TL;DR; Stay compliant with Florida CE rules and protect your license with streamlined, text‑based online courses you can complete from anywhere, any time. Our Florida‑approved CE bundles are built to match state requirements by license type, experience level, and renewal cycle, so you can meet every rule in one place and move on with your business.

What Florida Insurance Professionals Must Do

Florida resident major lines agents must complete state‑approved Continuing Education every 2 years, by the last day of their birth month, once they have been licensed for 24 months. There are no separate renewal applications or renewal fees—keeping your license active simply means finishing your required CE hours on time.

  • Major lines licenses include Life (2-14), Life & Health (2-15, 2-40), General Lines (2-20), Personal Lines (20‑44), and All Lines Adjusters (6-20), or Public Adjusters (3-20) .
  • Agents licensed 6 or more years need 20 total CE credits every 2‑year period.
  • Agents licensed less than 6 years need 24 total CE credits every 2‑year period.
  • Customer Service Representatives (4‑40 ) need 10 total CE credits every 2‑year period.

Meet Every Required Florida Course in One Place

Florida requires a 4‑hour Law and Ethics (Law Update) course specific to at least one of your license types every 2‑year cycle. The remaining hours—16 or 20 for most major lines licensees—can be taken as approved elective courses in topics that match your practice.

  • Bundles that include the required 4‑hour Law & Ethics Update for your line (General Lines, Life & Health, etc.).
  • Enough elective hours to reach your full 20‑ or 24‑hour requirement based on how long you have been licensed.
  • Options for CSR licenses that provide the 10 hours needed, including the required Law & Ethics for General Lines.
  • Special training courses for Flood, Long‑Term Care, and Annuities that satisfy Florida product‑specific rules while also counting toward CE.

If you hold more than one major line (for example, Life and General Lines), Florida still caps your total requirement at 24 hours per cycle, so you never need to over‑buy contact hours you do not need.

Featured Florida CE Courses

Choose the Florida CE course or bundle that matches your license type and remaining hours. Below are direct links to popular options so you can get started quickly.

General Lines (Property & Casualty) – License 2‑20 & 20‑44

Life and Health – Licenses 2‑14, 2‑15, & 2‑40

Public Adjusters – 3-20 License

All Lines Adjusters – 6-20 License (includes Public Adjuster Apprentice)

Customer Service Representative – 4‑40 License

  • 4 hr Florida 2-20, 4-40, and 20-44 licensees Law & Ethics Update – Satisfies the required 4‑hour Law & Ethics Update for Customer Service representatives, and keeps you current on Florida P&C laws and regulations.
  • 10 hr Complete CE Bundle for 2026  - This 10-hour online CE bundle is designed for Florida CSRs who want to complete all of their state‑required continuing education quickly, easily, and at a great value. It combines the mandatory 4-hour Law & Ethics Update with 6 hours of timely elective topics so you can stay compliant and up to date without any classroom attendance.
  • Additional Choices of  Florida CE Packages (6 Hours) – 3 additional choices for CE Packages. You choose depending on where your agency specializes. Add a 6 hour course and the required 4 hour P&C Law and Ethics course. 

Specialty Training Courses

Why Florida Licensees Trust Our Online CE

Complete your entire Florida CE requirement with less stress, clear instructions, and responsive support. We focus on simple, accessible online learning so you can stay compliant and protect your income.

  • All Florida Continuing Education courses are state‑approved.
  • 100% online, text‑based lessons with quizzes and final exams you can complete from any device, 24/7.
  • Immediate access as soon as your payment is processed and you receive your automated email confirmation.
  • Affordable pricing and value‑driven bundles so you can finish all your hours in one place.
  • Courses designed to help you stay current with Florida laws, regulations, and product trends.

How Florida Online CE Courses Work

  1. Choose the individual course or bundled package that matches your Florida license and the number of hours you still need.
  2. Purchase online using a credit or debit card (or PayPal) and receive your login details by automated email within minutes.
  3. Log in from your computer, tablet, or phone and complete the text‑based lessons and quizzes at your own pace within your access period.
  4. Finish the final exam, and your completion is recorded and reported according to Florida rules, with proof of completion for your records.

Important Florida Rules to Know

  • You must complete all required CE by the last day of your birth month in your 2‑year cycle; there is no automatic grace period.
  • Florida insurance agents may request a Continuing Education (CE) extension for "good cause" (e.g., illness, accident, or emergency) under Rule 69B-228.230(3), F.A.C..
    • Extensions must be submitted via Form DFS-H2-460 priorto the license renewal deadline and may not exceed 1 year. 
    • Key Details for Florida CE Extensions:
      • Good Cause Definition: Situations beyond the control of the licensee, such as disabling illness, injury, or, if applicable, a declared emergency.
      • Documentation: Specific medical documentation or proof of emergency is required at the time of the request. 
      • Extension Duration: Generally, a 90-day extension may be granted, but extensions cannot exceed a total of 1 year. 
      • Non-Compliance Option: If an extension is not applicable, licensees can enter a Settlement Stipulation Agreement for a Consent Order, typically allowing 60 days to complete, with a $250 fine. 
      • Submission: Requests must be filed with the Florida Department of Financial Services (DFS).
      • If you do not complete your CE and required stipulation steps within the allowed timeframe, all of your company appointments will be canceled and you will not be able to transact insurance business.
  • Florida will not award CE credit for any course you repeat within a 2‑year period. If you enroll in an OLT course or bundle that you have already completed in your current compliance period, we will, at your discretion, either help you exchange it for a different course now or give you the option to complete it after this period ends.
  • Up to 24 extra CE credits can carry over to your next 2‑year period if you complete more than the minimum required.

Stay Compliant, Protect Your License and Income

Missing a CE deadline can lead to late fees, extra steps with the Department, or even a lapse in your ability to write business. Enroll in your next Florida CE course or bundle today to stay compliant, avoid renewal surprises, and keep your income moving forward—with the convenience of fast online access and flexible, self‑paced learning.