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FloridaInsurance
InsuranceFlorida

1-Hour Hurricane Loss Mitigation and Premium Discounts Florida Insurance

1 hrSelf-paced
  • Approved by the Florida Department of Financial Services
  • Approved Provider #374697
  • Approved Course #138857
  • 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.
$12.99one-time
Course Details
InsuranceFlorida

3 Hrs Flood Insurance (NFIP) - Florida

3 hrsSelf-paced
  • Approved by the Florida Department of Financial Services
  • Approved Provider #374697
  • Approved Course #166900
  • 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.
$15.99one-time
Course Details
InsuranceFlorida

Florida 4-Hour Law & Ethics Update — General Lines (CE 5-220)- Insurance Agent

4 hrsSelf-paced
  • Approved by the Florida Department of Financial Services
  • Approved Provider #374697
  • Approved Course #138886
  • 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 — General Lines (CE 5-220) – Florida Approved by the Florida Department of Financial Services (DFS) ✅ Provider #374697 | School Official ID #374697 | Course #138886 | Course Offer ID #1241751 Only $15.99 | Instant Emailed Certificate | 100% Online & Self-Paced Complete Florida’s required 4-Hour Law & Ethics Update for General Lines insurance agents entirely online. This Florida DFS-approved CE 5-220 course reviews current insurance laws, regulatory responsibilities, ethical standards, licensing requirements, recent Florida law changes, unfair insurance practices, disciplinary trends, and other important compliance topics. The course follows the curriculum framework prescribed by the Florida Department of Financial Services for the General Lines Law & Ethics Update. It includes recent 2025–2026 Florida insurance law and regulatory updates applicable to licensed professionals. You can complete the course at your own pace, log in and out without losing your progress, and receive an instant emailed certificate when you finish. We report your completion to Florida DFS within 24 hours. ✅ Who Should Take This Course? This course is intended for Florida General Lines insurance professionals whose DFS continuing education requirement includes the 4-Hour Law & Ethics Update under course authority CE 5-220. This course is a good fit for: ✅ Florida 2-20 General Lines agents ✅ Florida Property and Casualty insurance agents ✅ General Lines agents who need the required 4-hour Law & Ethics Update ✅ Agents completing their biennial Florida insurance CE requirements ✅ Licensed professionals who want an update on Florida insurance laws, ethics, licensing, advertising, recordkeeping, and enforcement ✅ Busy agents who prefer an online, self-paced course Check your Florida DFS MyProfile CE Status page to confirm that CE 5-220 is the correct Law & Ethics Update authority for your license. ✅ Is CE 5-220 Required for Florida General Lines Agents? Florida General Lines 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 5-220 Course Number: 138886 Course Offer ID: 1241751 The four hours earned from this course apply toward the licensee’s total Florida insurance CE requirement. ✅ Florida General Lines Continuing Education Requirements Florida resident General Lines 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 reduced total-hour requirement based on experience, professional qualifications, or other criteria. The four-hour license-specific Law & Ethics Update may still be required. Your exact requirement is determined by Florida DFS and appears in your MyProfile account. ✅ When Is Florida Insurance CE Due? Florida insurance continuing education is generally due every two years by the end of the licensee’s birth month. Florida insurance agent licenses are generally perpetual rather than renewed on a traditional two-year renewal schedule. However, agents must remain properly appointed and complete their assigned continuing education by the compliance deadline to maintain their authority to transact insurance business. Your exact compliance date, required course authority, completed credits, and remaining CE hours are available through Florida DFS MyProfile. ✅ How to Maintain Your Florida General Lines License ✅ Step 1: Check your DFS MyProfile account Review your CE Status page to confirm your compliance deadline, total required hours, completed credits, and required Law & Ethics Update authority. ✅ Step 2: Complete the required CE 5-220 course Finish this DFS-approved 4-Hour Law & Ethics Update for General Lines agents. ✅ Step 3: Complete any remaining elective hours Make sure you have enough approved elective credits to satisfy your complete CE requirement. ✅ Step 4: Receive your instant emailed certificate Your certificate of completion is emailed to you immediately after finishing the course. ✅ Step 5: We report your completion to Florida DFS We report your completed course to Florida DFS within 24 hours. ✅ Step 6: Confirm that your credit has posted Return to your MyProfile CE Status page and verify that the course appears on your transcript. ✅ Step 7: Maintain your appointment Florida insurance agent licenses are perpetual, but agents must maintain the proper appointment and remain compliant with CE requirements. ✅ What You’ll Learn in This Course This four-hour course follows the Florida DFS curriculum framework for the General Lines Law & Ethics Update and covers regulatory awareness, insurance law updates, ethical requirements, enforcement activity, and industry trends. ✅ Section 1: Regulatory Awareness This section reviews the Florida agencies, licensing rules, and regulatory responsibilities that affect General Lines 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 ✅ Updating licensee contact information ✅ Insurance agency licensing ✅ License transfer, surrender, and termination ✅ Grounds for refusal, suspension, or revocation ✅ Duties of licensed and unlicensed personnel ✅ Insurance advertising requirements ✅ Recordkeeping responsibilities ✅ Department communications ✅ Florida Insurance Guaranty Association ✅ Section 2: Florida Insurance Law and Updates This section reviews current legal and regulatory developments affecting Florida General Lines insurance professionals. Topics include: ✅ Recent 2025–2026 Florida insurance legislation ✅ Changes affecting licensed insurance professionals ✅ Florida insurance regulatory updates ✅ Pertinent federal laws affecting Florida licensees ✅ New compliance responsibilities and terminology ✅ Applying current law to daily insurance transactions ✅ Section 3: Ethical Requirements This section reviews the ethical standards and professional conduct expected of Florida insurance agents. Topics include: ✅ Florida insurance Code of Ethics ✅ Applicable DFS rules and ethical standards ✅ Marketing regulations and ethical advertising ✅ Understanding insurance products ✅ Suitability of insurance sales and services ✅ Unfair methods of competition ✅ Unfair or deceptive insurance practices ✅ Misrepresentation and improper sales conduct ✅ Required insurance premium discounts ✅ Honest and complete client communication ✅ Section 4: Disciplinary and Industry Trends This section examines enforcement activity and emerging issues that can affect an insurance professional’s license and business practices. Topics include: ✅ Recent violations involving Florida insurance professionals ✅ 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 #138886 ✅ Course Offer ID #1241751 ✅ Required CE 5-220 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 General Lines Law & Ethics Update online with a DFS-approved provider. Review current Florida insurance laws, ethical standards, licensing rules, regulatory responsibilities, and recent industry developments while keeping your CE compliance 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 138886, and the Course Offer ID is 1241751. Does this course satisfy the General Lines Law & Ethics requirement? Yes. This is the 4-Hour Law & Ethics Update for General Lines under course authority CE 5-220. How many continuing education hours does this course provide? This course provides four hours of Florida insurance continuing education. Who should take this course? This course is intended for Florida General Lines insurance agents whose MyProfile CE requirement includes the CE 5-220 Law & Ethics Update. Is this an elective insurance course? No. This is a license-specific Law & Ethics Update course for General Lines agents. It applies toward the four-hour update portion of the agent’s CE requirement. Do Florida General Lines agents need 24 CE hours? Florida resident General Lines agents are generally assigned 24 hours every two years, including a four-hour Law & Ethics Update and approved elective credits. Reduced total-hour requirements may apply to some licensees. Check MyProfile for your exact requirement. When is my Florida insurance CE due? CE is generally due every two years by the end of 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 are generally perpetual. However, agents must remain properly appointed and complete assigned CE requirements to remain compliant and continue transacting insurance business. 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 will receive an instant emailed certificate after completing the course. Do you report my completion to Florida DFS? Yes. We report your course completion to Florida DFS within 24 hours. What topics are included? The course covers DFS and OIR responsibilities, licensing and appointments, advertising, recordkeeping, FIGA, recent Florida law changes, federal law, ethics, suitability, unfair practices, premium discounts, disciplinary actions, unauthorized entities, and 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
$15.99one-time
Course Details
InsuranceFlorida

