Start with the Florida Insurance Department Requirements
Florida mandates that all life insurance agents complete the state's pre‑licensing education, pass the Life Insurance Examination, and submit a background check. The Florida Insurance Department's Office of the Insurance Commissioner oversees the process, ensuring applicants meet ethical and professional standards.
More from this site
Keep reading the latest coverage
Complete the Required Pre‑Licensing Education
Enroll in a Florida‑approved 15‑hour pre‑licensing course. Providers such as the Florida Insurance Institute, Kaplan, and Pearson offer in‑person or online classes. The curriculum covers policy types, underwriting, state regulations, and ethical practices. Upon finishing, receive a Certificate of Completion, which must be submitted with the licensing application.
Pass the Florida Life Insurance Exam
Register with Pearson VUE to take the state‑approved exam. The test consists of 125 multiple‑choice questions, with a 70% passing score. Study materials include the exam handbook, practice tests, and flashcards. The exam fee is $50, payable during registration.
Submit Background Check and Application
After passing the exam, file Form 6 (Application for Insurance Agent License) with the Insurance Department. Include the pre‑licensing certificate, exam result, a $150 fee, and a completed background check form. The department verifies employment history, criminal records, and financial status before issuing the license.
Maintain the License: Continuing Education and Renewal
Florida requires 12 hours of continuing education every two years. Topics include state law updates, ethics, and product knowledge. Submit the completion certificates before the renewal deadline, or face a $100 late fee. Renew the license online via the department's portal, paying the $120 renewal fee.
Leverage Your New License for Career Growth
With a Florida life insurance license, you can work for agencies, start your own practice, or partner with financial advisors. Building a strong backlink profile to your agency's website can boost local search visibility, attract clients, and reinforce trust in the competitive insurance market.