How to become an insurance agent in Florida
Florida insurance agents are licensed by the Florida Department of Financial Services, Division of Insurance Agent and Agency Services. Here is what it takes to work as a licensed insurance agent in Florida, from official sources checked November 4, 2026.
Who can become an insurance agent in Florida?
- At least 18 years old
- Florida resident
- U.S. citizen or legal alien with work authorization
- Not holding a resident license in another state
- Complete the required pre-licensing course (or a qualifying alternative) and pass the state exam
- Fingerprints
Florida insurance agent license requirements
| State license | Yes. Florida licenses insurance agents through the Department of Financial Services; the main resident licenses are 2-20 General Lines (property & casualty) and 2-15 Health & Life. |
|---|---|
| Licensed by | Florida Department of Financial Services, Division of Insurance Agent and Agency Services |
| License name | Resident General Lines Agent (2-20, property & casualty) or Resident Health & Life Agent (2-15, including annuities & variable contracts) |
| Education or training | 2-20 General Lines: 200-hour department-approved property & casualty course within 4 years of applying (or 1 year qualifying employment, or 1 year as a licensed customer rep/personal lines agent plus a 40-hour course). 2-15 Health & Life: 60-hour approved life, health and variable annuity course within 4 years (or 30-hour life + 40-hour health course). Study manuals are required for pre-licensing attendees. |
| Exam | State exam given by Pearson VUE at physical test centers only (OnVUE online proctoring no longer available for new reservations); a passing score is valid for one year. |
| License term | License is perpetual (no renewal) while the agent is appointed; it expires after 48 months without an appointment. Appointments renew every 24 months in the appointee's birth month. |
| Continuing education | 2-20 and 2-15 agents: 24 hours per compliance cycle (4-hour Law and Ethics update plus 20 elective hours) under s. 626.2815, F.S.; missing CE can cancel appointments. |
How much does it cost?
| License application | $50.00 |
|---|---|
| License ID | $5.00 |
| State exam (paid to exam vendor) | $44.00 |
| Fingerprinting (paid to vendor) | $52.50 |
| Resident appointment (paid by appointing insurer through eAppoint) | $60.00 |
Fees as listed by the state. Schools, courses, exam prep, insurance and equipment cost extra and vary by provider.
Steps to become an insurance agent in Florida
- Choose a line: 2-20 General Lines or 2-15 Health & Life
- Complete the approved pre-licensing course (200 or 60 hours)
- Apply online through the DFS MyProfile licensing system and pay fees
- Get fingerprinted with the state vendor
- Schedule and pass the Pearson VUE exam after DFS authorizes it
- Get appointed by an insurer to start selling
Apply on the official Florida site
How do you check an insurance agent's license in Florida?
- Search the name or license number on the official Florida insurance agent license lookup.
- Check that the status is active and the name matches the person or company you're hiring.
- Ask how long they've been licensed and whether any complaints or discipline are on record.