Florida 4-Hour Health Insurance & Medicare (Life, Health & Annuity) - Insurance Agent

4 hrsSelf-paced
  • Approved by the Florida Department of Financial Services
  • Approved Provider #374697
  • Approved Course #138883
  • 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 Health Insurance & Medicare (Life, Health & Annuity) – Florida Approved by Florida Department of Financial Services (DFS) ✅ Provider #374697 | School Official ID #374697 | Course #138883 | Course Offer ID #1241601 Only $15.99 | Instant Emailed Certificate | 100% Online & Self-Paced Complete 4 hours of Florida insurance continuing education online with this DFS-approved Health Insurance & Medicare course for Life, Health & Annuity agents. This course is designed to help Florida insurance professionals better understand health insurance fundamentals, Medicare, Medicare Advantage, Part D, Medicare Supplement policies, Florida regulation, marketing rules, senior protection, HIPAA privacy, claims, appeals, grievances, ethics, and E&O prevention. You can complete the course online at your own pace, log in and out any time without losing your progress, and receive your instant emailed certificate after completion. We report your completion to Florida DFS within 24 hours, and your purchase is backed by our money-back guarantee. ✅ Who This Course Is For This course is designed for Florida insurance agents who need approved continuing education and want practical training on health insurance, Medicare, regulation, marketing, suitability, and client service. This course is a good fit for: ✅ Florida Life, Health & Annuity agents ✅ Florida Life and Health insurance agents ✅ Agents who discuss health insurance, Medicare, Medicare Advantage, Part D, or Medigap policies ✅ Agents who want to better understand senior protection and suitability ✅ Agents who need an approved Florida DFS insurance CE course ✅ Agents looking for a 4-hour online elective course ✅ Agents who want instant certificate access and DFS reporting This course is especially helpful for agents who work with health insurance and Medicare clients, where plan types, cost sharing, networks, enrollment periods, late penalties, coordination of coverage, required disclosures, privacy, claims, and ethical communication are common discussion points. ✅ Florida Insurance License Renewal Requirements Florida insurance continuing education requirements depend on license type and how long the agent has been licensed. Many Florida resident insurance agents must complete continuing education every two years, including a required Law & Ethics Update course for their license type plus approved elective continuing education hours. For many major-lines Florida insurance agents, the CE requirement is commonly 24 hours every two years. Agents licensed for 6 or more years may qualify for a reduced 20-hour requirement. Your exact CE requirement is shown in your Florida DFS MyProfile account. This 4-hour course is an approved Florida insurance CE course that may be used toward eligible elective continuing education hours for Life, Health & Annuity agents. ✅ When Do Florida Insurance Agents Have to Renew or Complete CE? Florida insurance continuing education is generally due every two years by the end of the licensee’s birth month. Your exact compliance deadline and remaining CE requirements are shown in your Florida DFS MyProfile account. To avoid compliance issues, complete your CE early and make sure your credits are posted before your deadline. ✅ How to Renew or Maintain Your Florida Insurance License ✅ Step 1: Check your DFS MyProfile account Review your license type, CE deadline, and remaining CE requirements. ✅ Step 2: Complete your required CE courses Make sure you complete any required Law & Ethics Update course and enough approved elective hours for your license type. ✅ Step 3: Take this 4-hour course online Complete the Health Insurance & Medicare course at your own pace. ✅ Step 4: Receive your instant emailed certificate After completion, your certificate is emailed to you for your records. ✅ Step 5: We report your completion Your course completion is reported to Florida DFS within 24 hours. ✅ Step 6: Confirm your CE status Check your DFS MyProfile account to confirm that your completed credits have posted. ✅ What You’ll Learn in This 4-Hour Course This course focuses on health insurance fundamentals, Medicare coverage options, Florida regulation, marketing rules, suitability, consumer privacy, claims, ethics, and client-service responsibilities for Life, Health & Annuity agents. ✅ Course Content Overview Hour 1: Health Insurance Fundamentals This section introduces the key health insurance