Reciprocity List for Resident Life, Variable Annuity and Health Licensure for Applicants Requesting EXEMPTION of Educational Prelicensing Course Requirement
The 1992 Florida legislature enacted legislation which permits an applicant for licensure as a Florida resident life and variable annuity and/or health agent to exempt Florida's 40-hour prelicensing educational requirement if, within the four (4) year period prior to filing their application for a Florida resident license, the applicant held a resident license in life and variable annuity and/or health insurance in another state. Please refer to Sections 626.7851(3) and 626.8311(3), Florida Statutes.
In order to qualify for this exemption, the applicant's former state of residence must be willing to grant reciprocal treatment to licensees formerly licensed in Florida. This statute applies only to life and variable annuity and/or health insurance agents. It does not apply to applicants requesting licensure for property and casualty insurance.
States with Full Reciprocity
Applicants who were licensed within in the last four years from the following home states are exempt from the prelicensing course requirement, but must take the Florida licensing examination.
| Alaska | Arizona | California | Colorado | Connecticut |
| Delaware | Idaho | Illinois | Indiana | Iowa |
| Kansas | Maine | Michigan | Minnesota | Mississippi |
| Missouri | Nebraska | New Jersey | North Carolina | Ohio |
| Oklahoma | Pennsylvania | South Dakota | Utah | Wyoming |
States with No Reciprocity
The following states cannot waive the prelicensing course requirement. Applicants applying for resident licensure must comply with Florida's prelicensing course and examination requirements.
| Arkansas | District of Columbia (DC) | Georgia | Hawaii |
| Kentucky | Louisiana | New Mexico | New York |
| South Carolina | Tennessee | West Virginia | Wisconsin |
States with Conditional Reciprocity
Applicants who were licensed within in the last four years from the following home states, must meet the requirements for their home state outlined below in order to be exempt from the prelicensing course requirement, but must take the Florida Licensing examination.
Alabama, Montana, North Dakota
The application for a resident life, health and variable annuity license in Florida must be received within 12 months of the date they were last licensed in their former state of residence.
Rhode Island, Texas, Vermont
The application for a resident life, health and variable annuity license in Florida must be received within 24 months of the date they were last licensed in their former state of residence.
Virginia
The application for a resident life, health and variable annuity license in Florida must be received within 12 months of the date they were last licensed in their former state of residence. The Virginia license must have been held for 1 year. Documentation of 1 year of licensure in Virginia must accompany the Florida application.
Washington
The applicant must have continuously held a resident license for at least 2 years in Washington, with at least 1 year during the past 4 years.
Maryland, Massachusetts
The application for a resident life, health and variable annuity license in Florida must be received within 3 years of the date they were last licensed in their former state of residence.
Nevada
The applicant must have been licensed as an agent for the type and class applied for in 10 of the last 15 years or has been employed by an insurer for at least 10 years.
New Hampshire
The applicant must have been licensed for the type and class applied for in 3 out of the last 5 years preceding the application for resident licensure.
Oregon
