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Florida Insurance Licensing State Requirements

On this page, you will find all of the state-specific information for Insurance Licensing in the state of Florida. This information pertains to resident license applicants. For additional information for resident licensing, or for non-resident license information, please refer to the Florida Department of Financial Services website at http://www.myfloridacfo.com. Information is subject to change, and we will do our very best to make the process of completing your licensing education requirements as simple as possible.


Florida Department of Financial Services

Division of Agent and Agency Services—Bureau of Licensing
200 East Gaines Street
Tallahassee, FL 32399-0319
Phone: 850-413-3137
Fax: 850-413-3291


    How to Get Your Florida Insurance License

    1. Complete an Insurance Prelicensing Course

    Florida requires those seeking an insurance license to complete prelicensing before taking the state licensing exam. Prelicensing courses with Kaplan give you the best chance to pass—our pass rates are among the highest in the industry. 

    Prelicensing Education Hour Requirements

    • Life (including Annuities & Variable Contracts): 40 Hours
    • Health: 40 Hours
    • Health & Life (including Annuities & Variable Contracts): 60 Hours
    • General Lines (Property & Casualty): 200 Hours
    • Personal Lines: 60 Hours
    The hours stated above include three (3) hours on the subject of Ethics.

    The Florida Health & Life (Including Annuities & Variable Contracts) Study Manual is published under contract with the Florida Department of Financial Services by NAIFA-Florida for the Florida Life, Health, and Variable Contracts Pre-Licensing (60-hour) course. It is a requirement that you purchase this Manual. This manual is not included in your online course.

    Click on the following link to order the required Florida Health & Life (Including Annuities & Variable Contracts) Study Manual: https://naifa-florida.org/study-manuals/

    The Florida General Lines, Adjuster and Industrial Fire Manual is published under contract with the Florida Department of Financial Services by the Florida Association of Insurance Agents Personal Lines Agent Course. It is a requirement that you purchase this manual. This manual is not included in your online course.

    Click on the following link to order the required Florida General Lines, Adjuster, and Industrial Fire Manual: https://www.faia.com/manuals

    Acceptable Methods of Education

    • Classroom
    • Online
    • Self-study (Proctor requirements explained in “Online Course Requirements” below)

    Online Course Requirements

    • Forced progression: This requires the user to successfully complete each page of the online course before being allowed to proceed to the next.
    • Proctor: For correspondence self-study (i.e., textbook) courses only, in order for a certificate of completion to be earned and issued, the certification exam must be monitored by a disinterested third party (someone other than a relative, friend, or business associate).

    Note: Online courses are not classified as correspondence self-study courses.

    Prelicensing Education Exemptions

    Health & Life (including Annuities & Variable Contracts) applicants who have been designated as a CLU® and have been engaged in the insurance business within the past four years. Applicant must provide an original letter from the American College of Life Underwriters certifying this fact.

    General Lines (Property & Casualty) and Personal Lines applicants who have been designated as a CPCU® and have been engaged in the insurance business within the past four years. Applicant must provide an original letter from the American Institute for Property and Liability Underwriters certifying this fact.

    Adjuster Licensing Requirements

    The Certified All-Lines Adjuster (CALA) designation is offered by Kaplan pursuant to the authority of Florida Statute §626.221 and with the approval of the Florida Department of Financial Services (DFS). Completion of the CALA designation course allows a prospective licensee to receive their 6-20 Resident All-Lines Adjuster, 7-20 Non-Resident All-Lines Adjuster, or 70-20 Non-Resident Designated Home State Adjuster license without taking the Florida state licensing exam. 

    How to get an All-Lines Adjuster license in Florida

    Select the link below to see the requirements for obtaining a Florida Adjuster license.


    Completion Reporting
    Kaplan will automatically report your completion of the Certified All-Lines Adjuster (CALA) designation to the Florida DFS in 5-7 business days. An online PDF Certificate of Completion is also available to download and print immediately after the final exam is passed. 


    2. Pass Your Florida Licensing Exam

    After completing your required prelicensing/exam prep course, you must pass a state licensing exam. Kaplan’s prelicensing content is based directly on the Florida licensing exams, so you will be prepared to pass the first time. 

    Certificate of Completion Requirements

    Applicants should retain original certificate for their records.

    Exam Provider: Pearson VUE

    Florida applicants can now register to take their licensing examinations remotely via Pearson VUE's OnVUE online proctored exam. Please visit the following page for more information - https://home.pearsonvue.com/fl/insurance/onvue.

    A license can only be issued to an applicant who not only earned a passing score but has also completed the application for licensure and has been approved, has paid both the application fee and the license fee, and has submitted fingerprints.

