Florida insurance courses, 100% online

No. Florida title agent candidates must take the Florida Title Insurance exam at a physical Pearson VUE test center, because online proctoring (OnVUE) is no longer available for new reservations. The license also requires either a 40-hour department-approved title insurance course or at least 1 year of responsible title insurance duties within the last 4 years, plus fingerprinting through the state's vendor IdentoGO.

You can apply for a Florida adjuster license online through the state's MyProfile system, but the state exam must be taken in person. Florida insurance candidates may only reserve exam appointments at a physical Pearson VUE test center, and online proctoring is no longer available for new reservations. Fingerprinting is completed through the state's vendor, and the license requires an appointment to be valid.

Not entirely. You can complete prelicensing coursework online and submit your application through the DFS MyProfile system, but the licensing exam must be taken at a physical Pearson VUE test center; Florida no longer offers online proctored exams for new reservations. Fingerprinting must also be done in person at an IdentoGO location or by mailing fingerprint cards.

Prelicensing courses themselves are not free; you must complete one from a state-approved provider unless you qualify for an exemption. Free study materials do exist: Pearson VUE publishes a free candidate handbook and examination content outlines for every Florida insurance exam. Members and veterans of the U.S. Armed Forces and their spouses are exempt from the prelicensing course requirement with documentation.

Insurance sales agents earned a median of $62,280 per year as of May 2025, according to the U.S. Bureau of Labor Statistics. The lowest 10% earned less than $37,330 and the highest 10% earned more than $138,140. Earnings vary widely by line of insurance, commission structure, and whether the agent works independently.

Yes. Florida requires fingerprinting and a background check as part of the licensing process. Fingerprinting Information as well as Instructions are on the FL CFO Website.

Yes. Variable annuities are securities as well as insurance products, so selling them typically requires securities registration in addition to a Florida life agent license. Florida's 2-15 and 2-14 life licenses include variable annuity authority, and a nonresident may not transact variable annuities in Florida without holding that authority in the home state. Agents who sell variable contracts generally add a securities registration, such as the Series 6 or Series 7 exam.

Only partially. Members and veterans of the U.S. Armed Forces and their spouses are exempt from both the $50 application filing fee and the prelicensing course requirement, with documentation. For everyone else, the costs are fixed by the state: a $50 application fee plus a $5 license ID fee, the $44 exam fee, and $52.50 in fingerprinting plus local sales tax. Course prices are the main variable, since providers set them.

You can complete the required prelicensing coursework online from home through state-approved providers. However, you must take the state exam in person at a Pearson VUE test center, because online proctoring is no longer available for new Florida insurance exam reservations. You must also appear in person for fingerprinting through IdentoGO by Idemia.

Apply online through the department's MyProfile system or the National Insurance Producer Registry after confirming you hold the same line of authority in your home state, since a Florida nonresident license is valid only for lines you hold at home. The fee is $50 plus a $5 license ID fee ($10 for title agents), and you must be fingerprinted through IdentoGO by Idemia. Most nonresidents skip the Florida exam, but nonresident title agents must pass the Florida title examination.