The Florida 2-14 license , or 214
Life (Including Annuities & Variable Contracts) Agent
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.
Course
30 hrs
The shortest single course route.
Ways in
6
3 of them skip the state exam.
Exam
$44
Required on some routes and not others.
Every way to qualify
More than one route leads to this license, and which one you take changes what you study and whether you sit the exam. They are listed in full because the course is only the first of them.
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Route 1 Take the 30-hour course
State exam required
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30 hours of life, variable contracts prelicensing course, approved by the Department , completed within 4 years
Study manuals are required for all attendees of a pre-licensing course under F.A.C. rule 69B-227.260.
Read at myfloridacfo.com on 2026-08-13
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Route 2 Hold a life designation
State exam required
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ChFC Chartered Financial Consultant, from The American College of Financial Services , completed within 4 years
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FLMI Fellow, Life Management Institute, from Life Management Institute , completed within 4 years
Read at myfloridacfo.com on 2026-08-13
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Route 3 Qualify with a degree
Exempt from the state exam
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9 credits of insurance instruction covering life, annuities, variable insurance products. An official transcript is required
Exempt from the state examination.
Read at myfloridacfo.com on 2026-08-13
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Route 4 Transfer an equivalent license within 90 days of moving here
Exempt from the state exam
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90 days Became a Florida resident, held a valid resident license with the equivalent line of authority for at least one continuous year beforehand, and applied within 90 days of becoming a resident.
Exempt from the state examination.
Read at myfloridacfo.com on 2026-08-13
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Route 5 Come from a reciprocal state more than 90 days after moving here
State exam required
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1 year Held a valid resident license with the equivalent line of authority in a reciprocal state within the four years before applying. Waives the course, not the exam.
Exempt from the pre-licensing course, but the Florida examination is still required.
Read at myfloridacfo.com on 2026-08-13
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Route 6 Hold the CLU designation
Exempt from the state exam
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CLU Chartered Life Underwriter, from The American College of Financial Services
Requires an original letter from the awarding body. Exempt from the state examination.
Read at myfloridacfo.com on 2026-08-13
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Courses
This is the part you buy. 5 of the 6 products sold for this license satisfy the requirement above, and the rest are practice material. Each seller opens to what it holds and what each package costs.
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Kaplan Financial Education
Meets the requirement: take the 30-hour course.
$349.00
See 1 option Hide ▾Course 108959, approved 01/01/2026 to 12/31/2026; registered as "FLORIDA LIFE AND VARIABLE CONTRACTS 40-HOUR ONLINE COURSE, 2ND EDITION, AND CERTIFICATION EXAM (L) (FL)"
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Career Launcher Package (FL - Life & Variable Contracts)
40 hours
$349.00
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ExamFX
Meets the requirement: take the 30-hour course.
$219.95 to $299.95
See 2 options Hide ▾Course 127098, approved 11/08/2026 to 11/07/2027
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Florida Life - Video Study Package
30 hours
$219.95
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Florida Life - Live Online Study Package
30 hours
$299.95
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A.D. Banker & Company
Meets the requirement: take the 30-hour course.
$169.95 to $296.85
See 3 options Hide ▾Course 135638, approved 01/01/2026 to 12/31/2026; registered as "LIFE & VARIABLE ANNUITY ONLINE COURSE"
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Online Course, SILVER
30 hours · Online course · Unlimited chapter exams · Simulated licensing exams · Guarantee to Pass
$169.95
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Online Course, GOLD
30 hours · Online course · Flash cards
$196.90
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Online Course, PLATINUM
30 hours · Online course · Flash cards · Web class subscription
$296.85
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WebCE
Meets the requirement: take the 30-hour course.
$109.95 to $159.95
See 2 options Hide ▾Course 126595, approved 09/04/2026 to 09/03/2027
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FL Life and Annuity Agent (2-14) Exam Prep Complete Package
30 hours
$109.95
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FL Life and Annuity Agent (2-14) Exam Prep Plus Complete Package
30 hours
$159.95
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XCEL Solutions
Meets the requirement: take the 30-hour course.
$199.00
See 2 options Hide ▾Course 83389, approved 01/01/2026 to 12/31/2026; registered as "FLORIDA PRE-LICENSING EDUCATION - LIFE INSURANCE AND ANNUITIES 2-14"
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Florida Life Pre-licensing (English, Online Self-Paced)
40 hours · 40 hours
$199.00
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Florida | Vida | Curso Educativo - Life Pre-licensing (Spanish, Online Self-Paced)
40 hours · 40 hours
$199.00
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Mometrix
Exam practice. It does not satisfy the course requirement.
Not confirmed
See 1 option Hide ▾-
Name not confirmed
Price not confirmed
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