Whether you’re a new agent or a seasoned pro, understanding your continuing education (CE) requirements is essential to keeping your Florida insurance license active and meeting your professional responsibilities. One of the most important parts of your CE plan is the Law and Ethics requirement — here’s what you need to know.
What Florida Requires Every Two Years
In Florida, the Department of Financial Services (DFS) sets CE requirements for insurance producers and adjusters.
The Basics
- Most insurance agents must complete continuing education every two years to renew their license.
- This is typically due by the last day of your birth month in your renewal year.
Hour Requirements
The total number of CE hours depends on how long you’ve been licensed. It also varies on other factors which is why it’s essential you check your MyProfile account directly with the DFS. In most cases:
- Agents licensed less than 6 years:
You are required to complete 24 hours of CE every two years. - Agents licensed 6 years or more:
You must complete 20 hours every two years.
Important Note: Within those totals, the state mandates a specific law and ethics component. FLDFS
Law and Ethics CE: The Heart of Compliance
Every Florida insurance agent (except title agents, who have a separate requirement) must complete:
➤ A State-Approved Law and Ethics Course
This course must be 4 hours of CE and must be specific to at least one line of authority you hold (for example, Life & Health or Property & Casualty).
The law and ethics CE covers key topics such as:
- Updates to Florida insurance law and regulations
- Ethical principles
- Disciplinary trends
- Fraud, deceptive practices, advertising rules, and recordkeeping expectations
- Suitability of insurance products and client best practices
This isn’t just a checkbox. It helps you stay current on legal changes and understand the ethical duties you owe clients and the state.
How Electives Fit In
After completing the required law and ethics hours, the rest of your CE requirement can usually be filled with elective courses approved by the state.
Examples of electives include:
- Product-specific updates
- Claims handling fundamentals
Using FISCE Webinars to Meet Your CE Goals
At FISCE, we’re committed to making CE easier and more valuable for Florida agents. Our webinar schedule includes regular sessions that help you satisfy your Law and Ethics requirements and get relevant, practical insight you can apply immediately.
Here’s how FISCE helps:
- Live Law and Ethics webinars that satisfy the state-required 4 hours
- Sessions scheduled throughout the year so you can plan ahead
- Engagement with instructors for questions and real-world context
- Easy tracking of attendance and CE credits for your records
📅 Check the current FISCE webinar calendar to find upcoming Law and Ethics sessions — attending these can be a great way to tackle the requirement without having to hunt for approved courses elsewhere.
Practical Tips to Stay on Track
Plan ahead
Don’t wait until your renewal month to start CE. It’s easier to spread 20–24 hours over 24 months than cram it in at the last minute.
Keep good records
Save certificates of completion and email confirmations. If there’s ever a question about compliance, you’ll want proof you took the right courses.
Check your status early
The state allows you to check your CE status on MyProfile through the DFS site so you can see what’s been reported and what’s still needed.
Wrap-Up
Florida insurance agents must:
- Complete 20–24 hours of CE every two years, depending on how long they’ve been licensed.
- Include 4 hours of state-approved Law and Ethics CE in that requirement.
- Choose other approved topics for elective credit as needed.
- Use programs like FISCE’s webinars to efficiently meet these requirements and stay sharp.
Staying compliant doesn’t have to be stressful. With the right plan and resources — like live webinars from FISCE — you can keep your license active while reinforcing the ethical foundation of your profession.