Florida Health Insurance License: Everything You Need to Know

Becoming a licensed health insurance agent in Florida can be a lucrative and rewarding career choice. Although the process can seem daunting at first, with the right preparation and guidance, obtaining a Florida health insurance license can be a relatively smooth process.

What is a Florida Health Insurance License?

A Florida health insurance license authorizes an individual to sell insurance policies within the state of Florida. The license is issued by the Florida Department of Financial Services, which regulates the insurance industry in the state.

Obtaining a health insurance license in Florida requires meeting certain educational requirements, passing an exam, and submitting an application to the state. Once licensed, agents can sell a variety of health insurance products, including individual, group, and Medicare plans.

How to Obtain a Florida Health Insurance License

Educational Requirements

Before applying for a Florida health insurance license, individuals must complete a pre-licensing course approved by the state. This course covers topics including insurance law, policy provisions, and ethics, and is designed to prepare individuals for the state licensing exam.

The course can be taken in person or online, and typically requires 40 hours of instruction time. Upon completion, individuals will receive a certificate of completion, which is required to sit for the licensing exam.

Licensing Exam

The Florida health insurance licensing exam is administered by the state’s testing provider, Prometric. The exam consists of 150 multiple-choice questions, with a passing score of 70%. The questions cover a range of topics, including insurance policy provisions, state and federal insurance regulations, and ethical practices.

The exam can be taken at a Prometric testing center or online, and individuals must bring their certificate of completion from the pre-licensing course and a valid form of identification.

Licensing Application

After passing the licensing exam, individuals must submit a licensing application to the Florida Department of Financial Services. The application requires providing personal information, proof of completion of the pre-licensing course and passing the licensing exam, and a fee.

Individuals must also undergo a criminal background check and provide proof of insurance or a bond. Once approved, individuals will receive their Florida health insurance license.

Frequently Asked Questions

How much does it cost to obtain a Florida health insurance license?

The cost of obtaining a Florida health insurance license varies depending on the pre-licensing course and licensing exam fees, as well as the licensing application fee. In total, individuals can expect to pay several hundred dollars.

How long does it take to obtain a Florida health insurance license?

The total time it takes to obtain a Florida health insurance license varies depending on the individual’s pace in completing the pre-licensing course, scheduling and passing the licensing exam, and submitting the licensing application. In general, the process can take several weeks to a few months.

What types of health insurance can I sell with a Florida health insurance license?

With a Florida health insurance license, individuals can sell a variety of health insurance products, including individual, group, and Medicare plans. However, it is important to note that certain products may require additional certifications or training, such as long-term care insurance.

Conclusion

Obtaining a Florida health insurance license is a worthwhile investment for those interested in pursuing a career in the insurance industry. With the right preparation and guidance, individuals can successfully navigate the licensing process and begin selling health insurance policies within the state of Florida.