Do I Need the 6-20 License or the All-Lines License?
Do I need the 6-20 license or the All-Lines license? That question trips up a lot of future adjusters, especially when they start comparing resident and non-resident options online. The truth is that in Florida, the 6-20 Resident All-Lines Adjuster license is your resident “all-lines” license, and you can earn it faster with the right designation course that includes a built-in state exam exemption.
The confusion around 6-20 and “All-Lines”
The confusion starts because different websites use different names for similar licenses, and many students are not sure if they need a resident Florida license or a non-resident license based on their home state. In Florida, the 6-20 is officially the Resident All-Lines Adjuster license, and non-residents usually either hold a home-state adjuster license or apply for a Florida non-resident 6-20 once they qualify.
On top of that, people see terms like “All-Lines Adjuster,” “Company/Independent Adjuster,” and “Accredited Claims Adjuster (ACA)” used together, and it sounds like three different paths when they are really pieces of the same licensing puzzle. The ACA designation is simply the education track that satisfies the requirement for the Florida 6-20 All-Lines Adjuster license and can qualify you for a state exam waiver when completed through an approved provider.
Why everyone is searching for “state exam exemption”
More and more students are looking for a Florida 6-20 course that clearly advertises a “state exam exemption” because they want to avoid the stress and travel of taking the Pearson VUE state licensing exam at a test center. For many career changers, the idea of scheduling the exam, driving to the testing site, and retaking the test if they fail is enough to delay their new career by months.
This is where the Accredited Claims Adjuster (ACA) designation course becomes so attractive, because it is designed to function like a pre-licensing class but also produces a designation letter that the Florida Department of Financial Services (DFS) accepts in place of the 6-20 state exam. With an approved online ACA course, you focus on one final exam inside the course instead of juggling extra registration steps with Pearson VUE.
How the 6-20 designation lets you skip the state exam
The key insight is simple: if you successfully complete a state-approved 40-hour 6-20 Accredited Claims Adjuster designation course from an approved Florida provider, the DFS waives the separate state licensing exam requirement for the 6-20 Resident All-Lines Adjuster license. Instead of scheduling a Pearson VUE exam, you submit your designation letter and certificate of completion with your license application to prove you met the education and competency requirement.
OnLine Training’s (OLT) 40-hour 6-20 All-Lines Accredited Claims Adjuster (ACA) designation course is specifically approved to fulfill this requirement and acts as your pre-licensing course and exam waiver in one package. Once you pass the online course and final exam, you receive documentation that can be used when you apply for your Florida 6-20 All-Lines Adjuster license through the DFS, assuming you meet the other state conditions such as fingerprints and background checks.
What you get with OLT’s 6-20 designation course
OLT delivers the 40-hour ACA designation completely online, so you can study from home, your office, or anywhere with a reliable internet connection without installing extra software or apps. The course is text-based with clear explanations, practice quizzes, and a built-in final exam designed to prepare you for real-world adjusting work and to meet state standards at the same time.
Most OLT partner colleges provide three months of access to complete the 40-hour course, and many students finish in about a week of focused study, with extensions available if you need more time. You also get instructor and staff support by email or phone, plus an immediate certificate of completion and designation letter you can download and use in your DFS application as proof of meeting the 6-20 exam-waiver requirement.
Resident vs. non-resident: which 6-20 path fits you?
If you live in Florida and want to handle property, casualty, and other lines of claims as a staff or independent adjuster, the resident 6-20 All-Lines license is usually the right license to pursue. Completing a Florida-approved ACA designation course is a straightforward way to meet your education requirement and avoid the separate state exam while still receiving thorough training.
If you live in another state, your path depends on whether your home state issues its own adjuster license and whether Florida requires you to hold that home-state license first. Many out-of-state adjusters can use an approved Florida ACA course to qualify for a Florida non-resident 6-20 All-Lines license once they hold a valid home-state adjuster license, which can expand their deployment and catastrophe opportunities.
Using the 6-20 to grow into a public adjuster role
The 6-20 Resident All-Lines Adjuster license is not only valuable for staff and independent adjuster careers; it is also one of the key stepping stones for those who eventually want to become licensed public adjusters in Florida. Holding the 6-20 license is one way to qualify for the 31-20 Public Adjuster Apprentice appointment, which lets you gain supervised experience before applying for the 3-20 Public Adjuster license.
Because OLT’s 6-20 ACA course functions like a pre-licensing program while waiving the state exam, it helps you move from training into your first adjuster role more quickly, so you can start building the experience needed for advanced licenses. Whether you plan to specialize in catastrophe work, daily claims, or future public adjusting, getting the 6-20 license in place is a smart early career move.
Why choose OLT for your 6-20 ACA designation
OnLine Training has been a Florida-approved provider for insurance designation and CE courses for years, with the 40-hour 6-20 All-Lines ACA designation built specifically to meet DFS requirements and waive the state exam. The course is offered in partnership with multiple Florida colleges and training partners, all using OLT’s content and state approval numbers, giving you flexibility in where you enroll while getting the same proven online program.
Students choose OLT’s ACA designation because they want a clear, guided path from “curious about adjusting” to “licensed 6-20 All-Lines Adjuster” without extra testing center stress. With instant online access, three months to complete the material, instructor support, and documentation that qualifies you for the state exam waiver, the course is designed to respect your time and help you start working claims as soon as possible.
How to get started with OLT today
The fastest way to begin is to enroll directly in OLT’s 40-hour 6-20 All-Lines Accredited Claims Adjuster (ACA) designation course through the OLT designation course catalog at oltraining.com/designation-courses. You can also register through one of OLT’s college partners, such as Pasco-Hernando State College, Broward College, or other schools that list the 6-20 ACA designation powered by OLT content.
Once you enroll, you receive immediate login access, work through your 40 hours at your own pace, pass the online final exam, and then use your certificate and designation letter when applying for your Florida 6-20 All-Lines Adjuster license with the DFS. If you are asking, “Do I need the 6-20 license or the All-Lines license?”, the answer for most Florida adjuster careers is that you need the resident 6-20 All-Lines—and OLT’s ACA designation course is built to help you earn it without ever stepping into a Pearson VUE exam center.