• Approved by the Florida Department of Financial Services
• Approved Provider #374697
• Approved Course #138881
• 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.

✅ 4-Hour Law & Ethics Update — Life, Health & Annuity (CE 5-215) – Florida

• Approved by the Florida Department of Financial Services (DFS) ✅
• Provider #374697 | School Official ID #374697 | Course #138881 | Course Offer ID #1241752
• Only $15.99 | Instant Emailed Certificate | 100% Online & Self-Paced
• Complete Florida’s required 4-Hour Law & Ethics Update for Life, Health & Annuity insurance agents entirely online. This Florida DFS-approved CE 5-215 course reviews current insurance laws, regulatory responsibilities, licensing and appointment requirements, ethical standards, product suitability, consumer protection, unfair insurance practices, enforcement activity, and important industry developments.
• The course follows the curriculum framework prescribed by the Florida Department of Financial Services for the Life, Health & Annuity Law & Ethics Update. It is designed for agents whose DFS MyProfile account shows CE 5-215 as their required four-hour update course.
• You can complete the course online at your own pace, log in and out without losing your progress, and receive an instant emailed certificate after completion. We report your course credit to Florida DFS within 24 hours.

✅ Who Should Take This Course?

• This course is intended for Florida insurance professionals whose continuing education requirement includes the Life, Health & Annuity Law & Ethics Update under course authority CE 5-215.
• This course is a good fit for:
• Florida 2-15 Health & Life agents, including annuities and variable contracts
• Florida 2-18 Life and Health agents
• Life, Health & Annuity agents who need the required four-hour Law & Ethics Update
• Agents completing their biennial Florida insurance CE requirements
• Professionals who sell or service life insurance, health insurance, annuities, or related products
• Agents who want current training on Florida insurance laws, ethical sales practices, suitability, consumer protection, licensing, and regulatory enforcement
• Busy professionals who prefer an online, self-paced course
• Check your Florida DFS MyProfile account to confirm that CE 5-215 is the correct Law & Ethics Update authority assigned to your license.

✅ Is CE 5-215 Required for Florida Life, Health & Annuity Agents?

Florida Life and Health agents must complete a four-hour Law & Ethics Update course specific to their license authority during each applicable continuing education compliance period.

This DFS-approved course is specifically identified as:

Course Authority: CE 5-215
Course Number: 138881
Course Offer ID: 1241752

The four hours earned from this course apply toward your total Florida insurance continuing education requirement.

This course is intended for agents whose MyProfile account lists CE 5-215. Agents with a different license authority may be assigned a different four-hour update, such as CE 5-214 for Life and Annuity, CE 5-240 for Health, or CE 5-220 for General Lines.

✅ Florida Life, Health & Annuity Continuing Education Requirements

• Florida resident Life and Health agents are generally assigned 24 hours of continuing education every two years. The standard requirement includes:
• 4 hours of Law & Ethics Update education specific to the agent’s license
• 20 hours of approved elective continuing education
• Some licensees may qualify for a reduction in the number of elective hours based on experience, professional designations, or other qualifying criteria. The license-specific four-hour Law & Ethics Update may still be required.
• Your exact requirement, compliance deadline, completed credits, and remaining hours are shown in your Florida DFS 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 compliance date appears in your Florida DFS MyProfile account.

Florida insurance agent licenses generally do not follow a traditional two-year expiration and renewal process. However, agents must maintain the appropriate appointment and complete their assigned continuing education by the deadline to remain compliant and continue conducting insurance business.

Completing your CE early gives Florida DFS time to receive and post the reported credit before your compliance deadline.

✅ How to Maintain Your Florida Life, Health & Annuity License

• Step 1: Review your DFS MyProfile account
• Check your CE Status page to confirm your compliance deadline, required hours, completed credits, and assigned Law & Ethics Update authority.
• Step 2: Confirm that you need CE 5-215
• Verify that your MyProfile account lists CE 5-215 as your required four-hour Law & Ethics Update.
• Step 3: Complete this course online
• Work through the four-hour course at your own pace. You can log in and out without losing your progress.
• Step 4: Complete any remaining elective hours
• Make sure you have enough approved elective credits to satisfy your total continuing education requirement.
• Step 5: Receive your instant emailed certificate
• Your certificate of completion is emailed immediately after you finish the course.
• Step 6: We report your completion to Florida DFS
• We report your completed course to Florida DFS within 24 hours.
• Step 7: Confirm that the credit has posted
• Return to your MyProfile CE Status page and verify that the course appears on your continuing education transcript.
• Step 8: Maintain the proper appointment
• Keep the appointment required for your license and continue meeting all DFS compliance requirements.

✅ What You’ll Learn in This Course

This four-hour course follows the Florida DFS curriculum framework for the Life, Health & Annuity Law & Ethics Update. It covers regulatory awareness, Florida insurance law updates, ethical responsibilities, licensing and appointment rules, suitability, unfair practices, consumer protection, disciplinary actions, and industry trends.

