How to Get a Florida Insurance License

Florida Department of Insurance Testing Provider (Pearson VUE)
(850) 413-3137 (888) 274-2020

To find out what type of license you need in Florida, visit

1.Apply for a License

In the state of Florida, you need to apply for your license BEFORE you take the test. You can start and take the Xcel Training, but BEFORE you take the actual exam In Florida you will need to apply for your license first. You need to go to to apply . If you fail to apply prior to taking the test, your license will be delayed upwards to a month.

2. Schedule and Pass a Licensing Exam

Making Exam Reservations

Licensing exams are provided by Pearson VUE. An exam fee must be paid at the time of reservation by credit card, debit card, voucher or electronic check. You can make an exam reservation through the following methods:

  • Online:  Make an online reservation at at least 24 hours before the desired exam date or 5 days in advance if paying by electronic check
  • Phone: (888) 274-2020
    • Before you call, you must have the following:
      • Legal name, address, Social Security number, daytime phone number, and date of birth
      • Name of the exam
      • Preferred  exam date and test center location

What to Bring

Two forms of current signature identification:

  • A primary ID (photograph and signature, not expired) such as a Driver’s License or Passport
  • A secondary ID (signature, not expired) such as a Debit or Credit card

You will not be required to supply a copy of your Certificate of Completion at the exam.

Exam Procedures

  • Report to the test center 30 minutes before the exam to verify identification and be photographed for the score report.
  • No personal items are allowed in the testing room such as cell phones, watches, wallets, or purses.
  • Studying is not allowed in the test center.
  • The test administrator will provide you with materials to make notes or calculations. You may not write on these items before the exam begins or remove these items from the testing room.
  • You will have the opportunity to take a tutorial that will not reduce the exam time.

Exam Format

  • Each major line exam is given in a multiple-choice format.
  • The exam consists of two parts:
    1. The general section deals with basic insurance product knowledge
    2. The state section deals with insurance laws, rules, and regulations, and practices that are unique to Florida
  • Each exam contains “pretest” questions that are mixed in with the scored questions and are not identified. Pretest questions may not be covered in your educational materials and do not affect your final score!
  • The passing score required on each exam is 70%.
  • When you complete the exam, you will receive a score report marked “pass or fail”.
  • Candidates who fail will receive a score report that includes a numeric score, diagnostic and re-testing information.
Florida Exam Information
Exam Code Exam Name/License Type/Class Exam Time Scoreable Questions Pretest Questions Total Questions
12-FL-LHA Life, Variable Annuity and Health Agent (0215) 2 hrs 45 min 150 15 165
12-FL-LIF Life including Variable Annuity Agent (0214) 2 hrs 100 10 110

3. Get Fingerprinted

You can register, find locations, and pay for fingerprinting by visiting or by calling 1-800-528-1358.

For additional information on fingerprinting, go to and click on “Fingerprinting”.