concepts agents need to explain clearly to clients. Topics include: ✅ Purpose and structure of health insurance ✅ Key cost terms such as deductibles, copays, coinsurance, and out-of-pocket costs ✅ Health plan types, including HMO, PPO, EPO, and POS plans ✅ Major medical coverage and the Affordable Care Act framework ✅ Cost sharing, networks, and provider arrangements ✅ Limited-benefit and supplemental products ✅ Group versus individual health coverage Hour 2: Medicare This section reviews Medicare structure, enrollment, and the main coverage options agents may encounter when working with Medicare-eligible clients. Topics include: ✅ Medicare overview, eligibility, and enrollment ✅ Medicare Part A hospital insurance ✅ Medicare Part B medical insurance ✅ Medicare Part C / Medicare Advantage ✅ Medicare Part D prescription drug coverage ✅ Medicare Supplement / Medigap policies ✅ Enrollment periods and late penalties ✅ Coordination of coverage Hour 3: Florida Regulation, Marketing, and Suitability This section focuses on Florida and federal requirements that affect health insurance and Medicare-related sales conversations. Topics include: ✅ Florida licensing and federal certification for health and Medicare sales ✅ Marketing rules and CMS requirements for Medicare products ✅ Senior protection and suitability ✅ Unfair practices and misrepresentation in health sales ✅ Required disclosures ✅ HIPAA privacy ✅ Protection of consumer information Hour 4: Servicing, Claims, Ethics, and Application This section focuses on practical client service, claims support, ethical responsibilities, and E&O prevention. Topics include: ✅ Enrolling clients and ongoing service ✅ Claims, appeals, and grievances ✅ Ethics and the Florida Code of Ethics ✅ Errors-and-omissions prevention in health sales ✅ Avoiding fraud and unauthorized or bogus health plans ✅ Case studies and a client-service checklist ✅ Why Choose 1st Choice CE? ✅ Approved by Florida Department of Financial Services ✅ Provider #374697 ✅ School Official ID #374697 ✅ Course #138883 ✅ Course Offer ID #1241601 ✅ Only $15.99 ✅ 100% online and self-paced ✅ Log in and out any time without losing progress ✅ Instant emailed certificate after completion ✅ Completion reported to Florida DFS within 24 hours ✅ Money-back guarantee ✅ Over 10 years of trusted continuing education service ✅ Support by phone or text – 1-800-698-2770 ✅ Enroll Now – Only $15.99 This is a fast, affordable way to complete 4 hours of Florida insurance continuing education online while reviewing health insurance, Medicare, Medicare Advantage, Part D, Medigap, Florida regulation, marketing, suitability, privacy, claims, ethics, and client service. ✅ Frequently Asked Questions Is this course approved by Florida DFS? Yes. This course is approved by the Florida Department of Financial Services. Provider #374697, School Official ID #374697, Course #138883, Course Offer ID #1241601. How many CE hours is this course? This course provides 4 hours of Florida insurance continuing education. Who should take this course? This course is designed for Florida Life, Health & Annuity agents and other eligible insurance professionals who need approved CE and want a practical review of health insurance and Medicare topics. Does this course count as a Law & Ethics Update course? No. This is a 4-hour Health Insurance & Medicare course. If your renewal requires a Law & Ethics Update course, you must complete the required Law & Ethics course separately. Can I take this course 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 anytime and continue where you left off. Do I get a certificate after completing the course? Yes. You receive an instant emailed certificate after course completion. Do you report my completion to Florida DFS? Yes. Your completion is reported to Florida DFS within 24 hours. When do Florida insurance agents need to complete CE? Florida insurance CE is generally due every two years by the end of the licensee’s birth month. Check your DFS MyProfile account for your exact CE deadline and requirements. What does this course cover? The course covers health insurance fundamentals, HMO/PPO/EPO/POS plans, major medical coverage, ACA concepts, cost sharing, networks, Medicare Parts A and B, Medicare Advantage, Part D, Medigap, enrollment periods, late penalties, Florida regulation, Medicare marketing rules, senior protection, suitability, HIPAA privacy, claims, appeals, grievances, ethics, E&O prevention, and fraud prevention. Is there a money-back guarantee? Yes. This course is backed by our money-back guarantee.
  • Approved by the Florida Department of Financial Services
$15.99one-time
Course Details
InsuranceFlorida

