Florida Insurance License — Exam Prep & Requirements

Regulated by Florida Department of Financial Services. Pearson VUE administers all Florida insurance exams. Florida uses its own license codes rather than the usual line names — 2-15 is Life & Health, 2-20 is General Lines (P&C), 20-44 is Personal Lines.

Exam fee

$44

Paid to Pearson VUE when you book. The $50 license application fee and $5 identification fee go to the Department separately — they are not part of the exam fee.

Passing score

70%

Same for every line in this state

L&H pre-licensing

60 hours

2-15 · 165-minute exam

P&C pre-licensing

200 hours

2-20 · 180-minute exam

PL pre-licensing

60 hours

20-44 · 120-minute exam

Verified 2026-09-23 against FL DFS — 2-15 Resident Health, Life & Annuity Agent (60-hour course), FL DFS — 2-20 Resident General Lines (200-hour course), FL DFS — 20-44 Resident Personal Lines (60-hour course) and Pearson VUE — Florida Insurance Licensing Candidate Handbook (#121000).

Pick your line in Florida

Each line is a separate license and separate exam. We mirror the FL content outline.

Not sure which one you need? Read the national overview for Life & Health (L&H), Property & Casualty (P&C) or Personal Lines (PL).

Life & Health

L&H

Sell life, accident & health insurance products. Covers policy provisions, riders, annuities, medical expense and disability coverage, plus state-specific regulations.

Open FL L&H prep

Property & Casualty

P&C

Sell property, casualty, auto and commercial lines insurance. Covers homeowners, commercial property, liability coverage, business owner policies, and underwriting fundamentals.

Open FL P&C prep

Personal Lines

Sell personal auto, homeowners, dwelling, and inland marine policies to individuals. A focused subset of P&C with shorter pre-licensing requirements in most states.

Open FL PL prep

Florida Insurance License FAQ

How do I get an insurance license in Florida?

Complete pre-licensing education (60 hours for L&H, 200 hours for P&C, 60 hours for Personal Lines), pass the state exam, complete a background check, and apply for licensure with Florida Department of Financial Services. Pearson VUE administers all Florida insurance exams. Florida uses its own license codes rather than the usual line names — 2-15 is Life & Health, 2-20 is General Lines (P&C), 20-44 is Personal Lines.

How much does the Florida insurance exam cost?

The exam is $44 per attempt. Paid to Pearson VUE when you book. The $50 license application fee and $5 identification fee go to the Department separately — they are not part of the exam fee. Pre-licensing courses and the license application are billed separately.

Who regulates insurance licensing in Florida?

Florida Department of Financial Services (FL DFS) handles all producer licensing, exam approval, and continuing education in Florida.

Can I take more than one insurance line at a time in Florida?

Yes — most candidates take L&H and P&C separately, but you can schedule both on the same day if you’re ready. Personal Lines is a faster subset of P&C if you only plan to sell to individuals.

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