Florida’s ordinary resident individual pathway uses the 2-14 Resident Life (Including Annuities & Variable Contracts) Agent License. It normally requires a 30-hour approved prelicensing course, a MyProfile application, fingerprints and background review, and the Pearson VUE state examination. Education, examination, transfer, and military exceptions depend on the applicant’s facts. A license alone does not authorize insurance transactions; an appropriate appointment is also required.
Eligibility
- Minimum age
- 18
- Residency requirement / status
- Ordinary resident-individual pathway for a bona fide Florida resident seeking the 2-14 Life (Including Annuities & Variable Contracts) authority. Nonresident, transfer, temporary, and foreign/military classes are separate routes.
- General eligibility explanation
- Be a natural person at least 18, be a bona fide Florida resident, be a U.S. citizen or a legal alien with work authorization, not hold another state’s resident license, and satisfy Florida’s class-specific restrictions. Final eligibility remains subject to Department review.
Prelicensing education
- Prelicensing education required
- Conditional
- Required education hours
- 30 hours for the ordinary 2-14 resident route
- Education requirement explanation
- Ordinary applicants must successfully teach or complete a Florida-approved 30-hour life and variable-contracts prelicensing course within four years before applying. The required state study manual applies to course attendees, and the provider reports course completion to the Bureau.
- Exemptions available
- Conditional
- Exemption explanation
- ChFC or FLMI holders may satisfy the education prerequisite but still take the exam. A qualifying insurance degree, CLU designation, or timely equivalent-license transfer may remove the exam requirement. Reciprocal former residents may receive a course waiver while still needing the Florida exam. Military prequalification relief must be confirmed for the applicant’s class and circumstances.
Background
- Fingerprints required
- Yes
- Background check required
- Yes
- Fingerprint / background instructions
- Florida resident applicants register with IdentoGO by Idemia and submit fingerprints electronically through LiveScan. The posted fee is $49.50 plus applicable Florida county sales tax. Results are searched through FDLE and FBI records and sent electronically to Florida DFS. Results are generally valid for one year when the applicant does not already hold a valid Florida insurance license.
Application
- Application required
- Yes
- Application fee
- $50 filing fee plus $5 license-identification fee; fingerprint and exam fees are separate
- Application channel / system
- Florida DFS MyProfile online application
- Application instructions
- Apply in MyProfile, pay applicable fees, and provide proof of the qualifying prerequisite. Complete DFS fingerprinting. When an examination is required, follow the authorization message in MyProfile to schedule it. DFS must receive a passing result before qualification. After approval, print the license from MyProfile. An insurer appointment is still required before transacting insurance.
- Official application reference
- https://dice.fldfs.com/public/pb_index.aspx
Renewal & maintenance
- Renewal cycle
- The individual license does not use a conventional periodic renewal; maintain CE and appointments. Obtain an appointment for each licensed class within 48 months to avoid license expiration.
- Renewal fee
- No separate ordinary individual-license renewal fee verified; the statutory appointment fee is generally $60 per appointment and appointments renew every 24 months
- CE required
- Conditional
- CE hours
- Ordinary requirement: 24 hours total; statutory reductions can lower elective hours for qualifying long-tenured licensees
- CE cycle
- Every two years, due on the last day of the licensee’s birth month
- Ethics hours
- 4-hour Life and Annuity Law and Ethics update course (5-214)
- CE explanation
- The ordinary 2-14 requirement is the 4-hour 5-214 Law and Ethics update plus 20 elective credits every two years. MyProfile controls the individual compliance period. CE compliance is required to continue or renew an appointment.
- CE exemptions / special rules
- Elective hours may be reduced after 6 or 25 years under statutory conditions. Nonresident reciprocity and governmental-employment exceptions are separate. Product-specific annuity training must be evaluated separately.
Portability
- Nonresident licensing available
- Yes
- Reciprocity / nonresident overview
- Florida offers a separate 8-14 nonresident route. A new Florida resident who held equivalent resident authority continuously for at least one year may use the transfer route when applying within 90 days of becoming a resident; fingerprints remain required. Other former residents may qualify for state-specific prelicensing reciprocity while still needing the Florida examination.
- Portability / mobility notes
- Do not apply ordinary resident education or examination language automatically to nonresidents or transferring residents. The former resident authority, home state, continuous-license period, and application timing determine available relief.
Military / veteran / spouse
- Veteran-specific provisions
- Members of the U.S. Armed Forces and their spouses, and honorably discharged veterans, are exempt from the license application filing fee after submitting accepted documentation. DFS also describes a prequalification exemption; confirm its exact effect on the 2-14 examination before relying on it.
- Military-spouse provisions
- A spouse of a U.S. Armed Forces member may qualify for the application filing-fee and prequalification relief described by DFS after submitting accepted documentation. No separate insurance-specific expedited-processing promise was verified.
- Fee waiver available
- Yes
- Expedited processing available
- No
- Military experience / education credit
- Conditional
- Temporary / provisional authority
- Florida offers a separate T2-14 temporary Life class and a separate 0-93 foreign/military class. Neither is part of this ordinary resident-individual pathway.
Source governance
- Primary authoritative source
- https://myfloridacfo.com/docs-sf/insurance-agents-and-agency-services-libraries/agents-docs/licensure/agents-adjusters/2-14-resident-life-agent-license.pdf?sfvrsn=9a2d6f9e_4
- Secondary official sources
- Florida DFS qualification inventory, fingerprinting instructions, licensing FAQ, continuing-education page, transfer guidance, and appointment guidance; Pearson VUE Florida candidate handbook and examination content outlines effective 2026-01-01
- Statute / regulation reference
- Florida Statutes chapter 626, including sections 626.112, 626.171, 626.221, 626.2815, 626.292, 626.381, and 626.7851; applicable Florida Administrative Code chapters 69B-227 and 69B-228
- Source reference URL
- https://www.myfloridacfo.com/division/agents/licensing/agents-and-adjusters/qualifications
- Last verified date
- 2026-08-19
- Verification status
- Verified
- Review / recheck date
- 2026-11-19
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