Florida 4-40 License

Based on 1511 reviews

Our 100% online course offers a convenient and affordable way to become a licensed 4-40 Customer Representative in Florida.

  • self-paced
  • waived state exam
  • offered in both English and Spanish
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Launch your career

Most insurance agencies in Florida require employees to hold a 4-40 License.
Jumpstart this process with our pre-licensing Customer Insurance Representative (CIR) course!

Learn anywhere, anytime

Our CIR Designation is completely online, offering a self-paced and convenient way to become a licensed 4-40 Customer Representative in Florida. In just a few minutes, you’ll be on your way to an exciting new career!

100% Online

You are important, don't forget it

CIR’s interact with customers regularly and have a huge impact on customer satisfaction and retention – which is the main goal of every insurer. There is also a lot of job opportunity because every insurance agency in Florida needs a few to be successful.

+800 Insurance Companies in FL

Skip the state exam, and headache

After you finish our course and pass the included exam, we’ll send your completion certificate directly to the Florida Department of Financial Services.  With no need to schedule additional testing, you’re ready to apply for your license. Jumpstarting your new career is as easy as that!

5 Opportunities to ace the test
Florida 4-40 License

“The online CIR Designation course was exactly what I needed – a simple and fast means to my 4-40 CR License. Thanks!”


No insurance experience? No problem.

In a world where experience seems needed to get any job you actually want, we make it easy to get your foot in the door! To apply, you only need to meet a few simple guidelines. You must be at least 18 years of age, a resident of the State of Florida, and a U.S. citizen or legal alien who possesses a work authorization from the United States.

Across the board, we are the best option for your schedule (and wallet)

Competitors 4-40 course

  • 40 hours in classroom
  • three full-time weekends
  • $439 + cost of text book
  • on campus
  • state exam waived

AdjusterPro CIR course

  • 40-hour course
  • self-paced
  • $299
  • 100% online
  • state exam waived

Traditional education

  • associate or bachelor’s degree
  • 2-4 years of college
  • $3,000 - $10,000 per year
  • on campus
  • if candidate has taken +9 hours of specific insurance classes, exam may be waived.
    Official transcript is required.

Course Reviews

Based on 1511 reviews
"Very informative and easy to complete"

“I loved it, very informative and it was easy to complete. Would definitely recommend.”

"Best online courses I have taken"

“This was one of the best online courses I have taken. I love the fact that it allowed me to go back over the parts that I needed help with. I also like the fact that you can go to the test and see the parts you really needed to study. I will definitely be using them to further my insurance education. #thumbsup”

"I'm very glad to have put my confidence in Adjusterpro!"

“This course was recommended by a friend and I definitely highly recommend. It was FULL of information and extremely thorough. I’m very glad to have put my confidence in Adjusterpro!”

"A great tool to start a career in the insurance world!"

 “Very detailed and thorough course. Seems like a great tool to start a career in the insurance world!”

"The quizzes are extremely helpful"

“The study modules were packed with information. The course itself is very easy to follow and understand. The quizzes are extremely helpful to prepare you for the final exam.” 

Quick and simplified but well-explained course"

 “Honestly, very very well put together, super easy structure. Quick and simplified but well-explained course.”


“Informative easy to navigate, the audio examples helped me, almost as having a teacher or instructor.”

"Great teaching experience"

“Great teaching experience”

See more reviews >

Frequently asked questions

Who needs a 4-40 License?

This license is required to work for most insurance agents and agencies in Florida. It’s designed for salaried employees of insurance agencies, not agents or brokers who earn the majority of their pay from sales commissions. The 4-40 license allows you to make quotes, explain policies to clients, and provide valuable assistance to sales agents.

What is the typical role for a Customer Representative?

As a CR, you’ll handle many of the day-to-day tasks for the agent or agency. You might discuss policies and coverages with customers, answer their questions, handle personal information of clients and potential clients, or make policy changes. Customer Reps can also sell insurance, as long as they are under the supervision of a licensed general agent. Other responsibilities include developing good relationships with policyholders, up selling coverage, and encouraging customers to refer friends and family. 

Customer Rep’s are often seen as the ‘face’ of the agency since they communicate with policyholders and would-be policyholders on a regular basis. They can have a huge impact on customer satisfaction and retention, (the main goal of any insurer,) so they are incredibly important. Customer Reps can make commissions, however, commissions cannot total more than half of their annual pay.

What is the application process for the 4-40 License?

To apply for your Florida 4-40 license, you must complete a state-approved prerequisite course, usually referred to as a “designation.” Our designation course is labeled CIR which stands for Customer Insurance Representative. 


Once you complete our CIR course, you’re ready to apply for your 4-40 License.

  • Submit your application for licensing through MyProfile

– There are special requirements for applicants with a prior criminal history. Click here for more info provided by the state.

Watch our Florida 4-40 application video for help with your application

For complete licensing details, including nonresident information, see FLDFS Licensing Information.

How much will the 4-40 License cost overall?

Once you’ve completed our Florida CIR Course and passed the included exam, you’ll need to pay the following state application fees. 

  • Licensing and Application Fee: $50
  • License ID Fee: $5
  • Fingerprint Processing Fee: $48.55

Is there opportunity for career growth?

The simple answer: YES! 


Today, insurance is a part of every aspect of our lives. The industry is one of the largest in the world and employs millions of people in hundreds of different jobs and roles. No matter what your interest, there is likely a position in the insurance industry to suit your talents. 

On a smaller scale, the 4-40 License is a great way to break into this booming industry. Working as a customer representative will help you learn about the industry and insurance policies and give you real-world experience should you decide to become a full-fledged agent. Once you have taken our CIR Designation course and worked for 1 year as a licensed 4-40 rep, you only need to take a 40-hour course and pass an exam to become a 2-20 licensed general agent. In comparison, those who do not have their 4-40 license must take a 200-hour course and pass the state exam or get a college degree in insurance before qualifying.

Licensing renewal and continuing education

You must renew your 4-40 License every two years. While there is no renewal fee, license-holders do need to complete 10 hours of continuing education every renewal period and submit proof to the state in order to stay compliant.  

The 10-hours of CE must consist of the 5-hour Florida Law and Ethics Update and an additional 5 hours of elective credits. 

We do not currently offer continuing education courses for the Florida 4-40 license. 

To see complete details on the 4-40 license or to search for approved CE courses, visit the Florida Department of Insurance 4-40 Website Page. You can also contact the department at  (850) 413-3137 or agentlicensing@myfloridacfo.com.

Still have questions? 

Give us a call at (214) 329-9030 or email us at info@adjusterpro.com. 

We are happy to help!

Why AdjusterPro?

Our team is passionate about providing the best insurance training courses and online classroom experience in the industry. No matter where you may be coming from, our dedicated career consultants and customer support team are available to answer questions and guide you through every step of the journey. Together, we can help you reach your goals and inspire your future!

Launch your exciting new career today!

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