Florida 2-15 Health & Life Insurance Pre-Licensing Course: Full Syllabus and Course Guide (2026)
If you are preparing for the Florida 2-15 Health & Life (Including Annuities & Variable Contracts) license exam, this page gives you the complete course syllabus, a breakdown of every topic covered, and everything you need to know about OLT’s 60-hour online pre-licensing course.
Ready to enroll? Start today — immediate access, no waiting for class start dates.
Enroll in the 2-15 Course →60 hours · 100% online · self-paced · 3-month enrollment · Florida DFS Provider #366468
What Is the Florida 2-15 License?
The Florida 2-15 Health & Life (Including Annuities & Variable Contracts) license is the state’s main life and health insurance license. It allows you to sell life insurance, health insurance, fixed and variable annuities, and related products in Florida — serving individuals, families, retirees, and businesses.
It is one of the most versatile insurance licenses in Florida, covering both life and health lines under a single credential. Agents with a 2-15 license work in agencies, carrier offices, financial services firms, and independent practices across the state.
What Can You Do With a Florida 2-15 License?
⭐ Life Insurance
Sell term life, whole life, universal life, and other life insurance products to individuals and families seeking protection and income replacement.
⭐Health Insurance
Sell individual and group health coverage, medical expense plans, disability income insurance, and related health benefits.
⭐ Annuities
Sell both fixed and variable annuities, including retirement planning products — one of the most in-demand product lines in Florida’s aging population market.
⭐Business Clients
Work with businesses on group health plans, key-person life insurance, and employee benefits packages alongside individual client work.
About the OLT 60-Hour 2-15 Pre-Licensing Course
OLT’s Florida 2-15 Health & Life Pre-Licensing Course is designed to take you from beginner to exam-ready, covering everything on the Florida state licensing exam content outline and the NAIFA-Florida Study Manual.
| Course | 60-Hour 2-15 Health & Life Pre-Licensing (INS003FL60) |
| Provider | OnLine Training, Inc. (OLT) — DFS Provider #366468 |
| Delivery | 100% online, text-based, self-paced |
| Devices | Smartphone, tablet, or computer |
| Enrollment | 3 months (extensions available) |
| Access | Immediate — login details sent by email after registration |
| Required manual | Florida Health & Life Study Manual (NAIFA-Florida) |
| State exam | Separate Florida licensing exam at Pearson VUE after course completion |
| Completion certificate | Available immediately after passing the course final exam |
Why Choose OLT for Your 2-15 Pre-Licensing Course?
- Immediate access — enroll and start learning right away, no waiting for class start dates
- Interactive study tools — guided reading, fill-in-the-blank exercises, and highlighting tools help you stay engaged and retain key concepts
- Expert Florida instructors — get help quickly via email, phone, messaging, or discussion forums whenever you need clarification
- Flexible timing — 3 months of access with extension options if you need more time to prepare
- Instant certificate of completion — download immediately after passing the final exam so you can move straight to scheduling your state exam
- Study on any device — phone, tablet, or computer, anytime, anywhere
Ready to get your Florida 2-15 license? Enroll today and start immediately.
Enroll in the 2-15 Course →Full Course Syllabus: Florida 2-15 Health & Life Pre-Licensing
The course follows the Florida Health & Life (Including Annuities & Variable Contracts) Study Manual and the official Florida exam content outline. It is divided into four parts plus a comprehensive final exam.
Covers the foundational concepts that underpin all life and health insurance products — the building blocks you need before diving into specific product types.
- OLT Introduction — 2-15 Pre-Licensing Overview
- Chapter 1 — Lesson & Quiz
- Chapter 2 — Lesson & Quiz
- Chapter 3 — Lesson & Quiz
- Chapter 4 — Lessons 1, 2 & 3 & Quiz
The most extensive section of the course — covers all major life insurance product types, policy features, contract provisions, underwriting basics, and annuity concepts.
- Chapters 5 through 14 — Lessons & Quizzes
- Life Insurance Review Lesson
- Life Insurance Section Exam Quiz
You are halfway through the course at the start of Part 3.
Covers individual and group health insurance, medical expense plans, disability income, long-term care, and related health coverage types.
- Chapters 16 through 25 — Lessons & Quizzes
- Health Insurance Review Page
- Health Insurance Section Exam Quiz
Covers the Florida-specific insurance statutes, regulations, licensing requirements, and ethical standards that apply specifically to 2-15 agents practicing in Florida.
- Chapters 26 through 30 — Lessons & Quizzes (Chapter 29 has 7 lessons)
- Florida Specifics Review Page
- Florida Specifics Section Exam Quiz
A comprehensive online final exam covering all four parts of the course, aligned with the Florida 2-15 exam content outline and NAIFA-Florida Study Manual. Passing the final exam earns your certificate of completion, which you can download immediately and use to schedule your Florida state licensing exam at Pearson VUE.
Required Materials & Helpful Links
Required Study Manual
The Florida Health & Life (Including Annuities & Variable Contracts) Study Manual published by NAIFA-Florida is required for this course. It is the manual the Florida state exam is based on.
Order the NAIFA-Florida Study Manual →
Official Links
- OLT 2-15 Course Enrollment Page
- Education Information for Licensees — MyFloridaCFO
- NAIFA-Florida Study Manual Site
- Florida State Exam Content Outlines — Pearson VUE
Enroll in the 2-15 course
Get immediate access to OLT’s 60-hour Florida 2-15 pre-licensing course. Study at your own pace and be exam-ready in weeks.
Start the 2-15 Course →Compare 2-15, 2-14, and 2-40
Not sure which life and health license is right for you? Our comparison guide explains the differences and helps you choose.
See the License Comparison →Florida 2-15 License — Frequently Asked Questions
The Florida 2-15 pre-licensing course is 60 hours, as required by Florida DFS. OLT’s course gives you 3 months of access to complete it at your own pace, with 1-month extensions available if you need more time.
Many students who study consistently complete it within 1–3 weeks. Others spread it over several weeks while working full-time. You have 3 months of access so there is no need to rush.
Yes — the Florida Health & Life (Including Annuities & Variable Contracts) Study Manual published by NAIFA-Florida is required for the course. It is the same manual the Florida state exam is based on. You can order it directly from fl.naifa.org.
After passing the course final exam, you can download your certificate of completion immediately. You then use that certificate to apply for your Florida 2-15 license through DFS MyProfile and schedule your Florida state licensing exam at a Pearson VUE test center.
The 2-15 covers life insurance, health insurance, and annuities — making it the most versatile of the three. The 2-14 covers life insurance and variable annuities only (no health). The 2-40 covers health insurance only (no life or annuities). If you want to sell both life and health products, the 2-15 is the right choice.
Yes — OLT’s 2-15 course is fully accessible from any smartphone, tablet, or computer. There are no videos to download or software to install. You can study from wherever you have an internet connection.
Yes — “215 license,” “2-15 insurance license,” “215 insurance license Florida,” and “Florida life and health license” all refer to the same credential: the Florida DFS 2-15 Health & Life (Including Annuities & Variable Contracts) license.