Florida Insurance License Classes Online
Life and Health
Property and Casualty
Personal Lines
Best Value
Premier
Life and Health
The ultimate package including everything you need to pass the first time or your money back. Ideal for those looking to maximize their studying with various learning formats.
XCEL’s 3-Part Training Program
Pre-licensing Course:
An online self-study course that provides the foundational information and satisfies any applicable state requirements
Prep Review Course:
Scales down content to focus solely on the most important material with weighted chapters identical to the state exam
Exam Simulators:
Extended Access:
Online Flashcards
Over 800+ flashcards to test your knowledge of fundamental terms & help reinforce key topics
Recorded Exam Review Class
Play and pause a recorded version of our 1-day Exam Review class to review critical concepts you must master before taking your exam
Prepared to Pass Promise
We're so confident in our ability to prepare you to pass your exam on the first try that we will refund you if you purchase our Premier Package and follow our 3-step process. Click here for terms.
Printable Review Notes Study Calendar 24/7 Interactive Online Learning Access Study anywhere, anytime, on any device
Standard
Life and Health
XCEL’s 3-Part Training Program
Pre-licensing Course:
An online self-study course that provides the foundational information and satisfies any applicable state requirements
Prep Review Course:
Scales down content to focus solely on the most important material with weighted chapters identical to the state exam
Exam Simulators:
Extended Access:
Printable Review Notes Study Calendar 24/7 Interactive Online Learning Access Study anywhere, anytime, on any device
Florida Health Pre-licensing
Florida Life Pre-licensing
Florida Life and Health Classroom Pre-licensing Blended Course
Florida Life and Health Livestream Pre-licensing Blended Course
Life and Health
Property and Casualty
Personal Lines
Best Value
Premier
Property and Casualty
The ultimate package including everything you need to pass the first time or your money back. Ideal for those looking to maximize their studying with various learning formats.
XCEL’s 3-Part Training Program
Pre-licensing Course:
An online self-study course that provides the foundational information and satisfies any applicable state requirements
Prep Review Course:
Scales down content to focus solely on the most important material with weighted chapters identical to the state exam
Exam Simulators:
Extended Access:
Online Flashcards
Over 800+ flashcards to test your knowledge of fundamental terms & help reinforce key topics
Recorded Exam Review Class
Play and pause a recorded version of our 1-day Exam Review class to review critical concepts you must master before taking your exam
Prepared to Pass Promise
We're so confident in our ability to prepare you to pass your exam on the first try that we will refund you if you purchase our Premier Package and follow our 3-step process. Click here for terms.
Printable Review Notes Study Calendar 24/7 Interactive Online Learning Access Study anywhere, anytime, on any device
Standard
Property and Casualty
XCEL’s 3-Part Training Program
Pre-licensing Course:
An online self-study course that provides the foundational information and satisfies any applicable state requirements
Prep Review Course:
Scales down content to focus solely on the most important material with weighted chapters identical to the state exam
Exam Simulators:
Extended Access:
Printable Review Notes Study Calendar 24/7 Interactive Online Learning Access Study anywhere, anytime, on any device
Florida Property and Casualty Conversion Course Pre-licensing
Life and Health
Property and Casualty
Personal Lines
Premier
Personal Lines
The ultimate package including everything you need to pass the first time or your money back. Ideal for those looking to maximize their studying with various learning formats.
XCEL’s 3-Part Training Program
Pre-licensing Course:
An online self-study course that provides the foundational information and satisfies any applicable state requirements
Prep Review Course:
Scales down content to focus solely on the most important material with weighted chapters identical to the state exam
Exam Simulators:
Extended Access:
Online Flashcards
Over 800+ flashcards to test your knowledge of fundamental terms & help reinforce key topics
Recorded Exam Review Class
Play and pause a recorded version of our 1-day Exam Review class to review critical concepts you must master before taking your exam
Prepared to Pass Promise
We're so confident in our ability to prepare you to pass your exam on the first try that we will refund you if you purchase our Premier Package and follow our 3-step process. Click here for terms.
Printable Review Notes Study Calendar 24/7 Interactive Online Learning Access Study anywhere, anytime, on any device
Standard
Personal Lines
XCEL’s 3-Part Training Program
Pre-licensing Course:
An online self-study course that provides the foundational information and satisfies any applicable state requirements
Prep Review Course:
Scales down content to focus solely on the most important material with weighted chapters identical to the state exam
Exam Simulators:
Extended Access:
Printable Review Notes Study Calendar 24/7 Interactive Online Learning Access Study anywhere, anytime, on any device
Florida State Insurance Licensing Requirements
HOW TO OBTAIN A FLORIDA INSURANCE PRODUCER LICENSE
Complete the prelicensing course.
