How to Get Your Florida Insurance License in 2026
Compare 4 FL DFS-approved insurance pre-licensing schools. See costs, Pearson VUE exam details, and get your Florida insurance license fast — 2-15 Life & Health, 2-20 P&C, or 20-44 Personal Lines.
Course Cost
$99 – $499
Time to License
3 – 12 weeks
Avg FL Salary
$62,000/yr
Required Hours
60 – 200 hours
Top 3 Florida Insurance Pre-Licensing Schools
1. ExamFXBest Value
All FL tracks starting at $169.95 (Self-Study). 94–99% pass rate claim. Video and Live Online tiers available up to $299.95. FL DFS-approved with pass guarantee.
From $169.95
L&H Self-Study
2. Xcel SolutionsProven System
L&H Standard $199 / Premier $299. P&C Standard $299 / Premier $399. 3-part system: Pre-licensing + Prep Review + Exam Simulator. Prepared to Pass Promise on Premier packages.
From $199
L&H Standard
3. Kaplan Financial Education
Most comprehensive course library. Multiple tiers for L&H, P&C, and Personal Lines. Live instructor option available. FL DFS-approved — established industry brand since 1938.
From $139
L&H OnDemand
Best Florida Insurance Pre-Licensing Courses
All 6 schools are Florida FLDFS-approved. Price: Low to High.
Quick Price Comparison (Course Only)
WebCE
Starting at
$109.95
- Competitive pricing — FL DFS-approved provider
- 94% pass rate — industry-leading results
- EXCEED daily microlearning add-on available
- L&H, P&C, and Personal Lines tracks available
- FL DFS-approved pre-licensing provider -- reports completions to state
Available Packages (3)
Life & Health (2-15) Complete Package
- FL 2-15 pre-licensing course (60 hrs)
- Practice exams included
- FL DFS-approved certificate of completion
- Exam prep integrated into course
eInsuranceTraining.com
Starting at
$130
- State-Approved Pre-Licensing for Life & Health (L&H) only
- P&C pre-licensing not offered — FL P&C requires 200 hrs
- Affordable pricing for L&H license candidates
Available Packages (2)
L&H Pre-License Basic
- FL-approved Life & Health course
- Practice exams
- 180-day access
Kaplan Financial Education
Starting at
$139
- Established national brand — FL DFS-approved
- Multiple study tiers including live instructor-led option
- Comprehensive course library for 2-15, 2-20, and 20-44
- Strong reputation for exam prep quality
Available Packages (8)
Life & Health (2-15) — OnDemand
- FL 2-15 pre-licensing course (60 hrs)
- Online self-study format
- FL DFS-approved certificate of completion
- Core exam content coverage
ExamFX
Best ValueStarting at
$169.95
- Lowest verified FL price: $169.95 for L&H (Self-Study)
- 94–99% pass rate claim with pass guarantee
- FL DFS-approved — Pearson VUE exam prep
- Three tiers: Self-Study, Video, and Live Online
Available Packages (6)
Life & Health (2-15) — Self-Study Package
- FL 2-15 pre-licensing course (60 hrs)
- Online exam simulations & readiness exam
- FL DFS-approved certificate of completion
- Instructor & technical support
A.D. Banker
Pass GuaranteeStarting at
$169.95
- State-approved prelicensing provider -- reports completions to regulator
- Three tiers: Silver ($169.95), Gold ($196.90), Platinum ($296.85)
- Pass Guarantee included on every package
- Industry-leading insurance educator
Available Packages (3)
Silver -- Online Course
- Full online course
- Unlimited chapter exams
- Simulated licensing exams
- Pass Guarantee
- PDF study manual
Xcel Solutions
Starting at
$199
- Proven 3-part training: Pre-license + Prep Review + Exam Simulator
- L&H Standard $199 / Premier $299 | P&C Standard $299 / Premier $399
- FL DFS-approved — dedicated FL course pages
- Prepared to Pass Promise on Premier (full refund if you fail)
Available Packages (6)
Life & Health (2-15) — Standard
- FL 2-15 pre-licensing course (60 hrs)
- Prep Review Course + 3 Exam Simulators
- Unlimited exam simulator retakes
- FL DFS-approved certificate of completion
Prices verified March 2026. Prices may change. Always confirm current pricing on the school's website before enrolling.
