Is the Florida insurance exam hard?


Editorial team Published on

The Florida insurance exam is moderately difficult and requires dedicated study, with a passing score of 70% required across all lines of authority.

While opinions on Facebook groups are mixed—some candidates find it manageable while others consider it tough—everyone agrees it is not a test you can pass on common sense alone without preparation.

What Makes It Challenging

  • Florida-Specific Laws: State laws and regulations make up a large portion of the exam (roughly 33% to 42% depending on the specific license). Many test-takers fail because they focus only on general insurance concepts and neglect state rules.
  • Tricky Wording: Questions use scenario-based wording and similar answer choices designed to test real-world application rather than simple memorization.
  • Exam Length: For example, the popular 2-15 Health & Life exam contains 165 total questions (150 scored) with a 2-hour and 45-minute time limit.

Passing Scores and Exam Format

  • Passing Grade: 70% is required for all exams.
  • Administration: Tests are administered on a computer by Pearson VUE on behalf of the Florida Department of Financial Services (DFS), and you get your results immediately on-screen.
  • Unscored Questions: Exams include a mix of unscored "pretest" questions alongside scored ones, but they are not labeled, so you must treat every question as counts.

How to Prepare

  • Study Time: Most successful candidates spend 2 to 4 weeks of structured study (about 35 to 40 total hours) after finishing their required pre-licensing education.
  • Focus Areas: Dedicate extra time to the Florida Insurance Code and DFS regulations rather than just general principles.
  • Practice Tests: Take timed practice exams repeatedly until you consistently score well above 70%.