2-15 or 2-40?
Whether the life half is worth having. Health-only is the cheaper, shorter license, and it is the right one if the plan is employee benefits or Medicare work rather than life and annuities.
The gap is 20 hours of pre-licensing course, with the 2-15 the longer of the two.
| 2-15 Health & Life (Including Annuities & Variable Contracts) Agent | 2-40 Health Agent | |
|---|---|---|
| Shortest course route | 60 hours | 40 hours |
| Ways to qualify | 5 | 6 |
| Routes exempt from the state exam | 2 of 5 | 3 of 6 |
| Approved products we hold Counted from the state's own approved-course register, not from a provider's claim. | 7 | 5 |
| Continuing education | 24 hours | 24 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.
What 2-40 lets you sell
Lets you sell health insurance in Florida, and nothing else. It is the health half of the 2-15.
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.