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How to get an insurance license in Florida. P&C: 200 pre-licensing hours. L&H: 200 hours. Government fees: $246 for both lines. 2 years renewal cycle. Verified 2026-03-22. Data verified 2026-03-22. Source: LicenseMap (getlicensemap.com).
Insurance Agent
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91% of data points are verified against official sources. 2 fields based on preliminary research. We recommend confirming details with your state's licensing authority. See sources below · Report incorrect data
200 hrs
P&C Education
200 hrs
L&H Education
2 years
Renewal Cycle
$246
Gov. Fees (Both)
Insurance Agent
Florida uses a numbered license designation system. The 2-20 General Lines Agent license covers Property & Casualty (including surety, health, and marine). The 2-15 Health & Life Agent license (Including Annuities & Variable Contracts) covers Life and Health lines. Florida requires substantial pre-licensing education: 200 hours for the 2-20 license and 60 hours for the 2-15 license. Exams are administered by Pearson VUE.
Other Available Lines of Authority
200 hours of approved pre-licensing education required
60 hours (Life including Health); 200 hours (General Lines P&C); 40 hours (Title). Required for Health & Life, P&C, Surplus Lines, Title.
Online courses: Allowed
Florida 2-20 General Lines Agent Examination
Administered by Pearson VUE
175
Questions
70%
Passing Score
180 minutes (3 hours)
Time Limit
$44
Exam Fee
The exam consists of 175 total questions (160 scored, 15 pretest/unscored). Covers general and Florida state-specific property and casualty knowledge. A 70% passing score is required. Applicants are limited to five examination attempts during a one-year period. The exam must be taken at a physical Pearson VUE examination center.
200 hours of approved pre-licensing education required
60 hours (Life including Health); 200 hours (General Lines P&C); 40 hours (Title). Required for Health & Life, P&C, Surplus Lines, Title.
Online courses: Allowed
Florida 2-15 Health & Life (Including Annuities & Variable Contracts) Agent Examination
Administered by Pearson VUE
165
Questions
70%
Passing Score
165 minutes (2 hours 45 minutes)
Time Limit
$44
Exam Fee
The exam consists of 165 total questions (150 scored, 15 pretest/unscored). A 70% passing score is required (must answer at least 105 scored questions correctly). Applicants are limited to five examination attempts during a one-year period. A passing score is valid for one year from the passing date.
Minimum Age
18 years old
Education
No specific education requirement beyond pre-licensing course
Residency
Must be a bona fide resident of Florida to apply for a resident agent license. Non-residents apply through NIPR.
Background Check
All applicants must submit fingerprints for a criminal background check. The fingerprinting fee is $48.05 plus local Florida county sales tax.
Fingerprinting
Required
Citizenship
US citizen or legal alien with work authorization
| Fee | Amount |
|---|---|
Application Fee Application fee ($50) plus license ID fee ($5) = $55 total | $55 |
P&C Exam Fee 2-20 General Lines exam fee per attempt, paid to Pearson VUE | $44 |
L&H Exam Fee 2-15 Health & Life exam fee per attempt, paid to Pearson VUE | $44 |
Fingerprinting Fee Plus local Florida county sales tax | $48.05 |
Total Gov. Fees (Single Line) Application ($55) + exam ($44) + fingerprinting ($48.05, approximate) for one line of authority | $147 |
Total Gov. Fees (Both Lines) Application ($55 x 2 = $110) + P&C exam ($44) + L&H exam ($44) + fingerprinting ($48.05, one-time). Note: application may be a single $55 fee covering both lines. | $246 |
Pre-Licensing Course Cost: $200-$600(per line)
200-hour P&C course or 60-hour L&H course. Varies significantly by provider. NOT a government fee.
