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600 original questions · 12 official domains · outline effective January 2026
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See all 14 topics →Free look periods on the Florida 2-15Four different free-look periods appear on this exam and they are not the same length. Candidates lose points here constantly, because national study guides quote the ten days used in other states rather than Florida's numbers.Twisting vs churning vs sliding vs rebatingFlorida's unfair-methods-of-competition list is worth real points, and the exam tests the distinctions between terms that sound interchangeable. Learn them as contrasts, not definitions.Annuities on the Florida 2-15Annuities carry weight in both the general-knowledge and the Florida-law halves of this exam, and they are one of the two areas people who fail most often blame. Payout options and the senior suitability rules are where the points concentrate.Medicare and Medicare supplement rulesMedicare appears in the social-insurance domain and again in Florida health law, so the same material earns points twice. Know what each part covers and how Florida regulates supplement sales.Life policy provisions and clausesProvisions are pure memorization and therefore free points. The exam pairs clauses that sound similar and run for the same length of time, so learn what each one actually does rather than just its duration.Disability income insuranceDisability questions are mostly about definitions and timing, and they are heavily scenario-based: you are given a situation and must decide what is payable and when.Variable life, VUL and the separate accountThe exam is called Life, Health and Variable Annuity, so the variable products are not a footnote — and they are where the license question bites. Two traps account for most of the lost points: assuming an indexed product is variable because its return moves with an index, and assuming a 2-15 alone lets you sell one.Annuity best interest rules for buyers 65+Florida does not use a plain suitability test for annuity recommendations any more. Section 627.4554, F.S., imposes a best-interest standard built from four separate conduct obligations, and layers a second set of rules on top when the buyer is 65 or older. Candidates lose points here by remembering the standard as a single duty and by carrying over surrender-charge rules that apply to everyone else.HIV testing and consent in Florida underwritingFlorida regulates HIV testing in insurance underwriting more tightly than most states, and s. 627.429, F.S., is written as a series of narrow permissions rather than broad ones. Almost every wrong answer on this topic is something an insurer may plausibly want to do and is specifically forbidden from doing.Premium trust funds and fiduciary dutyEvery premium an agent touches in Florida is somebody else's money, held in a fiduciary capacity. The statute attaches criminal consequences that scale with the amount, and this is also the seam where two different record-retention rules meet — candidates routinely apply the wrong one.Compulsory vs discretionary license disciplineTwo consecutive statutes list grounds for license discipline in Florida, and the whole distinction is one word. Under s. 626.611 the Department MUST deny, suspend or revoke. Under s. 626.621 it MAY. Exam items rarely ask you to recite either list — they describe conduct and ask which statute governs, so the sorting rule matters far more than memorizing entries.Buyer's Guide and Florida free look periodsFlorida's life insurance solicitation rule decides two things candidates keep merging: WHAT must be delivered, and WHEN. The delivery deadline actually depends on the refund period the policy carries, which is why the free-look numbers and the disclosure rules belong on the same page. There are three different free-look lengths and the exam uses all of them as each other's distractors.Florida guaranty association limitsThis topic has two halves and candidates usually study only the first. The statute caps what the association pays, differently for each kind of benefit — and a separate statute makes it an offense to use the association's existence as a selling point at all. The second half is where the exam sets its traps, because the conduct rule fires even when the figure quoted was perfectly accurate.License, appointment and continuing educationPassing the exam gets you a license, and a license by itself authorizes nothing. Florida separates the credential from the authority to act, and most of the items on this topic turn on that gap — plus the deadlines, and the 48-month rule that quietly ends careers.
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