Florida Insurance Continuing Education
We are a Florida Department of Financial Services for Insurance Producers approved continuing education provider (Provider ID# 370074).
Florida insurance agents cannot take the same continuing education (CE) course multiple times within a two-year period. To give you more flexibility, we maintain alternate versions of our courses so you can complete your required CE hours anytime.
With our online continuing education courses, renewing your Florida insurance license is easy. Finish courses at your own pace using any internet-connected device. All courses include a printable certificate, and we report course completion directly to the state for you.
Florida Law and Ethics Update (220 2044 440 442 233)
4h course
This continuing education class fulfills the entire law and ethics review required for your health insurance license renewal. In addition to discussing significant legislative changes to the practice of insurance in Florida for 2022, 2023 and into 2024, the course covers all the topics and cited references in the Regulatory Resource Guide prepared for this specific license type by the Department of Financial Services (DFS).
Florida Life, Health, and Annuity Elective Course 20 HR CE
20h course
Life and health insurance producers can complete their continuing education requirements for their license renewal with this current and updated course. The course includes 20 hours of elective credits that will count towards your continuing education requirements. NOTE: This course DOES NOT include the required four hours of laws and ethics education.
The course begins with an advanced, in-depth look at life insurance policies and contract terms, including updated and current information on sought-after life insurance coverage. The course continues with a deep discussion of federal life insurance taxation issues and annuities, and the course includes current “numbers” regarding specific federal limitations and rules.
The course then moves into health insurance material and begins with a look at current health insurance and medical expense policies, including tax-advantaged contracts such as HSAs and more. As important as life insurance taxation, health insurance federal tax concerns are heavily explored in the next lesson. Next are anti-money laundering concerns and how insurers, agencies and producers are expected to handle money-laundering issues. An excellent follow-up to money-laundering is a lesson on data security and how it is used in business at-large and in the insurance industry. Credit insurance and its many uses are then discussed, and the course concludes with a current view of insurance technology and its effect on the insurance industry.
Florida Annuity Best Interest 4 HR CE
4h course
This 4-hour training course is designed to meet the National Association of Insurance Commissioners’ (NAIC) education requirements for producers authorized to sell annuities. In 2020, the NAIC updated its Model Regulation for annuity transactions, which mandates insurance producers offering annuities to their customers to take a suitability and best interest training course. This course meets the NAIC’s education requirement.
Specifically, this course includes the updates to the NAIC’s amended Model Regulations for annuity transactions. This course covers annuity suitability and best interest laws, as well as in-depth information on types of annuities, understanding each party of an annuity, contract structures, recordkeeping, contract provisions, and more. This course will teach students how to help a customer choose an annuity product that is right for them, and how to do so lawfully.
Florida Property and Casualty Elective Course 20 HR CE
20h course
General Lines insurance producers can complete their continuing education requirements for their license renewal with the current and updated course. The course includes 20 hours of elective credits. NOTE: This course does NOT include the four-hour law and ethics required of insurance licensees. This course includes updated and interesting information on a number of issues that can affect general lines insurance producers and includes material on the following topics:
- Modern tools used in the insurance industry to protect businesses and commercial concerns, including advanced information on businessowner policies, employment practices liability, umbrella and excess liability and professional liability contracts;
- Personal lines inland marine contacts are thoroughly detailed;
- Toxic mold, a growing problem for consumers and insurers alike, is thoroughly explored;
- Modern insurance and financial concerns are addressed, including
- Anti-money laundering and the insurance business;
- How technology is changing the insurance industry;
- Data security and its importance in financial services; and
- Updated and current information on laws, rules and ethics for General Lines insurance agents, which is a required part of continuing education.
Florida 20 Hour Life, Health, and Annuities Review
20h course
Insurance producers can complete their elective credits toward license renewal with this life and health insurance continuing education. This course begins with a general overview of insurance. Then, policy provisions in life insurance policies, annuities, and qualified retirement plans are discussed. Health insurance topics such as medical plans, group health insurance, the Medicare program, and disability income will round out the class.
Florida 20 Hour Health Review
20h course
Insurance producers can complete their elective credits toward license renewal with this health insurance continuing education. Health insurance topics such as medical plans, group health insurance, the Medicare program, disability income, taxation of insurance, and cybersecurity for producers will be covered.
Florida 20 Hour Life and Health Review
20h course
Insurance producers can complete their elective credits toward license renewal with this life and health insurance continuing education. This course begins with a general overview of insurance. Then, policy provisions in life insurance policies, annuities, and qualified retirement plans are discussed. Health insurance topics such as medical plans, group health insurance, the Medicare program, and disability income will round out the class.
Florida 20 Hour Property and Casualty Review
20h course
Insurance producers can complete their elective credit requirements with this 20 hour package on property and casualty insurance topics. This content is divided into several sections that focus on homeowners insurance, automobile insurance, commercial insurance, worker's compensation insurance, and key federal regulations.
