Division of Agent and Agency Services
RESIDENT LIFE, HEALTH, AND VARIABLE ANNUITY LICENSE
TYPE AND CLASS:
2-15 Life, Health, and Variable Annuity
Common Use(s) of License:
An individual representing an insurer as to life insurance and annuity contracts,
including agents appointed to transact life insurance, fixed-dollar annuity contracts, or
variable contracts by the same insurer. Annuity contracts, including, but not limited to, fixed or variable annuity
contracts; the granting of endowment benefits, additional benefits in event of death or dismemberment by accident
or accidental means, additional benefits in event of the insured’s disability; and optional modes of settlement
of proceeds of life insurance. Representing a health maintenance organization or, as to health insurance only,
an insurer transacting health insurance; insurance against loss through sickness or accidental bodily injury.
Related Florida Statutes:
624.602, 624.603, 626.015 &
STEPS TO OBTAIN RESIDENT 2-15 LIFE, HEALTH, AND VARIABLE ANNUITY LICENSE:
Step 1 - You must be:
- A natural person at least 18 years of age.
- A resident of the state of Florida.
- A United States citizen or legal alien who possesses a
work authorization from the United States Immigration and
[Click here for more information]
Step 2 - Must have the following prerequisite(s) before
- Successfully completed a 40 hour approved insurance course
for life, health and variable annuity insurance. Must be completed within four years of application date.
[Click here to find a course]
[Requires State Examination]
- Successfully completed at least 3 semester hours of of life, health including variable annuity insurance course from an
accredited college or university [an official transcript required].
[Requires State Examination]
- Obtain and submit a Letter of Clearance indicating you held
the equivalent line of authority license for at least one (1)
year in your previous home state and apply for a Florida
life, health and variable annuity license within 90 days of requesting the
Letter of Clearance
[Transfer of License]. [Exempt from State Examination]
- Have an original letter from the American College of Life Underwriters certifying the licensee was
Chartered Life Underwriters (CLU) designation.
[Exempt from State Examination]
Step 3 - Apply:
Step 4 - Send prerequisite(s) to department:
- Send proof of prerequisite, as indicated in Step 2,
to the Bureau.
Note: If you have taken a prelicensing course, your prelicensing
education provider will automatically send the Bureau proof within 20 days of your passing date. This does not include designations.
Department of Financial Services
Bureau of Licensing, Room 419
200 East Gaines Street
Tallahassee, FL 32399-0319
Step 5 - Fingerprints:
Step 6 - Status notification(s):
- Once an application has been submitted, you may check
for the status of your application. Deficiencies
will be listed under the pending license type.
Step 7 - Examination:
Disregard this step if you are not required to take an exam.
Upon approval, an e-mail will be sent to you directing you to check your messages in your
account. Messages are where you may print your
notifications from the department, such as an
authorization for an examination. Follow the message's instructions to schedule the examination.
[Click here for the Exam Information page]
Step 8 - Print license:
- Once all the above steps have been satisfied, the
department will send your approval by email. You may
then go to your MyProfile account
and print your license.
Note: If you are required to take an examination, you will not be able to print your license until the department has
received a passing result from the testing vendor.
- An employee of the United States Department of Veterans Affairs or state service office, as referred to in Section 626.833, Florida Statutes.
- A funeral director or direct disposer, or an employee or representative thereof, or have an office in or in connection with a funeral establishment.
This license can not be held with the following licenses:
- 0-93 LIFE (FOREIGN/MILITARY)
- 2-11 CREDIT LIFE OR DISABILITY
- 2-21 MOTOR VEHICLE AND MECHANICAL BREAKDOWN
- 2-29 CREDIT
- 2-43 CREDIT DISABILITY
- T2-10 DEBIT LIFE AND HEALTH