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Florida Health Insurance — Requirements & Free Practice

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Licenses, application pathways and examination requirements

Each license and applicant pathway has its own requirements and exemptions. Choosing practice questions does not determine your eligibility.

credit insurance agent (individual)

Limited-line credit insurance license covering insurance offered in connection with an extension of credit.

Licensing authority: Florida Department of Financial Services · Application information

Limited credit insurance appointment renewal and continuation
No examination is required for this applicant pathway.
Appointment
Maintain an insurer appointment; after 48 months without appointment qualify as a first-time applicant.
Exam Exemption
F.S. 626.221(2)(b) exempts the limited credit-insurance license from examination.
Residency
Florida resident.
Restricted Business
Only limited-line credit insurance associated with an extension of credit, including credit disability and mortgage disability.
Route Condition
The appointing entity files the renewal and pays appointment fees.

Official no-examination sources

Effective from 2026-09-22.

Limited credit insurance licensure as a lending or creditor entity
No examination is required for this applicant pathway.
Appointment
Maintain an insurer appointment; after 48 months without appointment qualify as a first-time applicant.
Commission
Only the entity whose tax identification number receives or is credited with the commission is the licensed agent.
Eligible Entity
A lending or financial institution or creditor; sales restricted to its borrowers or debtors.
Exam Exemption
F.S. 626.221(2)(b) exempts the limited credit-insurance license from examination.
Residency
Florida resident.
Restricted Business
Only limited-line credit insurance associated with an extension of credit, including credit disability and mortgage disability.

Official no-examination sources

Effective from 2026-09-22.

Limited credit insurance licensure as an individual
No examination is required for this applicant pathway.
Appointment
Maintain an insurer appointment; after 48 months without appointment qualify as a first-time applicant.
Citizenship
United States citizen or legal alien with work authorization.
Clearance
If licensed in another state within three years, provide the clearance letter required by the DFS instructions.
Commission
The individual whose tax identification number receives the commission must be the licensed agent.
Employment
An officer, salaried or commissioned representative of a life or health insurer, or an individual employed by or associated with a lender, financial institution or creditor; sales restricted to its borrowers or debtors.
Exam Exemption
F.S. 626.221(2)(b) exempts the limited credit-insurance license from examination.
Minimum Age
At least 18 years old.
Residency
Florida resident.
Restricted Business
Only limited-line credit insurance associated with an extension of credit, including credit disability and mortgage disability.

Official no-examination sources

Effective from 2026-09-22.

Limited credit insurance reinstatement after suspension
No examination is required for this applicant pathway.
Appointment
Maintain an insurer appointment; after 48 months without appointment qualify as a first-time applicant.
Exam Exemption
F.S. 626.221(2)(b) exempts the limited credit-insurance license from examination.
Residency
Florida resident.
Restricted Business
Only limited-line credit insurance associated with an extension of credit, including credit disability and mortgage disability.
Route Condition
Apply for reinstatement; suspension circumstances must no longer exist or be likely to recur.

Official no-examination sources

Effective from 2026-09-22.

Limited credit insurance relicensure after lapse or revocation
No examination is required for this applicant pathway.
Appointment
Maintain an insurer appointment; after 48 months without appointment qualify as a first-time applicant.
Exam Exemption
F.S. 626.221(2)(b) exempts the limited credit-insurance license from examination.
Residency
Florida resident.
Restricted Business
Only limited-line credit insurance associated with an extension of credit, including credit disability and mortgage disability.
Route Condition
Qualify again as a first-time applicant; after revocation comply with the two-year waiting period and permanent disqualifications.

Official no-examination sources

Effective from 2026-09-22.

2-40 Resident Health Agent License

Resident health agent license for health insurance, including representation of a health maintenance organization.

Licensing authority: Florida Department of Financial Services · Application information

Additional insurer appointment under an existing license
Florida Agent’s Health Insurance
Application
Submit a complete license application.
Appointment
An insurer appointment is required to transact insurance; a 48-month period without appointment requires qualification as a first-time applicant.
Citizenship
United States citizen or legal alien with work authorization.
Disqualifying Employment
Not employed by the United States Department of Veterans Affairs or the referenced state service office.
Existing License
Hold the applicable license in force; the insurer files the appointment and pays required fees.
Fees
Pay the required licensing fees.
Fingerprints
Submit fingerprints as required by DFS.
Fitness
Satisfy statutory competence and trustworthiness requirements.
Minimum Age
At least 18 years old.
New Examination Order
An existing license does not ordinarily require another examination for the same class. A specific DFS order to complete a new license application, or loss of the statutory continuity, may require the licensing examination.
Passing Score Window
A passing Florida exam score remains usable for one year; passing before application does not remove the examination from this route.
Residency
Bona fide Florida resident; do not hold a resident license elsewhere, subject to the statutory transfer transition.
Licensure with the Chartered Life Underwriter exemption
No examination is required for this applicant pathway.
Application
Submit a complete license application.
Appointment
An insurer appointment is required to transact insurance; a 48-month period without appointment requires qualification as a first-time applicant.
Citizenship
United States citizen or legal alien with work authorization.
Designation
Provide an original American College of Financial Services letter confirming the CLU designation.
Disqualifying Employment
Not employed by the United States Department of Veterans Affairs or the referenced state service office.
Fees
Pay the required licensing fees.
Fingerprints
Submit fingerprints as required by DFS.
Fitness
Satisfy statutory competence and trustworthiness requirements.
Law Examination Discretion
F.S. 626.221(2)(g) permits examination on pertinent code provisions but identifies no separately offered examination; DFS implements a state-examination exemption.
Minimum Age
At least 18 years old.
Passing Score Window
A passing Florida exam score remains usable for one year; passing before application does not remove the examination from this route.
Residency
Bona fide Florida resident; do not hold a resident license elsewhere, subject to the statutory transfer transition.

