Florida life and health practice exam
Free life and health practice for the Florida producer exam: 273 general questions plus 9 Florida state law questions, each with an explanation.
Florida state law questions
Every Florida question with its answer, explanation, and the law it comes from.
Licensing and CE
1. A Florida agent licensed for fewer than 6 years must complete how many CE hours every 2 years?
- 24 hours: a 4-hour update course plus 20 elective hours
- 30 hours, including 5 hours of ethics
- 24 hours of electives only
- 20 hours: a 4-hour update course plus 16 elective hours
Show answer
Fla. Stat. 626.2815. Agents licensed 6 or more years need 20 hours (4-hour update plus 16 elective).
2. A Florida agent who has been licensed for 6 or more years must complete how many total CE hours every 2 years?
- No CE is required
- 20 hours, including the 4-hour update course
- 24 hours, including the 4-hour update course
- 10 hours
Show answer
Fla. Stat. 626.2815.
3. A Florida licensee must notify the Department of Financial Services in writing of a change of address within:
- 60 days
- 30 days
- 10 days
- 90 days
Show answer
Fla. Stat. 626.551. A first violation can bring a fine of up to $250.
4. A Florida licensee must report a final administrative action taken against them by another regulator within:
- 30 days after the final disposition
- 10 days after the action begins
- At the next license renewal
- 60 days after the final disposition
Show answer
Fla. Stat. 626.536.
Life Policy Provisions
1. Florida requires an insurance contract to provide a grace period for premiums after the first of not less than:
- 60 days
- 31 days
- 30 days
- 10 days
Show answer
Fla. Stat. 627.453.
2. For certain Florida life policies covering insureds age 64 or older, the insurer must mail a lapse notice to the owner and a secondary addressee at least how long before the lapse?
- 30 days
- 10 days
- 60 days
- 21 days
Show answer
Fla. Stat. 627.4555 requires notice to a designated secondary addressee.
Annuities
1. An annuity issued to a Florida consumer age 65 or older may not have a surrender charge that exceeds:
- 25% of the contract value
- 20% of the amount withdrawn
- 5% of the amount withdrawn
- 10% of the amount withdrawn, and it must end after the 10th policy year
Show answer
Fla. Stat. 627.4554.
Guaranty Association
1. The Florida Life and Health Insurance Guaranty Association covers life insurance cash surrender values up to:
- $50,000
- $100,000
- $300,000
- $250,000
Show answer
Fla. Stat. 631.717. Other covered benefits, including death benefits, are limited to $300,000.
2. The Florida guaranty association covers the cash surrender value of deferred annuities up to:
- $500,000
- $100,000
- $250,000
- $300,000
Show answer
Fla. Stat. 631.717.
Keep studying
The general topics make up most of the exam.
Florida exam questions
How much of the Florida life and health exam is state law?
State law is usually around 20 to 30 percent of a state's producer exam. Check the Florida candidate handbook from your testing provider for the exact content outline.
What does the Florida state law section cover?
Common areas include licensing and continuing education, required policy provisions, replacement rules, and the guaranty association. This page covers: licensing and ce, life policy provisions, annuities, guaranty association.
Where do these state questions come from?
Each state question is written from the state's statutes, regulations, or insurance department guidance, and the source is linked under the answer so you can read it yourself.
Do I still need the general questions?
Yes. Most of the exam is general life and health knowledge. The full exam option here mixes 273 general questions with the Florida state law questions.