How to Apply for a Florida Life and Health Insurance License

Overview

Florida's Department of Financial Services (DFS) regulates life and health insurance licensing. The process is distinct from other states in its reliance on the Florida Insurance Licensing System (FILS) and the requirement for a Florida pre‑licensing education package. The goal is to ensure applicants understand state laws, ethical practices, and product knowledge before selling to Floridians.

Eligibility and Core Requirements

To qualify, you must be at least 18, a U.S. citizen or lawful permanent resident, and have no disqualifying criminal convictions related to fraud or dishonesty. Applicants must complete a 20‑hour Florida pre‑licensing education course approved by the DFS, pass a state‑specific exam, and submit a background check. The education package covers Florida statutes, ethics, and product types.

Application Steps

• Register for the Florida Insurance Licensing System (FILS) and create an account.
• Enroll in and finish the 20‑hour pre‑licensing course; keep the completion certificate.
• Schedule and pass the Florida Life & Health Exam (usually offered 3–4 times a year).
• Submit the online application through FILS, attaching the exam score and education certificate.
• Provide fingerprints for the background check via the DFS portal.
• Pay the application fee ($105 for individuals, $250 for employers).

Fees and Timeline

The total cost ranges from $105 to $250, depending on whether you're applying as an individual or a company. After submission, the DFS typically processes the application within 7–10 business days. Once approved, the license is valid for two years and must be renewed by completing a 20‑hour continuing education requirement and submitting a renewal fee of $105.

Common Pitfalls to Avoid

Many applicants lose time by:

• Submitting incomplete fingerprints or using a non‑approved background service.
• Forgetting to attach the pre‑licensing completion certificate.
• Missing the exam deadline; the exam must be taken within 90 days of course completion.
• Overlooking the renewal deadline; a lapse can result in a temporary suspension.

Resources and Next Steps

After receiving your license, register with the Florida Insurance Agency Database (FIAD) to advertise your services. Maintain good standing by adhering to the Florida Insurance Code and completing annual continuing education. For detailed forms and updates, visit the DFS website or contact the Florida Insurance Licensing Hotline.