Official no-examination sources

Effective from 2026-09-22.

Licensure by examination after approved prelicensing coursework
Florida Agent’s Health Insurance
Application
Submit a complete license application.
Appointment
An insurer appointment is required to transact insurance; a 48-month period without appointment requires qualification as a first-time applicant.
Citizenship
United States citizen or legal alien with work authorization.
Disqualifying Employment
Not employed by the United States Department of Veterans Affairs or the referenced state service office.
Education
Successfully complete or teach a department-approved 40-hour health course within four years; the statutory health course includes three hours of ethics.
Fees
Pay the required licensing fees.
Fingerprints
Submit fingerprints as required by DFS.
Fitness
Satisfy statutory competence and trustworthiness requirements.
Minimum Age
At least 18 years old.
Passing Score Window
A passing Florida exam score remains usable for one year; passing before application does not remove the examination from this route.
Residency
Bona fide Florida resident; do not hold a resident license elsewhere, subject to the statutory transfer transition.
Licensure with the approved insurance degree exemption
No examination is required for this applicant pathway.
Application
Submit a complete license application.
Appointment
An insurer appointment is required to transact insurance; a 48-month period without appointment requires qualification as a first-time applicant.
Citizenship
United States citizen or legal alien with work authorization.
Disqualifying Employment
Not employed by the United States Department of Veterans Affairs or the referenced state service office.
Education
Accredited, department-approved degree with at least nine credit hours of insurance instruction specifically including health.
Fees
Pay the required licensing fees.
Fingerprints
Submit fingerprints as required by DFS.
Fitness
Satisfy statutory competence and trustworthiness requirements.
Law Examination Discretion
F.S. 626.221(2)(m) permits examination on pertinent code provisions, but identifies no separately offered examination; DFS Step 2 grants the state-examination exemption.
Minimum Age
At least 18 years old.
Passing Score Window
A passing Florida exam score remains usable for one year; passing before application does not remove the examination from this route.
Residency
Bona fide Florida resident; do not hold a resident license elsewhere, subject to the statutory transfer transition.

Official no-examination sources

Effective from 2026-09-22.

Licensure by examination after department or office experience
Florida Agent’s Health Insurance
Application
Submit a complete license application.
Appointment
An insurer appointment is required to transact insurance; a 48-month period without appointment requires qualification as a first-time applicant.
Citizenship
United States citizen or legal alien with work authorization.
Disqualifying Employment
Not employed by the United States Department of Veterans Affairs or the referenced state service office.
Experience
At least one year of full-time health insurance regulatory employment with DFS or OIR, not terminated for cause; examination application within four years after termination.
Fees
Pay the required licensing fees.
Fingerprints
Submit fingerprints as required by DFS.
Fitness
Satisfy statutory competence and trustworthiness requirements.
Minimum Age
At least 18 years old.
Passing Score Window
A passing Florida exam score remains usable for one year; passing before application does not remove the examination from this route.
Residency
Bona fide Florida resident; do not hold a resident license elsewhere, subject to the statutory transfer transition.
Licensure by examination with an approved health designation
Florida Agent’s Health Insurance
Application
Submit a complete license application.
Appointment
An insurer appointment is required to transact insurance; a 48-month period without appointment requires qualification as a first-time applicant.
Citizenship
United States citizen or legal alien with work authorization.
Designation
Earn or maintain an active RHU, ChHC, REBC, CEBS or HIA designation within the statutory four-year period; submit designation proof. The DFS checklist spells CEBS as CEBC.
Disqualifying Employment
Not employed by the United States Department of Veterans Affairs or the referenced state service office.
Fees
Pay the required licensing fees.
Fingerprints
Submit fingerprints as required by DFS.
Fitness
Satisfy statutory competence and trustworthiness requirements.
Minimum Age
At least 18 years old.
Passing Score Window
A passing Florida exam score remains usable for one year; passing before application does not remove the examination from this route.
Residency
Bona fide Florida resident; do not hold a resident license elsewhere, subject to the statutory transfer transition.
Relicensure after expiration or 48 months without appointment
Florida Agent’s Health Insurance
Application
Submit a complete license application.
Appointment
An insurer appointment is required to transact insurance; a 48-month period without appointment requires qualification as a first-time applicant.
Citizenship
United States citizen or legal alien with work authorization.
Disqualifying Employment
Not employed by the United States Department of Veterans Affairs or the referenced state service office.
Exam Discretion
DFS may require an examination before reinstating or relicensing an expired license.
Fees
Pay the required licensing fees.
Fingerprints
Submit fingerprints as required by DFS.
Fitness
Satisfy statutory competence and trustworthiness requirements.
Minimum Age
At least 18 years old.
Passing Score Window
A passing Florida exam score remains usable for one year; passing before application does not remove the examination from this route.
Requalification
Qualify as a first-time applicant after 48 months without appointment; use the applicable statutory prelicensing and examination exemptions when eligible.
Residency
Bona fide Florida resident; do not hold a resident license elsewhere, subject to the statutory transfer transition.
Licensure through the former department licensee exemption
No examination is required for this applicant pathway.
Application
Submit a complete license application.
Appointment
An insurer appointment is required to transact insurance; a 48-month period without appointment requires qualification as a first-time applicant.
Citizenship
United States citizen or legal alien with work authorization.
Disqualifying Employment
Not employed by the United States Department of Veterans Affairs or the referenced state service office.
Experience
Within four years before application, a full-time salaried DFS employee with responsible insurance duties for at least two continuous years, holding the same license class within four years before DFS employment.
Fees
Pay the required licensing fees.
Fingerprints
Submit fingerprints as required by DFS.
Fitness
Satisfy statutory competence and trustworthiness requirements.
Minimum Age
At least 18 years old.
Passing Score Window
A passing Florida exam score remains usable for one year; passing before application does not remove the examination from this route.
Residency
Bona fide Florida resident; do not hold a resident license elsewhere, subject to the statutory transfer transition.

