• Approved by the Florida Department of Financial Services
• Approved Provider #374697
• Instant Access - Online Course.
• Study At Your Own Pace. Anytime.
• On Any Device. Phone, Tablet, or Computer.
• Hassle Free Navigation. Easy to Follow.
• Certificate emailed immediately upon completion.
• 1-800-698-2770 for any questions.

✅ Florida 20-Hour Life, Health & Annuity Insurance CE Package

• Includes Florida DFS-Approved Courses | Approved Provider #374697 ✅
• Only $34.99 | No Added Fees | All Reporting Fees Included
• Complete your Florida Life, Health & Annuity insurance continuing education with one affordable 20-hour online package designed for eligible agents who have been licensed for six years or more.
• This core Florida Life and Health CE package combines the required 4-Hour Law & Ethics Update under CE 5-215 with 16 hours of practical elective education covering health insurance, Medicare, life insurance, retirement income, annuities, best-interest responsibilities, suitability, taxation, senior-client protection, and ethical insurance sales.
• The package is designed primarily for eligible Florida 2-15 and 2-18 agents whose DFS MyProfile account shows CE 5-215 and a 20-hour continuing education requirement.
• Complete all five courses online and on your own schedule. You can log in and out at any time without losing your progress, receive an instant emailed certificate after completion, and have your credits reported to Florida DFS within 24 hours.

✅ One Complete 20-Hour Florida Insurance CE Package

• This package includes five Florida DFS-approved courses totaling exactly 20 hours:
• 4-Hour Law & Ethics Update — Life, Health & Annuity, CE 5-215
• 4-Hour Health Insurance & Medicare
• 4-Hour Life Insurance Fundamentals
• 4-Hour Retirement Income & Annuity Planning
• 4-Hour Annuity Best Interest/Suitability
• Total: 20 Florida insurance CE hours
• The package provides:
• 4 hours of required Law & Ethics Update education
• 16 hours of approved elective insurance education
• Five Life, Health & Annuity-focused courses
• 100% online and self-paced access
• Instant emailed certificate after completion
• Reporting to Florida DFS within 24 hours
• No added or hidden fees
• All applicable reporting fees included
• Instead of purchasing and managing five individual registrations, you can complete your Florida insurance CE through one convenient package for only $34.99.

✅ Who Should Take This Package?

• This package is designed primarily for:
• Florida 2-15 Health & Life agents, including annuities and variable contracts
• Florida 2-18 Life and Health agents
• Agents who have been licensed for six years or more
• Agents whose DFS MyProfile account assigns CE 5-215
• Agents whose MyProfile account shows a 20-hour CE requirement
• Life insurance agents who also hold health authority
• Health insurance agents who also hold life authority
• Agents working with annuities and retirement-income products
• Agents working with health insurance, Medicare, and senior clients
• Insurance professionals who want to complete all required hours online
• This package is especially useful for experienced Life, Health & Annuity agents who want broadly relevant education without adding specialized Long-Term Care Partnership training they may not currently need.

✅ Is This a Complete Florida Insurance CE Package?

• For eligible Florida 2-15 and 2-18 agents who have been licensed for six years or more and whose MyProfile account shows a 20-hour requirement, this package is designed to provide the complete CE combination:
• 4-Hour Law & Ethics Update under CE 5-215
• 16 hours of approved elective continuing education
• 20 total Florida insurance CE hours
• Florida assigns continuing education requirements individually. Before enrolling, check your DFS MyProfile CE Status page to confirm:
• Your license is assigned CE 5-215
• Your current total requirement is 20 hours
• You have not already completed one of the included courses within the previous two years
• You do not qualify for a lower CE requirement
• Agents licensed for fewer than six years generally have a 24-hour requirement and should consider the Florida 24-Hour Life, Health & Annuity CE Package instead.

✅ Important License-Type Information

• This package is specifically built around the CE 5-215 Law & Ethics Update.
• CE 5-215 generally applies to:
• Florida 2-15 Health & Life agents, including annuities and variable contracts
• Florida 2-18 Life and Health agents
• This package may not be the correct complete package for:
• Florida 2-14 or 2-16 Life and Annuity-only agents, who are generally assigned CE 5-214
• Florida 2-40 Health-only agents, who are generally assigned CE 5-240
• If you hold multiple Florida insurance licenses, review your MyProfile account to determine which four-hour Law & Ethics Update has been assigned to your current compliance period.

✅ Florida CE Requirements for Agents Licensed Six Years or More

• Florida insurance agents must complete a four-hour update course specific to their license during each applicable two-year compliance period.
• For eligible 2-15 and 2-18 agents, that update course is generally CE 5-215.
• Agents who have been licensed for six years or more generally need:
• 4 hours of Law & Ethics Update education under CE 5-215
• 16 hours of approved elective continuing education
• 20 total hours every two years
• This package provides that exact four-hour plus 16-hour combination.
• Some experienced licensees may qualify for an additional reduction based on years licensed, qualifying professional designations, or insurance-related education. Always rely on the current requirement shown in your MyProfile account.

