Florida Insurance Pre-Licensing Course – Find the Perfect Program to Launch Your Career
Use this Florida insurance pre licensing course guide to compare 7 schools by price, support, and license track before you schedule the state exam. Whether you want life health, personal lines, or general lines, the right provider should match your schedule and exam prep needs.
The Florida Department of Financial Services sets the state requirements, and most candidates need a state approved pre licensing course before the state licensing exam. This page focuses on format, access, study tools, and verified discount details.
Last Updated: April 29, 2026
Top 7 Florida Insurance Pre-Licensing Schools Compared
Florida insurance pre licensing courses are state approved, but they are not interchangeable. Some schools focus on low-cost online access, while others put more value into exam prep, question banks, review sessions, and study tools.
Best Florida Insurance Pre-Licensing Courses
All 7 schools are Florida FLDFS-approved. Price: Low to High.
Quick Price Comparison (Course Only)
Disclosure: Some of the links on this page are affiliate links. This means we may earn a commission if you choose a course through them-at no additional cost to you. We only recommend providers we believe offer strong value.
Ownership Disclosure: CertLaunch is owned by the same individual who owns RealEstateU. As a result, we have a financial interest in promoting RealEstateU courses. RealEstateU may receive prominent placement on this page.
RealEstateU
Best ValueStarting at
$99
$79.2
- Lowest starting price: $99 for 60-hour packages (with CERTLAUNCH: $79.20)
- Florida Life & Health and Personal Lines tracks
- Use code CERTLAUNCH for 20% off eligible packages
- Mobile-friendly learning experience with audio course option
- 24/7 support and 30-day satisfaction guarantee
Available Packages (6)
Life & Health (2-15) — Course Only (60 hrs)
- Florida 60-hour state-required Life & Health course
- Covers life, health, annuities, and variable contracts topics
- Online self-paced format
- 6 months course access
WebCE
Starting at
$109.95
$98.96
Use the CertLaunch WebCE portal. The 10% partner discount is applied automatically at checkout, so you do not need a coupon code.
- Competitive pricing — FL DFS-approved provider
- 94% pass rate — industry-leading results
- Use the CertLaunch WebCE portal and the 10% discount applies automatically at checkout
- 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
Automatic 10% discount via partner link
Use the CertLaunch WebCE portal. The 10% partner discount is applied automatically at checkout, so you do not need a coupon code.
- FL 2-15 pre-licensing course (60 hrs)
- Practice exams included
- FL DFS-approved certificate of completion
- Exam prep integrated into course
Xcel Solutions
Starting at
$199
$99
Click the XCEL partner link, choose Florida, select your course type and license track, then click Find Courses. The discounted price is already applied on the individual course page—no coupon code needed.
- Proven 3-part training: Pre-license + Prep Review + Exam Simulator
- Partner-link pricing auto-applies on the XCEL course page
- L&H and Personal Lines packages priced at $199/$299 drop to $99/$149 through the partner flow
- Florida General Lines packages priced at $299/$399 drop to $149/$199 through the partner flow
- 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
Automatic discount via partner link
Click the XCEL partner link, choose Florida, select your course type and license track, then click Find Courses. The discounted price is already applied on the individual course page—no coupon code needed.
- FL 2-15 pre-licensing course (60 hrs)
- Prep Review Course + 3 Exam Simulators
- Unlimited exam simulator retakes
- FL DFS-approved certificate of completion
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
Starting at
$219.95
$153.98
At checkout, open Special Company Discount Pricing first, enter Andrew@CertLaunch.com in the manager email address field, then continue through the remaining steps before you pay.
- 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
- Use Special Company Discount Pricing at checkout and enter Andrew@CertLaunch.com in the manager email field for partner pricing on eligible packages
- 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
Starting 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
Prices verified April 29, 2026. Prices may change. Always confirm current pricing on the school's website before enrolling.
Budget-friendly options: RealEstateU, WebCE, and eInsuranceTraining.com are usually the first picks for students who want a lower starting price without giving up a state approved online course.
Premium full-service schools: Kaplan, Xcel Solutions, and A.D. Banker are stronger fits for students who want more structure, more review, or more support before exam day.
