Get A Florida Life Insurance License: Quick Guide

If you're looking to get a Florida license in life insurance, there are a few key steps you need to follow. Firstly, you must complete a pre-licensing course, such as the 60-hour Health and Life (Including Annuities and Variable Contracts) Agent Pre-Licensing Online Course. This course will provide you with the necessary education and preparation for the licensing process. Once you've completed the course and passed the final exam, you'll receive a certificate that qualifies you for the state exam. The next step is to register for and pass the state license exam, which will test your knowledge in areas such as insurance concepts, definitions, and regulations. After successfully passing the exam, you'll need to complete fingerprinting and a background check, as required by the state of Florida. Finally, you can submit your license application to the Florida Department of Financial Services, along with the associated fees. With these steps completed, you'll be on your way to obtaining your Florida license in life insurance.

Complete a pre-licensing course

To obtain a life insurance license in Florida, you must complete a pre-licensing course. This is a mandatory step toward getting licensed to sell life insurance in the state. The Florida Insurance 60-hour Pre-License Course covers topics including Federal and State Regulations, Legal Concepts of the Insurance Contract, Life and Health Insurance, Annuities, Health and Accident Insurance, and Disability and Medical Reimbursement.

The pre-licensing course can be taken online, and you have the option of taking the course by itself or selecting a package that includes a study manual, a 300-question practice exam, and more. The tuition fee for the BASIC COURSE is $139, while the ESSENTIAL Course is $189, and both include a 3-month (90-day) enrollment term.

After completing the required education, you must pass the end-of-course final exam with a score of 70% or better. Your Course Completion Certificate is valid for four years from the date of issuance. Once you have passed the exam, you will be qualified to sit for the state exam for the 2-15 Health & Life Agent License.

The Florida Insurance College, in partnership with a Florida state college, also offers a 100% online Registered Customer Service Representative (RCSR) Designation course. This course is the fastest, most affordable, and convenient way to become a licensed 4-40 Customer Rep in Florida.

Additionally, there are three types of Florida Life and Health Insurance licenses:

• 2-15 Florida Health & Life (Including Annuities & Variable Contracts) Agent License
• 2-14 Florida Life (Including Annuities & Variable Contracts) Agent License
• 2-40 Florida Health Agent License

Register for an exam

Registering for the Florida Life Insurance State Exam is a straightforward process. After completing your pre-licensing course, you can schedule your exam at any time. The exam fee is $44 for each attempt, and you can schedule it by calling 1-888-274-2020 or visiting the PearsonVUE website.

When scheduling your exam, you will need to use the corresponding code for the exam you are taking:

• InsFL-LHA05: 165 questions (150 scored, 105 needed to pass), 2 hours and 45 minutes
• InsFL-Life01: 100 questions (85 scored, 56 needed to pass), 2 hours
• InsFL-Health02: 100 questions (85 scored, 56 needed to pass), 2 hours

It is recommended that you take the state exam 5-10 days after completing your course. You will need to arrive 30 minutes before your scheduled appointment to allow for check-in, and you must bring a current form of photo identification (driver's license or passport).

The exam will consist of 15 "pretest" questions that do not affect your final score. These questions are randomly distributed throughout the exam and may differ from the course materials and practice questions.

To pass the exam, you will need a score of 70% or higher. This passing score is valid for one year from the date of passing. You are limited to five examination attempts in a one-year period.

Submit fingerprints electronically

To get a Florida life insurance license, you must submit your fingerprints electronically. This is a mandatory requirement for almost all licenses, registrations, and certifications. The Florida Department of Financial Services requires electronic fingerprints to run a criminal background check.

There are two methods for submitting fingerprints: LiveScan to submit electronically or Fingerprint Cards to submit by mail. The LiveScan method is faster.

Florida Resident applicants should register for LiveScan and go to the nearest IdentoGo location to have their fingerprints submitted electronically. Out-of-State applicants will enter their zip code on the registration site to view the nearest LiveScan locations. If there isn't a location close enough, the option to submit fingerprint cards by mail is available.

The cost of fingerprinting is $48.55 through MorphoTrust, or $50.75 through IdentoGO by Idemia, plus local Florida county sales tax.

When registering with IdentoGO, you will be presented with a list of LiveScan locations after registering. You must then submit your fingerprints electronically via LiveScan.

If your first fingerprint submission is returned as illegible, IdentoGO by Idemia will need you to provide another LiveScan submission at one of their sites at no additional charge if it is submitted within 90 days of the first submission. If both fingerprint results are illegible, you are not required to submit new fingerprints. The Bureau of Licensing will submit a name check request to the FBI, which can take up to 45 days for processing.

You can also use any Livescan Service Provider approved by the Florida Department of Law Enforcement to submit your fingerprints to the department. You will need to provide the Originating Agency Identification (ORI) number to the Provider when you submit your fingerprints. Failure to provide this number will prevent the Department of Business and Professional Regulation from receiving your fingerprint results.

The Livescan Service Provider will charge you directly for the fingerprint scan, and the total fee charged by each Provider varies. The Department of Business and Professional Regulation also offers fingerprinting services for its customers at their headquarters in Tallahassee, Florida, for $37.25.

Apply for a license

Once you have completed the pre-licensing course, you can apply for your Florida insurance license. There is an application fee of $50 and a License ID fee of $5, giving a total cost of $55. You can complete the license application on Florida's Division of Insurance Agent and Agency Services webpage.

You will need to share information about yourself and include a fee of $55 payable to the DFS. You can access the MyProfile page managed by the DFS Bureau of Licensing by clicking the Online Application button. When creating an account for the first time, you will select "Individual" as your account type. The license type is one of the following: 2-15 Health & Life Insurance License, 2-14 Life Only Insurance License, or 2-40 Health Only Insurance License.

After completing your application, the DFS Bureau of Licensing will send your license approval by email. You can then print your license from your MyProfile page.

The total cost to obtain your Florida Insurance License is $147.55 plus course tuition.

Pass the exam

Once you have completed your pre-licensing course, you will need to register with Pearson Vue to take your state insurance exam. You can make an exam reservation online at the Pearson Vue website or over the phone by calling (888) 274-2020. The exam fee is $44.

You will need to provide a current form of photo identification (e.g. driver's license, passport) that matches the name on the exam registration at the testing centre. It is recommended that you arrive 30 minutes before your scheduled appointment to allow time for check-in procedures. If you arrive late, you will not be allowed to take the exam and will forfeit your exam fee.

The exam will cover various insurance concepts, definitions, insurance laws, and agent regulations. The Florida Insurance 60-hour Pre-License Course topics include Federal and State Regulations, Legal Concepts of the Insurance Contract, Life and Health Insurance, Annuities, Health and Accident Insurance, and Disability and Medical Reimbursement.

Regardless of which exam you take, a score of 70% or higher is required to pass. A passing score is valid for one year from the passing date. You will be required to re-take the exam if you do not complete the licensing process within that time frame. You are limited to five examination attempts during a one-year period.

Each exam contains 15 "pretest" questions that do not affect your final score. These "pretest" questions are distributed randomly throughout the exam and are not covered in the course materials and practice questions.

The number of questions and the time limit for the exam will depend on the type of license you are seeking. For the 2-15 Health & Life (Including Annuities & Variable Contracts) Agent License, the exam will consist of 165 questions (150 scored) with a time limit of 2 hours and 45 minutes. For the 2-14 Florida Life (Including Annuities & Variable Contracts) Agent License and the 2-40 Florida Health Agent License, the exam will consist of 100 questions (85 scored) with a time limit of 2 hours.

Frequently asked questions