Florida License Requirements
Florida Insurance License Requirements (2026)
Everything you need to know to get and keep your Florida insurance license — hours, exam, fingerprinting, renewal, and state-specific rules.
Florida Insurance License Requirements at a Glance
Key facts for getting and maintaining your Florida insurance license.
| Minimum Age | 18 years old |
| Residency Requirement | Must be a resident of Florida |
| Prelicensing Hours (Life) | 30 hours |
| Prelicensing Hours (Health) | 40 hours |
| Prelicensing Hours (Life & Health Combined) | 60 hours |
| Exam Provider | Pearson VUE |
| Exam Fee | $42 |
| Passing Score | 70% |
| Application Fee | $50 |
| Background Check Cost | $50 |
| Fingerprinting Required | Yes |
| CE Hours Required | 24 hours every 2 years |
| Ethics CE Hours | 4 hours |
| Renewal Deadline | Florida licenses expire on the licensee's birthday every 2 years |
| License Duration | 2 years |
| Special Training Required | Yes (see below) |
| Total Cost Estimate | $350-500 estimated total cost |
| Total Licensing Time | 2-4 weeks |
How to Get Your Florida Insurance License
Follow these five steps to go from zero to licensed in Florida.
Complete Prelicensing Education
Florida requires you to complete 60 hours of state-approved prelicensing education before sitting for the exam. JustInsurance's online courses let you study at your own pace on any device. You'll receive an official certificate of completion once you finish.
Browse Florida Prelicensing Courses →Schedule and Pass the State Exam
The Florida insurance licensing exam is administered by Pearson VUE. The exam fee is $42, and you'll need a passing score of 70%. Schedule your exam online after completing your prelicensing education.
Schedule Your Exam with Pearson VUE →Complete Fingerprinting
Fingerprinting required through IdentoGO (Code: DFS-1-FL921060Z)
Apply for Your License
Submit your application through the National Insurance Producer Registry (NIPR) The application fee is $50. Processing typically takes Few days.
Apply for Your Florida License →Get Appointed and Start Selling
Once your Florida insurance license is issued, you must be appointed by an insurance carrier before you can sell their products. Each carrier you work with will submit an appointment request to the Florida Department of Financial Services. Appointments are typically processed within a few business days, and there is no additional exam required. Your sponsoring agency or carrier will guide you through this process.
Florida Fingerprinting Requirements
Fingerprinting required through IdentoGO (Code: DFS-1-FL921060Z)
Name Match Requirement
Your name on the exam registration, course enrollment, and license application must match your government-issued ID exactly. Any discrepancies — including middle names, suffixes, or maiden names — can cause delays in your license application.
Special Training Requirements for Florida
Florida requires additional training for agents selling certain specialty products. These are separate from standard prelicensing hours.
Long-Term Care (LTC) Training
8-hour initial LTC training required before selling long-term care products, plus 4-hour renewal training every 2 years
National Flood Insurance Program (NFIP) Training
3-hour National Flood Insurance Program training required for Property & Casualty agents
Annuity Training
4-hour annuity suitability training required before selling annuity products
Florida CE Renewal Requirements
To keep your Florida insurance license active, you must complete continuing education every 2 years. Here are the details:
24 hours
Total CE Hours
4 hours
Ethics Hours Required
2 years
Renewal Period
Florida licenses expire on the licensee's birthday every 2 years
Renewal Deadline
$39
CE Package Price
FLDFS
Regulatory Body
Florida Insurance Licensing Laws & Regulations
Legal citations and statutory references governing insurance licensing in Florida.
Insurance Code
Florida Statutes, Title XXXVII – Insurance (Chapters 624–651)View Statute
Prelicensing Education
Fla. Stat. § 626.7851 (Life); Fla. Stat. § 626.8311 (Health/General Lines)
Examination Requirements
Fla. Stat. 626.221(1)
Age Requirements
Fla. Stat. § 626.731(1)
Background Check
Fla. Stat. Sec. 626.171(4); Sec. 626.201(3)
Fingerprinting
Fla. Stat. § 626.171(4) & § 626.202
License Application
Fla. Stat. § 626.171(1)
CE Requirements
Fla. Stat. 626.2815
CE Ethics
F.S. §626.2815(3)
Administrative Code
Chapter 69O - OIR - Insurance RegulationView Statute
Provider Regulation
Florida Administrative Code Chapter 69B-228
Florida Insurance License Requirements — FAQs
How long does it take to get a Florida insurance license?
Most candidates complete the Florida insurance licensing process in 2-4 weeks. This includes completing prelicensing education, passing the state exam, fingerprinting (if required), and waiting for license approval after submitting your application.
What happens if my name doesn't match my ID in Florida?
Your name on the exam registration, course enrollment, and license application must match your government-issued ID exactly. Any discrepancies — including middle names, suffixes, or maiden names — can cause delays in your license application.
Where do I get fingerprinted in Florida?
Fingerprinting required through IdentoGO (Code: DFS-1-FL921060Z)
Can I transfer my insurance license from another state to Florida?
Reciprocal licensing is available for producers licensed in good standing in their home state. Fingerprinting is required. Licenses lapse if unappointed for 48 consecutive months.
How much does a Florida insurance license cost?
The total cost to get your Florida insurance license typically falls in the $350-500 estimated total cost range. This includes: prelicensing course fees, the exam fee ($42), the state application fee ($50), and the background check cost ($50). Individual costs vary based on the line of authority you choose.
What are the Florida CE requirements?
Florida requires licensed insurance agents to complete 24 hours of continuing education every 2 years, including 4 hours of ethics training. Your renewal deadline is Florida licenses expire on the licensee's birthday every 2 years. JustInsurance offers state-approved CE packages starting at $39.
What is the Florida 2-15 insurance license?
The Florida 2-15 Life, Health & Annuity license is Florida's primary combined license for agents selling life insurance, annuity products, and health insurance. The '2-15' designation refers to the specific chapter and section of Florida Statutes that governs this license. It is one of Florida's most sought-after licenses because it allows agents to sell a broad range of products. Florida also requires specific additional training for LTC products (8 hours initial), annuities (4 hours), and NFIP flood coverage (3 hours) beyond the core prelicensing requirement.
What are the prelicensing hour requirements in Florida?
Florida requires 30 hours for Life, 40 hours for Health, and 60 hours for a combined Life & Health license. Courses are available fully online through JustInsurance.
Ready to Get Your Florida Insurance License?
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