FLORIDA LICENSING GUIDE · VERIFIED AUGUST 14, 2026
Short answer: For the standard Florida 2-15 resident path, an eligible applicant completes a 60-hour approved life-and-health course within four years of applying, submits the state application and prerequisite proof, completes fingerprints, receives exam authorization, passes the authorized exam, and resolves any application deficiencies. Florida also recognizes documented alternative qualification and exam-exemption paths.
Official sources: Florida DFS: 2-15 resident qualification sheet · Pearson VUE: Florida insurance licensing exams
Understand the standard resident path for Florida's Health & Life (Including Annuities & Variable Contracts) Agent License, along with the official alternatives and post-license duties that can change your sequence.
By NHP University Editorial Team · Review method · Florida DFS and Pearson VUE sources reviewed August 14, 2026
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Turn the official qualification path into a printable course, application, fingerprint, authorization, and exam checklist.
Keep SSNs, fingerprints, identification copies, application credentials, and other sensitive records out of this worksheet.
START WITH THE EXACT CREDENTIAL
Florida calls this credential the 2-15 Resident Health & Life (Including Annuities & Variable Contracts) Agent License. Its authority includes life insurance, health insurance, health maintenance organization business, annuity contracts, and variable contracts within the scope of Florida law and the agent's insurer relationships.
The 2-15 is broader than Florida's health-only 2-40 or life-and-annuity 2-14 licenses. Choose it because the target role and products call for the combined authority—not simply because it is the broadest option. Carrier appointment, securities registration for variable products, and product-specific training can remain separate requirements.
| Checkpoint | Standard 2-15 resident requirement | Important qualification |
|---|---|---|
| Eligibility | Natural person, at least 18, bona fide Florida resident, and otherwise eligible under the DFS qualification sheet | The sheet also addresses citizenship/work authorization, other resident licenses, and occupation restrictions |
| Education | 60-hour approved life-and-health course including variable annuity insurance | Must be completed within four years of the application date on the standard course path |
| State processing | Application, fees, prerequisite proof, fingerprints, and examination authorization | Fingerprinting fees are paid to the vendor and are separate from the application |
| Examination | Pass the authorized Florida Health and Life and Annuity exam unless an official exemption applies | A course completion certificate by itself is not a license |
Sources for this section: Florida DFS: 2-15 resident qualification sheet · Florida DFS: agent and adjuster qualifications
STANDARD FIRST-TIME PATH
Follow the sequence in the current DFS qualification sheet. A transfer, designation, college-credit, or reciprocity route can change the education or exam requirement.
Read every condition on the DFS 2-15 qualification sheet, including residency, age, work authorization, other resident licenses, and statutory occupation restrictions.
Most first-time applicants use the 60-hour approved course. DFS also lists combinations of approved education and designations, qualifying college credit, resident-license transfers, reciprocity, and a CLU route with different exam treatment.
On the standard path, finish the correct 60-hour course within four years of applying. Verify the provider and course in Florida's official course search before paying.
Complete the online application, answer disclosure questions accurately, and pay the listed state fees. The DFS sheet directs applicants to apply before its prerequisite-proof and fingerprint steps.
The education provider generally reports a passing course completion to DFS within 21 days; designation or other proof may require direct submission. Complete fingerprints through the authorized process.
When DFS approves the exam step, it sends a MyProfile message with scheduling instructions. Do not assume that course completion alone authorizes testing.
Pearson sends the result to DFS. Monitor MyProfile for deficiencies and final approval, then confirm the license record and any required appointment before transacting insurance.
Sources for this section: Florida DFS: 2-15 resident qualification sheet · Florida DFS: agent and adjuster qualifications
PEARSON VUE EXAM FACTS
Pearson's current Florida program page is the source of truth for scheduling. Its candidate handbook supplies the exam code, timing, fee, scoring, and retake policy below.
| Exam fact | Current published detail | What to do |
|---|---|---|
| Exam code | InsFL-LHA05 in English; InsFL-LHA05S in Spanish | Schedule only the exam authorized for your application |
| Time allowed | 2 hours 45 minutes | Arrive early with identification matching the Pearson registration |
| Exam fee | $44 per reservation in the current handbook | Recheck before booking because vendor fees can change |
| Passing score | 70% | Use the current content outline and approved study-manual coverage |
| Retake limit | Five attempts for the same exam type in a 12-month period | Each failed attempt requires a new reservation and fee |
Sources for this section: Pearson VUE: Florida insurance licensing exams · Pearson VUE: Florida insurance candidate handbook
LICENSURE IS NOT THE FINAL STEP
Florida's qualification sheet says the 2-15 license requires an appointment to be valid. A printed license does not create an insurer relationship or authority for every product.
The standard published requirement is 24 hours biennially by the end of the licensee's birth month. Florida's education page identifies a 4-hour 5-215 law-and-ethics update within that requirement; reductions or reciprocity can affect some licensees.
The DFS qualification sheet states that the license expires if it remains unappointed for 48 months. Check MyProfile rather than relying on an old certificate or employer record.
Variable products, annuities, Medicare, ACA Marketplace work, and long-term-care business may bring securities, training, contracting, or annual-certification duties beyond the 2-15 license.
Sources for this section: Florida DFS: 2-15 resident qualification sheet · Florida DFS: continuing education for licensees
COMMON QUESTIONS
The standard qualification path lists a 60-hour approved course for life and health, including variable annuity insurance, completed within four years of the application date. Florida also lists alternative qualification paths, so verify which one applies to you.
The current DFS qualification sheet places application, prerequisite proof, and fingerprints before examination authorization. It tells applicants to follow the MyProfile authorization message to schedule, unless a different documented situation applies.
Pearson's Florida candidate handbook lists 70% as the passing score for Florida insurance examinations. Confirm the current handbook before your reservation.
The current Pearson handbook limits a candidate to five attempts for the same examination type during a 12-month period. A new fee applies to each reexamination.
No. Approved education can satisfy one prerequisite, but DFS controls the application, background review, exam, and final license decision. Employment, carrier appointment, and income are separate outcomes.
Not by itself. Medicare sales can also require annual federal training/testing, carrier or product certification, contracting, appointment, and compliance with current marketing and enrollment rules.
COMPARE THE COURSE TO THE OFFICIAL PATH
NHP University's Florida 2-15 course is the relevant education destination for this path. Confirm current provider/course approval, included materials, reporting, access, support, and refund terms before enrolling.
This guide is educational and does not guarantee a license, job, appointment, client, income, or regulatory outcome. Requirements and programs change; confirm current rules with the responsible regulator, agency, employer, exchange, or carrier.
Published 2026-08-14. Last modified 2026-08-14. Florida DFS and Pearson VUE sources reviewed August 14, 2026.
Initial publication: reviewed Florida eligibility, education, exam, fingerprint, application, appointment, and continuing-education steps against official sources.
See the editorial and corrections policy.