Complete the 200-hour approved General Lines pre-licensing course (must include 3 hours of ethics)
Schedule the 2-20 General Lines exam through Pearson VUE
Pass the 2-20 exam (175 questions, 70% passing score)
Complete fingerprinting ($48.05 + sales tax)
Create an account on the Florida DFS website
Apply for your 2-20 license through the DFS online portal
Choose 'Individual' from the dropdown and complete the application
Pay the $55 application fee ($50 application + $5 license ID) by credit card
Course must have been completed within 4 years of application date
Complete the 60-hour approved Life and Health pre-licensing course (including variable annuity insurance)
Schedule the 2-15 Health & Life exam through Pearson VUE
Pass the 2-15 exam (165 questions, 70% passing score)
Complete fingerprinting if not already on file ($48.05 + sales tax)
Apply for your 2-15 license through the Florida DFS online portal
Pay the $55 application fee ($50 application + $5 license ID) by credit card
Passing score is valid for one year from the passing date
Important: A license alone does not allow you to sell insurance
After obtaining your license, you must be appointed by at least one insurance company to sell their products. Florida licenses are perpetual as long as the agent remains appointed and meets CE requirements. If all appointments are terminated, the license becomes inactive.
Appointment fee: Paid by carrier
Florida participates in NIPR for non-resident producer licensing. Non-resident applicants must hold equivalent lines of authority in their home state. Non-resident adjusters have a $50 renewal fee. CE reciprocity is NOT available — non-residents must meet the same CE requirements as residents.
Additional requirements: Must hold active license in good standing in home state. CE reciprocity not available for non-residents.
Renewal Cycle
2 years
Renewal Fee
$0
CE Required
24 hours per cycle
Ethics Hours
3 hours (included in CE total)
Insurance agents licensed less than 6 years must complete 24 total hours every 2 years, including 4 hours of Law and Ethics in the license type held. After being licensed for 6 years, the CE requirement reduces to 20 total hours every 2 years. CE must be completed by the last day of the licensee's birth month every 2 years. Florida allows a maximum of 24 excess CE hours to carry over into the next reporting period. Licenses are perpetual provided CE requirements are met and the agent remains appointed. There is NO renewal fee or paperwork required beyond completing CE.
Regulatory Board
Unique to Florida: Florida stands out with its 200-hour pre-licensing education requirement for the 2-20 General Lines (P&C) license — among the highest in the nation. The state's perpetual license system with no renewal fee is unusual; agents simply complete CE and stay appointed. The 2-20 P&C license uniquely covers surety, health, and marine in addition to property and casualty. Florida also does NOT offer CE reciprocity for non-residents.
Explore requirements for other professional licenses in Florida.
How this state compares to 50 others for this profession
Timeline
#1 of 51
Salary
#26 of 51
Processing
#1 of 51
Based on May 2024 Bureau of Labor Statistics OEWS data for Insurance Sales Agents (SOC 41-3021)
Entry Level
$46,330
25th percentile
Median
$59,790
-1% vs. national avg ($60,370)Experienced
$81,260
75th percentile
Wage Distribution (Annual)
44,080 employed in this state
Note: Insurance agent compensation is heavily commission-based. BLS OEWS data may not fully reflect total earnings including commissions and bonuses.
Source: BLS OEWS – Insurance Sales Agents (May 2024)
National employment projections for 2024-2034
Projected Growth
+4.7%
Average GrowthNew Jobs
+26,200
over 10 years
Annual Openings
41,200
per year (avg.)
555,200 currently employed nationwide (2024)
Source: BLS Employment Projections 2024-2034 (September 2025)
Insurance Career Ladder+12% salary growth potential
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Insurance Agent
$59,790
Pre-licensing education + state exam
You are here
Insurance Agent
Pre-licensing education + state exam
$59,790
Adjuster licensing + claims experience
$66,860
Salary data from BLS OEWS May 2024 for this state. Career paths represent common advancement routes — actual progression may vary. Bureau of Labor Statistics — Occupational Outlook Handbook
Government fees and exam costs to obtain your initial license
Note: These are government licensing fees only. Education/training program costs (tuition, books, etc.) are not included as they vary widely by institution.
Source: Florida Department of Financial Services (DFS) — Licensing Requirements
Estimated total: 4–10 weeks
Timeline estimated from licensing requirements on this page.
Source: Florida Department of Financial Services (DFS) — Licensing Requirements
1–4 weeks
Estimated processing time
Source: Florida Department of Financial Services (DFS) — Licensing Requirements
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