Florida offers separate resident agent licenses for Life-only, Health-only, and combined Life and Health authority. The 2-14 is the Life-only license and follows its own education, examination, application, and appointment requirements. Some applicants may qualify through an alternative education, designation, or license-transfer path instead of the standard pre-licensing route.
For the complete licensing process, including application, fingerprinting, fees, and state procedures, review our Florida Insurance License Requirements page.
What Is the Florida 2-14 Life Insurance License?
Florida officially identifies the 2-14 as the Resident Life, Including Annuities & Variable Contracts, Agent License. It provides Life insurance authority without the broader Health authority included with the Florida 2-15 license.
The 2-14 license provides authority for products including:
- Term life insurance
- Whole life insurance
- Universal life insurance
- Fixed annuities
- Variable annuities and other variable contracts
- Certain additional benefits associated with Life insurance policies
Certain products may require additional training, registration, appointments, or other requirements before they can be sold. Variable annuities and other variable contracts also require the appropriate securities registration in addition to the Florida 2-14 insurance license.
Unlike the Florida 2-15 Life & Health Insurance License, which provides both Life and Health authority, or the Florida 2-40 Health Insurance License, which provides Health authority, the 2-14 is focused on the Life line.
Florida 2-14 Pre-Licensing Education Requirements
For applicants using Florida’s standard education qualification path, the 2-14 license requires completion of a 30-hour Florida-approved Life pre-licensing course within four years of the license application date.
The 30-hour course must be completed before submitting the license application, but it does not have to be completed before you schedule or take the Florida 2-14 licensing exam.
Florida also recognizes alternative qualification paths for certain applicants based on approved professional designations, insurance education, previous licensing, or license-transfer eligibility.
What the Florida 2-14 Pre-Licensing Course Covers
A Florida-approved 2-14 pre-licensing course covers Life insurance, annuity, variable-contract, and Florida-specific insurance concepts required for the license.
Topics include:
- Life insurance fundamentals
- Life insurance policy types
- Policy provisions and riders
- Beneficiary designations
- Annuities and variable contracts
- Florida insurance laws and regulations
- Agent responsibilities and consumer protections
Our Florida 2-14 Life Pre-Licensing 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 2-14 Insurance Exam
The Florida 2-14 licensing exam is administered by Pearson VUE and is taken in person at an authorized testing center. Online proctored testing is no longer available for new Florida insurance exam reservations.
The Florida Agent’s Life, including Annuities & Variable Contracts, exam includes 85 scored questions and 10 unscored pretest questions, for 95 questions total. Candidates have 2 hours to complete the exam, and a score of 70% is required to pass. The current examination fee is $44 per attempt.
Pretest questions are mixed throughout the exam and are not identified as unscored questions.
Candidates may schedule and take the 2-14 exam before completing the 30-hour pre-licensing course. The course must still be completed before submitting the license application under the standard education path.
How Long Should You Prepare for the Florida 2-14 Exam?
For planning purposes, allow about 1 to 3 weeks to complete the 30-hour course and prepare for the Florida 2-14 exam when studying consistently. Actual preparation time varies based on prior insurance knowledge, available study time, and practice exam performance.
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 2-14 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 30-hour Life pre-licensing course
- Pass the Florida 2-14 licensing exam
- Submit the Florida insurance license application
- Submit fingerprints for the required background check
- Receive approval from the Florida Department of Financial Services
The 2-14 license must also be appointed to be valid.
For detailed application, fingerprinting, fees, and licensing instructions, review our Florida Insurance License Requirements page.
Florida 2-14 vs. 2-15 and 2-40
The difference between Florida’s three primary Life and Health license classes is the authority each provides:
- 2-14 Life: Life authority, including annuities and variable contracts
- 2-15 Life & Health: Life and Health authority, including annuities and variable contracts
- 2-40 Health: Health authority
The 2-14 is designed for agents who plan to focus on Life insurance, annuities, and related products without needing broader Health insurance authority.
For more information about the other options, review our Florida 2-15 Life & Health Insurance License Guide or Florida 2-40 Health Insurance License Guide.
Choosing a Florida 2-14 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, detailed answer reviews, and progress tracking that helps identify areas requiring additional study.
National Online Insurance School’s Florida 2-14 course satisfies the required 30 hours while providing exam preparation within the same enrollment.
Frequently Asked Questions
How many pre-licensing hours are required for a Florida 2-14 license?
Florida’s standard education path requires a 30-hour approved Life pre-licensing course completed within four years of the license application date.
Do you have to complete the 30-hour course before taking the Florida 2-14 exam?
No. The 30-hour course is a licensing prerequisite, but it does not have to be completed before you schedule or take the Florida 2-14 licensing exam.
What can you sell with a Florida 2-14 license?
The Florida 2-14 provides Life authority, including life insurance, annuities, and variable contracts. Selling variable annuities and other variable products also requires the appropriate securities registration.
Can you sell health insurance with a Florida 2-14 license?
No. The 2-14 does not provide Health authority. Agents who need both Life and Health authority can pursue the Florida 2-15 license, while the 2-40 provides Health-only authority.
What is the difference between the Florida 2-14 and 2-15 licenses?
The 2-14 provides Life authority, including annuities and variable contracts. The 2-15 provides both Life and Health authority.
Does a Florida 2-14 license require an appointment?
Yes. The Florida 2-14 license requires an active appointment to be valid for transacting insurance. If the license remains unappointed for 48 months, it will expire.
Next Steps
If you plan to become a Life insurance agent in Florida through the standard education path, a practical next step is completing the required 30-hour pre-licensing course while preparing for the 2-14 state exam.
Review our Florida 2-14 Life Pre-Licensing Course to complete the 30-hour requirement and prepare for the Florida state exam.
