What is a 4-40 license, and how do I get one?

The 4-40 is Florida's customer representative license, one of the numbered classes in the state's property and casualty license family alongside the 2-20 general lines license. Florida law requires anyone acting as a customer representative to be licensed by the Department of Financial Services and appointed by an insurer or agency; the application filing fee is $50, and resident applicants must submit fingerprints. After one year of experience as a customer representative, you can qualify for the 2-20 general lines license by completing 40 hours of approved coursework.