Insurance License Florida: A Beginner’s Guide

If you’re considering a career in insurance, Florida is a great place to start. Florida’s insurance industry is booming and offers a variety of opportunities for professionals looking to enter the field. However, before you can begin working in the insurance industry, you must obtain the necessary licenses. This guide will provide an overview of insurance licensing in Florida, including the types of licenses available, the requirements for obtaining a license, and the steps you need to take to get licensed.

Types of Insurance Licenses in Florida

There are several types of insurance licenses available in Florida, including:

Depending on your interests and career goals, you may need to obtain one or more of these licenses. Keep in mind that the requirements for each license may differ, so it’s important to do your research before you begin the licensing process.

Requirements for Obtaining a Florida Insurance License

In order to obtain an insurance license in Florida, you must meet the following requirements:

Pre-License Education

You must complete a pre-license education course for the type of license you wish to obtain. These courses are offered by approved providers and cover the material that will be covered on the licensing exam. The length of the course may vary depending on the license type, but it typically ranges from 40-60 hours.

Licensing Exam

After completing the pre-license education course, you must pass a licensing exam. The exam is administered by a third-party testing provider and covers the material covered in the pre-license education course. The exam consists of 100-150 multiple-choice questions and you must score at least 70% to pass.

Fingerprinting and Background Check

You must undergo a fingerprinting and background check as part of the licensing process. This is done to ensure that you do not have a criminal record that would prevent you from obtaining a license.

Licensing Fees

You must pay a licensing fee to the Florida Department of Financial Services (DFS) in order to obtain your license. The fee varies depending on the type of license you are obtaining.

Steps to Get Licensed in Florida

Now that you know the requirements for obtaining an insurance license in Florida, here are the steps you need to take to get licensed:

Step 1: Choose the Type of License You Want to Obtain

Before you begin the licensing process, you need to decide what type of license you want to obtain. This will determine the pre-license education course you need to take and the exam you need to pass.

Step 2: Complete the Pre-License Education Course

Once you have decided on the type of license you want to obtain, you need to complete the pre-license education course. The course is offered by approved providers and can be completed online or in a classroom setting. Make sure to choose a provider that is approved by the DFS.

Step 3: Schedule and Take the Licensing Exam

After completing the pre-license education course, you must schedule and take the licensing exam. The exam is administered by a third-party testing provider and can be taken at a testing center or online. Make sure to review the material covered in the pre-license education course before taking the exam.

Step 4: Complete the Fingerprinting and Background Check

Once you have passed the licensing exam, you must complete the fingerprinting and background check. This can be done at a DFS office or at a location approved by the DFS. Make sure to bring the necessary identification and payment for the fingerprinting fee.

Step 5: Submit Your License Application and Fees

After completing the fingerprinting and background check, you can submit your license application and fees to the DFS. The application and fees can be submitted online or by mail. Make sure to include all required documentation and payment for the licensing fee.

FAQ

How long does it take to get an insurance license in Florida?

The time it takes to get an insurance license in Florida varies depending on the license type and how quickly you complete the pre-license education course and pass the licensing exam. However, the entire process can take anywhere from 1-3 months.

How much does it cost to get an insurance license in Florida?

The cost of getting an insurance license in Florida varies depending on the license type and the fees charged by the pre-license education provider, testing provider, and DFS. However, you can expect to pay around $200-$300 for the pre-license education course, exam, fingerprinting and background check, and licensing fees.

Do I need to be sponsored by an insurance company to get licensed in Florida?

No, you do not need to be sponsored by an insurance company to get licensed in Florida. However, you will need to provide the name of the insurance agency you plan to work for when you apply for your license.

Do I need to renew my insurance license in Florida?

Yes, you must renew your insurance license every two years in Florida. To renew your license, you must complete continuing education requirements and pay a renewal fee to the DFS.

Can I get an insurance license if I have a criminal record?

It depends on the nature of your criminal record. If you have been convicted of certain crimes, you may be prohibited from obtaining an insurance license in Florida. However, each case is considered on an individual basis, so it’s important to contact the DFS for more information.

Conclusion

Obtaining an insurance license in Florida can be a great way to launch your career in the insurance industry. However, it’s important to understand the requirements and steps involved in the licensing process before you get started. By following the steps outlined in this guide and doing your research, you can obtain your insurance license and begin your career in this exciting and growing field.