What Is a Florida Insurance License?
A Florida insurance license is a state-issued credential required by the Florida Department of Financial Services (DFS) to legally sell insurance products in Florida. All agents must complete DFS-approved pre-licensing education, pass the Pearson VUE state exam, complete Live Scan fingerprinting through IdentoGO, and apply via the MyProfile (DICE) system at dice.fldfs.com.
Florida's most common licenses are the 2-15 Life, Health & Variable Annuity license (60 hours, covers life, health, annuities, Medicare, and variable products) and the 2-20 General Lines P&C license (200 hours — the most extensive insurance pre-licensing requirement in the US). The 20-44 Personal Lines license (60 hours) covers personal auto, homeowners, and renters insurance for agents who don't need commercial authority.
2-15 Life & Health
60 hours required
Life, health, annuities, Medicare, variable products
2-20 General Lines P&C
200 hours required
Auto, home, commercial property, liability, workers' comp
20-44 Personal Lines
60 hours required
Personal auto, homeowners & renters insurance only
How Much Do Florida Insurance Agents Earn?
FL Average
$62,000/yr
Source: Indeed.com + Salary.com (2025)
Top Producers
$100,000–$200,000+
Experienced independent P&C and Medicare agents
Commission Structure
Property & Casualty
- • New business: 8–15% of annual premium
- • Renewals: 5–10% of annual premium
- FL avg homeowners: $4,500/yr → $360–$675 per policy
Life Insurance
- • First-year: 50–100% of annual premium
- • Renewal trails: 2–5% per year
- Example: $2,400/yr policy at 70% = $1,680 first year
Medicare (FL is #3 in US)
- • Medicare Advantage: $601/yr per enrollee (2025 CMS)
- • Renewal: ~$300/yr per enrollee
- FL's massive 65+ population = high-volume opportunity
Salary Range by Career Stage
Entry Level
$35,000–$50,000
First 1–2 years, captive agent
Mid-Career
$62,000
FL state average
Top Producers
$150,000+
Independent P&C, Medicare, commercial
Top Florida Insurance Markets
Is a Florida Insurance License Worth It?
👍 Pros
- + Massive Market: Florida is one of the largest insurance markets in the US — hurricane risk, population growth, and a massive retiree demographic drive constant demand.
- + High P&C Commissions: Florida's average homeowners premium ($4,500+/yr) means P&C agents earn strong per-policy commissions compared to most states.
- + Multiple License Tracks: 2-15 L&H (60 hrs), 2-20 P&C (200 hrs), and 20-44 Personal Lines (60 hrs). Stack licenses to maximize opportunity.
- + Growing Medicare Market: FL ranks #3 nationally in Medicare enrollment — the 65+ population creates massive Medicare Advantage and supplement demand.
👎 Cons
- - 2-20 P&C Takes 200 Hours: The General Lines P&C license requires the most pre-licensing of any insurance license in the US — plan for 2–4 months of serious study time.
- - Commission-Dependent Income: Most insurance agents earn primarily through commissions — income can vary, especially in the first 1–2 years before you build a book of business.
- - Fingerprinting + Background Check Required: FL mandates Live Scan fingerprinting through IdentoGO (~$54 with tax), and your license won't be issued until the background check clears (1–3 weeks).
How to Get Your Florida Insurance License
Choose Your License Type and Enroll in Pre-Licensing
Select the license that fits your career goals: 2-15 (Life & Health, 60 hrs) for life/health/Medicare; 2-20 (General Lines P&C, 200 hrs) for all property and casualty lines; or 20-44 (Personal Lines, 60 hrs) for personal auto and home. Enroll in a DFS-approved pre-licensing course — most are available online and self-paced.
Complete Your Course and Pass the Certification Exam
Complete all required hours and pass the course certification exam with 70% or higher. Your provider will electronically submit proof of completion to FL DFS within 21 days. The certificate of completion is valid for 4 years — you must pass the state exam within this window.
