Florida licenses resident Health agents under license type 2-40, separate from its combined Health and Life 2-15 license. The ordinary resident pathway requires approved 40-hour Health prelicensing education, the Florida Health Agent examination, an electronic application, and fingerprints.
Eligibility
- Minimum age
- 18
- Residency requirement / status
- Bona fide Florida resident individual seeking the resident Health Agent 2-40 license.
- General eligibility explanation
- Be at least 18, reside in Florida, and be a U.S. citizen or legal alien with work authorization. Do not hold a resident insurance license in another state. Additional statutory employment restrictions apply.
Prelicensing education
- Prelicensing education required
- Conditional
- Required education hours
- 40 hours of approved Health insurance coursework, including 3 hours of ethics
- Education requirement explanation
- Complete the approved course within the four years before applying. A provider may grant completion only after at least 75 percent of required course hours. Designations, qualifying college coursework, military status, or recent equivalent licensing can change the requirement.
- Exemptions available
- Conditional
- Exemption explanation
- Applicant-specific examination or education relief may apply for CLU or specified health designations, qualifying insurance coursework, an equivalent resident-license transfer within 90 days, reciprocity, or documented servicemember, veteran, or military-spouse status.
Background
- Fingerprints required
- Yes
- Background check required
- Yes
- Fingerprint / background instructions
- Submit fingerprints through the Florida-approved vendor process and answer application background questions. Upload requested legal or regulatory documents through MyProfile.
Application
- Application required
- Yes
- Application fee
- $50 application fee plus $5 license identification fee, excluding fingerprint vendor charges
- Application channel / system
- Florida MyProfile electronic application
- Application instructions
- Complete education unless exempt, apply through MyProfile, pay fees, submit fingerprints, and pass the examination unless exempt. An appointment or qualifying unaffiliated appointment is required before acting as an agent.
- Official application reference
- https://dice.fldfs.com/public/pb_index.aspx
Renewal & maintenance
- Renewal cycle
- Licenses continue while compliant; continuing education is due every two years by the end of the birth month, and appointment status must be maintained
- Renewal fee
- No separate ordinary license-renewal fee was verified; appointment fees and late or reinstatement charges may apply
- CE required
- Yes
- CE hours
- 24 hours for the ordinary cycle: 4-hour Health Law and Ethics Update course 5-240 plus 20 elective hours
- CE cycle
- Biennial; due by the end of the birth month
- Ethics hours
- Included in the required 4-hour Health Law and Ethics Update course
- CE explanation
- Reduced totals may apply after long service under statutory conditions. Eligible excess elective credit may carry forward subject to Florida limits.
- CE exemptions / special rules
- Reciprocal nonresidents may satisfy home-state CE instead. Long-term-care producer training is separate from ordinary Florida CE and is enforced through insurers and the Office of Insurance Regulation.
Portability
- Nonresident licensing available
- Yes
- Reciprocity / nonresident overview
- Florida offers the nonresident Health Agent 8-40 license to qualified applicants holding equivalent home-state authority.
- Portability / mobility notes
- An applicant transferring an equivalent license to Florida within 90 days may qualify for examination and education relief. Later reciprocity may waive education while still requiring the Florida examination.
Military / veteran / spouse
- Veteran-specific provisions
- Qualifying active servicemembers and honorably discharged veterans are exempt from the prequalification education requirement upon submitting accepted military documentation. Other licensing steps still apply unless separately exempt.
- Military-spouse provisions
- A qualifying military spouse may receive the same prequalification education exemption after submitting accepted military-dependent documentation. The exemption does not itself grant the license.
- Fee waiver available
- No
- Expedited processing available
- No
- Military experience / education credit
- Yes
- Temporary / provisional authority
- No ordinary temporary 2-40 pathway was verified; temporary authorities are limited to separately defined statutory cases.
Source governance
- Primary authoritative source
- https://www.myfloridacfo.com/docs-sf/insurance-agents-and-agency-services-libraries/agents-docs/licensure/agents-adjusters/2-40-resident-health-agent-license.pdf
- Secondary official sources
- Florida DFS license qualifications, education requirements, FAQs, and Pearson VUE Florida Candidate Handbook
- Statute / regulation reference
- Florida Statutes §§ 626.112, 626.202, 626.221, 626.281, 626.2815, 626.292, 626.8311, and 626.8312
- 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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