FLORIDA INSURANCE
CONTINUING EDUCATION LAW

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.]

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.

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