How to Obtain a Life and Health Insurance License in Florida

Before You Begin

There are three (3) types of Florida Life and Health Insurance licenses:

  • 2-15 Florida Health & Life (Including Annuities & Variable Contracts) Agent License
  • 2-14 Florida Life (Including Annuities & Variable Contracts) Agent License
  • 2-40 Florida Health Agent License

Applicants for one of the above licenses must:

  • be a resident of Florida,
  • be at least 18 years old, and
  • have a Social Security Number (if you do not have one, click here and select "SSN" to learn how to apply for one)

Application approval generally takes 5-15 business days.

The steps outlined below will tell you how to get a Life and Health Insurance license in Florida.

Step 1: Complete Pre-Licensing Course

60 Hour Health and Life (Including Annuities and Variable Contracts) Agent Pre-Licensing Online Course.

Tuition is $139 tuition for the BASIC COURSE or $189 tuition for the ESSENTIAL Course, and includes a 4-month (120 days) enrollment term.

All applicants must complete the required education and pass the end-of-course final exam with a score of 70% or better. Your Course Completion Certificate is valid for four (4) years from the date of issuance.

Through our partnership with Kaplan University, we offer the following Florida Insurance Licensing Courses:

  • 60 Hour Florida Health & Life (Including Annuities & Variable Contracts) Agent License Course
  • 40 Hour Florida Life (Including Annuities & Variable Contracts) Agent License Course
  • 40 Hour Florida Agent License Course

Kaplan University is required to submit proof of your course completion to the Department of Financial Services Bureau of Licensing within 20 days of your course exam pass date.

Step 2: Pass the State License Exam

You can schedule your Florida insurance exam at any time. Completion of the pre-licensing course is NOT required in order to schedule the test. Our recommendation is to take the state exam 5-10 days after you've completed your course. Scheduling can be completed by calling 1-888-274-2020 or visiting PearsonVUE.com. The state exam fee is $44 for each attempt.

Regardless of which exam you take, a 70% score is required to pass. A passing score is valid for one (1) year from the passing date. You will be required to re-take the exam if you do not complete the licensing process within that time-frame. You are limited to five (5) examination attempts during a one (1) year period.

Each exam contains 15 "pretest" questions that do not affect your final score. "Pretest" questions are distributed throughout the exam randomly. Most likely these questions will look very different from the course materials and practice questions covered in our class because we have no knowledge of the content of these "pretest" questions.

2-15 Health & Life

Code: InsFL-LHA05
Number of Questions: 165 (150 are scored, 105 correct to pass)
Time Limit: 2 Hours and 45 Minutes

2-14 Life

Code: InsFL-Life01
Number of Questions: 100 (85 are scored, 56 correct to pass)
Time Limit: 2 Hours

2-40 Health

Code: InsFL-Health02
Number of Questions: 100 (85 are scored, 56 correct to pass)
Time Limit: 2 Hours

PearsonVUE Exam
Reservation

Use the corresponding code listed in the section when scheduling by phone or online.

Exam Reservation User GuidePDF Download

Step 3: Register for Electronic Fingerprinting

Florida requires electronic fingerprints be taken in order to run a criminal background check.

To make a reservation with MorphoTrust, click the Online Fingerprint Reservation button or call 800-528-1358. Insurance license fingerprint records are good for 1 year. Cost of fingerprinting is $48.55. The results of your criminal history check will be submitted electronically to the Florida Department of Financial Services.

Southwest Florida has two Insurance License fingerprinting locations:

  • Fort Myers: Fingerprint Services - 8192 College Pkwy, Suite A-27
  • Naples: Asares Advanced Fingerprint Solutions - 11725 Collier Blvd, Suite E-2
Online Fingerprint Reservation

If you are asked for the "ORI" number at any time during the fingerprint process, use FL921060Z. This is how the fingerprinting company knows your fingerprints are for Florida Insurance Agent licensing.

Step 4: Submit Application

The application can not be submitted until the pre-licensing education has been completed from Step 1.

Submit a license application to the Florida Department of Financial Services (DFS). On the application you will share information about yourself and include a fee of $55 payable to the DFS. Click the Online Application button to access the MyProfile page managed by the DFS Bureau of Licensing. Either login to an existing account or click on "Create Account."

When creating an account for the first time, you will select "Individual" as your account type. The license type is one of the following:

  • 2-15 Health & Life
  • 2-14 Life
  • 2-40 Health

Step 5: Print Your License

After all the steps above have been completed, the DFS Bureau of Licensing will send your license approval by email. You can print your license from your MyProfile page.

The total cost to obtain your Florida Insurance License:

  • 2-15 Health & Life Insurance License is $147.55 plus course tuition
  • 2-14 Life Only Insurance License is $147.55 plus course tuition
  • 2-40 Health Only Insurance License is $147.55 plus course tuition

Contact us today with any questions about how to obtain a Life and Health Insurance License in Florida