Florida Insurance Licensing
Florida life insurance license guide.
Current 2026 requirements.
Florida's Department of Financial Services (DFS) issues two common resident licenses that include life insurance: the 2-14 Life (including Annuities & Variable Contracts) license and the 2-15 Health & Life (including Annuities & Variable Contracts) license.
- License
- 2-14 Life or 2-15 Health & Life
- Regulator
- Florida Dept. of Financial Services
- Required course
- 30 hrs (2-14) · 60 hrs (2-15)
- Minimum age
- 18
- Appointment
- Required for license to be valid
- CE
- 24 hrs every 2 years
- Last verified
- September 2026
Resident licensing path
Getting a Florida Life license.
- 01
Confirm eligibility
DFS requires applicants to be at least 18, a bona fide Florida resident, a U.S. citizen or legal alien with work authorization, and not hold a resident license in another state. - 02
Complete the prelicensing course
2-14: a 30-hour life and variable contracts course. 2-15: a 60-hour life and health course including variable annuities. Either must be completed within four years of applying. Designation and degree alternatives are listed by DFS. - 03
Apply online
Answer the application questions and pay DFS's fees. Course providers send proof of completion to DFS within 21 days. - 04
Get fingerprinted
Fingerprints are required. Fingerprinting fees are paid directly to the vendor. - 05
Take the state exam when authorized
DFS sends an exam authorization to your MyProfile account. Follow its instructions to schedule. - 06
Get appointed
The license requires an appointment to be valid (s. 626.112(4), F.S.).
State fees
Florida Life license fees.
DFS publishes its application fees on its fee page, and fingerprint fees are paid to the vendor. We haven't reproduced amounts here — check DFS before applying.
After licensing
The license is where the operating process begins.
- 01License issued
- 02Carrier contracting / appointments
- 03Final Expense Elite onboarding
- 04Leads matched to licensed states
Funeral-establishment limits
Funeral directors, direct disposers and funeral-establishment employees generally cannot hold this license. A limited exception covers policies for final disposition or prearrangement up to $21,000 (s. 626.785, F.S.).
Official resources
The regulator is the authority.
Other state guides
FAQ
Florida licensing questions
Which Florida license covers final expense?
Final expense is life insurance. The 2-14 Life license and the 2-15 Health & Life license both include life insurance. The 2-15 also covers health.
How many prelicensing hours does Florida require?
DFS lists a 30-hour course for the 2-14 and a 60-hour course for the 2-15, completed within four years of applying.
In what order does Florida's process run?
DFS's steps have you apply online first. Once approved, DFS sends an exam authorization through MyProfile.
Do I need fingerprints?
Yes. Fingerprinting fees are paid to the vendor, separately from DFS fees.
Is the license active once issued?
It requires an appointment to be valid, and it expires if unappointed for 48 months.
What CE does Florida require?
24 hours every two years, due by the end of your birth month.
Am I licensed once I apply?
No. Submission is not approval. DFS decides whether to issue the license.
Start with the license
Understand the Florida process. Then build the system.
Final Expense Elite helps developing agents connect licensing resources with sales training, technology onboarding, lead infrastructure, and a structured development roadmap. Florida licensing approval and requirements are determined by the Florida Department of Financial Services.