Florida
Florida insurance licensing: requirements, renewal, and agency rules
Florida licenses don't run on a fixed renewal term — once issued, a license stays valid indefinitely and only lapses if it goes 48 consecutive months without an active appointment (Fla.
- CE hours
- 24 hours (4 ethics)
- Application fee
- $50
Overview
Florida licenses don't run on a fixed renewal term — once issued, a license stays valid indefinitely and only lapses if it goes 48 consecutive months without an active appointment (Fla. Stat. § 626.431(3)). Continuing education, by contrast, is owed every two years by the licensee's birth month (Fla. Stat. § 626.2815), so the CE clock and the license-expiration clock run independently. Florida also grants unusually broad prelicensing waivers — an insurance-heavy college degree, an industry designation like CLU or CPCU, or a year of licensed experience in a reciprocal state can exempt an applicant from the hour-based prelicensing course, though the state exam is still required in most of those paths.
How to get licensed
Confirm which license you need, and whether prelicensing applies to you
Florida requires an hour-based prelicensing course for most lines (30 hours for Life, 60 for Health & Life combined, 200 for General Lines), but waives it if you hold a qualifying degree with insurance credit hours, an industry designation (CLU, ChFC, CPCU, FLMI, and others), or a year of licensed experience in a reciprocal state applied for within 90 days of establishing Florida residency. Check your specific license PDF on the DFS licensing page — the exemption paths differ by license type.
Complete prelicensing education, if required
Take the state-approved course for your line through an approved provider. Florida Administrative Code Rule 69B-227.260 requires course providers to issue a study manual to every prelicensing student.
Register for and pass the state exam
Florida's exam vendor is Pearson VUE — register at pearsonvue.com/us/en/fl/insurance.html. You get five attempts per exam type in any rolling 12-month period, and a passing score is valid for one year from the date earned (source: DFS Examinations page).
Get fingerprinted
Florida uses IdentoGO by Idemia, not Pearson VUE, for fingerprinting. Electronic LiveScan runs $49.50 (state, FBI, and vendor fees combined) plus local sales tax; a fingerprint-card mail-in option is $50.75 plus tax. Results are valid 12 months for new applicants and 48 months for currently licensed Florida agents adding a line (source: DFS Fingerprinting Information).
Apply for your license
Florida residents apply through the state's own MyProfile portal, which feeds into NIPR's national system. The general application fee is $50 ($10 for Title agents); military members, spouses, and veterans are fee-exempt (source: DFS Fee Schedule). Applying to Florida as a non-resident? InsureTrek files it for you for the state fee.
Line up a carrier appointment
A Florida license isn't valid to transact business without an active appointment (Fla. Stat. § 626.112(4)). Appointment cost is $60, plus $6 per county for nonresidents physically transacting business there.
Prelicensing education
Life (incl. Annuities & Variable Contracts): 30 hours — Multiple exemption paths available; see DFS 2-14 license page. Health & Life (combined): 60 hours — Or a combination of the 30-hour life course plus a 40-hour health course; see DFS 2-15 license page. General Lines (P&C): 200 hours — Alternate paths: 1 year bona-fide P&C employment, or 1 year as a licensed Customer Rep/Personal Lines/Service Rep plus a 40-hour course. Waived for a qualifying insurance-related degree (9–18 semester hours depending on license), named industry designations (CLU, ChFC, FLMI, CPCU, and others), or a year of licensed reciprocal-state experience applied for within 90 days of establishing Florida residency. The 6-20 All-Lines Adjuster license has no hours-based prelicensing course at all — only exam, designation, degree, an existing General Lines license, or a letter-of-clearance transfer qualify.
Exam
Vendor: Pearson VUE. Exam fee: $44. 5 attempts per exam type allowed within any rolling 12-month period. Passing score is valid for 1 year from the exam date.
