitability, and disclosure issues |
| Annuities and retirement plans | Fixed annuities, variable annuities, settlement options, accumulation, distribution, and retirement concepts |
| Health insurance policies | Medical expense, disability income, group health, and major medical concepts |
| Health policy provisions | Renewability, exclusions, claims, coordination of benefits, and required provisions |
| Medicare supplement and long-term care | Federal and Florida-specific rules, suitability, replacement, and consumer protections |
| Florida statutes and regulations | Licensing, appointments, unfair trade practices, ethics, advertising, and state-specific rules |
Why the Florida 2-15 Exam Feels So Broad
The 2-15 exam combines several worlds:
- Life insurance concepts
- Health insurance concepts
- Annuities
- Variable contracts
- Florida law
- Product suitability and consumer protection rules
- Applications, underwriting, and policy delivery
That is why students often feel like they are studying for three exams wearing one trench coat.
A required prelicensing course gives you the education foundation. But to pass, you need repetition, recall practice, question recognition, and Florida-specific exam strategy.
Florida Life and Health License Fees
Here are the major costs to plan for when pursuing a Florida life and health insurance license.
| Item | Fee |
|---|---|
| License application | $50 |
| License ID | $5 |
| State examination | $44 |
| Fingerprinting | $49.50 plus applicable local Florida county sales tax |
| Resident appointment | $60 |
Florida DFS publishes the application, license ID, examination, appointment, and fingerprinting fees through its licensing guidance and candidate materials.
These amounts do not necessarily include your required prelicensing course, optional exam prep, rescheduling fees, transportation, or any additional documents that may apply to your situation.
Florida Fingerprinting and Background Check
Florida applicants should handle fingerprinting carefully and early.
DFS says fingerprinting is mandatory for almost all licenses, registrations, and certifications, and applicants must use IdentoGO by Idemia.
For Florida residents, fingerprints are submitted electronically through LiveScan. The fingerprinting fee is $49.50 plus applicable local Florida county sales tax.
A few common-sense tips:
- Do not wait until the end of the process.
- Use the DFS-approved vendor.
- Keep your receipt.
- Make sure your name and identifying information are consistent.
- Watch MyProfile for application updates or deficiencies.
Fingerprinting is the small administrative hinge that can swing a large licensing door.
Florida Life and Health License Application Process
For most new Florida 2-15 candidates, the application process looks like this:
- Confirm that the 2-15 Health & Life license matches your career path.
- Complete the required 60-hour approved course or qualify through another approved route.
- Schedule and pass the Florida Health & Life exam through Pearson VUE.
- Submit fingerprints through IdentoGO by Idemia.
- Apply through Florida DFS MyProfile.
- Monitor MyProfile for deficiencies or approval notices.
- Obtain the proper appointment before transacting insurance.
The official 2-15 qualification document lays out the license qualifications and prerequisite options, including the 60-hour approved course route and state examination requirement.
Pearson VUE provides the Florida insurance candidate handbook and content outlines used for exam preparation and scheduling guidance.
Florida Life and Health License Renewal and Continuing Education
After you become licensed, you must keep your Florida insurance license in good standing.
Florida DFS says continuing education requirements are tracked through MyProfile, and its continuing education page identifies a 4-hour Life, Health, and Annuity update course for life including variable annuity and health agents, including 2-15 and 2-18 licensees.
The safest renewal strategy is:
- Log into MyProfile.
- Confirm your CE compliance period.
- Complete the correct 4-hour update course.
- Complete any additional CE shown in your account.
- Do not wait until the last week.
- Keep records of completion.
Florida’s CE requirements can vary by license type and situation, so always verify your current requirement inside MyProfile.
Florida-Specific Quirks for L&H Candidates
The Florida L&H License Is Usually the 2-15 License
Candidates often search for “Florida life and health insurance license,” but the official combined resident license is the 2-15 Resident Health & Life, including Annuities & Variable Contracts license. Using the official license name helps when reading DFS pages, choosing a course, scheduling the exam, and applying.
Florida Requires a 60-Hour Approved Course for the Standard 2-15 Route
The standard 2-15 path requires a 60-hour department-approved course for life and health, including variable annuity insurance, completed within four years of application.
That is why we recommend Achievable.me for the required prelicensing education.
The Exam Is Large and Mixed
The Florida Health & Life exam has 150 scored questions plus 15 pretest questions, with a 2.75-hour time limit.
The challenge is not just question count. It is topic-switching. A candidate may move from life policy riders to annuities, then disability income, then group health, then Florida law. Your study plan needs to build flexibility, not just memorization.