Submit Your License Application via MyProfile (DICE)
Apply online through Florida's MyProfile system at dice.fldfs.com. The application fee is $50 (+ $2.45 convenience fee if paying by credit card). Military members and recent veterans may be exempt. Submitting the application triggers the background check process.
Complete Fingerprinting via IdentoGO
Schedule and complete Live Scan fingerprinting through IdentoGO at fl.state.identogo.com or by calling (800) 528-1358. Use ORI code DFS-1-FL921060Z. The fee is $50.75 + local FL sales tax. Fingerprints are sent electronically to DFS for a state and FBI background check. You can complete fingerprinting before or after the exam, but your license won't be issued until the background check clears.
Schedule and Pass the Pearson VUE State Exam
Schedule your exam through Pearson VUE at pearsonvue.com/us/en/fl/insurance.html or by calling 1-888-274-2020. The exam fee is $44 per attempt. Bring a government-issued photo ID. Score of 70% required to pass. Results are printed immediately upon completing the exam. You have up to 5 attempts per exam type within 1 year. Note: only ONE online proctored attempt is allowed — all retakes must be in-person.
Receive Your License and Get Appointed
Once you pass your exam and your background check clears, DFS will issue your license electronically — viewable in your MyProfile (DICE) account at dice.fldfs.com. Your license is active immediately. To legally sell insurance, you must then get appointed by an insurance carrier or agency. Appointments are submitted by the carrier/agency directly to DFS.
Florida Insurance License Requirements
Eligibility Requirements
- Must be at least 18 years old
- Valid US Social Security number required
- No college degree required
- Must pass fingerprint-based background check (state + FBI)
- No prior insurance license required
Pre-Licensing Hour Requirements
- 2-15 Life, Health & Variable Annuity: 60 hours
- 2-14 Life & Variable Annuity: 30 hours
- 2-40 Health only: 40 hours
- 20-44 Personal Lines: 60 hours
- 2-20 General Lines P&C: 200 hours
Exam Requirements (Pearson VUE)
- Pearson VUE — pearsonvue.com/us/en/fl/insurance.html
- 2-15 exam: 165 questions (150 scored), 2 hr 45 min
- 2-20 exam: 165 questions (150 scored), 3 hours
- 70% passing score required on all exams
- $44 exam fee per attempt — max 5 attempts per year
Continuing Education
- 24 CE hours per 2-year cycle (years 1–6)
- 20 CE hours per 2-year cycle (year 7+)
- Minimum 5 hours ethics required every renewal period
- License renewal is 2-year cycle — fee approximately $55
- Non-resident agents: meet home state CE requirements
Florida Insurance License Reciprocity
Florida offers broad non-resident licensing for agents already licensed in other states. If you hold an active insurance license in your home state, you may qualify for a Florida non-resident license — often without completing Florida's full pre-licensing requirements — subject to DFS approval and your home state's reciprocal agreement status. Florida has reciprocal agreements with the majority of US states, making it one of the more accessible non-resident markets.
Key Reciprocity Facts
- Non-resident applicants apply via MyProfile (DICE) at dice.fldfs.com with proof of home-state licensure
- The $50 FL DFS application fee still applies to non-resident applicants
- Fingerprinting via IdentoGO is required for all new FL license applicants, including non-residents
- Many states with active reciprocal agreements allow FL to waive the state exam — verify your home state's agreement at myfloridacfo.com/division/agents
- FL non-resident license covers the same lines of authority as your home state license
⚠️ Reciprocity Does Not Guarantee Exam Waiver
Florida does not universally waive the Pearson VUE state exam for all non-residents. The exam waiver depends on your specific home state's reciprocal agreement with Florida. Check the current list of participating states via the FL DFS Division of Agents before assuming exam waiver eligibility.
How to Renew Your Florida Insurance License
Florida insurance licenses renew on a 2-year cycle. Staying current on CE requirements keeps your license active and avoids costly reinstatement fees.
