Which Florida life and health insurance license do you need: 2-14, 2-40 or 2-15?
Florida's 2-14 life, 2-40 health and 2-15 health and life licenses compared: what each lets you sell, its course, exam, question count and fee, from DFS and Pearson VUE.
Or practice just the state law section: Florida law practice test →
The short answer
Florida splits life and health. The 2-14 license covers life insurance and annuities, the 2-40 covers health insurance and HMOs, and the 2-15 covers both, with one pre-licensing course and one exam.1,2,3,4
If you will sell both life and health, the 2-15 gets you there with one 60-hour course and one exam. Taking the 2-14 and 2-40 separately means a 30-hour and a 40-hour course and two exams, each with its own fee.2,3,4,8
The licenses side by side
| License | Pre-licensing course | Exam (Pearson VUE) | Questions and time | What it lets you sell |
|---|---|---|---|---|
| 2-14 Life (Including Annuities & Variable Contracts) | 30-hour life and variable contracts course | Florida Agent's Life (including Annuities & Variable Contracts), $44 | 85 scored, plus 10 unscored pretest questions; 2 hours | Life insurance and annuities, fixed or variable, including endowment benefits and accidental death, dismemberment and disability benefits added to a life policy. No health insurance.2,8,9 |
| 2-40 Health | 40-hour health insurance course | Florida Agent's Health Insurance, $44 | 85 scored, plus 10 unscored pretest questions; 2 hours | Health insurance against loss through sickness or accidental bodily injury, and representing an HMO. No life insurance or annuities.3,8,9 |
| 2-15 Health & Life (Including Annuities & Variable Contracts) Agent | 60-hour approved course, completed within 4 years of applying (some exemptions) | Florida Agent's Health & Life (including Annuities & Variable Contracts), given by Pearson VUE, $44 | 150 scored, plus 15 unscored pretest questions; 2 hours 45 minutes | Everything the 2-14 and 2-40 allow, under one license.4,8,9 |
| 2-24 Preneed Funeral Agreement Insurance | None | None | — | Only life policies that fund a prearranged funeral, cremation or cemetery agreement, with a face amount capped at $21,000 plus a yearly inflation increase. Only for funeral directors, direct disposers and funeral establishment employees who hold a preneed sales agent license.5 |
The 2-14, 2-40 and 2-15 work the same way after the exam. You must be at least 18 and a Florida resident, be fingerprinted, and apply through MyProfile. An insurer has to appoint you before the license is valid, and you need 24 hours of continuing education every two years, due by the end of your birth month.2,3,4
Each license costs a $50 application fee and a $5 license ID fee to DFS, with fingerprinting paid separately to the vendor. The exam fee is the same $44 for each exam.7,8
DFS also lists a temporary life license (T2-14). It is only for the executor or next of kin of a licensed life agent who has died, so it isn't a way into the business.6
What the choice depends on
- Life insurance and annuities only? The 2-14 needs the 30-hour course and an 85-question exam.2,9
- Health insurance or HMO plans only? The 2-40 needs the 40-hour health course and an 85-question exam.3,9
- Both? The 2-15 needs the 60-hour course (or the 30-hour and 40-hour courses together) and one exam with 150 scored, plus 15 unscored pretest questions.4,9
- Selling only preneed funeral insurance as a licensed funeral director, direct disposer or funeral establishment employee? The 2-24 has no exam.5
Some professional designations, a college degree with enough insurance credit hours, or a license from another state can replace the course and sometimes the exam. Each DFS license sheet lists exactly which. The rules say what each license allows, not which one is better for a career. If an insurer or agency is recruiting you, ask which license its appointment needs before you sign up for a course.2,3,4
What MilesToPass covers
MilesToPass prepares you for the 2-15 Health & Life (Including Annuities & Variable Contracts) Agent exam. Our lessons and questions follow its published content outline, section by section. We don't cover the separate 2-14 and 2-40 exams yet.4,9
The Florida license types, as the exam tests them
Frequently asked questions
What is the difference between the Florida 2-14 and 2-15 licenses?
The 2-14 covers life insurance and annuities only. The 2-15 adds health insurance and HMOs, so it covers both.2,4
Is it better to take the 2-15 or the 2-14 and 2-40 separately?
DFS doesn't rank them. The 2-15 is one 60-hour course and one exam (150 scored, plus 15 unscored pretest questions, 2 hours 45 minutes); the separate route is a 30-hour and a 40-hour course and two exams of 85 scored questions each, each costing $44.2,3,4,8,9
Can I sell annuities with a Florida 2-14 license?
Yes. The 2-14 covers annuity contracts, fixed or variable, and variable contracts, as well as life insurance.2
Do I need a separate license to sell Florida health insurance?
You need either the 2-40 Health license or the 2-15, which covers health and life together. The 2-14 doesn't cover health insurance.2,3,4
Does MilesToPass prepare me for the 2-14 or 2-40 exam?
Not yet. Our lessons and practice questions follow the content outline of the 2-15 exam only.9
Official sources
- Florida Department of Financial Services: Florida insurance license qualifications (license types)
- Florida Department of Financial Services: 2-14 Resident Life (Including Annuities & Variable Contracts) Agent License
- Florida Department of Financial Services: 2-40 Resident Health Agent License
- Florida Department of Financial Services: 2-15 Resident Health & Life (Including Annuities & Variable Contracts) Agent License
- Florida Department of Financial Services: 2-24 & 9-24 Preneed Funeral Agreement Insurance Agent License
- Florida Department of Financial Services: T2-14 Life (Temporary) Agent License
- Florida Department of Financial Services: Fees
- Pearson VUE: Florida Insurance Licensing Candidate Handbook, 2024 (#121000)
- Pearson VUE / Florida Chief Financial Officer: Florida Insurance Examination Content Outlines, effective January 1, 2026 (#121003)
Checked against these sources as of .