Florida Insurance Law — Life & Health Practice Test 2026
Free Florida Life & Health insurance producer license practice — the Florida-specific statutory layer (Financial Services regulation & licensing, unfair trade practices, life/annuity & health statutes) that pairs with the national general-knowledge bank on the Florida 2-15 Health & Life producer exam. Spanish explanations; Florida's real exam is officially offered in English and Spanish. Practice every question free, then sit a 150-question mock scored to the real 70% pass line.
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🎯 Practice by Topic
Florida Insurance Regulation & Financial Services
Florida's regulatory structure: the Chief Financial Officer, the Department of Financial Services, the Financial Services Commission, and the Offices of Insurance Regulation and Financial Regulation, with their duties and the DFS-vs-OIR split of authority.
Florida Licensing & Agent Responsibilities
Florida Statutes Chapter 626 licensing: license types, education/application/background/exam requirements, maintaining a license, criminal & administrative actions, appointment, fiduciary duties, premium accountability, and ethics.
Florida Marketing & Unfair Trade Practices
The Florida Unfair Insurance Trade Practices Act: sliding, coercion, misrepresentation, defamation, false advertising, unfair discrimination, unfair claim practices, fraud, controlled business, twisting, churning, rebating, and concealment.
Florida Guaranty Association & Insurer Regulation
The Florida Life & Health Insurance Guaranty Association (F.S. ch. 631), insurer classifications (stock, mutual, fraternal, domestic/foreign/alien), authorized vs unauthorized insurers, and the certificate of authority.
Florida Life & Annuity Insurance Law
Florida life & annuity statutes: disclosure and suitability/best interest, replacement, individual contract provisions (free look, grace period, creditor protection, effect of divorce, nonforfeiture, settlement), and group life and conversion.
Florida Health Insurance Law
Florida health statutes: standard provisions, group health, Medicare Supplement, long-term care, small-employer health (F.S. 627.6699), Florida Healthy Kids, HIV/AIDS requirements, payment of claims, and HMOs (F.S. ch. 641).