Florida 4-Hour Errors & Omissions and Agency Risk Management - Insurance Agent

4 hrsSelf-paced
  • Approved by the Florida Department of Financial Services
  • Approved Provider #374697
  • Approved Course #138882
  • 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 Errors & Omissions and Agency Risk Management (General Lines) – Florida Approved by Florida Department of Financial Services (DFS) ✅ Provider #374697 | School Official ID #374697 | Course #138882 | Course Offer ID #1241600 Only $15.99 | Instant Emailed Certificate | 100% Online & Self-Paced Complete 4 hours of Florida insurance continuing education online with this DFS-approved Errors & Omissions and Agency Risk Management course for General Lines agents. This course is designed to help Florida insurance professionals better understand E&O exposure, agent liability, documentation, coverage placement, client communication, flood and windstorm risk, certificates of insurance, digital marketing risks, claims-made E&O policies, ethics, and practical agency risk-management procedures. You can complete the course online at your own pace, log in and out any time without losing your progress, and receive your instant emailed certificate after completion. We report your completion to Florida DFS within 24 hours, and your purchase is backed by our money-back guarantee. ✅ Who This Course Is For This course is designed for Florida insurance agents who need approved continuing education and want practical training on errors and omissions exposure, agency risk management, client documentation, and professional liability prevention. This course is a good fit for: ✅ Florida General Lines agents ✅ Florida Property and Casualty insurance agents ✅ Insurance agency owners and managers ✅ Producers, account managers, and customer representatives ✅ Agents who want to reduce E&O exposure in personal or commercial lines ✅ Agents who work with flood, windstorm, certificates of insurance, renewals, cancellations, or client coverage changes ✅ Agents who need an approved Florida DFS insurance CE course ✅ Agents looking for a 4-hour online elective course This course is especially useful for Florida agents because many E&O risks are tied to real-world agency activity, including coverage gaps, inadequate limits, missed client requests, poor documentation, flood discussions, hurricane and windstorm underinsurance, certificates of insurance, and market-condition issues. ✅ Florida Insurance License Renewal Requirements Florida insurance continuing education requirements depend on license type. Florida DFS lists General Lines agents as needing a 4-hour Law and Ethics Update course specific to General Lines, plus elective continuing education credits. This course is an approved Florida DFS continuing education course that may be used toward eligible elective hours for General Lines agents. For General Lines agents, the required 4-hour update course is the Law and Ethics Update for General Lines. This Errors & Omissions and Agency Risk Management course is not a Law and Ethics Update course, so agents who still need their required 4-hour Law and Ethics Update should complete that course separately. Your exact CE requirement, compliance deadline, and remaining hours are shown in your Florida DFS MyProfile account. ✅ When Do Florida Insurance Agents Have to Complete CE? Florida insurance continuing education is generally completed on a recurring compliance cycle based on the licensee’s birth month. Your exact deadline is shown in your Florida DFS MyProfile account. To avoid compliance problems, complete your CE early and make sure your credits are posted before your deadline. ✅ How to Renew or Maintain Your Florida Insurance License ✅ Step 1: Check your DFS MyProfile account Review your license type, CE deadline, and remaining CE requirements. ✅ Step 2: Complete your required CE courses Make sure you complete any required Law and Ethics Update course and enough approved elective hours for your license type. ✅ Step 3: Take this 4-hour course online Complete the Errors & Omissions and Agency Risk Management course at your own pace. ✅ Step 4: Receive your instant emailed certificate After completion, your certificate is emailed to you for your records. ✅ Step 5: We report your completion Your course completion is reported to Florida DFS within 24 hours. ✅ Step 6: Confirm your CE status Check your DFS MyProfile account to confirm that your completed credits have posted. ✅ What You’ll Learn in This 4-Hour Course This course focuses on insurance agent E&O exposure, agency risk management, documentation, coverage placement, client communication, Florida-specific risk areas, ethics, claims-made E&O policy issues, and practical procedures that help reduce preventable disputes. ✅ Course Content Overview Hour 1: Understanding Agent Errors-and-Omissions Exposure This section introduces the core E&O concepts agents need to understand when working with