Official no-examination sources

Effective from 2026-09-22.

Licensure by examination with the military prelicensing waiver
Florida Agent’s Health Insurance
Application
Submit a complete license application.
Appointment
An insurer appointment is required to transact insurance; a 48-month period without appointment requires qualification as a first-time applicant.
Citizenship
United States citizen or legal alien with work authorization.
Disqualifying Employment
Not employed by the United States Department of Veterans Affairs or the referenced state service office.
Fees
Pay the required licensing fees.
Fingerprints
Submit fingerprints as required by DFS.
Fitness
Satisfy statutory competence and trustworthiness requirements.
Military
Member or honorably discharged veteran of the United States Armed Forces, or spouse; provide a listed military status document.
Minimum Age
At least 18 years old.
Passing Score Window
A passing Florida exam score remains usable for one year; passing before application does not remove the examination from this route.
Prelicensing
Prelicensure coursework is waived; the licensing examination remains required.
Residency
Bona fide Florida resident; do not hold a resident license elsewhere, subject to the statutory transfer transition.
Licensure by examination after multiple area insurance coursework
Florida Agent’s Health Insurance
Application
Submit a complete license application.
Appointment
An insurer appointment is required to transact insurance; a 48-month period without appointment requires qualification as a first-time applicant.
Citizenship
United States citizen or legal alien with work authorization.
Disqualifying Employment
Not employed by the United States Department of Veterans Affairs or the referenced state service office.
Education
Successfully complete a minimum of 60 approved hours in multiple areas of insurance, including health and three hours of ethics, within four years.
Fees
Pay the required licensing fees.
Fingerprints
Submit fingerprints as required by DFS.
Fitness
Satisfy statutory competence and trustworthiness requirements.
Minimum Age
At least 18 years old.
Passing Score Window
A passing Florida exam score remains usable for one year; passing before application does not remove the examination from this route.
Residency
Bona fide Florida resident; do not hold a resident license elsewhere, subject to the statutory transfer transition.
Resident licensure by examination with reciprocal prelicensing credit
Florida Agent’s Health Insurance
Application
Submit a complete license application.
Appointment
An insurer appointment is required to transact insurance; a 48-month period without appointment requires qualification as a first-time applicant.
Citizenship
United States citizen or legal alien with work authorization.
Disqualifying Employment
Not employed by the United States Department of Veterans Affairs or the referenced state service office.
Fees
Pay the required licensing fees.
Fingerprints
Submit fingerprints as required by DFS.
Fitness
Satisfy statutory competence and trustworthiness requirements.
Minimum Age
At least 18 years old.
Passing Score Window
A passing Florida exam score remains usable for one year; passing before application does not remove the examination from this route.
Prelicensing
Reciprocal treatment may waive prelicensing coursework; the Florida licensing examination remains required.
Prior License
Held an active equivalent health license in a reciprocal state within four years; the combined license also requires equivalent life authority. This route applies when the 90-day transfer exemption does not apply.
Residency
Bona fide Florida resident; do not hold a resident license elsewhere, subject to the statutory transfer transition.
Reinstatement following suspension
Florida Agent’s Health Insurance
Application
File and obtain approval of the reinstatement application; the suspension circumstances must no longer exist or be likely to recur. A second suspension also requires prescribed continuing education.
Appointment
An insurer appointment is required to transact insurance; a 48-month period without appointment requires qualification as a first-time applicant.
Citizenship
United States citizen or legal alien with work authorization.
Disqualifying Employment
Not employed by the United States Department of Veterans Affairs or the referenced state service office.
Exam Discretion
DFS may require the licensing examination; F.S. 626.221(2)(c) permits an examination waiver for a suspension within the preceding four years.
Fees
Pay the required licensing fees.
Fingerprints
Submit fingerprints as required by DFS.
Fitness
Satisfy statutory competence and trustworthiness requirements.
Minimum Age
At least 18 years old.
Passing Score Window
A passing Florida exam score remains usable for one year; passing before application does not remove the examination from this route.
Residency
Bona fide Florida resident; do not hold a resident license elsewhere, subject to the statutory transfer transition.
Appointment renewal and license continuation
Florida Agent’s Health Insurance
Application
Submit a complete license application.
Appointment
An insurer appointment is required to transact insurance; a 48-month period without appointment requires qualification as a first-time applicant.
Citizenship
United States citizen or legal alien with work authorization.
Disqualifying Employment
Not employed by the United States Department of Veterans Affairs or the referenced state service office.
Exam Discretion
Ordinarily no examination on appointment renewal; DFS may require the licensing examination to establish competence or trustworthiness.
Fees
Pay the required licensing fees.
Fingerprints
Submit fingerprints as required by DFS.
Fitness
Satisfy statutory competence and trustworthiness requirements.
Minimum Age
At least 18 years old.
Passing Score Window
A passing Florida exam score remains usable for one year; passing before application does not remove the examination from this route.
Renewal
The appointing entity renews the appointment every 24 months under F.S. 626.381; comply with applicable continuing education.
Residency
Bona fide Florida resident; do not hold a resident license elsewhere, subject to the statutory transfer transition.
New licensure after revocation
Florida Agent’s Health Insurance
Application
Submit a complete license application.
Appointment
An insurer appointment is required to transact insurance; a 48-month period without appointment requires qualification as a first-time applicant.
Citizenship
United States citizen or legal alien with work authorization.
Disqualifying Employment
Not employed by the United States Department of Veterans Affairs or the referenced state service office.
Fees
Pay the required licensing fees.
Fingerprints
Submit fingerprints as required by DFS.
Fitness
Satisfy statutory competence and trustworthiness requirements.
Minimum Age
At least 18 years old.
Passing Score Window
A passing Florida exam score remains usable for one year; passing before application does not remove the examination from this route.
Requalification
Apply and qualify as a first-time applicant, including applicable examination exemptions; revocation circumstances must no longer exist or be likely to recur. Statutory permanent disqualifications remain applicable.
Residency
Bona fide Florida resident; do not hold a resident license elsewhere, subject to the statutory transfer transition.
Waiting Period
Wait at least two years after effective revocation or the final court decree affirming it.
Licensure by transfer after becoming a Florida resident
No examination is required for this applicant pathway.
Application
Submit a complete license application.
Appointment
An insurer appointment is required to transact insurance; a 48-month period without appointment requires qualification as a first-time applicant.
Citizenship
United States citizen or legal alien with work authorization.
Deadline
DFS must receive the completed application within 90 days after becoming a Florida resident.
Disqualifying Employment
Not employed by the United States Department of Veterans Affairs or the referenced state service office.
Fees
Pay the required licensing fees.
Fingerprints
Submit fingerprints as required by DFS.
Fitness
Satisfy statutory competence and trustworthiness requirements.
Minimum Age
At least 18 years old.
Passing Score Window
A passing Florida exam score remains usable for one year; passing before application does not remove the examination from this route.
Prior License
Equivalent resident authority in good standing for at least one year immediately before becoming a Florida resident.
Residency
Bona fide Florida resident; do not hold a resident license elsewhere, subject to the statutory transfer transition.
Transfer Evidence
Provide home-state certification or NAIC verification, fingerprints and fees; satisfy substantially equivalent prelicensing requirements unless exempt.

