How to get a 2-15 Resident Health & Life Agent License in Florida

Florida insurance agent licenses

Florida issues 6 insurance agent credentials. Each has its own section below; the table shows what each one covers and its headline requirements.

Applies to every license level

These rules are the same for several of the Florida insurance agent licenses on this page, so they are shown once here, with the licenses they apply to. Each license's own section lists only what differs.

1. Every license level (all 6)

Requirements

Minimum age

18 years old^21213151617

Background check

Background check required⁴
Fingerprints required¹⁸
Fingerprints are checked against FDLE and FBI records. Results are valid for one year for applicants who do not already hold a valid Florida agent license; a licensee adding a license who was fingerprinted through DFS within the last 4 years need not be fingerprinted again unless asked. DFS does not accept prints from other vendors or other states. Applicants with a criminal history are pointed to DFS's criminal-history information before applying.¹⁸

Social Security number

Social Security number required on the application (federal child-support enforcement).⁵

Fees

Each line is a separate charge as the board lists it. The board does not publish a combined total, so none is shown here.

How to apply

1. Apply online through MyProfile and pay the $50 application fee and $5 License ID fee.^21213151617
2. Get fingerprinted through IdentoGO by Idemia ($52.50 plus local sales tax), by LiveScan or by fingerprint cards.¹⁸

Apply online

dice.fldfs.com¹⁹

Renewal

How often

Every 2 years⁷

Renewal fee

$60⁷⁶ (Each appointment, every 24 months (paid by the appointing entity))

Approved courses

Courses, providers and instructors must be approved by DFS. Classroom courses count, as do courses ending in a monitored exam or qualifying online or self-study with internal testing. Search approved courses through DFS.²⁰

Late renewal

Continuing Education Fine: $250⁹ (cE noncompliance, payable after a settlement stipulation / consent order is posted to MyProfile)
LATE FEES FOR APPOINTMENTS : Original/Initial: $250⁹ (original appointment filed late (paid through eAppoint))

If it expires

If you go 48 months without an appointment for a class of insurance, you cannot be appointed for it again until you qualify as a first-time applicant (education and exam again).²¹

Renew online

dice.fldfs.com¹⁹

2. Every license level except 4-40 Resident Customer Representative

Requirements

Residency or citizenship

You must be a bona fide Florida resident, a U.S. citizen or legal alien with work authorization, and not hold a resident insurance license in another state.^212131516

Also required

The license is only valid while you hold an appointment: an insurer (or employer) must appoint you, and the appointment fee is paid through eAppoint.^212131516

Fees

Each line is a separate charge as the board lists it. The board does not publish a combined total, so none is shown here.

How to apply

1. Check that you meet the basic requirements: age 18+, Florida resident, U.S. citizen or legal alien with work authorization, and no resident license in another state.^212131516
2. Complete the prerequisite: prelicensing course, qualifying experience, degree or designation. Your course provider reports completion to DFS; email other proof to [email protected].^212131516
3. After DFS approves the application, open the exam authorization in your MyProfile messages, then schedule and pass the state exam ($44 to the vendor).^212131516
4. When everything is complete, DFS emails your approval and you print the license from MyProfile. An appointing insurer or general lines agent must then appoint you before you can transact business.^212131516

Renewal

When it expires

No license renewal application. Your appointing insurer or agency renews each appointment every 24 months in your birth month. You must complete CE every 2 years by the end of your birth month, or appointments cannot continue.⁸

Continuing education

24 hours each renewal period⁸

Exemptions

Licensed 6 or more years: the elective requirement drops to 16 hours (plus the 4-hour update).⁸
Licensed 25 or more years and a CLU or CPCU (or a risk-management/insurance degree with 18+ insurance semester hours): 6 elective hours.⁸
Active-duty military who cannot comply may ask DFS in writing for a waiver. DFS may grant an extension of up to 1 year for good cause.⁸
Excess hours carry forward to the next 2-year period.⁸

3. 2-15 Resident Health & Life (Including Annuities & Variable Contracts) Agent License, 2-14 Resident Life (Including Annuities & Variable Contracts) Agent License and 2-40 Resident Health Agent License

From another state

4. 2-14 Resident Life (Including Annuities & Variable Contracts) Agent License, 2-20 Resident General Lines (Property, Casualty, Surety, Marine, Health and Miscellaneous Lines) and 20-44 Resident Personal Lines

How to apply

Temporary or provisional license

Temporary licenses exist only to keep an agency running when an agent can no longer act: T2-20 general lines (agent died or cannot work because of military service, illness or disability), T20-44 personal lines, and T2-14 life (agent died). The temporary appointment fee is $30, valid for 6 months.²²