Florida Law Matters
Florida insurance exams include state-specific rules and regulations. The DFS exam page directs candidates to use the official content outlines for exam breakdowns, and Pearson VUE publishes Florida-specific outlines for each license exam.
Generic life and health material may help with national concepts, but it does not fully prepare candidates for Florida’s version of the exam.
Pearson VUE Style Matters
Pearson VUE administers Florida’s insurance licensing exams and provides the official candidate handbook, FAQs, and content outlines.
Over 20+ years, TESTivity has learned that testing providers are not interchangeable. Prometric, Pearson VUE, PSI, and other vendors often use different question styles, phrasing habits, and exam rhythms. Florida candidates should practice with material that reflects the Florida Pearson VUE experience, not just generic national insurance terms.
Prepare for the Florida 2-15 Exam with TESTivity
Florida requires approved prelicensing education for the 2-15 Health & Life license. We recommend Achievable.me for that required course.
But do not confuse finishing the course with being ready to pass the exam.
The required course gives you the foundation. TESTivity helps you train for the Florida Pearson VUE exam.
TESTivity’s Florida life and health study tools are built from the ground up with Florida in mind. They are not generic national materials with a Florida label slapped on top. Our system is designed to help Florida candidates review state-specific content, drill weak areas, and practice with questions that better reflect the Pearson VUE exam experience.
With TESTivity, Florida L&H candidates can use:
- Florida 2-15 Exam Simulator
- Florida Life and Health Study Manual
- Pearson VUE-style Practice Questions
- Flashcards
- Audio Course
- Video Instruction
- Mind Maps
- Learning Games
- Test Day Cheat Sheet
- AI Insurance Exam Tutor
- Platinum Study Package
The worst thing you can do is study with material that does not look, feel, or behave like what you will see on the screen at the testing center.
Florida is specific. Pearson VUE is specific. Your exam prep should be specific too.
FAQ: Florida Life and Health Insurance License
About This Florida 2-15 Insurance License Guide
This guide was prepared by the TESTivity team to help Florida insurance licensing candidates understand the 2-15 Health & Life licensing process and prepare for the state exam with confidence.
TESTivity creates state-specific insurance exam study tools, practice questions, audio lessons, flashcards, mind maps, learning games, cheat sheets, AI tutoring support, and exam simulators. Our approach is based on a simple principle: insurance exams are not all the same. State rules matter. Testing vendors matter. Exam structure matters.
For Florida L&H candidates, that means preparing for the Florida DFS licensing process and the Pearson VUE Health & Life exam, not just studying generic insurance definitions.
Official licensing rules can change, so candidates should always verify current requirements with the Florida Department of Financial Services and Pearson VUE before applying, scheduling an exam, or purchasing required education.
About the author
Matt Williams
Matt Williams has been teaching insurance pre-licensing curriculum for over 20 years and has helped thousands of people pass their exams on their first attempt. Matt holds Life & Health, Property & Casualty, and Adjuster insurance licenses along with the Series 7, 8, 24, 63, and 65 FINRA/NASAA designations, and the CLU, ChFC, and CFP® professional credentials. He is a certified trainer in adult education and the founder of TESTivity.
The TESTivity Platinum Study Package is built around exactly this map: video lessons weighted to the actual exam outline, mind maps that show how coverage types relate to each other, a full-length exam simulator that mirrors the Florida Pearson VUE format, and a pass guarantee. Built by the people who teach the exam — used by the candidates who pass it!
Ready to Get Your Florida 2-15 Insurance License?
Getting licensed starts with the process. Passing the exam starts with preparation.
TESTivity helps perspective Florida insurance producers study with a complete system built for how people actually learn: reading, watching, listening, practicing, reviewing, and recalling.
Whether you are preparing for Property and Casualty, Life and Health, or another Florida insurance exam, TESTivity gives you the tools to study with structure instead of guesswork.
📋 Official Florida L&H Insurance Licensing Resources
To ensure absolute accuracy when registering for your exam and filing your application, we recommend utilizing these official state materials alongside your TESTivity Platinum Study Package.
Instant PDF Downloads
-
Florida L&H Insurance Exam Candidate Handbook (PDF)
Direct mirror hosted by GetTheLicense.org -
Florida Insurance Licensing Exam Content Outline (PDF)
Official exam breakdown and topic weighting
Official Portals & Live Verification
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Florida Dept. of Financial Services (DFS) — Div. of Insurance Agent & Agency Services
For resident agent regulations and fee schedules -
Pearson VUE Florida L&H Insurance Licensing Page
To schedule your exam, find test centers, or check live updates