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Florida Insurance License Requirements

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State Licensing Information
Mailing
Bureau of Licensing
200 East Gaines St.
Tallahassee, FL 32399-0319
(850) 413-3137
Licensing Helpline: 1-850-413-3137
E-mail: General Inquiries - Agents, Adjusters and Agencies at AgentLicensing@MyFloridaCFO.com

Florida Candidate Handbook provides additional information regarding the examination procedures.


Licensing Qualifications


2-14 Life including Variable Annuity Insurance
Application Qualifications:
Complete an online application for License and submit appropriate fees. Apply for license
Be a natural person at least 18 years of age.
Be a resident of the state of Florida.
Be a United States citizen or legal alien who possesses a work authorization from the United States Immigration and Naturalization Services.
Not be an employee of the United States Department of Veterans Affairs or state service office, as referred to in Section 626.833, Florida Statutes.
Be fingerprinted at one of the Department's fingerprint sites. Fingerprint locations and additional information
If licensed in another state within three years, provide a Letter of Clearance.

State Examination Qualifications
*Must be completed within four years of application date

  • Successfully completed a 40 hour approved insurance course for life, health and variable annuity insurance.  Must be completed within four years of application date. [Click here to find a course] [Requires State Examination]
    OR
  • Successfully completed at least 3 semester hours of life, health including variable annuity insurance course from an accredited college or university [an official transcript required]. [Requires State Examination]
    OR
  • Obtain and submit a Letter of Clearance indicating you held the equivalent line of authority license for at least one (1) year in your previous home state and apply for a Florida life, health and variable annuity license within 90 days of requesting the Letter of Clearance [Transfer of License] [Exempt from State Examination]
    OR
  • Have an original letter from the American College of Life Underwriters certifying the licensee was awarded the Chartered Life Underwriters (CLU) designation. [Exempt from State Examination]


2-15 Life, Health and Variable Annuity Insurance
Application Qualifications:
Complete an online application for License and submit appropriate fees. Apply for license
Be a natural person at least 18 years of age.
Be a resident of the state of Florida.
Be a United States citizen or legal alien who possesses a work authorization from the United States Immigration and Naturalization Services.
Not be an employee of the United States Department of Veterans Affairs or state service office, as referred to in Section 626.833, Florida Statutes.
Be fingerprinted at one of the Department's fingerprint sites. Fingerprint locations and additional information.
If licensed in another state within three years, provide a Letter of Clearance.

State Examination Qualifications
*Must be completed within the last four years

  • Successfully completed a 40 hour approved insurance course for life, health and variable annuity insurance.  Must be completed within four years of application date. [Click here to find a course] [Requires State Examination]
    OR
  • Successfully completed at least 3 semester hours of life, health including variable annuity insurance course from an accredited college or university [an official transcript required]. [Requires State Examination]
    OR
  • Obtain and submit a Letter of Clearance indicating you held the equivalent line of authority license for at least one (1) year in your previous home state and apply for a Florida life, health and variable annuity license within 90 days of requesting the Letter of Clearance [Transfer of License] [Exempt from State Examination]
    OR
  • Have an original letter from the American College of Life Underwriters certifying the licensee was awarded the Chartered Life Underwriters (CLU) designation. [Exempt from State Examination]


2-40 Health Insurance
Application Qualifications:
Complete an online application for License and submit appropriate fees. Apply for license
Be a natural person at least 18 years of age.
Be a resident of the state of Florida.
Be a United States citizen or legal alien who possesses a work authorization from the United States Immigration and Naturalization Services.
Not be an employee of the United States Department of Veterans Affairs or state service office, as referred to in Section 626.833, Florida Statutes.
Be fingerprinted at one of the Department's fingerprint sites. Fingerprint locations and additional information
If licensed in another state within three years, provide a Letter of Clearance.

State Examination Qualifications:
*Must be completed within four years of application date

  • Successfully completed a 40 hour approved insurance course for life, health and variable annuity insurance.  Must be completed within four years of application date. [Click here to find a course] [Requires State Examination]
    OR
  • Successfully completed at least 3 semester hours of life, health including variable annuity insurance course from an accredited college or university [an official transcript required]. [Requires State Examination]
    OR
  • Obtain and submit a Letter of Clearance indicating you held the equivalent line of authority license for at least one (1) year in your previous home state and apply for a Florida life, health and variable annuity license within 90 days of requesting the Letter of Clearance [Transfer of License] [Exempt from State Examination]
    OR
  • Have an original letter from the American College of Life Underwriters certifying the licensee was awarded the Chartered Life Underwriters (CLU) designation. [Exempt from State Examination]



Fees for obtaining a license

License Application$50.00
Title Agent/Agency$10.00
Fingerprint - Paid to the fingerprinting vendor$58.25
State Exam$56.00
License I.D.$5.00

Appointments

Residents:$60.00
Non-residents:$60.00

* Additional per/county $6.00 fee must be paid for every county in which a non-resident agent intends to physically transact insurance. *Non-resident Adjusters don't pay a county fee.


Fingerprinting Requirement

For Florida residents: Fingerprints must be taken by LiveScan method at one of the Department's fingerprint sites. Click here for a list of sites.

For non-resident agents: Fingerprint cards with instructions will be mailed to the applicant when the application is received by the Bureau of Licensing. Fingerprint payments must be made online at L-1's web site or by calling 888-717-5699.

Note: Criminal history checks are valid for one (1) YEAR. This means that if an applicant applies for an additional class of insurance license during this one (1) year period, he/she will NOT be required to file another fingerprint card unless specifically requested to by the Department.


Securities License Requirements

Any securities professional associated with a member firm-including partners, officers, directors, branch managers, department supervisors, and salespersons-must register with the Financial Industry Regulatory Authority (FINRA). The registration application requires information about the individual's prior employment and disciplinary history. FINRA prescribes two levels of qualification and registration:

  • Registered representatives, generally sales personnel
  • Principals, generally officers of the firm and other management personnel involved in the day-to-day operation of the firm's investment banking or securities business

As part of the registration process, securities professionals must pass examinations administered by FINRA to demonstrate competence in the areas in which they will work. These mandatory qualification examinations cover a broad range of subjects on the markets, as well as the securities industry and its regulatory structure, ensuring a minimum level of understanding and expertise. For additional information, you should consult with your broker-dealer management team. You may also visit FINRA's website for detailed information.

Securities License Requirements

Any securities professional associated with a member firm-including partners, officers, directors, branch managers, department supervisors, and salespersons-must register with the Financial Industry Regulatory Authority (FINRA). The registration application requires information about the individual's prior employment and disciplinary history. FINRA prescribes two levels of qualification and registration:

  •  Registered representatives, generally sales personnel
  • Principals, generally officers of the firm and other management personnel involved in the day-to-day operation of the firm's investment banking or securities business

As part of the registration process, securities professionals must pass examinations administered by FINRA to demonstrate competence in the areas in which they will work. These mandatory qualification examinations cover a broad range of subjects on the markets, as well as the securities industry and its regulatory structure, ensuring a minimum level of understanding and expertise. For additional information, you should consult with your broker-dealer management team. You may also visit FINRA's website for detailed information.





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