Study Guides
Written to be practiced, not re-read. Each section ends with a question before you move on.
8 guides · 51 built-in checks · 220 exact figures with statute citations
Re-reading is one of the least effective ways to study. These guides interrupt you with questions instead.
Florida Statutes, Rules and Regulations for the 2-15 Exam
Florida law is 33% of the 2-15 exam — 13% common to all lines, 10% life and annuity, 10% health — the single largest block and the one national study guides get wrong most often. Seven cycles cover the regulators, licensing and CE, agent money duties, the unfair-practices list, mandatory vs discretionary discipline, and Florida's specific life, annuity and health contract rules.
Open guideApplications, Underwriting, Policy Delivery and Contract Law
How a life or health case travels from application to issued contract — signatures, underwriting sources, receipts, the free look, replacement forms, AML duties, and the four elements and four unique features of an insurance contract. On the content outline effective January 1, 2026 this material sits in Section III, Completing the Life Application, Underwriting, and Delivering the Policy (8%), and Section IX, Field Underwriting Procedures (5%) — about 13% combined, roughly 20 of the 150 scored questions. It is dense with Florida forms, day counts, and statute cites.
Open guideTypes of Health Policies — Florida 2-15
Types of health policies is 11% of the Florida 2-15 exam — about 16 or 17 of the 150 scored questions. It rewards clean product identification: what each contract actually pays, who owns and funds it, how it is taxed, and the Florida-specific minimums and deadlines attached to it.
Open guideHealth Policy Provisions, Clauses, Riders & Renewability
This domain is roughly 10% of the Florida 2-15 exam and it is the single densest source of exact numbers on the test — 20 days, 15 days, 90 days, 60 days, 45 days, 7/10/31. Learn the claim clock, the two prompt-pay tracks, the lapse-and-revive rules, and the four renewability classes and you own the points.
Open guideTypes of Life Policies and Features
This domain is roughly 10% of the Florida 2-15 exam — about 15 of the 150 scored questions. It covers every life product (term, whole, universal, variable, indexed), the full annuity classification system and payout options, and the Florida rules attached to them: the 14-day and 21-day free looks, the senior annuity protections, and which products require a securities registration on top of your 2-15.
Open guideLife Policy Provisions, Riders, Options and Exclusions
The contract mechanics of a Florida life policy: who holds the rights, how coverage lapses and comes back, what the cash value can do, and what the insurer can still refuse to pay. Worth about 10% of the exam — roughly 15 of the 150 scored questions.
Open guideMedicare, Medicaid, Social Security & Other Health Concepts
The government-program block of the Florida 2-15 exam: Medicare's four parts, Florida's Medigap rules, Medicaid eligibility, Social Security disability timing, the four disability definitions, workers' compensation, coordination of benefits, and who pays tax on health benefits. Plan for roughly 8% of the exam — about 12 of the 150 scored questions. Treat that share as a study-planning estimate, not an official published weight.
Open guideRetirement and Life Insurance Taxation
Section IV of the Florida 2-15 content outline, "Retirement, and Other Life Insurance Concepts," is 5% of the exam — about 7 or 8 of the 150 scored questions. Covers third-party ownership and insurable interest, Florida's viatical settlement rules, group life and the 31-day conversion privilege, qualified versus nonqualified plans, key person and buy-sell funding, Social Security basics, and how premiums, death benefits, cash value, dividends and MECs are taxed.
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