Frequently Asked Questions

Study Manual

NAIFA publishes the Florida Life, Health and Variable Annuity Study Manual under contract with the Florida Department of Financial Services... show more

Licensing in Florida

What does the Florida 2-15 Life, Health and Variable Annuities license allow me to sell? Is there a way to get licensed to only... show more

Course and Study Tools

How long will it take me to complete the Florida School of Insurance's self-study program?... show more

Exam Registration and Scheduling

What are the Florida requirements for licensing as a life and health insurance agent?... show more

Privacy and Security

Is it secure to send my credit card information over the internet?... show more

System Requirements and Technical Difficulties

How do I get a username and password?... show more


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Florida Life, Health and Variable Annuity Manual

FAIFA publishes the Florida Life, Health and Variable Annuity Study Manual (27th edition) under contract with the Florida Department of Financial Services for the Florida Life, Health, and Variable Annuity pre-licensing (40-hour) course.

PLEASE NOTE: This is the only study manual on which the Florida Department of Financial Services (DFS) bases the state licensing exam. FAIFA distributes the manual under contract from the DFS. "This study manual is designed to assist individuals interested in the insurance profession in obtaining a thorough knowledge of Florida's laws and rules and an accurate understanding of insurance theory and practice." -- memo from the Bureau of Licensing, Florida Department of Financial Services.

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Florida Life, Health and Variable Annuity License

Is the Florida School of Insurance's course approved by the Department of Insurance?

Yes. The Florida School of Insurance has been approved to offer self-study courses for:

  • Life, including Variable Annuity, and Health (2-15)
  • Life, including Variable Annuity (2-14)
  • Health (2-40)
  • Continuing Education
  • Long Term Care Partnership (ClearCert Approved)

The Florida School of Insurance Provider number is 922.

What does the Florida 2-15 Life, Health and Variable Annuities license allow me to sell? Is there a way to get licensed to only sell life insurance and annuities or to only sell health insurance?

Obtaining the 2-15 license allows you to sell all lines of Life and Health Insurance, as well as FIXED Annuities. If you wish to sell VARIABLE Annuities, you will also need the Series 6 license.

You may get licensed to only sell life insurance and annuities or only sell health insurance if you wish, and the Florida School of Insurance offers classes for students with those specific needs.

If I am currently licensed in another state, am I required to take a pre-licensing course?

Some states have reciprocity with Florida. To learn if you qualify, please contact the Florida Department of Financial Services at 850-413-3134.

I already have the Florida 2-20 Property and Casualty license and I want to get the 2-15 Life, Health and Variable Annuities license. Am I required to take the Life, Health and Variable Annuities exams, or just the Life and Variable Annuities exams?

If you already have the 2-20 Property and Casualty license, then you are are still required to take the Life, Health and Variable Annuities exams, as the 2-20 only counts as partial Health.

Is Continuing Education required for this license, and how do I complete those requirements?

Yes, in the state of Florida, Continuing Education credits are required to maintain the 2-15 Life, Health and Variable Annuities License. Once and agent has been licensed in the state for six years or less, he/she is required to complete 24 hours of Continuing Education credits every two years, and those who have been licensed for more than six years are required to complete 20 Continuing Education credits every two years. The Florida School of Insurance offers all of our Continuing Education credits online.

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Our Course and Study Tools

How long will it take me to complete the Florida School of Insurance's self-study program?

The time needed to complete the self-study course varies from student to student. Because our self-study program offers the exact same instruction as our 40-hour class, the general answer is 40 hours for those seeking their Life and Health license. For those seeking only their Life and Variable Annuity or Health license, those programs should only take a student approximately 15-20 hours to complete. Each chapter should take an hour to an hour and half to complete on average, however students may complete the lessons as quickly as they wish.

How does the self-study program work?

Each lesson covers a chapter in the state-approved manual. At the conclusion of each lesson you will have the opportunity to review with a multiple choice quiz. At the end of the course you will be required to pass a final exam with a grade of 70% or higher.

Who can I contact if I have questions about the course material?

Throughout the course you will be provided with the option to email an instructor, who will respond to you within two business days. Please only use the email option for questions pertaining to the course material. If you have billing or access questions, please Contact our office.

Am I required to pass a test at the end of the self-study course?

Yes. The Florida Department of Financial Services requires that you pass a test at the end of this course with a grade of 70% or better. Should you not get a 70% on your first attempt, you may retake the test an unlimited number of times within the 90-day period you are allotted for the course.

Which type of study program - in-class or self-study - is better for me?

Both types of programs we offer as well as the study manual are all state approved and cover the same topics. In fact, the text contained in the self-study program is teacher/student dialog that was taken from our in-class sessions and even includes the questions that students in the past have had about the material while in the class. Because of this direct likeliness between the two programs, we have been able to achieve the same level of quality in our self-study program as you would expect in one of our classes. Thus it is up to the student to determine which learning environment he/she prefers.

We recommend our in-class program for those who need the motivation of a fixed classroom schedule and for those who feel they may have serious difficulty grasping the material in the course and would like specialized attention from an instructor.