FL Health Elective Course 20 HR CE
20h course
Health insurance producers can complete their continuing education requirements for their license renewal with the current and updated course. The course includes 20 hours of elective credits. NOTE: This course does NOT include the four hours of law and ethics that are required for renewal.
The course begins with an advanced, in-depth look at health insurance basics with an emphasis on current terminology and concepts. The course continues with a new look at dental insurance and continues with updated information on how the federal government taxes health insurance and other medical benefits, including disability and tax-favored health plans.
New material is included within this course package which covers current and topical issues, such as credit insurance,anti-money laundering and the growth of insurance technology and data security for insurance professionals. Finally, the course dives into a deep discussion of modern tools used in the insurance industry for combating fraud and other uses for insurance professionals at the insurer, agency and producer level.
FL Life Elective Course 20 HR CE
20h course
Life insurance producers can complete their continuing education requirements for their license renewal with the current and updated course. The course includes 20 hours of elective credits that will satisfy the elective course requirements of your continuing education. This course does not satisfy the four-hour law and ethics CE requirement.
The course begins with an advanced, in-depth look at life insurance policies currently offered in the marketplace and continues with updated material on life insurance taxation and qualified plans. Additional lessons include credit insurance, anti-money laundering, insurance technology, data security for insurance professionals and concludes with revised and current information on Florida laws and ethics.
Florida Life and/or Annuity Law and Ethics Update (214 216)
4h course
This continuing education class fulfills the entire law and ethics review required for license renewal. In addition to discussing every significant legislative change to the practice of insurance in Florida for 2022 and into 2023. The course covers all the topics and cited references in the Regulatory Resource Guide prepared for this specific license type by the Department of Financial Services (DFS).
Florida 16 Hour Property and Casualty Review
16h course
Insurance producers can complete their elective credit requirements with this 16 hour course on property and casualty insurance topics. This content is divided into several sections that focus on homeowners insurance, automobile insurance, commercial insurance, and specialty insurances.
Florida 8 Hour Long-Term Care Initial Continuing Education Course
8h course
This 8 hour class is approved by the State of Florida. It meets the mandatory initial continuing education requirement to start selling Long Term Care Insurance for licensed Health producers.
Florida Property and Casualty Elective Course 16 HR CE
16h course
General Lines insurance producers can contribute to their continuing education requirements for their license renewal with these current and updated courses. The course includes 16 hours of elective credits. NOTE: This course does NOT include the four-hour law and ethics required of insurance licensees. This course includes updated and interesting information on a number of issues that can affect general lines insurance producers and includes material on the following topics:
- Modern tools used in the insurance industry to protect businesses and commercial concerns, including advanced information on businessowner policies, employment practices liability, umbrella and excess liability and professional liability contracts;
- Personal lines inland marine contacts are thoroughly detailed;
- Toxic mold, a growing problem for consumers and insurers alike, is thoroughly explored;
- Modern insurance and financial concerns are addressed, including
- Anti-money laundering and the insurance business;
- How technology is changing the insurance industry;
- Data security and its importance in financial services; and
- Updated and current information on laws, rules and ethics for General Lines insurance agents, which is a required part of continuing education.
Florida Law and Ethics Update (215 218)
4h course
This continuing education class fulfills the entire law and ethics review required for this license renewal. In addition to discussing significant legislative changes to the practice of insurance in Florida for late 2023 and the early parts of 2024, it covers topics and cited references that have been legislated and put into law in the state.
Florida 16 Hour Life and Health Review
16h course
Insurance producers can complete 16 hours of their elective credits toward license renewal with this life and health insurance continuing education. This course begins with a general overview of insurance. Then, policy provisions in life insurance policies, qualified retirement plans, and taxation of life insurance are discussed. Health insurance topics such as medical plans, group health insurance, and the Medicare program will round out the class.
FL Life and Health Elective Course 16 HR CE
16h course
Life and health insurance producers can complete their continuing education requirements for their license renewal with this current and updated course. The course includes 16 hours of elective credits that will count towards your continuing education requirements. NOTE: This course DOES NOT include the required four hours of laws and ethics education.
The course begins with an advanced, in-depth look at life insurance policies and contract terms, including updated and current information on sought-after life insurance coverage. The course continues with a deep discussion of federal life insurance taxation issues and includes current “numbers” and certain federal limitations and rules.
The course then moves into health insurance material and begins with a look at current health insurance and medical expense policies, including tax-advantaged contracts such as HSAs and more. As important as life insurance taxation, health insurance federal tax concerns are heavily explored in the next lesson. Next are anti-money laundering concerns and how insurers, agencies and producers are expected to handle money-laundering issues. An excellent follow-up to money-laundering is a lesson on data security and how it is used in business at-large and in the insurance industry. Credit insurance and its many uses are then discussed, and the course concludes with a current view of insurance technology and its effect on the insurance industry.
Florida Law and Ethics Update (5-240)
4h course
This continuing education class fulfills the entire health, law, and ethics review required for your health insurance license renewal. In addition to discussing significant legislative changes to the practice of insurance in Florida for late 2023 and into 2024, the course covers all the topics and cited references in the Regulatory Resource Guide prepared for this specific license type by the Department of Financial Services (DFS).