Florida Insurance Pre-Licensing Courses by License Type
Choose the course by the line of authority you actually want to pursue. Florida insurance course hours vary by license path, and Florida does not treat life, health, personal lines, and general lines as one generic pre licensing requirement.
2-15 Life and Health Insurance Courses
The 2-15 path is a 60-hour life health licensing course covering life and health insurance, annuities, variable contracts, accident insurance, disability, medical reimbursement, federal and state regulations, and legal concepts of the insurance contract.
2-20 Property and Casualty Insurance Courses
The 2-20 General Lines path is the most content-heavy Florida insurance pre licensing course because it requires 200 hours. Students choose it when they want the broadest property and casualty insurance authority, including commercial and personal property casualty work.
20-44 Personal Lines Agent Courses
The 20-44 course is a 60-hour personal lines option for students who want to focus on auto, homeowners, renters, and similar household coverage without taking the full general lines path. Specialty options like 2-14 Life-only or 2-40 Health-only also exist.
Essential Course Features to Look For
The best Florida insurance course is not just the cheapest one. It is the one that helps students complete the material, review weak areas, and show up ready for the state exam.
Practice Exams and Question Banks
Good practice exams help students identify weak areas before the licensing exam. Strong providers usually include exam prep, review quizzes, score tracking, and question banks.
Instructor Support and Live Sessions
Instructor access matters when students get stuck on key topics like legal concepts, state regulations, accident insurance, health insurance, annuities, or variable contracts.
Study Materials and Resources
Study materials can include PDF texts, audio lessons, mobile access, flashcards, exam simulators, and structured review plans. The strongest resources help students understand the insurance contract, medical reimbursement rules, and line-specific material instead of just clicking through for completion.
How to Choose Your Florida Insurance Pre-Licensing Course
For Visual and Auditory Learners
Focus on schools that include video, audio, webinars, or guided review. These students often do better when the licensing course explains federal and state regulations, legal concepts, accident insurance, medical reimbursement, and variable annuity pre licensing topics in more than one format.
For Busy Working Professionals
Busy students usually need flexible access, easy schedule control, and a course they can complete at their own pace. A self-paced online course with mobile-friendly access and clear completion tracking is usually the safest choice when your week is already crowded.
For First-Time Test Takers
First-time test takers should lean toward packages with stronger exam prep, more review, and better support if they do not pass on the first attempt.
Get Started with Your Florida Insurance License Today
To become a Florida insurance agent, you normally complete the right pre licensing course, prepare for the state exam, pass the state licensing exam, submit fingerprints, and file your application through the Department of Financial Services. If you want the broader licensing walkthrough after choosing a provider, use our Florida insurance license guide.
Frequently Asked Questions
- How much does a 2-20 insurance agent make in Florida?A 2-20 agent usually has broader income potential because the license covers both personal lines and commercial property and casualty insurance. Pay still depends on commissions, appointments, and book size.
- What is the 63 hour pre licensing course in Florida?That is a Florida real estate requirement, not an insurance licensing course. Florida insurance pre licensing hours usually run 30, 40, 60, or 200 depending on the line.
- How hard is the insurance license exam in Florida?The 2-20 path is usually the hardest because it covers more property, casualty insurance, legal concepts, federal and state regulations, and review material than narrower life or health tracks.
- How much does it cost to get an insurance license in FL?You usually pay for the pre licensing course, the state exam, the Florida Department of Financial Services application fee, and fingerprinting. Current course pricing on this page runs from about $79.20 to $399.
- What is the pre-license insurance course in Florida?It is the state approved education you complete before most lines can move to the state licensing exam. It usually covers federal and state regulations, the insurance contract, life and health insurance, annuities, variable contracts, accident insurance, and medical reimbursement topics tied to the line you choose.
- Which course is best for an insurance company or first-time student?The best course is usually the one with reliable completion reporting, solid study tools, strong exam prep, and a format students will actually finish.
- What insurance licenses are most profitable and what is the easiest exam?Many students target 2-15 for life health and annuities, while others target 2-20 for broader property and casualty insurance work. Narrower exams like 2-14 or 2-40 are usually easier than 2-20.
- How do I find a valid promo code or purchase code?Use the live discount information shown on this page. If a provider does not show a verified code or purchase path here, treat it as no verified code available for now.