Life Insurance Licenses: Validity And Renewal Requirements

In Florida, insurance licenses are perpetual and never expire. However, to keep their licenses current, license holders must take continuing education classes every two years. The two-year period starts the year the initial insurance license was issued on the last day of the holder’s birth month.

The Florida Department of Financial Services – Division of Insurance Agent & Agency Services requires that all insurance producers and agents complete their continuing education requirements every two years. In Florida, these requirements include 24 total hours of insurance continuing education every renewal period, which is two years, with four of those hours in the subject of Florida Law and ethics.

If you fail to comply with the CE requirements after two years, the state may immediately terminate or deny the renewal of your appointment.

How often do I need to renew my Florida insurance license?

In the state of Florida, insurance licenses are perpetual and never expire. However, to keep your license current, you must take continuing education classes every two years. This two-year period starts the year the initial insurance license was issued, on the last day of the holder's birth month.

To renew your Florida insurance license, you are required to complete twenty-four hours of insurance continuing education every renewal period, which is two years. Four of those hours must cover the subject of Florida Law and ethics. If you have a producer license in more than one line of authority, your total amount of CE credit hours due remains twenty-four.

The Florida Department of Financial Services recommends that you complete all continuing education credits thirty days prior to the expiration date of the license. This will allow the CE provider time to report the successful completion to the department of insurance.

How much does it cost to renew my Florida insurance license?

In Florida, insurance licenses are perpetual and never expire. However, license holders must take continuing education classes every two years to keep their license current. There is no fee or paperwork required to renew your license after you complete your required CE hours.

The two-year period starts the year the initial insurance license was issued on the last day of the holder’s birth month. It is recommended to complete all continuing education credits 30 days prior to the expiration date of the license. This will give the CE provider time to report the successful completion to the department of insurance.

The Florida Department of Financial Services – Division of Insurance Agent & Agency Services requires that all insurance producers and agents complete their continuing education requirements every two years. In Florida, these requirements include:

• Twenty-four (24) total hours of insurance continuing education every renewal period, which is two (2) years
• Four (4) of those hours must be in the subject of Florida Law and ethics

If you have a producer license in more than one line of authority (e.g. Property & Casualty and Life & Health), you do not need to take double hours. Your total amount of CE credit hours due is still twenty-four (24).

The cost of renewing your Florida insurance license will depend on the CE provider you choose.

What are the continuing education requirements for Florida in renewing my insurance license?

To renew your insurance license in Florida, you must complete continuing education requirements. The number of hours of continuing education you need to complete depends on how long you have been licensed. If you have been licensed for less than six years, you must complete 24 hours of continuing education every two years. If you have been licensed for more than six years, you must complete 20 hours of continuing education every two years. The deadline for completing these requirements is the last day of your birth month every two years.

The continuing education requirements include a mandatory four-hour course on Law and Ethics Update. The rest of the hours can be completed in any topic approved by the Florida Department of Financial Services.

In addition to the general requirements outlined above, there are specific requirements for different types of insurance licenses. For example, public adjusters are required to complete an initial eight-hour course and four additional hours of continuing education every licensing term to sell long-term care insurance.

It is important to note that Florida does not allow licensees to receive credits for courses repeated within a 24-month period. Therefore, it is essential to keep track of the courses you have completed and ensure you are taking a variety of approved courses to meet the continuing education requirements for renewing your insurance license in Florida.

How do I document the completion of my continuing education courses?

In Florida, insurance licenses are perpetual and never expire. However, license holders must take continuing education classes every two years to keep their license current. The two-year period starts the year the initial insurance license was issued on the last day of the holder’s birth month.

The completion of continuing education courses is typically documented by the course provider. They are responsible for submitting proof of completion to the Florida Department of Financial Services. The provider has 21 days after the completion of your course to submit your course credit.

You can check your continuing education progress and make sure that all completed courses are in your state file by using the state's online system to look up license information, including continuing education completion.

What is NPN for an insurance agent?

The National Producer Number (NPN) is a unique identifier assigned to insurance agents and other professionals in the industry, such as adjusters and navigators. It is assigned during the licensing application process or the NAIC reporting systems. The NPN is used to track these individuals and entities on a national basis.

The NIPR (National Insurance Producer Registry) provides a cost-effective, streamlined, and uniform licensing data and compliance service for insurance professionals. They make it easy to apply for or renew licenses.

Frequently asked questions