Florida Insurance Continuing Education Requirements
A Complete Guide for 2025
Florida insurance professionals-including resident producers, adjusters, and public adjusters-must complete continuing education (CE) every two years to maintain an active license. NobleCE helps you complete your CE fast with mobile-friendly courses, bundle pricing options, and instant reporting to the Florida Department of Financial Services.
What Is Insurance Continuing Education?
Continuing education consists of state-approved courses that ensure licensees stay current on ethics, Florida insurance law, product updates, and regulatory changes. CE supports ongoing professionalism and consumer protection.
Who Needs to Complete CE in Florida?
All resident producers, adjusters (including public adjusters), and bail bond agents must complete CE. Non-residents are exempt if they comply with CE in their home state. Limited-line and certain designation holders may have reduced requirements or exemptions.
Florida Insurance CE Requirements Overview
- 24 total CE hours every two years
- Includes a required 4-hour Law & Ethics Update
- Elective hours: 20 (or 16 if licensed 6+ years; 6 if highly experienced or degree-holding)
- Excess elective hours may carry forward to next cycle
- Final exams are closed-book, with no proctor required
- A 70% passing score is required on final exams and quizzes
- Unlimited exam retakes allowed
- Courses may not be repeated within two years
Special Requirements for Certain Licensees
Florida requires specific training before selling certain products:
- Annuities: One-time 4-hour Best Interest Annuity Suitability course
- Long-Term Care: Initial 8-hour LTC Partnership training, then a 4-hour refresher every two years
- Flood Insurance: One-time 3-hour NFIP course
- Hurricane Mitigation: One-hour hurricane mitigation training for property/casualty agents each cycle
These specialty courses count toward the total CE requirement when completed within the cycle.
When Is the CE Deadline in Florida?
All required CE must be completed by the last day of your birth month, every two years. Completions are reported-usually within a few business days-so it’s best to finish your courses a few weeks early.
How to Find Approved CE Courses in Florida
Only courses approved by the Florida Department of Financial Services count toward CE. NobleCE offers state-approved, mobile-friendly, self-study courses or bundles. Exams trigger automated state reporting; seat-time checks are implemented before exam access.
Step-by-Step: How to Complete Your Florida Insurance CE
- Determine your CE due date from your birth month
- Choose NobleCE’s 24-hour bundle or select individual courses
- Complete course content online at your own pace
- Take the closed-book final exam-no proctor needed
- Achieve a passing score of 70 percent; retake if necessary
- Download your certificate immediately after passing
- NobleCE reports your completion to the state-typically within 2 business days
What Happens If You Miss the CE Deadline?
If CE is not completed on time, your license becomes inactive and a late fee is assessed. You must complete the CE, pay any fees, and reinstate your license before resuming insurance activities.
CE Exemptions and Extensions
Exemptions and waivers may include:
- Non-resident licensees compliant in their home state
- Limited-line, crop/hail, or certain official agent designations
- Extensions for military service or medical hardship may be granted if requested before the deadline
- Senior licensees or degree holders may have reduced elective hour requirements
How to Check Your CE Transcript
Verify your CE record via NIPR or the Florida DFS portal. Confirm your Law & Ethics Update, elective, and specialty credits are correctly recorded. Retain certificates for at least two years for compliance.
Best Practices for Florida Insurance CE Success
Start early and take care of required updates first-Law & Ethics and specialty training. Use NobleCE’s bundle for convenience. Our closed-book exams with seat-time controls ensure integrity without needing a proctor. Confirm reporting before your renewal for a smooth process.
Stay Ahead with Florida CE Compliance
Completing CE on time protects your license and demonstrates professionalism. NobleCE offers Florida-approved courses with bundle pricing, mobile access, and fast reporting to help you complete your CE fast and confidently.
Frequently Asked Questions (FAQ)
How many hours are required in Florida
24 hours every two years, including a 4-hour Law & Ethics Update.
Are exams required
Yes. Exams are closed-book (no proctor). A 70% passing score is required and retakes are unlimited.
Can I carry forward credits
Yes. Excess elective hours may carry into the next cycle as allowed by state rules.
Do specialty courses count toward the total
Yes. Annuity, LTC, flood, and hurricane mitigation training count toward your 24-hour requirement.
Ready to Get Started?
Explore NobleCE’s Florida courses and complete your CE fast with mobile-friendly learning, bundle pricing options, closed-book exams, and instant reporting.
Disclaimer
The information provided by Noble regarding Continuing Education (CE) is intended as a courtesy and aims to be accurate and up to date. However, Noble and its employees do not guarantee the accuracy or current validity of the information. CE regulations are subject to change, so always verify details independently.
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