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).
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).
Law and Ethics CE Courses ~ Reduced to 4 Hours Effective 1/1/2022
Effective January 1, 2022, the 5-Hour Law and Ethics Update course requirement will be reduced to a 4-Hour Law and Ethics Update requirement. Section 626.2815, F.S. was amended to reflect this change during the 2021 Legislative Session. Education providers will begin offering the new 4-Hour Law and Ethics update courses on January 1, 2022, so be on the lookout for the new courses if your compliance cycle is due on or after January 31, 2022.
When the changes go into effect, individuals licensed for less than 6 years will have to complete a 4-Hour Law and Ethics Update course, and 20 hours of elective credits for a total of 24 hours of CE. Those individuals licensed for more than 6 years are required to complete a 4-Hour Law and Ethics Update and 16 hours of elective credits, for a total of 20 hours of CE. Individuals licensed for 25 years or more who hold a CPCU, CLU, or RMI degree are required to complete a 4-Hour Law and Ethics Update, and 6 hours of elective credits, for a total of 10 hours of CE.
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.
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