Florida Life & Health Insurance Agent Exam: Fees, Registration & Licensing Steps

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Become a licensed Life & Health insurance agent in

Florida

Verified Nov 8, 2026 · Source: Candidate Handbook, 2024; #121000 footer 08/2024

Testing vendor: Pearson VUE
Testing format: Test centers are listed. Remote availability is needs confirmation on the current program page; check before booking.
Before registering: Complete approved prelicensing education unless a state exemption applies; bring the required completion certificate or waiver.

Exam options & fees

Life and Annuity (including Variable Contracts), 2-14$44License application basis: $50 application + $5 License ID (DFS) · Source
Health Agent, 2-40$44License application basis: $50 application + $5 License ID (DFS) · Source
Health and Life and Annuity (including Variable Contracts), 2-15$44License application basis: $50 application + $5 License ID (DFS) · Source

License application amounts are not a new charge for every exam component. Separate examinations, combined examinations and discounted sessions are labeled above.

Other licensing costs

License application — standard Life / Health route$50 application through DFS / MyProfileOfficial source
Confirm with the state
NIPR transaction — only if applying through NIPR$5.60 per applicationOfficial source
DFS License ID$5 License ID charge through DFS; NIPR’s $5-per-LOA wording applies to its own application route, rather than an additional DFS chargeOfficial source
DFS credit-card application convenience charge$2.45 when paying the application by credit cardOfficial source
Other vendor / processing chargesCheck the official page for any additional processing chargesOfficial source
Fingerprinting / backgroundFingerprinting costs are listed below. Some states collect them with your application; any included charge is not an additional fee.

Go directly to the official source

Register / schedule your exam Find test centers / locations Candidate handbook / official exam guide Official examination fee source State insurance licensing authority Resident license application requirements

Location and remote availability depend on examination eligibility, date and vendor rules.

Register for the Florida insurance agent exam

Complete approved prelicensing education unless a state exemption applies; bring the required completion certificate or waiver.
Open the official testing program; create an account using the legal name on your identification.
Choose the correct examination and permitted testing format, select an appointment, and pay the official examination fee.
Keep the confirmation. Review the handbook’s exact name-match, photo ID, certificate, check-in, cancellation and retake requirements.

After passing

Complete or finish the resident license application in Florida DFS MyProfile and required fingerprinting; check MyProfile for issuance.

Source differences & fee cautions

License ID versus per-LOA charge · Confirm with the stateFor DFS/MyProfile applications, the state charge is $50 plus $5 for the License ID. NIPR describes the $5 charge per line of authority instead. Confirm the total for a multi-line NIPR application before paying; these are alternative fee descriptions, not two additional charges.

Fingerprinting & background checks

Requirement: Required, subject to listed exemptions
State instructions: New resident Life/Health insurance-agent applicants must complete fingerprint-based criminal history review through the DFS-designated IdentoGO vendor. Other vendors/states’ results are not accepted.
Vendor / contact: IdentoGO by Idemia · Florida DFS Agent Licensing
Separate cost: $52.50 plus local Florida county sales tax

When to fingerprint, fee details & official sources

When in the process: Complete for licensing before license issuance. Results valid ONE YEAR for an applicant who does not hold a valid FL agent license. Existing licensees adding a license generally reuse DFS prints taken within 48 months unless specifically requested.
Fee / route notes: $24 FDLE + $15 FBI + $13.50 Idemia; local county sales tax may apply. Use the fingerprint vendor link on DFS instructions, not a generic IdentoGO program.

Official fingerprint scheduling / instructions

Additional life-related, restricted & specialty license types (2)

These are not shortcuts to unrestricted Life & Health authority. Appointment, securities, employer, tenure and exemption conditions can apply.

Agent — Life with Variable Annuities
Examination
Life and Annuity including Variable Contracts (2-14)
Exam fee
$44
Application
$50 application + $5 License ID (DFS); NIPR separately says +$5 per LOA — confirm route
Official source 1 Official source 2
Agent — Credit
Examination
No state insurance examination required for this authority
Exam fee
Not required — state insurance exam
Application
$50 application + $5 License ID (DFS); NIPR separately says +$5 per LOA — confirm route
Official source 1 Official source 2

Non-resident licensing summary

Already licensed in another state? Qualifying matching Life / A&H authority usually does not require a new target-state exam. Home-state-dependent fees, fingerprint exemptions and other conditions differ from the resident path. Confirm your final eligibility and payment total on the official application.

