Florida Insurance License Requirements

XCEL strives to ensure our information is accurate and updated, but we do recommend verifying Florida insurance license requirements with the Florida DFS. 

• Life Only – 30 hours 
• Accident & Health Only – 40 hours 
• Life, Accident and Health – 60 hours 
• Property and Casualty – 200 hours** 
  
  • 40 hours for candidates who completed at least one (1) year within the last four (4) years in responsible insurance duties as a full-time bona fide employee in all lines (the areas of property, casualty, surety, health, and marine) of property and casualty insurance and is an appointed Customer Representative (4-40) or Personal Lines Agent (20-44) 
  • 200 hours for all other candidates. 
• Personal lines - 60 hours 

• It is imperative you provide your first and last legal name as it appears on your state- issued identification. If the name entered during registration does not match the name you use   on your license application with the state, your license application with the state will be marked as “deficient” and will be delayed until the information is updated.
• This is a forced progression (locked) state that requires the student to review each lesson and pass each of the chapter quiz before moving onto the next section/chapter. 
• Assessments on key topics throughout the course must be successfully passed with a minimum score of 70% before moving onto the next chapter. 
• Completion of this course satisfies the prelicensing education requirement. 

To be eligible for a Certificate of completion, you must follow these steps:  

• Completion of the course and final exam with a minimum score of 70%. 
• Submit student attestation. 
• You can access the certificate under the Transcript section in your dashboard. 
• Certificates are valid for 4 years. 
• Course completion rosters will be reported to the Florida Department of Financial Services within two (2) business days. 
  • Education providers are required to collect and report students’ full SSN pursuant to the Welfare Reform Act, 42 U.S.C. § 666, and §§ 626.171(2)(a) and (7), 626.231(2)(a), 626.541(1), and 626.9953(3)(a) and (7), F.S. 

• Registration must be completed online on Pearson Professional Assessments website: www.pearsonvue.com/fl/insurance
• Exam fee – $44
• Spanish exams are available
• OnVUE online remote proctored exams are not available.

• There is a limit of five (5) examination attempts for the same examination type during twelve (12) month period 

• With XCEL's proven, 3-Part Training Program, you'll be exam day ready: 

  1. Build a strong foundation of knowledge with the pre-licensing education course
  2. Focus on highly-tested exam content with our exam prep review course
  3. Test your knowledge and ensure retention with our exam simulators
• On the day of testing, you must present a valid government issued photo id. The name on the identification must exactly match the name on the registration. 

• Submit license application online https://dice.fldfs.com/public/pb_index.aspx
• My Profile FAQ’s: https://myfloridacfo.com/division/agents/licensing/myprofile-info-and-tutorials
• Application fee – $50.00
• State I.D. fee – $5.00

• The state of Florida requires fingerprinting. Fingerprint Information
• Fingerprint Fee: $50.75 plus tax
• Fingerprint results from other vendors or states are not accepted.

Name: Florida Department of Financial Services Bureau of Licensing
Phone: 850-413-3137
Website: https://www.myfloridacfo.com/Division/Agents/
Address: 200 East Gaines Street Tallahassee, FL 32399-0319

This license renewal information is provided as a convenience only and is subject to change at any time. It is ultimately the responsibility of the licensee to ensure compliance with all requirements for each license and corresponding renewal period.

In Florida, insurance licenses are perpetual and don't need formal renewal. However, licensees must complete continuing education every two years to keep your license current. The two year period begins the year your receive your initial license on the last day of your birth month. 

Licensees renewing a Property, Casualty, Personal Lines, Accident & Health, Life or Variable Products license are required to complete 24 hours of approved continuing education, 4 of which must be approved as Law and Ethics Update, before submitting their renewal application. 

The Florida Department of Insurance requires specific training requirements for individual agents selling, soliciting, or negotiating Long-Term Care products (LTC), Flood Insurance products (NFIP), and Annuity products (Annuity). Failing to complete the required training may jeopardize the agent’s authority to sell the related insurance products.

• Life or Accident & Health licensees must complete an approved 8-hour Long-term Care course before selling, soliciting, or negotiating long-term care insurance. 
• Agents must also complete an approved 4-hour LTC refresher course every renewal period to continue selling, soliciting, or negotiating long-term care insurance. 
• The initial and refresher LTC course credits count towards the agent's 24-hour CE requirement. 
• Resident agents may complete these training requirements in any state provided the department has approved the course for long-term care credit prior to the agent taking the course. 
• Non-resident agents may complete these training requirements in any state. 

• Life or Variably Annuity licensees must complete an approved one-time 4-hour Annuity course before selling, soliciting, or negotiating annuity products. 
• Annuity course credits count towards the agent's 24-hour CE requirement. 
• Resident and non-resident agents may complete these training requirements in any state with laws substantially similar to Florida. 

• Property and Casualty or Personal Lines licensees must complete an approved one-time 3-hour National Flood Insurance Program (NFIP) course by the end of their first renewal period if they plan to sell, solicit, or negotiate Flood insurance. 
• The National Flood Insurance Program course credits count towards the agent's 24-hour CE requirement. 

• Licensees can use independent self-study courses to fill all requirements.
• Licensees may take courses in any line of authority however the Law & Ethics Update course must be in the license type held.

• Licensees are required to spend a minimum of twenty percent of 50 minutes per credit hour, reviewing the course material before accessing the final exam.

• Self-study exams are closed book and do not require a monitor/proctor.
• Duplicate courses completed in the same renewal period are not allowed and cannot be carried over to future renewal cycles.
• Excess credits, up to 24 hours earned in the previous biennial renewal period can be carried over to the next reporting period.
• Licensees cannot repeat a course within a 24-month period from course completion date. 

• Students must provide their National Producer Number (NPN) to report on course completion. 
• No Roster Fee is required to report course completions to your state. 
• Course completions are reported within one business day. 

Resident and nonresident license renewal applications are processed through DICE. There is no fee required. Agents with a continuing education requirement must obtain all required credits prior to their license expiration date. An agent will not be eligible to renew their insurance license(s) until they have satisfied their continuing education requirement.

Find your Florida Insurance License Number

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Florida Department of Financial Services

• https://www.myfloridacfo.com/
• PH: 850-413-3137
• Email: [email protected]
• Address: 200 E. Gaines Street, Tallahassee, FL 32399-0319