Florida Insurance License Cost & Timeline (2026 Guide)

For the standard Florida 2-14 resident life license path, the current fixed exam, state, and resident fingerprint fees are about $148.50 plus county tax before the required course: $44 for one Pearson VUE exam attempt, $55 in state application and license-identification fees, and $49.50 plus applicable county sales tax for LiveScan.

Add the price of a Florida-approved 30-hour life and variable-contracts course. Using TPG's advertised $149 course price, the working total is about $298 plus fingerprint tax before optional study materials or retakes.

This guide is for Florida's resident 2-14 Life (Including Annuities & Variable Contracts) license. The 2-15 life-and-health path has different education and exam requirements.

Florida 2-14 License Cost Breakdown

| Required item | Current amount | | --- | ---: | | Approved 30-hour 2-14 course | Varies by provider; TPG advertises a $149 option | | Pearson VUE exam | $44 per attempt | | Florida application fee | $50 | | License-identification fee | $5 | | Resident IdentoGO LiveScan | $49.50 plus applicable county sales tax | | Working total with the advertised $149 course | About $298 plus fingerprint tax |

Optional study materials, exam retakes, errors and omissions insurance, carrier-specific costs, and future continuing education are not included.

Before paying, confirm the exact course in the Florida DFS approved-course search and recheck the state's current fee pages.

Florida 2-14 Prelicensing Requirement

The Florida DFS 2-14 qualification sheet currently requires a 30-hour life and variable-contracts prelicensing course completed within four years before applying, unless an official exemption applies.

That is important because older guides commonly quote 40 hours. Florida's official 2-14 document should control.

Florida 2-14 Exam: Questions, Time, Score, and Fee

Pearson VUE's Florida examination outline effective January 1, 2026 lists:

85 scored questions
10 unscored pretest questions
95 total questions presented
2-hour time limit

The Florida candidate handbook lists a 70% passing score and a $44 fee for each attempt. Pretest questions are mixed into the examination and are not identified.

The same handbook limits candidates to five attempts for the same examination type during a 12-month period.

Florida Fingerprinting Cost

Florida requires fingerprints for the standard resident 2-14 path. The Florida DFS fingerprinting page directs resident applicants to IdentoGO by Idemia and lists $49.50 plus applicable Florida county sales tax for LiveScan.

Fingerprint results generally remain valid for one year for an applicant who does not already hold a valid Florida insurance license. Different rules can apply when an applicant already holds another Florida insurance license.

Florida Application Fees

The Pearson VUE handbook lists a $50 application fee and a $5 license-identification fee, for $55 in state fees.

After meeting the education and exam requirements, submit through Florida DFS MyProfile, provide fingerprints, and watch the account for deficiencies. A Florida agent must also be appointed before transacting insurance.

How Long Does the Florida 2-14 License Take?

Florida does not promise one universal turnaround. Your timeline depends on:

how quickly you complete the 30-hour course;
Pearson VUE appointment availability;
fingerprint processing; and
whether DFS identifies an application deficiency.

Pearson VUE says appointments may be available as soon as one calendar day ahead, subject to availability. Treat any fixed “licensed in two weeks” promise as an estimate, not a guarantee.

What Happens After Florida Issues the License?

Licensing and carrier appointment are separate. The Florida qualification sheet states that the 2-14 license requires an appointment to be valid and can expire after 48 months without an appointment.

Florida also lists 24 hours of continuing education due biennially. The biennial CE cycle should not be confused with a simple two-year license expiration date.

For the remote-agent path, see Sell Insurance From Home in Florida or review the Florida 2-14 licensing requirements page.

Frequently Asked Questions

How much is the Florida 2-14 exam?

Pearson VUE lists the examination fee at $44 per attempt.

How many hours is the Florida 2-14 course?

Florida DFS currently lists a 30-hour approved life and variable-contracts course for the standard resident path, unless an official exemption applies.

How many questions are on the Florida life insurance exam?

The 2026 outline lists 85 scored questions plus 10 unscored pretest questions, for 95 total questions presented in two hours.

Is fingerprinting required?

Yes for the standard resident 2-14 path. Florida DFS lists resident LiveScan at $49.50 plus applicable county sales tax.

Is the 2-14 the same as the 2-15?

No. The 2-14 is Florida's Life (Including Annuities & Variable Contracts) license. The 2-15 adds health authority and has different education and exam requirements.

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