Your Guide to a Florida Insurance Career: Licensing Made Simple

Thinking about starting your insurance career in Florida or adding a new license? You’re in the perfect place. Florida offers dynamic opportunities for agents—make sure you’re prepared with the proper, state-approved credentials.

Why Licensing Matters

• Serve clients with confidence and professionalism
• Partner with agencies or work independently
• Offer comprehensive protection and financial products
• Unlock growth in a thriving industry

Florida enforces strict legal and ethical standards for insurance professionals—proper licensing protects your career, reputation, and clients.

Which License Fits You?

• Life Insurance: Help clients with life policies, annuities, and more.
• Health Insurance: Guide individuals and companies with medical insurance solutions.
• Property & Casualty (P&C): Safeguard homes, autos, and commercial interests.
• Adjuster: Investigate and resolve insurance claims professionally.

Each license type requires specific study and exams—choose the one that matches your goals and career path.

Step-by-Step Licensing Process

1. Confirm Eligibility: You must be at least 18, legally reside in Florida, and pass a background check.
2. Complete State-Approved Coursework: Trusted providers like OLT guide you through every topic, from ethics to real-world scenarios. Life, Health, & Annuities—40 hours; Life only—30 hours; P&C—40–200 hours; Adjuster—varies.
3. Submit Application: Create an account on the FLDFS portal, upload your documents, and plan ahead for fingerprinting.
4. Pass Your Exam: State exams test your understanding and readiness. OLT’s prep tools and practice exams help you succeed. (Certain designation courses may waive the state exam.)
5. Get Licensed and Launch: The state will notify you electronically. Print your license and start making a difference.

Keep Your License Active

• Complete continuing education requirements every two years
• Renew on time and keep compliance records organized
• Stay updated on policy changes and regulations

Common Challenges & Expert Solutions

• Fingerprinting delays? Schedule appointments early and double-check your info.
• Exam stress? Use OLT practice tests and reach out to instructors for guidance.
• License selection confusion? Contact FLDFS or OLT for tailored support.

Tips for Mastering the Process

• Begin coursework early—pace yourself for retention
• Use state and provider resources for up-to-date info
• Keep digital and hard copies of all documents
• Take practice tests to boost confidence
• Read your email for exam updates and licensing alerts

Ready to Start?

Thousands of agents have launched rewarding careers by following these steps and using OLT’s proven resources. Our state-approved courses, experienced instructors, and exam prep tools have made us Florida’s trusted choice for insurance licensing.

Get started today with OnLine Training’s pre-licensing catalog and let us help you thrive in Florida’s insurance marketplace.