How Do I Get My License
Step 1: Complete a prelicensing course that has been approved by the Department of Insurance. Once you have completed your course, ExamFX will issue a certificate of completion which you may download and print from your online ExamFX account.
Step 2: Apply for your license. Florida resident applicants must use the online application service called MyProfile, accessible here.
Be aware that the state of Florida requires fingerprinting. Candidates must be fingerprinted through IdentoGO by Idemia. You can register, find locations, and pay for fingerprinting by visiting www.L1enrollment.com/FLinsurance. After payment is made, you must submit your fingerprints electronically via LiveScan. A list of locations will be provided to you following registering with IdentoGO. The results of your criminal history check are submitted electronically to Florida Department of Financial Services.
Additional licensing application guidance may be accessed, here. Once your application is complete, the Florida Department of Financial Services will notify you of your license or registration status by email and your MyProfile Account.
Step 3: Schedule your exam with your states testing provider, Pearson VUE. The fastest way to schedule your exam is to do so online at Pearson VUE. You can also schedule your exam over the phone at 274-2020. Your exam may be taken at a physical Pearson Vue examination center or via a remote online proctored exam. Exam fees must be paid at the time of reservation.
Policy Options Riders Exclusions And Provisions 21%
The 2-14 licensing exam will test the following topics on policy options:
- Special policy riders including monthly and premium waivers, return on premiums, and other policy term riders
- Provisions and options on policies with considerations, owners rights, premium payments, reinstatement, incontestability, and reinstatement among other policy riders and exclusions
Knowing the different policy riders, provisions, and exclusions will help you deliver high-quality service to your clients.
Underwriting Application Completion And Policy Delivery 14%
Questions on these topics usually target the following subsections:
- The steps required to complete an insurance policy application form including the required signatures, disclosures of points of sales, consequences of wrong filings, etc
- Insurance underwriter activities include correctly calculating insurable interest, risk classification, fair credit reporting, and medical information and consumer reports
- Correctly explaining policy terms to the recipient when delivering the policy, like explaining policy coverages, provisions, exceptions, and when the policy starts
- Your understanding of contract law, including the elements of a contract, aspect of an insurance contract, and general power and duties of insurance agents
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Why Do Insurance Agents Quit
Most agents quit because they can’t get enough sales to support themselves and their families. The only way to change that is to learn how to get more leads, better leads, and follow up on them. People go on fact-finding missions online. They don’t care who answers their question, as long as they get answers.
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Description:This Florida-approved 2-14 Life & Variable Annuity Insurance Agent pre-licensing course is offered entirely online including the course final exam. This course provides everything you need to successfully prepare for Floridas life insurance license examination and to satisfy the 40-hour life insurance pre-license education requirement. Upon successful completion of this course, you will be eligible to sit for the state examination . Work at your own pace with your instructor available by email or telephone.
Course Provider: Florida Insurance CollegeFLDFS Provider #: 371609
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Heres What Some of Our Clients Have to Say:
XCEL is a phenomenal company to work with! We love the course materials, layout, and the exceptional customer service they provide. Our company passing rates have dramatically improved since changing over to XCEL. We cannot thank them enough for all they do!!
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At Northwestern Mutual we have put our trust in many different companies to assist our potential advisors with the education of Life and Health Insurance. It wasnt until we started using XCEL that we began getting real results. The pass rate for the Ohio State Insurance exam has increased exponentially. Not only that, but the students that have used XCEL find the material easy to comprehend and simple to move about the course work efficiently. We have had a great experience working with the team at XCEL, they are always willing to help assist us in any way they can. I have recommended XCEL to many of my colleagues based on the overall experience that we have had. XCEL has truly changed our recruiting success for the better.
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In addition to XCELs great customer service and support that has been a great help in running a successful agency, their 1st time passer rate is superior to any other schools we have used.
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Complete An Insurance License Application
Once you have passed your state insurance exam you can apply for your insurance license through the Florida Department of Financial Services website. Click the button below and follow the steps to complete your application:
For assistance in creating your account at the Department’s website, or retrieving your username or password to sign in to your account, this page provides a link to an interactive tutorial within the ‘Need Assistance?’ section.
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Health & Life Insurance
To qualify for a 2-15 Health & Life Agent License, an applicant must complete each of the items below and/or meet the associated requirements, as well as sit for their state exam :
Per the Division of Insurance Agent and Agency Services, Bureau of Licensing, an applicant for a 2-15 Health & Life Agent License must:
- Be a natural person at least 18 years of age.
- Be a bona fide resident of Florida.
