How to Get a Life and Health Insurance License in Florida

The steps in Florida

1. Take the 60-hour pre-licensing courseOne 60-hour state-approved course covering life, health, and variable annuities, finished within 4 years of applying. Your school reports it to the state for you.
2. Pass the state examExams are run by Pearson VUE. You take one combined life and health exam. You need a score of 70 to pass.
3. Get fingerprintedFlorida requires fingerprints for a background check, about $53.
4. Apply for your licenseApply through your MyProfile account on the Florida Department of Financial Services site: a $50 application fee plus a $5 license identification fee.
5. Get appointedThe insurance companies you will represent appoint you. When you join an agency, it usually handles this for you.

What it costs

Pre-licensing course	$50 to $350 (set by the course provider)
State exam	$44 per attempt
Fingerprints	$53
License fee	$55
Typical total	$202 to $546

The low end assumes you pass the first time with a budget course. The high end includes a full-price course and one retake. Many agencies cover or reimburse licensing costs, so ask before you buy anything.

Estimate my exact cost

Good to know

• The license is called the 2-15 Health and Life (including Annuities and Variable Contracts) license. Fingerprints are done at IdentoGO, plus county sales tax. A passing score is good for 1 year.
• After you are licensed: 24 hours of continuing education every 2 years, due by the end of your birth month.

Official sources

• Florida resident licensing requirements
• myfloridacfo.com/docs-sf/insurance-agents-and-agency-services-libraries/agents-docs/licensure/agents-adjusters/2-15-resident-health-life-agent-license.pdf
• pearsonvue.com/content/dam/VUE/vue/en/documents/publications/121000.pdf
• myfloridacfo.com/division/agents/licensing/agents-and-adjusters/fingerprinting-information

New to licensing? Start with How to Get Your Life and Health Insurance License for the full picture.

Checked against official Florida sources in October 2026. Fees and rules change, so confirm with the Florida insurance department before you pay. This is general information, not licensing advice.