Conquer the Florida Life and Annuity (incl. Variable Contracts) Exam in Under 90 Minutes: Sunshine State Licensing Guide

Life Insurance, Annuities, and Variable Contracts for Florida

By: Philip Martin McCaulay

Narrated by: Virtual Voice

The Conquer the Exam in Under 90 Minutes series is the original audiobook-first study solution for licensing and vocational tests. These guides are designed for clarity and efficiency, helping you master the essentials without wasting time on filler.

This book is built specifically for the Florida Life and Annuity (including Variable Contracts) Exam, administered under the authority of the Florida Department of Financial Services. What makes this guide different is what it leaves out. It is not a bulky textbook loaded with irrelevant material. It is not crammed with practice questions that do not translate well into audio. And it is not a recycled “insurance” book with Florida simply added to the title.

Instead, you get a focused, blueprint-driven review that covers every major test area, including:

• Life insurance foundations, policy provisions, and contract law.
• Annuities, variable contracts, and Florida-specific suitability standards.
• Underwriting, claims, and required policy riders.
• Consumer protections such as replacement rules, disclosures, free-look periods, and senior safeguards.
• Florida statutes and Department of Financial Services rules, including licensing, ethics, and disciplinary actions.
• Exam-day strategies to manage time, approach scenario-based questions, and avoid common mistakes.

If you’ve already invested your time and money preparing for this license, don’t leave success to chance. This concise, exam-focused review is here to help you pass the first time.

Written by an actuary with more than 40 years of professional experience and over 20 years of success writing bestselling study guides, this book is independently authored and published. It is not affiliated with or endorsed by the Florida Department of Financial Services, Pearson VUE, or any official agency. Always confirm the most current exam outlines and requirements with the Florida Department of Financial Services.