FLORIDA STATE REQUIREMENTS
Agents must complete 24 hours Biennially
Including 5 hours of Law and Ethics Update


LICENSE RENEWAL

  • Florida licenses are perpetual, but will expire if there are 48 months without an appointment. Failure to complete continuing education requirements which are reported on the last day of the agent’s birth month biennially, may result in cancellation of appointments
COURSES ACCEPTED FOR CE CREDIT
  • Classroom Courses
  • Self-Study Courses
  • Online Courses
  • Seminars – expires 12 months from approval date
  • Instructors will receive the same amount of credit hours as the attendees
  • Active courses do not expire, but courses which have not been offered for a period of 5 years will be terminated
  • Effective 11/30/15 All approved courses in any license category are considered electives and may be taken for CE for any license type. The only exception is the 5 hour update courses which are required to be license specific
COURSE SUBJECT REQUIREMENTS
  • All approved courses may be taken by any license type with the exception of the 5 hour update requirement; Agents must take the required course authority that pertains to their license type
5 HOUR LAW and ETHICS REQUIREMENT
  • Florida HB 725 requires that 5 hours of the required continuing education for all licensees' be an up-to-date course specific to the license held. For licensee's holding 2 different licenses, the 5 hour update course must be completed in the subject area of at least one of their license types
ANNUITY REQUIREMENT
  • Florida has not adopted the NAIC Model Regulation but has expanded the suitability requirement to include all ages
LONG TERM CARE REQUIREMENT
  • Initial 8 hours LTC – Must include state specific content
  • 4 hours LTC every 2 years following
CARRYOVER REQUIREMENT
  • Up to twenty-four (24) credit hours can be carried over to the next compliance period
COURSE REPETITION
  • Credit will not be given for a course that is repeated within a 2-year period
  • The 5 hour update course must be submitted as a new course with new information in the outline each year. It will be given a new course ID after each approval, and is not considered a duplication
FINAL EXAM
  • Florida requires 6 questions per credit hour on the examination
  • Online Courses: Agents are required to acknowledge their understanding that the course examination must be completed unassisted by any person
  • Self Study Courses:
  • Florida Affidavit of Personal Responsibility
  • May be taken without a proctor provided the agent presents a sworn affidavit and acknowledge their understanding that the course examination must be completed unassisted by any person
  • If the agent is an employee of an agency or corporate entity, the students supervisor or a manager or owner of the agency must also sign the sworn affidavit
  • If the student is self-employed, a sole proprietor, or a partner the sworn affidavit must be also signed by a disinterested third party
EXEMPTIONS
  • Licensees in the first 24 months of licensure

For Additional Information please contact:

Florida Department of Financial Services
Room 419 Larson Building
200 East Gaines Street
Tallahassee, FL 32399-0319

Licensing Division
Phone: 850-413-3137
Fax: 850-488-8253

State Website: http://www.myfloridacfo.com

Revised 6/13/18