Florida Insurance Agents: Q&A Guide

If you're thinking about becoming an insurance agent in the state of Florida, this article is for you. We've gathered the most frequently asked questions we receive from both new and experienced agents, and answered them in a clear and organized way. From initial requirements to how to keep your license active, here’s everything you need to know to move forward in this industry.

❓ What are the requirements to get started?
To apply for an insurance license in Florida, you must:

Be at least 18 years old.
Be a U.S. citizen or legal resident.
Have a physical address in Florida (P.O. Boxes are not accepted).
Pass a criminal background check.

❓ Is a pre-licensing course mandatory?
Yes. The Department of Financial Services (DFS) requires you to complete an approved course before taking the exam.
Course length depends on the type of license:

2-15 (Life, Health & Annuities): 60 hours
2-20 (General Lines – Property & Casualty): 200 hours
2-40 (Health Only): 40 hours
2-14 (Life Only): 30 hours

Study formats:

Online: Learn at your own pace, from anywhere.
In-person: Ideal if you prefer a structured schedule.

💡 At EducUp, we offer approved courses that include exam simulations and personalized guidance.

❓ What is the state exam like and how do I schedule it?
The exam is administered by Pearson VUE and consists of multiple-choice questions.

Duration: 2 hours
Number of questions: Approximately 100
Minimum passing score: 70%
Cost: Around $44

To schedule your exam:

Go to www.pearsonvue.com/fl/insurance
Create an account
Select a date, time, and location
Pay the fee

❓ Do I need to submit fingerprints?
Yes. Fingerprinting is required for background verification.
Steps to follow:

Schedule an appointment with IdentoGO or another authorized provider.
Bring your ORI number (Originating Agency Identifier).
Pay the fee (approx. $50–$80).
Wait 48 to 72 hours for processing.

❓ How do I apply for my license?
Once you've passed the exam and completed fingerprinting, apply online:

Go to the MyFloridaCFO portal.
Create an account and select your license type.
Pay the application fee (around $50).
Wait 5–10 business days for approval.

💡 Check your application status regularly through the portal.

❓ What does it mean to get “appointed” by an insurance company?
Your license is not valid until an insurance company provides you with an official "appointment" or sponsorship with the DFS.
How to get appointed:

Apply for jobs with insurance companies.
Once hired, the company submits the appointment request.
An additional fee is paid (between $30 and $150).

❓ How do I keep my license active?
You must complete 24 hours of Continuing Education (CE) every 2 years:

4 mandatory hours on ethics and Florida law
20 elective hours based on your license type

Ways to complete CE:

Take online courses with authorized providers like EducUp.

✅ Final Checklist
☑ General requirements met
☑ Pre-licensing course completed
☑ State exam passed
☑ Fingerprints submitted
☑ Application sent
☑ Appointment obtained
☑ Continuing education underway

At EducUp, we provide comprehensive, state-approved training and guide you through every step, so you can start your insurance career with confidence and support.

📩 Ready to begin? Message us and take your first step into a growing industry.

Q&A for Insurance Agents in Florida 💙

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