Florida Insurance License Classes Online

Looking for an Florida insurance school? XCEL is the nation’s leading online insurance license school. XCEL has you covered with high-quality Florida insurance license courses, industry expertise and convenience. All of XCEL's Florida courses are approved by the Florida Office of Insurance Regulation.
Online Course

Florida Life and Health Pre-licensing

$199.00
Online Course

Florida Life Pre-licensing

$199.00
Online Course

Florida Health Pre-licensing

$199.00

Florida Property and Casualty

$299.00
Online Course

Florida Property and Casualty Conversion Course Pre-licensing

$199.00

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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.

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

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

Our programs offer E-books, videos, simulated state exams, flashcards, review notes, and the best instructor support in the industry.

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.