Florida Insurance Pre-Licensing Course Hours
Florida requires approved pre-licensing education for applicants pursuing certain Life and Health insurance licenses unless an applicant qualifies for an applicable exemption.
The required course hours depend on the license:
- Florida 2-14 Life: 30-hour pre-licensing course
- Florida 2-40 Health: 40-hour pre-licensing course
- Florida 2-15 Life & Health: 60-hour pre-licensing course
For students completing their pre-licensing education through a self-paced online course, the approved course hours do not necessarily represent the minimum amount of time required to complete the course.
What Is Florida’s 75% Pre-Licensing Course Requirement?
Florida Statute §626.2817 establishes requirements for providers offering pre-licensing education for insurance agents and other licensees.
Under the statute, a course provider cannot grant completion credit unless a student has completed at least 75% of the required hours of a department-approved pre-licensing course.
For Florida’s primary Life and Health pre-licensing courses, this means:
- Florida 2-14 Life: 22.5 hours of the 30-hour course
- Florida 2-40 Health: 30 hours of the 40-hour course
- Florida 2-15 Life & Health: 45 hours of the 60-hour course
Students completing a self-paced online course can therefore satisfy Florida’s minimum course-hour requirement without completing 100% of the approved course hours.
You can review the requirement directly in Florida Statute §626.2817.
What Does Self-Paced Mean for a Florida Online Insurance Course?
A self-paced online pre-licensing course gives you flexibility over when you study and how you divide the coursework throughout your enrollment period.
You can study for several hours on one day and fewer hours on another. You can also progress through the lessons according to your understanding of the material rather than following a scheduled classroom format.
Self-paced does not mean that the course can be completed in any amount of time. Florida’s minimum course-hour requirement still applies.
This gives online students flexibility over their study schedule while still satisfying the state’s pre-licensing education requirements.
Florida 2-14 Life Pre-Licensing Course
The Florida 2-14 Life pre-licensing course requires 30 hours of approved education.
The course prepares candidates pursuing a Life license, including authority for life insurance, annuities, and variable contracts.
For more information about the license, education requirement, and licensing process, review our Florida 2-14 Life Insurance License Guide.
Florida 2-40 Health Pre-Licensing Course
The Florida 2-40 Health pre-licensing course requires 40 hours of approved education.
The course is intended for candidates pursuing Health authority without the Life authority included with the broader 2-15 license.
For more information about the license, education requirement, and licensing process, review our Florida 2-40 Health Insurance License Guide.
Florida 2-15 Life & Health Pre-Licensing Course
The Florida 2-15 Life & Health pre-licensing course requires 60 hours of approved education.
The course prepares candidates for a license that includes both Life and Health insurance authority, along with annuities and variable contracts.
For more information about the license, education requirement, and licensing process, review our Florida 2-15 Life & Health Insurance License Guide.
How Fast Can You Complete a Florida Online Pre-Licensing Course?
How quickly you can complete a Florida online pre-licensing course depends on the license type and how you structure your study time.
Because online courses are self-paced, you can determine when you study and how much coursework you complete during each study session. However, Florida’s minimum course-hour requirement must still be satisfied before the course can be completed.
For example, a student taking the 60-hour 2-15 Life & Health course may satisfy the minimum course-hour requirement after 45 hours rather than completing the full 60 hours.
This gives students who progress through the material quickly the ability to complete their pre-licensing education sooner while still meeting Florida’s course-hour requirement.
Course Completion vs. State Exam Readiness
Satisfying Florida’s minimum course-hour requirement does not necessarily mean you are ready to take the state licensing exam.
Some students understand insurance concepts quickly, while others benefit from additional study and practice. Even after satisfying the course-hour requirement, you should continue preparing until you are comfortable applying the material and consistently performing well on exam-style practice questions.
Course completion satisfies the pre-licensing education requirement. State exam readiness depends on how well you understand and can apply what you have learned.
Choosing a Florida Online Insurance Pre-Licensing Course
Florida-approved online pre-licensing courses must satisfy the state’s education requirements, but course design, exam preparation, practice questions, progress tracking, and student support can vary between providers.
When comparing online courses, consider whether the program provides:
- Clear instruction covering the required material
- Exam-style practice questions
- Practice exams that measure progress
- Feedback that identifies weaker subject areas
- Clear tracking of course requirements
- Guidance throughout the licensing process
National Online Insurance School offers Florida-approved online 2-14 Life, 2-40 Health, and 2-15 Life & Health pre-licensing courses with exam-level practice questions, Pass Report readiness insights, instructor support, and our Guarantee Pass program.
Frequently Asked Questions
Do you have to complete all of the hours in a Florida online insurance course?
No. Florida law requires at least 75% of the required course hours to be completed before a provider can grant completion credit. This means students may satisfy the course-hour requirement without completing 100% of the approved hours.
Does the Florida 2-15 course really take 60 hours?
The Florida 2-15 Life & Health pre-licensing course is a 60-hour approved course. However, Florida’s 75% requirement means a student may satisfy the minimum course-hour requirement after completing at least 45 hours.
Can you complete the Florida 2-15 course in less than 60 hours?
Yes. A student completing a self-paced online 2-15 course may satisfy Florida’s minimum course-hour requirement after completing at least 45 of the 60 approved hours.
How long does the Florida 2-40 online course take?
The Florida 2-40 Health pre-licensing course requires 40 hours of approved education. Florida’s 75% requirement establishes a minimum of 30 hours before completion credit can be granted.
How long does the Florida 2-14 online course take?
The Florida 2-14 Life pre-licensing course requires 30 hours of approved education. Florida’s 75% requirement establishes a minimum of 22.5 hours before completion credit can be granted.
Are Florida online insurance courses self-paced?
Yes. Self-paced online courses allow you to determine when you study and how you progress through the coursework. Florida’s minimum course-hour requirement still applies.
Can you complete a Florida online insurance course in one day?
No. Florida’s 75% minimum prevents the 2-14, 2-40, or 2-15 pre-licensing course from being completed for credit in a single day. The shortest of these minimums is 22.5 hours for the 2-14 Life course.
Next Steps
If you are preparing for a Florida Life, Health, or Life & Health insurance license, choose the online pre-licensing course that corresponds to the authority you want to obtain.
Our Florida insurance pre-licensing courses allow you to progress through the material at your own pace while meeting the state’s pre-licensing requirements and preparing for the licensing exam.
