The Florida 2-15 Life, Health and Variable Annuity exam is available year-round at Pearson VUE testing centers across Florida — there are no fixed annual dates. The exam fee is $44 per attempt. You need a 70% score on 150 scored questions to pass. As of February 16, 2024, all Florida insurance exams are in-person only — online testing has been permanently discontinued. Schedule at pearsonvue.com/fl/insurance or call 1-888-274-2020.
If you are working toward your Florida insurance license in 2026, the exam schedule is more flexible than most candidates expect.
You do not register for a specific annual test date months in advance. You complete your pre-license course, schedule through Pearson VUE, and pick the date that works for you.
Here is everything you need — fees, locations, what is on the exam, and how to pass it the first time.
Florida 2-15 Exam — Key Facts at a Glance
| Detail | Information |
|---|---|
| Exam Name | Florida 2-15 Life, Health and Variable Annuity Agent |
| Testing Provider | Pearson VUE |
| Availability | Year-round, Monday through Friday |
| Delivery | In-person only — online testing permanently discontinued as of February 16, 2024 |
| Exam Fee | $44 per attempt |
| Total Questions | 165 total — 150 scored, 15 unscored pretest |
| Passing Score | 70% — you must answer 105 out of 150 scored questions correctly |
| Time Limit | 2 hours and 45 minutes |
| Pre-license Requirement | 60-hour state-approved course |
| License Application Fee | $50 via NIPR after passing |
| Max Retake Attempts | 5 attempts per 12-month period |
| Passing Score Validity | 1 year from passing date |
Also Read: State-Wise Teacher Certification Exam Dates & Schedules 2026
What Is the Florida 2-15 License
The 2-15 is Florida’s combined life, health, and annuity license.
It allows you to sell life insurance, health insurance, and variable annuity products under a single license number.
Florida is the third-largest state for insurance agent employment in the country. The 2-15 is Florida’s unique combined designation — covering life insurance, annuities, and health insurance under a single license number.
If you want to sell both life and health products in Florida, this is the license you need. It is more efficient than getting separate 2-14 and 2-40 licenses.
Prerequisites Before You Schedule
You cannot schedule the Pearson VUE exam until one requirement is complete.
You must complete a 60-hour state-approved prelicensing course for the combined Life & Health line. Your course provider will report your completion to the state.
After that, you can schedule immediately at pearsonvue.com/fl/insurance. The recommendation is to schedule your state exam 5 to 10 days after completing the course.
Exam Structure and What to Expect
The Florida 2-15 exam is divided into two sections tested together.
The first section covers general insurance principles that apply across all US states. The second covers Florida-specific laws, regulations, and statutes.
| Section | What It Tests | Approximate Weight |
|---|---|---|
| Life Insurance Policies | Policy types, riders, provisions, underwriting | Largest section |
| Health Insurance Policies | Policy types, benefits, exclusions | Largest section |
| Annuities and Variable Products | Fixed, variable, indexed annuities | Consistently tested |
| Florida Laws and Regulations | Florida Insurance Code, DFS regulations, replacement rule, unfair trade practices, free-look period | Significant — often underprepared |
| Ethics and Agent Conduct | Fiduciary duty, fair dealing, confidentiality | Moderate weight |
The exam also contains 15 pretest questions randomly distributed throughout. These are unscored pilot questions being tested for future use. You will not know which questions are pretest — treat every question as scored.
All questions are multiple choice with four answer options. The Pearson VUE platform lets you flag questions and return to them before submitting.
How to Schedule Your Exam
Scheduling is handled entirely through Pearson VUE.
- Online: Go to pearsonvue.com/fl/insurance — available 24 hours a day
- Phone: Call 1-888-274-2020 to schedule by phone
- Payment: Exam fees must be paid at the time of reservation
Available testing center locations and appointment times are shown during scheduling based on your zip code. Candidates select the most convenient location and available date.
Scheduling early gives you more date and location options. Centers in major metro areas like Miami, Orlando, and Tampa tend to fill faster.
Also Read: Georgia Real Estate Exam Schedule 2026
Where Are the Testing Centers
The Florida insurance exam must be taken at a physical Pearson VUE testing center. Online or remote testing is not available.
Testing centers are located throughout Florida. When you schedule at pearsonvue.com/fl/insurance, the system shows available centers near your zip code.
Centers are available in all major metro areas including Miami, Fort Lauderdale, Orlando, Tampa, Jacksonville, Tallahassee, and Gainesville. Exact locations and current availability are shown in real time during scheduling.
What to Bring on Exam Day
You must bring one valid form of government-issued identification — driver’s license, passport, or military ID. The ID must contain your name and photograph.
The name on your ID must exactly match the name on your exam registration. A mismatch can result in denial of entry.
Arrive at least 30 minutes early to allow time for check-in and identification verification. Late arrival may result in being denied entry and required to reschedule.
