How to get a Florida life & health license
Requirements, exam, fees and the order to do things in — from the Florida Department of Financial Services - Division of Insurance Agent & Agency Services and the exam handbook.
Step by step
- Complete pre-licensing education — 60 hours from a Florida-approved provider.
- Schedule and pass the state exam with Pearson VUE ($44). Read the candidate handbook.
- Get fingerprinted if required — Required (Live Scan for residents); fee ~$50.
- Apply for the license through NIPR or the Florida Department of Financial Services - Division of Insurance Agent & Agency Services ($50 application + $5 license ID fee).
- Get appointed by an insurance company (agents) and keep up with continuing education — 24 hours per renewal (license term: Perpetual (no expiration); CE compliance every 2 years).
Pre-licensing & exam prep courses
- Kaplan Financial Education — state-approved pre-licensing and exam prep, the long-running market leader
- ExamFX — pre-licensing and exam prep with a pass guarantee
- AceableAgent — mobile-first pre-licensing courses
- XCEL Solutions — low-cost online pre-licensing and exam prep
Pick a course approved in Florida. Some links may be affiliate links.
Florida Life & Health requirements
| Life & Health (2-15 Health & Life incl. Variable Annuities; combined) | |
|---|---|
| Pre-licensing education | 60 hours |
| Exam vendor | Pearson VUE |
| Exam fee | $44 |
| Questions / time | 165 (150 scored + 15 pretest) · 165 min |
| License application fee | $50 application + $5 license ID fee |
| Fingerprints | Required (Live Scan for residents); fee ~$50 verify |
| Continuing education | 24 hours · Perpetual (no expiration); CE compliance every 2 years |
Life & Health (2-15 Health & Life incl. Variable Annuities; combined): Split options: 2-14 Life incl. variable annuities (40 h pre-licensing; exam 85+10 Q, 120 min) and 2-40 Health (40 h; exam 85+10 Q, 120 min). Pre-licensing course must be completed within 4 years. CE 24 h/2 yr incl. 5-h Law & Ethics update.
Minimum age 18. Sources: Pearson VUE Florida Insurance Candidate Handbook · Pearson VUE Florida Content Outlines · FL DFS 2-20 Resident General Lines qualifications · FL DFS 2-15 qualifications. Checked 2026-10. Values marked verify haven't been confirmed against an official source yet.
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Life & Health license rules across the US
Other Florida licenses
Property & Casualty license · Adjuster license · All Florida insurance licenses
Questions
How long does it take to get a life and health insurance license in Florida?
The 60 hours of pre-licensing take most people 1–3 weeks. After you pass, license approval usually takes a few days to a few weeks after fingerprints clear.
How much does a Florida Life & Health license cost?
State fees (exam + application) come to about $94, plus fingerprints and a course if you take one.
Who runs the Florida insurance exam?
Pearson VUE. Book the exam on the vendor's site after reading the candidate handbook.