Florida Insurance CE Requirements (2026)
Florida insurance agents must complete 24 hours of continuing education every 2 years to renew their license.
Quick Summary
CE Hour Breakdown
Florida requires insurance agents to complete their CE credits in specific categories. Here is the full breakdown:
| Category | Hours |
|---|---|
law ethics 4-Hour Law and Ethics Update (mandatory course) | 4 |
elective General insurance CE in any approved line | 20 |
| Total | 24 |
Important Details
24 hours every 2 years for producers licensed under 6 years; 20 hours for those licensed 6+ years. The 4-Hour Law & Ethics Update is a mandatory DFS-curriculum course each cycle. No renewal fee beyond CE course costs. $250 penalty for non-compliance. Excess hours (not ethics) may carry over.
Tips for Florida Insurance Agents
- Start your CE credits early in the renewal cycle. Do not wait until the last few months.
- Keep copies of all CE certificates. The board may audit your records at any time.
- Make sure your CE provider is approved by the Florida Department of Financial Services before enrolling.
- Use InsureCE to track your hours by category so you know exactly where you stand.
- Consider completing required categories first, then fill in electives.
How to Renew Your Florida Insurance License
Follow these steps to renew your insurance license in Florida:
- Check your expiry date
Log in to the Florida Department of Financial Services website or check your physical license to find your expiration date. Mark it on your calendar so you do not miss it.
- Complete your 24 required CE credits
Finish all 24 CE credits from board-approved providers before your license expires. Use InsureCE to track your progress by category.
- Visit the Florida Department of Financial Services website
Go to the board's online renewal portal. Most states allow you to renew entirely online.
- Pay the $0 renewal fee
Submit your renewal fee online by credit card or electronic check. Keep your payment confirmation for your records.
- Save your confirmation
Download or print your renewal confirmation. Your updated license or pocket card will arrive by mail or be available for download within a few weeks.
State Board Information
- Board Name
- Florida Department of Financial Services
Frequently Asked Questions
How many CE credits do insurance agents need in Florida?
Florida requires 24 continuing education hours every 2 years.
How much does it cost to renew a insurance license in Florida?
The renewal fee for a Florida insurance license is $0.
What is the renewal cycle for Florida insurance licenses?
Florida insurance licenses renew every 2 years.
Can I do my Florida insurance CE credits online?
Most states accept online CE courses from board-approved providers. Check with the Florida Department of Financial Services to confirm which online providers are approved in Florida.
Where do I renew my insurance license in Florida?
You can renew through the Florida Department of Financial Services website. Most renewals are available online.
What happens if my Florida insurance license expires?
Practicing with an expired license in Florida can result in fines or disciplinary action. Most states have a grace period of 30 to 90 days where you can still renew with a late fee. After that, reinstatement may require additional hours and fees.
What are the approved CE providers in Florida?
Florida maintains a list of approved continuing education providers through the Florida Department of Financial Services. Always verify that your CE provider is board-approved before enrolling to make sure your hours count toward renewal.
How long does Florida insurance license renewal take?
Online renewals through the Florida Department of Financial Services are typically processed within a few business days. Allow extra time if you are renewing by mail or if your renewal requires document review.
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