clients, carriers, agency staff, and coverage recommendations. Topics include: ✅ What E&O insurance is and why agents need it ✅ The legal basis of agent liability ✅ Negligence and duties to clients ✅ Common sources of E&O claims ✅ The standard of care and the agent’s duties ✅ Scope of authority ✅ Special agent versus general agent concepts ✅ Claims-made E&O policy features Hour 2: Preventing E&O Claims This section focuses on practical procedures agents and agencies can use to reduce mistakes, prevent misunderstandings, and create stronger files. Topics include: ✅ Documentation as the first line of defense ✅ Proper coverage placement ✅ Avoiding coverage gaps ✅ Adequate limits and the duty to advise ✅ Handling client requests ✅ Policy changes, renewals, and cancellations ✅ Communication and managing client expectations ✅ Application and disclosure process Hour 3: High-Risk Areas and the Florida Context This section reviews Florida-specific and high-risk E&O areas that frequently create disputes or coverage misunderstandings. Topics include: ✅ Flood insurance and the failure to offer or recommend ✅ Hurricane and windstorm underinsurance exposures ✅ Certificates of insurance pitfalls ✅ Personal lines E&O hotspots ✅ Commercial lines E&O hotspots ✅ Florida market conditions and heightened E&O risk ✅ Social media and digital marketing exposure ✅ Privacy and data-related exposures Hour 4: Ethics, Claims, and Building an Agency Risk-Management Program This section focuses on ethical responsibilities, claim reporting, agency procedures, quality control, and practical risk-management tools. Topics include: ✅ Ethics and duties of honesty and disclosure ✅ Florida ethical and unfair-practice standards ✅ Reporting and cooperation when a claim arises ✅ Claims-made policy responsibilities ✅ Building an agency risk-management program ✅ Procedures, checklists, and quality assurance ✅ Vulnerable and senior clients ✅ Case studies and an E&O prevention checklist ✅ Why Choose 1st Choice CE? ✅ Approved by Florida Department of Financial Services ✅ Provider #374697 ✅ School Official ID #374697 ✅ Course #138882 ✅ Course Offer ID #1241600 ✅ Only $15.99 ✅ 100% online and self-paced ✅ Log in and out any time without losing progress ✅ Instant emailed certificate after completion ✅ Completion reported to Florida DFS within 24 hours ✅ Money-back guarantee ✅ Over 10 years of trusted continuing education service ✅ Support by phone or text – 1-800-698-2770 ✅ Enroll Now – Only $15.99 This is a fast, affordable way to complete 4 hours of Florida insurance continuing education online while reviewing errors and omissions exposure, agency risk management, documentation, client communication, flood and windstorm issues, certificates of insurance, ethics, claims, and E&O prevention procedures. ✅ Frequently Asked Questions Is this course approved by Florida DFS? Yes. This course is approved by the Florida Department of Financial Services. Provider #374697, School Official ID #374697, Course #138882, Course Offer ID #1241600. How many CE hours is this course? This course provides 4 hours of Florida insurance continuing education. Who should take this course? This course is designed for Florida General Lines agents and other eligible insurance professionals who need approved CE and want practical training on errors and omissions exposure, agency risk management, documentation, client communication, and E&O prevention. Does this course count as a Law & Ethics Update course? No. This is a 4-hour Errors & Omissions and Agency Risk Management course. If your renewal requires a Law & Ethics Update course, you must complete the required Law & Ethics course separately. Can I take this course 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 anytime and continue where you left off. Do I get a certificate after completing the course? Yes. You receive an instant emailed certificate after course completion. Do you report my completion to Florida DFS? Yes. Your completion is reported to Florida DFS within 24 hours. When do Florida insurance agents need to complete CE? Florida insurance CE is completed on a recurring compliance cycle. Your exact CE deadline and remaining requirements are shown in your Florida DFS MyProfile account. What does this course cover? The course covers E&O insurance, agent liability, negligence, agent duties, common E&O claim sources, claims-made E&O policy features, documentation, proper coverage placement, adequate limits, client requests, renewals, cancellations, flood, hurricane and windstorm exposure, certificates of insurance, Florida market conditions, digital marketing, privacy, ethics, claims reporting, agency procedures, quality assurance, vulnerable clients, and E&O prevention checklists. Is there a money-back guarantee? Yes. This course is backed by our money-back guarantee.
  • Approved by the Florida Department of Financial Services
$15.99one-time
Course Details
InsuranceFlorida