Fingerprinting
Required. Vendor: IdentoGO by Idemia. Fee: $49.5. Electronic LiveScan fee is $49.50 (state, FBI, and vendor portions) plus local county sales tax; mail-in fingerprint card option is $50.75 plus tax. Results valid 12 months for new applicants, 48 months for currently licensed/appointed Florida agents adding a license.
Fees
| Fee | Initial | Renewal |
|---|---|---|
| Resident individual producer license, most lines Florida licenses don't expire on a fixed cycle, so there's no separate license renewal fee. Military members, spouses, and veterans are fee-exempt. | $50 | — |
| Resident Title agent license | $10 | — |
| Non-resident individual producer license Plus $5 per line of authority, per NIPR's non-resident page; not shown on the DFS fee schedule. | $50 | — |
| Carrier appointment Renews every 24 months during the appointee's birth month. Nonresidents add $6 per county actually transacted in. Late original appointments carry a $250 penalty; late renewals carry a $25 penalty. | $60 | $60 |
Fees as of 2026-08-21. Fees change without much notice. When you apply through InsureTrek, we always use the current fee at the moment of application. Sources: DFS — Fee Schedule, NIPR — Florida Non-Resident Licensing, Individual
Renewal & CE
Renewal window — Florida licenses don't expire on a fixed cycle — a license only lapses after 48 consecutive months without an active appointment (Fla. Stat. § 626.431(3)). Continuing education, however, is owed every two years, due by the end of the licensee's birth month (Fla. Stat. § 626.2815). Appointments themselves renew every 24 months during the appointee's birth month.
License expiration and CE obligations run on separate clocks in Florida: a license can stay technically active for years past a missed CE deadline as long as it remains appointed, though DFS can take administrative action for CE non-compliance independent of the 48-month appointment lapse rule. Under Fla. Stat. § 626.2815(5), DFS can grant an extension of up to a year for CE that isn't completed on time, for good cause shown, on request.
24 total CE hours per renewal term, including 4 ethics hours.
Title agents substitute a 3-hour Ethics/Rules/Compliance course for the general 4-hour Law & Ethics update.
| Line | Hours | Notes |
|---|---|---|
| Life / Health / Life & Health / General Lines / Personal Lines | 24 | — |
| Public Adjuster / All-Lines Adjuster | 24 | — |
| Customer Representative | 10 | — |
| Title | 10 | Title agents take 3 hours of Ethics/Rules/Compliance instead of the general 4-hour Law & Ethics update. |
| Limited Surety / Bail Bond | 14 | — |
For agencies and non-residents
Agencies, appointments & DRLP
Any business location where someone performs a function requiring an agent license must itself hold an insurance agency license (Fla. Stat. §§ 626.749, 626.112). Every agency must name a Designated Responsible Licensed Producer (DRLP) — an individual who holds an active Florida license and at least one active appointment in a major line (Life, Health, General Lines, or Personal Lines) — and is filed through MyProfile rather than through NIPR, since Florida does not license business entities through NIPR.
A Florida license has no force to transact business without an active appointment (Fla. Stat. § 626.112(4)); appointments renew every 24 months during the appointee's birth month. Appointment cost is $60 for both resident and nonresident agents, plus $6 per county for nonresidents physically transacting business in that county. Late-filed original appointments carry a $250 penalty per appointment; late renewals carry a $25 penalty per appointment.
Appointments — Deadlines: Appointment renewal runs on a 24-month cycle tied to the appointee's birth month. Original and renewal appointments filed late are subject to DFS penalties ($250 and $25 per appointment respectively).
Managing DRLPs across states? See how InsureTrek handles it →
Non-residents
Florida accepts non-resident applications through InsureTrek. If you've held an equivalent resident license in a reciprocal state for the prior 4 years and apply for Florida licensure more than 90 days after establishing Florida residency, prelicensing is waived but the state exam is still required; applying within 90 days of residency with a continuous year on the reciprocal license waives both prelicensing and the exam. Non-resident appointment costs mirror resident appointments ($60) plus $6 per county actually transacted in. A separate application track exists for applicants without a home state. Florida does not process non-resident license renewals through NIPR.
