What’s the difference between life and health insurance licenses?
- Life insurance covers policies related to life and financial protection
- Health insurance covers medical and healthcare-related plans
Many agents choose to get both licenses to expand their opportunities.
Florida issues separate licenses by line. The 2-14 Life license (30-hour prelicensing course) covers life insurance and annuity contracts, including variable contracts, while the 2-40 Health license (40-hour course) covers health insurance, including representing a health maintenance organization. Florida also offers a combined 2-15 Life, Health and Variable Annuity license requiring a 60-hour course. Each license requires the state exam and an insurer appointment to be valid.
Sources: Florida DFS: 2-15 resident life, health and variable annuity agent qualifications; Florida DFS: professional designations accepted in lieu of pre-licensing.