Official no-examination sources

Effective from 2026-09-22.

8-40 Non-Resident Health Agent License

License for a nonresident health agent, subject to reciprocal licensing privileges.

Licensing authority: Florida Department of Financial Services · Application information

Additional insurer appointment under an existing license
Florida Agent’s Health Insurance
Application
Submit a complete license application.
Appointment
An insurer appointment is required to transact insurance; a 48-month period without appointment requires qualification as a first-time applicant.
Citizenship
United States citizen or legal alien with work authorization.
Disqualifying Employment
Not employed by the United States Department of Veterans Affairs or the referenced state service office.
Existing License
Hold the applicable license in force; the insurer files the appointment and pays required fees.
Fees
Pay the required licensing fees.
Fingerprints
Submit fingerprints as required by DFS.
Fitness
Satisfy statutory competence and trustworthiness requirements.
Home License
Continue to hold the equivalent resident license in the home jurisdiction.
Minimum Age
At least 18 years old.
New Examination Order
An existing license does not ordinarily require another examination for the same class. A specific DFS order to complete a new license application, or loss of the statutory continuity, may require the licensing examination.
Residency
Remain a nonresident of Florida.
Relicensure after expiration or 48 months without appointment
Florida Agent’s Health Insurance
Application
Submit a complete license application.
Appointment
An insurer appointment is required to transact insurance; a 48-month period without appointment requires qualification as a first-time applicant.
Citizenship
United States citizen or legal alien with work authorization.
Disqualifying Employment
Not employed by the United States Department of Veterans Affairs or the referenced state service office.
Exam Discretion
DFS may require an examination before reinstating or relicensing an expired license.
Fees
Pay the required licensing fees.
Fingerprints
Submit fingerprints as required by DFS.
Fitness
Satisfy statutory competence and trustworthiness requirements.
Home License
Continue to hold the equivalent resident license in the home jurisdiction.
Minimum Age
At least 18 years old.
Requalification
Qualify as a first-time applicant after 48 months without appointment; use the applicable statutory prelicensing and examination exemptions when eligible.
Residency
Remain a nonresident of Florida.
Nonresident licensure by reciprocal credentials
No examination is required for this applicant pathway.
Application
Submit a complete license application.
Appointment
An insurer appointment is required to transact insurance; a 48-month period without appointment requires qualification as a first-time applicant.
Citizenship
United States citizen or legal alien with work authorization.
Disqualifying Employment
Not employed by the United States Department of Veterans Affairs or the referenced state service office.
Fees
Pay the required licensing fees.
Fingerprints
Submit fingerprints as required by DFS.
Fitness
Satisfy statutory competence and trustworthiness requirements.
Home License
Hold and maintain a comparable resident health license in the home state or reciprocal Canadian province; home-state examination or prior license evidence is an applicant condition.
Minimum Age
At least 18 years old.
Residency
Not a Florida resident.

Official no-examination sources

Effective from 2026-09-22.

Reinstatement following suspension
Florida Agent’s Health Insurance
Application
File and obtain approval of the reinstatement application; the suspension circumstances must no longer exist or be likely to recur. A second suspension also requires prescribed continuing education.
Appointment
An insurer appointment is required to transact insurance; a 48-month period without appointment requires qualification as a first-time applicant.
Citizenship
United States citizen or legal alien with work authorization.
Disqualifying Employment
Not employed by the United States Department of Veterans Affairs or the referenced state service office.
Exam Discretion
DFS may require the licensing examination; F.S. 626.221(2)(c) permits an examination waiver for a suspension within the preceding four years.
Fees
Pay the required licensing fees.
Fingerprints
Submit fingerprints as required by DFS.
Fitness
Satisfy statutory competence and trustworthiness requirements.
Home License
Continue to hold the equivalent resident license in the home jurisdiction.
Minimum Age
At least 18 years old.
Residency
Remain a nonresident of Florida.
Appointment renewal and license continuation
Florida Agent’s Health Insurance
Application
Submit a complete license application.
Appointment
An insurer appointment is required to transact insurance; a 48-month period without appointment requires qualification as a first-time applicant.
Citizenship
United States citizen or legal alien with work authorization.
Disqualifying Employment
Not employed by the United States Department of Veterans Affairs or the referenced state service office.
Exam Discretion
Ordinarily no examination on appointment renewal; DFS may require the licensing examination to establish competence or trustworthiness.
Fees
Pay the required licensing fees.
Fingerprints
Submit fingerprints as required by DFS.
Fitness
Satisfy statutory competence and trustworthiness requirements.
Home License
Continue to hold the equivalent resident license in the home jurisdiction.
Minimum Age
At least 18 years old.
Renewal
The appointing entity renews the appointment every 24 months under F.S. 626.381; comply with applicable continuing education.
Residency
Remain a nonresident of Florida.
New licensure after revocation
Florida Agent’s Health Insurance
Application
Submit a complete license application.
Appointment
An insurer appointment is required to transact insurance; a 48-month period without appointment requires qualification as a first-time applicant.
Citizenship
United States citizen or legal alien with work authorization.
Disqualifying Employment
Not employed by the United States Department of Veterans Affairs or the referenced state service office.
Fees
Pay the required licensing fees.
Fingerprints
Submit fingerprints as required by DFS.
Fitness
Satisfy statutory competence and trustworthiness requirements.
Home License
Continue to hold the equivalent resident license in the home jurisdiction.
Minimum Age
At least 18 years old.
Requalification
Apply and qualify as a first-time applicant, including applicable examination exemptions; revocation circumstances must no longer exist or be likely to recur. Statutory permanent disqualifications remain applicable.
Residency
Remain a nonresident of Florida.
Waiting Period
Wait at least two years after effective revocation or the final court decree affirming it.