5. 2-20 Resident General Lines (Property, Casualty, Surety, Marine, Health and Miscellaneous Lines), 20-44 Resident Personal Lines and 4-40 Resident Customer Representative

Renewal

Required topics

4-hour Law and Ethics update course specific to your license (course 5-220), every 2 years. It covers insurance law updates, ethics, disciplinary trends, industry trends, premium discounts and suitability.⁸

6. 2-15 Resident Health & Life (Including Annuities & Variable Contracts) Agent License and 2-14 Resident Life (Including Annuities & Variable Contracts) Agent License

Requirements

Also required

You must not be an employee of the U.S. Department of Veterans Affairs or a state service office. A funeral director or direct disposer may hold only a limited preneed-funeral life license.²¹²

7. 2-20 Resident General Lines (Property, Casualty, Surety, Marine, Health and Miscellaneous Lines) and 20-44 Resident Personal Lines

From another state

Who needs a 2-15 Resident Health & Life Agent License

Life insurance, annuities and variable contracts, plus health insurance and HMOs.²

Requirements for a 2-15 Resident Health & Life Agent License

More rules for this license are shared with other levels: group 1, group 2, group 3 and group 6 under Applies to every license level.

Education or training

At least 60 hours²
A department-approved 60-hour life and health course including variable annuities, completed within 4 years before you apply. Alternatively, the 30-hour life course (or ChFC/FLMI) plus the 40-hour health course (or a health designation).²
Who may teach it: The course must be approved by DFS, and the study manual is required.²
Alternative: 30-hour life course (or ChFC/FLMI) plus 40-hour health course (or Certified Employee Benefit Specialist (printed "CEBC" on the DFS sheet), ChHC, HIA, REBC or RHU), all within the last 4 years (the state exam is still required).²
Alternative: Degree with at least 9 credit hours of insurance instruction in health, life, annuities and variable contracts (exempt from the state exam).²
Alternative: CLU designation (exempt from the state exam).²
Alternative: Military members, veterans and their spouses do not need the prelicensure coursework.²³

Exam

Florida state licensing examination for the Resident Health & Life (Including Annuities & Variable Contracts) license³
Given by: The department's examination vendor. You pay the $44 exam fee to the vendor and schedule the exam after DFS authorizes you through your MyProfile account.²
When you can take it: Apply first. When DFS approves the application it messages you in MyProfile with an exam authorization. If you passed the exam within one year before applying, you do not take it again.²⁴
Exam waived: Exam waived for a qualifying insurance degree, CPCU (property and casualty) or CLU (life and health), a license transfer under s. 626.292, or a nonresident who holds a comparable license in another state with similar exam requirements.³

Renewal and continuing education

Required topics

4-hour Law and Ethics update course specific to your license (course 5-215), every 2 years. It covers insurance law updates, ethics, disciplinary trends, industry trends, premium discounts and suitability.⁸

Moving to Florida with a license from another state

These are the routes the Division of Insurance Agent and Agency Services publishes for the 2-15 Resident Health & Life Agent License. The other insurance agent licenses have their own routes in their sections below.

2-14 Resident Life Agent License

Life insurance and annuity contracts, including fixed and variable annuities and variable contracts.¹²

Requirements

Education or training

At least 30 hours¹²
A department-approved 30-hour prelicensing course in life insurance, annuities and variable contracts (3 hours on ethics), completed or taught within 4 years before you apply.²³
Who may teach it: The course must be approved by DFS, and the study manual is required.¹²
Alternative: ChFC or FLMI designation within the last 4 years (the state exam is still required).¹²
Alternative: Degree with at least 9 credit hours of insurance instruction in life, annuities and variable products (exempt from the state exam).¹²
Alternative: CLU designation (exempt from the state exam).¹²
Alternative: Military members, veterans and their spouses do not need the prelicensure coursework.²³

Exam

Florida state licensing examination for the Resident Life (Including Annuities & Variable Contracts) license³
Given by: The department's examination vendor. You pay the $44 exam fee to the vendor and schedule the exam after DFS authorizes you through your MyProfile account.¹²
When you can take it: Apply first. When DFS approves the application it messages you in MyProfile with an exam authorization. If you passed the exam within one year before applying, you do not take it again.²⁴
Exam waived: Exam waived for a qualifying insurance degree, CPCU (property and casualty) or CLU (life and health), a license transfer under s. 626.292, or a nonresident who holds a comparable license in another state with similar exam requirements.³

Renewal

Required topics

4-hour Law and Ethics update course specific to your license (course 5-214), every 2 years. It covers insurance law updates, ethics, disciplinary trends, industry trends, premium discounts and suitability.⁸

From another state

More rules for this license are shared with other levels: group 1, group 2, group 3, group 4 and group 6 under Applies to every license level.