Confirm with the state. Fees for a combined 8-15 license differ by application route. NIPR lists $50 + $5 per line of authority; DFS lists $50 application + $5 per License ID. The DFS state fee is $55 per license class. The combined NIPR charge has not been confirmed as $55 or $60; confirm the total with Florida DFS before applying.

Non-resident state fees

Life-only state application: $55 via DFS ($50 application + $5 License ID)
A&H-only state application: $55 via DFS ($50 application + $5 License ID)
Life + A&H in the same application: $55 for one DFS combined 8-15 license class; NIPR billing wording disputed
NIPR transaction — separate, only for NIPR applications: $5.60 is the general NIPR transaction fee. Combined-license billing for Florida needs confirmation; confirm your total with Florida DFS and NIPR before applying.

Authoritative DFS state schedule: $50 application + $5 License ID, thus $55 for a single 8-14 Life, 8-40 Health, or combined 8-15 license class via DFS/MyProfile. The ID charge is not described by DFS as per LOA. NIPR instead says $50 + $5 per LOA; actual combined 8-15 NIPR billing is unverified. Fingerprints, appointments and transaction/convenience fees separate.

Fingerprinting & background

Requirement: Conditional — review official home-state rules on the interactive map and the target-state instructions
State instructions: Florida fingerprints are required unless a prior Florida fingerprint record qualifies. Results are valid for one year without a current Florida insurance license. A valid Florida licensee fingerprinted through DFS within the past 48 months generally needs no repeat unless requested. IdentoGO costs $52.50 plus local county tax; a hard-card kit or shipping may cost extra. Fingerprints from your home state alone are not an exemption.

Continuing education and other notes

Home-state CE accepted when reciprocal; Florida-specific 4-hour update is waived for qualifying reciprocal nonresidents. License requires insurer appointment to be valid. Active corresponding Life and/or Health authority at home required; Florida includes Variable Annuity in Life license, but cannot transact variable annuities unless authorized at home. Setup DFS MyProfile to monitor deficiencies. License expires after 48 months unappointed. DFS lists nonresident appointments $60 plus $6 per county in which physically transacting insurance; application/card convenience fees may be separate. Fingerprints currently $52.50 plus applicable tax. These are not included in license/NIPR fees.

Non-resident license types

8-14 Nonresident Life (including Variable Annuity)
Lines
Life
Fee
$55 per DFS license class ($50 application + $5 License ID); confirm combined-license NIPR billing with Florida DFS
As NIPR published
$50 + $5 per selected LOA
8-40 Nonresident Health
Lines
Health
Fee
$55 per DFS license class ($50 application + $5 License ID); confirm combined-license NIPR billing with Florida DFS
As NIPR published
$50 + $5 per selected LOA
8-15 Nonresident Life & Health (including Variable Annuity)
Lines
Life, Health
Fee
$55 per DFS license class ($50 application + $5 License ID); confirm combined-license NIPR billing with Florida DFS
As NIPR published
$50 + $5 per selected LOA
DFS lists $50 application + $5 License ID. NIPR describes a per-line-of-authority charge; confirm the combined-license total before applying.

General non-resident rules

Home-state license not verifiable through NAICProvide Letter of Certification dated no earlier than 30 days from application if Florida cannot verify through NAIC. Standard PDB/NAIC verification avoids letter.
Requesting 8-15 combined Life & Health; or Variable Annuity activityMust hold active resident Life and Health for 8-15. Home variable authority not required merely to obtain Florida 8-15, but required before transacting variable annuities. No reviewed Life/A&H home-state exclusion; Title/adjuster exclusions on NIPR page are not L&H rules.

Source differences

Combined Life/Health 8-15 state fee and NIPR billingDFS lists a $55 state fee for one combined 8-15 license class. NIPR describes a per-line charge instead; confirm the total for a combined application with Florida DFS before paying.

Official non-resident application links

NIPR online licensing NIPR target-state requirements and fees Florida DFS MyProfile

Explore the interactive non-resident path for Florida