How To Become A Licensed Insurance Professional In Florida
Regardless of the economy, Americans still need to purchase insurance products in
order to properly protect their families, property, and financial security. The insurance industry is primed for growth as aging insurance professionals prepare for retirement. The average age in the industry is 55 years old. Many insurance companies have already started to heavily recruit new agents into the industry in order to replace those experienced professionals who will soon retire. In order to become an insurance agent, candidates must meet the eligibility and licensing requirements that are state-mandated.There are a number of characteristics that make insurance professionals successful. These agents are driven, self-motivated professionals who have a passion for educating others and helping them make difficult decisions about their financial future. Becoming an insurance agent is a lot like running your own businessthe first few years can be challenging as you build your book of clients and establish your credibility in the industry. Becoming a trusted advisor comes easily to those who have excellent interpersonal and communication skills. At the most basic level, all insurance agents must obtain the proper license from their state that allows them to sell insurance products. It is critical that aspiring insurance agents who reside in Florida meet the qualifications established by the Florida Department of Financial Services.
Florida Insurance License Basic Eligibility Requirements
Florida insurance license applicants must:
Be a bona fide resident of Florida who is at least 18 years of age.
Not be an employee of the US Department of Veterans Affairs or state service office.
Prove that (s)he is not an employee, representative, director or direct disposer of any funeral establishment.
Complete pre-license education approved by the state of Florida that covers life, health and variable annuities, or qualify for an exemption.
Successfully pass the state-administered license exam, or qualify for an exemption.
Examination Process
License applicants do have choices in how they complete the pre-license education. The Florida Department of Financial Services requires a strict curriculum for this education. This curriculum is taught through online or traditional classroom training. Upon passing the school-administered exam, students receive a certificate from the school that confirms their successful completion of the course. In order for a class to qualify for the 40 hours of pre-license education, each school that offers the education must be an approved education provider by the Florida Department of Financial Services. Once the required education is complete, applicants must pass the state-administered exam that is specific to the insurance products the new agent will sell.
Some individuals may qualify for an exemption from completing the pre-license education, and sometimes even the state-administered license exam. Even if an individual qualifies for one of those exemptions, (s)he must still obtain a Florida insurance license in order to sell insurance products. For instance, applicants who have lived in the state of Florida for less than three months can show evidence that they have a life, health and variable annuity license in their previous state for at least one year. Similarly, those who have earned the Chartered Life Underwriter designation do not need to complete the 40 hours of pre-license education, or the state-administered license exam.
After completing the required pre-license education, prospective agents will need to be fingerprinted at one of the departments fingerprinting sites. Next, individuals may submit their formal application to the Florida Department of Financial Services along with the appropriate license fees. Applications are reviewed in detail to verify eligibility while fingerprints are run through databases to check an applicants criminal background. Once an applicant has received approval to schedule the state insurance exam, (s)he may contact the testing provider to make an appointment. Upon successfully passing the state-administered exam, the applicant will receive an email
Personalized Training for Aspiring Insurance Producers
Online training can be the right solution for the candidates who wish to learn within the comfort of their own home or cannot visit a training center. Direct access to the required curriculum, practice exams, and the state licensing handbook, etc. are some key features that help candidates prepare for their Florida insurance exam with an online school.
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