-
- Life Only – 40 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
Course requirements:
- 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 and must be successfully passed with a minimum score of 70% before moving onto the next chapter.
Certificate Information
- Completion of the course, practice final exam and the Certification Exam.
- Submit an electronic affidavit acknowledging you were actively engaged in one hundred percent of the course and your participation during the periods of perceived inactivity.
- Download and Print certificate through the “Transcript” tile on the user dashboard.
- Certificates are valid for 3 years.
- Course completion rosters will be reported to the Florida Department of Financial Services within two (2) business days.
Schedule the Florida State examination.
- Registration must be completed online on Pearson Vue website: www.pearsonvue.com/fl/insurance
- Exam fee – $44
- Spanish exams are available
Limitation on repeat examinations:
- There are no limitations on retaking the exam.
Online proctored exams:
- You must check the compatibility of your computer before registering for the exam. https://home.pearsonvue.com/fl/insurance/onvue
- If your computer is not compatible with the online software, you will need to schedule your examination at a Pearson Vue test center.
Pass your state exam
- Take advantage of the cram courses (Prep Review and Exam Simulator) within your prelicensing course during the waiting period.
-
- Prep Review Course: This part of the training features content “boiled down to the essence” of the state exam. Chapters have only a few pages of material, but the content must be mastered to pass. Instructionally designed to teach individuals how to pass, most study effort should be invested here. Chapter exams are substantially larger (50+ questions), providing exposure to the types of questions seen on the state exam.
- Exam Simulator: These special exams are designed to gauge content retention levels. Important: Only take the Exam Simulators after the Prep Review Course has been successfully completed. It ensures these questions will be “fresh in the mind”.
- 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.
Apply for license
- Submit license application online https://dice.fldfs.com/public/pb_index.aspx
- Application fee – $50.00
- State I.D. fee – $5.00
Submit Fingerprints
- The state of Florida requires fingerprinting. To make a fingerprint reservation go to https://fl.ibtfingerprint.com/
- Fingerprint Fee: $48.05 plus tax
- Fingerprint results from other vendors or states are not accepted.
Exam Outlines
| DESCRIPTION | Question Count | % of Exam Questions | ||||||
| Life | Health | Life and
Health |
Life | Health | Life and
Health |
|||
| Life Insurance | ||||||||
| Types of Policies and Features | 14 | 0 | 12 | 14% | 0% | 8% | ||
| Policy Riders, Provisions, Options, and Exclusions | 21 | 0 | 18 | 21% | 0% | 12% | ||
| Completing the Application, Underwriting, and Delivering the Policies | 14 | 0 | 12 | 14% | 0% | 8% | ||
| Taxes, Retirement, and Other Insurance Concepts | 9 | 0 | 8 | 9% | 0% | 5% | ||
| Health Insurance | ||||||||
| Types of Policies | 0 | 16 | 13 | 0% | 16% | 9% | ||
| Policy Provisions, Clauses, and Riders | 0 | 23 | 21 | 0% | 23% | 14% | ||
| Social Insurance | 0 | 4 | 3 | 0% | 4% | 2% | ||
| Other Insurance Concepts | 0 | 5 | 5 | 0% | 5% | 3% | ||
| Field Underwriting Procedures | 0 | 11 | 9 | 0% | 11% | 6% | ||
| Nevada Laws and Rules | ||||||||
| Florida Statutes, Rules and Regulations Common to All Lines | 24 | 23 | 19 | 24% | 23% | 13% | ||
| Florida Statutes, Rules and Regulations Pertinent to Life and Annuity Insurance including Variable Products | 18 | 0 | 15 | 18% | 0% | 10% | ||
| Florida Statutes, Rules and Regulations Pertinent to Health Insurance including Variable Products | 0 | 18 | 15 | 0% | 18% | 10% | ||
| Total for all parts | ||||||||
| Total Questions | 100 | 100 | 150 | 1 | 0.82 | 0.9 | ||
| Total Scored Questions on Exam | 85 | 85 | 135 | 80 | 88 | 144 | ||
| Maximum Time allowed to complete exam in minutes | 120 | 120 | 135 | 120 | 120 | 135 | ||
| Passing Score | 70 | 70 | 70 | 70 | 70 | 70 | ||
| DESCRIPTION | Question
Count |
% of Exam
Questions |
||||||
| General Lines | General Lines | |||||||
| Casualty Insurance | ||||||||
| Types of Policies, Bonds, and Related Terms | 28 | 16% | ||||||
| Insurance Terms and Related Concepts | 16 | 9% | ||||||
| Policy Provisions | 12 | 7% | ||||||