2 Years
Renewal Cycle
Standard for all FL insurance licenses
24 CE Hrs
First 6 Renewal Periods
Drops to 20 hrs after year 7
~$55
Renewal Fee
Paid via MyProfile (DICE)
Florida CE Renewal Requirements
- 24 CE hours required per 2-year cycle (years 1–6 of licensure)
- 5 hours must be ethics — required every renewal period regardless of experience level
- 20 CE hours required per 2-year cycle after year 7 (still includes 5 ethics hours)
- Renewal fee approximately $55, paid via MyProfile (DICE) at dice.fldfs.com
- CE courses must be approved by the FL DFS — verify provider approval before enrolling
- Late renewal may result in license lapse and a reinstatement process with additional fees
Florida Insurance License Cost Breakdown
Here's the complete breakdown of what it costs to get your Florida insurance license in 2026:
Life & Health License (2-15 — 60 hours)
| Pre-Licensing Course (2-15 — 60 hours) | $99 – $299 | FL DFS-approved course |
| Pearson VUE Exam Fee | $44 – $44 | pearsonvue.com/us/en/fl/insurance.html |
| License Application Fee (FL DFS / DICE) | $50 – $52 | dice.fldfs.com — +$2.45 CC convenience fee |
| IdentoGO Fingerprinting (Live Scan) | $51 – $56 | fl.state.identogo.com — $50.75 + FL county sales tax |
| Estimated Total (2-15 L&H) | $294 – $451 | All fees non-refundable |
General Lines P&C License (2-20 — 200 hours)
| Pre-Licensing Course (2-20 — 200 hours) | $199 – $499 | Most content-intensive course in the US |
| Pearson VUE Exam Fee | $44 – $44 | pearsonvue.com/us/en/fl/insurance.html |
| License Application Fee (FL DFS / DICE) | $50 – $52 | dice.fldfs.com — +$2.45 CC convenience fee |
| IdentoGO Fingerprinting (Live Scan) | $51 – $56 | fl.state.identogo.com — $50.75 + FL county sales tax |
| Estimated Total (2-20 P&C) | $344 – $651 | All fees non-refundable |
All state and government fees are non-refundable. Education costs vary by provider and package. Fingerprinting required for first-time applicants only. Military veterans may be exempt from the $50 application fee.
The Florida Insurance Exam — What to Expect
Life, Health & Variable Annuity (2-15)
- Exam code: InsFL-LHA05
- Total questions: 165 (150 scored + 15 pretest)
- Time limit: 2 hours 45 minutes
- Passing score: 70% (105 of 150 scored)
- Fee: $44 per attempt
General Lines P&C (2-20)
- Exam code: InsFL-PC06
- Total questions: 165 (150 scored + 15 pretest)
- Time limit: 3 hours
- Passing score: 70% (105 of 150 scored)
- Fee: $44 per attempt
Life & Health Exam Topics
- Types of life insurance (term, whole life, universal, variable)
- Annuities and variable annuity products
- Health insurance policy types and provisions
- Disability income and long-term care insurance
- Medicare, Medicaid & Florida Healthy Kids
- Florida insurance law and DFS regulations
- Ethics, unfair trade practices, consumer protections
- Policy replacement, suitability & disclosure
P&C Exam Topics
- Principles of property and casualty insurance
- Homeowners policies & dwelling fire coverage
- Personal and commercial auto insurance
- FL wind/hurricane & flood insurance (NFIP)
- Citizens Property Insurance Corporation
- Workers' compensation — FL-specific rules
- FL surplus lines market and eligible insurers
- FL insurance law, DFS regulations & ethics
💡 Pearson VUE Exam Tip
Your Pearson VUE score is printed immediately upon completing the exam. Each exam includes 15 unscored pretest questions distributed randomly — only the 150 scored questions count toward your pass/fail result. You have up to 5 attempts per exam type within 1 year. For the 2-20 P&C exam, invest in a comprehensive prep package — the scope of the 200-hour curriculum is substantial, and the exam tests both general insurance concepts and FL-specific statutes.
How Long Does It Take to Get a Florida Insurance License?
