In the works: This program is built — 10,044 questions, written to the current Florida outline and independently audited — and it opens for enrollment soon. Join the notify list and we will email you the day it launches.
This program is in the works — join the notify list and we’ll email you the moment enrollment opens.
Florida’s main property and casualty license is the 2-20 General Lines Agent license, tested by Pearson VUE for the Department of Financial Services: 160 scored questions in 3 hours, and 70% to pass. PassProfessor’s Florida program will give you 10,044 original practice questions built on Pearson VUE’s current Florida content outline — including 2,552 questions on Florida statutes and rules alone — with an explanation on every question and full practice exams generated fresh, at the real exam’s weights, every time you sit one. A free sample comes with the program; the full Florida program will be $29 when enrollment opens.
Read this first — Florida’s 200-hour rule. Florida requires most 2-20 applicants to complete a 200-hour pre-licensing course approved by the Department of Financial Services (or qualify through one of the experience or education routes in our Florida exam guide) before licensure. This program is exam preparation only. It is not the 200-hour course, it provides no pre-licensing education credit, and it does not satisfy that requirement. If you still need your hours, take them from a DFS-approved provider — and use this program to make sure the exam at the end of them goes your way.
What’s included
A Florida bank, not a national bank with a Florida chapter. Florida law is not a footnote on this exam. Under Pearson VUE’s current outline, 36% of the scored questions — about 58 of 160 — test Florida statutes, rules, and regulations: the licensing rules every Florida agent lives under, Citizens Property Insurance, the Florida Insurance Guaranty Association, hurricane deductibles and sinkhole rules, no-fault PIP, the Florida Automobile Joint Underwriting Association. Our Florida bank holds 10,044 questions, and 2,552 of them test Florida law under the outline’s two general-lines law headings. That is the material national courses cover most lightly, and it is where this program is deepest.
An explanation on every question. Every one of the 10,044 questions explains why the correct answer is right and why the tempting alternatives are wrong, in plain language. The explanation is the lesson; the question is how you find out you need it.
Practice exams at the real exam’s weights. Each full practice exam is generated fresh for that attempt, weighted the way Pearson VUE’s Florida outline weights the real thing — casualty policy types and the two Florida-law sections carry the most, the two terms sections and the provisions sections carry their published shares. Questions you have not seen come first, and you never sit the same exam twice.
Drills that match how the exam is built. Drill a single outline section — Florida rules common to all lines, homeowners and dwelling forms, casualty provisions, Florida property rules — or sit the full 160-question simulation against the 3-hour clock. Your results break down by outline section, so a weak area shows up in your practice data before it shows up on a score report.
Questions that stay honest. Every item in the program is monitored from real student responses once the program opens. Questions students find suspiciously easy or suspiciously hard are pulled for review, and anything found wrong is fixed or retired — the bank you practice on is the bank as it should be, not as it shipped.
Analytics that point at the next hour of study. Florida’s exam is nine outline sections wide, and “study more” is not a plan. Your practice results are tracked question by question and rolled up by outline section, so after every drill and simulation you can see exactly which block — Florida common law, casualty provisions, property terms — is costing you points, and spend the next session there instead of re-reading what you already know. Items that behave strangely across many students (answered correctly by nearly everyone, or missed by nearly everyone in ways that suggest a defect rather than difficulty) are flagged for review and fixed or retired, so the difficulty you practice against is the exam’s difficulty, not ours.
Built for where you are in the Florida sequence. Most Florida candidates meet this exam at the end of a 200-hour course: months of material, one shot at proving it stuck. This program is the proving ground — use it alongside your course, or in the gap between finishing your hours and your test date, to convert course exposure into exam performance.
The real exam at a glance
Current as of October 2026, per the Pearson VUE Florida Insurance Licensing Candidate Handbook (publication #121000, 08/2024) and the Florida Insurance Examination Content Outlines (publication #121003, effective January 1, 2026). Full detail — the 200-hour requirement and its alternatives, registration, fingerprints, retakes, test day — is in our Florida insurance exam guide.
| Florida General Lines Agent exam (InsFL-PC06) — license class 2-20 | |
|---|---|
| Administered by | Pearson VUE, for the Florida Department of Financial Services (DFS) |
| License | 2-20 Resident General Lines (Property, Casualty, Surety, Marine, Health and Miscellaneous Lines) |
| Questions you will see | 175 |
| Scored questions | 160 |
| Unscored pretest questions mixed in | 15 (you cannot tell which they are) |
| Time limit | 3 hours (180 minutes) |
| Passing standard | 70% — Florida computes it directly: correct answers divided by total questions |
| Exam fee | $44, paid to Pearson VUE when you reserve |
| License application fee | $50 application fee + $5 license ID fee, paid to DFS through MyProfile (separate from the exam fee) |
| Fingerprinting | $52.50 plus county sales tax, paid to IdentoGO by IDEMIA (separate) |
| Delivery | Pearson VUE test centers only — DFS states OnVUE online proctoring is no longer available for new reservations |
- The 200-hour course comes first for most candidates. The standard route to the 2-20 is a DFS-approved 200-hour property and casualty course completed within four years of applying. DFS also recognizes experience routes (a year of responsible full-time duties in all lines, or a year as a licensed 4-40 / 20-44 / 0-55 plus a 40-hour course) that still require the exam, and routes that exempt the exam entirely (an insurance degree with at least 18 qualifying semester hours, the CPCU designation, or transferring in with a year on an equivalent out-of-state license, applied for within 90 days of becoming a Florida resident). The guide lays out every route exactly as DFS publishes it.
