Compliance Snapshot
- Pre-licensing hours
- 40 hours, online self-study allowed
- State exam
- 95 questions, 120 minutes, 70% to pass
- Exam vendor
- Pearson VUE (in-person test center)
- DFS authority
- F.S. 626.2816; FAC 69B-227.260
What the 2-40 license authorizes
The Florida 2-40 license authorizes the holder to sell, solicit, and negotiate health insurance products including individual major medical, disability income, long-term care, Medicare supplement, and dental products. It does not authorize life insurance or annuity sales — those require a 2-14 (life-only) or 2-15 (combined life, health, and variable annuity) license.
Operating outside the 2-40 scope is a violation of Florida law and can result in license suspension or revocation under F.S. 626.611. Candidates should know exactly which products their license covers before any client conversation.
- Major medical health insurance
- Disability income insurance
- Long-term care insurance
- Medicare supplement (Medigap) policies
- Dental and vision insurance
How to qualify: the four steps
Step 1: Complete an approved 40-hour pre-licensing course. National Course Portal's Florida 2-40 course is built for DFS approval and includes 9 modules totaling 40 hours, lesson knowledge checks, a practice exam pool, and a Pearson VUE-style final exam.
Step 2: Pass the Pearson VUE state exam (95 questions, 120 minutes, 70% to pass). Schedule at any Pearson VUE test center after the pre-licensing certificate is on file with DFS.
Step 3: Submit the license application to Florida DFS, including the pre-licensing certificate and any required supporting documents.
Step 4: Clear the fingerprint-based background check and wait for DFS to issue an active license. Once active, you can be appointed by an insurer and begin transacting.
Pearson VUE exam content distribution (2026)
The state exam follows the 2026 Pearson VUE Florida Insurance Content Outline. Each content area is weighted, and the better your prep tracks that weighting, the more efficient your study.
- Types of Health Policies — 19% (major medical, disability, LTC, Medigap)
- Policy Provisions, Clauses, Riders — 18% (entire contract, grace period, incontestability)
- Field Underwriting Procedures — 9% (application accuracy, replacement, conditional receipts)
- Other Health Insurance Concepts — 6% (COB, COBRA, HSA, ACA basics)
- Social Insurance — 7% (Medicare A/B/C/D, Medicaid)
- Florida Common Law — 23% (unfair practices, replacement, rebating)
- Florida Health Law — 18% (mandated benefits, continuation, senior protections)
Study strategy for first-attempt readiness
Florida health exams reward disciplined preparation. Candidates who enter the exam with strong course-practice scores usually did the same three things during prep.
First, they read the full curriculum twice — once linearly, once with active note-taking. Memorization alone fails on scenario questions, which now dominate the exam.
Second, they took multiple full-length practice exams under timed conditions in the same Pearson VUE-style interface they would see on test day. Familiarity with the interface, pacing, and mechanics removes most of the test-day anxiety.
Third, they tied every concept to a specific Florida Statute or FAC reference. The state exam pulls heavily from F.S. 626 and FAC 69B; candidates who know the citations recognize question setups faster.
Why our 2-40 course is built for exam readiness
Our final exam uses the official published Pearson VUE structure for this license type: 95 questions, 120 minutes, and a computer-based exam flow with one-question-at-a-time practice, review controls, and timed pacing.
Item selection is randomized from a bank of 220 questions aligned to the official 2026 Pearson VUE content outline. Every option position (A, B, C, D) is independently shuffled per attempt, so students study for mastery instead of memorizing answer positions.
Every question carries a Florida Statute / FAC reference, the Pearson VUE outline section it tests, and a written explanation with distractor rationales. After-action review is built into every practice attempt.
Employer Checklist
- 1Confirm you are at least 18 and meet Florida eligibility requirements
- 2Enroll in an approved 40-hour 2-40 pre-licensing course
- 3Complete the course (all lessons, seat time, identity verification, final exam)
- 4Schedule the Pearson VUE state exam at a Florida test center
- 5Pass with at least 70%, then submit your DFS license application
- 6Clear fingerprint background check, receive active license, get appointed by an insurer
FAQ
Can I take the 2-40 course online?
Yes. Florida DFS approves self-study online pre-licensing courses under FAC 69B-227.260. Our 40-hour 2-40 course is built for that approval pathway with sequential lessons, active seat-time tracking, identity verification, and Pearson VUE-style assessment.
How many times can I retake the state exam?
Florida allows up to five attempts for the same exam type in any 12-month period. Each attempt requires a separate Pearson VUE booking and fee. Passing scores are valid for one year, during which you must complete the rest of the license application.
Does the 2-40 license include life insurance?
No. The 2-40 is health-only. To sell life insurance you need a 2-14 (life-only) or 2-15 (combined life, health, and annuities) license. Many agents pursue the 2-15 because it covers all three product lines under one license.
What is the mastery rebate?
If you score 90% or higher on your first final-exam attempt, the record is reviewed for up to $30 back to your original payment method after the attempt clears identity, seat-time, and proctoring checks.
Official Sources
- Florida DFS Pre-Licensing Course Application
- Pearson VUE Florida Insurance Content Outlines (effective 2026-01-01)
- Pearson VUE Florida Insurance Candidate Handbook
This guide is general information for employer planning. It is not legal advice, and employers should confirm requirements with counsel, the regulator, or the requesting agency before relying on any course for a specific obligation.