Non-Resident Credit Insurance Agent

A limited-lines credit insurance license covering credit life, credit disability, mortgage disability, and other specified insurance associated with an extension of credit.

Licensing authority: Florida Department of Financial Services · Application information

Limited credit insurance appointment renewal and continuation
No examination is required for this applicant pathway.
Appointment
Maintain an insurer appointment; after 48 months without appointment qualify as a first-time applicant.
Exam Exemption
F.S. 626.221(2)(b) exempts the limited credit-insurance license from examination.
Residency
Not a Florida resident.
Restricted Business
Only limited-line credit insurance associated with an extension of credit, including credit disability and mortgage disability.
Route Condition
The appointing entity files the renewal and pays appointment fees.

Official no-examination sources

Effective from 2026-09-22.

Limited credit insurance licensure as a lending or creditor entity
No examination is required for this applicant pathway.
Appointment
Maintain an insurer appointment; after 48 months without appointment qualify as a first-time applicant.
Commission
Only the entity whose tax identification number receives or is credited with the commission is the licensed agent.
Eligible Entity
A lending or financial institution or creditor; sales restricted to its borrowers or debtors.
Exam Exemption
F.S. 626.221(2)(b) exempts the limited credit-insurance license from examination.
Residency
Not a Florida resident.
Restricted Business
Only limited-line credit insurance associated with an extension of credit, including credit disability and mortgage disability.

Official no-examination sources

Effective from 2026-09-22.

Limited credit insurance licensure as an individual
No examination is required for this applicant pathway.
Appointment
Maintain an insurer appointment; after 48 months without appointment qualify as a first-time applicant.
Citizenship
United States citizen or legal alien with work authorization.
Clearance
If licensed in another state within three years, provide the clearance letter required by the DFS instructions.
Commission
The individual whose tax identification number receives the commission must be the licensed agent.
Employment
An officer, salaried or commissioned representative of a life or health insurer, or an individual employed by or associated with a lender, financial institution or creditor; sales restricted to its borrowers or debtors.
Exam Exemption
F.S. 626.221(2)(b) exempts the limited credit-insurance license from examination.
Minimum Age
At least 18 years old.
Residency
Not a Florida resident.
Restricted Business
Only limited-line credit insurance associated with an extension of credit, including credit disability and mortgage disability.

Official no-examination sources

Effective from 2026-09-22.

Limited credit insurance reinstatement after suspension
No examination is required for this applicant pathway.
Appointment
Maintain an insurer appointment; after 48 months without appointment qualify as a first-time applicant.
Exam Exemption
F.S. 626.221(2)(b) exempts the limited credit-insurance license from examination.
Residency
Not a Florida resident.
Restricted Business
Only limited-line credit insurance associated with an extension of credit, including credit disability and mortgage disability.
Route Condition
Apply for reinstatement; suspension circumstances must no longer exist or be likely to recur.

Official no-examination sources

Effective from 2026-09-22.

Limited credit insurance relicensure after lapse or revocation
No examination is required for this applicant pathway.
Appointment
Maintain an insurer appointment; after 48 months without appointment qualify as a first-time applicant.
Exam Exemption
F.S. 626.221(2)(b) exempts the limited credit-insurance license from examination.
Residency
Not a Florida resident.
Restricted Business
Only limited-line credit insurance associated with an extension of credit, including credit disability and mortgage disability.
Route Condition
Qualify again as a first-time applicant; after revocation comply with the two-year waiting period and permanent disqualifications.

Official no-examination sources

Effective from 2026-09-22.