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

4 hrsSelf-paced
  • 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
$15.99one-time
Course Details
InsuranceFlorida

Florida 4-Hour Retirement Income & Annuity Planning (Life, Health & Annuity) - Insurance Agent

4 hrsSelf-paced
  • Approved by the Florida Department of Financial Services
  • Approved Provider #374697
  • Approved Course #138878
  • 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 Retirement Income & Annuity Planning (Life, Health & Annuity) – Florida Approved by Florida Department of Financial Services (DFS) ✅ Provider #374697 | School Official ID #374697 | Course #138878 | Course Offer ID #1241612 Only $15.99 | Instant Emailed Certificate | 100% Online & Self-Paced Complete 4 hours of Florida insurance continuing education online with this DFS-approved Retirement Income & Annuity Planning course for Life, Health & Annuity agents. This course is designed to help Florida insurance professionals better understand retirement income planning, annuity products, longevity risk, fixed annuities, fixed indexed annuities, variable annuities, income options, Florida annuity best-interest standards, suitability, taxation, ethics, senior protection, and E&O prevention. You can complete the course online at your own pace, log in and out any time without losing your progress, and receive your instant emailed certificate after completion. We report your completion to Florida DFS within 24 hours, and your purchase is backed by our money-back guarantee. ✅ Who This Course Is For This course is designed for Florida insurance agents who need approved continuing education and want practical training on retirement income planning and annuity concepts. This course is a good fit for: ✅ Florida Life, Health & Annuity agents ✅ Florida life insurance agents ✅ Agents who discuss annuities, retirement income, or income planning ✅ Agents who work with seniors, retirees, or pre-retirees ✅ Agents who want to better understand annuity suitability and best-interest considerations ✅ Agents who need an approved Florida DFS insurance CE course ✅ Agents looking for a 4-hour online elective course ✅ Agents who want instant certificate access and DFS reporting This course is especially helpful for agents who work with clients planning for retirement income, where longevity risk, income guarantees, annuity features, taxation, replacement concerns, senior protection, disclosure, suitability, and ethical sales practices are important. ✅ Florida Insurance License Renewal Requirements Florida insurance continuing education requirements depend on license type and how long the agent has been licensed. Many Florida resident insurance agents must complete continuing education every two years, including a required Law & Ethics Update course for their license type plus approved elective continuing education hours. For Florida Life, Health & Annuity agents, the required update course is typically the 4-hour Law & Ethics Update for Life, Health & Annuity. In addition to that required update course, agents must complete enough approved elective credits to satisfy their total CE requirement. This 4-hour Retirement Income & Annuity Planning course is an approved Florida DFS continuing education course that may be used toward eligible elective continuing education hours for Life, Health & Annuity agents. ✅ When Do Florida Insurance Agents Have to Renew or Complete CE? Florida insurance continuing education is generally due every two years by the end of the licensee’s birth month. Your exact compliance deadline and remaining CE requirements are shown in your Florida DFS MyProfile account. To avoid compliance issues, complete your CE early and make sure your credits are posted before your deadline. ✅ How to Renew or Maintain Your Florida Insurance License ✅ Step 1: Check your DFS MyProfile account Review your license type, CE deadline, and remaining CE requirements. ✅ Step 2: Complete your required CE courses Make sure you complete any required Law & Ethics Update course and enough approved elective hours for your license type. ✅ Step 3: Take this 4-hour course online Complete the Retirement Income & Annuity Planning course at your own pace. ✅ Step 4: Receive your instant emailed certificate After completion, your certificate is emailed to you for your records. ✅ Step 5: We report your completion Your course completion is reported to Florida DFS within 24 hours. ✅ Step 6: Confirm your CE status Check your DFS MyProfile account to confirm that your completed credits have posted. ✅ What You’ll Learn in This 4-Hour Course This course focuses on retirement income planning foundations, annuities as retirement income tools, Florida annuity regulation, best-interest and suitability considerations, taxation, ethics, E&O prevention, and practical client-service responsibilities for Life, Health & Annuity agents. ✅ Course Content Overview Hour 1: Retirement Planning Foundations This section introduces the retirement income planning concepts agents need to understand when discussing retirement needs with clients. Topics include: ✅ Retirement income challenges ✅ Longevity risk ✅ Sources of retirement income ✅ Qualified versus nonqualified plans and retirement accounts ✅ Common risks in retirement ✅ The role of guarantees and insurance products ✅ Retirement income needs analysis Hour 2: Annuities as Retirement Income Tools This section focuses on annuity products and how they may be used as part of retirement income planning. Topics include: ✅ Annuity fundamentals ✅ Accumulation and payout concepts ✅ Fixed annuities ✅ Fixed indexed annuities ✅ Variable annuities ✅ Income annuities and payout options ✅ Annuity riders and fees Hour 3: Florida Regulation, Best Interest, and Suitability This section reviews Florida-focused annuity regulation, suitability, best-interest responsibilities, and consumer protection issues. Topics include: ✅ Florida annuity best-interest standard ✅ Suitability analysis and documentation ✅ Replacement and 1035 exchange ethics ✅ Senior and vulnerable-client protection ✅ Required disclosures ✅ Annuity illustrations ✅ Unfair practices and conflicts of interest Hour 4: Taxation, Servicing, Ethics, and Application This section focuses on taxation, ongoing service, ethical responsibilities, E&O prevention, and practical application. Topics include: ✅ Taxation of annuities ✅ Retirement distribution taxation ✅ Servicing and ongoing review ✅ Ethics and the Florida Code of Ethics ✅ Errors-and-omissions prevention in annuity and retirement sales ✅ Avoiding unsuitable annuity sales to seniors ✅ Case studies and a client-service checklist ✅ Important Note About Product-Specific Training This course provides Florida insurance continuing education credit. It does not replace any separate carrier certification, product-specific training, annuity best-interest training, or other training that may be required before selling or recommending certain annuity products. If you sell annuities or other specialized insurance products, always confirm whether additional training or carrier certification is required. ✅ Why Choose 1st Choice CE? ✅ Approved by Florida Department of Financial Services ✅ Provider #374697 ✅ School Official ID #374697 ✅ Course #138878 ✅ Course Offer ID #1241612 ✅ Only $15.99 ✅ 100% online and self-paced ✅ Log in and out any time without losing progress ✅ Instant emailed certificate after completion ✅ Completion reported to Florida DFS within 24 hours ✅ Money-back guarantee ✅ Over 10 years of trusted continuing education service ✅ Support by phone or text – 1-800-698-2770 ✅ Enroll Now – Only $15.99 This is a fast, affordable way to complete 4 hours of Florida insurance continuing education online while reviewing retirement income planning, annuity products, longevity risk, fixed and indexed annuities, variable annuities, Florida best-interest standards, suitability, taxation, ethics, senior protection, and E&O prevention. ✅ Frequently Asked Questions Is this course approved by Florida DFS? Yes. This course is approved by the Florida Department of Financial Services. Provider #374697, School Official ID #374697, Course #138878, Course Offer ID #1241612. How many CE hours is this course? This course provides 4 hours of Florida insurance continuing education. Who should take this course? This course is designed for Florida Life, Health & Annuity agents and other eligible insurance professionals who need approved CE and want a practical review of retirement income and annuity planning topics. Does this course count as a Law & Ethics Update course? No. This is a 4-hour Retirement Income & Annuity Planning course. If your renewal requires a Law & Ethics Update course, you must complete the required Law & Ethics course separately. Does this course replace annuity product training or carrier certification? No. This course is approved for Florida insurance CE credit, but it does not replace separate product-specific training, carrier certification, annuity best-interest training, or other training that may be required before selling certain products. Can I take this course 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 anytime and continue where you left off. Do I get a certificate after completing the course? Yes. You receive an instant emailed certificate after course completion. Do you report my completion to Florida DFS? Yes. Your completion is reported to Florida DFS within 24 hours. When do Florida insurance agents need to complete CE? Florida insurance CE is generally due every two years by the end of the licensee’s birth month. Check your DFS MyProfile account for your exact CE deadline and requirements. What does this course cover? The course covers retirement income planning, longevity risk, sources of retirement income, qualified and nonqualified plans, annuity fundamentals, fixed annuities, fixed indexed annuities, variable annuities, income annuities, riders, fees, Florida annuity best-interest standards, suitability documentation, 1035 exchanges, senior protection, disclosures, taxation, ethics, E&O prevention, and client-service case studies. Is there a money-back guarantee? Yes. This course is backed by our money-back guarantee.
  • Approved by the Florida Department of Financial Services
$15.99one-time
Course Details
InsuranceFlorida

