FLORIDA DEPARTMENT OF FINANCIAL SERVICES
Florida Health and Life Insurance Exam
Official Practice Exam - 2026/2027 Edition
Accurate Real Exam Questions with Verified Answers | DFS Test Bank
Questions: 100 | Minutes: 90 | Passing Score: 80% | Sections: 5
Table of Contents
Section 1 Insurance Regulation & Law 20 Questions (Q1-Q20)
Section 2 General Insurance Concepts 20 Questions (Q21-Q40)
Section 3 Life Insurance Policies & Provisions 25 Questions (Q41-Q65)
Section 4 Health Insurance Policies & Provisions 20 Questions (Q66-Q85)
Section 5 Florida Statutes & Rules 15 Questions (Q86-Q100)
Instructions
This practice exam contains 100 multiple-choice questions divided into 5 sections. You have 90 minutes to
complete the entire exam. A passing score of 80% (80 out of 100) is required. Select the single best answer for
each question. Each question has four answer choices, and only one is correct. Review the rationale provided
after each question to understand the reasoning behind the correct answer. Use the answer key at the end to
check your responses and calculate your score.
Good luck on your exam preparation!
FL Health & Life Insurance -- 2026/2027 | Passing Score: 80% | Page 1 of 53
, Section 1: Insurance Regulation & Law
Q1 Question 1 of 100
Maria, a 34-year-old resident of Tampa, recently passed her Florida 2-15 license exam and is
preparing to submit her application to the Department of Financial Services. She wants to know the
primary regulatory body that oversees insurance agent licensing in Florida. The entity responsible for
agent licensing and discipline is the:
A) Florida Office of Insurance Regulation (OIR)
B) National Association of Insurance Commissioners (NAIC)
C) Florida Financial Services Commission (FSC)
D) Florida Department of Financial Services (DFS)
Correct Answer: D
Rationale:
The Florida Department of Financial Services (DFS) is the agency that handles agent licensing, appointments, and
discipline. The OIR regulates insurance companies and rates, not individual agents. The NAIC is a national advisory
body with no direct licensing authority in Florida.
Q2 Question 2 of 100
James, a licensed 2-40 health-only agent in Orlando, decides he also wants to sell life insurance
policies. He asks his manager what additional licensing steps he must complete. Under Florida law,
the correct path for James is to:
A) Apply for a separate 2-18 license and complete 60 hours of pre-licensing education
B) Complete 40 hours of continuing education in life insurance topics and file a notice with the OIR
C) Submit a license endorsement request to the DFS with no additional exam required
D) Upgrade to a 2-15 license by completing the additional pre-licensing education and passing the
2-15 exam
Correct Answer: D
, Rationale:
A 2-15 license authorizes both life and health insurance. To add life authority to a 2-40, James must complete the 2-15
pre-licensing education and pass the 2-15 exam. A separate 2-18 license is for bail bonds, not life insurance, and no
endorsement or CE-only path exists for this change.
Q3 Question 3 of 100
Priya, age 29, is applying for her first insurance agent license in Florida. She has completed her
pre-licensing education and passed the state exam but wonders about the background check
requirement. Florida law requires all new license applicants to:
A) Submit two personal references and a credit report to the DFS
B) Complete a voluntary self-disclosure form but not submit fingerprints unless requested
C) Obtain a sworn affidavit from a currently licensed agent attesting to her good character
D) Undergo fingerprinting and a criminal background check through the Florida Department of Law
Enforcement and the FBI
Correct Answer: D
Rationale:
Florida requires all new license applicants to submit fingerprints for a criminal background check through both FDLE
and the FBI. Personal references, credit reports, and affidavits are not statutory requirements for licensing.
Fingerprinting is mandatory, not voluntary.
