How to Get Your Florida General Lines Property & Casualty Insurance License

Main License Types & Paths

• 2-20 General Lines License: Requires a 200-hour pre-licensing course (covers personal and commercial lines). Most comprehensive and leads to the highest-paying, independent agent roles.
• 2-20 Conversion course allows people who have already worked as a Customer Representative, Service Representative, or Personal Lines agent to convert their license to the full 2-20 license without taking the 200-hour course. (You still have to take the state exam.)
• 20-44 Personal Lines License: Requires a 60-hour pre-licensing course; focused on personal insurance products.
• 4-40 Customer Representative License: Requires a 40-hour online designation course; no state exam and perfect for entry-level positions.

Students in designation courses don’t need to buy the state study manual, though it’s highly recommended. For other license types, purchasing the official manual is mandatory.

The following is a flow chart of the progress from course to license and their common uses. Moving from the 20-44 Personal Lines License or the 4-40 Registered Customer Service Representative to the full 2-20 General Lines License is optional. 

Advancing Your Career: License Conversion Options

• Work with a 4-40, 20-44, or 0-55 license for one year.
• Take the approved 40-hour 2-20 conversion course.
• Pass the 2-20 state exam to become a fully independent General Lines Agent.

Study & Exam Prep Resources

If you’re not confident after your pre-licensing course, try these resources:

• Review your state study manual thoroughly.
• Take advantage of extra study periods (three months for most courses, six months for the 200-hour course).
• Use extension options if needed.
• Access extra study courses:
  • PE003 Practice Question Generator (600+ questions)
  • Florida 2-20 PASSPREP Course (area quizzes)
  • Insurance Pass Prep Course (all questions confirmed correct)

Frequently Asked Questions

Do I need a study manual?
Yes, purchase your manual unless you’re in a designation course (state exam waived; manual optional).

What if I don’t feel ready?
Study hard, use your review period, purchase extensions, and utilize supplemental quiz courses.

What does a 4-40 Customer Service Agent do?

A 4-40 license is for people who work in an insurance office, helping with things like car, boat, home, motorcycle, and pet insurance. These workers get a regular salary and do their job under the supervision of a fully licensed insurance agent

What does a 2-20 General Lines Agent do?

A 2-20 license lets you sell different kinds of insurance to both individuals and businesses. You can help people and companies get insurance for things like cars, boats, homes, motorcycles, and pets. With this license, you can also handle special types of insurance such as errors and omissions (which protects from mistakes), workers’ compensation, and bonds. You are allowed to sell both personal and business (commercial) insurance policies, including property, casualty, surety, marine, health, and other types of insurance.

What does a 20-44 Personal Lines Agent do?

A 20-44 license is for a personal lines insurance agent. This means the agent can help people and families get insurance for things like their house, car, or belongings, but not for businesses. The agent is only allowed to sell property and casualty insurance for personal use, not for commercial or business purposes.

Additional courses that help students prepare for the Florida Property and Casualty state exams

2-20 and 20-44 Practice Question Generator (PE003) – This course has over 600 questions based on the latest Florida General Lines and Adjuster Study Manual edition. You may want to use this course to review your knowledge of all sections of the manual or concentrate on just the parts you feel you need to study more.

Florida 2-20 PASSPREP COURSE (GENERAL LINES/PROPERTY & CASUALTY) (INS020FL) – Another question and answer course divided into 13 areas of Property & Casualty with several quizzes in each area.

Florida Property and Casualty Insurance Pass Prep Course (INS002FL) – This unique exam course only exposes you to correct information. Each answer to a question is a correct answer to a question in the course. If you choose the wrong answer for the current question, the response tells you which question that answer does match, which reinforces the correct information throughout each quiz.

Keywords: Florida insurance license, property and casualty insurance, 2-20 license, 20-44 license, 4-40 license, designation, state exam, pre-licensing education, insurance career.