4hr Law & Ethics Update PC1 – Property and Casualty 2025 (INSCE019FL5k)

This 2025 class satisfies the requirement that agents complete a 4-hour Law & Ethics update course every 2 years, which is specific to the license held by the licensee and covers industry law updates, premium discounts, ethics, disciplinary trends, industry trends, and suitability of insurance products.  It is designed as a self-paced course done entirely online at your convenience and includes four multiple-choice Unit Quizzes and one Final Exam.

After completing and passing the entire online course, you will receive 4 hours credit for your mandatory 4-hour Law and Ethics Update (5-220) requirement, plus one hour of general elective credit. This course is offered and developed by OnLine Training and is approved by the Florida Department of Financial Services. This Law & Ethics Update course is applicable to and usable by 2-20, 2-33, 4-40, 4-42, and 20-44 Agents.

No classroom attendance required. Earn your credits completely online in our virtual classroom!

Course Provider: OnLine Training, Inc. 
FLDFS Provider #: 366468
FLDFS Course Approval #: 132224
FLDFS Course Offering #: 1211515
OLT Course #: INSCE019FL5k

Course Authority:

CE 5-220 Law and Ethics Update – General Lines – 4 hours
CE 2-20 General Lines (Property and Casualty) – 1 hour
This course is also acceptable for 4-40 and 20-44 licensees.

This annual course expires: 12/31/2025

4-HOUR LAW AND ETHICS UPDATE 6-20 ADJUSTERS (2025)

(5-620) INSCE024FL10k

This course is designed as a continuing education course for claims adjusters (not including public adjusters) that will meet the Florida Department of Financial Services (FLDFS) required 4-hour Update course on Law and Ethics that is required for renewal of your license. This course has been approved by the FLDFS for ten (10) hours of insurance continuing education credit. It has been approved for 4hrs of CE credits for CE05620 Law and Ethics Update – Adjuster (CE 5-620) PLUS an additional six (6) hours of CE 3-24c Adjuster Optional (good for your other general elective credits) for a total of ten (10) hours of CE credit.

The course content is prescribed by the Department syllabus for Adjusters with the 6-20 licenses and includes 7 units as follows:

1. Regulatory awareness
2. Licensing requirements
3. Other state requirements
4. Department communications and the state guaranty association
5. Insurance laws and update
6. Ethical requirements
7. Disciplinary and industry trends

Course Provider: OnLine Training, Inc. 
FLDFS Provider #: 366468
FLDFS Course Approval #: 132360
FLDFS Offering #: 1211691
OLT Course #: INSCE024FL10k

Authority: 10 hours:
CE 5-620 – Law and Ethics Update – Adjuster (4 hours)
CE 3-24c – Adjuster Optional (6 hours general elective credits)

Note: This annual course expires on 12/31/2025

This class satisfies the requirement that Public Adjusters complete a 4-hour update course specifically approved for Public Adjusters every 2 years, which is specific to the license held by the licensee, and covers Regulatory awareness, Licensing requirements, Insurance laws, Ethical requirements, Disciplinary and industry trends, and more. The course includes six multiple-choice Unit Quizzes and one Final Exam.  It is designed as a self-paced course done entirely online at your convenience.

Welcome to the online Law and Ethics Update 3-20 – Public Adjusters. This single course has been approved for 13 hours of continuing education insurance credit by the Florida Department of Financial Services. This course is designed specifically as a CE course for public adjusters that will meet the Department’s required 4-hour update course on law and ethics that is required for renewal of your license. In addition to the required 4-hour Law and Ethics outline material that is covered, additional material that a Public Adjuster needs to know has been added to the course and approved as part of your General Elective CE credits. Upon successful completion of this course, you will receive 4 hours of credit for your 4-hour Law and Ethics requirement, plus 9 hours of general elective credit, for a total of 13 hours of CE credit.

Course Provider: OnLine Training, Inc. 
FLDFS Provider #: 366468
Course Approval #: 132444
Course Offering Approval #: 1212142

Note: This course expires on 12/31/2025

Authority: 13 hours divided into:
CE 3-20c – Public Adjuster – Optional (9 hours)
CE 5-320 – Law and Ethics Update – Public Adjuster (4 hours)

This class satisfies the requirement that 2-14, 2-15 and 2-40 Agents complete a 4-hour update course every 2 years, which is specific to the license held by the licensee and covers industry law updates, premium discounts, ethics, disciplinary trends, industry trends, and suitability of insurance products.  It is designed as a self-paced course done entirely online at your convenience.

This 2024 edition of the course has been approved by the Florida Department of Financial Services for insurance continuing education credit. You will receive 4 hours credit for your mandatory 4-hour Law and Ethics Update requirement (CE 5-215), PLUS 1 hour of general elective credit, for a total of 5 hours of CE credit. No classroom attendance required. Earn your credits completely online in our virtual classroom!

Course Provider: OnLine Training, Inc. 
FLDFS Provider #: 366468
Course Approval #: 132516
Course Offering #: 1213215
OLT Course #: INSCE018FL5k

Course Authority:
CE 5-215 Law and Ethics Update – LHV – 4 hours
CE 2-15 Life, Health and Variable Annuities (general elective) – 1 hour

This course is also acceptable for the 2-14 and 2-40 licensee.

Note: This annually approved course expires on December 31, 2025.

Types and rates of health care insurance coverage have changed considerably in the last 50 – 60 years.  From the 1960s through the 1980s, the principal type of group health insurance was indemnity insurance. Its benefit design required covered individuals to pay a portion of provider billed charges after meeting an annual deductible.

From the 1980s forward, indemnity coverage was replaced by managed care.  Health care providers (physicians and hospitals, etc.) were required to accept and share in the financial risk. It also was more precise in defining the benefits that were covered and introduced wellness and prevention programs.

   In the early 2000’s employers began using Consumer Directed Health Plans for both cost-savings and cost-containment. Basically, they are an approach that includes employees (the consumers) in making decisions about their health care.

   The purpose of this course is two-fold:

1. To study what Consumer Directed Health Plans are, how they work, and the pros and cons of owning them; and
2. To explore their perspective marketplaces