Personal calculators are not allowed. The testing center may provide a basic on-screen calculator — the math on the exam is straightforward and does not require complex calculations.
Results — What Happens After You Finish
You do not wait days or weeks for your result.
Your pass or fail result appears on screen immediately after you finish. A printed score report is also provided at the testing center.
The score report includes a numeric score and diagnostic information showing your performance by content area.
If you pass, your passing score is valid for one year from the passing date. You must complete the licensing application within that window or you will need to retake the exam.
Retake Rules — If You Do Not Pass
Failing does not end your path to licensure — but there are rules.
- You must wait 24 hours before scheduling a retake. Most candidates can reschedule within 3 to 5 days.
- Florida law limits candidates to 5 exam attempts for the same exam type during any 12-month period.
- Each retake costs another $44 registration fee.
- An exam review is available within 90 days of your original exam date — free of charge, one time only. Call Pearson VUE at 1-888-274-2020 to schedule it. You can view every question you got wrong along with the correct answer.
Cancellation and Rescheduling Policy
To change or cancel your testing appointment, you must contact Pearson VUE at least 48 hours in advance or forfeit the examination fee.
If you miss your appointment or cancel with insufficient notice, the exam fee may be forfeited and a new appointment must be scheduled.
Build in buffer time when scheduling. If something comes up, 48 hours notice is the hard deadline.
Full Licensing Process — End to End
Passing the exam is step three of a four-step process.
- Step 1 — Complete the 60-hour state-approved 2-15 pre-license course
- Step 2 — Schedule and pass the Pearson VUE exam with a 70% score
- Step 3 — Complete fingerprinting and background check through Live Scan
- Step 4 — Submit your license application through NIPR with the $50 application fee. Most Florida applications are processed within 2 to 4 weeks.
Most candidates complete the entire process — from starting their pre-license course to holding an active license — in 2 to 4 weeks.
Frequently Asked Questions
When is the Florida 2-15 exam available in 2026?
The exam is available year-round at Pearson VUE testing centers throughout Florida. There are no fixed annual test dates. Available dates are shown during scheduling at pearsonvue.com/fl/insurance based on your zip code.
How much does the Florida 2-15 exam cost?
The exam fee is $44 per attempt. After passing, the license application fee through NIPR is $50. Total cost from exam to license is $94, plus the pre-license course fee which varies by provider.
Can I take the Florida insurance exam online?
No. As of February 16, 2024, all Florida insurance licensing exams must be taken in person at a Pearson VUE testing center. Remote and online testing has been permanently discontinued.
How many questions are on the Florida 2-15 exam?
The exam has 165 total questions — 150 scored and 15 unscored pretest questions. You must answer 105 of the 150 scored questions correctly to achieve the 70% passing score.
What happens if I fail the Florida 2-15 exam?
You must wait 24 hours before scheduling a retake. Each retake costs another $44 fee. Florida limits candidates to 5 attempts per 12-month period. An exam review showing all incorrect answers is available free within 90 days of your exam.
How long is the Florida 2-15 passing score valid?
A passing score is valid for one year from the passing date. You must complete the full licensing application within that window or you will be required to retake the exam.
What ID do I need on Florida 2-15 exam day?
One valid government-issued photo ID — driver’s license, passport, or military ID. The name must exactly match your exam registration. Arrive at least 30 minutes early for check-in.
How do I find a Pearson VUE testing center near me in Florida?
Testing center locations are shown during scheduling at pearsonvue.com/fl/insurance based on your zip code. Centers are available throughout Florida — in Miami, Orlando, Tampa, Jacksonville, and other major areas.
Bottom Line
The Florida 2-15 exam runs year-round at Pearson VUE centers across the state. No annual registration window. No fixed test dates.
Complete your 60-hour course, schedule at pearsonvue.com/fl/insurance, and pay $44. Score 70% on 150 questions and you pass.
The full path from starting your course to holding an active Florida insurance license typically takes 2 to 4 weeks.
For a broader look at exam schedules and licensing requirements, see our guide to professional licensing exam dates 2026.
Official Resources:
- Schedule Exam: pearsonvue.com/fl/insurance
- Pearson VUE Phone: 1-888-274-2020
- Florida DFS Licensing: myfloridacfo.com — Licensing Exams
- License Application (NIPR): nipr.com
- Florida Candidate Handbook: Available at pearsonvue.com/fl/insurance
Last Updated: June 29, 2026.
Meet Deepkant Shrivastava, he has been writing content since 2020. Over the years he has worked across more than ten websites — mostly covering job updates, career guidance, and government schemes — which gave him a solid grip on how to break down complicated topics for everyday readers.
At NextExamNews, he writes guides, exam updates, and result-related articles covering major about various exams. He tries to keep every article easy to read and straight to the point.
On the personal side, he is currently in performance marketing domain and learning AI and finding ways to bring both into his content creation.