- 70% means 70%. Unlike states that convert results to a scaled score, Florida’s handbook defines the passing score plainly: the number of questions you answer correctly divided by the total. On 160 scored questions, that is 112 correct. Your practice percentages mean what they appear to mean — which makes honest, outline-weighted practice a unusually direct rehearsal.
- One sitting, one result. Florida does not split the 2-20 into separate property and casualty exams, and there is no separately-passed state portion: all 160 scored questions combine into the single 70% result. That cuts both ways — a strong Florida-law block can carry a weaker general section, and an ignored one can sink an otherwise ready candidate. Practice weighted to the whole outline, not to the half you already like.
- This is Florida’s broadest P&C credential. The 2-20 covers property, casualty, surety, marine, health, and miscellaneous lines — personal and commercial. Its exam is correspondingly the state’s longest P&C sitting, and state-reported exam data put first-time success on Florida’s property and casualty exams at roughly six in ten candidates.
How the practice maps to the real exam
Every question in the Florida bank is tagged to a section of Pearson VUE’s current Florida content outline — the same outline the real exam is built from. Counts below are the bank itself, counted question by question, under the bank’s Topic headings. The real exam’s scored counts are converted from the outline’s published percentages against its 160 scored questions.
| Official outline section (approx. scored questions on the real exam) | Practice questions |
|---|---|
| I. Types of Policies (~22) | 1,649 |
| II. Property Insurance Terms and Related Concepts (~15) | 1,124 |
| III. Property Policy Provisions and Contract Law (~13) | 974 |
| IV. Types of Casualty Policies, Bonds, and Related Terms (~24) | 1,724 |
| V. Casualty Insurance Terms and Related Concepts (~15) | 1,123 |
| VI. Casualty Policy Provisions (~13) | 898 |
| Florida Statutes, Rules and Regulations Common to All Lines (~24) | 1,346 |
| Florida Statutes, Rules and Regulations Pertinent to General Lines Insurance (~24) | 1,206 |
| Total (160 scored) | 10,044 |
One honest note on coverage: the official outline also reserves 6% of the exam — about 10 scored questions — for Florida statutes pertinent to health insurance, reflecting the health authority inside the 2-20 license. That slice is part of the real exam and is covered in the Florida exam guide; the practice bank’s Florida-law depth sits in the two general-lines law sections above, which carry 30% of the real exam between them.
How to use it
- Join the notify list today. When enrollment opens, start with the free sample exam — a fixed set of Florida questions across the outline, with full explanations — enough to see how the program teaches and where you stand.
- Drill the Florida-law sections early and often. Together the outline’s Florida sections are 36% of the real exam, and they test concrete Florida facts — day counts, dollar figures, named Florida institutions. Most candidates leave them for last; the score report is where that shows.
- Drill by outline section. Work your weakest general sections (Types of Casualty Policies and the property policy types together carry about 46 of the general questions) until the misses stop repeating.
- Sit full generated exams against the clock. 175 questions in 180 minutes is just over a minute per question once pretest items are mixed in. Practice the pace, not just the material — and because Florida’s 70% is a true percentage, your simulation scores translate directly: you are rehearsing to clear 112 of 160.
- Book the real exam through Pearson VUE when your practice scores sit comfortably above 70% on full simulations — and keep the post-pass clock in mind: a Florida passing score is valid for one year to complete licensing.
Pricing
$29 — the full Florida program, when enrollment opens. All 10,044 questions, every explanation, unlimited fresh practice exams and section drills. If it isn’t for you, our refund policy gives you 14 days provided you have attempted less than 20% of the program (see the site Terms for the full policy).
For comparison, as of October 2026: WebCE’s practice-only Exam Tutor costs $39.95 with no published question count; Kaplan’s standalone InsurancePro QBank starts at $69; full pre-licensing courses from the national providers run $129 to $349. In Florida that comparison needs one clarification the others rarely make: a course and this program do different jobs. If you still need your 200 hours, you need a DFS-approved course — this $29 program does not replace it and does not pretend to. What it replaces is the thin practice layer bundled inside most courses: 10,044 outline-tagged questions with an explanation on every one, for less than any of them charge for practice alone. Candidates who already hold their course certificate — or who qualified by experience — need exactly this and nothing else.
This program is in the works — join the notify list and we’ll email you the moment enrollment opens.
Frequently asked questions
How many questions are on the Florida 2-20 exam?
You will see 175 questions in 3 hours. Of those, 160 are scored and 15 are unscored pretest questions mixed in so you cannot identify them. Treat every question as if it counts, because you cannot tell which ones do not.
