Florida offers separate Life and Health insurance licenses depending on the types of products you plan to sell. The three primary resident options are the 2-15 Life & Health license, 2-14 Life license, and 2-40 Health license.
This guide compares these Florida insurance license types, including what each license allows you to sell and the standard pre-licensing education required for each.
For the complete licensing process, including the state exam, application, fingerprinting, and other requirements, review our Florida Insurance License Requirements page.
Florida 2-15 Life & Health Insurance License
The Florida 2-15 license provides authority for both Life and Health insurance and includes annuities and variable contracts. It offers the broadest authority of the three license options for agents who plan to work across both Life and Health lines.
Florida requires a 60-hour pre-licensing course for applicants using the standard education path to qualify for the 2-15 license.
The 2-15 license allows agents to sell products including:
- Term and whole life insurance
- Annuities and variable contracts
- Health insurance
- Disability income insurance
- Medicare supplement coverage
- Long-term care insurance
Review our Florida 2-15 Life & Health Insurance License Guide for more information about this license.
Florida 2-14 Life Insurance License
The Florida 2-14 license provides authority for Life insurance, including annuities and variable contracts, but does not provide Health insurance authority.
Florida requires a 30-hour pre-licensing course for applicants using the standard education path to qualify for the 2-14 license.
The 2-14 license allows agents to sell products including:
- Term life insurance
- Whole life insurance
- Universal life insurance
- Annuities and variable contracts
Review our Florida 2-14 Life Insurance License Guide for more information about this license.
Florida 2-40 Health Insurance License
The Florida 2-40 license provides authority for Health insurance but does not provide Life insurance authority. Florida defines Health insurance to include coverage against loss through sickness or accidental bodily injury.
Florida requires a 40-hour pre-licensing course for applicants using the standard education path to qualify for the 2-40 license.
The 2-40 license allows agents to sell products including:
- Health insurance
- Disability income insurance
- Medicare supplement coverage
- Long-term care insurance
Review our Florida 2-40 Health Insurance License Guide for more information about this license.
Which Florida Insurance License Should You Get?
The right Florida insurance license depends on the products you plan to sell.
- 2-15 Life & Health: For agents who want authority across both Life and Health insurance, including annuities and variable contracts.
- 2-14 Life: For agents focused on Life insurance, annuities, and variable contracts.
- 2-40 Health: For agents focused on Health insurance products.
For agents who plan to work across both Life and Health insurance markets, the 2-15 license provides the broadest authority under one license.
Florida Pre-Licensing Requirements by License Type
The standard Florida pre-licensing education requirements are:
- 2-15 Life & Health: 60 hours
- 2-14 Life: 30 hours
- 2-40 Health: 40 hours
Florida also provides alternative qualification and exemption paths for certain applicants based on factors such as professional designations, education, previous licensing, or reciprocity.
Course completion is part of the licensing requirements, but Pearson VUE does not require an Examination Authorization Notice before scheduling the 2-15, 2-14, or 2-40 exam. That preauthorization requirement applies to Bail Bond examinations.
Frequently Asked Questions
What are the main Florida Life and Health insurance license types?
The three primary resident Life and Health license options are the 2-15 Life & Health license, 2-14 Life license, and 2-40 Health license. Florida lists these as separate license classes based on the lines of insurance an agent is authorized to sell.
What is the difference between a Florida 2-15 and 2-14 license?
The 2-15 license provides both Life and Health authority and includes annuities and variable contracts. The 2-14 license provides Life authority, including annuities and variable contracts, but does not provide Health authority.
What is the difference between a Florida 2-15 and 2-40 license?
The 2-15 license provides both Life and Health authority. The 2-40 license provides Health authority only and does not authorize the sale of Life insurance products.
How many pre-licensing hours are required for a Florida 2-15 license?
The standard 2-15 pre-licensing requirement is a 60-hour Florida-approved Life and Health insurance course.
How many pre-licensing hours are required for a Florida 2-14 license?
The standard 2-14 pre-licensing requirement is a 30-hour Florida-approved Life and variable contracts course.
How many pre-licensing hours are required for a Florida 2-40 license?
The standard 2-40 pre-licensing requirement is a 40-hour Florida-approved Health insurance course.
Which Florida insurance license gives you the broadest Life and Health authority?
The Florida 2-15 license provides authority for both Life and Health insurance and includes annuities and variable contracts, giving it broader authority than the 2-14 Life-only or 2-40 Health-only licenses.
Next Steps
Once you know which Florida insurance license fits your goals, the next step is completing the applicable pre-licensing education and preparing for the state licensing exam.
Review our Florida Pre-Licensing Courses to select the appropriate 2-15 Life & Health, 2-14 Life, or 2-40 Health course and begin the licensing process.
