A Florida agent has held a license for 8 years. How many elective continuing education hours does F.S. 626.2815 require every 2 years?F.S. 626.2815(3)(b)
A Florida agent is disciplined by another state's regulator. Within how many days after final disposition must a copy of the order reach the department?F.S. 626.536
A Florida agent's license is revoked over the sale of a product to a person 65 or older. What does F.S. 626.641 say about a later license?F.S. 626.641
After notice that an agent's appointment has ended is filed, how long does a Florida insurer have to file its statement of reasons under F.S. 626.511?F.S. 626.511(2)
After the first renewal, how often must a Florida agent's appointment be renewed under F.S. 626.381?F.S. 626.381(1)
Besides the update course, how many elective continuing education hours must a Florida agent licensed for fewer than 6 years complete every 2 years?F.S. 626.2815(3)(a)
How long is the update course that F.S. 626.2815 requires a Florida agent to complete every 2 years?F.S. 626.2815(3)
How long must a Florida agent keep the records of premium payments that F.S. 626.561 requires?F.S. 626.561
Show all 91 questions (83 more)
Agent licensing and continuing education, continued
How many hours of a Florida life agent applicant's prelicensing coursework must be on ethics under F.S. 626.7851?F.S. 626.7851(1)
How many hours of coursework in health insurance does F.S. 626.8311 ask of a Florida health agent applicant?F.S. 626.8311
How many hours of coursework in life insurance, annuities and variable contracts does F.S. 626.7851 ask of a Florida life agent applicant?F.S. 626.7851(1)
How old must a person be to qualify for a Florida life agent license under F.S. 626.785?F.S. 626.785
In place of suspension, what is the most the department may fine a Florida agent for one willful violation under F.S. 626.681?F.S. 626.681(1)
Over what period does F.S. 626.830 compare a Florida health agent's controlled business with the agent's other business?F.S. 626.830(3)
Under F.S. 626.2815, what happens to continuing education hours a Florida agent earns beyond the required number?F.S. 626.2815(3)(g)
Under F.S. 626.561, in what capacity does a Florida agent hold premiums received for an insurer?F.S. 626.561(1)
Under F.S. 626.785, an employee of which body cannot be licensed as a Florida life agent?F.S. 626.785
What crime does a person commit by knowingly transacting insurance in Florida without a license, under F.S. 626.112?F.S. 626.112
What is the longest period for which the department may suspend a Florida agent's license under F.S. 626.641?F.S. 626.641
What is the most the department may fine a Florida licensee for a first failure to report a change of address under F.S. 626.551?F.S. 626.551
When may a Florida life agent place coverage that names the agent as beneficiary on the life of a person outside the agent's family?F.S. 626.798(1)
With no contract term or disciplinary ground in play, how much advance written notice must an appointing entity give a Florida agent before ending the appointment?F.S. 626.471(1)
Within how many days must a Florida licensee tell the department in writing of a change of name, address, phone number or e-mail address?F.S. 626.551
Within how many years before applying must a Florida life agent applicant have completed the prelicensing coursework?F.S. 626.7851
Life policy provisions 21
A Florida life application offers an automatic premium loan option and the applicant says nothing. How does F.S. 627.4556 treat the option?F.S. 627.4556
A Florida life policy states the insured's age wrongly. What does F.S. 627.456 make payable?F.S. 627.456
A lapsed Florida life policy is reinstated under F.S. 627.459. Interest on the overdue premiums, compounded annually, may run at no more than what rate?F.S. 627.459
A premium on a Florida life policy is in default. Within how many days after its due date may the owner request the paid-up nonforfeiture benefit under F.S. 627.476?F.S. 627.476
After how many years from its date of issue does a Florida life policy become incontestable under F.S. 627.455?F.S. 627.455
An employer pays the whole premium for a Florida group life policy. Besides those found uninsurable, whom may the policy leave out under F.S. 627.552?F.S. 627.552(2)
Before a Florida life policy ends because its loans have reached the loan value, how much mailed notice does F.S. 627.458 require?F.S. 627.458(2)
By the end of which policy year must a participating Florida life policy begin to share in the insurer's divisible surplus?F.S. 627.457
For how long may a Florida life insurer defer a policy loan that is not for paying premiums, under F.S. 627.458?F.S. 627.458(3)
From what date must interest be added to lump-sum death proceeds of a Florida life policy under F.S. 627.4615?F.S. 627.4615
How does F.S. 627.409 treat a statement made in an application for a Florida life policy?F.S. 627.409(1)
How long before a covered Florida life policy lapses must the insurer mail the notice required by F.S. 627.4555?F.S. 627.4555