- Be a United States citizen or legal alien with a work authorization. Review more information about citizenship requirements.
- Not be an employee of the United States Department of Veterans Affairs or state service office, as referred to in Section 626.833, Florida Statutes.
- Not be a funeral director or direct disposer, or an employee or representative thereof, or have an office in or in connection with a funeral establishment.
- NOTE: Review the Special Note section for exceptions to this rule.
Requirements for Successful Processing of Your Application:
To complete an application for license with the Florida Department of Financial Services, Division of Agent and Agency Services with the MyProfile portal.
For information about the license examination, .
Which Insurance Licenses Do You Need
The first step to getting your insurance license is choosing which licenses you need. The most common licenses new insurance agents get are the property & casualty license , life and health insurance license .
The types of insurance products and policies youll be selling will determine which licenses you need. Here are some examples of the types of policies you can market with each license:
- Life and Health Insurance License Life Insurance, Annuities, Medicare, Health Insurance, etc
Most insurance agents and producers choose to get both P& C and L& H licenses, but if you plan on specializing in only one category then you dont need every license.
Insurance adjusters require a separate license. You can find more information on becoming an insurance adjuster here: Florida Insurance Adjuster License
Note:
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Florida Insurance License Exam Locations
Southwest Florida has two testing facilities and they are both in Fort Myers. The nearest other testing facilities are in Sarasota and Fort Lauderdale.
Fort Myers I – Bank of America Building, 11691 Gateway Boulevard, Suite 200, Fort Myers, FL 33913
Fort Myers II Pearson Vue Test Center, 1220 Towne Lake Drive, Unit 40, Fort Myers, FL 33913
What Are The 2
Continuing education classes allow insurance agents to continuously update their insurance skills and expertise by focusing on the latest developments in the insurance industry.
Additionally, CE helps the state of Florida maintain the highest level of professional and ethical behavior amongst its insurance agents.
Here are the 2-14 license CE requirements for Agents with 6 or fewer years of practicing experience:
- 24 hours of CE credit hours including five hours of law and ethics update course every two years
2/14 agent with greater than 6 years of practicing experience:
- 20 hours of CE credit hours including 5 hours of updated law and ethics course every two years
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What Score Is Needed To Pass The Florida Insurance Exam
All Florida Insurance exams are multiple choice and require a 70% score to pass. All exams are administered on a computer at the testing center. You will be provided with a dry erase sheet of paper and an erasable marker to make notes.
The 2-15 Florida Health & Life Agent License exam is 165 questions. 150 questions are scored, while 15 questions are “pretest” or unscored questions. You must get 105 questions correct to pass.
The 2-14 Florida Life Agent License exam is 100 questions. 85 questions are scored, while 15 questions are “pretest” or unscored questions. You must get 60 questions correct to pass.
The 2-40 Florida Health Agent License exam is 100 questions. 85 questions are scored, while 15 questions are “pretest” or unscored questions. You must get 60 questions correct to pass.
What Type Of Skills Do I Need
Since insurance agents determine the needs of their clients, excellent analytical skills are a big plus. Insurance agents regularly talk with clients, youll need to be a very skilled communicator. You need to be self-confident and be willing to take the initiative since youll be seeking out new clients.
Check out Mometrix’s Life & Health Study Guide
Get practice questions, video tutorials, and detailed study lessons
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When I Submit My Florida Insurance License Application What Are They Looking For To Be Able To Approve Me To Get The License
The applicant must make it possible to immediately begin the inquiry as to whether the applicant is honest, truthful, trustworthy, of good character, and bears a good reputation for fair dealings, and will likely make transactions and conduct negotiations with safety to investors and to those with whom the applicant may undertake a relation of trust and confidence. The applicant is required to disclose:
- Whether the applicant has ever been convicted or found guilty of, or entered a guilty plea of nolo contendere or guilty to, regardless of adjudication, a crime in any jurisdiction or if applicant is currently under criminal investigation
- Whether the applicant has ever done business under any other name, or alias, than the name signed on the application, with sufficient information to enable the Commission to investigate the circumstances
- Whether the applicant has had any license, registration or permit to practice any requested profession, occupation, vocation or business revoked, annulled, suspended, relinquished, surrendered or otherwise disciplined in Florida or in any other jurisdiction or if any such proceeding or investigation is now pending and
- Whether the applicant has had an application for an insurance license denied in Florida or in any other jurisdiction or if there is a pending proceeding to deny such application.
