How to Get Life and Health Insurance License in Florida

Florida Life and Health Insurance Licensing Requirements

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:

The steps outlined below will tell you how to get a Life and Health Insurance license in Florida. Application approval generally takes 5-15 business days.

A Step-By-Step Guide

1. Complete Pre-Licensing Course

60 Hour Health and Life (Including Annuities and Variable Contracts) Agent Pre-Licensing Course. The ONLINE course is $169 tuition and includes a 4-month (120 days) enrollment term.

Click below to view more information and to purchase the course:

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 - $44

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 The state exam fee is $44 for each attempt. 

Use the code listed in the table below when scheduling by phone or online. View more detailed State Exam Information.

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.

Exam Type and CodeNumber of QuestionsTime Limit
2-15 Health & Life
Code: InsFL-LHA05
165 (150 are scored)
=105 correct to pass
2 hours 45 minutes
2-14 Life
Code: InsFL-Life01
100 (85 are scored)
=56 correct to pass
2 hours
2-40 Health
Code: InsFL-Health02
100 (85 are scored)
=56 correct to pass
2 hours

Step 3. Register for Electronic Fingerprinting - $48.55

Florida requires electronic fingerprints be taken in order to run a criminal background check. To make a reservation with MorphoTrust, click the link below 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. 

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. 

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

Step 4: State Application - $55

*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 icon below 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

Call (239) 344-7510 or submit an email