| Property Insurance | ||||||||
| Types of Property Policies | 28 | 16% | ||||||
| Insurance Terms and Related Concepts | 16 | 9% | ||||||
| Policy Provisions and Contract Law | 12 | 7% | ||||||
| Florida Laws and Rules | ||||||||
| Florida Statutes and Regulations common to All Lines | 26 | 15% | ||||||
| Florida Statutes and Regulations common to Property Insurance | 26 | 15% | ||||||
| Florida Statutes and Regulations Pertinent to Casualty Insurance | 11 | 6% | ||||||
| Total for all parts | ||||||||
| Total Questions | 175 | |||||||
| Total Scored Questions on Exam | 160 | 160 | ||||||
| Maximum Time allowed to complete exam in minutes | 135 | 135 | ||||||
| Passing Score | 70 | 70 | ||||||
Producer Licensing Checklist:
| Task: | Date Completed |
| 1. Complete prelicensing course | |
| 2. Register for exam | |
| 3. Pass exam | |
| 4. Apply for License | |
| 5. Submit Fingerprints |
Governing Agency
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
Florida Course Approval Information
Courses provided by XCEL Solutions LLC. Approved Provider ID #369206.
The Florida Pre-licensing Education Health and Accident 2-40 Course, Course Offering ID #1116479, has been approved by the Florida Department of Financial Services as the mandatory 2-40 PLE 40-hour course.
The Florida Pre-licensing Education Life and Variable Annuity 2-14 Course, Course Offering ID #1116481, has been approved by the Florida Department of Financial Services as the mandatory 2-14 PLE 40-hour course.
The Florida Pre-licensing Education Life, Health and Variable Annuity 2-15 Course, Course Offering ID #1116480, has been approved by the Florida Department of Financial Services as the mandatory 2-15 PLE 60-hour course.
The Florida Life and Health Pre-licensing Blended Course, Course Offering ID #1173749, has been approved by the Florida Department of Financial Services as the mandatory 2-15 PLE 60-hour course.
The Florida Property and Casualty Pre-licensing course, Course Offering ID #1165077, has been approved by the Florida Department of Financial Services as the mandatory 200-hour 2-20 General Lines License pre-licensing course.
The Florida Personal Lines Pre-licensing course, Course Offering ID #1172973, has been approved by the Florida Department of Financial Services as the mandatory 60-hour 2044 Personal Lines License pre-licensing course.
The Florida Property and Casualty Conversion Pre-licensing Course, Course Offering ID #1117554, has been approved by the Florida Department of Financial Services as the mandatory 2-20 Conversion PLE 40-hour course.
Please refer to the Florida licensing qualifications for full licensing requirements.
Working as an Insurance Agent
Property and Casualty Insurance Agents
What can you expect working as an agent? Property and casualty insurance agents work with clients to help secure policies that protect people and businesses from financial loss.
For individuals many of these events include automobile accidents, fire, theft. For businesses these events can include the same as individuals but can also include workers’ compensation claims, product liability claims, or medical malpractice claims.
Life Insurance Agents
What can you expect from working as an Insurance agent? Life insurance agents work with clients to help secure policies that pay beneficiaries when a policyholder passes away. Life insurance agents also can help people prepare for retirement by offering certain types of annuities.
Health and long-term care insurance agents work with clients to help secure policies that cover the costs of medical care and assisted-living services. They also can help clients secure dental insurance and disability insurance.
Why Students Choose XCEL
XCEL is the nation’s online insurance education industry leader. We provide you with all the tools and study material you will need to pass the state exam the first time. We understand how people learn and incorporate every detail of our knowledge to help you succeed.
Wide Variety
of Study Options
Proven
System
XCEL offers a unique three-step training program instructionally designed to prepare you to pass the first time.
Pass
Rates
XCEL is the nation’s most trusted provider of test-prep solutions for insurance industry licensing exams. Our courses are built around questions similar to those seen on the exams.
Don’t Delay, Start Today!
View insurance courses below to find out what pre-licensing courses are required for your state.