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How to Get Your Florida Insurance License in 2026

Florida has one of the strictest insurance licensing regimes in the country. The 2-20 General Lines license alone requires 200 hours of state-approved pre-licensing. Plan a realistic 8-12 week path.

Quick summaryTotal time: 8–12 weeks. Total cost: roughly $600–$1,200 all-in for a 2-20 license. State-approved pre-licensing education is required for every line.

Florida insurance license — quick facts

State regulatorFlorida Department of Financial Services (DFS)
Exam vendorPearson VUE
Pre-licensing educationRequired — 200 hrs 2-20 P&C; 40 hrs 2-15 L&H; 40 hrs 2-14 Life (F.S. §626.7851)
Exam fee (resident)~$44 per attempt
License application fee~$50-$55 + $5 fingerprint processing
FingerprintingRequired (~$48-$56 via MorphoTrust)
License term2 years (perpetual once issued — requires CE only)
CE requirement24 hours / 2 years incl. 5 hours ethics for new licensees

The six steps

  1. 1

    Complete pre-licensing education

    Florida has one of the strictest PLE regimes in the country: 200 hours for a 2-20 General Lines (P&C) license, 40 hours for a 2-15 Life Health & Variable Annuity license, and 40 hours for a 2-14 Life license. The course must be from a DFS-approved provider — see Florida Statutes §626.7851 and Rule 69B-227.

  2. 2

    Apply with DFS BEFORE scheduling the exam

    Florida is unusual — you must apply for your license with the Department of Financial Services (DFS) at MyProfile.MyFloridaCFO.com FIRST, then DFS authorizes you to test. The application fee runs ~$50-$55 plus a $5 fingerprint processing fee. {/* TODO: verify */}

  3. 3

    Get fingerprinted

    Florida requires fingerprinting through MorphoTrust/IdentoGO. Cost is ~$48-$56. Results are sent directly to DFS.

  4. 4

    Schedule your Pearson VUE exam

    After DFS approves your application, Pearson VUE sends an Authorization to Test (ATT). Register at pearsonvue.com/fl/insurance, pick a testing center, and pay the current exam fee (~$44 per attempt). {/* TODO: verify */}

  5. 5

    Pass the exam

    Florida uses a 70% passing standard for resident producer exams. Pearson VUE sends your score directly to DFS within 24-48 hours.

  6. 6

    Get appointed by a carrier

    Florida producer licenses require at least one company appointment to be active. The carrier files the appointment with DFS.

What's on the Florida 2-20 P&C exam

The 2-20 exam tests both general lines (personal + commercial) and Florida-specific statutes.

  • Florida insurance law & ethics — ~20-25%
  • General insurance principles — ~10%
  • Property — ~20-25%
  • Casualty — ~25-30%
  • Commercial Package, BOP, WC, Surety — ~15-20%

CE requirements after licensing

Florida producer licenses become perpetual once issued, but require 24 hours of DFS-approved CE every 2 years, including 5 hours of FL-specific ethics/regulation for new licensees.

Cost breakdown

  • State-approved PLE: $300-$900 depending on line and provider
  • Pearson VUE exam fee: ~$44 per attempt
  • Fingerprinting: ~$48-$56
  • DFS application: ~$50-$55 + $5 fingerprint processing
  • Biennial CE: $30-$200

Florida course — pending DFS approval

Florida requires state-approved PLE — we're evaluating becoming a DFS-approved provider. Sign up below to be notified when our Florida content launches.

Notify me when Florida launches →

Frequently asked questions

Does Florida require pre-licensing education?

Yes — and it's one of the longest in the country. The 2-20 General Lines (P&C) license requires 200 hours of approved pre-licensing; 2-15 Life & Health requires 40 hours; 2-14 Life requires 40 hours. See F.S. §626.7851.

What's the passing score on the Florida insurance exam?

70% — Pearson VUE administers and sends results directly to DFS.

Is Elite Training Academy approved in Florida?

Not yet. Florida has very high authoring and filing requirements. We're evaluating the path to becoming a DFS-approved provider. Sign up to be notified when we launch Florida content.

Related guides

Sources cited

This guide is based on DFS and Pearson VUE published procedures current as of 2026. Always verify current requirements at myfloridacfo.com before relying on any specific number.