Florida Agent’s Health Insurance

Provider
Pearson VUE
Format
Computer-based examination
Exam questions
85 scored questions plus 10 pretest questions
Time limit
2 hours
Passing score
70%
Examination outline
  • GENERAL KNOWLEDGE / I. TYPES OF POLICIES (19%)
    • A. Disability income
    • A. Disability income / 1. Individual disability income policy
    • A. Disability income / 2. Business overhead expense policy
    • A. Disability income / 3. Business disability buyout policy
    • A. Disability income / 4. Group disability income policy
    • A. Disability income / 5. Key employee policy
    • B. Accidental death and dismemberment
    • C. Medical expense insurance
    • C. Medical expense insurance / 1. Basic hospital, medical, and surgical policies
    • C. Medical expense insurance / 2. Major medical policies
    • C. Medical expense insurance / 3. Health Maintenance Organizations (HMOs)
    • C. Medical expense insurance / 4. Preferred Provider Organizations (PPOs)
    • C. Medical expense insurance / 5. Point of Service (POS) plans
    • C. Medical expense insurance / 6. Flexible Spending Accounts (FSAs)
    • C. Medical expense insurance / 7. High Deductible Health Plans (HDHPs) and related Health Savings Accounts (HSAs)
    • C. Medical expense insurance / 8. Health Reimbursement Accounts (HRAs)
    • D. Medicare supplement policies
    • E. Group insurance
    • E. Group insurance / 1. Differences between individual and group contracts
    • E. Group insurance / 2. General characteristics
    • E. Group insurance / 3. COBRA
    • F. Individual/Group Long Term Care (LTC)
    • F. Individual/Group Long Term Care (LTC) / 1. Eligibility
    • F. Individual/Group Long Term Care (LTC) / 2. Levels of care
    • G. Other policies
    • G. Other policies / 1. Dental
    • G. Other policies / 2. Vision
    • G. Other policies / 3. Cancer
    • G. Other policies / 4. Critical illness or specified disease
    • G. Other policies / 5. Worksite (employer-sponsored)
    • G. Other policies / 6. Hospital indemnity
    • G. Other policies / 7. Short-term medical
    • G. Other policies / 8. Accident
  • GENERAL KNOWLEDGE / II. POLICY PROVISIONS, CLAUSES, AND RIDERS (18%)
    • A. Mandatory and optional provisions
    • A. Mandatory and optional provisions / 1. Entire contract
    • A. Mandatory and optional provisions / 2. Time limit on certain defenses (incontestable)
    • A. Mandatory and optional provisions / 3. Grace period
    • A. Mandatory and optional provisions / 4. Reinstatement
    • A. Mandatory and optional provisions / 5. Notice of claim
    • A. Mandatory and optional provisions / 6. Claim forms
    • A. Mandatory and optional provisions / 7. Proof of loss
    • A. Mandatory and optional provisions / 8. Time of payment of claims
    • A. Mandatory and optional provisions / 9. Payment of claims
    • A. Mandatory and optional provisions / 10. Physical examination and autopsy
    • A. Mandatory and optional provisions / 11. Legal actions
    • A. Mandatory and optional provisions / 12. Change of beneficiary
    • A. Mandatory and optional provisions / 13. Misstatement of age or gender
    • A. Mandatory and optional provisions / 14. Change of occupation
    • A. Mandatory and optional provisions / 15. Illegal occupation
    • A. Mandatory and optional provisions / 16. Relation of earning to insurance
    • B. Other provisions and clauses
    • B. Other provisions and clauses / 1. Insuring clause
    • B. Other provisions and clauses / 2. Free look
    • B. Other provisions and clauses / 3. Consideration clause
    • B. Other provisions and clauses / 4. Probationary period
    • B. Other provisions and clauses / 5. Elimination period
    • B. Other provisions and clauses / 6. Waiver of premium
    • B. Other provisions and clauses / 7. Exclusions and limitations
    • B. Other provisions and clauses / 8. Preexisting conditions
    • B. Other provisions and clauses / 9. Coinsurance
    • B. Other provisions and clauses / 10. Deductibles
    • B. Other provisions and clauses / 11. Eligible expenses
    • B. Other provisions and clauses / 12. Copayments
    • B. Other provisions and clauses / 13. Pre-authorizations and prior approval requirements
    • B. Other provisions and clauses / 14. Usual, reasonable, and customary (URC) charges
    • B. Other provisions and clauses / 15. Lifetime, annual, or per cause maximum benefit limits
    • C. Riders
    • C. Riders / 1. Impairment/exclusions
    • C. Riders / 2. Guaranteed insurability
    • C. Riders / 3. Future increase option
    • D. Rights of renewability
    • D. Rights of renewability / 1. Noncancelable
    • D. Rights of renewability / 2. Cancelable
    • D. Rights of renewability / 3. Guaranteed renewable
  • GENERAL KNOWLEDGE / III. SOCIAL INSURANCE (7%)
    • A. Medicare (Parts A, B, C, D)
    • B. Medicaid
    • C. Social Security benefits
  • GENERAL KNOWLEDGE / IV. OTHER INSURANCE CONCEPTS (6%)
    • A. Total, partial, recurrent and residual disability
    • B. Owner’s rights
    • C. Dependent children benefits
    • D. Primary and contingent beneficiaries
    • E. Modes of premium payments
    • F. Nonduplication and coordination of benefits (e.g., primary vs. excess)
    • G. Occupational vs. non-occupational
    • H. Tax treatment of premiums and proceeds of insurance contracts (e.g., disability income and medical expenses, etc.)
    • I. Managed care
    • J. Workers Compensation
    • K. Subrogation
  • GENERAL KNOWLEDGE / V. FIELD UNDERWRITING PROCEDURES (9%)
    • A. Completing the application
    • B. Explaining sources of insurability and HIPAA privacy information (e.g., MIB Report, Fair Credit Reporting Act, etc.)
    • C. Initial premium payment and receipt and consequences of the receipt (e.g., medical examination, etc.)
    • D. Submitting application (and initial premium if collected) to company for underwriting
    • E. Policy delivery
    • F. Explaining policy and its provisions, riders, exclusions, and ratings to clients
