Haris Ashley
In the State of Florida, a 220 insurance license is a prerequisite for selling property, casualty, surety, health, marine, and other miscellaneous insurance. It is also referred to as a 2-20 General Lines Agent license. To obtain this license, one must complete a 200-hour pre-licensing course from a state-approved school and pass the state exam. Alternatively, one can have a year of relevant insurance experience within the past four years or complete at least 15 semester hours of property-casualty courses to waive the 200-hour course requirement. As of February 2025, the average annual salary for a 220 Insurance Agent in the United States is $65,022.
| Characteristics | Values |
|---|---|
| Average Salary | $65,022 per year or $31.26 per hour |
| Salary Range | $25,000 - $121,500 per year |
| Top-Earning Locations | Nome, AK, Berkeley, CA, and Sitka, AK |
| License Type | General Lines Agent License |
| License Requirements | 200-hour pre-licensing course, state exam, fingerprinting, and coursework/experience |
| License Benefits | Ability to sell all types of property and casualty insurance, act as an agent in charge, and own an insurance agency |
| Associated Licenses | 4-40 Customer Service Representative License |
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What You'll Learn
Salary expectations
A 2-20 insurance agent is a licensed agent who can sell insurance and operate insurance agencies. They are qualified to sell property, casualty, surety, health, marine, and miscellaneous lines of insurance. As of February 2025, the average annual salary for a 220 insurance agent in the United States is $65,022, which equates to approximately $31.26 per hour, $1,250 per week, or $5,418 per month. However, there is a wide range of salaries for this role, with ZipRecruiter reporting salaries as high as $121,500 and as low as $25,000. The majority of 220 insurance agent salaries range between $44,500 and $77,000, with the top 10% of earners making $99,500 or more per year.
The salary for 220 insurance agents can vary greatly depending on several factors, including skill level, location, and years of experience. For example, in July 2025, the average annual salary for a 220 insurance agent in Florida was $48,590, which is significantly lower than the national average. However, within Florida, there are still variations in salary depending on the city. For instance, Port St. Lucie and Plantation were identified as cities with salaries above the average for the state. On the other hand, some cities in other states offer salaries well above the national average. Nome, AK, for example, has an average salary for 220 insurance agents that is $15,637 (24%) higher than the national average.
It is worth noting that there are other factors to consider when evaluating salary expectations for 220 insurance agents. The cost of living in a particular location can impact the attractiveness of a salary. Additionally, there may be opportunities to increase earnings by working in a related role, such as a Work From Home Final Expense Life Insurance Agent, which has been reported to pay 25.8% more than the average 220 insurance agent position.
While salary estimates can provide valuable insights, it is important to recognize that actual compensation can vary depending on various factors specific to an individual's circumstances and the company they work for. Nonetheless, the salary expectations for 220 insurance agents appear to offer competitive pay, with potential for advancement and increased earnings based on performance and location.
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Education requirements
A 2-20 insurance agent license is a requirement for selling insurance and operating an insurance agency. It is the broadest property-casualty agent's license in Florida, allowing agents to sell property, casualty, surety, health, marine, and miscellaneous lines of insurance.
To obtain a 2-20 insurance agent license, there are several options:
Complete a 200-hour licensing course from an approved school and pass the state exam. The required hours can be taken online or in a classroom from DFS-approved courses.
Experience Requirements
One year or more of relevant insurance experience within the past four years.
Coursework Requirements
Complete at least 15 semester hours of property-casualty courses to waive the 200-hour course requirement.
Certification Requirements
Hold the Certified Property-Casualty Underwriter (CPCU) designation, which waives the need to take the exam.
Alternative Pathways
For those with designations such as the Chartered Property Casualty Underwriter (CPCU), Accredited Advisor in Insurance (AAI), or Certified Insurance Counselor (CIC), there is an option to waive the state exam requirement.
It is important to note that additional requirements may be necessary, such as providing supporting documents for military service members and veterans, and considerations for individuals with prior criminal history are reviewed on a case-by-case basis.
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Career progression
A 2-20 insurance agent license is the broadest property-casualty agent's license in Florida. It allows agents to sell property, casualty, surety, health, marine, and miscellaneous lines of insurance. To obtain a 2-20 license, one must complete a 200-hour licensing course from an approved school and pass the state exam. Alternatively, one can have one year or more of relevant insurance experience within the past four years or complete at least 15 semester hours of property-casualty courses to waive taking the 200-hour course, and pass the state exam.
The career progression for a 2-20 insurance agent can vary depending on their skills, experience, and aspirations. Here are some potential paths for career advancement:
- Senior 2-20 Insurance Agent: With experience and a strong performance track record, a 2-20 insurance agent can progress to a senior role within their organization. Senior agents may take on additional responsibilities such as mentoring junior agents, handling more complex client accounts, or specializing in specific types of insurance products. They may also be involved in training and onboarding new agents.
- Independent Insurance Agency Owner: A licensed 2-20 insurance agent can choose to open their own independent insurance agency. This path offers more autonomy and the opportunity to build a business. The agent can appoint customer service representatives (CSRs) with 4-40 licenses to work under their supervision. This progression allows the agent to expand their clientele and offer a wider range of insurance products.