3 – 5 weeks
Fast Track (2-15 L&H)
Full-time study, quick exam scheduling
6 – 10 weeks
Part-time (2-15 L&H)
Evenings & weekends
3 – 6 months
2-20 P&C (200 hrs)
Part-time study pace
| Step | Activity | Duration |
|---|---|---|
| 1 | Choose your license type and enroll | 1 day |
| 2 | Complete pre-licensing course (2-15: 60 hrs / 2-20: 200 hrs) | 2–12 weeks |
| 3 | Submit FL DFS application via MyProfile (DICE) | 1 day |
| 4 | Complete fingerprinting (IdentoGO Live Scan) | 1–3 days |
| 5 | Schedule & pass Pearson VUE exam | 1–2 weeks |
| 6 | Background check clears + license issued | 1–3 weeks |
The 2-20 P&C license (200 hours) is the longest path in FL insurance — plan for 2–4 months of dedicated study. Fingerprinting can be completed in parallel while studying to avoid delays at the end.
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Frequently Asked Questions
How many pre-licensing hours do I need to get a Florida insurance license?
It depends on the license type: the 2-15 Life, Health & Variable Annuity license requires 60 hours; the 2-14 Life & Variable Annuity requires 30 hours; the 2-40 Health-only license requires 40 hours; the 20-44 Personal Lines license requires 60 hours; and the 2-20 General Lines Property & Casualty (P&C) license requires 200 hours. Florida's 200-hour P&C requirement is the highest pre-licensing requirement in the US, reflecting the complexity of the state's hurricane, flood, and commercial insurance markets.
How much does it cost to get a Florida insurance license?
Total costs range from approximately $294 to $651 depending on your license type. For the 2-15 Life & Health license, expect: pre-licensing course ($99–$299) + Pearson VUE exam fee ($44) + FL DFS application fee ($52 with CC fee) + IdentoGO fingerprinting (~$54 with tax) = roughly $294–$451 total. For the 2-20 P&C license, the 200-hour course runs $199–$499, pushing total costs to $344–$651. All fees are non-refundable, so preparation matters.
What is the passing score for the Florida insurance exam?
A score of 70% is required to pass all Florida insurance producer licensing exams administered by Pearson VUE. Each exam includes 15 unscored pretest questions — only the scored questions count toward your result. For example, the 2-15 L&H exam has 165 total questions (150 scored), and you need to correctly answer 105 of the scored questions. Results are printed immediately upon completing the exam. You have up to 5 attempts per exam type within a 12-month period.
Why does Florida's 2-20 P&C license require 200 hours of pre-licensing?
Florida's 200-hour requirement for the General Lines P&C (2-20) license is the highest of any state in the US, and it reflects the complexity and risk of Florida's property and casualty market. Florida faces unique exposures including hurricane and wind damage, sinkholes, flood risk (NFIP), and a large coastal property market. The comprehensive curriculum ensures that agents understand Citizens Property Insurance (the state's insurer of last resort), surplus lines regulations, the Florida Hurricane Catastrophe Fund, and complex commercial lines. While demanding, the 2-20 opens the door to one of the highest-earning P&C markets in the country.
How long does it take to get a Florida insurance license?
For the 2-15 Life & Health license (60 hours), most dedicated students complete the process in 3–6 weeks: 2–4 weeks for the coursework, a few days to schedule and take the exam, and 1–2 weeks for background check processing. For the 2-20 P&C license (200 hours), expect 2–4 months working full-time or 3–6 months part-time. The fingerprint/background check typically takes 1–3 weeks and is often the final bottleneck before license issuance.
Does Florida require fingerprinting for an insurance license?
Yes — fingerprinting is mandatory for all new Florida insurance license applicants. You must use IdentoGO by Idemia, which is DFS's designated Live Scan fingerprinting vendor. The fee is $50.75 plus local Florida county sales tax. You can complete fingerprinting before or after passing your state exam, but DFS will not issue your license until the background check (which includes both a Florida state and FBI check) clears. Schedule online at fl.state.identogo.com using ORI code DFS-1-FL921060Z.
How much do insurance agents make in Florida?
