This page will help you quickly understand the Florida 2-15, 2-14, and 2-40 insurance agent licenses, what each one lets you sell, typical pay ranges, how to get licensed, and which license is best for your goals.

All pre-licensing courses discussed here are state-approved and offered by OnLine Training, Inc. (FLDFS Provider #366468) to help you pass your Florida insurance exam on the first attempt.

1. Choose the right license: Decide whether 2‑14 (Life Only), 2‑40 (Health Only), or 2‑15 (Life & Health) best matches the products you want to sell.
2. Complete your state‑approved online course: Take the required 30‑, 40‑, or 60‑hour OLT pre‑licensing course 100% online, at your own pace.
3. Pass the exam and apply: Pass the Florida state exam, complete fingerprints and background checks, and submit your license application through DFS MyProfile.

What You Can Do With Each License

“Best for you if…” summary

• 2-15 (Health & Life): Best for the most career options and long-term earning potential. Great if you want to cross-sell life, Medicare, group benefits, and annuities.
• 2-14 (Life Only): Best if you know you only want life and annuities (final expense, mortgage protection, retirement income, etc.) and do not plan to work with health or Medicare.
• 2-40 (Health Only): Best if you only want to work with health, ACA/Marketplace, group benefits, or Medicare products without selling life insurance.

Base Wages and Likely Commissions

2-15 (Health & Life): Base salary for new agents usually ranges from about $30,000–$45,000. With commissions, agents often earn roughly $40,000–$80,000 total in their first years. Experienced agents or top sellers (Medicare, life, or group benefits) can reach $75,000–$120,000+.

2-14 (Life Only): Common pay is heavily commission-based. Early-career agents may earn around $35,000–$65,000, while skilled producers or those building an advanced market book can grow to $80,000–$150,000+ over time.

2-40 (Health Only): Many jobs pay roughly $18–$26 per hour or $38,000–$55,000 per year salary, plus per-policy commissions (especially on Medicare/ACA plans). High-volume producers can reach about $60,000–$90,000+ with renewals.

How to Get Each License (The Licensing Path)

For all three licenses (2‑15, 2‑14, and 2‑40), the basic steps look like this:

• Be at least 18, a legal Florida resident, and pass a background check.
• Complete the required state‑approved pre-licensing education:
  • 2‑15: 60‑hour Life, Health & Variable Annuity course.
  • 2‑14: 30‑hour Life & Variable Annuity course.
  • 2‑40: 40‑hour Health Insurance Agent course.
• Pass your course exam (usually requires 70% or higher).
• Register and pass the Florida state licensing exam (through Pearson VUE).
• Get fingerprinted and submit your license application through DFS MyProfile, including all required fees and documents.

OnLine Training’s state‑approved online courses are designed specifically to prepare you for the Florida exam with structured content, practice questions, and instructor support.

Career Paths and Advancement

After Licensing (Years 0–2)

• Work as an entry-level insurance agent in a call center, local agency, or insurance company.
• With a 2‑15 license: Handle both life and health products and cross-sell Medicare or annuities for higher pay.
• With a 2‑14 license: Focus on life, final expense, or retirement-related insurance sales.
• With a 2‑40 license: Focus on major medical, group, or Medicare plans.

With Experience (Years 2–5)

• Grow your client list to increase commissions and renewals.
• 2‑15: Move to higher-paying shops or brokerages, or specialize in Medicare, group benefits, or broader financial services (with additional licenses).
• 2‑14: Move into advanced life/annuity planning, business-owner solutions, or add the 2‑40 license for health options.
• 2‑40: Focus on group health, become a Medicare lead producer, or cross-license with 2‑14 for more opportunities.

Long Term (5+ Years)

• Consider management roles (agency building, training, leadership), financial advising (with required securities licenses), or independent agency ownership.
• Top agents and managers can often reach $100,000–$200,000 or more, depending on production and agency size.

Which License Should You Choose?

2-15 (Health & Life): Choose this if you want the broadest career options and long-term earning potential, and you like the idea of working with both life and health products.

2-14 (Life Only): Choose this if you know you only want life insurance and annuities, and do not plan to work in health insurance or Medicare.

2-40 (Health Only): Choose this if you only want to work with health, Medicare, and benefits plans.

You can always add another Florida license later as your interests and career goals change. The important part is to start with the license that best matches the products and clients you want to focus on right now.

Next step: Pick your course and get started

Once you know which license is right for you, enroll in the matching OLT pre-licensing course, complete your hours online, and then schedule your Florida exam. Your new insurance career can be only a few weeks away.

Still have questions? Call or CONTACT US all questions answered within 1 business day (if not sooner).