Florida insurancelicense requirements
Florida insurance license at a glance
- Prelicensing course
- 30 to 200 hours by line
- Exam provider
- Pearson VUE
- Passing score
- 70%
- Exam fee
- $44 per exam
- License fee
- $50 + $5 per line of authority
- Fingerprints
- Required, through IdentoGO
- Continuing education
- 24 hours every 2 years
How to become an insurance agent in Florida
Below, you'll find the steps to a Florida insurance license, the exams for each line, and what it takes to keep your license active.
Studying for a Florida license? Florida 2-20 License Course and Florida 2-15 License Course cover the Florida exam, education rules and licensing steps.
Requirements for Florida insurance producers
Contact the Florida insurance department
How much do insurance agents make in Florida?
Florida average insurance agent salary (all lines): $73,370
That is the mean annual wage for insurance sales agents in Florida in the Bureau of Labor Statistics' May 2025 survey.
Estimates by line, from Achievable's May 2026 salary research (not BLS figures):
- Life insurance agent: $66,485
- Health insurance agent: $41,213
- Property and casualty insurance agent: $35,697
Please note that salaries will vary based on experience level and local demand.
Does Florida require prelicensing education?
Florida requires producer licensing candidates to take and complete a state-approved prelicensing course. The hours depend on the license: Life 30, Health 40, Life and Health 60, Personal Lines 60, and General Lines (property and casualty) 200. You will also need to apply for your license with the state insurance department and register for the state licensing exam. Make sure to register for all 3 (prelicensing course, license application, state exam) using the personally identifiable information exactly as it appears on your government-issued ID. Discrepancies will delay the licensing process.
How do I get my insurance license in Florida?
Becoming an insurance producer in Florida requires passing a state-mandated insurance exam in the specific line or lines you wish to specialize in, as well as completing the following steps:
- Step 1: Complete a prelicensing course approved by the Department of Insurance. After finishing the course, download and print your certificate of completion from Achievable’s online portal. This certificate is valid for four years.
- Step 2: Apply for your license online through MyProfile at https://dice.fldfs.com/public/pb_index.aspx or through NIPR at https://nipr.com/, and pay the fees. You’ll receive updates about your license status via email and through your MyProfile account.
- Step 3: Complete fingerprinting. Register and pay for fingerprinting with IdentoGO at https://fl.state.identogo.com/?RESTART&DFSORI=DFS-1-FL921060Z or by calling 800-528-1358. For additional guidance, visit https://www.myfloridacfo.com/division/agents/licensing/agents-and-adjusters.
- Step 4: Schedule your exam with Pearson VUE at https://www.pearsonvue.com/us/en/fl/insurance.html or call 888-274-2020. Your exam authorization arrives in MyProfile after the Department approves your application (if you passed the exam within the year before you applied, this step is already done). Exams are held at Pearson VUE centers, and fees must be paid when booking. To avoid losing your fee, reschedule at least 48 hours in advance. Important: Ensure the name used for course registration, exam scheduling, and license application matches your ID.
- Step 5: On exam day, bring one valid government-issued ID with your name and photo. If your ID is not clearly readable or has a microchip, bring an additional ID with a visible signature. You will not be allowed to take the exam if these ID requirements are not met. You will receive a score report indicating “pass” or “fail” and, if necessary, instructions for reexamination.
If you need assistance with any of these steps or have questions about specific requirements, contact the Florida insurance department for the most current information.
Florida insurance exam information
Florida Agent’s Life (including Annuities & Variable Contracts) Insurance Examination
| Detail | Value |
|---|---|
| Questions | 95 Total Questions (85 scored, 10 pretest) |
| Time limit | 2 Hours |
| Passing score | 70% |
| Pass rate | 53.1% (6,535 of 12,307 first-time test takers, 2025) |
Florida Agent's Health Insurance Examination
| Detail | Value |
|---|---|
| Questions | 95 Total Questions (85 scored, 10 pretest) |
| Time limit | 2 Hours |
| Passing score | 70% |
| Pass rate | 50.5% (2,653 of 5,249 first-time test takers, 2025) |
Florida Agent’s Health & Life (including Annuities & Variable Contracts) Insurance Examination
| Detail | Value |
|---|---|
| Questions | 165 Total Questions (150 scored, 15 pretest) |
| Time limit | 2 Hours and 45 Minutes |
| Passing score | 70% |
| Pass rate | 53.0% (10,807 of 20,390 first-time test takers, 2025) |
Florida Agent's Personal Lines Examination
| Detail | Value |
|---|---|
| Questions | 108 Total Questions (100 scored; 8 pretest) |
| Time limit | 2 Hours |
| Passing score | 70% |
| Pass rate | 62.8% (2,219 of 3,534 first-time test takers, 2025) |
Florida Agent's General Lines Property and Casualty Insurance Examination
| Detail | Value |
|---|---|
| Questions | 175 Total Questions (160 scored, 15 pretest) |
| Time limit | 3 Hours |
| Passing score | 70% |
| Pass rate | 62.5% (1,632 of 2,613 first-time test takers, 2020) |
Pass rates are for first-time test takers, from the NAIC's state exam reports. Each rate shows its year, and it is the most recent NAIC figure we have for that exam.
