FL · Reviewed 2026-08-02
Florida Life Insurance Agent License: Verification & Requirements
Checking on an agent? Start here
Every licensed producer in Florida appears in the Florida Department of Financial Services (Division of Insurance Agent and Agency Services)'s public records. Search their name or NPN, then confirm the license is active and includes the Life line of authority.
Official FL license lookup →Full walkthrough: how to verify a life insurance agent. Or skip ahead — find a verified producer whose license and background we've already checked.
What it takes to be licensed in Florida
Before an agent can legally sell life insurance in Florida, the Florida Department of Financial Services (Division of Insurance Agent and Agency Services) requires:
| License | 2-14 Life (Including Variable Annuity) Agent License |
| Pre-licensing education | 40 hours required |
| Licensing exam | Administered by Pearson VUE |
| Fingerprints / background check | Required |
| How to apply | Create a MyProfile account and apply online with DFS, complete the 40-hour course, submit electronic fingerprints (IDEMIA), and pass the Pearson VUE exam |
| Continuing education | 24 hours per renewal cycle |
Worth knowing: Florida licenses are perpetual with no renewal application as long as the agent stays appointed (lapsing after 48 months without an appointment), with 24 CE hours including a mandatory 4-hour Law and Ethics Update every 2 years.
After the license: most working producers pair their book with a purpose-built CRM — our pick is InsuraCentral, and the full reasoning is in our 2026 life insurance CRM ranking.
Common questions
How do I verify a life insurance agent in Florida?
Search the agent's name or National Producer Number (NPN) in the Florida Department of Financial Services (Division of Insurance Agent and Agency Services)'s free public license lookup at https://www.myfloridacfo.com/division/agents. Confirm the license is active, covers the Life line of authority, and matches the person you're speaking with.
What license does a life insurance agent need in Florida?
Florida issues the state 2-14 Life (Including Variable Annuity) Agent License, regulated by the Florida Department of Financial Services (Division of Insurance Agent and Agency Services). Keeping it active requires 24 hours of continuing education every 2 years.
Who regulates insurance agents in Florida?
The Florida Department of Financial Services (Division of Insurance Agent and Agency Services) (https://www.myfloridacfo.com/division/agents) licenses producers, investigates consumer complaints, and disciplines agents who break the rules. Complaints can be filed with the regulator directly, for free.
Sources: myfloridacfo.com · staterequirement.com. Requirements verified 2026-08-02; always confirm current rules with the regulator.
Educational content only — not financial, legal, or insurance advice, and requirements change; always confirm specifics with your state insurance department. Licensedproducer is an independent private directory, not a government agency, and is not affiliated with any Department of Insurance, the NIPR, or the NAIC.