Steps to get your Florida Insurance License:
Jump down to a description of different insurance licenses
To become a licensed insurance agent in Florida, applicants must meet requirements set by the Florida Department of Financial Services (DFS). You must be at least 18 years old, a U.S. citizen or legal resident, and hold a high school diploma or equivalent. Each license, such as Life (2-14), Health (2-40), or General Lines (2-20), requires completing a state-approved pre-licensing course. These courses prepare you with the knowledge of Florida insurance law, ethics, and policy fundamentals needed to pass the state exam.
After completing a pre-licensing course, you must apply through the MyProfile portal on the DFS website, complete fingerprinting, and pass the state exam administered by Pearson VUE. Once all steps are approved, you will receive your license and may legally sell insurance in Florida. Continuing education is required to keep your license active.
Pre-Licensing or
Designation Course
State Exam
(waived with Designation course)
Fingerprinting &
Background check
Apply for License
Get appointed and work
Overall expected timeline:
- Fast track: If you finish the 30 to 60-hour course in 1-2 weeks, take the exam within a few days, and submit your application and fingerprints immediately, you can often have your insurance license issued in roughly 3–4 weeks from the day you start the course.
- More typical: Allow 4–6 weeks total (8-12 weeks for a 2-20 course) to complete the course, pass the exam, get fingerprints done, and wait for state approval, especially if you study part‑time or there are any application questions to resolve. Once approved, you can log into MyProfile and print your license letter or wallet card right away instead of waiting for anything by mail.
Find the Right Florida Insurance License for You
License, course, and income potential
Property and Casualty Licenses
Property & Casualty (4-40)
Goal: Sell property and casualty insurance under supervision.
4-40 Customer Representative (60 hrs)
Designation course – complete online and skip the state exam.
Starting Wage: $32k–$38k
Average Wage: $46k–$53k
Personal Lines (20-44)
Goal: Sell personal lines (auto, renters, homeowners) but not commercial.
20-44 Personal Lines Agent (60 hrs)
Complete the online pre-licensing course, then pass the state exam.
Starting Wage: $34k–$40k
Average Wage: $52k–$60k
General Lines (2-20)
Goal: Sell all property, casualty, and commercial insurance lines.
2-20 General Lines Agent (200 hrs)
Complete the online pre-licensing course, then pass the state exam.
Starting Wage: $38k–$45k
Average Wage: $62k–$75k
Life and Health Licenses
Life (2-14)
Goal: Sell life insurance and annuity products.
2-14 Life Agent (40 hrs)
Complete the online pre-licensing course, then pass the state exam.
Starting Wage: $35k–$42k
Average Wage: $58k–$70k
Health (2-40)
Goal: Sell health and disability insurance.
2-40 Health Agent (40 hrs)
Complete the online pre-licensing course, then pass the state exam.
Starting Wage: $37k–$45k
Average Wage: $59k–$68k
Life & Health (2-15)
Goal: Sell both life and health insurance.
2-15 Life, Health & Variable Annuities (60 hrs)
Complete the online pre-licensing course, then pass the state exam.
Starting Wage: $40k–$48k
Average Wage: $65k–$78k
Adjuster and Management Roles
All-Lines Accredited Claims Adjuster (6-20)
Goal: Investigate and settle property or casualty claims. This is the first step toward your 3-20 Public Adjuster license
6-20 All-Lines Adjuster (40 hrs)
Designation course – complete online and skip the state exam.
Starting Wage: $42k–$50k
Average Wage: $60k–$75k
Management / Supervisory
Goal: Operate an agency or supervise licensed representatives.
The 2-20 license is required to manage or own an insurance agency.
2-20 General Lines Agent (200 hrs) or
2-20 Conversion Course (40 hrs) (upgrade your 4-40, 20-44, or 0-55 license to a full General Lines - see course for rules)
Complete the online pre-licensing course, then pass the state exam.
Starting Wage: $55k–$70k
Average Wage: $85k–$105k