Want a Florida insurance license so you can start earning commissions instead of just thinking about it?
Here is a simple, step‑by‑step path that shows you which license to choose, which course to take, and how to get through fingerprints, applications, and the state exam without guesswork.
Step 1: Choose the License That Fits How You Want to Get Paid
The biggest mistake new agents make is grabbing the wrong license and finding out later they cannot sell what they actually want to sell.
Florida DFS offers several license types, including 2‑15 Health & Life (including Annuities & Variable Contracts), 2‑14 Life & Variable Annuity, 2‑20 General Lines, 20‑44 Personal Lines, 2‑40 Health, and 6‑20 All‑Lines Adjuster.
OnLine Training (OLT) lines up its catalog with these exact license types, so you can click once, enroll, and know you are in the right state‑approved course for your goal.
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Life & Health (2‑15) – Sell life, health, and variable annuities (great if you want the broadest opportunity).
Enroll here: 60 hr 2‑15 Life, Health & Variable Annuity License Course Online -
Life Only (2‑14) – Focus on life insurance and annuities only.
Enroll here: 30 hr 2‑14 Life & Variable Annuity Licensing Course Online -
Health Only (2‑40) – Specialize in individual and group health plans.
Enroll here: 40 hr 2‑40 Health Only License Course Online -
Personal Lines (20‑44) – Sell auto, home, and renters without commercial lines (a common “quick start” license).
Enroll here: 60 hr Florida 20‑44 Personal Lines License Course Online -
General Lines (2‑20) – Go broad with property, casualty, and commercial lines.
Enroll here: 200 hr 2‑20 General Lines License Course Online
Not sure which one fits your plan? These quick guides help you decide in a few minutes:
Step 2: Follow This Florida Licensing Checklist (And Avoid Costly Delays)
The state process looks complicated on paper, but when you break it into a simple checklist, it becomes manageable and predictable.
In most cases, you only need to do four things: complete your course, get fingerprinted, apply through MyProfile, and pass the exam.
OLT’s self‑paced online courses are built around Florida’s requirements, so you are not wasting time on material that does not help you pass or qualify.
- Lock in your license line. Confirm your license type through DFS, then enroll in the matching OLT course from: Florida Insurance Courses – Licensing
- Finish a state‑approved pre‑licensing course. Get instant online access here: Florida Insurance Pre‑Licensing Courses Online
- Get fingerprinted early . DFS uses fingerprints from approved vendors only, and you cannot reuse prints from other agencies, so do this before you are up against a deadline.
- Apply for your license inside MyProfile . Submit your application, pay the fees, and track your status in one place instead of calling around.
- Schedule your state exam and pass it . Once your course is done, book your exam with Pearson VUE, choose your test center or remote option, and use your course review tools to walk in prepared.
Step 3: Do Not Sell a Single Policy Until You Have This
A license alone does not give you the green light to sell; Florida only lets you “transact insurance” when you have both a valid license and a company appointment.
DFS counts “transacting” as everything from talking to prospects and doing prelim quotes to signing contracts and servicing policies, so it is important not to shortcut this step.
Carriers and certain license holders use the state’s eAppoint system to manage appointments, and specific roles—like customer representatives, public adjusters, surplus lines agents, and unaffiliated agents—have unique appointment rules you must follow.
Step 4: Protect Your License With Smart Continuing Education
Losing a license over missed CE hours is one of the easiest problems to avoid, and it can still cost you months of income if you ignore it.
Florida agents and adjusters usually follow a two‑year CE cycle that ends on the last day of their birth month, with specific hour totals and law and ethics updates based on license type and experience.
OLT’s online CE bundles and single courses let you log in, knock out your hours from home or the office, and move on with your business.
- See every CE option in one place: Continuing Education Courses – Online & 24/7
- Handle 4‑40 CSR CE in one shot (10 hours): Florida Insurance CE Bundle – 10 hr Online CE for 4‑40
- Add Surplus Lines CE without overbuying (6 hours): 6 hr All Licenses Surplus Lines CE
Step 5: Click Straight Into the Course That Fits You
Instead of wandering around a course catalog, use the links below to go directly to the section that matches how you want to build your book of business.
Life & Health Insurance Courses
If you want recurring income from life and health policies, start here and pick the license that lines up with your plan.
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Florida Life & Health Pre‑Licensing – Course Catalog
See every Florida Life & Health pre‑licensing course (2‑15, 2‑14, 2‑40) in one place so you can choose fast and enroll in the right one. -
Florida 2‑15 Life, Health & Variable Annuity License Course Online
A 60‑hour, state‑approved course that covers life, health, and variable annuities and is designed to get you past the 2‑15 exam with confidence. -
Florida 2‑14 Life & Variable Annuity Pre‑Licensing Course Online
A 30‑hour program focused on life insurance and annuities so you can skip health content and go straight to what you need for the 2‑14 license. -
Florida 2‑40 Health Only License Course Online
A targeted course that concentrates on medical expense, disability, group health, and key regulations for students who want to specialize in health coverage only.
Personal Lines Insurance Courses
If your goal is to write auto, home, and renters policies and get into the field quickly, the 20‑44 Personal Lines license is often the fastest path.
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Florida 20‑44 Personal Lines License Course Online (60‑Hour)
A state‑approved 60‑hour course that prepares you to sell personal lines policies in Florida, with flexible online modules and built‑in exam prep so you do not have to figure it out alone.
Florida Insurance Licensing FAQs
Do I have to take a pre‑licensing course to get a Florida insurance license?
For most resident licenses, yes—you need a state‑approved pre‑licensing course before Florida will even let you sit for the exam, and the required hours change by license type. OLT offers online pre‑licensing for major licenses like 2‑15, 2‑14, 2‑20, 20‑44, and 2‑40 so you can meet that requirement from home and move straight into exam scheduling.
How long does a Florida insurance pre‑licensing course take?
The state sets the hours: for example, 2‑15 Life, Health & Variable Annuity is 60 hours and 2‑14 Life & Variable Annuity is 30 hours. Because OLT courses are self‑paced and online, many students power through the material in about a week of focused study, while still keeping several months of access for extra review.
Can I take my Florida insurance course and exam completely online?
The course can be 100% online with a provider like OLT, so you can study from your phone, tablet, or laptop whenever you have time. The exam is managed by DFS’s testing vendor, and while you schedule and see scores online, you still need to follow their rules for test centers or remote proctoring.
What happens if I have a prior criminal record?
DFS reviews your criminal history when you apply and can approve or deny you based on Florida law and the type and timing of any offenses you report. The safest move is to disclose everything accurately and complete fingerprinting through DFS‑approved channels so the department can make an informed decision.
How often do I need Florida insurance continuing education?
Most Florida agents and adjusters complete CE every two years, on a cycle tied to the last day of their birth month, with specific hour requirements and law and ethics updates based on license and experience. OLT’s CE catalog includes bundles and individual courses so you can handle all your hours in one place and avoid scrambling right before your deadline.
