An insurance agent must be licensed by the department and appointed by an appropriate appointing entity or person.
$5
Taught or successfully completed 200 hours of coursework in property, casualty, surety, health, and marine insurance approved by the department, 3 hours of which must be on the subject matter of ethics
Pass the department's written licensing examination unless a statutory exemption applies.
Completed at least 1 year in responsible insurance duties as a substantially full-time bona fide employee in all lines of property and casualty insurance as set forth in the definition of a general lines agent under s. 626.015 , but without the education requirement described in paragraph (a)
Last verified Oct 25, 2026
Florida Department of Financial Services
“Department” means the Department of Financial Services.Official source
No person may be, act as, or advertise or hold himself or herself out to be an insurance agentOfficial source
Life-agent applicants must be at least 18.
Must be a natural person of at least 18 years of age.Official source
Taught or successfully completed 200 hours of coursework in property, casualty, surety, health, and marine insurance approved by the department, 3 hours of which must be on the subject matter of ethics
Taught or successfully completed 200 hours of coursework in property, casualty, surety, health, and marine insurance approved by the department, 3 hours of which must be on the subject matter of ethicsOfficial source
Completed at least 1 year in responsible insurance duties as a substantially full-time bona fide employee in all lines of property and casualty insurance as set forth in the definition of a general lines agent under s. 626.015 , but without the education requirement described in paragraph (a)
Completed at least 1 year in responsible insurance duties as a substantially full-time bona fide employee in all lines of property and casualty insurance as set forth in the definition of a general lines agent under s. 626.015 , but without the education requirement described in paragraph (a)Official source
Pass the department's written licensing examination unless a statutory exemption applies.
The department may not issue any license as agent or adjuster to any individual who has not qualified for, taken, and passed to the satisfaction of the department a written examination of the scope prescribed in s. 626.241Official source
Nonresident applicants with a comparable license in another state having similar examination requirements are exempt from the Florida examination.
An applicant for a license as a nonresident agent if the applicant holds a comparable license in another state with similar examination requirements as this state.Official source
Review the official instructions for your situation before applying.
Open the official agency pageAn insurance agent must be licensed by the department and appointed by an appropriate appointing entity or person.
No person may be, act as, or advertise or hold himself or herself out to be an insurance agent, insurance adjuster, or customer representative unless he or she is currently licensed by the department and appointed by an appropriate appointing entity or person.Official source
Life prelicensing coursework routes include 30 hours in life insurance, annuities and variable contracts or at least 60 hours in multiple insurance areas including those subjects; either includes 3 ethics hours.
Successfully completed 30 hours of coursework in life insurance, annuities, and variable contracts approved by the department, 3 hours of which shall be on the subject matter of ethics. Courses must include instruction on the subject matter of unauthorized entities engaging in the business of insurance; (2) Successfully completed a minimum of 60 hours of coursework in multiple areas of insurance, which included life insurance, annuities, and variable contracts, approved by the department, 3 hours of which shall be on the subject matter of ethics.Official source
Health prelicensing coursework routes include 40 hours in health insurance or at least 60 hours in multiple insurance areas including health; either includes 3 ethics hours.
Successfully completed 40 hours of coursework in health insurance, approved by the department, 3 hours of which shall be on the subject matter of ethics. Courses must include instruction on the subject matter of unauthorized entities engaging in the business of insurance, to include the Florida Nonprofit Multiple-Employer Welfare Arrangement Act and the Employee Retirement Income Security Act, 29 U.S.C. ss. 1001 et seq., as it relates to the provision of health insurance by employers to their employees and the regulation thereof; (2) Successfully completed a minimum of 60 hours of coursework in multiple areas of insurance, which included health insurance, approved by the department, 3 hours of which shall be on the subject matter of ethics.Official source
After 48 months without an appointment for a licensed class, an individual must qualify as a first-time applicant before receiving another appointment for that class.
An individual who fails to maintain an appointment with an appointing entity writing the class of business listed on his or her license during any 48-month period shall not be granted an appointment for that class of insurance until he or she qualifies as a first-time applicant.Official source
The appointing entity renews appointments in the individual's birth month and every 24 months thereafter, with the required appointment fees and taxes.
