Florida License Requirements

How to get a Florida insurance license

As a state-certified life and health insurance education provider, our goal is to guide you through the pre-licensing process. In addition to completing your pre-licensing training, we have simplified the steps to attaining your Florida insurance license.
Our Florida Pre-Licensing Education Provider ID: 366943

Step 1: Complete a Florida Pre-Licensing Insurance Course

To qualify for the Florida insurance license exam, you must complete a pre-licensing insurance course that is certified by the Florida Department of Financial Services. Upon passing the pre-licensing course final exam, you will be awarded a Certificate of Course Completion.

Our Florida pre-licensing insurance courses cover the various insurance concepts, definitions, insurance laws and agent regulations listed on the Florida Examination Content Outline. Courses are presented in a clear and concise format and include instructional videos, interactive illustrations, practice exams, and student support.

National Online Insurance School is certified by the Florida Department of Financial Services to offer the following courses:

Pre-Licensing Course Course Credit Hours
2-15 Life, Health & Variable Annuity 60
2-14 Life & Variable Annuity 40
2-40 Health 40

Your Certificate of Course Completion is valid for 4 years from the date you pass your pre-licensing course final exam.

Step 2: Pass the Florida Insurance License Exam

Upon successfully completing your pre-licensing insurance course, you must register with Pearson Vue to take your state insurance exam. Exam reservations can be made online at the Pearson Vue website or over the phone at (888) 274-2020.

Expected cost

Insurance Exam Fee: $44.00

About the state exam

  • You are required to provide a current form of identification with a photo (driver license, passport, etc.) that exactly matches the name on the exam registration at the testing center. You are not required to present your Certificate of Course Completion.
  • Exam times are typically available in the morning, afternoon, and early evening on weekdays at various locations throughout the state
  • You should arrive 30 minutes before your scheduled appointment to allow time for check-in procedures. If you arrive late you will not be allowed to take your exam and will forfeit your exam fee.
  • Applicants with disabilities should make special arrangements prior to registering for the state exam by contacting the testing administrator at (888) 274-2020
  • Passing score is 70%
License Exam Exam Time Scored Questions Pre-Test Questions Total Questions
2-15 Life, Health & Variable Annuity 2 hrs 45 mins 150 15 165
2-14 Life & Variable Annuity 2 hrs 85 15 100
2-40 Health 2 hrs 85 15 100

Review our Insurance License Exam Tips to learn more about the state exam format and the types of questions asked on the exam, as well as additional test-taking tips to help you prepare for your exam day.

The Florida Department of Financial Services limits individuals to 5 exam attempts for the same exam type during a 12 month period. Individuals who have reached the 5 exam limit are not permitted to sit for their next exam attempt until the 12 month time window only contains 4 exams. The certificate that you will receive from the testing administrator upon passing the state exam is valid for 12 months.

Step 3: Submit Electronic Fingerprints

You must schedule an appointment to submit electronic fingerprints to complete a background check. Fingerprints are required by the Florida Department of Financial Services to ensure that applicants do not have a disqualifying criminal or social services background that would prevent them from being a licensed insurance agent.

Resident candidates taking an insurance exam for the first time must be fingerprinted; however, if you have already submitted electronic fingerprints within the past 12 months for a previous insurance exam, you may not be required to submit a new set of fingerprints. You can contact the Florida Department of Financial Services to determine if a new set of fingerprints is required.

Expected cost

Electronic Fingerprints Fee: $50.75 plus local Florida county sales tax

If you have any background issues regarding law enforcement records that may prevent you from obtaining your insurance license, visit the Florida Department of Financial Services for more information.

Step 4: Complete an Insurance License Application

Once you have passed your state insurance exam you can apply for your insurance license through the Florida Department of Financial Services website. Click the button below and follow the steps to complete your application:

  1. If you do not already have an account, click 'Create Account' from the menu on the right
  2. Choose 'Individual' from the drop down and complete the required information on the following pages
  3. Complete your application by submitting a payment using your credit card

For assistance in creating your account at the Department's website, or retrieving your username or password to sign in to your account, this page provides a link to an interactive tutorial within the 'Need Assistance?' section.

License qualifications

  • Must be at least 18 years of age
  • A resident of the state of Florida
  • A United States citizen or legal alien who possesses a work authorization from the United States Immigration and Naturalization Services
  • Pass the state insurance exam for the lines of authority for which you are applying
  • Must not have committed any act that is a ground for denial, suspension, or revocation of license. Click here for more details

Expected cost

Application Fee: $50.00

Members of the US Armed Forces, their spouses, and veterans who have retired within 24 months are exempted from the application filing fee for licenses. Those who meet these criteria will need to send a copy of the DD Form 214 to AgentLicensing@MyFloridaCFO.com and request a refund of the application filing fee.

Print your insurance license

Once your application has been approved you will receive an email from the Florida Department of Financial Services. You will be able to view and print your Florida insurance license from your MyProfile account.

Additional Resources

Review the Pearson Vue Candidate Handbook for additional details regarding the pre-licensing process.

Florida Department of Financial Services

  • 200 East Gaines St.
    Tallahassee, FL 32399-0319
  • (850) 413-3137
  • Website

Exam Administrator

  • Pearson Vue
  • (888) 274-2020
  • Website

Electronic Fingerprints

  • MorphoTrust USA
  • (800) 528-1358
  • Website

Insurance Application

  • Florida Department of Financial Services
  • (850) 413-3137
  • Website

Exam ready in 1 to 2 weeks

However, we provide a 3-month enrollment period so that you can study at your own pace and at a time convenient to you.

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