Florida Insurance Producer CE Requirements, Explained
Last reviewed June 2026 against the official sources linked below. Requirements change — always confirm with your board before relying on them.
Total hours
24 hours per term (20 after 6 years)
Renewal cycle
Every 2 years
Ethics requirement
4-hr Law and Ethics Update (within the total)
Issued by
FL Department of Financial Services
Florida ties your continuing education to how long you have held a license, which trips up agents who assume the number never changes. For your first six years, you need 24 hours every two-year cycle. After that, the total drops to 20 hours - but the mandatory Law and Ethics Update never goes away.
The Florida Department of Financial Services (DFS), Division of Agent and Agency Services, runs licensing here. Your hours are tracked in your MyProfile account, and your compliance cycle is pegged to your birth month - not the calendar year.
The base requirement: 24 hours, then 20
Under Florida Statute 626.2815, agents licensed less than six years complete 24 hours per two-year cycle: a 4-hour Law and Ethics Update plus 20 elective hours. Once you have been licensed six years or more, the total falls to 20 hours - the same 4-hour update plus 16 electives. Highly tenured agents (25+ years) holding a CLU, CPCU, or a qualifying insurance degree can reduce electives further, but the 4-hour update is always required.
The Law and Ethics Update is line-specific
- Every cycle you must take a 4-hour Law and Ethics Update approved for your license type - a Life and Health update will not satisfy a Property and Casualty license, and vice versa.
- Dually licensed producers (for example, both Life/Health and P&C) have their requirements merged into one 24-hour compliance cycle - you do not double up on hours.
- Your CE is due by the end of your birth month every two years; the requirement appears in MyProfile once generated.
- Florida will not grant credit for the same course taken again within a two-year period.
Stop tracking this in a spreadsheet
Progress rings per requirement, private certificate storage, deadline reminders, and a one-click audit packet. Set up in two minutes — free for your first license.
Start tracking — freeCarryover and the multi-state reality
Florida lets you carry up to 24 excess approved CE hours into your next cycle, so a strong year is not wasted. The catch is proof - carryover and audits both depend on having certificates on hand. And if you also hold licenses in other states, each one runs on its own clock with its own ethics rules, which is exactly where a single dashboard earns its keep.
How CredTally keeps this on autopilot
- Track your total hours with a dedicated bucket for the 4-hour Law and Ethics Update - the dashboard shows each separately, and adjusts the total when you cross the 6-year mark.
- Multi-state producers: every license gets its own card, deadline, and reminders, so Florida's birth-month cycle never collides with another state's clock.
- Store every certificate with the course it proves, so carryover claims and DFS reviews are a download, not a hunt.
- Reminders at 90, 60, 30, and 7 days before each license's deadline, with your remaining hours front and center.
- Export a dated PDF packet - summary plus every certificate - for an audit or carrier review in one click.
Frequently asked questions
How many CE hours do Florida insurance agents need?
Twenty-four hours every two years if you have been licensed less than six years, dropping to 20 hours once you pass six years. Both totals include a 4-hour Law and Ethics Update.
Is the Florida ethics requirement 4 or 5 hours?
It is a 4-hour Law and Ethics Update each two-year cycle, approved for your specific license type. Some older provider materials still reference 5 hours, but DFS now requires 4.
When is Florida insurance CE due?
By the end of your birth month, every two years. Your exact compliance date appears in your MyProfile account.
Can I carry over extra CE hours in Florida?
Yes - up to 24 excess approved hours can carry forward into your next compliance cycle, as long as you can document them.
Official sources
CredTally is a record-keeping tool and is not affiliated with any licensing board. This guide is general information, not legal or compliance advice.
CredTally tracks all of this for you
Progress rings per requirement, private certificate storage, deadline reminders, and a one-click audit packet. Set up in two minutes — free for your first license.
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