What Can I Expect On Test Day
While the day of the test will vary by state, there are some similarities. Youll need to present a photo ID, most likely a government-issued one. You may be required to present your test confirmation to ensure youre taking it at the right day, time, and location. If there were pre-test requirements, you may be asked to provide proof that you successfully completed them.
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What Will My Exam Be Like
Your exam experience is dependent on the line of authority you are testing for but all exams take place by computer. Carefully review the below examination breakdowns to learn important factors like:
Please note that the included testing outlines apply to those courses that ExamFX currently offers. State exams are offered in Spanish. The following ExamFX courses are currently available in Spanish: Florida Agents Life, Florida Agents Health, Florida Agents Health & Life.
Important Study Manual Information: Florida has an official study manual which may be obtained from the following organizations:
Florida Health & Life Study Manual is available from:
National Association of Insurance and Financial Advisors-Florida
PO Box 14365
Review Your Exam Results
This is highly recommended because you won’t have to second guess yourself the next time you see that question. Call PearsonVue at 1-888-274-2020 to schedule a date and time to review your exam results. Exam reviews are available within ninety days of your original examination date. You can view every question you got wrong along with the correct answer. There is no cost to review an exam, but you can only review the last exam attempt one time.
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Whats The 214 Health Insurance Exam Format
The Florida life and variable contract licensure final exam comprises 100 questions with 15 pretest and 85 weighted questions tested over 2 hours.
Pretest questions are randomly distributed in the life license exam and dont affect your final score.
To obtain a life insurance license, you need to secure a 70% pass rate or 60 correct questions in the licensing exam.
Here is a breakdown of the commonly tested topics in the Florida 2-14 license state exam:
Do Not Enroll In A 40
If you enroll and take a 40-hour course, you will not be allowed to take the state exam or obtain your 2-15 Health & Life Agent License. However, the 2-15 License still allows you to sell Fixed and Variable Annuities and all forms of life, Health and Accident insurance policies representing insurers in Florida.
This course is provided by the Florida Insurance Licensing Association and is approved by the State of Florida to provide training for the 2-15 Health & Life Pre-License Course. Provider ID: 364598. Course Offering ID 1053574.
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Don’t Forget Your Guarantee Exam
ExamFX is so confident in the quality of its material that we offer our customers a first-time pass guarantee. If you dont pass the first time around, we will refund your money. To qualify for this offer, you must pass our Guarantee Exam with a score of 80% to determine maximum exam readiness. While completing this portion of your online course is not required, we highly recommend taking this extra step.
Florida Insurance License Faq
How long is the insurance license period in Florida?
Insurance licenses in Florida are perpetual and never expire. License holders must take continuing education classes every two years in order to keep their license current. Learn how to get an insurance license renewal here: Florida Insurance License Renewal
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When Will I Know If I Passed
Depending on the state, you could know as soon as the test is over.
So how to you get through this? Whats the best way to prepare? Where can I find a best-in-class study guide?
Mometrix has a number of tools that can help you study for the Life & Health Exam.
Our comprehensive study guide has been researched by a team of professionals with years of experience helping educators prepare for exams just like this one. The guide provides specifics on how to tackle the questions youll be asked. And, if youre worried at all about buying the guide, dont worry. We offer a 100% risk-free, money-back guarantee.
Our large, easy-to-read flashcards help you learn through repetition, and the questions cover every content area of the exam. Not only that, the cards make it easy for a friend or relative to help quiz you on the questions youll need to know to pass the Life & Health Exam.
Florida Insurance License Exam
The next step after completing all of your pre-license coursework or self-study is to take the insurance exam. You will take one exam for each line of insurance you wish to carry. Life, Accident, & Health 2-15 and Property & Casualty 2-20 lines are combined lines in Florida, so you will take two exams if you wish to attain all of these lines of authority: Property, Casualty, Life, Accident, Health.
This is a proctored test, which means that you will be in a controlled environment with a person watching over you. For people who havent tested in a situation like this should be aware of this fact, and work on taming their nerves prior to sitting for the exam. One great way to get some experience with insurance testing is taking an insurance practice exam.
The fee for each attempt of the exams is $44 . When you show up you must have a photo ID any other documents that the testing facility has asked you to bring.
The Life & Health 2-15 exam consists of one hundred fifty questions, and you have two hours and forty-five minutes to complete the exam. Here is a copy of the exam content outline for the Life & Health 2-15 exam.
The Property & Casualty General Lines 2-20 exam consists of one hundred sixty questions, and you have three hours to complete the exam. Here is a copy of the exam content outline for the Property & Casualty 2-20 exam.
A total score of 70% is required to pass each exam. You have a limit of five attempts at each exam per year.
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