NATIONAL INSURANCE GUIDE

Florida Insurance Producer License

Florida Insurance Producer License: Complete 2026 Guide

Getting a Florida insurance producer license (also called insurance agent license) is regulated by the Florida Office of Insurance Regulation (OIR) under the Department of Financial Services (DFS). Florida requires licensing for 2-15 Life & Health, 2-20 Property & Casualty, 2-40 Health, and other lines. High demand due to hurricanes/floods. Apply via MyProfile portal. No federal license—state-only.

Florida License Requirements (2026)

Eligibility: Age 18+, Florida resident, clean record, pass fingerprints (Idemia/IdentoGO).
Pre-Licensing Education:
- 2-15 Life & Health (incl. Annuities): 60 hours.
- 2-14 Life: 40 hours.
- 2-40 Health: 40 hours.
- 2-20 P&C: 200 hours (or designation waiver).
- Approved: WebCE, Kaplan (online OK, 70% final exam).
State Exam: Pearson VUE. $44 fee. 2–2.75 hrs, 70% pass (100–165 questions).
Fingerprints: Required ($49.50 + tax via Idemia). FBI/FDLE background check.
Application: MyProfile portal (myfloridacfo.com). $50–72 fee per line. Processing: 7–30 days.
New Agents: 3 carrier appointments required before selling (law continues 2026).
Renewal: Perpetual licenses (no expiration), but 20–24 CE hours due birth month every 2 years (4 Law/Ethics), $50 fee.

Florida License Types & Hours

Type	Pre-Lic Hours	Exam Fee	Notes
2-15 Life & Health + Annuities	60	$44	Most popular
2-14 Life	40	$44	Term/Whole Life
2-40 Health	40	$44	Disability/Medical
2-20 Property & Casualty	200	$44	Home/Auto/Flood
20-44 Personal Lines	60	$44	Simplified P&C

Waivers: CPCU/CLU designations reduce hours.

Fees Breakdown (Florida 2026)

Item	Cost	Provider
Pre-Lic Course	$100–250	WebCE/Kaplan
Exam	$44	Pearson VUE
Fingerprints	$49.50 + tax	Idemia
Application	$50–72/line	MyProfile
CE Compliance	$50 (inactive status)	DFS
Total Initial (2-15)	~$250

Reciprocity & Non-Resident

Full reciprocity: Florida licenses transfer to 48 states via NIPR. Non-residents: Provide resident license # or SSN/FEIN. $50 fee. Florida participates in Producer Licensing Compact.

Top 3 Florida Pre-Lic Providers

WebCE: Florida-approved, mobile-friendly. 800-659-5690 | webce.com
Kaplan: Exam simulators, bundles. 800-KAPLAN-8 | kaplanfinancial.com
Florida Insurance License: State-specific courses. 888-568-5553 | floridainsurancelicense.com

OIR Official: myfloridacfo.com/division/agents | 850-413-3081 | License Lookup.

Frequently Asked Questions (15)

How many pre-licensing hours for 2-15 in Florida? 60 hours (Life & Health + Annuities).
What’s the Florida OIR/DFS website/contact? myfloridacfo.com | 850-413-3081.
Who administers Florida insurance exams? Pearson VUE (pearsonvue.com/fl). Schedule: 888-274-2020.
Florida application fee? Fingerprint cost? $50–72 app + $49.50 fingerprints.
Does Florida require high school diploma? No, but recommended for complex lines.
Florida exam pass rate/provider? 70% pass, Pearson VUE ($44, 100–165 q).
Fingerprinting process in Florida? Idemia Live Scan only ($49.50). No other vendors.
Florida CE hours for compliance? 24 hours/2 years (4 Law/Ethics) <6 yrs; 20 hrs >6 yrs (birth month due).
Reciprocity from other states to Florida? Full via NIPR (48 states). Provide resident #/SSN.
Can felons get Florida license? Case-by-case; must pass background check. Violent crimes reviewed.
Exam locations in Florida? 50+ Pearson VUE centers (Miami, Orlando, Tampa, Jacksonville).
How long for Florida license approval? 7–30 days post-exam/fingerprints/app.
Florida-specific license types? 2-15 (Life/Health), 2-20 (P&C), 20-44 (Personal Lines).
Non-resident licensing for Florida? $50 fee + resident license proof via MyProfile.
Top 3 pre-lic providers for Florida? WebCE, Kaplan, Florida Insurance License (OIR-approved).