Florida

Florida Department of Financial Services
Bureau of Licensing

200 East Gaines Street
Tallahassee, Florida 32399-0319
Phone: (850) 413-3137
Website: www.MyFloridaCFO.com/division/agents

Florida Agent’s Life (including Annuities & Variable Contracts) Insurance Examination
100 Total Questions (85 scored, 15 pretest)
Time Limit: 120 minutes
Passing score: 70%

PERCENTAGE OF EXAM
GENERAL INSURANCE:
Completing the Application, Underwriting, and Delivering the Policy14%
Types of Life Policies14%
Life Policy Provisions, Riders and Options21%
Taxes, Retirement, and Other Insurance Concepts9%
STATE LAW:
Florida Statutes, Rules, and Regulations Common to All Lines24%
Florida Statutes, Rules, and Regulations Pertinent to Life and Annuity Insurance, Including Variable Products18%
Florida Statutes, Rules, and Regulations Pertinent to Life and Annuity Insurance, Including Variable Products18%

Florida Health Insurance Examination
100 Total Questions (85 scored, 15 pretest)
Time Limit: 120 minutes
Passing score: 70%

PERCENTAGE OF EXAM
GENERAL KNOWLEDGE:
Field Underwriting Procedures11%
Types of Health Policies16%
Health Policy Provisions, Clauses, and Riders23%
Social Insurance4%
Other Health Insurance Concepts5%
STATE LAW:23%
Florida Statutes, Rules, and Regulations Common to All Lines23%
Florida Statutes, Rules, and Regulations Pertinent to Health Insurance18%

Florida Agent’s Health & Life (including Annuities & Variable Contracts) Insurance Examination
165 Total Questions (150 scored, 15 pretest)
Time Limit: 175 minutes
Passing score: 70%

PERCENTAGE OF EXAM
GENERAL KNOWLEDGE:
Completing the Application, Underwriting, and Delivering the Life Policy8%
Types of Life Policies8%
Life Policy Riders, Provisions, Options, and Exclusions12%
Taxes, Retirement, and Other Insurance Concepts5%
Field Underwriting Procedures6%
Types of Health Policies9%
Health Policy Provisions, Clauses, and Riders14%
Social Insurance2%
Other Health Insurance Concepts3%
STATE LAW:
Florida Statutes, Rules, and Regulations Common to All Lines13%
Florida Statutes, Rules, and Regulations Pertinent to Life and Annuity Insurance, Including Variable Products10%
Florida Statutes, Rules, and Regulations Pertinent to Health Insurance10%

Florida General Lines Insurance Examination
175 Total Questions (160 scored, 15 pretest)
Time Limit: 2 Hours 45 Minutes
Passing score: 70%

PERCENTAGE OF EXAM
GENERAL KNOWLEDGE:
Insurance Terms and Related Concepts18%
Provisions and Contract Law14%
Types of Property Policies16%
Types of Casualty Policies, Bonds, and Related Terms16%
STATE LAW:
Florida Statutes, Rules, and Regulations Common to All Lines15%
Florida Statutes, Rules, and Regulations Pertinent to General Lines Insurance15%
Florida Statutes, Rules, and Regulations Pertinent to Health Insurance6%

Please know that the Florida Statutes require candidates applying for a General Lines agent license to complete 200 hours of coursework in property, casualty, surety, health, and marine insurance, including 3 hours of ethics education. Completing this course and obtaining a certificate of completion satisfies that requirement.

Florida Personal Lines Examination
110 Total Questions (100 scored; 10 pretest)
Time Limit: 120 minutes
Passing score: 70%

PERCENTAGE OF EXAM
GENERAL KNOWLEDGE:
Insurance Terms and Related Concepts28%
Policy Provisions and Contract Law24%
Types of Property Policies10%
Types of Casualty Policies13%
STATE LAW:
Florida Statutes, Rules, and Regulations Common to All Lines15%
Florida Statutes, Rules, and Regulations Pertinent to Personal Lines Insurance10%