Florida Insurance Prelicensing State Requirements

FLORIDA INSURANCE PRELICENSING INFORMATION

Florida requires potential agents take and complete a state approved prelicensing course before taking their licensing exam.

HOW DO I COMPLETE MY EXAMFX PRELICENSING EDUCATION COURSE?

To earn your certificate of completion, you must:

Complete all Study by Topic reading chapters and Study by Topic quizzes. Study by Topic quizzes must be passed with a score of 70% or better.
Complete flashcard exercises.
Access and completely view all video lectures.
Complete and pass the simulated exam with a score of 70% or better.

DON'T FORGET YOUR GUARANTEE EXAM!

ExamFX is so confident in the quality of its material that we offer our customers a first-time pass guarantee. If you don’t pass the first time around, we will refund your money. To qualify for this offer, you must pass our Guarantee Exam with a score of 80% to determine maximum exam readiness. While completing this portion of your online course is not required, we highly recommend taking this extra step.

HOW DO I GET MY LICENSE?

Step 1: Complete a prelicensing course that has been approved by the Department of Insurance. Once you have completed your course, ExamFX will issue a certificate of completion which you may download and print from your online ExamFX account.

Step 2: Schedule your exam with your state’s testing provider, Pearson VUE. The fastest way to schedule your exam is to do so online at www.pearsonvue.com/fl/insurance. You can also schedule your exam over the phone at (888) 274-2020. Your exam may be taken at a physical Pearson Vue examination center or via a remote online proctored exam. Exam fees must be paid at the time of reservation.

To change of cancel your testing appointment, you must contact Pearson VUE at least 48 hours in advance or forfeit the examination fee.

IMPORTANT NOTE: When you register for ExamFX prelicensing courses, schedule your license exam, and/or apply for your license it is important to use the same name that appears on the identification forms you plan to present at the time of your testing appointment.

Step 3: Take and pass your state licensing exam. On the day of your appointment you must bring with you one valid form of government issued identification (driver’s license, passport, military I.D., etc.) which must contain your name and photograph. You will not be able to take your exam if these requirements are not met.

You will receive a photo-bearing score report that is marked “pass” or “fail.” You will receive a score report that includes the numeric score and diagnostic information. If you fail your exam you will also receive reexamination instructions.

Step 4: Apply for your license. Florida resident applicants must use the online application service called MyProfile, accessible here.

Be aware that the state of Florida requires fingerprinting. Candidates must be fingerprinted through IdentoGO by Idemia. You can register, find locatins, and pay for fingerprinting by visiting www.L1enrollment.com/FLinsurance. The fee is $45.80, plus local Florida county sales tax. After payment is made, you must submit your fingerprints electronically via LiveScan. A list of locations will be provided to you following registering with IdentoGO. The results of your criminal history check are submitted electronically to Florida Department of Financial Services.

Additional licensing application guidance may be accessed, here https://www.myfloridacfo.com/Division/Agents/Licensure/Agents-Adjusters/. Once your application is complete, the Florida Department of Financial Services will notify you of your license or registration status by email and your MyProfile Account.

Step 5: Maintain your license by being aware of your continuing education requirements. Most insurance licenses must be maintained by completing a certain number of credit hours of continuing education each licensing period. ExamFX offers continuing education courses that will help you comply with your state’s requirements. Click here to view your state’s education rules and stay on top of your license.

WHAT WILL MY EXAM BE LIKE?

Your exam experience is dependent on the line of authority you are testing for but all exams take place by computer. Carefully review the below examination breakdowns to learn important factors like:

the number of questions on your exam
the time limit
the subjects that you will be tested on
the score that you must achieve to pass the exam

Please note that the included testing outlines apply to those courses that ExamFX currently offers. State exams are offered in Spanish. The following ExamFX courses are currently available in Spanish: Florida Agent’s Life, Florida Agent’s Health, Florida Agent’s Health & Life.

