License Requirements


How to Get a Florida Insurance License

How to Get a Florida Insurance License

Updated: March 31, 2022

A.D. Banker Provider #: 742

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On this page, you’ll find a comprehensive guide for getting your insurance license. We’ll walk you through the process, and we’ll be here to answer any questions you have along the way. 

Florida requires each person selling insurance in the state to hold an insurance license. You will choose which line of authority you want to be licensed in: health insurance, life insurance, property and casualty insurance, or any combination of those lines. 

Once you know which license you need, you’re ready to begin. In Florida, there are 4 steps to getting your insurance license. 

1. Complete a Prelicensing Course

The first step is to complete a prelicensing course. A.D. Banker offers prelicensing courses that will prepare you to successfully pass the state exam on your first attempt. We offer online courses that can be supplemented with web classes, in-person classes, or learning tools like flashcards and study manuals. 

Florida requires potential agents to complete an approved prelicensing education for each line of authority before attempting the state exam. The specific hour requirements are as follows:

  • 40 hours - Life and Variable Annuity
  • 40 hours - Health 
  • 60 hours - Life, Health, and Variable Annuity
  • 200 hours - General Lines Property and Casualty
  • 60 hours - Personal Lines Property and Casualty

After completing your course content, you will need to pass a Certification Exam. This demonstrates completion of the prelicensing requirement. The Certification Exam is not monitored. After passing the Certification Exam with a 70% or greater, you will receive a Certificate of Completion (also called proof of prerequisite). Approved providers will automatically send the proof to the Florida Department of Insurance (FDI) within 21 days of your passing date. The Certificate of Completion is valid for 4 years. You will need to take and pass the state exam within this time period. Otherwise, proof of prerequisite must be submitted to the Florida Department of Insurance before you may take the exam. 

Individuals who meet specific education, designation, or experience requirements may be exempt from prelicensing requirements. To see if you qualify, visit Florida's License Qualifications page and select the type of license for which you will be applying. 

Get Started on your Prelicensing Training Course Now
 

2. Get Fingerprinted

Florida requires fingerprint impressions for all unlicensed applicants. You can complete this requirement before the exam to ensure there is no delay in your license issuance. You can register, find locations, and pay for fingerprinting on FDI’s website or by calling 1-800-528-1358.

FDI provides additional fingering printing information for both resident and out-of-state applicants.

3. Pass the State Licensing Exam

After you finish your prelicensing course, you are now ready to take the state licensing exam. You must score 70% or higher to pass your state licensing exam.

Where will I take the state exam?

Remote exams are available to ensure accessibility and safety. These exams require you to have a computer or laptop that is compatible with OnVUE, Pearson VUE’s remote testing platform. If you do not have a compatible computer, you must schedule an in-person exam.

Exams may also be taken in-person at a Pearson VUE testing site. Exams taken at a Pearson VUE location may include an additional provider fee. 

How do I schedule my state exam?

Every insurance licensing exam is accompanied by an exam fee that must be paid by a credit or debit card, voucher, or electronic check. This fee must be paid at the time of reservation and will not be accepted at a testing center. You can schedule your state exam through Pearson VUE or by calling (888) 274-2020.

How should I prepare for my remote state exam?

Before scheduling your licensing exam, test the compatibility of your computer, webcam, and microphone. OnVUE requires the newest versions of Microsoft Edge, Safari, Google Chrome, or Firefox. Exams must be scheduled at least 24 hours in advance, and you are allowed to cancel or reschedule your exam up to 48 hours before your reservation time by calling Pearson VUE.

Next, download OnVUE. Please note that the download can take up to 30 minutes, so we recommend you do this before the day of your test to prevent any last-minute technical problems. 

Login to the testing platform 30 minutes before your exam reservation time. A state or government ID is required to be presented to verify your identity. For remote exams, a military ID or certain secure access IDs are not accepted as a valid form of identification. Check with Pearson VUE if you are unsure if your ID will be accepted for remote proctoring.

Your remote test requires you to be alone in a private room for the duration of the exam. The surface you have your computer on must be clear of all objects. You cannot have a phone, headphones, or a wristwatch on you while you are taking the exam. Food, chewing gum, and tobacco products are also prohibited. You are permitted to have a beverage. 

All exams are monitored by a third-party to ensure all testing requirements are followed. The monitors are able to answer questions that do not pertain to the content of the exam via live chat.

