The Florida 2-15 Exam, Explained (2026)
The 2-15 license (Life, Health & Variable Annuity) requires passing a state exam administered by Pearson VUE for the Florida Department of Financial Services. Here is every number that matters, current to the January 1, 2026 content outline.
Exam facts
| Scored questions | 150 (plus 15 unscored pretest questions — 165 total on screen) |
| Time limit | 2 hours 45 minutes |
| Passing score | 70% — 105 of 150 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 | 57.7% (2024 state data — 20,066 first-time takers) |
| Languages | English or Spanish — choose at registration, no extra fee |
| Prerequisite | 60-hour state-approved prelicensing course (this site is supplemental prep, not the course) |
Official content outline — where the points are
One third of the exam (33%) is Florida statutes and rules — the section most national study guides cover worst. Weights below are from the official Pearson VUE outline effective January 1, 2026.
See where you stand before you pay
Take the free practice examCommon questions
How hard is the Florida 2-15 exam?
In 2024, only 57.7% of first-time takers passed. Most people who fail lose points on the Florida statutes section (33% of the exam) and on annuity details.
Can I take the 2-15 exam in Spanish?
Yes. Pearson VUE administers the Florida 2-15 in Spanish at no extra cost — you select the language when scheduling.
What happens if I fail the 2-15?
You can retake it immediately, but each attempt costs $44 and you are capped at 5 attempts per 12 months. After 5 failures you wait out the year.
How many questions do I need to get right?
105 of the 150 scored questions (70%). The 15 pretest questions do not count for or against you, but you cannot tell which are pretest.