FL · 2-15
Life, Health & Variable Annuity
Florida Department of Financial Services
Authorizes the sale of life insurance, health insurance, IUL, annuities, and variable products. Required for IUL and retirement product recommendations.
LifeHealthIULAnnuityMedicare
FL · 2-20
General Lines (Property & Casualty)
Florida Department of Financial Services
Authorizes the sale of auto, home, commercial, workers' comp, and all property/casualty lines. The full P&C license required for business insurance and personal lines.
AutoHomeCommercialWorkers' CompUmbrella
Where We Can Write Coverage
Florida is our home state. We also hold reciprocal non-resident appointments with most major carriers across 40+ states. Coverage availability varies by carrier and product.
FL
AL
AR
AZ
CA
CO
CT
DE
GA
IA
ID
IL
IN
KS
KY
LA
MD
MI
MN
MO
MS
NC
NE
NH
NJ
NM
NV
NY
OH
OK
OR
PA
SC
TN
TX
UT
VA
VT
WA
WI
WV
WY
Not licensed in: AK, HI, MA, MT, ND, RI, SD as of last update. Confirm with your agent before quoting.
Carrier Appointments
We are independently appointed with 250+ A-rated carriers across life, health, P&C, and Medicare. Some of our most-used appointments:
- Life & Annuity: Mutual of Omaha, AIG, Prudential, Transamerica, Lincoln Financial, John Hancock, Ameritas, Foresters, Americo, Allianz, Ethos
- Health & Medicare: Florida Blue, Aetna, Cigna, UnitedHealthcare, Humana, Anthem, Bright HealthCare
- P&C: Progressive, Travelers, Liberty Mutual, Nationwide, Foremost, Citizens (FL), Olympus, Universal P&C, Heritage, Tower Hill
Continuing Education & Compliance
- Continuing education: 24 CE hours every 2 years (FL DFS requirement), including ethics
- AHIP certification renewed annually for Medicare sales
- Anti-money-laundering (AML) training renewed every 24 months
- E&O (Errors & Omissions) insurance: $1M / $2M aggregate
- Surety bond: posted with FL DFS as required
Verify Our License
You can verify any Florida insurance license in seconds at the official state portal:
myfloridacfo.com → License Search
Search by license number or agent name. Public record will show: license status, lines of authority, appointment status, and any disciplinary actions.
File a Complaint or Ask a Compliance Question
Complaints about an insurance agent or company in Florida can be filed with the Department of Financial Services Division of Consumer Services:
We also welcome direct compliance questions at flofaction.insurance@gmail.com — we'll get back to you within one business day.