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    Florida (FL)
    Last Updated: 25 Jul 2025
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Contact

987-254-6875

Mail

AgentLicensing@MyFloridaCFO.com

Address

Florida Department of Financial Services 200 E Gaines St. Tallahassee, FL 32399-0319 United States

Florida Licensing and Renewal Guide for Property and Casualty Insurance

last updated 25 Jul 2025

Florida Licensing and Renewal Guide for Property and Casualty Insurance

Inside This Guide, You'll Find:

  1. How to apply for or renew a Florida producer property and casualty insurance license.
  2. What fees to expect for obtaining and maintaining insurance licenses.
  3. How to meet continuing education (CE) requirements and deadlines.
  4. How to access resources and contact information to simplify the process.

Rules and Requirements for Florida Property and Casualty Insurance Licenses

New applicants must meet Florida’s eligibility standards, including age, residency, and background requirements.

What is the minimum age to apply for a new license?

Applicants must be at least eighteen (18) years old.

Do I need to provide any specific identification to apply?

Yes, you must have a SSN (Social Security Number) with U.S. work authorization.

Is proof of residency required?

Yes, you are required to provide proof of residency within the state.

Can I hold an active resident license in another state?

No, you cannot currently hold an active resident license in another state.

Have you ever been convicted of a felony?

Certain felonies permanently bar an individual from applying for licensure. Some misdemeanors require the applicant to wait through a disqualifying period.

What happens if I have a misdemeanor on my record?

Some misdemeanors require the applicant to wait through a disqualifying period.

Tip: Non-citizens must submit work authorization documentation to agentlicensing@myfloridacfo.com

How to Apply or Renew an Insurance License in Florida

Applying for a New Producer License

MyProfile at DICE is the main interface to view licensing information and compliance requirements with the Florida Department of Financial Services' Division of Insurance Agent and Agency Services.

Applying for a New Producer License

  1. MyProfile at DICE is the main interface to view and apply for licensing information and compliance requirements with the Florida Department of Financial Services‘ Division of Insurance Agent and Agency Services.  
    1. Prepare required documents like proof of pre-licensing education. 
    2. Complete fingerprinting with IdentoGO by Idemia (fees apply). 
    3. Pass required license exams with Pearson VUE, Florida’s testing vendor. 
    4. Once your license is issued and approved, submit your appointment for Lines of Authority at eAppoint. 

Tip: There is a limit of 5 attempts for the same license test within a 12-month time span. After 5 attempts, the applicant cannot take the test again until there are 4 exams in the past 12 months.

Renewing a License

Florida licenses are perpetual, so renewals are not required. A license only expires if the licensee fails to make an appointment for more than 48 months or or fail to complete continuing education requirements.

Renewing a Florida Producer License

Florida licenses are perpetual, so renewals are not required. A license only expires if the licensee fails to make an appointment for more than 48 months or to complete bi-annual CE requirements.  

  • Complete continuing education (CE) hours bi-annually by the end of the licensee’s birth month. 

Renewal Period: Licenses are perpetual but require CE completion every two years before renewal date.

Late Renewals: Appointments can only be made if CE requirements are completed on time. Failing to hold at least one appointment after 48 months results in the license expiring. If the license expires, the licensee must apply as a new applicant. 

Non-Resident Producer Licensing

Provide license number or National Producer Number (from the licensed resident state) or Social Security Number (first-time applicants) or FEIN (Federal Employer Identification Number).

Non-Resident Producer Licensing

  1. Provide license number or National Producer Number (from the licensed resident state) or Social Security Number (first-time applicants) or FEIN (Federal Employer Identification Number). 
  2. Include date of birth (individual applicants). 
  3. Specify applicant type, license type, and residency type. 
  4. Pay electronically using Visa, Mastercard, AMEX, or electronic check. 

Key Information: An applicant must hold an active resident state license before applying for a non-resident license in Florida.

Business Entity Applications

Provide at least one individual Owner, Officer, Partner or Director (OPOD) entry listed as an owner or officer.

Florida Business Entity Insurance License Applications

  1. Provide at least one individual Owner, Officer, Partner, or Director (OPOD) entry listed as an owner or officer. 
  2. Include one Designated Responsible Licensed Producer (DRLP) with an active Florida license and major line of authority. 
  3. Florida prohibits business entities with “Medicare” or “Medicaid” in the name. 
  4. Phone numbers must have 10 digits and may not have area codes starting with “0” or “1.” 

Florida Producer Licensing Fees

Non-refundable licensing fees apply throughout the licensing process for appointments, exams, fingerprinting, and other services as follows.

Fees When to Pay Price Exceptions
License Application pay during the application process $50 Members of the US Armed Forces and their families may qualify for exceptions to state licensing application fees
Title Agent/Agency pay during the application process $10
License ID pay during the application process $5
State Exam pay to to examination vendor $44 (as of 10/01/2018)
Fingerprinting pay to fingerprint vendor $49.50

Disclaimer: Fees and requirements may change at any time without prior notice. For the most accurate and up-to-date details, we recommend verifying fees through the MyFloridaCFO Florida Department of Insurance (FLDOI) website directly.

Insurance Pre-licensing and Continuing Education (CE) in Florida

The requirements depend on the license type and number of years since the initial licensure. Individual requirements are available in the licensee’s MyProfile account at DICE. Search the pre-licensing and CE requirements to find specific courses according to license type, city, or provider.  

The CE courses must match the licensee’s lines of authority. LH and PC licenses require 50% of hours in each line. A Law and Ethics update course is required as part of the CE hours. 

Years Licensed Requirements
Less than 6 years 24 hours of CE biennially
4 hours Law and Ethics
More than 6 years 20 hours of CE biennially
4 hours Law and Ethics
Licensed 25 + years
(CLU, CPCU, or RMI)		 10 hours of CE biennially
4 hours Law and Ethics

Tip: Up to 24 hours of excess CE credits can be carried over to the next compliance period from the previous period.

Deadline: Complete CE by the end of the birth month following the second license anniversary and biennially thereafter. CE must be completed before submitting a renewal application.

FAQs

Licenses are perpetual, but require completion of CE every two years, before your license renewal date.

You may need to reapply as a new applicant and pay additional fees.

Use tools available on the Florida-specific MyProfile account.

Create a MyProfile account at DICE to monitor the status.

This content is intended for general informational purposes only. Regulatory compliance may differ across states, and users are responsible for understanding and adhering to the rules relevant to their insurance practices.

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