Florida insurance license: pre-licensing, exam and fees
Last checked October 17, 2026 · Sources: Florida DFS agent licensing and exam pages; Pearson VUE Florida insurance. Exam fee, question counts, attempt limits and pre-licensing hours as summarized from the Pearson VUE Florida candidate handbook by several approved schools, which agree; confirm in the handbook.
A Florida insurance license requires DFS-approved pre-licensing education before you test, which is more than many states ask: 60 hours for the popular 2-15 Life, Health and Variable Annuity license and 200 hours for the 2-20 General Lines (property and casualty) license. The Pearson VUE exam costs $44 per attempt and needs 70% to pass, and DFS charges a $50 application fee plus a $5 license ID fee.
Common Florida license classes
| Class | License | Pre-licensing | Exam |
|---|---|---|---|
| 2-15 | Health and Life, including annuities and variable contracts | 60 hours | 165 questions (150 scored), 2 hours 45 minutes |
| 2-20 | General Lines (property and casualty) | 200 hours | Longer exam; see the handbook |
| 20-44 | Personal Lines | 60 hours | See the handbook |
| 2-14 / 2-40 | Life only / Health only | Sources differ; check DFS | 100 questions (85 scored) |
Class codes as used by Florida DFS. Hours and question counts as summarized from the Pearson VUE handbook by approved schools; confirm with DFS.
Every Florida insurance exam includes 15 unscored pretest questions, and the exam has a general section on insurance products and a state section on Florida laws and rules. Schools citing the handbook say calculators aren’t needed.
How to get a Florida insurance license
Take a DFS-approved course for your license class and get a certificate of completion: 60 hours for 2-15 or 200 hours for 2-20.
Apply through your MyProfile account on the DFS website and pay the $50 application fee and $5 license ID fee.
Reserve your exam at pearsonvue.com/fl/insurance and pay $44. Book at least 24 hours ahead, or 5 days ahead if paying by electronic check.
Get fingerprinted through IdentoGO and complete licensing. A passing score is valid for one year.
Retakes and score validity
- Five attempts in 12 months: schools citing the handbook say you can take the same exam no more than five times in a one-year period.
- Each retake costs $44.
- Score validity: a passing score is valid for one year, so finish licensing in that time.
- Exam reviews: you can arrange a review of a failed exam with Pearson VUE within 90 days of your exam date, according to schools citing the handbook.
What a Florida insurance license costs
| Item | Cost |
|---|---|
| Pre-licensing course | Varies by provider |
| Pearson VUE exam | $44 per attempt |
| DFS application and license ID | $50 + $5 |
| Fingerprints (IdentoGO) | Varies; see IdentoGO |
| Exam and state fees, first-time pass | $99 plus fingerprints and course |
Exam and DFS fees as summarized from the handbook; course and fingerprint costs vary. Totals are our sums.
Common questions about the Florida insurance license
Do I need a course before the Florida exam?
Yes, for agent licenses. Florida requires DFS-approved pre-licensing education before the exam: 60 hours for 2-15 and 200 hours for 2-20.
Who runs the Florida insurance exam?
Pearson VUE, for the Florida Department of Financial Services.
How much is the Florida insurance exam?
$44 per attempt, paid to Pearson VUE when you book.
What is the passing score for the Florida insurance exam?
70% of the scored questions.
How many times can I take the Florida exam?
Up to five times in a 12-month period, paying $44 each time, according to schools citing the handbook.
See our Insurance Licensing guide and the Texas insurance license page to compare. We first checked these sources on October 12, 2026 and rechecked them on October 17, 2026. MockTestPrep is independent and is not affiliated with Florida DFS or Pearson VUE.