Florida Insurance Continuing Education Courses and Requirements

FLORIDA CE COURSES

The following courses are currently available for Florida:

REQUIRED HOURS

• For producers of Life and Health (2-14 Life and Variable Annuity, 2-15 Life, Health and Variable Annuity, 2-16 Life Only, 2-18 Life and Health) AND/OR Property and Casualty (2-20) AND/OR Adjusters licensed less than 6 years: Florida requires that each producer complete 24 hours of continuing education including a state- approved and license-specific 5 Hour Law and Ethics Update course every two-year license term.

• For producers of Life and Health (2-14 Life and Variable Annuity, 2-15 Life, Health and Variable Annuity, 2-16 Life Only, 2-18 Life and Health) AND/OR Property and Casualty (2-
20) AND/OR Adjusters licensed 6 years or more: Florida requires that each producer complete 20 hours of continuing education including a state- approved and license-specific 5 Hour Law and Ethics Update course every two-year license term.

• For Title Agents: Florida requires that each title agent complete 10 hours of continuing education, including 3 hours of state-approved and license-specific ethics credits.

• For individuals who hold a license as a customer representative, limited customer representative, motor vehicle physical damage and mechanical breakdown insurance agent, or an industrial fire insurance or burglary insurance agent and who is not a licensed life or health agent OR a licensee who has been licensed for 25 years or more and is a CLU or
a CPCU or has a Bachelor of Science degree in risk management or insurance with evidence of 18 or more semester hours in insurance-related courses: Florida requires that the individual complete a minimum of 5 hours of continuing education every two year license term.

Producers must complete their continuing education by the last day of their birth month each 24- month licensing period.

For additional details on your compliance start period, please click
here: http://www.myfloridacfo.com/Division/Agents/Licensure/General/FAQ.htm

Excess hours accumulated during any 2-year compliance period may be carried forward to the next compliance period.

CATEGORY RESTRICTIONS

Students may take any course that the Florida Department of Insurance has approved for continuing education.

Producers may not repeat the same course within (3) three years and receive continuing education credit.

The required 5 Hour Law and Ethics Update course must be completed for one of the Florida insurance licenses the agent holds.
 
Personal lines, customer representatives, limited customer representatives, and industrial fire and burglary agents may take the following course to satisfy their Ethics requirements: FL 5-Hour Law and Ethics Course 5-220 for General Lines Agents.

Public Adjusters (03-20) can only satisfy elective credits by taking CE courses specifically approved for Public Adjusters (03-20).

Title Insurance Agents must take their required credits on the subject of title insurance and escrow management specific to Florida and approved by the department. This will include the 3 hours of continuing education on the subject of ethics, rules, or compliance with state and federal regulations specifically to title insurance and closing services.

SPECIAL TRAINING

• FLOOD INSURANCE TRAINING – Florida Property and Casualty producers who sell federal flood insurance policies must take and complete a one-time 3-hour course on the subject of or relating to the National Flood Insurance Program (NIFP) training.

• LONG TERM CARE TRAINING – Before selling LTC Partnership products in Florida, producers must complete a one time, 8-hour course of approved LTCP training. Producers must then complete a 4-hour ongoing training requirement every two-year license term.

COURSE PRESENTATION

• CERTIFICATION EXAM – Students are required to pass the certification exam with a 70% or better. Exams must be monitored by a disinterested third party who certifies that the licensee completed the exam without outside assistance.

• STUDY BY TOPIC QUIZZES – ExamFX recommends that all Study by Topic Quizzes are passed with a 70% or better.

• STUDENT AND PROCTOR ATTESTATION – The student and proctor attestation must be completed following the certificate exam.

CERTIFICATES OF COMPLETION AND REPORTING

Students may print their certificate directly from the course after completing the curriculum requirements. Completions are reported to state entities within two (2) business days of the certificate having been issued. There is a $1.50 fee per course in order to report completions to the state. This fee will be charged prior to accessing the certification exam.

NONRESIDENT PRODUCERS

Nonresidents must meet the Florida CE requirements. To see a list of states that meet the Florida CE requirements, please click here: http://www.myfloridacfo.com/Division/Agents/Licensure/Agents- Adjusters/recip_title.htm#.UVWvrIG8zzg

Nonresident producers that meet these requirements are exempt from the Florida CE requirement.

CE EXEMPTIONS

The following are exempt from Florida CE Requirements:

• Those who hold the following limited line licenses are exempt from Florida state requirements: dental representative, motor vehicle physical damage and mechanical breakdown agent, crop hail, and multiple peril crop agent.

• Those officials or employees of a government entity and who occupational description requires current knowledge of insurance issues are exempt from Florida CE requirements.

• Those non-resident producers or adjusters who meet CE requirements in their reciprocal state are exempt. A letter of certification must be provided or the Florida Department must be able to locate the producer in the National Association of Insurance Commissioners’ database in order to prove compliance. For a list of compliant states, please click here: http://www.myfloridacfo.com/Division/Agents/Licensure/Agents- Adjusters/recip_title.htm#.UVWvrIG8zzg

LICENSE RENEWAL

Florida agent and adjuster licenses are perpetual, which means there is no license renewal. However, perpetual license statuses only apply to licenses that either require and hold a current appointment or do not require an appointment. Failure to complete continuing education requirements may result in cancellation of an appointment that could lead to termination of the license.

Florida licenses will expire if those licensees go for more than 48 months without an appointment.

STATE CONTACT INFORMATION

Florida Department of Financial Services

General Phone: 1-877-MY-FL-CFO (1-877-693-5236)

Out of State Phone: (850) 413-3089

Continuing Education Phone: 850-413-3137 Fax: 850-413-3291

CE Email: [email protected]

Mailing Address: 
Bureau of Licensing 200 East Gaines St.
Tallahassee, FL 32399-0319

Florida Department of Financial Services 200 East Gaines Street, Tallahassee FL 32399 Florida Department of Financial Services
200 East Gaines Street, Tallahassee FL 32399

The information displayed above is for informational purposes only. ExamFX is not responsible for the accuracy of the information on this page. All steps have been taken to make sure that the information relayed on this page is accurate; however, information is subject to change without notice. It is the responsibility of the producer to be compliant per their states requirements.