Do you have a question about being an insurance agent in Florida?
Below are sorted lists of our most common frequently asked questions (FAQs). Click a topic to review its FAQs and answer(s). If you have any questions, comments, or suggestions for additional FAQ topics, please email us at AgentLicensing@MyFloridaCFO.com.
Please click a topic:
Use our online tutorial to help you be sure you select the correct license.
2. What is the definition of transacting insurance
Pursuant to section 624.10, Florida Statutes, transacting with respect to insurance includes any of the following:
3. What are the fees for obtaining a license or appointment?
It depends on the type of license. Click here for the Fees list.
4. What payment methods are there?
Credit Cards: We currently accept credit cards from:
Note: When entering the credit card information, the addresses must match the cardholder’s billing address. An additional convenience fee is charged by the credit card companies. Convenience fees are $2.45 for applications for licensure and education course providers, and 3% of the transaction for appointments.
eCheck: eCheck payments are only available for appointments. For more information about eCheck transactions, please click here.
5. I'm a member or veteran of the US Armed Forces or their spouse. Am I exempted from the license application filing fee?
Yes. Members of the United States Armed Forces, their spouses, and individuals who have been honorably discharged within 24 months of completing an application for licensure are exempted from the application filing fee for licenses
You will need to provide one of the following supporting documents; a copy of a military identification card, military dependent identification card, military service record, military personnel file, veteran record, discharge paper, or separation document that indicates such member is currently in good standing or such veteran is honorably discharged. This documentation can be emailed to AgentLicensing@MyFloridaCFO.com. Please include your application ID number in the subject line.
6. Can I apply for a license if I have any prior criminal history?
The department looks at all background information on a case-by-case basis. Please click here for more specific guidance.
7. How do I check the status of my application?
The status of applications and licenses can be checked by logging in to MyProfile.
8. I am a member or veteran of the US Armed Forces or their spouse. Am I exempted from the pre-licensing course requirement for an insurance agent license?
Yes. Members of the United States Armed Forces, their spouses, and individuals currently in good standing or have been honorably discharged (no timeframe) are exempt from the licensing pre-qualification requirements.
You will need to provide one of the following supporting documents; a copy of a military identification card, military dependent identification card, military service record, military personnel file, veteran record, discharge paper, or separation document that indicates such member is currently in good standing or such veteran is honorably discharged. This documentation can be emailed to AgentLicensing@MyFloridaCFO.com. Please include your application ID number in the subject line.
9. I've submitted fingerprints to the department for another license. Do I need to do it again?
If you currently hold a valid Florida insurance license in good standing, fingerprint results are valid for 48 months from when they were originally processed. If you do not currently hold a valid Florida insurance license in good standing, and are applying for an insurance agent/adjuster license, then the fingerprint results are valid for 12 months.
10. I've submitted fingerprints to another department (outside the Division of Agent & Agency Services). Are those fingerprints acceptable?
No. We cannot accept fingerprints outside of the Division of Agent and Agency Services.
11. I've been approved for an examination but now I have a designation. What do I need to do?
You will need to email the designation to the department at AgentLicensing@MyFloridaCFO.com. Please include your application ID number in the subject line.
If your authorization for examination has not expired, you will need to call the department to get the application corrected for approval. If the authorization for examination has expired, you will need to reapply for the license.
12. How do I renew my license?
Insurance agent and adjuster licenses are perpetual (no renewal required), provided that the licensee is properly appointed. The license will expire if it goes 48 months without an appointment. Failure to complete continuing education requirements may result in cancellation of an appointment that could lead to expiration of the license.
13. What is an appointment?
The authority given by an insurer or employer to a licensee to transact insurance or adjust claims on behalf of an insurer or employer. Please see the eAppoint and Appointments section on this page for more detailed information.
14. Do all licenses need appointments?
Section 626.112, Florida Statutes, states that no person may be, act as, or advertise or hold himself or herself out to be an insurance agent, insurance adjuster, or customer representative unless he or she is currently licensed by the department and appointed by an appropriate appointing entity or person.
15. How do I change or update my address?
You must update and/or verify your addresses and other information through your MyProfile account. If you have another license, such as an agency license, you will need to verify and update the addresses on file for that license via its separate MyProfile account.