2-20 Resident General Lines

Property, casualty, surety, marine, health and miscellaneous lines: auto, watercraft, home, motorcycle, pet, errors & omissions, workers' compensation and bonds.¹³

Requirements

Education or training

At least 200 hours¹³
A department-approved 200-hour prelicensing course in property, casualty, surety, health and marine insurance (3 hours on ethics), completed or taught within 4 years before you apply. Study manuals are required for all prelicensing students.¹³
Who may teach it: The course must be approved by the Department of Financial Services. Your provider reports completion to DFS within 21 days of your passing date.¹³
Alternative: Insurance degree with at least 18 semester hours in property, casualty, health and commercial insurance (exempt from the state exam).¹³
Alternative: CPCU designation (exempt from the state exam).¹³
Alternative: Military members, veterans and their spouses do not need the prelicensure coursework.²⁸

Experience

At least 1 year¹³
Instead of the 200-hour course: 1 year in the last 4 years as a substantially full-time employee in responsible duties in all lines of property and casualty insurance (state exam still required).²⁸
Substitute: Or 1 year as a licensed and appointed customer representative, personal lines agent or service representative plus a 40-hour department-approved course.²⁸

Exam

Florida state licensing examination for the Resident General Lines (Property, Casualty, Surety, Marine, Health and Miscellaneous Lines) license³
Given by: The department's examination vendor. You pay the $44 exam fee to the vendor and schedule the exam after DFS authorizes you through your MyProfile account.¹³
When you can take it: Apply first. When DFS approves the application it messages you in MyProfile with an exam authorization. If you passed the exam within one year before applying, you do not take it again.²⁴
Exam waived: Exam waived for a qualifying insurance degree, CPCU (property and casualty) or CLU (life and health), a license transfer under s. 626.292, or a nonresident who holds a comparable license in another state with similar exam requirements.³

From another state

More rules for this license are shared with other levels: group 1, group 2, group 4, group 5 and group 7 under Applies to every license level.

2-40 Resident Health Agent License

Health insurance, and representing a health maintenance organization (HMO).¹⁴

Requirements

Education or training

At least 40 hours¹⁵
A department-approved 40-hour prelicensing course in health insurance (3 hours on ethics), completed or taught within 4 years before you apply.³⁰
Who may teach it: The course must be approved by DFS, and the study manual is required.¹⁵
Alternative: Department-approved designation within the last 4 years: Certified Employee Benefit Specialist (printed "CEBC" on the DFS sheet), ChHC, HIA, REBC or RHU (the state exam is still required).¹⁵
Alternative: Degree with at least 9 credit hours of insurance instruction in health insurance (exempt from the state exam).¹⁵
Alternative: CLU designation (exempt from the state exam).¹⁵
Alternative: Military members, veterans and their spouses do not need the prelicensure coursework.³⁰

Exam

Florida state licensing examination for the Resident Health license³
Given by: The department's examination vendor. You pay the $44 exam fee to the vendor and schedule the exam after DFS authorizes you through your MyProfile account.¹⁵
When you can take it: Apply first. When DFS approves the application it messages you in MyProfile with an exam authorization. If you passed the exam within one year before applying, you do not take it again.²⁴
Exam waived: Exam waived for a qualifying insurance degree, CPCU (property and casualty) or CLU (life and health), a license transfer under s. 626.292, or a nonresident who holds a comparable license in another state with similar exam requirements.³

Also required

You must not be an employee of the U.S. Department of Veterans Affairs or a state service office.¹⁵

Renewal

Required topics

4-hour Law and Ethics update course specific to your license (course 5-240), every 2 years. It covers insurance law updates, ethics, disciplinary trends, industry trends, premium discounts and suitability.⁸

From another state

More rules for this license are shared with other levels: group 1, group 2 and group 3 under Applies to every license level.

