The Florida 2-15 Health & Life (Including Annuities & Variable Contracts) license opens the door to a wide range of insurance and financial services careers that help families and businesses protect their health, income, and long‑term security.
This guide explains what the license is used for, the kinds of jobs you can pursue, and the official steps to earn your license—starting with your required pre‑licensing course through OnLine Training (OLT).
The 2-15 license authorizes you to act as a resident Health & Life (Including Annuities & Variable Contracts) agent in Florida, so you can solicit, sell, and service life insurance, health insurance, and annuity products for approved insurers.
The Florida Department of Financial Services (DFS) describes each license type by its everyday use, applicable statutes, steps to obtain a license, and education and continuing‑education requirements.
Because the 2-15 is a major-lines license covering both life and health, employers across Florida actively seek agents who hold it.
Job listings on major job boards (such as Indeed) show openings for “215 Licensed Insurance Agent,” “Licensed Health Insurance Agent,” “Medicare Agent,” and similar roles in cities across the state.
Many employers offer additional training, leads, and support systems to help newly licensed agents ramp up and begin producing quickly.
Licensed 2-15 agents work in diverse settings: local independent agencies, regional and national insurance carriers, call centers, health‑plan organizations, and financial‑services firms. Job postings show a mix of full‑time, part‑time, on‑site, and remote positions, often with performance‑based compensation and the potential for high earnings as you build your book of business.
DFS also notes that agents may serve in agency leadership roles, such as agent‑in‑charge, when they hold appropriate major-line licenses (including 2-15) and are properly appointed.
DFS publishes an official step list for the 2-15 Resident Health & Life (Including Annuities & Variable Contracts) Agent license, outlining eligibility and the sequence from education through licensing.
This information is current as of Dec. 1 2025. Always verify current details on the DFS site before you begin, because rules, fees, and procedures can change.
According to DFS license‑qualification guidance, applicants for resident insurance licenses must be at least 18 years old and meet lawful residency requirements.
DFS also requires that applicants be in good standing regarding background and character, which is verified through fingerprinting and a records review.
DFS requires completion of an approved pre‑licensing education course (or a qualifying exemption) before licensing; for the 2-15 license, this is a 60‑hour state‑approved course.
OnLine Training Institute (OLT) provides this requirement online through its Florida Health and Life (Including Annuities & Variable Contracts) 2-15 pre‑licensing course. You can enroll and complete the course on OLT’s learning platform, oltschool.com.
To receive credit for your pre‑licensing education, you must successfully complete all required lessons and pass the final exam within the course with a minimum score of 70%.
After you pass, OLT issues a certificate of completion and, as an approved provider, reports completion according to DFS requirements so that you are eligible to move on to the state exam and application.
A student should know that the 2‑15 pre‑licensing course completion certificate is valid for four years from the date of completion, the passing score on the state licensing exam is valid for one year, and the state limits candidates to five exam attempts for the same exam type within any rolling 12‑month period, while exam scores are generally valid for 12 months to allow more than enough time to complete the license application process.
The 2-15 exam evaluates your knowledge of life and health insurance concepts, annuities, Florida statutes, and ethical and practical considerations for agents.
DFS’s Division of Insurance Agent and Agency Services requires electronic fingerprinting and an online license application submitted through the MyProfile system.
MyProfile is the DFS online portal where you apply for licenses, check status, print licenses, and manage compliance.
When DFS finishes its review and approves your application, your 2-15 license will appear in MyProfile and you can print a copy and verify your status.
Once licensed, you can begin applying to employers that specifically request a Florida 2-15 license, often listed as “215 license” or “Life, Health & Annuity license” in job postings.
You will see opportunities in areas such as inbound and outbound sales, Medicare and ACA enrollment, employee benefits, and broader financial‑services positions that integrate life and annuity products.
Starting with a structured, approved pre‑licensing course through OnLine Training prepares you to meet DFS requirements, pass the state exam, and step confidently into a field where your 2-15 license can support a long‑term, growth‑oriented career.
Focus on mastering core products (life, health, Medicare, disability, annuities) and becoming a top producer in your current role; this is what most employers use for promotions and better contracts.
Learn advanced planning topics like retirement income, Medicare strategies, and small-business benefits, and pursue industry designations such as LUTCF, CLU, or CFP to stand out for advisory and leadership roles; then, leverage your expertise to apply for higher-level positions (such as financial advisor, benefits consultant, or agency producer) that require a 2‑15 license at carriers, agencies, or financial institutions, while also shifting into more profitable markets—including advanced life insurance, retirement and annuity business, or group benefits for businesses—which support long-term client relationships and higher income potential.
Keep adding additional credentials or licenses, such as securities registrations, to expand into broader financial advisory work while keeping the 2‑15 as the foundation for insurance services, and consider adding related licenses like the 2‑20 General Lines license (property and casualty) via an approved pre‑licensing or 40‑hour conversion course to become more of a “one‑stop” advisor and qualify for more roles.
