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FLORIDA HEALTH & LIFE 2-15 INSURANCE
EXAM Actual Exam 2026/2027 Complete
Questions and Verified Answers with Rationales
Pass Guaranteed - A+ Graded
SECTION 1: FLORIDA INSURANCE REGULATION (Questions 1-25)
Q1: A Florida 2-15 licensed agent is renewing their license. The agent has completed 20 hours of
continuing education, including 4 hours in ethics/law. What is the status of this agent's CE
compliance for license renewal in Florida?
A. Compliant, as 20 hours meets the minimum requirement
B. Non-compliant, because the agent needs 24 total hours including 5 hours of ethics/law.
[CORRECT]
C. Non-compliant, because the agent needs 30 total hours
D. Compliant, because the agent has met the ethics requirement
Correct Answer: B
Rationale: Florida law requires licensed health and life agents to complete 24 hours of continuing
education per biennial renewal period, including 5 hours of ethics/law (with 2 hours Florida-
specific update). This agent has only 20 total hours (B is correct). The ethics requirement is also
insufficient at 4 hours instead of 5. Options A, C, and D do not meet the requirements.
Q2: A new applicant for a Florida 2-15 license has completed 35 hours of pre-licensing education
for life insurance and 40 hours for health insurance. What is the status of this applicant's
education requirements?
A. Fully compliant, as the total hours exceed the minimum
B. Non-compliant for life insurance, as 40 hours are required including 4 hours ethics
[CORRECT]
C. Non-compliant for health insurance, as only 35 hours are required
D. Compliant, as the applicant can make up the difference after passing the exam
Correct Answer: B
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Rationale: Florida requires 40 hours of pre-licensing education for life insurance (including 4
hours of ethics) and 40 hours for health insurance (including 4 hours of ethics). The applicant is
short 5 hours on the life insurance side. The health insurance requirement is met, but the life
insurance education is incomplete (B is correct).
Q3: A Florida insurance agent moves from Miami to Orlando and fails to notify the Department
of Financial Services of the address change within 30 days. What is the potential consequence?
A. Automatic license suspension
B. Administrative penalty and potential disciplinary action [CORRECT]
C. No consequence as long as the agent updates before renewal
D. Mandatory 8-hour ethics course
Correct Answer: B
Rationale: Florida Statute 626.112 requires agents to notify the DFS of any address change
within 30 days. Failure to do so constitutes grounds for administrative penalties and disciplinary
action under Florida insurance regulations (B is correct). While not an automatic suspension, it is
a violation of licensing requirements.
Q4: Which of the following best describes the scope of authority for a Florida 2-15 licensed
agent?
A. Life insurance only
B. Life, health, disability, Medicare supplements, and long-term care insurance [CORRECT]
C. Life, health, property, and casualty insurance
D. All lines of insurance except surplus lines
Correct Answer: B
Rationale: The Florida 2-15 license specifically authorizes agents to sell life insurance, health
insurance, disability income insurance, Medicare supplement insurance, and long-term care
insurance (B is correct). Property and casualty insurance require separate licensing (2-20 or 2-
14).
Q5: An insurer terminates an agent's appointment in Florida. What is the insurer's responsibility
regarding notification to the Department of Financial Services?
A. Notify within 15 days of termination
B. Notify within 30 days of termination [CORRECT]
C. Notify only if the termination is for cause
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D. No notification required; the agent is responsible
Correct Answer: B
Rationale: Florida Administrative Code requires insurers to notify the Department of Financial
Services within 30 days of terminating an agent's appointment (B is correct). This ensures the
state's records remain current and protects consumers from dealing with unauthorized agents.
Q6: A Florida agent is convicted of a felony involving moral turpitude. What is the likely
outcome regarding their insurance license?
A. Automatic revocation after 60 days
B. Mandatory suspension pending hearing and likely revocation [CORRECT]
C. No action unless the felony involves insurance fraud
D. Probationary period with increased supervision
Correct Answer: B
Rationale: Under Florida Statute 626.611, conviction of a felony involving moral turpitude
constitutes grounds for license suspension or revocation. The DFS will typically suspend the
license pending administrative proceedings, with revocation being the likely outcome (B is
correct).
Q7: The Florida Life and Health Insurance Guaranty Association provides protection to
policyholders in which of the following situations?
