How To Obtain Your Life & Health Insurance License In Florida

Getting your Florida life & health insurance license is the first step to becoming an insurance agent in Florida. Whether you’re interested in selling property and casualty insurance, life insurance, health insurance, or any combination of those lines of authority, this article has the information you need to get started. The Florida Division of Insurance Agent & Agency Services has a process to getting your insurance license.

Do I Need To Be Hired or Sponsored By An Insurance Agency To Get My Insurance License?


No, you don’t need to be hired or sponsored by an insurance company or agency to go through the process of obtaining your insurance license. In fact, going through the process of getting and being licensed beforehand actually makes you more marketable for opportunities.

There are three types of Florida Life and/or 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
  • Have a valid Social Security Number


Florida Insurance Pre-License Education Course


You must now take your Florida insurance pre-license education course. The Florida Division of Insurance Agent & Agency Services REQUIRES that you take and pass a prelicensing course.


Most people choose to take their insurance pre-license course online. These courses are created specifically to give you the skills you need to pass the test and fill the Florida requirement of taking & passing a life & health insurance pre-licensing course. 

You can enroll in the Florida 2-15 Life, Annuity & Health course here: New Leaf Exams Florida Pre-Licensing Course

 A 70% score is required to pass the course final exam. A passing score is valid for one 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.

Pass the State of Florida License Exam


We recommend that you take the state exam 5-10 days after you've completed your course. Scheduling can be completed by calling 1-866-241-5527 or visiting the Pearson Vue website. The state exam fee is $44 for each attempt.


2-15 Life, Annuities & Health Exam

Number of Questions: 165 (15 pilot questions not scored, 150 are scored, 105 correct to pass)

Time Limit: 2 Hours and 45 Minutes


Register for Electronic Fingerprinting


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


Click here to make a reservation with IdentoGo, or call 844-321-2124. Insurance license fingerprint records are good for 1 year. The results of your criminal history check will be submitted electronically to the Florida Department of Financial Services.


Submit Your Application


The application cannot be submitted until your pre-licensing education has been completed and you have passed your license exam.


Submit a license application to the Florida Department of Financial Services (DFS). On the application you will share information about yourself and include a small fee 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.


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.


What If I Have a Criminal Record?


If interested in a career in insurance, you must undergo a full background check with fingerprinting. This process will reveal any criminal history, and if you have a past that includes crimes that involve dishonesty or a breach of trust from working in the insurance business, you will be denied licensure. Bill Clinton was responsible for this law called the Violent Crime Control and Law Enforcement Act of 1994. However, the law does permit you to become licensed if you can produce a signed 1033 consent waiver from the state where you operated.


Other considerations that will affect your ability to become licensed are the frequency of offenses, sentencing, and completion of rehabilitation. The insurance commissioner is really only concerned with felonies that are related to your ability to perform the functions necessary to work in the insurance industry.


Crimes such as robbery, theft, burglary, dishonesty, fraud, breach of fiduciary trust and any convictions related to work within the insurance industry would prohibit someone from being licensed. Other crimes that would affect licensure are those that threatened public safety and violent or financial crimes.

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