How long does it take to get a life insurance license in Florida?

Most candidates finish the 40-hour Florida 2-14 Life Agent pre-licensing course in 1 to 2 weeks studying part-time, then schedule the Pearson VUE state exam. Including fingerprinting and Florida DFS application processing, the typical timeline is 3 to 5 weeks from start to license issuance.

How much does a Florida life insurance license cost?

Budget approximately $300 total: pre-licensing course ($50-$150), $44 Pearson VUE exam fee, $55 license application fee, and roughly $49 for IdentoGO fingerprinting. The Price Group reimburses qualifying course costs after your first sale.

What is the passing score on the Florida life insurance exam?

The Florida 2-14 Life Agent exam contains 100 scored questions and requires a 70% score to pass. Candidates have 2 hours to complete it. Pearson VUE delivers the result on screen immediately after submission.

What is the difference between the Florida 2-14 and 2-15 license?

The 2-14 Life Agent license (40 hours of pre-licensing) authorizes you to sell life insurance, fixed annuities, and final expense - the products TPG agents focus on. The 2-15 Life, Health & Variable Annuity license (60 hours) adds health insurance and variable products. Most TPG agents start with the 2-14 and add health later if they want to sell Medicare or under-65 health.

Do I need to be a Florida resident to get a Florida license?

No. Florida issues non-resident licenses to agents already licensed in good standing in their home state. The non-resident application is filed through NIPR with no additional Florida pre-licensing required.

How to Get Your Life Insurance License in Florida

40 hours of pre-licensing, 100-question state exam, about $300 all-in. Here is the exact path.

Verified against the Florida Department of Financial Services on May 13, 2026.

Free Florida Licensing Roadmap

A printable step-by-step PDF covering pre-licensing, fingerprinting, the Pearson VUE exam, and what to do the week your license arrives.

40 hrs

Pre-licensing hours

100 Qs

Exam questions

70%

Passing score

~$300

Total cost estimate

Typical timeline: 2 to 4 weeks

Path options: Documented here: 2-14 Life Agent (40 hours) - the Life-Only path TPG agents use. Higher-tier alternatives: 2-15 Life, Health & Variable Annuity (60 hours) for agents who want health authority, or designation substitution (ChFC, FLMI, CLU, CEBC).

Already licensed in Florida?

Skip the licensing details. See how Florida agents are building remote insurance businesses with The Price Group.

How to sell insurance from home in Florida

5 Steps to Get Licensed in Florida

Follow this exact sequence to go from zero to fully appointed agent.

1
Complete pre-licensing education
Finish your state-approved pre-licensing course online. Most students complete it in under a week with focused study.
Start the JustInsurance Course
2
Schedule your Florida state exam
Register through Pearson VUE, the testing partner for the Florida Department of Financial Services. Pick a testing center near you or, in most states, a remote-proctored slot.
Schedule with Pearson VUE Visit Florida Department of Financial Services
3
Pass the Florida life insurance exam
Show up early, bring two valid IDs, and use the JustInsurance practice tests beforehand. Most students who follow the study plan pass on the first attempt.
Retake policy: Candidates who fail may retake the exam at the next available appointment. The full $44 exam fee applies to each attempt. There is no waiting period or cap on attempts under current Florida rules.
4
Submit your license application
After passing, file your application through NIPR or your state's online portal. Background check and fingerprinting are usually required.
Fingerprinting: IdentoGO (IDEMIA): Florida DFS service code required at appointment
5
Get appointed with carriers
A license alone does not let you sell. You need carrier appointments. The Price Group handles contracting with 20+ A-rated carriers so you can start writing business right away.

Want this written out as a printable checklist?

Florida Licensing Cost Breakdown

Everything you can expect to pay to get fully licensed in Florida.

Item	Cost
Pre-licensing course (JustInsurance)	$39
Florida state exam fee	$44
License application fee	$55
Background check / fingerprinting	$49
Estimated total	~$300

Costs are estimates based on the most current published fees and may change. Verify with your state's Department of Insurance before paying.

License term

2 years

CE hours per renewal

24 hrs (5 ethics)

Official CE rules

Reciprocity

Florida grants non-resident licenses to agents licensed and in good standing in their home state, with no additional pre-licensing required. A separate non-resident application is filed through NIPR.

Insurance agent career outlook in Florida

What licensed insurance sales agents earn in Florida, plus where the work is.

Typical Florida salary range

$42,000 - $98,000

Top metros

Miami-Fort Lauderdale
Tampa-St. Petersburg
Orlando

Source: U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics, Insurance Sales Agents (occupation code 41-3021). National occupational averages, not income guarantees. Individual agent results vary significantly based on effort, market, and experience.

Remote work note: The Price Group is a remote-first agency. Agents in Florida can work from anywhere in the state and write business through telesales, not door-to-door.

Florida Licensing FAQ

Quick answers to the most common questions about getting licensed in Florida.

Why agents choose The Price Group

Once you are licensed, the next decision is who you go to market with. The Price Group is built for life insurance agents who want a real system, not an MLM.