✅ Section 1: Regulatory Awareness

• This section reviews the Florida agencies, licensing requirements, and regulatory responsibilities that affect Life, Health & Annuity insurance professionals.
• Topics include:
• Responsibilities and jurisdiction of the Chief Financial Officer
• Florida Department of Financial Services
• Florida Office of Insurance Regulation
• Florida Office of Financial Regulation
• Licensing and appointment requirements
• Licensee contact-information requirements
• Insurance agency licensing
• License transfer, surrender, and termination
• Grounds for license refusal, suspension, or revocation
• Duties of licensed and unlicensed personnel
• Insurance advertising requirements
• Recordkeeping responsibilities
• Department communications
• Florida insurance guaranty associations

✅ Section 2: Florida Insurance Law and Updates

• This section reviews important legal and regulatory developments affecting Florida-licensed Life, Health & Annuity professionals.
• Topics include:
• New Florida insurance law updates
• Changes affecting licensed insurance professionals
• Florida regulatory developments
• Pertinent federal laws affecting Florida licensees
• New compliance responsibilities
• Application of current law to insurance sales and service

✅ Section 3: Ethical Requirements

• This section examines the ethical standards and professional conduct expected of Florida insurance agents.
• Topics include:
• Florida insurance Code of Ethics
• DFS Rule Chapters 69B-215, 69B-220, 69B-221, and 69B-230
• Ethical marketing and advertising practices
• Understanding insurance and annuity products
• Suitability of insurance sales and services
• Best-interest considerations
• Unfair methods of competition
• Unfair or deceptive insurance practices
• Misrepresentation and improper sales conduct
• Required premium discounts
• Honest and complete consumer communication
• Protection of senior and vulnerable clients

✅ Section 4: Disciplinary and Industry Trends

• This section reviews enforcement activity and emerging issues that may affect an insurance professional’s license and business practices.
• Topics include:
• Recent violations involving Florida insurance professionals
• Florida DFS enforcement and disciplinary actions
• Unauthorized insurance products
• Unauthorized insurers and other entities
• Transactions involving unlicensed individuals
• New and important insurance terminology
• Common compliance failures
• Practical steps for reducing regulatory and E&O exposure

✅ Why Choose 1st Choice CE?

• Approved by the Florida Department of Financial Services
• Provider #374697
• School Official ID #374697
• Course #138881
• Course Offer ID #1241752
• Required CE 5-215 Law & Ethics Update
• Only $15.99
• No hidden or added fees
• 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
• Support by phone or text at 1-800-698-2770

✅ Enroll Now – Only $15.99

Complete your required Florida Life, Health & Annuity Law & Ethics Update online with a DFS-approved provider. Review current Florida insurance laws, licensing responsibilities, suitability standards, ethical sales practices, consumer protections, disciplinary trends, and other important compliance topics while keeping your CE status on track.

✅ Frequently Asked Questions

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

Yes. This course is approved by Florida DFS. The provider number is 374697, the School Official ID is 374697, the course number is 138881, and the Course Offer ID is 1241752.

Does this course satisfy the Life, Health & Annuity Law & Ethics requirement?

Yes. This is the 4-Hour Law & Ethics Update under course authority CE 5-215.

Who should take CE 5-215?

CE 5-215 is intended for Life including Variable Annuity and Health agents and Life and Health agents, including license types such as 2-15 and 2-18.

How many continuing education hours does this course provide?

This course provides four hours of Florida insurance continuing education.

Is this an elective insurance course?

No. This is a license-specific Law & Ethics Update course for eligible Life, Health & Annuity agents. It applies toward the required four-hour update portion of the agent’s CE requirement.

Do Florida Life and Health agents generally need 24 CE hours?

Florida resident Life and Health agents are generally assigned 24 hours every two years, including a four-hour Law & Ethics Update and approved elective credits. Reductions may apply to some licensees. Check MyProfile for your exact requirement.

When is my Florida insurance CE due?

Florida insurance continuing education is generally due every two years during your birth month. Your exact compliance date appears in your DFS MyProfile account.

Do Florida insurance licenses have to be renewed every two years?

Florida insurance agent licenses generally do not expire on a traditional two-year renewal date. However, agents must maintain the proper appointment and complete their assigned CE requirements to remain compliant.

Can I complete this course entirely online?

Yes. This course is 100% 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 course.

Do you report my course completion to Florida DFS?

Yes. We report your course completion to Florida DFS within 24 hours.

What topics are included?

The course covers Florida DFS and OIR responsibilities, licensing, appointments, advertising, recordkeeping, guaranty associations, Florida and federal law updates, ethics, suitability, unfair insurance practices, premium discounts, disciplinary actions, unauthorized entities, and important industry terminology.

Is there a money-back guarantee?

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

• Approved by the Florida Department of Financial Services
• Approved Provider #374697
• Approved Course #138881
• 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.