Florida 4-Hour Homeowners & Residential Property Insurance

4 hrsSelf-paced
  • Approved by the Florida Department of Financial Services
  • Approved Provider #374697
  • Approved Course #138885
  • 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.
$15.99one-time
Course Details
InsuranceFlorida

Florida 4-Hour Commercial Property & General Liability Insurance

4 hrsSelf-paced
  • 3
$15.99one-time
Course Details
InsuranceFlorida

Florida 4-Hour Automobile Insurance & PIP / No-Fault (General Lines)

4 hrsSelf-paced
  • Approved by the Florida Department of Financial Services
  • Approved Provider #374697
  • Approved Course #138858
  • 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.
$15.99one-time
Course Details
InsuranceFlorida

Florida 4-Hour Retirement Income & Annuity Planning (Life, Health & Annuity)

4 hrsSelf-paced
  • Approved by the Florida Department of Financial Services
  • Approved Provider #374697
  • Approved Course #138878
  • 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.
$15.99one-time
Course Details
InsuranceFlorida

4 hrs Long-Term Care Insurance Partnership Training - Florida

4 hrsSelf-paced
  • Approved by Florida Department of Financial Services
  • Approved Provider #374697
  • Approved Course #136902
  • 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.
$15.99one-time
Course Details
InsuranceFlorida

4-hour Annuity Best Interest/Suitability - Insurance Agent CE - Florida

4 hrsSelf-paced
  • Approved by the Florida Department of Financial Services
  • Approved Provider #374697
  • Approved Course #136901
  • 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.
$15.99one-time
Course Details
InsuranceFlorida

20-Hour Life, Health and Annuity CE Package - Florida Insurance

20 hrsSelf-paced
  • 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
$34.99one-time
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Frequently asked questions

How do I know if these courses are approved in my state?

All our insurance courses are approved by the respective state licensing boards. You can verify the approval by checking the approval number listed on each course or by contacting your state's licensing board.

How long do I have to complete my course?

Once purchased, you have 12 months to complete your course. You can work at your own pace and log in and out as needed. Your progress is automatically saved.

How quickly will my completion be reported?

We report all course completions to the appropriate licensing board within 24 hours. You'll also receive an instant certificate via email upon completion.

Can I take these courses on my mobile device?

Yes! All our courses are mobile-friendly and can be completed on any device including smartphones, tablets, laptops, and desktop computers.