    Pearson VUE handles the entire examination process, including the examination fees. The cost of an examination is $42 per exam. Applicants do not need to apply with the Florida Department of Insurance and become authorized before taking the exam, except bail bond applicants. All applicants, including bail bond applicants, will schedule and pay for their examination on Pearson VUE’s website. Effective October 1, 2012, a new Florida law established a limit of five (5) exam attempts for the same exam type during a twelve-month period. Individuals who have reached the five exam limit are not permitted to sit for their next exam attempt until the one-year time window only contains four exams. 

    NOTE: A passing score is valid for one (1) year from the date that the score was earned. If you fail to complete the licensing processing within the one (1) year timeframe, you will be required to retake and pass the examination.

    Frequently Asked Questions About the Florida Licensing Exam

    After completing my prelicensing, how should I prepare for exam day?

    Candidates should report to the test center thirty (30) minutes before the examination and check in with the test center administrator. The candidate’s identification and other documentation will be reviewed and they will be photographed for the score report. 
    Candidates are required to review and sign a Candidate Rules Agreement form. If the Candidate Rules Agreement is not followed and/or cheating or tampering with the examination is suspected, the incident will be reported as such and the appropriate action will be taken. The examination fee will not be refunded, the exam may be determined invalid, and/or the state may take further action such as prohibiting candidates from retaking the examination and/or denying a license. 

    Candidates will have an opportunity to take a tutorial on the PC on which the examination will be administered. The time spent on this tutorial will not reduce the examination time. The examination administrators will answer questions, but candidates should be aware that the administrators are not familiar with the content of the examinations or with the state’s licensing requirements. State of Florida Insurance Examination administrators have been instructed not to advise candidates on requirements for licensure. Candidates are responsible for determining which examinations they need to take. Once candidates are familiar with the examination unit, they may begin the examination. The examination begins the moment a candidate looks at the first question. Candidates will have sufficient time to complete the examination. 

    Please refer to the back cover for the specific time allowed for your examination. After the examination time has expired, the examination unit will automatically turn off. 

    Candidate must present one (1) form of current unexpired signature identification. The name on the identification must exactly match the name on the registration. The identification must be in English, government issued, photo-bearing with a valid signature. 

    Primary ID (photograph and signature, not expired)

    • Government-issued Driver’s License 
    • U.S. Dept. of State Driver’s License 
    • U.S. Learner’s Permit (plastic card only with photo and signature) 
    • National/State/Country Identification Card 
    • Passport 
    • Passport Cards 
    • Military ID 
    • Military ID for spouses and dependents 
    • Alien Registration Card (Green Card, Permanent Resident Visa) 
    Note: If the ID presented has an embedded signature that is not visible (microchip), or is difficult or impossible to read, the candidate must present another form of identification from the Primary ID list that contains a visible signature. Pearson VUE does not recognize grace periods. For example, if a candidate’s driver’s license expired yesterday and the state allows a 30-day grace period for renewing the ID, the ID is considered to be expired.

    Other items to note for exam day:

    • Studying is not allowed in the test center. 
    • Visitors, children, family or friends are not allowed in the test center. 
    • No personal items are allowed in the testing room. Personal items include but are not limited to: cellular phones, hand-held computers/personal digital assistants (PDAs) or other electronic devices, pagers, watches, wallets, purses, firearms or other weapons, hats, bags, coats, books, and/or notes, pens or pencils. 
    • Candidates must store all personal items in a secure area as indicated by the administrator, or return items to their vehicle. All electronic devices must be turned off before storing them in a locker. The test center is not responsible for lost, stolen, or misplaced personal items. 
    • The exams do not require a calculator, but candidates may request a calculator from the test center staff if they wish. Personal calculators will not be permitted in the test center.  
    • Dictionaries, books, papers (including scratch paper), and reference materials are not permitted in the examination room (unless permitted by the exam sponsor), and candidates are strongly urged not to bring such materials to the test center. Upon entering and being seated in the testing room, the test administrator will provide the candidate with materials to make notes or calculations and any other items specified by the exam sponsor. The candidate may not write on these items before the exam begins or remove these items from the testing room. 
    • Eating, drinking, chewing gum, smoking, and/or making noise that creates a disturbance for other candidates is prohibited during the exam. 
    • Break policies are established by the exam sponsor. Most sponsors allow unscheduled breaks. To request an unscheduled break, the candidate must raise their hand to get the administrator’s attention. The exam clock will not stop while the candidate is taking a break. 
    • Candidates must leave the testing room for all breaks. However, candidates are not permitted to leave the floor or building for any reason during this time, unless specified by the administrator and the exam sponsor. If a candidate is discovered to have left the floor or building they will not be permitted to proceed with the examination and may forfeit the exam fees. 
    • While taking a break, candidates are permitted to access personal items that are being stored during the exam only if necessary— for example, personal medication that must be taken at a specific time. However, a candidate must receive permission from the administrator prior to accessing personal items that have been stored. Candidates are not allowed access to other items, including but not limited to, cellular phones, PDAs, exam notes, and study guides, unless the exam sponsor specifically permits this. 
    • Any candidate discovered causing a disturbance of any kind or engaging in any kind of misconduct—giving or receiving help; using notes, books, or other aids; taking part in an act of impersonation; or removing examination materials or notes from the examination room—will be summarily dismissed from the examination and will be reported to the state licensing agency. Decisions regarding disciplinary measures are the responsibility of the state licensing agency.

