The 440 insurance license issued by Florida allows an individual to work within an insurance agency as a customer representative. Also known as a 4-40 license, Florida law allows the licensee to handle insurance applications, give quotes, explain policies and procedures to customers, and otherwise assist agents in selling and servicing property and casualty insurance policies.
Many prefer to get licensed over the internet for convenience. Here's how to get a 440 insurance license in Florida online, specifically by earning the Certified Insurance Representative (CIR) designation that exempts one from taking the state exam.
Taking a Florida 440 License Course Online: The CIR Designation
Locate an online course for the CIR designation. The State of Florida approved this option, offered by All-Lines Training through the National Association of Christian Catastrophe Insurance Adjusters (NACCIA), as an alternative to the state exam.
Register for the online 440 licensing course, paying the required course fee at the time of registration. Use your legal name and current address during registration, as this information must match your license.
Sign in to your online course using the login information you received after registering. Personalize your profile and change your password as required by the course program. Be sure all of your personal information is accurate.
Read the course instructions and overview, making sure that you understand how the online class works and what it will take to pass. For most, you'll need to receive at least 70 percent on each quiz to pass the course, and quizzes may be retaken as needed before going on to the next section.
Study each section of the first topic, "The Customer Service Representative," in the order it is presented and take the quiz at the end. All online courses for this license have set topics, as required by the state of Florida, relating to the duties of the licensee/customer service representative and the specifics of insurance types, policy information and laws relating to the license.
Continue to read each topic from "Insurance Terms and Concepts" to the 13 topics covering all the various types of insurance policies to the final two topics on Ethics and Law and take their corresponding quizzes. Retake any quiz for which you get a score of less than 70 percent or on which you would like to do better.
Review and print the course completion certificate and NACCIA letter in the Course Certificate section at the end of your course. You'll need this information when applying for your 440 license online.
Receiving Your 440 License from Florida
Create a personal profile on the Florida Department of Financial Services (FLDFS) Division of Agent and Agency Services Application Licensing System website. If you already have a profile set up, simply login.
Fill out the required personal information and mail or fax a copy of your original letter from NACCIA to the agency as instructed. This letter, which you received at the successful completion of your CIR designation course, allows you to be exempt from the state exam.
Choose a payment method for your license. This fee is due to the Division of Agent and Agency Services and is a separate charge from the cost of your 440 license course.
Expect to receive notice that your license is available through your My Profile page on the agency services website within a week or two after submitting your application.
Examine your license to make sure all information is correct and then print and laminate a copy. Keep your license at your place of work in case you need to show that you hold a Florida 440 license as a customer representative for your insurance agency.
Online courses for the 440 license typically have sample quizzes at the beginning so that you can know ahead of time what to expect. Review course material as needed to improve quiz scores.