Difference between 220 and 440 Insurance License | Comparison Guide

Only at the office and under the supervision of a 220 agent can you use the 4-40 licenses to interact with consumers face-to-face. Let’s learn about the difference between 220 and 440 insurance license.

The State recognizes two distinct classes of insurance agents:

  • Around 2-20 General Lines Agents are working in the industry.
  • Involved in Customer Care 4-40

Customers Service Representative (CSR) and General Lines Agent (GLA) are the most common resident licenses.

Difference between 220 and 440 Insurance License

Difference between 220 and 440 Insurance License
To obtain the license you must pass the final exam and complete 200 hours of study.You need to complete 100 hours of training. The certificate must be issued by a school with current certifications. In addition, you must pass the state exam to obtain it.
You need to have at least one year of insurance experience or 15 hours of coursework (semester) in property insurance subjects. This will waive the need to take the 200 hours of coursework for the final exam.Have at least 6 months of proven experience in the insurance business.
You can present your CPCU (Certified Property and Casualty Underwriter) to the authorities and avoid taking the exam.If you have 15 hours of property insurance courses completed (semester hours) you can avoid the 100-hour course.
This license allows you to do insurance-related activities. You can transact casualty, property, health, surety and marine insurance to name a few.The licensed agent can avoid taking the state exam if he/she has any of these credentials: CPCU, AAI or CIC.
You can make sales outside the P&C lines. These include auto, commercial and homeowners.The form of work is through the figure of the salaried employee.
You can do all types of operations on your own and without supervisors.You work for an agency or an agent with license 220.
Licensees 220 can earn through commissions.Agent 440 works under the supervision of a general lines agency. He/she cannot move from the office assigned to him/her.

Both licenses require that you be:

  • Must have reached the age of 18 to participate in this activity.
  • At least a Florida resident and either an American citizen or an illegal immigrant has a work permit from the U.S. Immigration and Naturalization Services.
  • In total, there are between two and twenty licenses. You can sell property, casualty, marine, health, and other insurance products through agents assigned by an insurance company. Licensed agents can set up independent insurance agencies with 4-40 Customer Service Representatives.

2-20 Licenses

In addition to property and liability insurance, this license entitles you to qualify for health insurance. FLDFS will immediately issue you with a 2-40 health license if you have a 220 license and an appointment with a health insurance carrier.

After being designated by the Insurance Company, an individual can transact any following insurance lines: property, casualty, surety, health, marine, and various lines.

  • Create an Independent Insurance Agency.
  • Recruit and train a team of four to forty customer service representatives to market and sell property and casualty and health insurance.

You can obtain a 220 license in a variety of ways

  • After completing a 200-hour license course at a recognized school, pass the state exam.
  • Pass the state exam or get the Certified Property-Casualty Underwriter (CPCU) designation. This one exempts you from the 200-hour course. 

4-40 Licenses

This license is intended for agents supervised by a 2-20 agent. This course is ideal for customer service employees who don’t sell policies but rather help agents in their work. “For this type of license, you can only insure your car.

  • Only one agent or agency can hire you at a time with a 4-40 license. No sales commissions are earned with this program geared toward insurance agency staff.
  • Pass the state exam after completing a 100-hour license course at a recognized school within the previous two years.
  • By taking a 40-hour qualification course and passing the state exam, those with the 4-40 licenses can upgrade to the 2-20 license.

Insurance licenses with a 2-20 and 4-40 rating are different.

License 220 is authorized to sell automobile, commercial, and home insurance policies. Even those on health insurance were in the news approximately a year ago. As a result, you can add everything related to Obama Care plans and dental insurance as a supplement plan. 

There are various types of insurance in license 220, which is the “general lines” license (almost everything except what has to do with life insurance). Even an insurance agency can be set up with a license 220 so that you can enter into contracts with each one. If you wish to sell auto and life insurance simultaneously, you’ll need two different licenses. That means you should get a 220 license and keep it handy.

People who have obtained the 440 licenses can work at commercial and personal auto insurance agencies. You will be able to provide information, provide quotes, and sell house car insurance to the public there if you have the approval of those in authority who holds a 220 license.

To sum it up:

The 220 license is the most important; as it allows you to execute sales contracts with each covered party. In contrast, the customs representative license only will enable you to witness sales transactions.

