Hi, I'm Cristin 👋
Licensed insurance agent. Professional exam survivor. Twice.
A little while ago I was where you are now: highlighter in hand, 400 pages of insurance terms staring back at me, seriously considering a new career as a professional napper. Instead, I passed the Georgia Personal Lines exam. Then, because I apparently enjoy this sort of thing, I passed Florida's 20-44 a few months later and got my Florida license.
Both times I went hunting for a study pack that would just tell me what the exam actually tests — in English, not insurance-ese. It didn't exist. So I made it. You're welcome, and also, I'm sorry it took two exams.
Every SunStateStudy pack is built by me from that state's official exam outline, which is a nerdy way of saying: the stuff worth the most points gets the most pages. Terms & Concepts isn't glamorous, but neither is retaking an exam at $60 a pop. Inside each pack: plain-English study guides, original practice questions with every answer explained (yes, even the ones you got wrong — especially those), printable flashcards, a last-day cheat sheet for the panic-study crowd, and a free interactive bonus with a practice quiz, a timed practice exam, and 100 tap-to-flip flashcards for when your eyes refuse to read one more paragraph.
Now studying-hating students in Florida, Texas, California, New York, Illinois, and Georgia can suffer more efficiently. More states coming, because I have a problem.
The honest fine print: these are study aids, not the required pre-licensing course, and I can't guarantee you'll pass — anyone who does is selling you something else. What I can guarantee is that this is the pack I wish someone had handed me, written by a person who sat in that wobbly testing-center chair, heard "you passed" twice, and did a little parking-lot happy dance both times.
You've got this. And if I can pass it twice, your odds are looking great.
— Cristin, SunStateStudy
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Frequently asked questions
Is this the official pre-licensing course?
No. Florida requires a state-approved pre-licensing course before you can sit for the exam. This pack is a study supplement to help you prepare for the exam itself.
Are these real exam questions?
No — and be careful with any seller who claims otherwise. Exam questions are confidential. These are 100 original questions written to the official published outline, weighted like the real test.
How do I get my file?
After checkout, Etsy provides a download link on your receipt page and by email. The PDF works on any device and the flashcards and cheat sheet are made to print.
Can I get a refund?
Because this is an instant digital download, sales are generally final — but if your file won't open or downloads corrupted, message me and I'll make it right.
When was this updated?
This is the 2026/2027 edition, built on the current Pearson VUE / Florida DFS content outline.
How do I access the interactive quiz, practice exam, and flashcards?
Every study pack includes free access to the SunStateStudy practice hub for your state — a practice quiz with instant explanations for every question, a full timed practice exam scored against your state's real pass mark, and 100 interactive flashcards. The private link and a QR code are printed on the "Your Interactive Bonus" page inside your PDF, right after Part 1 — open it on any phone, tablet, or computer; no account or extra app is needed. The link is a buyer bonus, so please don't share it publicly. (Your PDF also includes 40 printable flashcards.)