How to Get Your Life Insurance License in Florida

Last reviewed 2026-08-02 · Verify details with the Florida Department of Financial Services (Division of Insurance Agent and Agency Services)

Life insurance agents in Florida are licensed by the Florida Department of Financial Services (Division of Insurance Agent and Agency Services) under the 2-14 Life (Including Variable Annuity) Agent License. Here's the whole process — education, exam, and application — in plain English.

Florida life license at a glance

RegulatorFlorida Department of Financial Services (Division of Insurance Agent and Agency Services)

Pre-licensing educationRequired — 40 hours

Exam providerPearson VUE

Fingerprints / background checkRequired

Apply viaCreate a MyProfile account and apply online with DFS, complete the 40-hour course, submit electronic fingerprints (IDEMIA), and pass the Pearson VUE exam

Continuing education24 hours per cycle

Official Florida licensing page

The process, step by step

1Complete the 40 hours of state-approved pre-licensing education for the life line. Online self-paced courses count in Florida.
2Schedule and pass the Florida life insurance exam with Pearson VUE. Budget 1–2 weeks of study; the exam covers policy types, riders, underwriting basics, and Florida insurance law.
3Complete fingerprinting and the background check — schedule this early, since processing can add days to your timeline.
4Submit your license application (Create a MyProfile account and apply online with DFS, complete the 40-hour course, submit electronic fingerprints (IDEMIA), and pass the Pearson VUE exam) and pay the fee. Most approvals come through within days.
5Get appointed with carriers through your upline or IMO, and set up your sales stack — leads, dialer, and CRM — so you can start writing business immediately.

Good to know: Florida licenses are perpetual with no renewal application as long as the agent stays appointed (lapsing after 48 months without an appointment), with 24 CE hours including a mandatory 4-hour Law and Ethics Update every 2 years.

Step 6: set yourself up to actually sell

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Frequently Asked Questions

Does Florida require pre-licensing education for a life insurance license?

Yes. Florida requires 40 hours of approved pre-licensing education for the life line before you can sit the exam.

Who administers the Florida life insurance exam?

The Florida licensing exam is administered by Pearson VUE. You schedule directly with them after meeting any education requirements, and testing is available at physical centers and often via online proctoring.

How often do I renew a Florida insurance license?

You'll need 24 hours of continuing education per renewal cycle.

Can I sell insurance in other states with a Florida license?

Your Florida license covers Florida residents. To sell in other states you apply for non-resident licenses — usually a fast, exam-free application through NIPR once you hold a resident license in good standing. Many telesales agents license in 10+ states this way.

Other states

Georgia Hawaii Idaho

Sources: www.myfloridacfo.com · staterequirement.com

Licensing requirements, fees, and providers change. This guide is informational only and was last reviewed on the date shown above — always confirm current requirements with the state insurance regulator before enrolling in courses or scheduling an exam.