Florida Insurance License: 20 Common Questions and Answers

These answers are for students and adults who want to understand how to become a licensed insurance agent in Florida, without confusing legal terms.

1. What do I need to get an insurance license in Florida?

You should be at least 18 years old, finish a pre-licensing course, give fingerprints for a background check, pay all fees, and pass the state exam. Then, apply online and get approved by the Florida Department of Financial Services. You also need to get “appointed” by an insurer before selling insurance.

2. Which license should I get?

The license depends on what kind of insurance you want to sell, such as life, health, property, or car insurance. There are special licenses for different types. Check the “License Qualifications” page linked from the FAQ for more info.

3. Do I have to live in Florida?

Yes, you need to live in Florida to get a resident license. If you’re from another state, you can apply for a non-resident license if you already have a license where you live.

4. How many class hours do I need?

The number of hours depends on the license type you want. Life insurance is about 30 hours, health is 40, and general lines like property are 200 hours. Check your course to make sure it’s approved by the state.

5. Can I skip the class?

You might not need the class if you have certain insurance certificates or are a veteran. You must send proof to the licensing office and get approval.

6. How much does it cost?

It costs a few hundred dollars for everything: class, exam, fingerprinting, and the application fee. You can pay with a credit card and there might be small extra fees for using it.

7. How do I take the test?

You schedule your test after you’re approved. The exam is on a computer at a test center or online. You need an ID to take the test. If you pass, you get your results right away.

8. What score do I need?

You need to score at least 70% on most insurance exams to pass. The score might be different for special types, so double check for your license.

9. How should I study?

Complete your pre-licensing class, review insurance laws, and take practice quizzes. Approved schools and teachers can help.

10. How long does it take?

Most people finish in a few weeks to a few months, depending on how quickly they complete class, fingerprinting, and the test. Processing usually takes 1-2 weeks after submitting everything.

11. What happens if I fail?

If you fail, you can try again, but you must pay to retake the test. You can only take it up to 5 times in any 12 months.

12. What about fingerprints and background checks?

Everyone needs new fingerprints unless you did them for this department in the last 12 months. Checks are used to see if you have any criminal history.

13. Can I have a license with a criminal record?

Some crimes may stop you from getting a license, especially serious ones, but each case is checked individually. Veterans and people with certain backgrounds should send extra documents for review.

14. Does Florida accept other states’ licenses?

Yes, if you were already licensed in another state, you may be able to get a non-resident Florida license. You still need to apply and meet all Florida rules.

15. Can I get a Florida license if I live elsewhere?

Yes, non-residents can apply for a special non-resident license and do business in Florida if they’re already licensed in another state and meet Florida rules.

16. What do I do to keep my license?

You must complete continuing education classes (usually 24 hours every two years) and renew your license when it’s due. You can check your status online in your MyProfile account.

17. How do I renew my license?

Renew your license every two years online. Do your education first, or your license may expire and you might have to pay extra and do more to get back in good standing.

18. When can I start selling insurance?

You must have your license and be “appointed” (hired) by an insurer to be allowed to help people. You can’t advertise or sell insurance without both.

19. What is the difference between an agent and agency license?

An agent license is for individuals who sell insurance. An agency license is for businesses that hire agents. The agency must name an agent-in-charge.

20. How can I check my license status?

You can log in to your MyProfile account on the Florida Department of Financial Services website. There, you can see if your license is active or check your application status.