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THE BASICS
Licensed agents must earn 28 hours of CE credit by the end of their
birth month every other year. Certain limited licenses require only 14 hrs of
CE credit.
[Workers Compensation claims adjusters also need to
earn CE credits. Contact us
for details, as this summary focuses on Agent CE.]
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General Lines agents (2-20 license) must earn 28 hours of CE
credit in approved courses on property-casualty subjects.
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Life & Health (2-15 or 2-18 ) must earn 28 hours in
life-health related courses (see exceptions below.)
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Limited CR license (4-42) must earn 14 hours of CE in
approved personal auto courses.
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Dual Licensed people (those with both a P&C and a L&H
License) also have to earn 28 hours, but for them 14 hours must be in P&C
courses and 14 in L&H courses. Once one has a P&C and a L&H
license, extra licenses (e.g. a 1-20 Surplus Lines) do not affect their
CE requirement of 14 P&C and 14 L&H hours.
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EXCEPTIONS
Individuals who hold a major lines license - 1-20, 2-14, 2-15, 2-16,
2-18, 2-20, 2-40 or the non-resident equivalent of these licenses - and
those whose compliance period BEGINS January1, 1998 or later, and ends
on December 31, 1999 or later, and who have been licensed in Florida for six
(6) years or more as of the first day of their compliance period, qualify for a
reduction from 28 required hours every two years to 20 hours of intermediate or
advanced level continuing education courses every two years. Licensees do not
need to apply for this reduction. It will be automatically applied when
calculating compliance.
This exception is not applicable to the limited lines license types 2-33,
4-10 or 4-42.
People with only a 2-20 or 4-40 (i.e. no life or health
license) may earn up to half of their CE hours in certain health-only courses
that also qualify for P&C credit. You cannot receive credit for a course
that is broader in scope than your license, so people with a limited life (2-16)
or health (2-40) license must earn their CE credits in the specific area
(either life or health) in which they are licensed.
People with a CPCU or CLU designation and at least 25
years of experience can cut their CE requirement in half. To apply
for this reduction you must submit an application on Form D14-1109/ASI
601011 along with all requirements stated on the form. This form must
be submitted prior to your birthday month in the year compliance is due. The
designation or degree is not required to have been earned as of the first day
of your compliance period.
[There are other special provisions related to
various limited licenses. Contact
us for details.]
COMPLIANCE DATE
Each person's Compliance Date is the last day of their birth
month every other year.
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For those licensed prior to 1991 it would be the last day
of their birth month in 1993 (the first year of CE compliance), 1995,
1997 and so on.
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For those licensed after 1991 the compliance period begins on
the day you are licensed and extends 24 months beyond the birthday month that
follows your original date of licensure.
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Everyone has 2 full years before their first CE deadline and must
comply every other year thereafter.
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BASIC, INTERMEDIATE & ADVANCE RULE
All licensed agents that have had their license for less than 6 years
can take basic, intermediate or advance continuing education courses. All
licensed agents that have had their license for more than 6 years MUST take
intermediate or advance continuing education only; no credit will be given for
basic courses.
EXCESS HOURS
Florida allows excess hours to be carried forward one
compliance period. However, credits will not be carried over for more than one
period. Carry-over hours may be used to satisfy part or all of the requirements
for the next compliance period. Of course, the carry-over must be in the lines
of business for which you are licensed.
36-MONTH NO-REPEAT RULE
You cannot receive credit for the same course twice
within a 36-month period.
To be considered the same course, a course must
have the exact same course number, assigned by the Department of
Insurance when they approve the CE course.
Course sponsors are required to publish course numbers
on all promotions, so students can compare them with past Certificates of
Completion to determine if it is a class they have previously attended.
All licensees should maintain a list of CE courses
attended and plan ahead to satisfy their CE requirements on time and avoid
repeating a class.
Contact
us with questions
Our
Continuing Education program
Continuing Education Schedules & Registration
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