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Division Director

Greg Thomas

Insurance Agent and Agency Services
200 East Gaines Street
Tallahassee, FL 32399-0318
Bureau of Licensing
(850) 413-3137
Bureau of Investigation
(850) 413-3136

Resident Variable Contracts Agent License


  • 2-19 Variable Contracts Agent License

Florida Statutes 626.015(10) states that a life agent is 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.

Florida Statutes 624.602 states that life insurance is insurance of human lives. Life insurance is a loss against loss due to the death of a particular person upon whose death the insurance company agrees to pay a stated sum or income to the beneficiary. The transaction of life insurance includes also the granting of 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.

Application Qualifications:

  • Complete an online application for License and submit appropriate fees. Apply for license
  • Be a natural person at least 18 years of age.
  • Be a bona fide resident of the state of Florida.
  • Be a United States citizen or legal alien who possesses a work authorization from the United States Immigration and Naturalization Services.
  • Not be an employee of the United States Department of Veterans Affairs or state service office, as referred to in Section 626.833, Florida Statutes.
  • You must be fingerprinted. [Click here and follow the instructions]
  • If licensed in another state within three years, provide a Letter of Clearance.

State Examination Qualification

  • The prerequisite for this license is to currently hold the Life Agent or Life and Health Agent license. No individual is allowed to take the examination unless so currently licensed.

Exemptions for State Examination

  • A letter of clearance indicating the licensee held a life including variable annuity license for at least one (1) year in his/her home state and applying for a license within 90 days of becoming a resident of the State of Florida; or
  • An original letter from the American College of Life Underwriters certifying the licensee was awarded the Chartered Life Underwriters (CLU) designation and has been engaged in business the last 4 years.

Special Notes

  • Not be a funeral director or direct disposer, or an employee or representative thereof, or have an office in or in connection with a funeral establishment. A funeral establishment may contract with a life insurance agent to sell a pre-need contract as defined in Chapter 497. Individuals who are funeral directors, direct disposers or employees of a funeral establishment which holds a certificate of authority pursuant to Florida Statutes 497.405 may be licensed as life insurance agents to sell only policies of life insurance covering the expense of a prearrangement for funeral services or merchandise so as to provide funds at the time the services and merchandise are needed. The face amount of insurance covered by any such policy shall not exceed $7, 500.
  • Applicant cannot be licensed for Credit Life and Disability, Motor Vehicle Physical Damage and Mechanical Breakdown or Credit Insurance simultaneously.