Florida Insurance Continuing Education State Requirements
On this page, you will find all of the state-specific information for Insurance CE in the state of Florida.
Long-Term Care Training
All health agents must complete 8 hours of initial long-term care insurance training, and must complete 4 hours of additional training each 24-month period thereafter. Appointing insurers bear the responsibility of confirming that this training requirement has been met by their agents.
This state has issued a notice reminding licensees who sell flood insurance of their requirement to comply with the minimum 3 hours of training requirements established by FEMA and the National Flood Insurance Program.
All Other State Requirements
A licensee (Producer & Adjuster) who has been licensed for 6 years or less must complete a minimum of 24 hours of continuing education every 2 years (5 hours of Law and Ethics update & 19 hours of Elective credits) for compliance cycles ending 10/31/2014 or later.
A licensee (Producer & Adjuster) who has been licensed for 6 or more years must complete a minimum of 20 hours of continuing education every 2 years (5 hours of Law and Ethics update & 15 hours of Elective credits) for compliance cycles ending 10/31/2014 or later.
As part of the total hours, each licensee must complete a 5-hour Law and Ethics update course every 2 years which is specific to the license held by the licensee. A licensee who holds multiple insurance licenses must complete an update course that is specific to at least one of the licenses held. Except as otherwise specified, any remaining required hours of continuing education are elective and may consist of any approved continuing education course.
- Life (02-16 & 02-14) = 5 hours of Law and Ethics update (5-214) and Elective credits
- Health (02-40) = 5 hours of Law and Ethics update (5-240) and Elective credits
- Life and Health (02-15 & 02-18) = 5 hours of Law and Ethics update (5-215) and Elective credits
- General Lines (02-20) = 5 hours of Law and Ethics update (5-220) and Elective credits
- Personal Lines (20-44) = 5 hours of Law and Ethics update (5-220) and Elective credits
- All Lines Adjusters (06-20, 05-20 & 70-20) = 5 hours of Law and Ethics update (5-620) and Elective credits
- Public Adjusters* (03-20) = 5 hours of Law and Ethics update (5-320) and Public Adjuster Elective Credits
- *Public Adjusters (03-20) can only satisfy elective credits by taking CE courses specifically approved for Public Adjusters. These courses are not currently offered by Kaplan.
This state has issued a notice reminding licensees who sell flood insurance of their requirement to comply with the minimum training requirements established by FEMA and the National Flood Insurance Program.
To find out your CE requirement and your CE status, please go to www.myfloridacfo.com/division/agents/#U_PwnmOTE08. Click on My Profile, log in, and click on CE Status. Contact the department at 850-413-3137 if you have questions regarding your requirement.
Non-resident Florida licensees who comply with the CE requirements in their resident state are exempt from Florida CE. Non-resident adjusters may meet the CE requirement of their resident state or any state’s CE requirement where an adjuster license is held. Non-resident agents must comply with the LTC training for this state or another state which meets the NAIC LTC Model training outline.
A course may not be taken for credit more than once within two (2) years from the original completion date.
Online certification exams are closed book. Course materials are not available while the exam is in progress. The final exam must be passed with a score of 70% or higher to receive CE credit. If the exam is not passed on the first attempt, students have an unlimited number of retakes.
Students are required to acknowledge their understanding that the course examination must be completed unassisted by any person. The student acknowledgement shall also include the student’s understanding that a violation of such standards shall result in the loss of course credit and administrative sanction by the Florida Department of Financial Services.
Florida resident licensees must complete their CE requirements by the last day of their birth month every two years. If they have not been licensed for a full two year period by the initial CE deadline, then the deadline is extended to the next year’s birth month.
Excess hours up to 24 hours may be carried over to the next reporting period.
Report within 21 days of completion. Need Agent’s license number to report.
Individuals acting as instructors for continuing education courses receive the same amount of CE credit as his or her students receive for taking the class.
Agents licensed for 25 years or more, who also hold a CLU or CPCU designation, or who also have a B.S. degree in risk managment or insurance with 18 or more semester hours in upper-level insurance-related courses, must complete 12 hours biennially.
Acceptable Training Methods
- Company Seminars
- Correspondence (Print)
- Online (Internet Delivery)
This information is based on state laws and regulations and is subject to change. Kaplan Financial Education makes every effort to make sure this information is current and accurate, however, Kaplan Financial Education is not engaged in rendering legal or professional advice and shall not be held responsible for inaccuracies contained herein.
View our Florida Total Access CE options:
Total Access CE
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Life & Health
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Total Access CE - Life & Health lets you take all the online continuing education courses you want for one price.
Property & Casualty
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Access to 50+ Courses
Total Access CE - Property & Casualty lets you take all the online continuing education courses you want for one price.
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Total Access CE - Adjuster lets you take all the online continuing education courses you want for one price.