100% Online Florida Insurance Continuing Education

Stay compliant with Florida CE rules and protect your license with simple, text‑based online courses you can finish from anywhere, at 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 get back to serving your clients.

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 at least 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), All Lines Adjusters (6-20), and 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 Florida Insurance Continuing Education requirement in One Place

Florida requires a 4‑hour Law and Ethics (Law Update) course tied to at least one of your license types every 2‑year cycle. The rest of your hours—16 or 20 for most major lines licensees—can be approved elective courses in subjects that fit your day‑to‑day work.

• Florida Insurance Continuing Education 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 meet Florida product‑specific rules while also counting toward CE.

If you hold more than one major line (for example, Life and General Lines), FLDFS still caps your total Florida Insurance Continuing Education requirement at 24 hours per cycle, so you do not need to buy extra hours you will not receive credit for.

Featured Florida CE Courses

Choose the Florida CE course or bundle that matches your license type and the number of hours you still need. Use the links below to jump straight into the most popular options.

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

• 4 hr Florida 2-20, 4-40, and 20-44 Law & Ethics Update – Satisfies the required 4‑hour Law & Ethics Update for Personal Lines, General Lines agents, and CSRs, and keeps you current on Florida P&C laws and regulations.
• 24 hr Florida Property and Casualty Complete CE Bundle – Includes the Law & Ethics Update plus enough electives for newer Property and Casualty / General Lines agents to reach their 24‑hour requirement.
• 20 hr Florida Property and Casualty Complete CE Bundle – Includes the Law & Ethics Update plus enough electives for experienced Property and Casualty / General Lines agents to reach their 20‑hour requirement.

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

• 4 hr Florida Life & Health Law & Ethics Update – Meets the 4‑hour Law & Ethics Update requirement for Life and Health licensees, with a focus on current statutes, suitability, and fair market conduct.
• 24 hr Florida Life & Health Complete CE Bundle – Includes the Law & Ethics Update plus enough electives for newer Life & Health agents to reach their 24‑hour requirement.
• 20 hr Florida Life & Health Complete CE Bundle – Includes the Law & Ethics Update plus enough electives for experienced Life & Health agents to reach their 20‑hour requirement.

Public Adjusters – 3‑20 License

• 4 hr Law and Ethics Update for 3-20 Public Adjusters, CE for 2026 – Meets the Florida 4‑hour Law & Ethics Update requirement for Public Adjusters, with a focus on current statutes and professional conduct.
• 24 hr Complete CE Bundle for 2026 – Includes the Law & Ethics Update plus enough electives for newer 3‑20 Public Adjusters to reach their 24‑hour requirement.
• 20 hr Complete CE Bundle for 2026 – Includes the Law & Ethics Update plus enough electives for experienced 3‑20 Public Adjusters to reach their 20‑hour requirement.

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

• 4 hr Law and Ethics Update for 6-20 All Lines Adjusters, CE for 2026 – Meets the Florida 4‑hour Law & Ethics Update requirement for All Lines Adjusters, with a focus on current statutes and professional market conduct.
• 24 hr Complete CE Bundle for 2026 – Includes the Law & Ethics Update plus enough electives for newer 6‑20 All Lines Adjusters to reach their 24‑hour requirement.
• 20 hr Complete CE Bundle for 2026 – Includes the Law & Ethics Update plus enough electives for experienced 6‑20 All Lines Adjusters to reach their 20‑hour requirement.

Customer Service Representative – 4‑40 License

• 4 hr Florida 2-20, 4-40, and 20-44 Law & Ethics Update – Satisfies the required 4‑hour Law & Ethics Update for Customer Service Representatives and keeps you up to date on Florida P&C laws and regulations.
• Choices of Florida CE Packages (6 Hours) – Three package options so you can choose courses based on your agency’s focus; combine a 6‑hour course with the 4‑hour P&C Law & Ethics course to complete your requirement.

Specialty Training Courses

• Florida Flood Insurance CE (NFIP 3‑Hour) – One‑time training for agents who sell or solicit flood insurance, meeting Florida’s NFIP flood course requirement.
• Florida Long‑Term Care Refresher CE – Supports the 4‑hour ongoing Long‑Term Care training requirement for agents who market LTC policies.

Why Florida Licensees Trust Our Online CE

You can complete your full Florida CE requirement with less stress, clear directions, and responsive support. We focus on straightforward, 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 your confirmation email is sent.
• Affordable pricing and value 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 bundle 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 email within minutes.
3. Log in from your computer, tablet, or phone and complete the text‑based lessons and quizzes at your own pace during 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” (such as illness, accident, or an emergency) under Rule 69B-228.230(3), F.A.C.

• Extensions must be submitted using Form DFS-H2-460 before the license renewal deadline and may not exceed 1 year.
• Good cause means a situation outside the licensee’s control, such as a serious illness, injury, or a declared emergency.
• Specific medical records or proof of emergency are required when you request an extension.
• Extensions are often granted for about 90 days but cannot go beyond a total of 1 year.
• If an extension does not apply, licensees can enter a Settlement Stipulation Agreement for a Consent Order, which usually gives 60 days to complete the CE with a $250 fine.
• Requests must be filed with the Florida Department of Financial Services (DFS).
• If you do not complete your CE and any required stipulation steps in time, all company appointments will be canceled and you will not be allowed to conduct insurance business.

• Florida will not award CE credit for any course you repeat within the same 2‑year period.
• If you sign up for an OLT course or bundle you already completed in your current compliance period, we can help you exchange it for a different course now or, if you prefer, you can take 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 work with the Department, or even a break 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 on track—with fast online access and flexible, self‑paced learning.