You don’t need the 40-hour course anymore if your license already has a 440. If you didn’t do that, you couldn’t get the certification. For the time being, certification for the 440 licenses is not required, but many schools or some schools offer it. To put it another way, they do it by name, and you’ll be able to view everything right away.

In this instance, the lecturers know that you already know everything and have the 440 licenses. As soon as you’ve studied the official Florida state manual, you’ll be able to take the state exam.

Get an Insurance License in FL: A Step-by-Step Guide

To obtain a Florida insurance license, you must follow a set of generally consistent procedures.

First, pre-licensing education

If your license requires education, you must attend an insurance school like ours. We will notify the State as soon as you finish our course. A list of license requirements is available from the Department of Financial Services (DFS) on their website at http://www.myfloridacfo.com/Division/Agents/

Complete the state licensing examination

You must pass the state test after completing a course. That’s why we provide a three-day “cram course” (2-20 or 20-44) to assist you in preparing for the licensure exam.

So, the exam prep reduces the amount of time you spend studying and ensures that you retain all of the principles you acquired in the course. 

Fingerprinting is the third step.

When you work in the insurance industry, you are trusted by various people. You will need by law to have fingerprints taken from anyone applying for a driving license. 

The fingerprinting vendor used by DFS may change from time to time. You don’t require DFS fingerprinting if you did fingerprint within the last year or 48 months to obtain a new license. DFS fingerprinting website has information about scheduling an appointment.

Fill out the Department of Financial Services application (DFS)

By now, the DFS has your course completion certificate, exam score, and fingerprint background check. Your license application and fee are all that is left to complete. Visit http://www.myfloridacfo.com/Division/Agents/ to complete the application and pay the cost.

Frequently Asked Questions

Who needs a Florida 4-40 license?

Most insurance agents and firms in Florida require this license. It’s not intended for insurance agents or brokers, whose primary source of income is commission-based sales. With the 4-40 licenses, you’ll be able to issue quotations, explain policies to customers, and help sales representatives.

How do I get a Florida Customer Service Representative (4-40) License?

  • You must be a Floridian to be eligible.
  • Possess U.S. citizenship or a work permit issued by the U.S. Immigration and Naturalization Service.

Pass the necessary AdjusterPro Florida Customer Service Representative Course and Exam.

Send the as (FLDFS) Requirements for the Use of Fingerprints. Next, the fourth step is to offer the application via My Profile the State provides a list of Disqualifying Crimes for applicants concerned about queries about their criminal history appearing on the application.

Proof of Citizenship Documentation may be necessary in some cases.

Log in to My Profile to discover if they issue your license. FLDFS Licensing Information has all the information you need, even if you’re not a Florida resident.

What can you do with a 2 20 license?

Agent for General Lines (2-20) Property and casualty insurance licenses don’t get much more extensive than this. Offer insurance on everything from cars to homes to business property to commercial real estate to liability to workers’ compensation.

Requirements for State Licensing:

  • It would help if you went to a fingerprinting location run by the Department.

How much does a 2/15 license cost?

Florida Insurance License: 2-15 Health & Life Insurance License costs $147.55 in addition to tuition. It costs $147.55 in addition to the course fee to obtain a 214 Life Only Insurance License. The cost of Class 2-40 Health Insurance License is $147.55 in addition to the course fee.

Bottom line

Property and casualty insurance licenses don’t get much more extensive than this. Offer insurance on everything from cars to homes to business property to commercial real estate to liability to workers’ compensation. It is possible for a 220 agent to oversee a team of agents. So, there are 200 hours of schooling required.

Service and inside sales professionals who need to talk to consumers about insurance are eligible for the 4-40 licenses. A 440 worker in Florida requires by law to get “mainly on a salary basis.” In addition to their base wage, they may receive compensation with a commission, although this is not their primary source of income.


Adam Grabois is an expert in all aspects of Insurance and Property with 20 years of experience. He is a licensed broker of all lines including property, casualty, life, and health. As a licensed adjuster, he is well-versed in all aspects of insurance, and he owns All Needs Insurance agency in Florida.

He attended Tufts University where he earned his undergraduate degree, followed by a Master's degree from Columbia University.

Adam shares his breadth of experience by helping many businesses and individuals manage risk and protect themselves financially. He now shares this with the audience of the "Pro Insurance Info" website.

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