✅ When Is Florida Insurance CE Due?

• Florida insurance continuing education is generally due every two years during the licensee’s birth month.
• Your exact CE compliance deadline is displayed in your Florida DFS MyProfile account. MyProfile also shows:
• Your required Law & Ethics Update authority
• Your total required CE hours
• Courses and credits already completed
• Remaining elective hours
• Whether reported credits have posted
• Complete your courses before the deadline so there is enough time for your credits to be reported and reflected on your transcript.

✅ How to Maintain Your Florida Insurance License

Florida insurance agent licenses are generally perpetual rather than renewed through a traditional two-year license-renewal application. However, agents must complete their assigned continuing education and maintain any required appointment to remain compliant.

Step 1: Check Your DFS MyProfile Account

• Review your CE Status page and confirm:
• Your license type
• Your compliance deadline
• Your required number of hours
• Whether CE 5-215 is assigned
• Courses already completed during the current cycle

Step 2: Confirm That You Need 20 Hours

Make sure MyProfile shows a 20-hour total requirement consisting of CE 5-215 and 16 elective hours.

Step 3: Enroll in This Package

Register once and receive access to all five included courses.

Step 4: Complete the Courses Online

Work through each course on your own schedule. You may log in and out whenever needed without losing your progress.

Step 5: Receive Your Instant Emailed Certificate

Your certificate is emailed immediately after you complete the applicable course requirements.

Step 6: We Report Your Credits to Florida DFS

We report completed course credits to Florida DFS within 24 hours.

Step 7: Confirm That the Credits Have Posted

Return to your MyProfile CE Status page and verify that all completed hours appear on your transcript.

Step 8: Maintain Your Required Appointment

Make sure you remain properly appointed for the insurance activities you conduct.

✅ Courses Included in This Package

✅ 1. 4-Hour Law & Ethics Update — Life, Health & Annuity, CE 5-215

• This required update course reviews the Florida laws, regulatory responsibilities, licensing standards, ethical obligations, and enforcement trends affecting Life, Health & Annuity agents.
• Course topics include:
• Florida Department of Financial Services
• Florida Office of Insurance Regulation
• Florida Office of Financial Regulation
• Licensing and appointment requirements
• Insurance agency licensing
• Duties of licensed and unlicensed personnel
• Advertising and recordkeeping requirements
• Department communications
• Insurance guaranty associations
• Recent Florida insurance-law updates
• Applicable federal-law developments
• Florida insurance ethics rules
• Product knowledge and suitability
• Ethical marketing practices
• Unfair or deceptive insurance practices
• Unauthorized products and entities
• Disciplinary and enforcement trends
• DFS Course #138881
• Course Offer ID #1241752

✅ 2. 4-Hour Health Insurance & Medicare

• This course provides a practical review of health insurance and Medicare concepts for agents serving individuals, families, seniors, and employer groups.
• Course topics include:
• Health insurance cost and coverage terminology
• Deductibles, copays, coinsurance, and out-of-pocket limits
• HMO, PPO, EPO, and POS plans
• Major medical insurance
• Affordable Care Act fundamentals
• Networks and provider arrangements
• Limited-benefit and supplemental products
• Individual and group health insurance
• Medicare eligibility and enrollment
• Medicare Parts A and B
• Medicare Advantage
• Medicare Part D prescription drug coverage
• Medicare Supplement policies
• Enrollment periods and late penalties
• Medicare marketing requirements
• Senior-client protection and suitability
• Required disclosures and HIPAA privacy
• Claims, appeals, and grievances
• DFS Course #138883
• Course Offer ID #1241601

✅ 3. 4-Hour Life Insurance Fundamentals

• This course reviews the primary forms of life insurance and the professional responsibilities involved in recommending, delivering, and servicing life insurance policies.
• Course topics include:
• The purpose of life insurance
• Insurable interest
• Term life insurance
• Whole life insurance
• Universal life insurance
• Variable universal life insurance
• Policy provisions and riders
• Nonforfeiture options
• Applications and underwriting
• Free-look periods
• Life insurance needs analysis
• Beneficiary designations
• Settlement options
• Life insurance taxation
• Buy-sell and key-person planning
• Estate-planning uses
• Policy replacement and Section 1035 exchanges
• Suitability and best-interest considerations
• Twisting, churning, and misrepresentation
• Senior and vulnerable-client protection
• DFS Course #138879
• Course Offer ID #1241611