    What is the exam like? 

    The examination will contain pretest questions. Pretest questions are questions on which statistical information is being collected for use in constructing future examinations. Responses to pretest questions do not affect the score. Pretest questions are mixed in with the scored questions and are not identified.

    How is the exam scored?

    The passing score for all examinations is 70%. This score is computed by dividing the number of questions answered correctly by the total number of examination questions.

    When candidates complete the examination, they will receive a photo-bearing score report marked “pass” or “fail”. Candidates who pass the examination will receive a score report that includes a numeric score and diagnostic information relating to the examination. Candidates who fail the examination will receive a score report that includes a numeric score and diagnostic information relating to the examination, as well as information about reexamination.

    Candidates who fail the examination and wish to retake it must reapply by visiting www.pearsonvue.com/FL/insurance and must pay another fee. Fees for re-examination are non-refundable and non-transferable. There is a limit of five (5) examination attempts for the same examination type during twelve (12) month period.

    How long is the exam? 

    Exam SeriesLicense LineExam TimeTotal Questions
    InsFL-ALJ16FLA All Lines Adjuster (0620, (0720)2 Hours100 Score, 10 Pretest
    InsFL-PubAdj20FLA Public All Lines Adjuster (0320, 7320)2 Hours
    100 Scored, 10 Pretest
    12-FL-LSAFL Bail Bond/Limited Surety1 Hour60 Scored, 5 Pretest
    InsFL-PC06FLA General Lines Agent (0220)3 Hours160 Scored, 15 Pretest
    InsFL-Health02FLA Health Agent (0240)2 Hours85 Scored, 15 Pretest
    InsFL-LHA05FLA Health and Life and Annuity (incl. Var. Contracts) Agent (0215)2 Hours 45 Minutes150 Scored, 15 Pretest
    InsFL-Life01FLA Life and Annuity (incl. Variable Contracts) (0214)2 Hours85 Scored, 15 Pretest
    InsFL-Pers55FLA Personal Lines Agent (2044)1 Hour40 Scored, 10 Pretest
    InsFL-Surplus82FLA Surplus LInes Agent (0120, 9120)1 Hour40 Scored, 10 Pretest
    InsFL-Title31FLA Title Agent (0410, 9413)1 Hour 30 Minutes70 Scored, 5 Pretest

    3. Get Fingerprinted

    Applicants can register, pay for finger-printing and request new fingerprint cards to be mailed to them by calling 1-800-528-1358 or by visiting www.L1enrollment.com/FLInsurance.

    Applicants should not attempt to take their own fingerprints. For more information, please go to the Department’s website at http://www.myfloridacfo.com/Division/Agents . Once there, click on Fingerprinting

    4. Apply for a Florida Insurance License

    Once you have passed your state licensing exam, you are ready to apply for an insurance license.

    After passing the examination, an online licensing application is required to be submitted. (NOTE: Bail Bond candidates must submit the license application prior to taking the examination.) The application must be submitted electronically through www.MyFloridaCFO.com/Division/Agents. Upon approval of the license application by the Department, the candidate may print their license by going to MyProfile at www.MyFloridaCFO.com/Division/Agents. Bail Bond candidates will receive their photo license ID card sent via 2nd day mail due to specific legal requirements.
    You will be assigned an NPN. This unique identifier is assigned through the licensing application process and is used to track individuals and business entities on a national basis. The NPN is used by many states to replace a producer license number.

    5. Plan to Complete Required Insurance Continuing Education (CE) Credits

    Every insurance producer must adhere to their home state’s CE requirements. Stay on top of your CE and ahead of the competition with 365 days of unlimited course access when you enroll in a CE library with Kaplan. 

    Learn how to renew a Florida insurance license by clicking here.

    Select a Line of Authority and Start Earning Your License Today:

    Life & Health

    This license qualifies you to explain, sell, and write life and health insurance products in Florida.


    Property & Casualty

    This license qualifies you to sell products designed to protect from financial issues as a result of damage or injury in Florida.

    Personal Lines

    This license qualifies you to sell a variety of insurance plans directly to consumers in Florida.