Moving Through Chapters: Learn at Your Pace, Not the Timer’s
Once you are in the course, you move through units and lessons as you complete the reading and activities; the materials are presented as online unit lessons, chapter content, and embedded quizzes rather than “time-locked” pages.
- You are expected to work through the lessons in order, unit by unit, so your knowledge builds logically toward the final exam.
- The system tracks your quiz and exam attempts and always saves your highest score for averaging and for your official record.
- The State’s focus is on your mastery (measured through quizzes and the final exam), not on sitting a minimum number of minutes on each page, so once you have read and understood the material on a screen, you can move on.
This means fast readers are not punished by arbitrary timers, and busy professionals can log in, make real progress, and log out without “wasting” time waiting for a Next button to unlock.
Chapter (Unit) Quizzes: Frequent, Low‑Risk Practice
Each unit ends with a quiz, and those quizzes look and feel very much like the state-style questions you will see later on the final and the licensing exam.
- The quizzes use multiple‑choice questions keyed directly to the unit lessons, with clearly labeled references (for example, “U5‑L1‑P19” connects the question back to a specific unit, lesson, and paragraph in your study material).
- Units commonly include 10–30 questions, depending on the complexity of the topics in that section (risk, policy features, underwriting, annuities, Social Security, retirement plans, Florida law, etc.).
- You may take unit quizzes as many times as you want; the system keeps the highest score you earn on each test and uses that in your course grade calculation.
If you do not pass a quiz on the first try, it is simply a signal to circle back to the referenced lesson pages, review the concepts, and retake the quiz; there is no penalty for multiple attempts, and no cap on how many times you can practice.
Final Course Exam: High Standards, Flexible Retakes
Because this is an approved Florida 2‑14 pre‑licensing course, the final exam is designed to mirror the real state licensing exam content and rigor.
- The exam is a comprehensive, multiple‑choice test that covers all major areas required by the Florida 2‑14 outline: types of policies and features, policy riders and provisions, underwriting, taxes and retirement concepts, and Florida‑specific statutes and regulations.
- The outline cross‑references at least 80+ exam questions across these sections (for example, 12 questions on policy types, 20 on riders and provisions, 11 on application and underwriting, 13 on taxes/retirement/other concepts, and 29 tied to Florida statutes and regulations), ensuring you are thoroughly prepared for the licensing exam blueprint.
- The State of Florida requires a 70 or higher on the course final exam, and that final exam grade is what is reported to the Department of Financial Services and printed on your Certificate of Completion.
You can continue to take the final exam until you are satisfied with your score; the highest grade you earn on the Final Exam is the one that is kept for your official records and reported to the State.
If you do not reach 70 on your first attempt, you simply review the units where you struggled, retake the exam, and when you are happy with your results you submit your grades for final scoring. There is a clear one‑way “Submit My Grades” step at the end; once you click that, your grades are finalized and cannot be changed, even if you continue to retake tests for your own review.
What Happens After You Pass
Once you pass the final exam and are ready to finish:
- You complete and submit the Grade Submittal Form inside the course; this tells us you are done and ready for official processing.
- OnLine Training reports your course completion to the Florida Department of Financial Services and then emails you a Certificate of Completion (typically within 30 business days; reporting to the State is done within 21 days).
- If you registered through a Florida college, your college is copied on the Certificate so they also have confirmation that you completed the course.
From there, you move on to the state licensing steps (application, fingerprinting, scheduling the Pearson VUE state exam, etc.), but your course requirement box is checked.
Course Structure: Designed for Working Adults Who Still Need Accountability
If you have been disappointed by online courses that felt either too loose or too rigid, here are a few structural features you will want to know about before enrolling.
- This course is fully online and fulfills the educational prerequisite for the Florida 2‑14 Life Including Annuities & Variable Contracts license.
- You get a named instructor (Jeff King) who invites you to email him directly with content questions, and you also have access to a student Breakroom (forums) plus in‑course messaging for academic support.
- Technical help is available via email, phone, and an online HelpDesk during business hours, so if you get stuck on access or navigation, you are not on your own.
- You are required to complete all quizzes and the final exam on your own, without help from other people or materials while testing; violating that requirement can result in loss of course credit and administrative sanctions from the Florida Department of Financial Services, which protects the integrity of your license.
In practice, this gives you the freedom to learn on your schedule, retake quizzes and the final exam to improve your score, and still enjoy the structure, guidance, and compliance you and your employer need to feel confident about the investment.