    • G. Replacement
    • H. Contract law
    • H. Contract law / 1. Elements of a contract
    • H. Contract law / 2. Insurable interest
    • H. Contract law / 3. Warranties and representations
    • H. Contract law / 4. Unique aspects of the insurance contract
    • H. Contract law / 4. Unique aspects of the insurance contract / a. Conditional
    • H. Contract law / 4. Unique aspects of the insurance contract / b. Unilateral
    • H. Contract law / 4. Unique aspects of the insurance contract / c. Adhesion
    • H. Contract law / 4. Unique aspects of the insurance contract / d. Aleatory
  • FLORIDA STATUTES, RULES, AND REGULATIONS / I. FLORIDA STATUTES, RULES, AND REGULATIONS COMMON TO ALL LINES (23%)
    • A. Financial Services Regulation
    • A. Financial Services Regulation / 1. Chief Financial Officer
    • A. Financial Services Regulation / 2. Financial Services Commission
    • A. Financial Services Regulation / 2. Financial Services Commission / a. Office of Financial Regulation
    • A. Financial Services Regulation / 2. Financial Services Commission / b. Office of Insurance Regulation
    • B. Department of Financial Services
    • B. Department of Financial Services / 1. General duties and powers
    • B. Department of Financial Services / 1. General duties and powers / a. Agent and adjuster licensing and investigations
    • B. Department of Financial Services / 1. General duties and powers / b. Consumer services
    • B. Department of Financial Services / 1. General duties and powers / c. Insurance Fraud
    • B. Department of Financial Services / 1. General duties and powers / d. Receivership
    • B. Department of Financial Services / 1. General duties and powers / e. Unclaimed Property
    • B. Department of Financial Services / 1. General duties and powers / f. Other powers
    • C. Office of Insurance Regulation
    • C. Office of Insurance Regulation / 1. General duties and powers
    • C. Office of Insurance Regulation / 1. General duties and powers / a. Policy approval authority
    • C. Office of Insurance Regulation / 1. General duties and powers / b. Rates and forms
    • C. Office of Insurance Regulation / 2. Market Conduct Examinations
    • C. Office of Insurance Regulation / 3. Agency Actions
    • C. Office of Insurance Regulation / 4. Investigation
    • D. Office of Financial Regulation
    • D. Office of Financial Regulation / 1. General duties and powers
    • D. Office of Financial Regulation / 2. Agency Actions
    • D. Office of Financial Regulation / 3. Investigations
    • E. Definitions
    • E. Definitions / 1. Insurance contract
    • E. Definitions / 2. Insurance transaction
    • E. Definitions / 3. Insurer
    • E. Definitions / 4. Reinsurance
    • E. Definitions / 5. Domestic company
    • E. Definitions / 6. Foreign company
    • E. Definitions / 7. Alien company
    • E. Definitions / 8. Fraternals
    • E. Definitions / 9. Authorized and unauthorized companies/admitted and non-admitted companies
    • E. Definitions / 10. Stock and mutual companies
    • E. Definitions / 11. Unlicensed entities
    • E. Definitions / 12. Certificate of authority
    • F. Licensing
    • F. Licensing / 1. Purpose
    • F. Licensing / 2. License types
    • F. Licensing / 2. License types / a. Agent
    • F. Licensing / 2. License types / b. Agency
    • F. Licensing / 3. Appointments
    • F. Licensing / 3. Appointments / a. Company
    • F. Licensing / 3. Appointments / b. Unaffiliated
    • F. Licensing / 4. License Requirements
    • F. Licensing / 4. License Requirements / a. Education
    • F. Licensing / 4. License Requirements / b. Application
    • F. Licensing / 4. License Requirements / c. Background Check
    • F. Licensing / 4. License Requirements / d. Examination
    • F. Licensing / 5. Maintaining a license
    • F. Licensing / 5. Maintaining a license / a. Continuing education
    • F. Licensing / 5. Maintaining a license / b. Communicating with the Department
    • F. Licensing / 5. Maintaining a license / c. Record keeping
    • F. Licensing / 5. Maintaining a license / d. Criminal and administrative actions
    • G. Agent responsibilities
    • G. Agent responsibilities / 1. Fiduciary capacity
    • G. Agent responsibilities / 1. Fiduciary capacity / a. Definition
    • G. Agent responsibilities / 1. Fiduciary capacity / b. Premium accountability
    • G. Agent responsibilities / 1. Fiduciary capacity / c. Separate account requirements
    • G. Agent responsibilities / 2. Commissions and compensation / charges for extra services
    • G. Agent responsibilities / 3. Reply to DFS and/or Office of Insurance Regulation
    • G. Agent responsibilities / 4. Ethics
    • H. Insurance guaranty fund
    • I. Marketing practices
    • I. Marketing practices / 1. Unfair methods of competition
    • I. Marketing practices / 1. Unfair methods of competition / a. Sliding
    • I. Marketing practices / 1. Unfair methods of competition / b. Coercion
    • I. Marketing practices / 1. Unfair methods of competition / c. Misrepresentation
    • I. Marketing practices / 1. Unfair methods of competition / d. Defamation
    • I. Marketing practices / 1. Unfair methods of competition / e. False advertising
    • I. Marketing practices / 1. Unfair methods of competition / f. Unfair discrimination
    • I. Marketing practices / 1. Unfair methods of competition / g. Unfair claims practices
    • I. Marketing practices / 1. Unfair methods of competition / h. Fraud
    • I. Marketing practices / 1. Unfair methods of competition / i. Controlled business
    • I. Marketing practices / 1. Unfair methods of competition / j. Twisting
    • I. Marketing practices / 1. Unfair methods of competition / k. Churning
    • I. Marketing practices / 1. Unfair methods of competition / l. Rebating
    • I. Marketing practices / 1. Unfair methods of competition / m. Concealment
  • FLORIDA STATUTES, RULES, AND REGULATIONS / II. FLORIDA STATUTES, RULES, AND REGULATIONS PERTINENT TO HEALTH INSURANCE (18%)