Q4 Question 4 of 100
Carlos, a licensed agent in Miami, let his appointment with an insurer expire 180 days ago. He now
wishes to become reappointed with the same insurer. Under Florida law, an agent whose
appointment has been terminated for more than 90 days must:
A) Simply pay the appointment fee and the appointment will be reinstated automatically
B) Wait one full year from the termination date before requesting reappointment
C) Complete 24 additional hours of continuing education before reappointment is allowed
D) Reapply for appointment and meet all current appointment requirements as if it were a new
appointment
Correct Answer: D
FL Health & Life Insurance -- 2026/2027 | Passing Score: 80% | Page 2 of 53
, Rationale:
When an appointment has been terminated for more than 90 days, the agent must reapply and satisfy all current
appointment requirements as a new appointment. There is no automatic reinstatement, no extra CE requirement
beyond normal renewal, and no mandatory one-year waiting period.
Q5 Question 5 of 100
A new insurance agency in Jacksonville is preparing to open its doors. The agency will employ three
licensed agents and sell both life and health products. Regarding agency licensing in Florida, the
agency must:
A) Obtain an agency license from the DFS only if it has more than five agents
B) Register with the OIR but does not need a separate DFS agency license
C) Operate under the personal license of the agency's principal agent without a separate agency license
D) Obtain an agency license from the DFS before transacting any insurance business
Correct Answer: D
Rationale:
Florida law requires every insurance agency to obtain an agency license from the DFS before transacting insurance
business. There is no exemption based on the number of agents, and operating under an individual's license is not
permitted. The OIR does not issue agency licenses.
Q6 Question 6 of 100
Diane, an unlicensed individual in Fort Lauderdale, has been helping her neighbor fill out insurance
applications and accepting premium payments on behalf of a local agency. A DFS investigator
discovers this activity. The maximum penalty Diane could face for transacting insurance without a
license in Florida is:
A) A civil fine of up to $500 per violation and a cease and desist order
B) A written warning from the DFS and mandatory pre-licensing education completion
C) A criminal penalty of up to five years in prison and a fine up to $5,000 per violation
D) A civil fine of $1,000 and community service at a licensed agency
Correct Answer: C
FL Health & Life Insurance -- 2026/2027 | Passing Score: 80% | Page 3 of 53
Florida Health and Life Insurance Exam
Official Practice Exam - 2026/2027 Edition
Accurate Real Exam Questions with Verified Answers | DFS Test Bank
Questions: 100 | Minutes: 90 | Passing Score: 80% | Sections: 5
Table of Contents
Section 1 Insurance Regulation & Law 20 Questions (Q1-Q20)
Section 2 General Insurance Concepts 20 Questions (Q21-Q40)
Section 3 Life Insurance Policies & Provisions 25 Questions (Q41-Q65)
Section 4 Health Insurance Policies & Provisions 20 Questions (Q66-Q85)
Section 5 Florida Statutes & Rules 15 Questions (Q86-Q100)
Instructions
This practice exam contains 100 multiple-choice questions divided into 5 sections. You have 90 minutes to
complete the entire exam. A passing score of 80% (80 out of 100) is required. Select the single best answer for
each question. Each question has four answer choices, and only one is correct. Review the rationale provided
after each question to understand the reasoning behind the correct answer. Use the answer key at the end to
check your responses and calculate your score.
Good luck on your exam preparation!
FL Health & Life Insurance -- 2026/2027 | Passing Score: 80% | Page 1 of 53
, Section 1: Insurance Regulation & Law
Q1 Question 1 of 100
Maria, a 34-year-old resident of Tampa, recently passed her Florida 2-15 license exam and is
preparing to submit her application to the Department of Financial Services. She wants to know the
primary regulatory body that oversees insurance agent licensing in Florida. The entity responsible for
agent licensing and discipline is the:
A) Florida Office of Insurance Regulation (OIR)
B) National Association of Insurance Commissioners (NAIC)
C) Florida Financial Services Commission (FSC)
D) Florida Department of Financial Services (DFS)
Correct Answer: D
Rationale:
The Florida Department of Financial Services (DFS) is the agency that handles agent licensing, appointments, and
discipline. The OIR regulates insurance companies and rates, not individual agents. The NAIC is a national advisory
body with no direct licensing authority in Florida.