A. When an insurer becomes insolvent [CORRECT]
B. When an agent commits errors and omissions
C. When a policyholder defaults on premium payments
D. When investment values in variable products decline
Correct Answer: A
Rationale: The Florida Life and Health Insurance Guaranty Association protects policyholders,
insureds, and beneficiaries against financial loss caused by the insolvency of a life or health
insurance company licensed in Florida (A is correct). It does not protect against agent errors,
policyholder defaults, or investment losses.
Q8: A Florida agent wishes to sell insurance on behalf of a new insurer. What must occur before
the agent can legally represent this company?
A. The agent must pass a supplemental exam
B. The insurer must file an appointment for the agent with the DFS [CORRECT]
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C. The agent must complete 10 additional hours of CE
D. The agent must wait until their next license renewal
Correct Answer: B
Rationale: Before a Florida agent can represent an insurer, the insurer must file an appointment
for that agent with the Department of Financial Services, and the appointment must be approved
(B is correct). No additional examination or CE is required for a new appointment.
Q9: Which Florida regulatory body is responsible for examining the financial condition of
insurance companies doing business in the state?
A. Department of Financial Services (DFS)
B. Office of Insurance Regulation (OIR) [CORRECT]
C. Florida Life and Health Insurance Guaranty Association
D. Department of Business and Professional Regulation
Correct Answer: B
Rationale: The Florida Office of Insurance Regulation (OIR) has authority over insurer solvency,
rate regulation, policy forms, and market conduct examinations (B is correct). The Department of
Financial Services (DFS) handles agent licensing and consumer protection, while the OIR
focuses on company financial health and market regulation.
Q10: A Florida agent's license is set to expire on April 30. The agent completes their continuing
education on May 15 of the same year. What is the consequence?
A. The license is automatically renewed with a late fee
B. The license lapses and the agent cannot transact business until reinstated [CORRECT]
C. The CE is applied to the next renewal period
D. The agent has a 90-day grace period to complete CE
Correct Answer: B
Rationale: Florida insurance licenses expire if continuing education is not completed by the
renewal date. There is no grace period for CE completion. The license lapses, and the agent
cannot legally transact insurance business until the CE is completed and the license is reinstated
(B is correct).
Q11: An applicant for a Florida 2-15 license has a prior felony conviction for insurance fraud
from 10 years ago. What is the likely outcome of their application?
A. Automatic denial regardless of time elapsed
FLORIDA HEALTH & LIFE 2-15 INSURANCE
EXAM Actual Exam 2026/2027 Complete
Questions and Verified Answers with Rationales
Pass Guaranteed - A+ Graded
SECTION 1: FLORIDA INSURANCE REGULATION (Questions 1-25)
Q1: A Florida 2-15 licensed agent is renewing their license. The agent has completed 20 hours of
continuing education, including 4 hours in ethics/law. What is the status of this agent's CE
compliance for license renewal in Florida?
A. Compliant, as 20 hours meets the minimum requirement
B. Non-compliant, because the agent needs 24 total hours including 5 hours of ethics/law.
[CORRECT]
C. Non-compliant, because the agent needs 30 total hours
D. Compliant, because the agent has met the ethics requirement
Correct Answer: B
Rationale: Florida law requires licensed health and life agents to complete 24 hours of continuing
education per biennial renewal period, including 5 hours of ethics/law (with 2 hours Florida-
specific update). This agent has only 20 total hours (B is correct). The ethics requirement is also
insufficient at 4 hours instead of 5. Options A, C, and D do not meet the requirements.
Q2: A new applicant for a Florida 2-15 license has completed 35 hours of pre-licensing education
for life insurance and 40 hours for health insurance. What is the status of this applicant's
education requirements?
A. Fully compliant, as the total hours exceed the minimum
B. Non-compliant for life insurance, as 40 hours are required including 4 hours ethics
[CORRECT]
C. Non-compliant for health insurance, as only 35 hours are required
D. Compliant, as the applicant can make up the difference after passing the exam
Correct Answer: B
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Rationale: Florida requires 40 hours of pre-licensing education for life insurance (including 4
hours of ethics) and 40 hours for health insurance (including 4 hours of ethics). The applicant is
short 5 hours on the life insurance side. The health insurance requirement is met, but the life
insurance education is incomplete (B is correct).
Q3: A Florida insurance agent moves from Miami to Orlando and fails to notify the Department
of Financial Services of the address change within 30 days. What is the potential consequence?