    • A. Standard Policy Provisions and Clauses (individual and group)
    • A. Standard Policy Provisions and Clauses (individual and group) / 1. Minimum Benefit Standards
    • A. Standard Policy Provisions and Clauses (individual and group) / 1. Minimum Benefit Standards / a. Grandfathered
    • A. Standard Policy Provisions and Clauses (individual and group) / 1. Minimum Benefit Standards / b. Non-grandfathered
    • A. Standard Policy Provisions and Clauses (individual and group) / 2. Required and Optional Coverages
    • A. Standard Policy Provisions and Clauses (individual and group) / 3. Prohibited Provisions
    • B. Group Health insurance
    • B. Group Health insurance / 1. Eligible groups (employer based, fraternal, assoc. blanket)
    • B. Group Health insurance / 2. Continuation
    • B. Group Health insurance / 3. Conversion
    • B. Group Health insurance / 4. Coordination of benefits
    • C. Disclosure
    • C. Disclosure / 1. Outline of Coverage
    • C. Disclosure / 2. Renewal Agreements/Nonrenewal and Cancellation
    • C. Disclosure / 3. Advertising
    • C. Disclosure / 4. Certificate of Coverage
    • C. Disclosure / 5. Group Blanket Health
    • C. Disclosure / 5. Group Blanket Health / a. Definition
    • C. Disclosure / 5. Group Blanket Health / b. Required Provisions
    • C. Disclosure / 6. Unfair Trade Practices
    • C. Disclosure / 7. Application Responsibilities
    • C. Disclosure / 8. Marketing methods and practices
    • D. Medicare Supplement Insurance
    • D. Medicare Supplement Insurance / 1. Required provisions (Minimum Standards)
    • D. Medicare Supplement Insurance / 1. Required provisions (Minimum Standards) / a. Pre-existing conditions
    • D. Medicare Supplement Insurance / 1. Required provisions (Minimum Standards) / b. Free Look
    • D. Medicare Supplement Insurance / 2. Open Enrollment Periods
    • D. Medicare Supplement Insurance / 2. Open Enrollment Periods / a. 65 and over
    • D. Medicare Supplement Insurance / 2. Open Enrollment Periods / b. under 65
    • D. Medicare Supplement Insurance / 3. Advertising
    • D. Medicare Supplement Insurance / 4. Marketing standards
    • D. Medicare Supplement Insurance / 5. Disclosure
    • D. Medicare Supplement Insurance / 5. Disclosure / a. Outline of Coverage
    • D. Medicare Supplement Insurance / 5. Disclosure / b. Buyer’s guide
    • D. Medicare Supplement Insurance / 6. Replacement/Replacement Forms
    • D. Medicare Supplement Insurance / 7. Duplication of Benefits
    • D. Medicare Supplement Insurance / 8. Standardized policy benefits (A-N)
    • D. Medicare Supplement Insurance / 9. Exclusions
    • D. Medicare Supplement Insurance / 10. Medicaid--relationship to Supplements
    • D. Medicare Supplement Insurance / 11. Medicare advantage plan
    • E. Long-term Care Policies
    • E. Long-term Care Policies / 1. Purpose
    • E. Long-term Care Policies / 2 Disclosure
    • E. Long-term Care Policies / 2 Disclosure / a. Outline of Coverage
    • E. Long-term Care Policies / 2 Disclosure / b. Buyer’s guide
    • E. Long-term Care Policies / 3. Advertising
    • E. Long-term Care Policies / 4. Policy standards
    • E. Long-term Care Policies / 5. Required Provisions (Minimum standards)
    • E. Long-term Care Policies / 6. Other Provisions
    • E. Long-term Care Policies / 7. Terminology
    • E. Long-term Care Policies / 7. Terminology / a. Skilled care
    • E. Long-term Care Policies / 7. Terminology / b. Intermediate care
    • E. Long-term Care Policies / 7. Terminology / c. Custodial care
    • E. Long-term Care Policies / 7. Terminology / d. Home health care vs. home care
    • E. Long-term Care Policies / 7. Terminology / e. Continuing care retirement communities (CCRC)
    • E. Long-term Care Policies / 7. Terminology / f. Alternate care
    • E. Long-term Care Policies / 7. Terminology / g. Case management
    • E. Long-term Care Policies / 7. Terminology / h. Activities of Daily Living (ADL’s) and cognitive impairment
    • E. Long-term Care Policies / 7. Terminology / i. Medically necessary or appropriate
    • E. Long-term Care Policies / 7. Terminology / j. Plan of care
    • E. Long-term Care Policies / 7. Terminology / k. Adult day care
    • E. Long-term Care Policies / 7. Terminology / l. Hospice care
    • E. Long-term Care Policies / 8. Replacement
    • E. Long-term Care Policies / 9. Unintentional lapse
    • E. Long-term Care Policies / 9. Unintentional lapse / a. secondary addressee
    • E. Long-term Care Policies / 9. Unintentional lapse / b. cognitive impairment
    • E. Long-term Care Policies / 10. Long-Term Care partnership
    • E. Long-term Care Policies / 11. Medicaid--relationship to Long-Term Care
    • F. Requirements for small employers
    • F. Requirements for small employers / 1. Definitions
    • F. Requirements for small employers / 2. Special Provisions
    • F. Requirements for small employers / 3. Disclosure requirements
    • F. Requirements for small employers / 4. Denial/Termination/Nonrenewal
    • F. Requirements for small employers / 5. Fair Marketing Standards
    • F. Requirements for small employers / 6. Benefit plans offered
    • F. Requirements for small employers / 7. Availability of coverage
    • F. Requirements for small employers / 8. Small Employer Rating, Renewability and Portability Act
    • F. Requirements for small employers / 9. Guaranteed issue
    • F. Requirements for small employers / 10. Employee declination of coverage
    • G. Florida Healthy Kids Corporation
    • H. Requirements relating to HIV/AIDS
    • I. Plan Types
    • I. Plan Types / 1. Health Maintenance Organization (HMO)
    • I. Plan Types / 2. Preferred Provider Organization (PPO)
    • I. Plan Types / 3. Exclusive provider organization (EPO)
    • I. Plan Types / 4. Prepaid service organization
    • I. Plan Types / 5. Indemnity plan
    • I. Plan Types / 6. Discount medical plan organization (DMPO)
    • J. Dread disease policy
Examination sources