Florida Agent’s Life (including Annuities & Variable Contracts) Insurance Examination
100 Total Questions (85 scored, 15 pretest)
Time Limit: 120 minutes
Passing score: 70%

CHAPTER		PERCENTAGE OF EXAM

GENERAL INSURANCE:
Completing the Application, Underwriting, and Delivering the Policy		14%
Types of Life Policies		14%
Life Policy Provisions, Riders and Options		21%
Taxes, Retirement, and Other Insurance Concepts		9%
STATE LAW:
Florida Statutes, Rules, and Regulations Common to All Lines		24%
Florida Statutes, Rules, and Regulations Pertinent to Life and Annuity Insurance, Including Variable Products		18%

Florida Health Insurance Examination
100 Total Questions (85 scored, 15 pretest)
Time Limit: 120 minutes
Passing score: 70%

CHAPTER		PERCENTAGE OF EXAM

GENERAL KNOWLEDGE:
Field Underwriting Procedures		11%
Types of Health Policies		16%
Health Policy Provisions, Clauses, and Riders		23%
Social Insurance		4%
Other Health Insurance Concepts		5%
STATE LAW:
Florida Statutes, Rules, and Regulations Common to All Lines		23%
Florida Statutes, Rules, and Regulations Pertinent to Health Insurance		18%

Florida Agent’s Health & Life (including Annuities & Variable Contracts) Insurance Examination
165 Total Questions (150 scored, 15 pretest)
Time Limit: 175 minutes
Passing score: 70%

CHAPTER		PERCENTAGE OF EXAM

GENERAL KNOWLEDGE:
Completing the Application, Underwriting, and Delivering the Life Policy		8%
Types of Life Policies		8%
Life Policy Riders, Provisions, Options, and Exclusions		12%
Taxes, Retirement, and Other Insurance Concepts		5%
Field Underwriting Procedures		6%
Types of Health Policies		9%
Health Policy Provisions, Clauses, and Riders		14%
Social Insurance		2%
Other Health Insurance Concepts		3%
STATE LAW:
Florida Statutes, Rules, and Regulations Common to All Lines		13%
Florida Statutes, Rules, and Regulations Pertinent to Life and Annuity Insurance, Including Variable Products		10%
Florida Statutes, Rules, and Regulations Pertinent to Health Insurance		10%

Florida General Lines Insurance Examination
175 Total Questions (160 scored, 15 pretest)
Time Limit: 2 Hours 45 Minutes
Passing score: 70%

CHAPTER		PERCENTAGE OF EXAM

GENERAL KNOWLEDGE:
Insurance Terms and Related Concepts		18%
Provisions and Contract Law		14%
Types of Property Policies		16%
Types of Casualty Policies, Bonds, and Related Terms		16%
STATE LAW:
Florida Statutes, Rules, and Regulations Common to All Lines		15%
Florida Statutes, Rules, and Regulations Pertinent to General Lines Insurance		15%
Florida Statutes, Rules, and Regulations Pertinent to Health Insurance		6%

Please know that the Florida Statutes require candidates applying for a General Lines agent license to complete 200 hours of coursework in property, casualty, surety, health, and marine insurance, including 3 hours of ethics education. Completing this course and obtaining a certificate of completion satisfies that requirement.

Florida Personal Lines Examination
110 Total Questions (100 scored; 10 pretest)
Time Limit: 120 minutes
Passing score: 70%

CHAPTER		PERCENTAGE OF EXAM

GENERAL KNOWLEDGE:
Insurance Terms and Related Concepts		28%
Policy Provisions and Contract Law		24%
Types of Property Policies		10%
Types of Casualty Policies		13%
STATE LAW:
Florida Statutes, Rules, and Regulations Common to All Lines		15%
Florida Statutes, Rules, and Regulations Pertinent to Personal Lines Insurance		10%

Note that the practice tests and the state exam will be broken into two sections: General Knowledge and State Law; however, you'll receive one overall score.

I FAILED MY EXAM. NOW WHAT?

We are sorry to hear that you have failed your first attempt at passing your state’s licensing exam. These licensing exams are difficult and some candidates must try again to reach their goal. We want to help you get there, so we recommend that you:

Step 1: You must re-register by following the initial registrations and scheduling steps after a 48 hour waiting period. A candidate may take the same examination type only five times during a twelve-month period.

Step 2: ExamFX’s subject matter experts are available by email at [email protected] to help you pass your licensing exam on your next attempt. Many testing providers will supply you with a score report or performance summary after your testing appointment. Use this report to let the ExamFX subject matter experts know what areas of the exam that you are struggling the most with.

Step 3: Study your materials. ExamFX materials are created by analyzing the exact testing outline supplied by your testing provider or Department of Insurance. This means that all the information that you need to pass your exam is within your course. Be confident that with more studying, you can pass your licensing exam and achieve your goals!