✅ 4. 4-Hour Retirement Income & Annuity Planning

• This course focuses on retirement-income challenges, annuity products, Florida best-interest standards, suitability, taxation, servicing, and ethical retirement planning.
• Course topics include:
• Retirement-income planning
• Longevity risk
• Sources of retirement income
• Qualified and nonqualified accounts
• Sequence and market risks in retirement
• Retirement-income needs analysis
• Annuity accumulation and payout concepts
• Fixed annuities
• Fixed indexed annuities
• Variable annuities
• Income annuities and payout options
• Annuity riders and fees
• Florida’s annuity best-interest standard
• Suitability documentation
• Replacement and Section 1035 exchange ethics
• Required disclosures and illustrations
• Taxation of annuities and retirement distributions
• Ongoing client reviews
• E&O prevention in annuity and retirement sales
• DFS Course #138878
• Course Offer ID #1241612

✅ 5. 4-Hour Annuity Best Interest/Suitability

• This focused course reviews Florida’s annuity best-interest requirements and the responsibilities producers must follow when recommending annuity products.
• Course topics include:
• The annuity best-interest framework
• Consumer-profile information
• Care, disclosure, conflict, and documentation duties
• Suitability compared with best interest
• Producer and insurer responsibilities
• Product-feature and risk disclosures
• Compensation and material conflicts
• Annuity replacements
• Section 1035 exchanges
• Senior and vulnerable-adult protections
• Fixed, indexed, and variable annuities
• Guaranteed withdrawal and income riders
• Surrender charges and market-value adjustments
• Fees, expenses, and opportunity costs
• Tax considerations
• Advertising and insurer supervision
• Prohibited sales practices
• Florida Statute 627.4554
• Florida disclosure and acknowledgment forms
• DFS Course #136901
• Course Offer ID #1236231

✅ Important Annuity Training Information

Florida agents who sell annuity products must complete a one-time four-hour annuity training course.

The included 4-Hour Annuity Best Interest/Suitability course is designed to address Florida’s annuity training requirement while also providing approved continuing education credit.

Agents should confirm their current annuity-training status before selling annuity products. Insurers may also require separate carrier or product-specific training before allowing an agent to sell their annuity contracts.

✅ What You Will Learn

• This five-course package gives experienced Florida Life, Health & Annuity agents a broad review of the products, laws, planning concepts, and ethical responsibilities that affect their work.
• Major subject areas include:
• Florida insurance law and regulation
• Licensing, appointments, advertising, and recordkeeping
• Ethics, suitability, and best-interest responsibilities
• Health insurance plan structures
• Affordable Care Act concepts
• Medicare Parts A, B, C, and D
• Medicare Supplement insurance
• Health insurance marketing and disclosure rules
• Term, whole, universal, and variable life insurance
• Life insurance underwriting and needs analysis
• Beneficiaries, taxation, and policy replacement
• Retirement-income challenges and longevity risk
• Fixed, indexed, and variable annuities
• Annuity income options, riders, and fees
• Florida annuity best-interest requirements
• Senior and vulnerable-client protection
• Consumer disclosures and documentation
• Claims, appeals, grievances, and client service
• E&O prevention and compliance recordkeeping

✅ Save $44.96 With This Package

• Purchased separately, the five included courses would cost:
• 4-Hour Law & Ethics Update — $15.99
• 4-Hour Health Insurance & Medicare — $15.99
• 4-Hour Life Insurance Fundamentals — $15.99
• 4-Hour Retirement Income & Annuity Planning — $15.99
• 4-Hour Annuity Best Interest/Suitability — $15.99
• Total individual price: $79.95
• Package price: $34.99
• Your total savings: $44.96
• There are no added fees, and all applicable reporting fees are included in the package price.

✅ Why Choose 1st Choice CE?

• Includes five Florida DFS-approved courses
• Approved Provider #374697
• Designed for eligible Florida 2-15 and 2-18 agents licensed six years or more
• Required CE 5-215 Law & Ethics Update included
• 16 hours of approved elective education included
• Annuity best-interest training included
• Only $34.99
• Save $44.96 compared with individual course prices
• No added or hidden fees
• All reporting fees included
• 100% online and self-paced
• Log in and out without losing your progress
• Instant emailed certificate after completion
• Completion reported to Florida DFS within 24 hours
• Money-back guarantee
• More than 10 years of trusted continuing education service
• Phone or text support at 1-800-698-2770

✅ Enroll Now – Complete All 20 Hours for Only $34.99

Complete your Florida Life, Health & Annuity insurance CE through one convenient online package. Get the required CE 5-215 Law & Ethics Update, 16 hours of relevant elective education, annuity best-interest training, instant certification, fast DFS reporting, and no added fees.

