Florida Insurance License Requirements: What You Need to Know

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Obtaining an insurance license in Florida can be a rewarding career move, offering opportunities in a dynamic and growing industry. However, navigating the licensing process can be complex. This article will guide you through the Florida insurance license requirements, helping you understand what you need to do to become a licensed insurance professional in the Sunshine State.


Eligibility Requirements

To apply for an insurance license in Florida, you must meet certain eligibility requirements:

  • Age: Be at least 18 years old
  • Residency: Be a resident of Florida or have a principal place of business in Florida
  • Citizenship: Be a U.S. citizen or have a valid work visa

Insurance License Types

  • Florida offers various insurance licenses, including:
  • Life, Health, and Variable Annuities (LHVA)
  • Property and Casualty (PC)
  • Personal Lines (PL)
  • Title Insurance (TI)
  • Surplus Lines (SL)

Licensing Requirements

To obtain an insurance license in Florida, you must:

Education and Training

  • Complete the required pre-licensing education course (see below)
  • Pass the state licensing exam

Pre-Licensing Education

  • LHVA: 60 hours of education
  • PC: 60 hours of education
  • PL: 52 hours of education
  • TI: 40 hours of education
  • SL: 12 hours of education

Exam Requirements

  • Pass the state licensing exam for your chosen license type
  • Exam questions cover insurance laws, regulations, and industry knowledge

Background Check

  • Submit fingerprints and undergo a criminal background check

Application and Fees

Submit the licensing application and pay the required fees

Fees vary by license type (see below)


  • LHVA: $50 application fee, $43.75 fingerprint fee
  • PC: $50 application fee, $43.75 fingerprint fee
  • PL: $50 application fee, $43.75 fingerprint fee
  • TI: $50 application fee, $43.75 fingerprint fee
  • SL: $50 application fee, $43.75 fingerprint fee


Q: How long does it take to get an insurance license in Florida?

A: The licensing process typically takes 2-6 weeks after submitting your application.

Q: Can I waive the pre-licensing education requirement?

A: Yes, if you have a Bachelor’s degree in insurance or a related field, you may be eligible for a 

Q: How long is the insurance license valid?

A: Florida insurance licenses are valid for 2 years, after which you must complete continuing education requirements to renew.

Q: Can I apply for a Florida insurance license if I have a criminal record?

A: It depends on the nature of the crime and how long ago it occurred. Florida law requires the Department of Financial Services to consider certain factors, such as the severity of the crime and the applicant’s rehabilitation, when determining eligibility for licensure. You may need to provide additional documentation and undergo a more thorough review process.

Q: How do I renew my Florida insurance license?

A: To renew your Florida insurance license, you must complete the required continuing education (CE) hours (see below), submit a renewal application, and pay the renewal fee. CE requirements vary by license type, but generally include 5-10 hours of approved courses every 2 years. You can check your CE requirements and submit your renewal application through the Florida Department of Financial Services’ online portal.


Obtaining an insurance license in Florida requires meeting specific eligibility requirements, completing education and training, passing the licensing exam, and submitting your application. By following these steps and understanding the licensing process, you can start your career as a licensed insurance professional in Florida. Remember to stay up-to-date with continuing education requirements to maintain your license and stay competitive in the industry.

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