Florida insurance agents earn an average of $52,000–$76,000 per year based on combined data from Indeed, ZipRecruiter, and Salary.com (2025). Entry-level agents at captive carriers may start at $35,000–$50,000 base with bonuses, while experienced independent agents with established books — especially in P&C and Medicare — regularly earn $100,000–$200,000+. South Florida markets (Miami, Fort Lauderdale, Boca Raton) and the Tampa Bay area offer the highest earning potential. Florida's average homeowners insurance premium ($4,500+/year, among the highest in the US due to hurricane risk) means P&C agents earn strong commissions per policy.
Can I take the Florida insurance exam online?
Yes — Pearson VUE offers online proctored testing for Florida insurance licensing exams. However, there's an important restriction: you are allowed only ONE online attempt per exam type. If you need to retake the exam, all subsequent attempts must be taken in person at a Pearson VUE test center. Online testing requires a webcam and a quiet, private environment. Pearson VUE has 20+ test centers throughout Florida for in-person testing, including locations in Miami, Tampa, Orlando, Jacksonville, and Fort Lauderdale.
What is the difference between the 2-20 and 20-44 Florida insurance licenses?
The 2-20 General Lines P&C license is the full property and casualty license — it allows agents to sell both personal lines (auto, homeowners, renters) AND commercial lines (business property, general liability, workers' comp, commercial auto, etc.). The 20-44 Personal Lines license is a restricted version that only allows agents to sell personal (non-commercial) lines of insurance to individuals. The 2-20 requires 200 hours of pre-licensing; the 20-44 requires only 60 hours. Most independent agencies require or prefer the 2-20. The 20-44 is a good starting point for agents working with personal auto and home insurance carriers who don't need commercial authority.
Can I get a Florida insurance license with a criminal record?
It depends on the nature of the offense. Florida conducts a state and FBI background check for all license applicants via fingerprinting. Felony convictions — especially for financial crimes, fraud, theft, or dishonesty — are the primary disqualifying factors. Minor misdemeanors or older offenses may not prevent licensure, but failing to disclose criminal history on your application is a separate violation that will result in denial. If you have concerns about your background, the Florida DFS Bureau of Licensing can provide guidance before you invest in pre-licensing coursework. Contact them at AgentLicensing@MyFloridaCFO.com.
What is the pass rate for the Florida insurance exam?
The first-attempt pass rate for Florida insurance licensing exams is estimated at 55–65% for both the 2-15 Life & Health and 2-20 General Lines P&C exams, based on industry-reported data from Pearson VUE course providers. The 2-20 P&C exam tends to have a lower first-attempt pass rate due to the breadth of its 200-hour curriculum. Using a dedicated exam simulator — in addition to the pre-licensing course — is the most effective way to improve your first-attempt odds. You have up to 5 attempts per exam type within a 12-month period, with the $44 exam fee charged per attempt.
Does Florida have insurance license reciprocity?
Florida offers non-resident licensing for agents licensed in other states, but reciprocity terms vary by state. Non-resident applicants apply via MyProfile (DICE) at dice.fldfs.com and must pay the $50 FL DFS application fee and complete IdentoGO fingerprinting. Florida does not universally waive the Pearson VUE state exam for non-residents — check myfloridacfo.com/division/agents for your home state's current reciprocal agreement status with Florida. Many states have active reciprocal agreements with FL, making the process straightforward for licensed out-of-state agents.
How do I renew my Florida insurance license?
Florida insurance licenses renew on a 2-year cycle. For the first 6 renewal periods (years 1–6), you must complete 24 CE hours per cycle, including a minimum of 5 hours of ethics. After year 7, the requirement drops to 20 CE hours per cycle. The renewal fee is approximately $55, paid via MyProfile (DICE) at dice.fldfs.com. Non-resident agents must meet their home state's CE requirements. Failure to renew on time may result in license lapse and a reinstatement process.
Income Disclaimer: Salary figures are estimates based on publicly available data and vary significantly by state, market, experience level, employer type, and individual effort. Past or average earnings are not a guarantee of future results. CertLaunch makes no income guarantees of any kind.
Sources:
Licensing requirements, exam fees, and course availability change frequently. Always verify current requirements with your state licensing board before enrolling or submitting any application. Learn how we source our data.