*NOTE: Most licensees have 30 days from the change in your information, to notify the Department or be subject to administrative action (s. 626.551, F.S.); however, bail bond agents have 10 working days to do so (s. 648.421, F.S.).
16. I need to update my name, date of birth, or social security number. How do I update that on my license or with the Department?
You must email the request to change your name, date of birth, or social security number and include LEGIBLE supporting documentation along with your request. Email your request and supporting documentation to: AgentLicensing@MyFloridaCFO.com.
Acceptable forms of supporting documentation:
For an individual name change provide a photo copy of only one of the following documents:
Marriage certificate (if name was change due to marriage) or,
Photo ID or,
Court document (if name was changed through the courts)
For a date of birth change provide a photo copy of only one of the following documents:
Birth certificate or,
Photo ID reflecting correct date of birth
For a business name change provide a photo copy of only one of the following documents:
Articles of incorporation or amendment reflecting the new name or,
Fictitious name filing if adding a DBA or,
Internal Revenue Service document reflecting name and FEIN or EIN number
For Social Security number (SSN) changes provide a photo copy of only one of the following documents:
Social Security card or,
Official letter from the Social Security Administration reflecting Social Security number (SSN)
Please allow 7 - 10 business days after receipt for processing. After your name has been updated, you may download a copy of your license by logging in to your MyProfile account. Bail bond agents must apply for a duplicate license in their MyProfile account and pay a $5 fee.
17. What is an unaffiliated insurance agent?
An "unaffiliated insurance agent" means a licensed insurance agent, except a limited lines agent, who is self-appointed and who practices as an independent consultant in the business of analyzing or abstracting insurance policies, providing insurance advice or counseling, or making specific recommendations or comparisons of insurance products for a fee established in advance by written contract signed by the parties. An unaffiliated insurance agent may not be affiliated with an insurer, insurer-appointed insurance agent, or insurance agency contracted with or employing insurer-appointed insurance agents. [See subsection 626.015(20), F.S.]
An agent who appoints his or her license as an unaffiliated insurance agent may not hold an appointment from an insurer for any license he or she holds; transact, solicit, or service an insurance contract on behalf of an insurer; interfere with commissions received or to be received by an insurer-appointed insurance agent or an insurance agency contracted with or employing insurer-appointed insurance agents; or receive compensation or any other thing of value from an insurer, an insurer-appointed insurance agent, or an insurance agency contracted with or employing insurer-appointed insurance agents for any transaction or referral occurring after the date of appointment as an unaffiliated insurance agent. An unaffiliated insurance agent may continue to receive commissions on sales that occurred before the date of appointment as an unaffiliated insurance agent if the receipt of such commissions is disclosed when making recommendations or evaluating products for a client that involve products of the entity from which the commissions are received. [See subsection 626.311(6), F.S.]
18. How does a licensed agent become an unaffiliated insurance agent?
To become an unaffiliated insurance agent, an agent must self-appoint as an unaffiliated agent for the corresponding license type(s). For instructions on how to self-appoint, please refer to question #9 of the EAppoint and Appointments FAQ.
Licenses that may obtain an unaffiliated appointment:
For more information regarding Continuing Education, please visit our website at Education Information.
Passing the state examination does NOT guarantee licensure. You must also submit an application for licensure and meet all the requirements, including the background requirements and the pre-licensing requirements. You cannot take an examination for a license type more than five (5) times in a rolling 12-month period.
For the specific Florida Statutes regarding Navigators, go to Part XIII of Chapter 626.
To find the specific Rule go to the Florida Administrative code site and search by rule number: https://www.flrules.org/. As most of the rules listed below are given in sentence form, be careful not to search for a rule with a period after it. Once you find the Rule, click on the Microsoft Word icon to open it on your computer.
All Title Agencies must pay a Title Administrative Surcharge the beginning of every year. Click here for more information.
According to the Consumer Financial Protection Bureau (CFPB), the closing services fee would be shown on the Closing Disclosure form under Total Closing Costs (J), and they could also be shown as part of the Due From Borrower at Closing section (K). We recommend consulting the instructions provided by the CFPB for completing their forms.
Read the division's online newsletter, Insurance Insights, which includes valuable information for agents, adjusters and agencies about what's happening in Florida's market and trends we're seeing. If you're a licensee with a valid email address on file, you will be emailed when new issues have been published. However, you can always read the latest issue, as well as past issues, on our website. Click below to read!