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Have you been looking to get into the insurance game but don’t know how? Are you looking to build a recession-proof career that provides unlimited upside potential? Don’t worry, we got you covered. In this guide, I will tell you how to get an insurance license in Florida, and a few tools to get you started in the insurance game, let’s get straight into it!
Step 1: Basic Requirements
Before starting, ensure you meet these basic criteria:
- Be at least 18 years old.
- Be a legal Florida resident.
- Be a U.S. citizen or hold legal work authorization.
- Not be employed by the VA or a state service office.
- Not currently hold a resident license in another state.
Step 2: Meet Prerequisites
You’ll need to complete one of the following pathways to qualify:
- Pre-licensing Course
- Enroll in and complete a 40-hour state-approved course on health insurance.
- Pass the state licensing exam.
- Earn an Approved Designation
Achieve a professional designation such as:
- Certified Employee Benefit Specialist (CEBS)
- Chartered Healthcare Consultant (ChHC)
- Health Insurance Associate (HIA)
- Registered Employee Benefits Consultant (REBC)
- Registered Health Underwriter (RHU)
- Obtain a College Degree
Have a degree that includes nine credit hours of insurance instruction with a focus on health insurance. This prerequisite exempts you from the state exam.
- Transfer a License
If you recently moved to get an insurance license in Florida:
- Apply within 90 days: No exam required.
- Apply after 90 days: You must pass the state exam unless your license is from a reciprocal state.
- Provide a CLU Designation
Submit proof of a Chartered Life Underwriter (CLU) designation to waive the exam requirement.
Step 3: Apply Online
Complete the online application, answer the required questions, and pay the associated fees.
Step 4: Submit Proof of Prerequisites
Send your course or proof of designation to the licensing department. Some providers will automatically submit proof on your behalf.
Step 5: Get Fingerprinted
Fingerprinting is a required step for all applicants. Fees are separate and paid to the fingerprinting vendor.
Step 6: Pass the Exam
If applicable, schedule and pass the state exam. Details will be sent to your email after application approval.
Step 7: Monitor Your Application
Check the status of your application in your MyProfile account. Once approved, you can print your license directly from the portal.
Additional Information
Continuing Education Requirements
Every two years, you must complete 24 hours of continuing education to maintain your license.
License Appointment Requirement
Your license requires an active appointment to remain valid. Licenses will expire if unappointed for 48 months.
License Restrictions
A 2-40 license cannot be held alongside licenses for:
- Credit Life and Disability Insurance
- Motor Vehicle Physical Damage
- Credit Insurance
For more information, visit MyFlorida CFO.
Like this article? Check out this one on Understanding Riders: How To Customize Life Insurance For Family Needs.
Agents
- We hope that this information on getting an insurance license in Florida was useful to you.
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Vohny Figueroa joined Empower Brokerage in 2023 and came on as the department Videographer. With a strong eye for composition, and a keen eye for detail, Vohny helps the Marketing team create great content.