Additional requirements
Florida insurance licensing fees
- Initial individual fees: Resident $50 plus $5 per line of authority (all lines except Title), Nonresident $50 plus $5 per line of authority (all lines except Title)
- Resident licenses: Perpetual
- Nonresident licenses: Perpetual
- Late renewal/reinstatement: N/A
- Pre-licensing courses: Yes, classroom/monitored self-study
- Pre-licensing certificate valid: 4 years
- Fingerprints required: Yes, via IdentoGO by Idemia (formerly MorphoTrust USA)
- Exam: Yes, Pearson VUE, valid 1 year
- P.O. Box allowed: No
- County required in address: Yes
- Required addresses: Residence, Business, Mailing
- Personal Lines LOA: Yes
- Broker license: Included in producer class; unaffiliated “self-appointed” status allowed
- DRLP: Exactly 1, must hold active state license and appointment for at least one major LOA
- Agency license: Yes, perpetual if agent-in-charge licensed
- Adjuster licenses: Independent (All-Lines), Apprentice (Public Adjuster), Staff; emergency licenses 180 days; DHS exam required for some
Florida insurance license citizenship requirements
Non-citizens must submit work authorization documentation to agentlicensing@myfloridacfo.com
Where can I apply for a resident insurance license in Florida?
Apply through MyProfile or NIPR
How can I apply for a non-resident insurance license in Florida?
- 1. Must be at least 18 years old.
- 2. Non-citizens must submit a copy of work authorization to agentlicensing@myfloridacfo.com.
- 3. Must have an active, same license in your home state.
- 4. Fingerprints commonly required. Must answer background questions. No disqualifying felonies or pending misdemeanor crimes
- 5. Apply via NIPR and pay $50 plus NIPR processing fees. Reciprocity generally applies.
Florida carrier appointments and insurance license terminations
- Required to report appointments: Yes
- Permits Just-in-time appointments: Yes
- Initial appointment deadline: Within 45 days of appointment effective date
- Can be processed via NIPR: Yes
- Fees for appointing: Resident $60, Nonresident $60 + $6 per county
- Appoint agencies: No
- Adjuster appointments via NIPR: No
- Appointment effective date can be specified: Yes
- State requires appointment renewal: Yes, via Florida portal, every 24 months during appointee’s birth month, $60 per appointment
Florida insurance license termination details
- Termination reasons: Voluntary, death, request regulatory review
- Termination date can be specified: Yes, must be ≤33 days old and precede appointment effective date
- Termination fee: None
- Allows carriers to terminate if license expired: No
- Notices can be emailed: Yes, within body text
Florida insurance license renewals
Resident license renewal: Perpetual; CE deadline last day of birth month every 2 years ; Nonresident: Perpetual ; Agency renewal: Perpetual if agent-in-charge licensed
Florida insurance license continuing education (CE) requirements
- Total CE hours: 24
- Law and ethics update: 4 hours (plus 20 elective hours)
- Flood: 3 hours
- LTC: 8-hour initial, 4-hour each renewal cycle
- Annuity: One-time 4-hour course
- Adjusters: 4 hours Law & Ethics + 20 elective
- CE due: Last day of birth month biennially
- CE rollover allowed: Up to 24 hours
- Special rules: Reduced CE for long-term licensees, CLUs, CPCUs; non-agent and title agents have customized CE requirements
- CE transcript lookup: Florida Licensee Search
Florida insurance license FAQs
There is no set timeline: most of it depends on how long you study and how soon you can book an exam. Start with the prelicensing requirement: 30 to 200 hours by line. Allow time for your fingerprint appointment too. After you pass, you have 1 year to apply.
No. Florida insurance exams are taken in person at Pearson VUE test centers.
Expect to pay $44 per exam for the exam and $50 + $5 per line of authority for the license. Fingerprinting and any exam prep are extra.
Yes. Florida sets this requirement: 30 to 200 hours by line.
The passing score is 70%. In 2025, 53.0% of first-time test takers passed the Florida life and health exam, according to the NAIC.
Yes. Resident applicants in Florida are fingerprinted through IdentoGO.
Apply through MyProfile or NIPR after you pass your exam.
Florida requires 24 hours every 2 years to keep your license active.
For what an agent does, the types of insurance and how multi-state licensing works, see our guide to insurance licensing by state.
Sources
- Prelicensing: myfloridacfo.com
- Exam provider, exam fee, passing score, online exams, where to apply and time to apply after passing: pearsonvue.com
- License fee and fingerprints: nipr.com
- Continuing education: flsenate.gov
- Pass rates: NAIC state exam reports
- Average salary: Bureau of Labor Statistics, May 2025
Compiled from official Florida and exam provider sources as of . Licensing rules and fees change, so confirm them with the Florida insurance department before you apply.
Conclusion
If you're ready to start your journey toward becoming a licensed insurance agent in Florida, Achievable's license exam prep covers each major line: Life & Health insurance license exam prep, Property & Casualty license exam prep, and Personal Lines license exam prep. Our comprehensive study materials and practice exams are designed to help you pass your licensing exam on the first attempt.
Interested in insurance licensing in other states?