The secondary lapse notice of F.S. 627.4555 protects Florida life insureds from what age?F.S. 627.4555
Under F.S. 627.404, when must an insurable interest exist for a Florida life insurance contract?F.S. 627.404(1)
Under F.S. 627.4585, how often at most may a Florida life insurer reset an adjustable policy loan interest rate?F.S. 627.4585
What is the highest fixed policy loan interest rate F.S. 627.4585 allows in a Florida life policy?F.S. 627.4585
What is the highest yearly interest rate a Florida life insurer may charge on a premium paid during the grace period?F.S. 627.453
What is the shortest grace period F.S. 627.453 allows in a Florida life insurance contract?F.S. 627.453
When is reinstatement under F.S. 627.459 closed to the owner of a lapsed Florida life policy?F.S. 627.459
Which ground may a Florida life insurer still raise after the policy has become incontestable under F.S. 627.455?F.S. 627.455
Within how many years after default may a lapsed Florida life policy be reinstated under F.S. 627.459?F.S. 627.459
Annuities, surrender and solicitation 11
A Florida agent recommends surrendering an annuity and buying nothing in its place. What must the agent give the owner before the surrender, under F.S. 627.4553?F.S. 627.4553
A Florida life insurer may hand over the buyer's guide with the policy, instead of before the first premium, when the policy gives an unconditional refund of at least how long?F.S. 626.99(4)(a)
Does the annuity training course of F.S. 627.4554 count as part of a Florida agent's continuing education requirement?F.S. 627.4554
For how long after an annuity transaction must the records of a recommendation be kept in Florida under F.S. 627.4554?F.S. 627.4554
How long is the one-time annuity training course F.S. 627.4554 requires of a Florida agent who sells annuities?F.S. 627.4554
Under F.S. 627.4554, how far back must a Florida agent look for earlier annuity exchanges or replacements when recommending another?F.S. 627.4554
What is the shortest unconditional refund period F.S. 626.99 requires for a fixed or variable annuity sold in Florida?F.S. 626.99(4)(b)
What must a Florida life agent tell a prospect before starting a sales presentation, under F.S. 626.99?F.S. 626.99
What standard must a Florida agent meet when recommending an annuity under F.S. 627.4554?F.S. 627.4554
What title must a Florida life insurance policy summary carry under F.S. 626.99?F.S. 626.99
Which item is on the list of surrender information a Florida agent must put in writing under F.S. 627.4553?F.S. 627.4553
Accident and health provisions 17
A Florida health insurer need not allow a grace period if it gave written notice of its intent not to renew at least how long before the premium due date?F.S. 627.608
A Florida health insurer takes a reinstatement application, gives a conditional receipt and sends no disapproval. On which day is the policy reinstated?F.S. 627.609
A Florida policyholder cancels a health policy midterm. How does F.S. 627.6043 compute the earned premium?F.S. 627.6043
A reinstated Florida health policy covers only sickness that begins more than how many days after the reinstatement date?F.S. 627.609
After how many years may a Florida health insurer use only fraudulent misstatements in the application to void a policy, under F.S. 627.607?F.S. 627.607
After what point does the legal actions provision of F.S. 627.616 bar a suit on a Florida health policy?F.S. 627.616
For which reasons may a Florida Medicare supplement policy be canceled or nonrenewed under F.S. 627.6741?F.S. 627.6741
From what moment does a Florida family health policy cover an adopted child who is placed after birth, under F.S. 627.6415?F.S. 627.6415
How long is the free look F.S. 627.9407 gives the buyer of a Florida long-term care policy?F.S. 627.9407
How much advance written notice of cancellation or nonrenewal must a Florida health insurer give under F.S. 627.6043, when the reason is not nonpayment?F.S. 627.6043
How much written notice must a Florida health insurer give before canceling a policy for nonpayment of premium under F.S. 627.6043?F.S. 627.6043
Under F.S. 627.9407, a Florida long-term care policy may treat a condition as preexisting only if advice or treatment came within how long before coverage began?F.S. 627.9407
Under the optional payment clause in F.S. 627.614, how much may a Florida health insurer pay to a relative of a beneficiary who cannot give a valid release?F.S. 627.614
What is the outside limit F.S. 627.613 sets for a Florida health insurer to pay or deny a claim after receiving it?F.S. 627.613
What is the shortest grace period F.S. 627.608 allows for a Florida health policy with monthly premiums?F.S. 627.608
Who must approve a change to a Florida health policy before it is valid, under the entire contract provision of F.S. 627.606?F.S. 627.606
Within how many days of receiving a claim must a Florida health insurer pay it or contest it in writing under F.S. 627.613?F.S. 627.613
Unfair trade practices 10
