How to Renew a Florida Insurance License

Florida Department of Insurance

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ph: (850) 413-3137 x 1101

fax: (850) 413-3291

email: ofr@fldfs.com

website: www.fldfs.com

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1. Review the State Requirements

In order to renew your insurance license, you must complete the required continuing education hours for the lines of insurance that you are licensed in. All of the hours must be completed and reported prior to your license renewal date to avoid a lapse in your license.

GENERAL REQUIREMENTS:

Total Hours

24 hours biennially for Producers and Adjusters licensed less than 6 years
20 hours biennially for Producers and Adjusters licensed 6 years or more

Compliance Renewal Date

Florida producer licenses are perpetual but will expire if more than 48 months go by without an appointment.

Continuing education is due by the last day of the licensee's birth month, biennially. The first renewal will not be due until after the licensee has been licensed for at least 2 years.

You may also need to take specific courses or earn specific credit types to renew your license. These course completions will count toward the total hour requirement.

LINE-SPECIFIC REQUIREMENTS:

No line specific requirement is required. Any course type is allowed.

For All Licenses:

Law & Ethics
5 hrs - Producers & Adjusters must complete 5 hrs of Law & Ethics as part of the total requirement. If licensed in more than one line, only one 5-hour course must be completed. (This requirement replaces the previous Ethics and Senior Suitability requirements.)

For Life & Health Producers:

Long-Term Care
8/4 hrs - Producers must complete an initial 8-hour Long-Term Care (LTC) Certification Training prior to selling, soliciting, or negotiating Long-Term Care products/policies. After completing the initial requirement, producers must complete a 4-hour ongoing LTC training, due on the completion date of the 8-hour training, every 24 months thereafter. (non-residents must also comply with requirement).

For Property/Casualty (General Lines) Producers:

Flood
3 hrs - Property/Casualty producers must complete a one-time 3-hour course on NFIP Flood Insurance Certification Training prior to selling flood insurance policies.

CARRYOVER HOURS:

Up to 24 hours may be carried over to the next renewal period.

COURSE REPETITION:

Courses may not be taken more than once in a two-year period. Completion dates must be at least 24 months apart.

If you meet any of criteria below, you may be exempt from the continuing education requirements.

EXEMPTIONS:

Licensees are exempt if they hold a license for a limited line for which an exam was not required or for which an exemption is made by rule
Individuals who are officials or employees of a government entity and whose job requires them to stay current on insurance issues (request for approval from the FL DOI is required)
Licensees holding any of the following limited licenses: dental representative, motor vehicle physical damage and mechanical breakdown agent, and crop hail and multiple-peril crop agent
Nonresidents (if compliant with home state requirement)
- Nonresident producers must comply with the LTC training for this state or another state which meets the NAIC LTC Model training outline
- Nonresident adjusters may meet the CE requirement for any state where an adjuster license is held provided that state is reciprocal with Florida

2. Register for and Complete Courses

Once you have determined the renewal requirements for your license, you can register for courses. Each course has an associated credit type; when registering for courses, select courses with credit types that will help to fulfill the renewal requirements for your license.

PreLicenseTraining.com offers classroom, webinar, online, and self study courses for Florida. You can register for courses at CE Courses.

You must fulfill the course requirements for each of the courses to have them reported.

Classroom and webinar course completions are based off of attendance and participation and do not require a completion exam. You must be present for the full duration of the course and be active and attentive throughout to receive credit.
Online and Self Study courses are self-paced. You must review the course material and pass the Certification Exam at the end to receive credit.

MONITOR REQUIREMENTS:

Course examinations may be taken without a proctor provided that the student presents a sworn affidavit certifying that no written materials were consulted and no outside assistance of any kind was received from any person during the exam.

REPORTING METHOD:

Once a course has been completed, the completion must be reported to the state. PreLicenseTraining.com will report the course completions to the Florida Department of Insurance.

3. Renewal

Insurance agent and adjuster licenses are perpetual (no renewal required), provided that the licensee is properly appointed. The license will expire if it goes 48 months without an appointment. Failure to complete continuing education requirements may result in cancellation of an appointment that could lead to expiration of the license.

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