2-14 or 2-15?
Whether to sell life insurance alone or life and health together. Almost everyone who asks it is weighing the extra study against a wider book of business.
The gap is 30 hours of pre-licensing course, with the 2-15 the longer of the two.
| 2-14 Life (Including Annuities & Variable Contracts) Agent | 2-15 Health & Life (Including Annuities & Variable Contracts) Agent | |
|---|---|---|
| Shortest course route | 30 hours | 60 hours |
| Ways to qualify | 6 | 5 |
| Routes exempt from the state exam | 3 of 6 | 2 of 5 |
| Approved products we hold Counted from the state's own approved-course register, not from a provider's claim. | 5 | 7 |
| Continuing education | 24 hours | 24 hours |
What 2-14 lets you sell
Lets you sell life insurance, annuities and variable contracts in Florida. It is the life half of the 2-15 without the health half, and it takes half the course hours.
What 2-15 lets you sell
Lets you sell health insurance, life insurance, annuities and variable contracts in Florida. It is the broadest of the state's life and health licenses, and the one most people mean when they say they want to sell life and health insurance.
Every figure in the table is read from each license's own page at build time, so this comparison cannot disagree with them. Both were read at the Florida Department of Financial Services, Division of Insurance Agent and Agency Services on 2026-08-13.