Free Florida 2-15 Practice Test (2026)
Blueprint-weighted questions drawn from all 12 official domains. Timed at the real exam pace — 1 minute per question. You can pause; progress is saved on this device.
60 questions · 60 minutes
Pass line: 70%, same as the real exam
No feedback until you submit — like the real thing.
About this Florida 2-15 practice test
It has 60 questions drawn from every area of the official outline in the same proportions as the real exam, with 60 minutes — one minute per question. This practice test's pass line is 70%. The real exam has 150 scored questions plus 15 unscored pretest questions in 165 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 Life Policies and Features | 10% | Practice this area |
| Life Policy Riders, Provisions, Options, and Exclusions | 10% | Practice this area |
| Life Application, Underwriting, and Policy Delivery | 8% | Practice this area |
| Retirement and Other Life Insurance Concepts | 5% | Practice this area |
| Types of Health Policies | 11% | Practice this area |
| Health Policy Provisions, Clauses, and Riders | 10% | Practice this area |
| Social Insurance | 4% | Practice this area |
| Other Health Insurance Concepts | 4% | Practice this area |
| Field Underwriting Procedures | 5% | Practice this area |
| Florida Statutes and Rules — Common to All Lines | 13% | Practice this area |
| Florida Statutes — Life and Annuity (incl. Variable Products) | 10% | Practice this area |
| Florida Statutes — Health Insurance | 10% | 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. An applicant pays the initial premium and receives a temporary insurance agreement (binding receipt) dated March 3. He dies of a heart attack on March 9, before underwriting is complete. The insurer later determines he would have been declined. Assuming the receipt's stated conditions were met, what must the insurer do?
- A. Pay the face amount — a binding receipt covers from its date regardless of insurability
- B. Deny the claim and refund the premium, because he would not in fact have been insurable
- C. Pay only if the medical examination had been completed before his death
- D. Pay a prorated amount equal to the coverage that the premium collected would have purchased
Show the answer
Answer: A. A binding (temporary insurance) receipt puts coverage in force on the receipt date for a stated period, commonly 60 days, whether or not the applicant later proves insurable; the insurer's remedy is to decline the permanent policy when the period ends. Choice B states the rule for a conditional receipt, where coverage depends on insurability — that is exactly the condition a binding receipt removes. Outline III.B — premium receipts and effective date.
4. A cash value life insurance policy becomes a modified endowment contract (MEC) when:
- A. Its cash value at any point during the contract exceeds the policy’s stated death benefit
- B. The policy is exchanged under Section 1035 within seven years of its original issue date
- C. The owner takes a policy loan against the cash value during the first seven years
- D. Premiums in the first seven years exceed the seven-pay net level premium limit
Show the answer
Answer: D. The seven-pay test compares cumulative premiums actually paid in each of the first seven contract years against the seven-pay net level premium; exceeding it at any point makes the contract a MEC. Choice C reverses cause and effect — a loan does not create MEC status, but a loan taken from a contract that is already a MEC is a taxable distribution. Outline IV — taxation of life insurance.
5. A surgeon injures her hand and can no longer perform surgery, but she accepts a full-time position teaching at a medical school. Under which definition of total disability would her individual disability income policy pay full benefits?
- A. Any occupation
- B. Own occupation
- C. Presumptive disability
- D. Partial disability
Show the answer
Answer: B. The own-occupation definition pays benefits when the insured cannot perform the substantial duties of his or her OWN occupation, even if the insured works in a different field. The any-occupation definition is stricter: it would deny benefits because she can work in another occupation suited to her education and training. Presumptive disability applies only to specified losses such as sight, speech, or limbs. (Outline V.A)