Florida 4 Hour Long-Term Care Ongoing CE
4h course
This course applies to producers who need to renew their Long-Term Care Certification to continue selling LTC Insurance. This course will review key principles and concepts related to long-term care insurance policies.
Florida 3 Hour NFIP Certification
3h course
This 3 Hour course will meet your one time Certification Requirements to start selling Flood Insurance in the state of Florida.
Florida Insurance Continuing Education Requirements
Resident Requirements
Resident insurance agents in Florida must complete continuing education every two years by the last day of their birth months to renew their licenses. If you have not been licensed for 24 months by the time the first expiration date falls, the initial deadline is extended by one year. For example, if you were born in June and became licensed in August 2023, your license renewal deadline would be June 30, 2026.
Any agent not specifically exempt must fulfill the CE requirements outlined below.
Producers and adjusters/public adjusters
If licensed for less than six years, you must complete 24 hours of CE, including:
- 20 hours of elective CE courses
- The 4-hour Law and Ethics Update course
- Additional training if involved in the sale of Long-Term Care (LTC) insurance
If licensed for more than six years, you must complete 20 hours of CE, including:
- 16 hours of elective CE courses
- The 4-hour Law and Ethics Update course
- Additional training if involved in the sale of Long-Term Care (LTC) insurance
Customer representatives, limited customer representatives, title agents*, and industrial fire and burglary agents
If you do not hold other lines of insurance, you must complete 10 hours of CE, including the 4-hour Law and Ethics Update course.
If you do not complete your CE requirements within 45 days of your license expiration, you will receive a Preliminary Notice of Noncompliance and a Settlement Stipulation. The notice will give you information on how to fulfill your requirements and proceed.
*Title agents may not substitute another state's CE requirements and must take Florida-approved courses. Reciprocity is not available.
Non-Resident Requirements
If your home state recognizes reciprocity with Florida, its CE requirements may be used to meet Florida insurance requirements. If you have not met the requirements of another state, or if that state does not recognize reciprocity, you must comply with Florida's policy.
Carryover of Excess CE
If you complete more than the required CE hours for any license term, up to 24 hours of excess credit will apply to the next term. Any additional credit accrued through Law and Ethics courses will apply to their subject-specific requirements.
Rules for Taking the Exam
To complete a CE course, you must pass a closed-book final exam with a score of at least 70%. If you do not pass on the first try, you may retake the exam as many times as you like until you pass.
Rules for Repeating a Course
You cannot repeat the same course within two years from the original completion date. To avoid this overlap, we provide multiple courses approved for various license types in Florida. We've also recently added alternate versions of our courses to offer you more flexibility when renewing your license. If you don't know which courses you already completed, please contact us. We are happy to help!
Alternatively, you may also go to MyProfile, log in, and click on CE Status. For specific questions about your license, contact the department directly at AgentLicensing@myfloridacfo.com.
Credit for Instructors
Instructors may receive the same number of CE credits as students. However, credit hours are limited to the number of hours actively taught in which the instructor is present.
Reporting Rules
After completing a course, we will issue you a certificate of completion and submit proof of course completion to the Florida Department of Financial Services (DFS) on your behalf. You can check your current number of completed course hours through the MyProfile feature at myfloridacfo.com. Course providers have up to 21 days to submit these hours.
If you do not see a course that you completed on your transcript, contact us. If the course does appear on your transcript but you have not received credit for the course, please email AgentLicensing@myfloridacfo.com.
Although we submit your credit hours, you must keep your certificate of completion for two years to resolve any disputes that may arise.
Annuity Requirements
As of January 1, 2024, insurance producers who sell annuities must complete an annuity best interest course.
If you have taken an annuity course prior to January 1, 2024, you must:
- Complete a one-hour annuity best interest course OR complete the four-hour annuity best interest course. The one-hour course is only available until June 30, 2024.
If you have not previously taken an annuity course, you must:
- Complete the four-hour annuity best interest course before selling annuity products.
Florida Long-Term Care Training Requirements
Licensed health agents who handle long-term care (LTC) partnership products require specialized training. You must complete an initial eight-hour course before selling LTC products, then four additional hours of LTC continuing education every licensing term.
Flood Insurance
Before selling flood insurance, agents must complete a one-time, three-hour training course to comply with the requirements of FEMA and the National Flood Insurance program.
Insurance CE Requirement Exemptions
Agents who hold any of the following limited licenses are exempt from CE requirements:
- Motor vehicle physical damage and mechanical breakdowns agents
- Crop hail and multiple-peril crop agents
- Dental representatives
Government employees and officials whose jobs require them to stay current on Florida's insurance laws and issues may be granted an extension upon written application to the Florida DFS.
If you have been licensed in Florida for 25 years or more, you might be eligible for a reduction in CE hours.
And if you also have a degree in Risk Management Insurance or hold the professional designation of CPCU or CLU, you may complete only 10 CE hours every term, including the five-hour Law and Ethics Update course. You must apply for this reduction.