The appointment of an appointee continues in force until suspended, revoked, or otherwise terminated, but is subject to a renewal request filed by the appointing entity in the appointee’s birth month as to natural persons or the month the original appointment was issued as to entities and every 24 months thereafter, accompanied by payment of the renewal appointment fee and taxes as prescribed in s. 624.501Official source
The license-specific CE update covers insurance law updates, ethics, disciplinary trends and case studies, industry trends, premium discounts and product suitability.
include the following subject areas: insurance law updates, ethics for insurance professionals, disciplinary trends and case studies, industry trends, premium discounts, determining suitability of products and servicesOfficial source
Standard CE is a 4-hour license-specific update plus 20 elective hours every two years. After at least six licensed years, the elective requirement is 16 hours.
Each licensee except a title insurance agent must complete a 4-hour update course every 2 years which is specific to the license held by the licensee. ... (a) Except as provided in paragraphs (b), (c), (d), (e), (i), and (j), each licensee must also complete 20 hours of elective continuing education courses every 2 years. (b) A licensee who has been licensed for 6 or more years must also complete a minimum of 16 hours of elective continuing education every 2 years.Official source
Have a license or permit? Use the expiration date printed on it to set up your calendar and reminders.
$50
All insurance representatives, application for license, application for reinstatement of suspended license, each filing, filing fee .......... $50.00Official source
$5
Issuance, reissuance, reinstatement, modification resulting in a modified license being issued, duplicate copy of any insurance representative license, or an appointment being reinstated .......... $5.00Official source
Confirm the charges and conditions for your application with the official agency.
$5
Issuance, reissuance, reinstatement, modification resulting in a modified license being issued, duplicate copy of any insurance representative license, or an appointment being reinstated .......... $5.00Official source
Last verified Oct 25, 2026
Last verified Oct 25, 2026. Each quotation supports the corresponding published value.
Florida Department of Financial Services
Florida Department of Financial Services
“Department” means the Department of Financial Services.Official source
Last verified Oct 25, 2026
https://www.flsenate.gov/Laws/Statutes/2026/626.112
No person may be, act as, or advertise or hold himself or herself out to be an insurance agentOfficial source
Last verified Oct 25, 2026
Life-agent applicants must be at least 18.
Life-agent applicants must be at least 18.
Must be a natural person of at least 18 years of age.Official source
Last verified Oct 25, 2026
Taught or successfully completed 200 hours of coursework in property, casualty, surety, health, and marine insurance approved by the department, 3 hours of which must be on the subject matter of ethics
One general-lines qualification route is 200 hours of approved coursework in property, casualty, surety, health and marine insurance, including 3 ethics hours.
Taught or successfully completed 200 hours of coursework in property, casualty, surety, health, and marine insurance approved by the department, 3 hours of which must be on the subject matter of ethicsOfficial source
Last verified Oct 25, 2026
Completed at least 1 year in responsible insurance duties as a substantially full-time bona fide employee in all lines of property and casualty insurance as set forth in the definition of a general lines agent under s. 626.015 , but without the education requirement described in paragraph (a)
A general-lines alternative is at least one year of substantially full-time responsible insurance duties in all property/casualty lines, without the 200-hour education requirement.
Completed at least 1 year in responsible insurance duties as a substantially full-time bona fide employee in all lines of property and casualty insurance as set forth in the definition of a general lines agent under s. 626.015 , but without the education requirement described in paragraph (a)Official source
Last verified Oct 25, 2026
Pass the department's written licensing examination unless a statutory exemption applies.
Pass the department's written licensing examination unless a statutory exemption applies.
The department may not issue any license as agent or adjuster to any individual who has not qualified for, taken, and passed to the satisfaction of the department a written examination of the scope prescribed in s. 626.241Official source
Last verified Oct 25, 2026
$50
50
All insurance representatives, application for license, application for reinstatement of suspended license, each filing, filing fee .......... $50.00Official source
Last verified Oct 25, 2026
$5
5
Issuance, reissuance, reinstatement, modification resulting in a modified license being issued, duplicate copy of any insurance representative license, or an appointment being reinstated .......... $5.00Official source
Last verified Oct 25, 2026
Standard CE is a 4-hour license-specific update plus 20 elective hours every two years. After at least six licensed years, the elective requirement is 16 hours.
Standard CE is a 4-hour license-specific update plus 20 elective hours every two years. After at least six licensed years, the elective requirement is 16 hours.