If technical issues occur while you are taking the exam, the proctor is there to resolve the issues in real time. If the proctor cannot resolve the issue, they will file a case on your behalf. Your exam will be rescheduled, and Pearson VUE will provide either a reimbursement or a voucher for a new exam appointment.

Candidates taking an online examination are allowed only one attempt per exam. All subsequent examination attempts must be taken at a Pearson VUE testing center.

How should I prepare for my in-person state exam?

Report to the testing center 30 minutes before your exam time for the check-in process. You will be required to present a valid government-issued ID. If you arrive late, you will not be admitted to the test center and will forfeit your exam fee. 

No personal items are allowed to be taken into the testing center. All personal items, including bags and wallets, will have to remain in your vehicle or be checked into provided storage space. Cell phones, calculators, electronic devices, and wrist watches are not allowed into the testing center. Food, chewing gum, and tobacco products are also prohibited. You are allowed to have a beverage. You must stay in the testing center for the duration of the exam. No breaks are allowed.

If you have any questions about the exam process, testing locations, or security measures, please contact Pearson VUE or Florida Department of Insurance.

What is the format of the state exam?

Florida’s licensing exam consists of two parts:

  1. The general section tests basic insurance product knowledge
  2. The state section tests with insurance laws, rules, regulations, and practices that are unique to Florida

All licensing exams are taken on a computer and are multiple choice. The exam will cover both a general section with basic insurance product knowledge, and a state section with specific insurance laws, rules, regulations, and practices that are unique to Florida. A good prelicensing training course will feature practice exams that simulate the format of the state exams, so you should know exactly what to expect on the actual state licensing exam.

Get Started on your Prelicensing Training Course Now

How long is the state exam?

Depending on which line of insurance you are testing on, the amount of time and number of questions on the exam vary. Exams will be 1–3 hours long and can have 100–175 questions. Each exam is accompanied by an exam code. 

  • InsFL-LHA05 - The Life, Variable Annuity, and Health Agent exam is 2 hours and 45 minutes with 165 questions
  • InsFL-Life01 - The Life including Variable Annuity Agent exam is 2 hours with 100 questions
  • InsFL-Health02 - The Health Agent exam is 2 hours with 100 questions
  • InsFL-PC06 - The General Lines Property & Casualty Agent exam is 3 hours with 175 questions
  • InsFL-Pers55 - The Personal Lines Agent exam is 2 hours with 110 questions
  • InsFL-ALJ16 - The All Lines Adjuster Exam is 2 hours with 110 questions
  • InsFL-PubAdj20 - The All Lines Public Adjuster exam is 2 hours with 110 questions

What score do I need to pass? 

For all of Florida’s insurance exams, you need to score 70% or higher on both sections of the exam to pass. Immediately after your exam, you will receive a pass or fail notification. 

What happens if I fail my exam?

After completing your exam, you can log into your Pearson VUE account to obtain your diagnostic report indicating your strengths and weaknesses on the exam. You can send us a copy of this score report to curriculum@adbanker.com for our team to review and respond with personalized feedback. 

You are able to immediately reschedule a new exam without a waiting period. If you would like more detailed information, or if you have any questions about the exam process, please visit Pearson VUE’s website or call (888) 274-2020.

Florida only allows 5 attempts for the same license exam within a 12-month period.

4. Apply for License

After passing the exam, you are ready to apply for your license, pay the application fee, and submit your fingerprints. You must apply for your license within 12 months of passing the exam, or you will be required to retake it.

We’re Here to Help

Our goal is to prepare you for your insurance licensing exam, and then guide you through your career as a licensed professional. Once you pass your exam and successfully apply for a license, your license will need to be renewed every two years. Learn more about how to renew a Florida insurance license by visiting our Florida CE requirements page.

Once you begin the process of becoming a licensed insurance professional, we’re here to help you every step of the way. Get started today by reviewing our prelicensing course catalog.

A.D. Banker Prelicensing Course Free Trial

A.D. Banker & Company provides licensing information as a courtesy to our students. While reasonable attempts have been made to ensure the accuracy of this information, licensees are ultimately responsible for ensuring that they are in compliance with the requirements set forth by their state licensing entity. A.D. Banker & Company offers no guarantee of the accuracy of this information and will not be held liable in case of noncompliance with the license requirements.