How to get an insurance license in Florida: the official requirements
The 2-15 health & life or 2-20 general lines agent license, its lines of authority, pre-licensing education, the exam, the fingerprint or background check and how to apply, from the Florida Department of Financial Services.
To sell insurance in Florida, you get licensed by the Florida Department of Financial Services. This page covers two resident agent licenses: the 2-15 Health & Life (including Annuities & Variable Contracts) license and the 2-20 General Lines license. How to apply: Apply online, answering every question and paying the fees; your MyProfile account shows the status and the Department's messages. Pre-licensing education: 2-15: a 60-hour approved life and health course (including variable annuities) completed within four years before you apply. 2-20: a 200-hour approved property and casualty course within four years. Certain degrees, designations and experience can substitute. Licensing exam: The state examination, scheduled once the Department authorizes it in your MyProfile messages; you are not qualified for a license until it receives your passing result. Some degree, designation and transfer routes are exempt. Fingerprints and background check: Fingerprints, taken through the Department's vendor IdentoGO; results from other vendors or other states are not accepted.
Florida insurance producer license requirements
| Requirement | Florida |
|---|---|
| License you apply for | This page covers two resident agent licenses: the 2-15 Health & Life (including Annuities & Variable Contracts) license and the 2-20 General Lines license. |
| Lines of authority | 2-15: life insurance, annuities and variable contracts, and health insurance. 2-20: property, casualty, surety, marine, health and miscellaneous lines, used to insure cars, boats, homes, motorcycles and pets. |
| How to apply | Apply online, answering every question and paying the fees; your MyProfile account shows the status and the Department's messages. |
| Eligibility | At least 18, a Florida resident, a U.S. citizen or legal alien with work authorization, and not holding a resident license in another state. |
| Pre-licensing education | 2-15: a 60-hour approved life and health course (including variable annuities) completed within four years before you apply. 2-20: a 200-hour approved property and casualty course within four years. Certain degrees, designations and experience can substitute. |
| Licensing exam | The state examination, scheduled once the Department authorizes it in your MyProfile messages; you are not qualified for a license until it receives your passing result. Some degree, designation and transfer routes are exempt. |
| Fingerprints and background check | Fingerprints, taken through the Department's vendor IdentoGO; results from other vendors or other states are not accepted. |
| Insurer appointment | The license must be appointed by an insurer to be valid. |
| State fees | Not stated in the official source we read. Check with the Florida Department of Financial Services. |
| License term | The license stays in force while appointed; it expires if you are unappointed for 48 months. |
| Continuing education | 24 hours every two years, due by the end of your birth month. |
Where the official source we read does not state something, the table says so rather than guessing. Fees shown are the regulator's own. Fees charged by exam vendors, course providers, fingerprint vendors and application portals are not included.
How to get licensed in Florida
- Check that you meet the eligibility rules: at least 18, a Florida resident with work authorization, and no resident license in another state.
- Complete the prerequisite for your license: the approved pre-licensing course, or a qualifying degree, designation or experience.
- Apply online, answering every question and paying the fees (fingerprinting fees are paid to the vendor).
- Your pre-licensing provider sends proof of the course to the Bureau within 21 days; send any other proof by email.
- Get fingerprinted.
- When the Department authorizes your exam in your MyProfile messages, schedule and pass it.
- Once every step is complete, the Department emails your approval and you print the license from MyProfile.
Go further
Requirements state by state.
Open →CareerHow to become an insurance agentThe career path, nationally.
Open →PayInsurance agent salaryWhat agents earn.
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Open →InterviewInsurance agent interview questionsWhat hiring managers ask.
Open →IndustryCareers in the insurance industryRoles across the industry.
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Questions people ask
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How this page is built
Each fact on this page comes from the Florida Department of Financial Services (sources named below), read on the dates shown, with the exact wording we relied on kept on file. Requirements and fees change; the Florida Department of Financial Services's current instructions govern. We re-read each state's sources every six months (next review by May 7, 2027).
- Not legal advice.
- Licensing rules can change. Verify current requirements with the issuing agency.
- Fees shown are the regulator's own. Fees charged by exam vendors, course providers, fingerprint vendors and application portals are not included.
- This page covers the resident individual license. Nonresident, business entity, limited lines, adjuster and temporary licenses have their own rules.
- Florida Department of Financial Services, 2-15 Resident Health & Life (Including Annuities & Variable Contracts) Agent License checklist, official source, read Nov 6, 2026.
- Florida Department of Financial Services, 2-20 Resident General Lines License checklist, official source, read Nov 6, 2026.
- Florida Department of Financial Services, Fingerprinting Information, official source, read Nov 6, 2026.