The Florida 2-20 Exam, Explained (2026)
The 2-20 General Lines license covers all property, marine, casualty and surety lines except bail bonds — and, under s. 626.311(1), F.S., health insurance as well. The gate is a state exam administered by Pearson VUE for the Florida Department of Financial Services. Every number below comes from the Pearson VUE candidate handbook and the Florida Insurance Examination Content Outlines effective January 1, 2026.
Exam facts
| Scored questions | 160, plus 15 unscored pretest questions — 175 on screen |
| Time limit | 3 hours (180 minutes) |
| Passing score | 70% — 112 of the 160 scored questions |
| Exam fee | $44 per attempt, paid to Pearson VUE every attempt; re-examination fees are non-refundable and non-transferable |
| Retake limit | 5 attempts for the same examination type per 12 months. The candidate handbook imposes no waiting period between attempts |
| Languages | English or Spanish. The Spanish form is exam code InsFL-PC06S and carries the same 3-hour limit; you choose the language when you reserve |
| Prerequisite | 200 hours of approved coursework including 3 hours of ethics, completed within the 4 years before you apply — or one of the experience paths in s. 626.732, F.S. |
| Score validity | A passing score is good for 1 year from the date earned. Finish the licensing process inside that year or you retake the exam |
Official content outline — where the points are
Three of the nine sections are Florida law — 36% of the exam, more than a third, and the part that national property-and-casualty material covers worst. One of those three is easy to underestimate: because s. 626.311(1), F.S., puts health insurance inside the general lines license, the official outline spends 6% of the 2-20 on Florida health insurance rules — free look, grace period, incontestability, Medicare supplement, long-term care. Weights below are from the Pearson VUE outline effective January 1, 2026, and sum to exactly 100.
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How hard is the Florida 2-20 exam?
Harder than the section weights suggest — and we are not going to quote you a pass rate. Neither the Department of Financial Services nor Pearson VUE publishes a first-time pass rate for the 2-20 that we can verify, and the figures circulating on prep sites disagree with one another by roughly twenty points. What is verifiable: 36% of the exam is Florida statutes and rules, and that is precisely the material rewritten by SB 2-D, SB 2-A and HB 837 between 2022 and 2023. On those topics a manual printed in 2021 is not merely dated, it is wrong.
Can I take the 2-20 exam in Spanish?
Yes. Pearson VUE offers the General Lines Agent exam in Spanish as exam code InsFL-PC06S, with the same three-hour limit and the same $44 fee as the English form. You select the language when you make the reservation.
What happens if I fail the 2-20?
You reapply at pearsonvue.com/FL/insurance and pay another $44; re-examination fees are non-refundable and non-transferable, and you are capped at five attempts for the same examination type in any 12-month period. Before you rebook, use the review: Pearson VUE will let you sit with the exam you failed at no charge if you request it within 90 days of the exam date.
How many questions do I need to get right?
112 of the 160 scored questions. The 15 pretest questions do not count for or against you and are not identified on screen, so treat all 175 as if they count.