Thinking about a career selling life insurance in Florida? Good news: you don’t need a college degree, and you don’t need experience. What you do need is a license — and the process is more straightforward than most people expect. Here’s exactly how it works in 2026, start to finish.
In short: To become a life insurance agent in Florida you must be 18+, complete a state-approved 60-hour pre-licensing course (the 2-15 or 2-14), pass the state licensing exam (70%+), get fingerprinted for a background check, and apply for your license through the Florida Department of Financial Services. Most people finish in 3–6 weeks and spend roughly $250–$450 total in course, exam, and licensing fees.
What license do you need to sell life insurance in Florida?
In Florida, life insurance is sold under the 2-15 license (Health & Life, including Annuities & Variable Contracts) or the 2-14 license (Life, including Annuities & Variable Contracts). Most agents go for the 2-15 because it lets you sell both life and health products — which means more ways to help each family and more ways to earn.
Step 1 — Meet the basic requirements
To get licensed in Florida you must:
- Be at least 18 years old
- Be a bona fide Florida resident (or apply as a non-resident agent if you live out of state)
- Be a U.S. citizen or a legal alien with work authorization
- Not have disqualifying items on your background check
No degree required. No prior experience required.
Step 2 — Complete your pre-licensing course
Florida requires a state-approved 60-hour pre-licensing course before you can sit for the exam. You can take it online at your own pace, and most people finish in one to two weeks. This is where you learn the fundamentals: policy types, state regulations, ethics, and how the products actually work. When you finish, the provider reports your completion electronically to the Florida Department of Financial Services.
Tip: your upline agency matters here — a good one tells you exactly which course to take and helps you study. (That’s something we do for every Team Bellaire recruit.)
Step 3 — Pass the state licensing exam
After your course, you’ll schedule and sit the Florida licensing exam through Pearson VUE, the state’s testing vendor. It’s multiple choice, and you need a score of 70% or higher to pass. Study the material, take the practice tests, and most people pass on the first attempt. (Florida allows up to five attempts of the same exam within a 12-month period.)
Step 4 — Get fingerprinted & pass a background check
Florida requires an electronic (LiveScan) fingerprint-based background check. You schedule this through IdentoGO — the fee is $48.05 plus any local county sales tax — and your prints are sent to the Florida Department of Law Enforcement. You can complete this step before or after your exam.
Step 5 — Apply for your license
Submit your license application electronically through the Florida Department of Financial Services (MyFloridaCFO.com — the MyProfile portal) and pay the application fee. Once everything clears, you’re officially a licensed life insurance agent. Applications are typically processed in 5–15 business days.
Step 6 — Get appointed and start selling
A license lets you sell — but you sell through carriers, who “appoint” you. This is where joining an agency matters: instead of chasing appointments and figuring out leads on your own, you plug into a system that already has carrier access, leads, and training. → See Team Bellaire’s career opportunities
How long does it take — and what does it cost?
| Step | Typical time | Typical cost |
|---|---|---|
| Pre-licensing course (60 hrs, online) | 1–2 weeks | ~$100–$300 |
| Study + schedule exam | a few days–2 weeks | practice tests included |
| State exam (Pearson VUE) | same day | $44 |
| Fingerprint / background (IdentoGO) | a few days | ~$48 + county tax |
| License application (DFS / MyProfile) | 5–15 business days | $55 (+ ~$2.45 fee) |
| Total | ~3–6 weeks | ~$250–$450 |
Compared to almost any other career with six-figure earning potential, that’s a remarkably low barrier to entry.
After you’re licensed: the part nobody tells you
Getting licensed is the easy part. The thing that actually determines whether you succeed is who you work with next. A new agent alone with a license and no leads, no mentor, and no system usually washes out. A new agent with a proven process, real leads, and a coach in their corner has a real shot at building something.
That’s the entire reason Team Bellaire exists. We take newly licensed (and soon-to-be-licensed) agents and give them the leads, training, and mentorship that turn a license into an income.
Start your career with a team behind you → (recruiter code 140227)
Florida life insurance license FAQ
How long does it take to get a life insurance license in Florida?
Most people complete the whole process — the 60-hour course, exam, background check, and application — in about 3 to 6 weeks, depending on how quickly they study.
How much does it cost to get licensed?
Expect roughly $250–$450 total: the pre-licensing course (~$100–$300), the $44 exam, the ~$48 fingerprint fee, and the $55 license application.
Do I need a degree or experience?
No. You must be 18 with a clean-enough background; no degree or prior experience is required.
Is the Florida life insurance exam hard?
It’s a serious exam, but very passable if you complete the 60-hour pre-licensing course and use the practice tests. You need 70% to pass, and most people who prepare pass on the first try.
Can I get licensed if I live outside Florida?
Yes — you can apply as a non-resident agent, or get licensed in your home state. Our model works remotely across the country. → Remote & work-from-home life insurance sales jobs
What’s the difference between the 2-15 and 2-14 license?
The 2-14 covers life and annuities; the 2-15 adds health. Most agents choose the 2-15 for the broader product range.
Ready to turn that license into a career?
We’ll help you get licensed and then show you how to actually earn with it.
Join Team Bellaire (code 140227) → See how much agents make →