Florida Insurance Requirements.
Provider #363610
Continuing Education (CE) Requirements
This information is intended to provide answers to commonly asked questions by insurance agents. It is not intended to replace detailed information found in your state’s statutes and regulations. Though we have made reasonable efforts to ensure that the information given is reliable and current, we cannot guarantee that it is. For more information please contact your state insurance department. See contact information below.
Course Level Requirements
All of Cape’s courses are intermediate level courses. The courses have been designated by the Florida Department of Financial Services as intermediate level. It is intended for the student who has a basic knowledge with the subject matter or who has limited experience with the subject matter.
The CE-9908 category is good for all license types including title (but not Adjuster).
For a full list of course authority designations, please click here
Continuing Education Requirements (Residents)
License Type | License Type Number | Requirements for Compliance |
|---|---|---|
Life | 02-16 & 02-14 | 4 hours of Law and Ethics update (5-214) |
Health | 02-40 | 4 hours of Law and Ethics update (5-240) |
Life and Health | 02-15 & 02-18 | 4 hours of Law and Ethics update (5-215) |
General Lines | 02-20 | 4 hours of Law and Ethics update (5-220) |
Personal Lines | 20-44 | 4 hours of Law and Ethics update (5-220) |
Customer Representative | 04-40 & 04-42 | 4 hours of Law and Ethics update (5-220) |
Industrial Fire | 02-33 | 4 hours of Law and Ethics update (5-220) |
Title** (Resident & Non-Resident) | 04-10 | 3 hours of Ethics, Rules or Compliance |
Public Adjusters* | 03-20 | 4 hours of Law and Ethics update (5-320) |
All Lines Adjusters | 06-20 & 05-20 & 70-20 | 4 hours of Law and Ethics update (5-620) |
Limited Surety (Bail Bond) | 02-34 & 02-37 | 4 hours of Law and Ethics update (5-237) |
NOTE: The chart above does not reflect reductions, if applicable. Reductions are applied to the elective category.
*For CE cycles that end on or after 7/31/2023, Public Adjusters (03-20) can only satisfy elective credits by taking CE courses specifically approved for the following course authorities:
| CE0220 | CE 2-20 - General Lines (Property & Casualty) | |
| CE0320A | CE 3-20a - Public Adjuster Law and Policy | |
| CE0320B | CE 3-20b - Public Adjuster Ethics | |
| CE0320C | CE 3-20c - Public Adjuster Optional | |
| CE0324A | CE 3-24a - Adjuster Law and Policy | |
| CE0324B | CE 3-24b - Adjuster Ethics | |
| CE0324C | CE 3-24c - Adjuster Optional | |
| CE05220 | CE 5-220 - Law and Ethics Update-General Lines | |
| CE05320 | CE 5-320 - Law and Ethics Update-Public Adjuster | |
| CE05620 | CE 5-620 - Law and Ethics Update-Adjuster | |
| CE9910 | CE 9910 - Premium Discounts / Mitigation Options |
**Non-Resident Title Agents are required to complete the same CE requirements as Resident Title Agents as listed above. Reciprocity for CE compliance is not available.
***The three-hour ethics requirement will be satisfied by department-approved courses in ethics, rules, or compliance with state and federal regulations relating specifically to title insurance and closing services. The course authority for Title Agent Ethics is currently CE9908.
Course Subject Requirements (Residents)
•Elective hours may be taken in any approved course except for title agents and public adjusters.
• All licensees who sell flood insurance must meet the minimum training requirements established by FEMA – a one time 3 hour training course.
• All health agents must complete 8 hours of initial long term care insurance training, 2 hours of the initial 8 must be in Florida specific Long Term Care Partnership training and agents must complete 4 hours of additional training in long term care each biennial period thereafter.
• Each licensee must complete a 4-hour update course specific to their license type. When two or more licenses are held, the licensee must complete a 4-hour course specific to at least one license type held. Below you will find a list of available course authorities for the 4-hour course and how the requirement corresponds to each license type.
| # | 4-hour Course Authority | Corresponding License Type |
| 5-215 | Life, Health, and Annuity 4-hour course | Life including variable annuity and health, or life and health agents (e.g. 2-15 or 2-18) |
| 5-214 | Life and Annuity 4-hour course | Life and/or annuity agents. (e.g. 2-14 or 2-16) |
| 5-240 | Health 4-hour course | Health Agents (e.g. 2-40) |
| 5-220 | General Lines 4-hour course | General Lines or personal lines agents, customer representatives, or limited customer representatives, and industrial fire and burglary agents. (e.g. 2-20, 20-44, 4-40, 4-42, 2-33) |
| 5-620 | Adjuster 4-hour course | Adjusters, except public adjusters. (e.g. 5-20, 6-20, 7-20, 70-20). |
| 5-320 | Public Adjuster 4-hour course | Public Adjusters (e.g.3-20) |
| 5-237 | Bail Bond 4-hour course | Bail bond agents (e.g. 2-34) |
Compliance Date
End of agent's birth month following the second anniversary of the first license issuance date, and biennially thereafter.
Approved Course Delivery Methods
• Independent self-study online or written courses (passing grade of 70% required on final exam)
• Classroom
• Interactive Online
• Seminar
Exam Requirements
Continuing Education self-study courses have no monitor requirement, however students are required to acknowledge their understanding that the course must be completed without assistance. Students must also acknowledge their understanding that a violation of continuing education standards shall result in an administrative sanction based on paragraph 626.611(1)(g), F.S., and the loss of course credit.
Carryover Credits
Up to 24 excess hours may be carried over to the next reporting period.
Course Repetition
Courses may not be taken for credit more than once in a two-year period.
Non-Resident Requirements
• Non-resident Florida licensees who comply with the CE requirement in their resident state are exempt from Florida CE.
• Nonresident adjusters may meet the adjuster CE requirement of their resident state or any state’s CE requirement where an adjuster license is held.
• Non-resident agents must comply with the LTC training for this state or another state, which meets the NAIC LTC Model training outline.
• Non-resident Title agents are required to complete the same CE requirements as Resident Title Agents as listed above. Reciprocity for Title CE compliance is not available.
Exemptions
• Individuals with a limited lines license that does not have an examination requirement.
• Individuals with any of the following licenses: dental representative, motor vehicle physical damage and mechanical breakdown agent and crop hail and multiple peril crop agents.
Credit Reporting
Cape reports credits to the Florida Insurance Department within 14 days of course completion. A course completion certificate is provided for the agent’s records.
Contact Information:
If you have any questions regarding renewal or credits, please contact:
Florida Department of Financial Services
Bureau of Agent and Agent Licensing
Room 419 Larson Building
200 E. Gaines St.
Tallahassee, FL 32399-0319
Phone: 850.413.3134
Fax: 850.488.8253
http://www.fldfs.com/
Contact Cape:
Cape School, Inc.
P.O. Box 169
Buckingham, VA 23921
Phone: 800-729-7363
Fax: 888-303-1828
Or email us below
Have Questions? Call us at # 800-729-7363 or reach us by email at info@capeschool.com.