Florida is one of the best states for a career in health and life insurance — a massive retiree population, high health insurance enrollment, and a growing economy create strong demand for licensed agents. Here's exactly how to get licensed in 2026.
Florida Insurance License Types
Florida offers several insurance license types. Most health and life insurance agents pursue one of these:
- 2-14 Life (Including Annuities & Variable Contracts) — Life insurance and annuities only
- 2-15 Health & Life (Including Annuities & Variable Contracts) — The most common license for health/life agents. Covers health insurance, life insurance, and annuities. Most comprehensive for a general insurance career.
- 2-40 Health Only — Health insurance only. Less common but sufficient for pure health insurance sales.
- 2-20 Property & Casualty — Auto, home, business insurance (separate path)
For health insurance sales in Florida, you want the 2-15 license. It covers everything you need for ACA, Medicare, life, and annuity products.
Step 1: Complete a State-Approved Pre-Licensing Course
Florida requires completion of a state-approved pre-licensing education course before you can take the licensing exam. For the 2-15 Health & Life license, you must complete 40 hours of approved pre-licensing education.
You can complete this online, in-person, or in a hybrid format. Major Florida-approved pre-licensing providers include:
- ExamFX — Popular online platform with good practice exams
- Kaplan Financial Education — Comprehensive study materials
- WebCE — Affordable online courses
- Insurance schools in major Florida cities (Miami, Tampa, Orlando, Jacksonville)
Pre-licensing course cost: $80 – $150 depending on provider and format.
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Learn About Agent Opportunities →Step 2: Pass the Florida Insurance Licensing Exam
After completing your pre-licensing course, you register for the state exam through Pearson VUE (Florida's testing vendor). You can take the exam in person at a testing center or via remote proctoring at home.
Key exam details for the 2-15 license:
- Number of questions: 165 (plus 15 pretest questions that don't count)
- Passing score: 70%
- Time limit: 2.5 hours
- Exam fee: $54
- Testing locations: Available throughout Florida (Tampa, Miami, Orlando, Jacksonville, and many more)
What's on the Florida 2-15 Exam?
| Topic | Approx. % of Exam |
|---|---|
| Health Insurance Basics | ~30% |
| Life Insurance Basics | ~25% |
| Florida Insurance Regulations | ~20% |
| Annuities | ~15% |
| Federal Tax Considerations | ~10% |
Step 3: Apply for Your Florida Insurance License
After passing your exam, apply for your license through MyProfile at the Florida Department of Financial Services (DFS) website. You'll need:
- Exam pass confirmation from Pearson VUE
- Social Security Number
- Personal information and address history
- License application fee: $55 for a 2-year license
- Background check consent
Florida DFS typically processes applications within 5–10 business days. You'll receive your license by email.
Step 4: Get Appointed by Insurance Carriers
Having a license allows you to sell insurance, but you also need to be appointed by each carrier you want to represent. Appointments are processed by carriers when you start working with them — they pay the appointment fee ($40–$80 per carrier per year).
If you're joining an insurance agency or FMO (Field Marketing Organization), they typically handle appointments for you as part of the onboarding process.
How Long Does It Take to Get a Florida Insurance License?
| Step | Typical Timeline |
|---|---|
| Complete pre-licensing course (40 hrs) | 1 – 2 weeks |
| Schedule and take exam | 3 – 7 days after course completion |
| DFS application review | 5 – 10 business days |
| Total typical timeline | 2 – 4 weeks |
Tips to Pass the Florida Insurance Exam the First Time
- Take practice exams — Most pre-licensing providers include practice tests. Aim for consistent 80%+ scores before scheduling your real exam
- Focus on Florida-specific regulations — Many exam questions test state-specific rules, not just general insurance concepts
- Understand concepts, not just memorize — The exam tests understanding and application, not just definitions
- Don't rush — You have 2.5 hours for 165 questions. Most students finish in 90 minutes. Review your answers.
- Study annuity rules carefully — Florida has specific suitability and disclosure requirements for annuities that appear frequently on the exam
Continuing Education Requirements
Florida insurance licenses expire every 2 years. To renew, you must complete:
- 24 hours of continuing education (CE) every 2 years for the 2-15 license
- At least 5 hours must be in ethics
- AML (Anti-Money Laundering) training required for life/annuity agents (one-time)
- Flood insurance training if you sell flood policies
CE courses are available online for $60–$120 for the full 24-hour requirement.