A Florida agent tells an applicant that an optional ancillary coverage is required by law. Which unfair practice in F.S. 626.9541 is this?F.S. 626.9541(1)(z)
In Florida, which unfair practice is using misleading comparisons to induce a person to drop a policy and take one out with another insurer?F.S. 626.9541(1)(l)
In Florida, which unfair practice uses the values of a life policy or annuity to buy another from the same insurer so the agent earns compensation?F.S. 626.9541(1)(aa)
Outside the special cases, what is the highest fine for one nonwillful violation of Florida's unfair insurance trade practices law?F.S. 626.9521(2)
What crime does a person commit by willfully submitting fraudulent signatures on a Florida insurance application?F.S. 626.9521(3)(b)
What crime is twisting or churning under F.S. 626.9521?F.S. 626.9521(3)(a)
What is the cap on fines against a Florida insurer for all willful unfair-practice violations arising out of the same action, under F.S. 626.9521(2)?F.S. 626.9521(2)
What is the highest administrative fine for one willful act of twisting in Florida under F.S. 626.9521?F.S. 626.9521(3)(a)
What is the highest total value of gifts a Florida agent may give one insured or prospect in a calendar year under F.S. 626.9541?F.S. 626.9541(1)(m)
What must the practice involve before Florida may impose the willful-level fine for twisting or churning?F.S. 626.9521(3)(a)
Guaranty association 8
A Florida life insurer is insolvent. Up to what amount does F.S. 631.717 cover net cash surrender and withdrawal values of life insurance on one life?F.S. 631.717(12)(a)
How many accounts does the Florida Life and Health Insurance Guaranty Association keep under F.S. 631.715?F.S. 631.715(2)(a)
Is the Florida guaranty association liable for penalties or interest owed by an insolvent insurer, under F.S. 631.717?F.S. 631.717(12)
May a Florida agent point to the guaranty association's protection to help sell a policy, under F.S. 631.735?F.S. 631.735
What is the Florida guaranty association's limit for one life for benefits under a long-term care policy?F.S. 631.717(12)(c)
What is the Florida guaranty association's limit for one life in cash values of deferred annuity contracts?F.S. 631.717(12)(b)
What is the Florida guaranty association's limit for one life under a major medical expense policy?F.S. 631.717(12)(d)
What kind of body is the Florida Life and Health Insurance Guaranty Association under F.S. 631.715?F.S. 631.715
How this list was compiled: The 2026 Florida Statutes, chapters 626, 627 and 631, on Online Sunshine, the Florida Legislature's own site (https://www.leg.state.fl.us/statutes/). Each question names its section and links to it. Read 2026-10-04. Licence: Own work. Every question, wrong choice and explanation was written for this site from the statute text. Nothing comes from a testing vendor, a prep course or an exam question pool.
How it works
This unofficial practice bank asks Florida insurance law only: 91 free questions for the Florida life and health state exam, written from Florida Statutes chapters 626, 627 and 631. Policy types, underwriting and textbook theory are left out.
Read the full guide
What the Florida law questions cover
Six groups: agent licensing and continuing education, life policy provisions the statutes require, annuities and solicitation, accident and health provisions, unfair trade practices, and the guaranty association. Use the topic filter to drill one group; missed questions collect in their own pile.
A Florida 2-15 license practice exam, free and law only
The Florida Department of Financial Services lists the resident license class Health & Life (Including Annuities & Variable Contracts) as 2-15. This page is not the department's exam. Each answer shows its section of the statutes.
Life grace period: 30 days (627.453). Health policy with monthly premiums: 10 days (627.608).
Every 2 years: a 4-hour update course plus 20 elective hours, or 16 once licensed 6 years (626.2815).
Twisting moves a policy to another insurer; churning uses values inside the same insurer (626.9541).
Questions and answers
Is there a free Florida life and health practice exam?
This page is one: 91 free practice questions on Florida insurance law, written from Florida Statutes chapters 626, 627 and 631, with the section under every answer. It is unofficial and is not the state exam.
How many questions are on the Florida life and health test?
This page does not say. No statute read for this bank sets the exam's length, time limit or pass mark, so none is given here. The 25 questions drawn in exam mode are only a set size.
How many continuing education hours does a Florida 2-15 agent need?
A 4-hour update course every 2 years, plus 20 hours of elective courses. An agent licensed for 6 or more years needs 16 elective hours instead of 20. The rule is F.S. 626.2815(3).
Are these the real Florida state exam questions?
No. This site has never seen the state exam. The questions were written from the Florida Statutes, and the Florida Department of Financial Services did not write or review them.