Free 20-question diagnostic for the Florida 2-15 Life (including Variable Annuities) and Health exam, scored by section with every answer explained.
Start the free diagnosticThe official outline effective January 1, 2026 puts about a third of the 2-15 exam on Florida statutes, rules and regulations: 13% on rules common to all lines, 10% on life and annuities, and 10% on health. The rest is general life, annuity and health knowledge.
Florida tests its own vocabulary — sliding, churning and twisting all have statutory definitions — and its own numbers, such as the 14-day refund window on life policies and 21 days on annuities.
Florida agents complete 24 hours of continuing education every two years: a 4-hour update course specific to the licence plus 20 elective hours. From the sixth year of licensure the electives drop to 16.
Four questions from the Retake Plan bank. Open each one to see the answer and the reasoning.
Answer: C. 14 days Fla. Stat. 626.99(4) requires the buyer's guide and policy summary before the insurer accepts the initial premium, unless the policy gives an unconditional refund for at least 14 days. That 14-day refund window is what the exam calls Florida's free look for life insurance.
Answer: A. 21 days Fla. Stat. 626.99(4)(b) sets 21 days for fixed and variable annuities, a week longer than the 14-day refund window for life policies. The insurer must attach a cover page telling the buyer about the refund period and how to reach the company, the agent and the Department's help line.
Answer: B. Representing to an applicant that an ancillary coverage or product is required by law when it is not Sliding is distinctly Florida and tests whether you can separate it from twisting and churning. It covers being told a product is legally required when it is not, and being charged for coverage without consent.
Answer: D. 21 days Fla. Stat. 627.4555 requires notice at least 21 days before the lapse, sent to the policyowner and to any secondary addressee the owner has designated. Policies paid monthly by automatic bank draft or collected by an agent are excluded.
See which sections are costing you points. Twenty questions, about eight minutes, scored by section — free, no signup to start.
Start the free diagnosticAbout a third: 13% on rules common to all lines, 10% on life and annuities and 10% on health, per the Florida outline effective January 1, 2026.
Fla. Stat. 626.99 requires the buyer's guide and policy summary before the first premium unless the policy gives an unconditional refund for at least 14 days. Annuities must allow 21 days.
Life insurance including variable annuities, and health insurance.
Sources: Florida content outline effective January 1, 2026; Florida Statutes 2025: 626.99, 626.2815, 627.4555. Retake Plan is an independent study resource, not affiliated with any state insurance department, Pearson VUE or PSI.
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