20-44 Resident Personal Lines

Property and casualty insurance sold to individuals and families for noncommercial purposes.¹⁴

Requirements

Education or training

At least 60 hours¹⁶
A department-approved 60-hour course in property, casualty and inland marine insurance (3 hours on ethics), completed or taught within 4 years before you apply.²⁸
Who may teach it: The course must be approved by DFS, and the study manual is required.¹⁶
Alternative: Degree with at least 9 credit hours of insurance instruction in property, casualty and inland marine (exempt from the state exam).¹⁶
Alternative: CPCU designation (exempt from the state exam).¹⁶
Alternative: Military members, veterans and their spouses do not need the prelicensure coursework.²⁸

Experience

At least 6 months¹⁶
Instead of the 60-hour course: 6 months of responsible duties as a substantially full-time employee in personal property and casualty insurance, or 6 months as a licensed and appointed customer representative, limited customer representative or service representative (state exam still required).²⁸

Exam

Florida state licensing examination for the Resident Personal Lines license³
Given by: The department's examination vendor. You pay the $44 exam fee to the vendor and schedule the exam after DFS authorizes you through your MyProfile account.¹⁶
When you can take it: Apply first. When DFS approves the application it messages you in MyProfile with an exam authorization. If you passed the exam within one year before applying, you do not take it again.²⁴
Exam waived: Exam waived for a qualifying insurance degree, CPCU (property and casualty) or CLU (life and health), a license transfer under s. 626.292, or a nonresident who holds a comparable license in another state with similar exam requirements.³

From another state

More rules for this license are shared with other levels: group 1, group 2, group 4, group 5 and group 7 under Applies to every license level.

4-40 Resident Customer Representative

Assisting one general lines agent or agency in transacting insurance from that agent's office. Business is in the agent's name and countersigned by the agent.¹⁴

Requirements

Education or training

Within the last 4 years, earn one of the department-approved designations (AAI, ACSR, AINS, CIC, CIR, CISR, CPSR, CPCU, CCSR, ICSR, PCSR or RCSR). Alternatively, hold a degree with at least 9 credit hours of insurance instruction in property, casualty and inland marine. There is no state exam route.¹⁷
Who may teach it: Only the designations named in s. 626.7351(3), or the Florida high-school insurance and personal finance course diploma, qualify.³³
Alternative: Degree with at least 9 credit hours of insurance instruction in property, casualty and inland marine.¹⁷

Residency or citizenship

You must be a U.S. citizen or legal alien with work authorization. You must be a Florida resident who lives in Florida at least 6 months a year, or live in a bordering state and have worked at least 6 months in Florida for a Florida resident general lines agent.¹⁷

Also required

You must be appointed by one general lines agent or agency and work only for that agency, under a designated supervising agent, in its office. Everything you transact is in the agent's name and countersigned by the agent.¹⁷

Fees

How to apply

1. Check that you meet the basic requirements: age 18+, Florida resident (or bordering-state resident employed 6 months in Florida), U.S. citizen or legal alien with work authorization, and no resident license in another state.¹⁷
2. Complete the prerequisite: a department-approved designation or qualifying degree. Your course provider reports completion to DFS; email other proof to [email protected].¹⁷
3. When everything is complete, DFS emails your approval and you print the license from MyProfile. An appointing insurer general lines agent must then appoint you before you can transact business.¹⁷

Renewal

When it expires

No license renewal application. Your appointing agent or agency renews the appointment every 24 months in your birth month. CE compliance (every 2 years) is a condition of continuing the appointment.⁸

Exemptions

Active-duty military who cannot comply may ask DFS in writing for a waiver. DFS may grant an extension of up to 1 year for good cause.⁸
Excess hours carry forward to the next 2-year period.⁸

From another state

Military service members, veterans and spouses: Members of the U.S. Armed Forces, their spouses, and honorably discharged veterans do not pay the $50 application fee. Eligible veterans can seek VA reimbursement of exam fees.⁹

More rules for this license are shared with other levels: group 1 and group 5 under Applies to every license level.

Check a license or report a problem

Before you hire an insurance agent in Florida, you can confirm the license is current on the board's own search. Every board we cover in Florida is on the Florida license lookup page.

Look up a license

licenseesearch.fldfs.com¹⁹

Laws and rules

The requirements above come from these laws and board rules.

• Fla. Stat. 626.112 (license and appointment required)
• Fla. Stat. 626.785 (qualifications)
• Fla. Stat. 626.7851 (qualifications)
• Fla. Stat. 626.8311 (qualifications)
• Fla. Stat. 626.171, 626.201, 626.211, 626.221, 626.241 (application, background, examination)
• Fla. Stat. 626.292 (transfer of license from another state)
• Fla. Stat. 626.2815 (continuing education)
• Fla. Stat. 626.381, 626.431 (appointment renewal; 48-month expiry)
• Fla. Stat. 624.501
• Fla. Stat. 626.731 (qualifications)
• Fla. Stat. 626.732 (qualifications)
• Fla. Stat. 626.7351 (qualifications)

Common questions

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