Become a Licensed General Insurance Agent in Florida

| December 27, 2012

The general producer’s insurance license in the state of Florida is also known as the general lines insurance license 220.

With the general insurance license, Florida agents can sell property/casualty insurance on both a personal and commercial insurance level.

To become a licensed producer in the state of Florida applicants must be at least 18 years old, live in the state of Florida and must be a US Citizen or a legal alien.

Florida Pre-Licensing Education Requirements

The Florida Department of Financial Services requires each producer license candidate to complete the necessary pre-licensing education requirements. Individuals without prior insurance experience must complete 200 course hours. Insurance professionals who hold the CPCU (Chartered Property Casualty Underwriter) designation do not have to sit for the 200 course hours. Additionally, new residents to the state of Florida who hold valid licenses from their old home state may skip the pre-licensing education as long as they apply for the Florida license within 90 days of becoming a Florida resident.

There are varying degrees of pre-licensing education/experience requirements for insurance professionals who have hands on experience in the field. The state of Florida allows its insurance professionals to use their hands on experience in lieu of taking the full 200 pre-licensing course hours. In addition to hands on experience, certain college level courses may replace the need for the entire 200 hours of class time.

For example, taking the right courses for 15 semester hours at an accredited college or university is sufficient to forgo the 200 hours, or working for a year in the field as a full-time employee handling all lines of insurance (property, casualty, surety, marine and health) is enough to waive the education requirements. To see all of the hours of service/hours of education combinations that can substitute for the 200 course hours, visit the Department of Finance Services website)Florida Agent

Insurance License Application

Florida requires insurance candidates to complete the Florida Resident and Non-Resident Electronic License Application. The same application is completed whether applying as an in state resident insurance producer or out of state non resident license. Be forewarned that the online application is only accessible to web surfers using the Internet Explorer Web browser. Not using that browser will cause a prompt to upgrade to Internet Explorer 5.0 or better.

After completing the application the Department of Financial Services sends a packet of information explaining what to do next. In summary, the next step is to get fingerprinted, make sure all of the necessary papers and education requirements are in order and schedule the licensing exam.

Florida State Licensing Exam

The state of Florida, like many other states, uses Pearson Vue to administer the insurance licensing exam. Candidates can visit the website to schedule the test at the most convenient testing center location. After taking the exam, candidates are notified immediately whether they have passed or failed and the scores are sent directly to the state. If the applicant’s paperwork is all in order, the state will issue the license upon receiving the passing test score.

Producer’s Insurance License Term

The insurance license is valid for two years. During the two years candidates must take continuing education credits. The number of credits required depends on the type of license and the number of years the broker has been licensed. To find out the continuing education requirements producers are encouraged to sign into their “my profile” section of the Department of Services website.

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Category: Florida, Insurance, Licensing

About the Author ()

Felicia A. Williams is a wife, mother, freelance writer and owner of Tidbits About Money.

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