Florida insurance agents must complete continuing education (CE) to maintain an active license and remain in good standing with the Florida Department of Financial Services. Requirements must be completed before the renewal deadline.
This guide outlines Florida’s insurance continuing education requirements, including required credit hours, renewal deadlines, ethics requirements, and compliance guidance.
Florida Insurance CE Requirements Overview
Florida continuing education requirements are based on a two-year renewal period. All required hours must be completed through state-approved courses.
Agents licensed less than 6 years:
- 24 hours of continuing education every 2 years
- Includes 4 hours of Law and Ethics
Agents licensed 6 years or more:
- 20 hours of continuing education every 2 years
- Includes 4 hours of Law and Ethics
Florida agents can review Florida CE courses that satisfy state continuing education requirements. These requirements apply to each renewal period and must be completed before the renewal deadline.
Florida Insurance License Renewal Cycle
Florida insurance licenses renew every two years based on the agent’s birth month.
- Continuing education must be completed before the renewal deadline
- The deadline is the last day of an agent’s birth month
- Missing the deadline may result in penalties or license expiration
Continuing education must be completed before the renewal deadline to maintain an active license and remain in good standing.
Florida CE Hour Requirements
Florida CE requirements vary based on how long the license has been held. These requirements apply to each renewal period.
- Agents licensed less than 6 years must complete 24 total continuing education hours
- Agents licensed 6 years or more must complete 20 total continuing education hours
- All agents must complete 4 hours of Law and Ethics as part of their total requirement
All remaining hours must be completed through state-approved continuing education courses.
Florida Law and Ethics Requirement
Florida requires all licensed insurance agents to complete a 4-hour Law and Ethics course during each renewal period.
This course covers:
- Florida insurance laws and regulations
- Ethical responsibilities of licensed agents
- Consumer protection standards
- Regulatory updates
This requirement must be completed during each renewal period and cannot be skipped.
What Happens If CE Requirements Are Not Completed
Failure to complete continuing education requirements before the renewal deadline may result in the license becoming inactive.
- Agents may be unable to legally sell or service insurance policies
- Additional fees or penalties may apply
- Additional steps may be required to reinstate the license
Completing continuing education before the renewal deadline avoids disruptions to license status and allows continued authorization to sell and service insurance.
How to Complete Your Florida CE Requirements
Florida continuing education requirements are fulfilled by completing state-approved courses and finishing all required hours before the renewal deadline.
- Enroll in state-approved continuing education courses that meet Florida requirements
- Complete all required credit hours, including the Law and Ethics requirement
A structured process can simplify completion and help ensure all requirements are met before the renewal deadline.
You can review available Florida CE course options here to get started.
Florida Insurance CE FAQs
How many CE hours are required for Florida insurance agents?
Florida insurance agents must complete 24 hours of continuing education every two years, including 4 hours of Law and Ethics. Agents licensed for 6 years or more may qualify for a reduced 20-hour requirement.
When is my Florida CE deadline?
Continuing education must be completed before the last day of the birth month during each renewal period. The last day of the birth month is the license renewal deadline.
Do Florida CE credits carry over to the next renewal period?
Only excess continuing education hours may carry over to the next renewal period. Required hours for the current period must still be completed, including the 4-hour Law and Ethics requirement.
Can I complete Florida CE courses online?
Yes. Florida allows approved online continuing education courses, enabling required hours to be completed on a flexible schedule.
Complete Your Florida CE Requirements
Meeting Florida continuing education requirements does not need to be complicated. A structured process allows required hours to be completed efficiently while maintaining compliance. Completing the required hours on time helps maintain an active license in good standing.
Looking for requirements in another state? Review our guide to insurance continuing education requirements by state.
