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.<\/p>\n\n\n\n
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.<\/p>\n\n\n\n
For the complete licensing process, including application, fingerprinting, fees, and state procedures, review our Florida Insurance License Requirements<\/a> page.<\/p>\n\n\n\n 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.<\/p>\n\n\n\n The 2-15 license provides authority for products including:<\/p>\n\n\n\n Certain products may require additional training, registrations, 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 2-15 insurance license.<\/p>\n\n\n\n Unlike the Florida 2-14 Life Insurance License<\/a>, which provides Life authority, or the Florida 2-40 Health Insurance License<\/a>, which provides Health authority, the 2-15 provides authority across both lines.<\/p>\n\n\n\n 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.<\/p>\n\n\n\n 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.<\/p>\n\n\n\n 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.<\/p>\n\n\n\n A Florida-approved 2-15 pre-licensing course covers Life, Health, annuity, and Florida-specific insurance concepts required for the license.<\/p>\n\n\n\n Topics include:<\/p>\n\n\n\n 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.<\/p>\n\n\n\n The Florida 2-15 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.<\/p>\n\n\n\n The Florida Agent’s Health & Life, including Annuities & Variable Contracts, exam includes 150 scored questions and 15 unscored pretest questions, for 165 questions total. Candidates have 2 hours 45 minutes to complete the exam, and a score of 70% is required to pass. The current examination fee is $44 per attempt.<\/p>\n\n\n\n Pretest questions are mixed throughout the exam and are not identified as unscored questions.<\/p>\n\n\n\n Florida candidates may schedule and take the 2-15 examination before completing the 60-hour pre-licensing course. The course must still be completed before submitting the license application under the standard education path.<\/p>\n\n\n\n For planning purposes, allow about 2 to 4 weeks to complete the 60-hour course and prepare for the Florida 2-15 exam when studying consistently. Actual preparation time varies based on prior insurance knowledge, available study time, and practice exam performance.<\/p>\n\n\n\n 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.<\/p>\n\n\n\n Applicants using the standard qualification path must satisfy the applicable Florida licensing requirements, including:<\/p>\n\n\n\n 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.<\/p>\n\n\n\n For detailed application, fingerprinting, fees, and licensing instructions, use the Florida License Requirements button at the top of this guide.<\/p>\n\n\n\n The difference between Florida’s three primary Life and Health license classes is the authority each provides:<\/p>\n\n\n\n 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.<\/p>\n\n\n\n Florida requires approved pre-licensing education for applicants qualifying through the standard education path, but course design and exam preparation can differ by provider.<\/p>\n\n\n\n Look for Florida-specific instruction, exam-style practice questions, timed practice exams, and feedback that helps identify areas requiring additional review.<\/p>\n\n\n\n National Online Insurance School’s Florida 2-15 course satisfies the required 60 hours while providing exam preparation within the same enrollment.<\/p>\n\n\n\n Florida’s standard education path requires a 60-hour approved Life and Health pre-licensing course.<\/p>\n\n\n\n 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.<\/p>\n\n\n\n The 2-15 provides Life and Health authority, including annuities and variable contracts. It covers both Life and Health insurance markets under one Florida license class. Selling variable annuities and other variable contracts also requires the appropriate securities registration.<\/p>\n\n\n\n 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.<\/p>\n\n\n\n The 2-15 provides both Life and Health authority. The 2-40 is the resident Health license and does not provide Life authority.<\/p>\n\n\n\n Yes. The Florida 2-15 license requires an active appointment to be valid for transacting insurance. If the license remains unappointed for 48 months, it will expire.<\/p>\n\n\n\n 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.<\/p>\n\n\n\nWhat Is the Florida 2-15 Life & Health Insurance License?<\/h2>\n\n\n\n
Florida 2-15 Pre-Licensing Education Requirements<\/h2>\n\n\n\n
What the Florida 2-15 Pre-Licensing Course Covers<\/h2>\n\n\n\n
Florida 2-15 Insurance Exam<\/h2>\n\n\n\n
How Long Should You Prepare for the Florida 2-15 Exam?<\/h2>\n\n\n\n
Florida 2-15 Licensing Requirements<\/h2>\n\n\n\n
Florida 2-15 vs. 2-14 and 2-40<\/h2>\n\n\n\n
Choosing a Florida 2-15 Pre-Licensing Course<\/h2>\n\n\n\n
Frequently Asked Questions<\/h2>\n\n\n\n
How many pre-licensing hours are required for a Florida 2-15 license?<\/h3>\n\n\n\n
Do you have to complete the 60-hour course before taking the Florida 2-15 exam?<\/h3>\n\n\n\n
What can you sell with a Florida 2-15 license?<\/h3>\n\n\n\n
What is the difference between the Florida 2-15 and 2-14 licenses?<\/h3>\n\n\n\n
What is the difference between the Florida 2-15 and 2-40 licenses?<\/h3>\n\n\n\n
Does a Florida 2-15 license require an appointment?<\/h3>\n\n\n\n
Next Steps<\/h2>\n\n\n\n