Key Takeaways
- Florida requires 60 hours of pre-license education for a combined Life & Health license (40 Life, 40 Health with overlap)
- The Florida Life & Health exam has 165 questions total (150 scored, 15 pretest) with a 70% passing score
- Pearson VUE administers Florida insurance licensing exams at testing centers and online
- Florida requires electronic fingerprinting for all license applicants
- Initial licenses are issued for the remainder of the biennium plus the next full 24-month period
Florida Producer Licensing Requirements
Florida has specific requirements for obtaining a Life, Health, and Annuities (2-15) insurance license.
Pre-License Education Requirements
Required Hours
| License Type | Pre-License Hours |
|---|---|
| Life Only (2-14) | 40 hours |
| Health Only (2-40) | 40 hours |
| Life, Health & Annuities (2-15) | 60 hours |
| Variable Annuity (2-15 + 6-15) | 60 hours + additional training |
Key Points:
- 60 hours covers both Life and Health (there is overlap)
- Must complete at DFS-approved schools
- Course completion certificate valid for 2 years
- Online and classroom options available
Course Content
The 60-hour pre-license course must cover:
- Life insurance fundamentals
- Health insurance fundamentals
- Annuities and retirement products
- Florida insurance law and regulations
- Ethics and producer responsibilities
Examination Requirements
The Florida 2-15 Life, Health & Annuities examination:
| Exam Detail | Requirement |
|---|---|
| Total Questions | 165 |
| Scored Questions | 150 |
| Pretest Questions | 15 (unscored) |
| Time Limit | 3 hours |
| Passing Score | 70% (105 of 150 scored) |
| Exam Fee | $50.50 |
| Testing Provider | Pearson VUE |
Note: The 15 pretest questions are not scored and are being evaluated for future exams. You will not know which questions are pretest.
Examination Process
Scheduling the Exam
- Complete pre-license education at approved school
- Schedule exam through Pearson VUE
- Online at pearsonvue.com/fl/insurance
- Phone: (888) 204-6289
- Choose testing option:
- Pearson VUE testing center
- OnVUE online proctored exam
Exam Day
What to Bring:
- Two forms of valid ID (one with photo and signature)
- Acceptable: Driver's license, passport, military ID
- Testing center provides calculator (no personal calculators)
Testing Rules:
- No cell phones or electronic devices
- No personal items at testing station
- Breaks count against time limit
- Results provided immediately
Background Check Requirements
Florida requires electronic fingerprinting for all license applicants:
Fingerprinting Process
- Vendor: Fieldprint Inc. or MorphoTrust
- Timing: Must complete before license is issued
- Cost: Approximately $50-60
- Results: Submitted electronically to FDLE and FBI
Disqualifying Factors
DFS considers criminal history when evaluating applications:
- Felonies involving moral turpitude
- Crimes related to financial services
- Fraud or dishonesty
- Recent convictions (within 7 years considered more heavily)
Note: A criminal record does not automatically disqualify an applicant. DFS considers the nature of the offense, time elapsed, and rehabilitation.
License Application
After passing the exam:
Application Steps
- Submit application online through MyProfile at MyFloridaCFO.com
- Pay license fee ($55 for 2-15 license)
- Complete fingerprinting if not already done
- Await approval (typically 5-10 business days if no issues)
License Types and Authority
| License Type | Code | What You Can Sell |
|---|---|---|
| Life Including Annuities | 2-14 | Life insurance and annuities |
| Health | 2-40 | Health, disability, LTC insurance |
| Life, Health & Annuities | 2-15 | All life and health products |
| Variable Annuity | 2-14 + 6-15 | Variable annuities (requires FINRA) |
Appointments
After receiving your license:
- Must be appointed by each insurer you represent
- Insurer files appointment with DFS
- Appointment fee: $6 per insurer
- Cannot transact business until appointment is filed
License Periods
Florida uses a biennial licensing system:
Initial License
- Valid for remainder of current biennium
- PLUS the next full 24-month period
- Maximum initial term: nearly 4 years
Renewal Cycle
- All licenses expire in even-numbered years
- Birth month determines specific expiration
- Renewals due every 2 years thereafter
How many hours of pre-license education does Florida require for a 2-15 Life, Health & Annuities license?
What is the passing score for the Florida 2-15 Life, Health & Annuities exam?
Who administers insurance licensing exams in Florida?