Steps to Keep Your Florida Insurance License Active

Whether you’re an insurance adjuster or producer in Florida, you’re likely aware that your license is perpetual. However, while no renewal is required, you must take steps to keep your Florida insurance license active. This includes maintaining an appointment with an appropriate appointing entity or person and staying current with your Florida insurance continuing education (CE) requirements.

Maintaining Your Appointment

Your appointment is typically set up when you first obtain your license. As long as you keep it active—something easily managed via eAppoint—you’re covered on that front.

Florida Insurance Continuing Education Requirements

To keep your Florida insurance license active, you need to meet the state’s CE requirements, which vary depending on how long you’ve held your license. If you’ve been a producer or adjuster for less than six years, you must complete 24 hours of CE every two years. After six years, your requirement drops to 20 hours.

Regardless of your experience level, part of your CE hours must include a Florida 5-hour law and ethics update.

Required Courses by License Type

The specific courses you need depend on the type of Florida insurance license you hold. Here’s an overview for licensees requiring 24 hours of CE (subtract five hours for those needing only 20 hours):

Life (02-16, 02-14): 5 hours of law and ethics update (5-214), 19 elective hours
Health (02-40): 5 hours of law and ethics update (5-240), 19 elective hours
Life & Health (02-15, 02-18): 5 hours of law and ethics update (5-215), 19 elective hours
General Lines (02-20): 5 hours of law and ethics update (5-220), 19 elective hours
Personal Lines (20-44): 5 hours of law and ethics update (5-220), 19 elective hours
Customer Representative (04-40, 04-42): 5 hours of law and ethics update (5-220), 5 elective hours
Industrial Fire (02-33): 5 hours of law and ethics update (5-220), 5 elective hours
Title (04-10): 3 hours of ethics, rules, or compliance (CE9908), 7 standard hours
Public Adjusters (03-20): 5 hours of law and ethics update (5-320), 19 elective hours approved for public adjusters
All Lines Adjusters (06-20, 05-20, 70-20): 5 hours of law and ethics update (5-620), 19 elective hours
Limited Surety (Bail Bond) (02-34, 02-37): 5 hours of law and ethics update (5-237), 9 elective hours

Ensure that the law and ethics update course you take aligns with your specific Florida insurance license.

Checking Your Continuing Education Status

To check how much CE you’ve completed and what remains, log in to My Profile on the Florida Department of Financial Services website. From there, click “Click to Check CE Status” to view your current requirements.

Once you have identified the courses you need, you can find state-approved options, including the 5-hour law and ethics update, ensuring your Florida insurance license stays active.