2-15 Health & Life (Including Annuities & Variable Contracts) Agent License

Common Use(s) of License:

An individual representing an insurer as to life insurance and annuity contracts, including agents appointed to transact life insurance, fixed-dollar annuity contracts, or variable contracts by the same insurer. Annuity contracts, including, but not limited to, fixed or variable annuity contracts; the granting of endowment benefits, additional benefits in event of death or dismemberment by accident or accidental means, additional benefits in event of the insured’s disability; and optional modes of settlement of proceeds of life insurance. Representing a health maintenance organization or, as to health insurance only, an insurer transacting health insurance; insurance against loss through sickness or accidental bodily injury.

Related Florida Statutes:

624.602, 624.603, 626.015 & 626.785




Step 1 – You must be:
  • A person at least 18 years of age.
  • A resident of the state of Florida.
  • A United States citizen or legal alien who possesses a work authorization from the United States Immigration and Naturalization Services.


Step 2 – Must have the following prerequisite(s) before applying:
  • Have completed a 60 hour approved insurance course for life and health including variable annuity insurance. Must be completed within 4 years of application date.
  • Within the last 4 years, successfully completed:
    • 40 hour life, annuity, and variable contracts pre-licensing course, or
    • Chartered Financial Consultant (ChFC) from the American College of Financial Services, or
    • Fellow, Life Management Institute (FLMI) from the Life Management Institute


    • 40 hour health pre-licensing course, or
    • Certified Employee Benefit Specialist (CEBC) from the Wharton School of the University of Pennsylvania, or
    • Chartered Healthcare Consultant (ChHC) from the American College of Financial Services, or
    • Health Insurance Associate (HIA) from the America’s Health Insurance Plans, or
    • Registered Employee Benefits Consultant (REBC) from the American College of Financial Services, or
    • Registered Health Underwriter (RHU) from the American College of Financial Services


  • Earned a degree which includes at least 9 semester hours of health insurance, life insurance, annuities, and variable contracts from an accredited college or university
  • Become a resident of Florida, held a valid resident license with the equivalent line of authority for at least 1 continuous year prior to applying for a license in Florida, and submit the application for the Florida health & life (including annuities & variable contracts) license within 90 days of becoming a resident of Florida.
  • Have an original letter from the American College of Financial Services certifying the licensee was awarded the Chartered Life Underwriters (CLU) designation.


Step 3 – Apply:
  • Create a MyProfile account and answer all of the questions and pay the fees to complete online application.


Step 4 – Send prerequisite(s) to department:
  • Send proof of prerequisite, as indicated in Step 2, to the Bureau.
    Note: Once you have taken a prelicensing course, Insurance Institute of South Florida will automatically send the Bureau proof within 20 days of your passing date. This does not include designations.


Step 5 – Fingerprints:


Step 6 – Status notification(s):
  • Once an application has been submitted, you may check your MyProfile account for the status of your application. Deficiencies will be listed under the pending license type.


Step 7 – Examination:
  • Upon approval, an email will be sent to you directing you to check your messages in your MyProfile account. Follow the message’s instructions to schedule the examination.


Step 8 – Print license:
  • Once all the above steps have been satisfied, the department will send your approval by email. You may then go to your MyProfile account and print your license. If you are required to take an examination, you will not be able to print your license until the department has received a passing result from the testing vendor.