Q2 Question 2 of 100
James, a licensed 2-40 health-only agent in Orlando, decides he also wants to sell life insurance
policies. He asks his manager what additional licensing steps he must complete. Under Florida law,
the correct path for James is to:
A) Apply for a separate 2-18 license and complete 60 hours of pre-licensing education
B) Complete 40 hours of continuing education in life insurance topics and file a notice with the OIR
C) Submit a license endorsement request to the DFS with no additional exam required
D) Upgrade to a 2-15 license by completing the additional pre-licensing education and passing the
2-15 exam
Correct Answer: D
, Rationale:
A 2-15 license authorizes both life and health insurance. To add life authority to a 2-40, James must complete the 2-15
pre-licensing education and pass the 2-15 exam. A separate 2-18 license is for bail bonds, not life insurance, and no
endorsement or CE-only path exists for this change.
Q3 Question 3 of 100
Priya, age 29, is applying for her first insurance agent license in Florida. She has completed her
pre-licensing education and passed the state exam but wonders about the background check
requirement. Florida law requires all new license applicants to:
A) Submit two personal references and a credit report to the DFS
B) Complete a voluntary self-disclosure form but not submit fingerprints unless requested
C) Obtain a sworn affidavit from a currently licensed agent attesting to her good character
D) Undergo fingerprinting and a criminal background check through the Florida Department of Law
Enforcement and the FBI
Correct Answer: D
Rationale:
Florida requires all new license applicants to submit fingerprints for a criminal background check through both FDLE
and the FBI. Personal references, credit reports, and affidavits are not statutory requirements for licensing.
Fingerprinting is mandatory, not voluntary.
Q4 Question 4 of 100
Carlos, a licensed agent in Miami, let his appointment with an insurer expire 180 days ago. He now
wishes to become reappointed with the same insurer. Under Florida law, an agent whose
appointment has been terminated for more than 90 days must:
A) Simply pay the appointment fee and the appointment will be reinstated automatically
B) Wait one full year from the termination date before requesting reappointment
C) Complete 24 additional hours of continuing education before reappointment is allowed
D) Reapply for appointment and meet all current appointment requirements as if it were a new
appointment
Correct Answer: D
FL Health & Life Insurance -- 2026/2027 | Passing Score: 80% | Page 2 of 53
, Rationale:
When an appointment has been terminated for more than 90 days, the agent must reapply and satisfy all current
appointment requirements as a new appointment. There is no automatic reinstatement, no extra CE requirement
beyond normal renewal, and no mandatory one-year waiting period.
Q5 Question 5 of 100
A new insurance agency in Jacksonville is preparing to open its doors. The agency will employ three
licensed agents and sell both life and health products. Regarding agency licensing in Florida, the
agency must:
A) Obtain an agency license from the DFS only if it has more than five agents
B) Register with the OIR but does not need a separate DFS agency license
C) Operate under the personal license of the agency's principal agent without a separate agency license
D) Obtain an agency license from the DFS before transacting any insurance business
Correct Answer: D
Rationale:
Florida law requires every insurance agency to obtain an agency license from the DFS before transacting insurance
business. There is no exemption based on the number of agents, and operating under an individual's license is not
permitted. The OIR does not issue agency licenses.
Q6 Question 6 of 100
Diane, an unlicensed individual in Fort Lauderdale, has been helping her neighbor fill out insurance
applications and accepting premium payments on behalf of a local agency. A DFS investigator
discovers this activity. The maximum penalty Diane could face for transacting insurance without a
license in Florida is:
A) A civil fine of up to $500 per violation and a cease and desist order
B) A written warning from the DFS and mandatory pre-licensing education completion
C) A criminal penalty of up to five years in prison and a fine up to $5,000 per violation
D) A civil fine of $1,000 and community service at a licensed agency
Correct Answer: C
FL Health & Life Insurance -- 2026/2027 | Passing Score: 80% | Page 3 of 53
