Florida 2-15 License: Prelicensing & CE Courses Online

Getting your Florida insurance license involves four steps. First, complete a state-approved prelicensing course (60 hours for the combined Life & Health line). Second, pass the Florida state licensing exam administered by Pearson VUE — you need a score of at least 70% to pass. Third, complete a background check, including fingerprinting. Fourth, Submit your application through the National Insurance Producer Registry (NIPR) and pay the Florida Department of Financial Services application fee of $50. Most candidates complete the entire process in 2-4 weeks. JustInsurance offers fully online, self-paced prelicensing courses approved for Florida that get you to exam day confident and prepared.

The total cost to get your Florida insurance license typically runs $350-500 estimated total cost. Here is how it breaks down: the Pearson VUE exam fee is $44, the Florida Department of Financial Services application fee is $50, and a background check adds a small additional cost. If you need a prelicensing course, JustInsurance's Florida combined Life & Health package is $199 — that's $199 less than purchasing Life and Health courses separately. Everything you need to get licensed, with no hidden fees.

Most focused candidates complete the Florida insurance licensing process in 2-4 weeks. That timeframe covers finishing your prelicensing course (you get 30 days of access; most students finish in 5–10 days), scheduling and passing the Pearson VUE state exam, clearing your background check, and waiting for the Florida Department of Financial Services to process your application. The Pearson VUE exam delivers results quickly — most candidates receive their score before leaving the testing center. JustInsurance's self-paced format lets you move as fast or as steady as your schedule allows.

JustInsurance students nationwide pass insurance licensing exams at a rate of approximately 93% on their first attempt — measured among students who complete the full course, finish the recommended study hours, and score 80%+ three times in a row on the practice exam before testing. The Florida exam is administered by Pearson VUE and requires a minimum score of 70% to pass. If you do not pass on your first attempt, you can retake it after scheduling your next available test date, as there is no mandatory waiting period between attempts. You are limited to 5 exam attempts per exam type within a 12-month rolling period. After reaching 5 attempts, you must wait until the 12-month window resets before testing again. See our full pass rate methodology at /pass-rates.

Insurance agents in Florida earn an average of $80,300 per year according to Bureau of Labor Statistics data. New agents starting out typically earn around $38,420 in their first year while building a client base, and top producers in Florida can earn $132,250 or more annually. Demand for new insurance producers remains steady in Florida. Income is heavily influenced by the lines of authority you hold and whether you work as a captive or independent agent — the combined Life & Health license unlocks the broadest product range and highest earning potential.

The Florida 2-15 Life, Health & Annuity license is Florida's primary combined license for agents selling life insurance, annuity products, and health insurance. The '2-15' designation refers to the specific chapter and section of Florida Statutes that governs this license. It is one of Florida's most sought-after licenses because it allows agents to sell a broad range of products. Florida also requires specific additional training for LTC products (8 hours initial), annuities (4 hours), and NFIP flood coverage (3 hours) beyond the core prelicensing requirement.