A. Automatic license suspension
B. Administrative penalty and potential disciplinary action [CORRECT]
C. No consequence as long as the agent updates before renewal
D. Mandatory 8-hour ethics course
Correct Answer: B
Rationale: Florida Statute 626.112 requires agents to notify the DFS of any address change
within 30 days. Failure to do so constitutes grounds for administrative penalties and disciplinary
action under Florida insurance regulations (B is correct). While not an automatic suspension, it is
a violation of licensing requirements.
Q4: Which of the following best describes the scope of authority for a Florida 2-15 licensed
agent?
A. Life insurance only
B. Life, health, disability, Medicare supplements, and long-term care insurance [CORRECT]
C. Life, health, property, and casualty insurance
D. All lines of insurance except surplus lines
Correct Answer: B
Rationale: The Florida 2-15 license specifically authorizes agents to sell life insurance, health
insurance, disability income insurance, Medicare supplement insurance, and long-term care
insurance (B is correct). Property and casualty insurance require separate licensing (2-20 or 2-
14).
Q5: An insurer terminates an agent's appointment in Florida. What is the insurer's responsibility
regarding notification to the Department of Financial Services?
A. Notify within 15 days of termination
B. Notify within 30 days of termination [CORRECT]
C. Notify only if the termination is for cause
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D. No notification required; the agent is responsible
Correct Answer: B
Rationale: Florida Administrative Code requires insurers to notify the Department of Financial
Services within 30 days of terminating an agent's appointment (B is correct). This ensures the
state's records remain current and protects consumers from dealing with unauthorized agents.
Q6: A Florida agent is convicted of a felony involving moral turpitude. What is the likely
outcome regarding their insurance license?
A. Automatic revocation after 60 days
B. Mandatory suspension pending hearing and likely revocation [CORRECT]
C. No action unless the felony involves insurance fraud
D. Probationary period with increased supervision
Correct Answer: B
Rationale: Under Florida Statute 626.611, conviction of a felony involving moral turpitude
constitutes grounds for license suspension or revocation. The DFS will typically suspend the
license pending administrative proceedings, with revocation being the likely outcome (B is
correct).
Q7: The Florida Life and Health Insurance Guaranty Association provides protection to
policyholders in which of the following situations?
A. When an insurer becomes insolvent [CORRECT]
B. When an agent commits errors and omissions
C. When a policyholder defaults on premium payments
D. When investment values in variable products decline
Correct Answer: A
Rationale: The Florida Life and Health Insurance Guaranty Association protects policyholders,
insureds, and beneficiaries against financial loss caused by the insolvency of a life or health
insurance company licensed in Florida (A is correct). It does not protect against agent errors,
policyholder defaults, or investment losses.
Q8: A Florida agent wishes to sell insurance on behalf of a new insurer. What must occur before
the agent can legally represent this company?
A. The agent must pass a supplemental exam
B. The insurer must file an appointment for the agent with the DFS [CORRECT]
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C. The agent must complete 10 additional hours of CE
D. The agent must wait until their next license renewal
Correct Answer: B
Rationale: Before a Florida agent can represent an insurer, the insurer must file an appointment
for that agent with the Department of Financial Services, and the appointment must be approved
(B is correct). No additional examination or CE is required for a new appointment.
Q9: Which Florida regulatory body is responsible for examining the financial condition of
insurance companies doing business in the state?
A. Department of Financial Services (DFS)
B. Office of Insurance Regulation (OIR) [CORRECT]
C. Florida Life and Health Insurance Guaranty Association
D. Department of Business and Professional Regulation
Correct Answer: B
Rationale: The Florida Office of Insurance Regulation (OIR) has authority over insurer solvency,
rate regulation, policy forms, and market conduct examinations (B is correct). The Department of
Financial Services (DFS) handles agent licensing and consumer protection, while the OIR
focuses on company financial health and market regulation.
Q10: A Florida agent's license is set to expire on April 30. The agent completes their continuing
education on May 15 of the same year. What is the consequence?
A. The license is automatically renewed with a late fee
B. The license lapses and the agent cannot transact business until reinstated [CORRECT]
C. The CE is applied to the next renewal period
D. The agent has a 90-day grace period to complete CE
Correct Answer: B
Rationale: Florida insurance licenses expire if continuing education is not completed by the
renewal date. There is no grace period for CE completion. The license lapses, and the agent
cannot legally transact insurance business until the CE is completed and the license is reinstated
(B is correct).
Q11: An applicant for a Florida 2-15 license has a prior felony conviction for insurance fraud
from 10 years ago. What is the likely outcome of their application?
A. Automatic denial regardless of time elapsed
