All-in-One Florida Insurance Licensing Made Simple

Florida’s state licensing exam is based on study manuals approved by the Florida Department of Financial Services. While this course is designed to align with those approved materials, students must obtain the most current edition of the applicable Florida study manual for additional reference and exam preparation. According to F.A.C. Rule 69B-227.260, study manuals are required for all attendees of a pre-licensing course in Florida.

Approved Study Manual Vendors:

• NAIFA-Florida: fl.naifa.orgFl.naifa.org | (850) 422-1701
• FAIA: faia.comFaia.com | (850) 893-4155
• FSLSO (Surplus Lines): fslso.comFslso.com | (800) 562-4496
• Title Agents: kooglergroup.comKooglergroup.com | (727) 787-5010

A complete and current list of approved study manual vendors is available at myfloridacfo.comMyfloridacfo.com.

You'll take two separate state exams: one for Life & Health and one for Property & Casualty. Both include general insurance knowledge and Florida-specific regulations. 

Here's what to expect:

• Life & Health: Life insurance policies, annuities, health and accident insurance, Florida insurance law.
• Property & Casualty: Homeowners, auto, commercial property, liability, Florida insurance law.

You need a score of 70% to pass each examPre License Whats Actually On The Florida Insurance Exam Resources. Taking practice tests that mirror the real exam format is one of the most effective ways to prepare.

The exams are challenging but very passable with the right preparation. Florida's pass rates are above the national average, and most students who complete a quality pre-licensing course pass on their first attempt.

A few things that make the exams manageable:

• Questions are multiple choice
• You have plenty of time (roughly 1 minute per question)
• The content is learnable, no surprises if you've done the coursework

The key is understanding concepts, not just memorizing facts. Many questions are scenario-based, so knowing how to apply what you've learned matters more than rote memorization. If you're wondering how to study effectively, we've got tipsPre License How To Study Insurance Licensing Exam Resources that can help.

This course includes 260 hours of state-required pre-licensing education, 60 hours for Life & Health, and 200 hours for Property & Casualty. 

How quickly you finish depends on your schedule:

• Full-time study: Some students finish in a few weeks
• Part-time study: Most complete the course in 6–10 weeks
• Flexible pacing: Study whenever it works for you. The course is 100% online and mobile-friendly

There's no deadline pressure. You'll have plenty of time to work through the material and feel confident before scheduling your exams.

With both licenses, you're authorized to sell the full range of insurance products most Floridians need:

• Life insurance
• Health insurance
• Annuities
• Auto insurance
• Homeowners and renters insurance
• Commercial property and liability coverage

Having both licenses means you can serve clients' complete insurance needs, which increases your earning potentialPre License What Are The Best Paying Jobs In Insurance Resources and makes you more competitive in the job market. Many of the highest-paying roles in insurance require agents who can offer multiple lines of coverage.