Self-study programs place the responsibility of completing the course on the student, but offer a much more flexible schedule of study that the student can arrange to his/her own convenience. Self-study courses are ideal for previously licensed agents from other states who are seeking a Florida license and for agents who already have their Health license and only need their Life license, or vice versa.

Read about our target audience and learn how our unique teaching methods are the most effective in the industry. To better help you decide which program is best for you, you can view a Sample Lesson from one of the chapters in our self-study program.

What is the cost of the self-study program?

The base price for our online pre-licensing courses, regardless of license, is $179. If you wish to purchase access to our one-of-a-kind online practice tests, you can purchase 90-days access at the same time for only $26 more, for a total of $205.

How do I get a receipt for this class?

After you initially purchase the course, you will have the opportunity to print a receipt, and a receipt will be sent to the email address you used to register with.

What is your refund policy?

For our classroom program, all moneys paid in advance are fully refundable up to the beginning of the first day of class. If you are absent for the entire class or call during your scheduled class date to cancel then any moneys previously paid will be refunded.

Those taking the online course may receive a refund for the course, as well as their online practice test access and “Big Dog” notes, within the first five days of purchase. Books are not refundable.

Once I have finished the course, when and how will I receive my Certificate of Completion?

Once you have completed the course by passing the final test with a 70% or better, you can view and print your certificate from your classroom page.

Are there study tools included with the course? What are they?

The Florida School of Insurance has created Online Practice Tests that mimic what you will see on the state exam. We have developed the questions for these tests based on feedback from students who have taken the state exam, and we have been reassured time and time again that our practice tests are an invaluable tool when preparing for the state exam. You may include this option when you purchase the class, or if you would rather wait then you can purchase it once you have completed the class. All of the tests are online, so you may utilize this tool from any computer with Internet access. With each test, the questions are randomly drawn every time you retake it, explanations are given for questions answered incorrectly and your progress is tracked so that you can easily see where your weak points are.

Our Cram Course is also very helpful to students who want to get in that last bit of face-time with an instructor before their exam. For those taking the online course, we have included notes from the cram course, the “Big Dog ” notes, in some of the packages.

How soon can I start?

Immediately! Once you have chosen which program best suits your learning style you can register for either the Classroom Program or self-study Online Program and take your first step toward becoming a financial planner!

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Exam Registration and Scheduling

What is the Florida requirement for licensing as a life and health insurance agent?

To become a Florida life and health insurance agent you must:

  • Be 18 years old
  • File a completed online application with the State- Application Process (PDF)
  • Get electronically fingerprinted- Fingerprints
  • Pay all application and fingerprinting fees to the Department of Financial Services
  • Complete an approved pre-licensing course
  • Successfully pass a standardized licensing exam

After I have completed the course, about how long will it take before I am able to schedule my exam?

If you submit your application, payment and fingerprints to the Department of Financial Services BEFORE you take the course, then it will take approximately two weeks after you have completed the course for you to schedule your test date with Pearson VUE. HOWEVER, if you submit your application, payment and fingerprints all AFTER you have completed the course, then it will probably take about a week longer before you are able to schedule your testing date.

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Privacy and Security

Is it secure to send my credit card information over the internet?

The Florida School of Insurance goes to great lengths to protect the privacy and personal information of all of our students. All credit cards are processed using PayPal. The Florida School of Insurance does not sell, rent or share anyone's information with any organization.

Why is it necessary to provide my Social Security Number when I register for the online course?

Your Social Security number is necessary because that is how you are originally registered with the Florida Department of Financial Services. The Florida School of Insurance does not sell or share in any way any of our customers' personal information.

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System Requirements and Technical Difficulties

How do I get a username and password? What do I use it for? What should I do if I forget it?

Once you have purchased the course, you will create your own username and password. Please be aware that THE PASSWORD IS CASE-SENSITIVE. Each time you log into your course you will be required to enter your username and password, and from there your course will continue from where you last left off. If you forget your username and password, you will be prompted to enter your email address and both your username and password will be emailed to you automatically.

Can I take the course from various locations and computers?

Yes, you can. From any computer with an Internet connection you can simply log in using your username and password, and your course will continue from where you last left off.

What happens if I get disconnected from the internet during a class session?

Usually nothing will happen. Keep the course open while you regain your internet connection and the course will continue as usual. Otherwise you will have to log back in and continue where you left off.

What happens if I have technical difficulties or the system malfunctions during the course?

If you experience technical difficulties during your course, please first check that your Internet connection is performing properly. If problems persist, you may Contact our office.

Can I take this course with an AOL browser?

We would recommend against using any browser except for Internet Explorer, Mozilla/Firefox or Safari while taking this course.

Do I need to use a PC? What if I have a Macintosh?

Any Macintosh running OS X and Safari or Mozilla/Firefox can be used to complete the course.

Do I need to have sound on my computer to take this course?

We currently do not require sound for our online courses.

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The School with Class