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Getting Licensed in Florida

Getting Licensed in Florida

What type of Insurance License is needed to offer Medicare plans in Florida?

Health insurance license (producer)

What are the steps to apply for an insurance in Florida?

Step 1: Complete a prelicensing course that has been approved by the Department of Insurance. Once you have completed your course, ExamFX will issue a certificate of completion which you may download and print from your online ExamFX account.

Step 2: Schedule your exam with your state’s testing provider, Pearson VUE. The fastest way to schedule your exam is to do so online at www.pearsonvue.com/fl/insurance. You can also schedule your exam over the phone at (888) 274-2020. Your exam may be taken at a physical Pearson Vue examination center or via a remote online proctored exam. Exam fees must be paid at the time of reservation.

To change of cancel your testing appointment, you must contact Pearson VUE at least 48 hours in advance or forfeit the examination fee.

IMPORTANT NOTE: When you register for ExamFX prelicensing courses, schedule your license exam, and/or apply for your license it is important to use the same name that appears on the identification forms you plan to present at the time of your testing appointment.

Step 3: Take and pass your state licensing exam. On the day of your appointment you must bring with you one valid form of government issued identification (driver’s license, passport, military I.D., etc.) which must contain your name and photograph. You will not be able to take your exam if these requirements are not met.

You will receive a photo-bearing score report that is marked “pass” or “fail.” You will receive a score report that includes the numeric score and diagnostic information. If you fail your exam you will also receive reexamination instructions.

Step 4: Apply for your license. Florida resident applicants must use the online application service called MyProfile, accessible here.

Be aware that the state of Florida requires fingerprinting. Candidates must be fingerprinted through IdentoGO by Idemia. You can register, find locatins, and pay for fingerprinting by visiting www.L1enrollment.com/FLinsurance. The fee is $45.80, plus local Florida county sales tax. After payment is made, you must submit your fingerprints electronically via LiveScan. A list of locations will be provided to you following registering with IdentoGO. The results of your criminal history check are submitted electronically to Florida Department of Financial Services.

Additional licensing application guidance may be accessed, here https://www.myfloridacfo.com/Division/Agents/Licensure/Agents-Adjusters/. Once your application is complete, the Florida Department of Financial Services will notify you of your license or registration status by email and your MyProfile Account.

Step 5: Maintain your license by being aware of your continuing education requirements. Most insurance licenses must be maintained by completing a certain number of credit hours of continuing education each licensing period. ExamFX offers continuing education courses that will help you comply with your state’s requirements. Click here to view your state’s education rules and stay on top of your license.

How do I study for my Insurance License in Florida?

Florida requires potential agents take and complete a state approved prelicensing course before taking their licensing exam, which should significantly prepare you for the exam. However, there are other resources to be found online as well. Here is a breakdown of each topic covered on the licensing exam:

 Florida Health Insurance Examination

100 Total Questions (85 scored, 15 pretest)

Time Limit: 120 minutes

Passing score: 70%

GENERAL KNOWLEDGE:

  • Field Underwriting Procedures
  • Types of Health Policies
  • Health Policy Provisions, Clauses, and Riders
  • Social Insurance
  • Other Health Insurance Concepts

STATE LAW:

  • Florida Statutes, Rules, and Regulations Common to All Lines
  • Florida Statutes, Rules, and Regulations Pertinent to Health Insurance
  • Please refer to the state testing website,  www.pearsonvue.com/fl/insurance, for more exam information.

How do I schedule to take the Insurance exam in Florida?

Schedule your exam with your state’s testing provider, Pearson VUE. The fastest way to schedule your exam is to do so online at www.pearsonvue.com/fl/insurance. You can also schedule your exam over the phone at (888) 274-2020. Your exam may be taken at a physical Pearson Vue examination center or via a remote online proctored exam. Exam fees must be paid at the time of reservation.

To change of cancel your testing appointment, you must contact Pearson VUE at least 48 hours in advance or forfeit the examination fee.

IMPORTANT NOTE: When you register for ExamFX prelicensing courses, schedule your license exam, and/or apply for your license it is important to use the same name that appears on the identification forms you plan to present at the time of your testing appointment.

When I test for the Insurance License are there different parts?

Yes, there are 2 categories within the exam: General Knowledge and State Law. Each Category has several topics; Here is a list of all the topics covered in the exam:

 Florida Health Insurance Examination

100 Total Questions (85 scored, 15 pretest)

Time Limit: 120 minutes

Passing score: 70%

GENERAL KNOWLEDGE:

  • Field Underwriting Procedures
  • Types of Health Policies
  • Health Policy Provisions, Clauses, and Riders
  • Social Insurance
  • Other Health Insurance Concepts

STATE LAW:

  • Florida Statutes, Rules, and Regulations Common to All Lines
  • Florida Statutes, Rules, and Regulations Pertinent to Health Insurance
  • Please refer to the state testing website,  www.pearsonvue.com/fl/insurance, for more exam information.

How do I apply for a non-resident Insurance License in Florida?

Apply for your license. Florida resident applicants must use the online application service at www.nipr.com. Additional licensing application guidance may be accessed on the NIPR website.

Licensing Fee is $50 for Residents and Non-Residents.

Maintain your license by being aware of your continuing education requirements. Most insurance licenses must be maintained by completing a certain number of credit hours of continuing education each licensing period. ExamFX offers continuing education courses that will help you comply with your state’s requirements.

How do I renew my Insurance License in Florida?

Insurance agent and adjuster licenses are perpetual (no renewal required), provided that the licensee is properly appointed. The license will expire if it goes 48 months without an appointment. Failure to complete continuing education requirements may result in cancellation of an appointment that could lead to expiration of the license.

 What do I do if my license has expired in Florida?

Failure to maintain at least one active appointment will result in the expiration of your license (after the 48-month period has elapsed). To obtain your license again, you may have to requalify as a first-time applicant.

What do I do for continuing education to keep my license in Florida?

For producers of Life and Health (2-14 Life and Variable Annuity, 2-15 Life, Health and Variable Annuity, 2-16 Life Only, 2-18 Life and Health) AND/OR Property and Casualty (2-20) AND/OR Adjusters licensed less than 6 years: Florida requires that each producer complete 24 hours of continuing education including a state- approved and license-specific 5 Hour Law and Ethics Update course every two-year license term.

For producers of Life and Health (2-14 Life and Variable Annuity, 2-15 Life, Health and Variable Annuity, 2-16 Life Only, 2-18 Life and Health) AND/OR Property and Casualty (2-20) AND/OR Adjusters licensed 6 years or more: Florida requires that each producer complete 20 hours of continuing education including a state- approved and license-specific 5 Hour Law and Ethics Update course every two-year license term.

Producers must complete their continuing education by the last day of their birth month each 24- month licensing period.

For additional details on your compliance start period, please clickhere: http://www.myfloridacfo.com/Division/Agents/Licensure/General/FAQ.htm

 Excess hours accumulated during any 2-year compliance period may be carried forward to the next compliance period.