NATIONAL INSURANCE GUIDE

Florida Insurance Producer License

Florida Insurance Producer License

Florida Insurance Producer License: Complete 2026 Guide

Obtaining a Florida insurance producer license (also called an insurance agent license) is regulated by the Florida Department of Financial Services (DFS). The Office of Insurance Regulation (OIR) oversees insurers, while DFS handles agent licensing, examinations, and continuing education. There is no federal insurance producer license—licensing is handled entirely at the state level.

Florida offers several resident producer licenses. The most common are the 2-15 (Life, Health & Variable Annuities), 2-20 (General Lines / Property & Casualty), 2-14 (Life), 2-40 (Health), and 20-44 (Personal Lines).

Step-by-Step Licensing Requirements

  1. Eligibility
    Applicants must be at least 18 years old, of good moral character, and (for a resident license) a Florida resident. A criminal background check is required.
  2. Complete Pre-Licensing Education
    Florida requires state-approved pre-licensing education before the exam. Required hours vary by license type:License TypePre-Licensing HoursTypical Use2-15 Life, Health & Variable Annuities60 hoursMost popular combined life/health license2-14 Life40 hoursLife insurance only2-40 Health40 hoursHealth and disability2-20 General Lines (Property & Casualty)200 hoursHome, auto, commercial, flood, etc.20-44 Personal Lines60 hoursSimplified personal property & casualtyCourses must be taken through a DFS-approved provider. Online and classroom options are available. A final course exam (usually 70% passing score) is required. Completion certificates are typically valid for four years. Certain professional designations (such as CLU, ChFC, or CPCU) or qualifying college coursework may provide exemptions—verify current rules with DFS.
  3. Pass the State Licensing Exam
    Exams are administered by Pearson VUE. The exam fee is generally $44. Most exams contain 100–165 questions and require a 70% passing score. Time limits range from approximately 2 to 2.75 hours depending on the license. Candidates are limited in the number of attempts within a 12-month period.
  4. Submit Fingerprints
    Electronic fingerprints are required for a background check through the Florida Department of Law Enforcement (FDLE) and FBI. Fingerprinting is handled through IdentoGO (Idemia). The cost is typically around $49.50 plus applicable tax.
  5. Apply for the License
    Submit the application electronically through the DFS MyProfile portal (myfloridacfo.com). Application fees generally range from $50 to $72 per license line. Processing times usually range from 7 to 30 days after all requirements (education, exam, fingerprints, and application) are complete.
  6. Obtain Company Appointments
    A license alone does not authorize selling. New agents must secure appointments with insurance carriers before transacting business. Florida historically required multiple appointments for certain licenses; confirm current appointment rules with DFS.

License Maintenance and Continuing Education

Florida insurance producer licenses are perpetual (they do not expire on a fixed date). However, agents must complete continuing education (CE) on a biennial cycle, typically due by the end of their birth month every two years. Most agents need 20–24 hours of CE, including a required ethics/law component. Failure to complete CE can result in inactive status.

Reciprocity and Non-Resident Licensing

Florida participates in reciprocal licensing arrangements. Residents of other states may apply for a Florida non-resident license by providing proof of their home-state license and meeting Florida’s application and fingerprint requirements. Florida licensees can often obtain non-resident licenses in other states through the National Insurance Producer Registry (NIPR).

Frequently Asked Questions

How many pre-licensing hours are required for the 2-15 license?
60 hours for the combined Life, Health & Variable Annuities license.

What is the official DFS licensing website?
myfloridacfo.com (Division of Insurance Agent and Agency Services).

Who administers the Florida insurance exams?
Pearson VUE. Scheduling is available at pearsonvue.com or by phone.

What is the exam fee and passing score?
Approximately $44 per exam; 70% is required to pass.

Are fingerprints required?
Yes. Electronic fingerprints must be submitted through IdentoGO for the background check.

Does Florida require a high school diploma?
No formal high school diploma requirement is stated for most producer licenses, though education and background standards still apply.

How many CE hours are required?
Typically 20–24 hours every two years, including ethics/law hours. Exact requirements depend on the license and years of experience.

Can someone with a criminal record obtain a Florida license?
Background checks are required. Certain convictions may result in denial; DFS reviews applications on a case-by-case basis.

How long does the licensing process usually take?
Many candidates complete the process in several weeks to a couple of months, depending on course pace, exam scheduling, fingerprint processing, and application review.

What are the main license types?
2-15 (Life/Health/Annuities), 2-20 (General Lines P&C), 2-14 (Life), 2-40 (Health), and 20-44 (Personal Lines) are among the most common.

Official Resources

  • Florida Department of Financial Services – Agent Licensing: myfloridacfo.com
  • Pearson VUE Florida Insurance Exams: pearsonvue.com
  • IdentoGO fingerprinting registration for Florida DFS

Always verify the most current requirements, fees, and approved course providers directly with the Florida Department of Financial Services before beginning the licensing process, as rules and fees can be updated.

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