Reciprocating States
Life including Variable Annuity and/or Health Applicants for Resident Licensure
Licensure as a life/health insurance agent in another state that reciprocates with Florida exempts an applicant from the educational requirement (40-hour life/health agent qualification course); it does NOT exempt an applicant from having to take and pass the applicable exam(s) unless the applicant holds the CLU designation.
All-Lines Adjuster for Non-resident Licensure and CE Reciprocity
Licensure as a resident or non-resident all-lines adjuster in another state (regardless of either independent or company) that reciprocates with Florida exempts an applicant from the Florida examination. Please view the list below to see if you hold an adjuster license in a state that will exempt you from the non-resident all-lines adjuster Florida examination. All-Lines adjuster continuing education reciprocity is also listed here.
All-Lines Public Adjuster CE Reciprocity
Title Agent and Agency Licensure
Surplus Lines Applicants for Nonresident Licensure
Florida law requires that in order for a nonresident surplus lines agent to obtain a license in Florida, the applicant must hold a surplus lines license in his/her home state (where they live or have a principal place of business).
A person who took and passed a surplus lines license examination in his/her home state will NOT be required to take a Florida surplus lines license examination to obtain a Florida nonresident surplus lines agent license.
Foreign Insurance Agents, Agencies, and Adjusters
Puerto Rico
Florida has a reciprocal agreement with Puerto Rico for the following lines of insurance:
- 9-20 - Property and Casualty
- 91-20 - Surplus Lines
- 8-40 - Health
- 8-15 - Life, Health/Disability and Variable Annuity
- 8-14 - Life and Variable Annuity
- 21-05 - Insurance Agency
- 7-20 - All Lines Adjuster
Puerto Rico residents who would like to work as non-resident insurance agents/adjusters/agencies in Florida may apply for the above licenses.
For foreign officer fingerprinting information, please see our Fingerprint Information webpage.
Canada
Florida has a reciprocal agreement with the following Provinces of Canada:
- Alberta
- British Columbia
- Manitoba
- New Brunswick
- Newfoundland & Labrador
- Nova Scotia
- Nunavut
- Northwest Territories
- Ontario
- Prince Edward Island
- Saskatchewan
- Yukon
Note: We do not currently have a reciprocal agreement with Quebec.
For the following lines of insurance:
- 8-40 - Health
- 8-15 - Life, Health/Disability and Variable Annuity
- 8-14 - Life and Variable Annuity
- 7-20 - All Lines Adjuster - For purposes of adjusting portable electronics insurance claims, s. 626.8685(2), Florida Statutes.
Canadian residents who would like to work as non-resident insurance agents/adjusters/agencies in Florida may apply for the above licenses.
For foreign officer fingerprinting information, please see our Fingerprint Information webpage.