- Leadership Roles within Insurance Companies: Experienced 2-20 insurance agents can explore leadership roles within insurance companies. They may become agency directors, regional managers, or vice presidents, overseeing a team of agents and driving sales performance. These roles often involve strategic planning, business development, and managing relationships with key partners and clients.
- Specialization in Niche Markets: Some 2-20 insurance agents may choose to specialize in specific types of insurance, such as commercial insurance, health insurance, or life insurance. By focusing on a niche market, agents can become experts in that field, allowing them to better serve clients with specialized needs. This specialization can lead to higher earnings and a unique position in the industry.
- Insurance Consulting or Advisory Roles: With extensive industry knowledge, 2-20 insurance agents can transition into consulting or advisory roles. They may work independently or for a consulting firm, offering their expertise to insurance companies, agencies, or even directly to clients. These roles often involve risk assessment, policy analysis, and providing recommendations to ensure adequate coverage and compliance with regulations.
- Insurance Education or Training: Experienced 2-20 insurance agents may also pursue a path in education or training within the insurance industry. They can become instructors or mentors, helping new agents prepare for their licensing exams or providing continuing education courses for licensed agents. This career path allows them to share their knowledge and shape the future of the industry.
The career progression for 2-20 insurance agents offers opportunities for increased earnings, leadership roles, business ownership, and specialization. Agents can enhance their career prospects by staying up-to-date with industry changes, expanding their network, and continuously developing their skills and knowledge.
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Licensing
A 2-20 insurance license is a type of insurance license for General Lines Agents. These agents sell insurance and operate insurance agencies. To obtain a 2-20 license, you must complete a 200-hour licensing course from an approved school and pass the state exam. There are ways to waive taking the 200-hour course, such as having one year or more of relevant insurance experience within the past four years, completing at least 15 semester hours of property-casualty courses, or having the Certified Property-Casualty Underwriter (CPCU) designation.
A 4-40 license, on the other hand, is for Customer Service Representatives who work under the direction of 2-20 agents. They assist in the sales and operation of the business but do not sell policies. Instead, they discuss coverage with clients and provide general assistance to agents. To qualify for a 4-40 license, you need to complete a 100-hour licensing course from an approved school and pass the state exam, have six months of relevant insurance experience within the past two years, or complete at least 15 semester hours of property-casualty courses. Designations such as the Chartered Property Casualty Underwriter (CPCU), Accredited Advisor in Insurance (AAI), or Certified Insurance Counselor (CIC) can also waive the need to take the state exam.
The Florida Department of Financial Services (FLDFS) offers several types of licenses for Florida residents, including the 2-20 General Lines Agent license and the 4-40 Customer Service Representative license. The 2-20 license is the broadest property-casualty agent's license in Florida and allows agents to sell property, casualty, surety, health, marine, and miscellaneous lines of insurance. The 4-40 license is primarily a property-casualty license, but it includes qualification for health insurance. This means that if you have a 2-20 license and obtain an appointment from a health insurance carrier, FLDFS will automatically issue you a 2-40 health license.
In addition to the specific requirements for each type of license, there are some general requirements that must be met to obtain an insurance license. These include being a US citizen or legal alien with work authorization from the US Immigration and Naturalization Services, completing coursework and/or having experience in the field, passing a state exam, and fingerprinting.
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Customer service
A 220 insurance license is a general lines or all-lines insurance license. It allows the license holder to sell property, casualty, surety, health, marine, and other miscellaneous insurance. They can work for an established insurance agency, an independent agent, or start their own insurance agency and appoint customer service representatives to sell for them, under their supervision.
The 220 insurance agent's role is a hybrid one, requiring them to connect with existing and potential members for their Medicare plans. They must have strong sales skills to convert calls to sales. They also maintain reports and records of insurance policies and service existing customers while assisting with processing new insurance applications. During peak times, they also enroll clients in Medicare insurance products and sell Medicare plans.
The role requires a strong command of standard commercial insurance knowledge. They must consult with clients to understand their insurance needs and provide tailored coverage options. They must have strong communication skills to explain the various insurance options and benefits to the clients. They must also be able to develop insurance quotes and make sales presentations.
The 220 insurance license holder can also obtain an appointment from a health insurance carrier, which will result in the Florida Department of Financial Services (FLDFS) issuing them with a 2-40 health license.
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Frequently asked questions
A 220 insurance agent is a licensed agent who has completed a 200-hour pre-licensing course and passed the state exam. They can sell property, casualty, surety, health, marine, and other miscellaneous insurance. They can also work for an established insurance agency or be independent.
As of February 2025, the average annual pay for a 220 insurance agent in the United States is $65,022, which equates to approximately $31.26 an hour.
To become a 220 insurance agent, you must complete a 200-hour pre-licensing course from a state-approved school and pass the state exam. You can also become qualified by having one year of relevant insurance experience within the past four years or by completing at least 15 semester hours of property-casualty courses to waive the 200-hour course.