Apply for a non-resident Florida license through InsureTrek, plus the state fee.
Official resources
Terms used on this page
Sources & disclaimer
This guide is informational and summarizes publicly available state and NIPR licensing rules as of 2026-08-21. Requirements change — verify current rules with the Florida Department of Financial Services, Division of Insurance Agent and Agency Services or NIPR before you rely on anything here.
Official NIPR reseller · Applications filed through InsureTrek are submitted via NIPR.
- DFS — 2-14 Resident Life Agent License — accessed 2026-08-19
- DFS — 2-20 Resident General Lines — accessed 2026-08-19
- DFS — 6-20 Resident All Lines Adjuster License — accessed 2026-08-19
- DFS — Contact Us — accessed 2026-08-19
- DFS — Continuing Education by license type — accessed 2026-08-19
- DFS — Examinations — accessed 2026-08-19
- DFS — Fee Schedule — accessed 2026-08-21
- DFS — Fingerprinting Information — accessed 2026-08-19
- DFS — General Lines Agents & Customer Representatives — accessed 2026-08-19
- DFS — Insurance Agent and Agency Services — accessed 2026-08-19
- DFS — Insurance Licensing Information — accessed 2026-08-19
- Fla. Stat. § 626.2815 – Continuing education — accessed 2026-08-21
- MyProfile application portal — accessed 2026-08-19
- NIPR — Florida Non-Resident Licensing / Individual — accessed 2026-08-19
- NIPR — Florida Resident Licensing / Business — accessed 2026-08-19
FAQs
How much does a Florida insurance license cost?
The DFS application fee is $50 for most license types ($10 for Title agents; waived for military members, spouses, and veterans). Add fingerprinting ($49.50 for electronic LiveScan) and a $60 carrier appointment fee once you're ready to write business — prelicensing course and exam costs are separate and vary by provider.
Do I need prelicensing education to get a Florida insurance license?
For most license types, yes — 30 hours for Life, 60 for combined Health & Life, or 200 for General Lines. But Florida waives the course if you hold a qualifying insurance degree, an industry designation like CLU or CPCU, or a year of licensed experience in a reciprocal state applied for within 90 days of moving to Florida.
Does my Florida insurance license expire?
Not on a fixed schedule. A Florida license only lapses if it goes 48 consecutive months without an active carrier appointment. Continuing education is still owed every two years by your birth month, independent of that 48-month clock.
How do I get licensed in Florida if I already hold a license in another state?
Apply as a non-resident through InsureTrek. If you've held an equivalent resident license in a reciprocal state for the past 4 years, Florida's prelicensing requirement is waived (though the exam usually isn't); applying within 90 days of establishing Florida residency with a year of prior licensure can waive both.
Who is my exam vendor and how do I register?
Pearson VUE administers Florida's insurance licensing exams for a $44 fee. Register directly through Pearson VUE's Florida insurance testing page. You get 5 attempts per exam type within any rolling 12-month period, and a passing score stays valid for 1 year.
How do I look up whether a Florida agent or agency is licensed?
Use the Florida DFS license lookup at licenseesearch.fldfs.com, which searches active and inactive agents, adjusters, and agencies by name or license number.
What is a Designated Responsible Licensed Producer (DRLP) in Florida?
Every licensed Florida insurance agency must name one DRLP — a licensed individual with an active appointment in a major line who is responsible for the agency's compliance. Agency applications are filed through MyProfile rather than NIPR, since Florida doesn't license business entities through NIPR's system.
Does Florida license insurance adjusters?
Yes. Independent adjusters, company-employee adjusters, and public-adjuster apprentices are all licensed under the Resident All-Lines Adjuster license (6-20); public adjusters hold a separate license (3-20). An adjuster can hold only one adjuster license and one adjuster appointment at a time.
See how InsureTrek handles Florida licensing at scale.
Renewals, CE, and appointments tracked across every state your producers write in.