✅ Included Courses With Individual Links

• 4-Hour Law & Ethics Update — Life, Health & Annuity, CE 5-215 — $15.99
• 4-Hour Health Insurance & Medicare — $15.99
• 4-Hour Life Insurance Fundamentals — $15.99
• 4-Hour Retirement Income & Annuity Planning — $15.99
• 4-Hour Annuity Best Interest/Suitability — $15.99

✅ Need the Full 24-Hour Life, Health & Annuity Package?

• Agents licensed for fewer than six years generally need the standard four-hour update plus 20 elective hours, for a total of 24 hours.
• Florida 24-Hour Life, Health & Annuity CE Package — $39.99
• The 24-hour package includes all five courses listed above plus the 4-Hour Ongoing Long-Term Care Insurance Partnership Training course.

✅ Optional Long-Term Care Training

• Agents who need ongoing Long-Term Care Insurance Partnership training can add the following course separately:
• 4-Hour Ongoing Long-Term Care Insurance Partnership Training — $15.99
• This is an ongoing LTC Partnership training course. Agents who have not completed required initial LTC training should not use it as a substitute for initial training.

✅ Frequently Asked Questions

Is this package approved by the Florida Department of Financial Services?

The five individual courses included in this package are approved by Florida DFS. 1st Choice Continuing Education is Approved Provider #374697.

How many CE hours are included?

The package includes 20 total hours of Florida insurance continuing education.

Who is this package designed for?

It is designed primarily for eligible Florida 2-15 and 2-18 agents who have been licensed for six years or more and whose MyProfile account shows CE 5-215 and a 20-hour requirement.

Does this package include the required Law & Ethics Update?

Yes. The package includes the 4-Hour Law & Ethics Update under course authority CE 5-215.

How many elective hours are included?

The package includes 16 hours of approved elective insurance education.

Why is this package intended for agents licensed six years or more?

Florida generally reduces the elective requirement from 20 hours to 16 hours after a licensee has been licensed for six or more years. Combined with the four-hour update, this creates a 20-hour total requirement.

What if I have been licensed for fewer than six years?

Agents licensed for fewer than six years generally need a four-hour Law & Ethics Update plus 20 elective hours, for a total of 24 hours. The Florida 24-Hour Life, Health & Annuity CE Package may be more appropriate.

Is this package correct for Florida 2-15 agents?

Yes, provided the agent’s MyProfile account shows CE 5-215 and a 20-hour total requirement.

Is this package correct for Florida 2-18 agents?

Yes, provided the agent’s MyProfile account shows CE 5-215 and a 20-hour total requirement.

Is this package correct for a Florida 2-14 or 2-16 agent?

Not usually as a complete package. Florida Life and Annuity-only agents are generally assigned CE 5-214 rather than CE 5-215. Check MyProfile before enrolling.

Is this package correct for a Florida 2-40 Health agent?

Not usually as a complete package. Florida Health-only agents are generally assigned CE 5-240 rather than CE 5-215.

Does the package include Florida annuity training?

Yes. It includes the 4-Hour Annuity Best Interest/Suitability course, which is designed to address Florida’s one-time annuity training requirement while also providing approved CE credit.

Does the annuity course replace carrier training?

No. Insurance carriers may require separate product-specific training or certification before an agent sells their annuity products.

Does this package include Long-Term Care Partnership training?

No. This core 20-hour package does not include LTC Partnership training. The ongoing four-hour LTC course is available separately, or it is included in the 24-hour package.

Can all 20 hours be completed online?

Yes. All five included courses are online and self-paced.

Can I log in and out without losing my progress?

Yes. Your progress is saved so you can return and continue where you stopped.

Will I receive a certificate?

Yes. You receive an instant emailed certificate after completing the applicable course requirements.

Do you report my credits to Florida DFS?

Yes. Completed credits are reported to Florida DFS within 24 hours.

Does the $34.99 price include reporting fees?

Yes. There are no added fees, and all applicable reporting fees are included.

How much would the courses cost separately?

The five courses would cost $79.95 if purchased individually. The package costs $34.99, saving you $44.96.

When is Florida insurance CE due?

Florida insurance CE is generally due every two years during the licensee’s birth month. Check MyProfile for your exact compliance date.

Can I repeat a course I recently completed?

Florida generally does not award continuing education credit when the same course is repeated within two years. Review your transcript before enrolling.

Does completing this package automatically renew my license?

Florida insurance agent licenses are generally perpetual. This package provides applicable continuing education credit, but you remain responsible for confirming compliance in MyProfile and maintaining any required appointment.

Is there a money-back guarantee?

Yes. This package is backed by our money-back guarantee.

• Approved by the Florida Department of Financial Services
• Approved Provider #374697
• Instant Access - Online Course.
• Study At Your Own Pace. Anytime.
• On Any Device. Phone, Tablet, or Computer.
• Hassle Free Navigation. Easy to Follow.
• Certificate emailed immediately upon completion.
• 1-800-698-2770 for any questions.