Free Florida 2-14 Practice Test (2026)
Blueprint-weighted questions drawn from all 6 official domains. Timed at the real exam pace. You can pause; progress is saved on this device.
60 questions · 76 minutes
Pass line: 70%, same as the real exam
No feedback until you submit — like the real thing.
About this Florida 2-14 practice test
It has 60 questions drawn from every area of the official outline in the same proportions as the real exam, with 76 minutes, the real exam's pace. This practice test's pass line is 70%. The real exam has 85 scored questions plus 10 unscored pretest questions in 120 minutes.
You can pause and come back: progress is saved on this device. When you finish you get a score for each area, so you can see where your points are going.
What it covers
| Area | Share of the exam | Practice |
|---|---|---|
| Types of Policies and Features (Life and Annuities) | 17.5% | Practice this area |
| Policy Riders, Provisions, Options and Exclusions | 17.5% | Practice this area |
| Application, Underwriting and Policy Delivery | 14% | Practice this area |
| Retirement and Other Insurance Concepts | 9% | Practice this area |
| Florida Statutes and Rules Common to All Lines | 24% | Practice this area |
| Florida Statutes — Life and Annuity (incl. Variable Products) | 18% | Practice this area |
5 sample questions
These questions are part of the practice test above. Each answer stays hidden until you open it.
1. A universal life policy uses death benefit Option A (level). As the policy's cash value grows over time, what happens to the net amount at risk?
- A. It increases, because the total death benefit rises right along with the cash value.
- B. It decreases, because the exposure is the specified amount minus the cash value.
- C. It stays constant, because the net amount at risk is fixed at policy issue.
- D. It becomes zero once the cash value exceeds half of the specified amount.
Show the answer
Answer: B. Under death benefit Option A the total death benefit stays level, so the insurer's pure insurance exposure (specified amount minus cash value) shrinks as the cash value builds, and the monthly cost of insurance is charged against that shrinking net amount at risk. Choice A is the closest distractor: a death benefit that rises with the cash value describes death benefit Option B, but even under Option B the net amount at risk stays level at the specified amount rather than increasing. Choice C states the Option B result, not the Option A result. (Outline I.B.)
2. Luis owns a whole life policy with a waiver of premium rider. He has been totally disabled for eight months. How does the rider respond?
- A. His premiums are only postponed and must be repaid with interest when he recovers.
- B. After the waiting period, premiums are waived while total disability continues.
- C. The policy automatically converts to reduced paid-up insurance instead.
- D. Premiums are waived for a maximum of one year from the date of disability.
Show the answer
Answer: B. Waiver of premium excuses premiums during total disability after a waiting period (commonly six months), and many riders refund premiums paid during that wait; cash values and dividends continue as if premiums were paid. Option A describes a loan arrangement, not a waiver — waived premiums never have to be repaid. On universal life, the comparable rider is waiver of monthly deductions. (Outline II.A.)
3. During underwriting, an insurer receives coded information about an applicant from the Medical Information Bureau (MIB). Which statement about the MIB is TRUE?
- A. Its reports come directly from treating physicians, who are required to send patient records
- B. It is a nonprofit member organization that exchanges coded underwriting information
- C. An insurer may decline an application based solely on information in an MIB report
- D. Its report eliminates the need for an attending physician’s statement entirely
Show the answer
Answer: B. The MIB's information comes from prior applications submitted to member insurers, and its purpose is to alert underwriters to discrepancies that deserve further investigation. An insurer may not decline or rate an applicant solely on MIB data — the information must be verified through other sources, such as an attending physician's statement.
4. To qualify for Social Security disability income benefits, a covered worker must meet which definition of disability?
- A. Unable to perform the main duties of his or her own regular occupation for a period of 90 days or more
- B. Unable to work at any job at all for at least 90 consecutive days
- C. Suffering any injury that reduces his or her earnings by 20% or more
- D. Unable to engage in any substantial gainful activity, expected to last 12 months or end in death
Show the answer
Answer: D. Social Security uses the strictest common definition of disability: the inability to engage in any substantial gainful activity due to an impairment expected to last at least 12 months or result in death, plus a 5-month waiting period before benefits begin. The 'own occupation' standard in option A is a definition found in private disability income policies, not Social Security.
5. A pattern of consumer complaints alleges that an authorized Florida health insurer routinely fails to acknowledge and act promptly on claim communications. Which regulator has authority to examine the insurer and impose an administrative fine on it for this conduct?
- A. The Department of Financial Services, because claim handling is always licensee conduct
- B. The Office of Insurance Regulation, which regulates insurer conduct and may fine the insurer under the unfair trade practices provisions
- C. The Office of Financial Regulation, because the insurer holds investment assets
- D. The Financial Services Commission, sitting as an appellate body
Show the answer
Answer: B. Unfair claim settlement practices are listed in s. 626.9541(1)(i), F.S., and when the wrongdoer is an insurer the enforcing agency is the OIR, which conducts market conduct examinations and may fine the insurer under s. 624.4211, F.S. (up to $12,500 per nonwillful and $100,000 per willful violation). The DFS — the closest distractor — has jurisdiction over licensed individuals and agencies (agents, adjusters, customer representatives), not over the insurer's corporate conduct. (Outline FL-I.C)