How to Get Your Insurance License in Florida

If you want to become an insurance agent in Florida, you’ll need to get an insurance license. Here’s what you need to know about the process.

What is an insurance license?

An insurance license is a permit that allows you to legally sell insurance in your state. Without a license, you cannot sell insurance or provide insurance advice to customers. Every state has its own licensing requirements, so it’s important to understand the requirements in your state.

Why do I need an insurance license?

You need an insurance license to work as an insurance agent in Florida. Insurance agents help customers find insurance policies that fit their needs and budget. They may also provide advice on insurance policies, offer quotes, and process claims.

What are the requirements for getting an insurance license in Florida?

To get an insurance license in Florida, you must meet these requirements:

What lines of insurance can I get licensed for in Florida?

Florida offers licenses for various lines of insurance, including:

• Property
• Casualty
• Life
• Health
• Personal lines
• Variable contracts
• Surplus lines
• Industrial fire

How to get your insurance license in Florida

Step 1: Complete pre-licensing education

The first step to getting your insurance license in Florida is to complete a pre-licensing course. The number of hours required varies by line of insurance. You can find approved pre-licensing courses on the Florida Department of Financial Services website.

Once you complete the pre-licensing course, you’ll receive a Certificate of Completion, which you’ll need to take the state licensing exam.

Step 2: Schedule and pass the state licensing exam

After completing the pre-licensing course, you’ll need to schedule and pass the state licensing exam for the line of insurance you want to sell. The exam is administered by Pearson Vue and can be scheduled online or by phone.

The exam consists of two parts: a general section and a state-specific section. You must pass both sections to obtain your license. The passing score is 70% or higher.

Step 3: Get fingerprinted for a background check

Before you can obtain your insurance license in Florida, you’ll need to be fingerprinted for a background check. You can schedule your fingerprinting appointment through the Florida Department of Financial Services website.

Step 4: Apply for your license

After passing the state licensing exam and completing the fingerprinting process, you can apply for your insurance license through the Florida Department of Financial Services website. You’ll need to pay the licensing fees required by the state.

FAQ

How long does it take to get an insurance license in Florida?

The time it takes to get an insurance license in Florida varies based on how quickly you complete each step of the process. On average, it takes 4-6 weeks to complete all of the requirements and receive your license.

How much does it cost to get an insurance license in Florida?

The cost to get an insurance license in Florida varies based on the line of insurance you want to sell and the licensing fees required by the state. Generally, you can expect to pay around $200-$300 for the pre-licensing course and state licensing exam, and an additional $200-$300 for licensing fees.

Do I need to renew my insurance license in Florida?

Yes, you need to renew your insurance license in Florida every two years. To renew your license, you’ll need to complete continuing education courses and pay the renewal fee.

Can I sell insurance in Florida with a license from another state?

No, you cannot sell insurance in Florida with a license from another state. You must have a Florida insurance license to sell insurance in Florida.

Can I sell insurance without a license in Florida?

No, it is illegal to sell insurance without a license in Florida. If you are caught selling insurance without a license, you could face fines and other penalties.