Florida Insurance Requirements.

Provider #363610

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Continuing Education (CE) Requirements

This information is intended to provide answers to commonly asked questions by insurance agents. It is not intended to replace detailed information found in your state’s statutes and regulations. Though we have made reasonable efforts to ensure that the information given is reliable and current, we cannot guarantee that it is. For more information please contact your state insurance department. See contact information below.

Course Level Requirements

All of Cape’s courses are intermediate level courses.   The courses have been designated by the Florida Department of Financial Services as intermediate level.  It is intended for the student who has a basic knowledge with the subject matter or who has limited experience with the subject matter.

The CE-9908 category is good for all license types including title (but not Adjuster).
For a full list of course authority designations, please click here

Continuing Education Requirements (Residents)


License Type

License Type Number

Requirements for Compliance


02-16 & 02-14

4 hours of Law and Ethics update (5-214)
20 hours of Elective credits



4 hours of Law and Ethics update (5-240)
20 hours of Elective credits

Life and Health

02-15 & 02-18

4 hours of Law and Ethics update (5-215)
20 hours of Elective credits

General Lines


4 hours of Law and Ethics update (5-220)
20 hours of Elective credits

Personal Lines


4 hours of Law and Ethics update (5-220)
20 hours of Elective credits

Customer Representative

04-40 & 04-42

4 hours of Law and Ethics update (5-220)
6 hours of Elective credits

Industrial Fire


4 hours of Law and Ethics update (5-220)
6 hours of Elective credits

Title (Resident & Non-Resident)


3 hours of Ethics, Rules or Compliance
7 hours of Standard Title (4-10)

Public Adjusters


4 hours of Law and Ethics update (5-320)
*20 hours of Elective credits

All Lines Adjusters

06-20 & 05-20 & 70-20

4 hours of Law and Ethics update (5-620)
20 hours of Elective credits

Limited Surety (Bail Bond)

02-34 & 02-37

4 hours of Law and Ethics update (5-237)
10 hours of Elective credits

*Public Adjusters (03-20) can only satisfy elective credits by taking CE courses specifically approved for Public Adjusters.
*Title agents (4-10) can only satisfy elective/standard credits by taking CE courses specifically approved for Title (CE4-10).
*The three hour ethics requirement for Title agents may be satisfied by DFS approved courses in ethics, rules, or compliance with state and federal regulations relating specifically to title insurance and closing services. The course authority for Title agent ethics is currently CE9908.


Course Subject Requirements (Residents)

•Elective hours may be taken in any approved course except for title agents and public adjusters.
• All licensees who sell flood insurance must meet the minimum training requirements established by FEMA – a one time 3 hour training course.
• All health agents must complete 8 hours of initial long term care insurance training, 2 hours of the initial 8 must be in Florida specific Long Term Care Partnership training and agents must complete 4 hours of additional training in long term care each biennial period thereafter.

• Each licensee must complete a 4-hour update course specific to their license type. When two or more licenses are held, the licensee must complete a 4-hour course specific to at least one license type held.  Below you will find a list of available course authorities for the 4-hour course and how the requirement corresponds to each license type.

#4-hour Course AuthorityCorresponding License Type

Life, Health, and Annuity 4-hour course

Life including variable annuity and health, or life and health agents (e.g. 2-15 or 2-18)


Life and Annuity 4-hour course

Life and/or annuity agents.  (e.g. 2-14 or 2-16)


Health 4-hour course

Health Agents  (e.g. 2-40)


General Lines 4-hour course

General Lines or personal lines agents, customer representatives, or limited customer representatives, and industrial fire and burglary agents. (e.g. 2-20, 20-44, 4-40, 4-42, 2-33)


Adjuster 4-hour course

Adjusters, except public adjusters.  (e.g. 5-20, 6-20).


Public Adjuster 4-hour course

Public Adjusters (e.g.3-20)


Bail Bond 4-hour course

Bail bond agents (e.g. 2-34)

Compliance Date

End of agent's birth month following the second anniversary of the first license issuance date, and biennially thereafter.

Approved Course Delivery Methods

• Independent self-study online or written courses (passing grade of 70% required on final exam)
• Classroom
• Interactive Online
• Seminar

Exam Requirements

Continuing Education self-study courses have no monitor requirement, however students are required to acknowledge their understanding that the course must be completed without assistance. Students must also acknowledge their understanding that a violation of continuing education standards shall result in an administrative sanction based on paragraph 626.611(1)(g), F.S., and the loss of course credit. 

Carryover Credits

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

Course Repetition

Courses may not be taken for credit more than once in a two-year period.

Non-Resident Requirements

• Non-resident Florida licensees who comply with the CE requirement in their resident state are exempt from Florida CE.
• Nonresident adjusters may meet the adjuster CE requirement of their resident state or any state’s CE requirement where an adjuster license is held.
• Non-resident agents must comply with the LTC training for this state or another state, which meets the NAIC LTC Model training outline.
• Non-resident Title agents are required to complete the same CE requirements as Resident Title Agents as listed above. Reciprocity for Title CE compliance is not available.


• Individuals with a limited lines license that does not have an examination requirement.
• Individuals with any of the following licenses: dental representative, motor vehicle physical damage and mechanical breakdown agent and crop hail and multiple peril crop agents.

Credit Reporting

Cape reports credits to the Florida Insurance Department within 14 days of course completion. A course completion certificate is provided for the agent’s records.


Contact Information:

If you have any questions regarding renewal or credits, please contact:

Florida Department of Financial Services
Bureau of Agent and Agent Licensing
Room 419 Larson Building
200 E. Gaines St.
Tallahassee, FL 32399-0319
Phone: 850.413.3134
Fax: 850.488.8253

Contact Cape:

Cape School, Inc.
P.O. Box 169
Buckingham, VA 23921

Phone: 800-729-7363
Fax: 888-303-1828
Or email us below


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Have Questions? Call us at #888-272-9229  or reach us by email at pat@capeschool.com