Each licensee except a title insurance agent must complete a 4-hour update course every 2 years which is specific to the license held by the licensee. ... (a) Except as provided in paragraphs (b), (c), (d), (e), (i), and (j), each licensee must also complete 20 hours of elective continuing education courses every 2 years. (b) A licensee who has been licensed for 6 or more years must also complete a minimum of 16 hours of elective continuing education every 2 years.Official source
Last verified Oct 25, 2026
Nonresident applicants with a comparable license in another state having similar examination requirements are exempt from the Florida examination.
Nonresident applicants with a comparable license in another state having similar examination requirements are exempt from the Florida examination.
An applicant for a license as a nonresident agent if the applicant holds a comparable license in another state with similar examination requirements as this state.Official source
Last verified Oct 25, 2026
An insurance agent must be licensed by the department and appointed by an appropriate appointing entity or person.
An insurance agent must be licensed by the department and appointed by an appropriate appointing entity or person.
No person may be, act as, or advertise or hold himself or herself out to be an insurance agent, insurance adjuster, or customer representative unless he or she is currently licensed by the department and appointed by an appropriate appointing entity or person.Official source
Last verified Oct 25, 2026
Life prelicensing coursework routes include 30 hours in life insurance, annuities and variable contracts or at least 60 hours in multiple insurance areas including those subjects; either includes 3 ethics hours.
Life prelicensing coursework routes include 30 hours in life insurance, annuities and variable contracts or at least 60 hours in multiple insurance areas including those subjects; either includes 3 ethics hours.
Successfully completed 30 hours of coursework in life insurance, annuities, and variable contracts approved by the department, 3 hours of which shall be on the subject matter of ethics. Courses must include instruction on the subject matter of unauthorized entities engaging in the business of insurance; (2) Successfully completed a minimum of 60 hours of coursework in multiple areas of insurance, which included life insurance, annuities, and variable contracts, approved by the department, 3 hours of which shall be on the subject matter of ethics.Official source
Last verified Oct 25, 2026
Health prelicensing coursework routes include 40 hours in health insurance or at least 60 hours in multiple insurance areas including health; either includes 3 ethics hours.
Health prelicensing coursework routes include 40 hours in health insurance or at least 60 hours in multiple insurance areas including health; either includes 3 ethics hours.
Successfully completed 40 hours of coursework in health insurance, approved by the department, 3 hours of which shall be on the subject matter of ethics. Courses must include instruction on the subject matter of unauthorized entities engaging in the business of insurance, to include the Florida Nonprofit Multiple-Employer Welfare Arrangement Act and the Employee Retirement Income Security Act, 29 U.S.C. ss. 1001 et seq., as it relates to the provision of health insurance by employers to their employees and the regulation thereof; (2) Successfully completed a minimum of 60 hours of coursework in multiple areas of insurance, which included health insurance, approved by the department, 3 hours of which shall be on the subject matter of ethics.Official source
Last verified Oct 25, 2026
After 48 months without an appointment for a licensed class, an individual must qualify as a first-time applicant before receiving another appointment for that class.
After 48 months without an appointment for a licensed class, an individual must qualify as a first-time applicant before receiving another appointment for that class.
An individual who fails to maintain an appointment with an appointing entity writing the class of business listed on his or her license during any 48-month period shall not be granted an appointment for that class of insurance until he or she qualifies as a first-time applicant.Official source
Last verified Oct 25, 2026
The appointing entity renews appointments in the individual's birth month and every 24 months thereafter, with the required appointment fees and taxes.
The appointing entity renews appointments in the individual's birth month and every 24 months thereafter, with the required appointment fees and taxes.
The appointment of an appointee continues in force until suspended, revoked, or otherwise terminated, but is subject to a renewal request filed by the appointing entity in the appointee’s birth month as to natural persons or the month the original appointment was issued as to entities and every 24 months thereafter, accompanied by payment of the renewal appointment fee and taxes as prescribed in s. 624.501Official source
Last verified Oct 25, 2026
The license-specific CE update covers insurance law updates, ethics, disciplinary trends and case studies, industry trends, premium discounts and product suitability.
The license-specific CE update covers insurance law updates, ethics, disciplinary trends and case studies, industry trends, premium discounts and product suitability.
include the following subject areas: insurance law updates, ethics for insurance professionals, disciplinary trends and case studies, industry trends, premium discounts, determining suitability of products and servicesOfficial source
Last verified Oct 25, 2026
Not yet verified: renewal — see the official agency.
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Last verified Oct 25, 2026.
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