The Florida 2-15 Life & Health insurance license provides authority to sell both life and health insurance products, including annuities and variable contracts. For applicants using the standard education path, Florida requires a 60-hour approved pre-licensing course and the applicable state licensing exam.
This guide explains what the Florida 2-15 license allows you to sell, the required pre-licensing education, the state exam, and the requirements to become licensed.
For the complete licensing process, including application, fingerprinting, fees, and state procedures, review our Florida Insurance License Requirements page.
What Is the Florida 2-15 Life & Health Insurance License?
The Florida 2-15 is officially the Resident Health & Life, Including Annuities & Variable Contracts, Agent License. It combines Life and Health authority under one Florida license class.
The 2-15 license provides authority for products including:
- Term and whole life insurance
- Annuities and variable contracts
- Health insurance
- Disability income insurance
- Medicare supplement coverage
- Long-term care insurance
Certain products may require additional training, appointments, registrations, or other requirements before they can be sold.
Unlike the Florida 2-14 Life Insurance License, which provides Life authority, or the Florida 2-40 Health Insurance License, which provides Health authority, the 2-15 provides authority across both lines.
Florida 2-15 Pre-Licensing Education Requirements
For applicants using Florida’s standard education qualification path, the 2-15 license requires completion of a 60-hour approved Life and Health pre-licensing course. The course must be completed within four years of the license application date.
The 60-hour course is a licensing prerequisite, but it does not have to be completed before you schedule or take the Pearson VUE licensing exam. Pearson VUE requires examination authorization before scheduling Bail Bond exams, but not the 2-15 examination.
Florida also recognizes certain alternative qualification paths that may waive the standard pre-licensing requirement or state examination, depending on professional designations, prior licensing, education, or license transfer eligibility.
What the Florida 2-15 Pre-Licensing Course Covers
A Florida-approved 2-15 pre-licensing course covers Life, Health, annuity, and Florida-specific insurance concepts required for the license.
Topics include:
- Life insurance fundamentals
- Health insurance concepts and policy types
- Policy provisions and riders
- Annuities
- Florida insurance laws and regulations
- Agent responsibilities and consumer protections
Our Florida 2-15 course also includes exam-style practice questions and timed practice exams to reinforce the material and help you determine when you are ready for the state licensing exam.
Florida 2-15 Insurance Exam
The Florida 2-15 licensing exam is administered by Pearson VUE.
The examination covers both general Life and Health insurance concepts and Florida-specific laws and regulations. A score of 70% is required to pass.
Florida candidates may schedule the 2-15 examination directly with Pearson VUE. Course completion authorization is not required to make the examination reservation.
How Long Should You Prepare for the Florida 2-15 Exam?
Many students complete the 60-hour course and prepare for the Florida 2-15 exam within two to four weeks when studying consistently.
Rather than scheduling the exam based only on the number of days you have studied, use your understanding of the material and performance on comprehensive practice exams to determine when you are ready to test.
Florida 2-15 Licensing Requirements
Applicants using the standard qualification path must satisfy the applicable Florida licensing requirements, including:
- Meet Florida’s age, residency, and eligibility requirements
- Complete the approved 60-hour Life and Health pre-licensing course
- Pass the Florida 2-15 licensing exam
- Submit the Florida insurance license application
- Submit fingerprints for the required background check
- Receive approval from the Florida Department of Financial Services
Florida requires the application and fingerprints as part of the licensing process, and the Department must receive the required prerequisite documentation and passing examination result before the license can be approved.
For detailed application, fingerprinting, fees, and licensing instructions, use the Florida License Requirements button at the top of this guide.
Florida 2-15 vs. 2-14 and 2-40
The difference between Florida’s three primary Life and Health license classes is the authority each provides:
- 2-15 Life & Health: Life and Health authority, including annuities and variable contracts
- 2-14 Life: Life authority, including annuities and variable contracts
- 2-40 Health: Health authority
The 2-15 provides the broadest authority of these three options for an agent who plans to work in both the Life and Health markets. Florida lists all three as separate resident license classes.
Choosing a Florida 2-15 Pre-Licensing Course
Florida requires approved pre-licensing education for applicants qualifying through the standard education path, but course design and exam preparation can differ by provider.
Look for Florida-specific instruction, exam-style practice questions, timed practice exams, and feedback that helps identify areas requiring additional review.
National Online Insurance School’s Florida 2-15 course satisfies the required 60 hours while providing exam preparation within the same enrollment.
Frequently Asked Questions
How many pre-licensing hours are required for a Florida 2-15 license?
Florida’s standard education path requires a 60-hour approved Life and Health pre-licensing course.
Do you have to complete the 60-hour course before taking the Florida 2-15 exam?
No. The 60-hour course is a licensing prerequisite under the standard qualification path, but Pearson VUE does not require course-completion authorization before a candidate schedules the 2-15 licensing exam.
What can you sell with a Florida 2-15 license?
The 2-15 provides Health and Life authority, including annuities and variable contracts. It covers both Life and Health insurance markets under one Florida license class.
What is the difference between the Florida 2-15 and 2-14 licenses?
The 2-15 provides both Life and Health authority. The 2-14 provides Life authority, including annuities and variable contracts, but does not provide Health authority.
What is the difference between the Florida 2-15 and 2-40 licenses?
The 2-15 provides both Life and Health authority. The 2-40 is the resident Health license and does not provide Life authority.
Does a Florida 2-15 license require an appointment?
Yes. Florida states that the 2-15 license requires an appointment to be valid.
Next Steps
If you plan to become licensed for both Life and Health insurance in Florida, the next step is completing the required education and preparing for the 2-15 licensing exam.
Review our Florida 2-15 Life & Health Pre-Licensing Course to complete the 60-hour requirement and prepare for the Florida state exam.
