Paul Sanchez
In Florida, insurance licenses do not have an expiration date, but they must be renewed by completing continuing education (CE) courses every two years to keep the license active and in good standing with the state. If you are approaching the renewal date for your Florida insurance license, you must complete your CE courses before your expiration date. The number of CE hours required depends on the type of license and how long you have been actively licensed.
| Characteristics | Values |
|---|---|
| Expiry date of Florida life insurance license | There is no expiration date to renew the license. However, licensees must complete continuing education (CE) hours every two years to keep the license active. |
| CE hours | Florida insurance agents licensed for less than 6 years are required to take 24 credits of CE. Those licensed for more than 6 years only have to take 20 credits of CE. |
| CE topics | Insurance policies, ethics, insurance law, claims and tax updates, property and casualty, life and health. |
| CE courses | Live classes, self-paced courses, in-person classes, online webinars. |
| CE credits | The Florida DFS has granted a 60-day CE extension to licensees with CE due in October, November, or December 2024 due to recent hurricanes. |
| License renewal | Licenses are perpetual and automatically renew as long as the CE requirements are completed on time. |
| License cancellation | Failure to complete CE requirements may result in the cancellation of appointments, which could lead to license expiration. Failure to hold at least one appointment after 48 months will result in license cancellation. |
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What You'll Learn
- Florida insurance licenses don't expire, but they must be renewed every two years
- Renewal requires completing continuing education (CE) courses
- The number of CE credits required depends on the license type and how long you've been licensed
- CE courses cover topics like insurance policies, ethics, and insurance law
- You can take live classes or online webinars to fulfill CE requirements
Florida insurance licenses don't expire, but they must be renewed every two years
The Florida Division of Insurance Agent & Agency Services determines the number of hours needed and whether there are restrictions on the types of CE accepted. The CE topics include insurance policies, ethics, insurance law, claims, and tax updates. Some classes are geared towards specific lines, such as property and casualty or life and health.
The number of CE credits required depends on your experience level. Agents licensed for less than six years need 24 credits, while those licensed for more than six years require 20 credits. Additionally, at least one four-credit-hour course on "Law and Ethics Update" is mandatory, and it must be approved for your specific license type. The remaining credits can be earned in any topic approved by the Florida Department of Financial Services.
To maintain your license, it is advisable to select and enroll in courses well before your expiration date. You can choose from various course formats, including live classes, full-day sessions, or shorter online webinars. Most courses require a knowledge exam for completion, but some in-person classes or webinars may not.
Remember, if you fail to meet the CE requirements by the deadline, your license may be at risk of cancellation. Therefore, it is essential to stay compliant and complete the necessary education hours to keep your Florida insurance license active and in good standing.
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Renewal requires completing continuing education (CE) courses
In Florida, insurance licenses do not have an expiration date. However, to keep your license active and in good standing, you must complete continuing education (CE) courses every two years. This means that license renewal is dependent on fulfilling CE requirements.
The number of CE hours you need to complete depends on how long you have been actively licensed. Florida insurance agents licensed for fewer than six years are required to take 24 credits of CE, while those licensed for more than six years only need to complete 20 credits. These requirements apply to all agents licensed to sell major lines of insurance, including life, health, general lines, and personal lines.
The type of CE courses you take should be based on your license type. For example, Florida requires agents to take a four-credit-hour course on "Law and Ethics Update," specifically approved for their license type. The rest of the CE credits can be obtained through courses on various topics, such as insurance policies, ethics, insurance law, claims, and tax updates. Some classes will be geared toward specific lines, such as property and casualty or life and health.
To ensure you meet your CE requirements on time, it is recommended to select and enroll in courses well before your expiration date. You can choose from different study methods, including live classes, full-day sessions, shorter sessions, or online webinars, offered by various providers. After completing your courses, verify that all your completed courses are recorded in your MyProfile account.
By fulfilling the necessary CE requirements, your Florida life insurance license will remain active and automatically renew without the need for a separate renewal process.
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The number of CE credits required depends on the license type and how long you've been licensed
In Florida, insurance licenses do not have an expiration date, but they must be renewed by completing continuing education (CE) courses every two years. The number of CE credits required depends on the type of license and how long you've held it.
Florida insurance agents with less than six years of experience must complete 24 CE credits every two years. Those with more than six years of experience only need to complete 20 CE credits. This rule applies to all agents licensed to sell "major lines" of insurance, including life, health, general lines, and personal lines.
The type of CE credits you must take depends on your license type. For example, Florida requires agents to complete a four-credit-hour course on "Law and Ethics Update" approved for at least one of their license types. The remaining CE credits can be in any topic approved by the Florida Department of Financial Services.
You can find CE courses in various formats, such as live classes, full-day sessions, or shorter online webinars. It is important to select and enrol in courses well in advance of your expiration date to keep your license active. The Florida Department of Insurance requires you to complete your CE hours by the last day of your birth month every two years.
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CE courses cover topics like insurance policies, ethics, and insurance law
In Florida, insurance licenses do not expire, but they must be renewed by completing Florida Insurance continuing education (CE) courses every two years to keep the license active and in good standing with the state. The two-year period starts the year the initial insurance license was issued on the last day of the holder’s birth month.
For example, some courses focus on regulatory compliance and strategic planning, providing tools to navigate the field effectively. They cover topics such as group benefits, ethics, and new state and federal laws that influence the insurance industry. This helps insurance agents understand how to integrate insurance products into their clients' lives and assist with financial planning.
Other courses might delve into specific types of insurance, such as property and casualty insurance, homeowners insurance, workers' compensation, or auto insurance. These courses ensure that insurance professionals have a solid understanding of the coverage options available to their clients.
Additionally, CE courses can cover a range of other topics, including annuities, cybersecurity, anti-money laundering, consumer protection law, general liability, and flood insurance. The specific courses and credit hours required may vary based on the license type and how long the licensee has been actively licensed.
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You can take live classes or online webinars to fulfill CE requirements
In Florida, insurance licenses do not have an expiration date, but they must be renewed by completing continuing education (CE) courses every two years to keep the license active and in good standing with the state. 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 CE requirements before their expiration date. The amount of CE required depends on how long you have been actively licensed. Agents licensed for less than six years must take 24 credits of CE, while those licensed for more than six years need only 20 credits. Additionally, at least one of the courses must be a four-credit-hour "Law and Ethics Update" course approved for their specific license type. The rest of the CE credits can be obtained through courses on various topics, including insurance policies, ethics, insurance law, claims, and tax updates, as long as they are approved by the Florida Department of Financial Services.
It is important to select and enroll in courses well in advance of your expiration date and to verify that all completed courses are recorded in your MyProfile account. You can access your continuing education transcript through Florida’s MyProfile service, which will show the number of hours you have completed.
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Frequently asked questions
You will receive a Preliminary Notice of Non-Compliance and a Settlement Stipulation in your MyProfile account approximately 45 days from the end of your compliance period.
Florida insurance agents licensed for less than 6 years are required to take 24 credits of CE. Those licensed for more than 6 years only have to take 20 credits of CE.
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.
First, review Florida's CE requirements. Then, select and enroll in courses well in advance of your expiration date. Finally, complete your courses and verify that they are recorded in your MyProfile account.
You can join your fellow license holders for a live class taught by an industry professional. You can also take shorter sessions or online webinars to fulfill your requirements.
