Florida's 214 life insurance license is administered by the Florida Department of Financial Services (DFS), specifically its Office of Insurance Regulation (OIR). The DFS oversees licensing, continuing education, and compliance for agents selling life insurance in the state. To obtain the license, applicants must meet education, examination, and background‑check requirements, then submit their application through the DFS's online portal.
More from this site
Keep reading the latest coverage
Key Responsibilities of the Florida Department of Financial Services
The DFS, through the OIR, handles all aspects of the 214 license:
- Processing initial applications and renewals
- Administering the state licensing exam
- Maintaining the public record of licensed agents
- Enforcing compliance with state insurance statutes
- Providing consumer protection resources
Steps to Obtain a Florida 214 Life Insurance License
1. Pre‑licensing Education
Complete 20 hours of approved coursework covering life insurance fundamentals, ethics, and Florida insurance law.
2. Pass the State Exam
Register for the exam through Pearson VUE. A passing score of 70% or higher is required.
3. Submit Application
Log in to the DFS's online licensing portal, fill out the 214 application, and upload proof of education, exam results, and a fingerprint‑based background check.
4. Pay Fees
Initial licensing fee: $125; renewal fee (every two years): $150.
Renewal and Continuing Education
Licenses must be renewed biennially. Renewal requires 24 hours of continuing education (CE), including 3 hours of ethics.
| Requirement | Detail | Source Type |
|---|---|---|
| Initial Fee | $125 | DFS fee schedule |
| Renewal Fee | $150 (every 2 years) | DFS fee schedule |
| CE Hours | 24 hours (including 3 ethics) | DFS CE guidelines |
Where to Find Official Resources
The DFS website provides downloadable forms, exam schedules, and a searchable database of licensed agents. For direct assistance, contact the OIR licensing hotline at 1‑877‑693‑2100.
Common Questions
- Can I hold a 214 license if I already have a 2‑15 (life & health) license? Yes; the 214 is a specific designation for life insurance only and can be added to an existing license.
- How long does the application process take? Typically 7‑10 business days after submission of all required documents.
- Do I need a separate license for annuities? Yes; annuities require the 2‑15 (life & health) license with an additional annuity endorsement.