The Florida 2-14 Exam, Explained (2026)
The 2-14 license (Life, including Annuities and Variable Contracts) lets you sell life insurance and annuities in Florida, fixed and variable. You get it by passing a Pearson VUE exam for the Florida Department of Financial Services, given in English and in Spanish. Here is every number that matters, current to the outline effective January 1, 2026.
Exam facts
| Scored questions | 85 (plus 10 unscored pretest questions, 95 on screen) |
| Time limit | 2 hours |
| Passing score | 70% of the scored questions |
| Exam fee | $44 per attempt, paid to Pearson VUE every attempt |
| Retake limit | 5 attempts per license type per 12 months, no waiting period between attempts |
| First-time pass rate | 44.1% overall and 22.9% on the Spanish form (DFS, May–June 2026) |
| Languages | English or Spanish, chosen when you schedule |
| Prerequisite | 30-hour state-approved life and variable contracts course within 4 years (this site is supplemental prep, not the course) |
Official content outline — where the points are
42% of the exam (35 of the 85 scored questions) is Florida statutes and rules, a bigger share than on the 2-15. Weights below are the official outline's.
See where you stand before you pay
Take the free practice examCommon questions
How hard is the Florida 2-14 exam?
In May and June 2026, 44.1% of first-time takers passed, and only 22.9% of those who took the Spanish form. Florida law is 35 of the 85 scored questions, so it decides most results.
Can I take the 2-14 exam in Spanish?
Yes. Florida gives the 2-14 in Spanish; you choose the language when you schedule with Pearson VUE. It is the most-taken Spanish insurance exam in Florida, about a thousand sittings a month.
What happens if I fail the 2-14?
You can retake it right away, but each attempt costs another $44 and you are capped at 5 attempts per 12 months.
2-14 or 2-15?
The 2-14 covers life insurance and annuities only. The 2-15 also covers health insurance, on a 150-question exam. Pick the one that matches what you will sell.