What score do I need to pass the Florida general lines exam?
70%. Florida’s candidate handbook defines it directly — the number of questions answered correctly divided by the total number of questions — so on the 160 scored questions you need at least 112 correct. Florida does not use a scaled score for this exam; 70% means 70%.
Does Florida require pre-licensing education for the 2-20 license?
Yes — this is the fact that defines Florida licensing. The standard route is a 200-hour property and casualty course approved by the Department of Financial Services, completed within four years of applying. DFS also lists experience routes that still require the exam (one year of responsible full-time duties in all lines within the last four years, or one year as a licensed and appointed Customer Representative 4-40, Personal Lines Agent 20-44, or Service Representative 0-55 plus a 40-hour approved course), and routes exempt from the exam (an insurance degree including at least 18 semester hours in property, casualty, health, and commercial insurance; the CPCU designation; or an equivalent out-of-state resident license held at least one continuous year, with the Florida application filed within 90 days of becoming a resident).
Does this program count as the 200-hour pre-licensing course?
No. This is exam preparation only. It provides no pre-licensing education credit, it is not a DFS-approved 200-hour course, and completing it does not satisfy Florida’s education requirement. You still need your hours — or another DFS-recognized qualification route — from the proper source. What this program does is prepare you to pass the exam itself.
How much does it cost to get a Florida 2-20 license?
Keep the payments separate, because they go to different places. The exam fee is $44, paid to Pearson VUE when you reserve. Fingerprinting is $52.50 plus your county’s sales tax, paid to IdentoGO by IDEMIA. The license application is a $50 application fee plus a $5 license ID fee, paid to DFS through MyProfile. Your 200-hour course, if you take that route, is priced by its provider and is separate from all three. Exam preparation, like this program at $29, is your choice on top.
Who administers the Florida insurance exam?
Pearson VUE administers it for the Florida Department of Financial Services. You reserve online at Pearson VUE’s Florida insurance page or by phone at 888-274-2020, at least one business day ahead, and you test at a Pearson VUE test center — DFS states that OnVUE online proctoring is no longer available for new Florida reservations. The exam is offered in English (InsFL-PC06) and Spanish (InsFL-PC06S).
Can I take the Florida 2-20 exam online?
No, not under current DFS guidance. Florida insurance candidates may only reserve appointments in a physical test center; previously available online proctoring is closed to new reservations. Exams are also offered at select military-installation test centers.
What do I do after I pass?
Complete your licensing through DFS: your application goes through MyProfile with the $50 application fee and $5 license ID fee, your fingerprint results must be on file, and your qualification proof (for example, your course completion, which your provider reports to DFS within 21 days) must be satisfied. A license alone does not let you transact business — you must also be appointed by an insurer or agency, and a license that goes 48 months without an appointment expires.
How long is my passing score good for?
One year. DFS and the candidate handbook are explicit: a passing score is valid for one year from the date earned, and if licensing is not completed inside that year you must retake and pass the exam.
What happens if I fail?
You reserve again through Pearson VUE and pay the $44 fee for the new attempt. Florida limits candidates to five attempts at the same exam type in any 12-month period, so each attempt is worth preparing for properly. Your score report includes diagnostic information, and Florida also allows a one-time review of your most recent failed exam through Pearson VUE if requested within 90 days. Your practice data here breaks down by the same outline sections, so a retake plan can target the sections that cost you.
Are these the actual exam questions?
No. Every PassProfessor question is written by us, from scratch, to Pearson VUE’s published Florida content outline and Florida insurance law. We never use real exam questions, recalled questions, or another provider’s bank — the exam’s questions belong to DFS, and the candidate rules you agree to when you test prohibit using actual exam content.
Why does the Florida-law part get its own drills?
Because Florida law is about 58 of the 160 scored questions — 36% of the exam — and it is the part national study materials cover thinnest. Florida tests its own institutions (Citizens Property Insurance, the Florida Insurance Guaranty Association, the FAJUA and the workers’ compensation joint underwriting association, the Surplus Lines Service Office) and its own rules (hurricane deductibles, sinkhole versus catastrophic ground cover collapse, PIP and the financial responsibility law, comparative negligence). Our bank holds 2,552 Florida-law questions under the two general-lines law headings so that block can be drilled on its own until it is the easiest part of your exam.
When can I enroll in the Florida program?
Soon — the question bank is complete and the program is in final preparation. Join the notify list on this page and we will email you the day enrollment opens.
Disclaimer
PassProfessor is an independent exam-preparation provider. This program is exam preparation only: it is not pre-licensing education, provides no education credit toward Florida’s 200-hour requirement or any other state requirement, and is not affiliated with, endorsed by, or sponsored by the Florida Department of Financial Services, the Florida Office of Insurance Regulation, or Pearson VUE. All practice questions are original works written to the published content outline; they are not actual examination questions. Exam facts on this page are summarized from the official sources logged below and were current as of October 2026 — confirm fees, scheduling, and requirements with DFS and Pearson VUE before you rely on them, as both update their publications.