The Florida 20-44 license , or 2044
Personal Lines Agent
Property and casualty insurance sold to individuals and families rather than to businesses. It covers most of what a personal auto and homeowners agent sells, at 60 course hours against the 2-20's 200.
Course
60 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 60-hour course
State exam required
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60 hours of insurance course covering property, casualty, and inland marine insurance, approved by the Department
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 Qualify on six months in a related licensed role
State exam required
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6 months Responsible insurance duties as a licensed and appointed Customer Representative (4-40), Limited Customer Representative (4-42) or Service Representative (0-55), in property and casualty insurance sold to individuals and families for noncommercial purposes , completed within 4 years
Read at myfloridacfo.com on 2026-08-13
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Route 3 Qualify on six months as a full-time employee
State exam required
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6 months Responsible insurance duties as a substantially full-time employee in property and casualty insurance sold to individuals and families for noncommercial purposes.
Read at myfloridacfo.com on 2026-08-13
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Route 4 Qualify with a degree
Exempt from the state exam
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9 credits of insurance instruction covering property, casualty, inland marine insurance. An official transcript is required
Exempt from the state examination.
Read at myfloridacfo.com on 2026-08-13
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Route 5 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 6 Hold the CPCU designation
Exempt from the state exam
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CPCU Chartered Property Casualty Underwriter, from The American Institute for Chartered Property Casualty Underwriters
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. 6 of the 7 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 60-hour course.
$349.00
See 1 option Hide ▾Course 114150, approved 01/01/2026 to 12/31/2026; registered as "FLORIDA PERSONAL LINES 60-HOUR ONLINE COURSE"
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Career Launcher Package (FL - Personal Lines)
60 hours
$349.00
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ExamFX
Meets the requirement: take the 60-hour course.
$219.95 to $299.95
See 2 options Hide ▾Course 101771, approved 10/03/2026 to 10/02/2027
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Florida Personal Lines - Video Study Package
60 hours
$219.95
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Florida Personal Lines - Live Online Study Package
60 hours
$299.95
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A.D. Banker & Company
Meets the requirement: take the 60-hour course.
$169.95 to $296.85
See 3 options Hide ▾Course 93511, approved 01/01/2026 to 12/31/2026; registered as "PERSONAL LINES ONLINE COURSE"
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Online Course, SILVER
60 hours · Online course · Unlimited chapter exams · Simulated licensing exams · Guarantee to Pass
$169.95
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Online Course, GOLD
60 hours · Online course · Flash cards
$196.90
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Online Course, PLATINUM
60 hours · Online course · Flash cards · Web class subscription
$296.85
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WebCE
Meets the requirement: take the 60-hour course.
$109.95 to $159.95
See 2 options Hide ▾Course 111620, approved 04/17/2026 to 04/16/2027
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FL Personal Lines Exam Prep Complete Package
60 hours
$109.95
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FL Personal Lines Exam Prep Plus Complete Package
60 hours
$159.95
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XCEL Solutions
Meets the requirement: take the 60-hour course.
$199.00 to $299.00
See 2 options Hide ▾Course 125605, approved 01/01/2026 to 12/31/2026
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Florida Personal Lines Pre-licensing
60 hours
$199.00
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Florida Personal Lines Pre-licensing Premier
60 hours
$299.00
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Aceable
Meets the requirement: take the 60-hour course.
$249.00
See 1 option Hide ▾Course 136810, approved 01/21/2026 to 01/20/2027; registered as "FLORIDA PERSONAL LINES INSURANCE"
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Personal Lines (60-hour bundle)
60 hours
$249.00
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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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