Failed the 2-40? About three in four Spanish-form takers do the first time.
In May and June 2026, 164 of the 216 people taking the Spanish 2-40 for the first time did not pass. Most of them took the 40-hour course and studied hard. What separates a second attempt that passes from one that does not is where the study time goes.
How retaking works
- You can schedule a retake right away; Florida has no waiting period between attempts.
- Every attempt costs another $44, paid to Pearson VUE.
- Hard cap: 5 attempts per license type per 12 months.
- Your 40-hour course completion stays valid for four years; you retake only the exam.
Why people fail the 2-40
Florida law is 35 of the 85 scored questions, and it is memorization of numbers national material skips: the 10-day health and 30-day Medicare supplement free look, the six-month Medicare supplement open enrollment, long-term care lapse protection, small-employer rules, appointment and continuing education rules, and the $12,500 and $187,500 fines for twisting and churning. The policy provisions are the other big block: claim deadlines, renewability, probationary and elimination periods. Spanish speakers also lose points to wording, which is why every question here is written in both languages.
The second-attempt plan
- Take a full diagnostic mock first, not to study but to find which of the 7 sections are below 70%.
- Spend most of your time on your two weakest sections. Points come from weaknesses, not from rereading strengths.
- Drill the two Florida-law sections until the numbers are automatic: 10 and 30 days, the six-month open enrollment, the $187,500 twisting fine, 24-month appointment renewal.
- In the last week, take full timed simulations until you clear 80% twice, the margin that survives exam-day nerves.