Florida Insurance Continuing Education (CE) Courses

Florida requires 24 hours of continuing education (CE) every 2 years to maintain an active insurance producer license. Of those 24 hours, 4 must specifically cover ethics and professional conduct — this is a mandatory component, not optional. All CE must be completed through a Florida Department of Financial Services-approved provider before your license renewal deadline. JustInsurance is an approved provider and offers a complete 24-hour CE package for $39, including the required ethics hours.

JustInsurance offers a complete Florida CE package — covering all 24 required hours including the 4-hour ethics requirement — for $39. This is a flat-fee bundle with no per-course upsells or surprise charges. Individual CE courses are also available for agents who need only specific topics to round out their renewal hours. Every purchase includes immediate online access, self-paced completion, and automatic CE credit reporting to the Florida Department of Financial Services on your behalf.

Yes. Florida approves online CE courses, and JustInsurance provides a full catalog of self-paced courses that meet all Florida Department of Financial Services requirements. You can study on any device, pause and resume whenever you need to, and complete your 24-hour requirement in a single sitting or spread across multiple sessions. Once you finish each course, JustInsurance reports your completion electronically to the Florida Department of Financial Services — you do not need to mail certificates or manually update your license record.

Your appointments get cancelled, you cannot write business, and you must pay a fine under a Settlement Stipulation plus reinstatement fees. Specifically in Florida: the grace period is ~45 days after compliance period ends, the late fee is Settlement Stipulation fine (negotiated), and reinstatement runs $25 appointment reinstatement + $60 appointment fee with a window of Good-cause extension or Settlement Stipulation. A lapsed license also interrupts your commission flow and can trigger carrier appointment reviews. JustInsurance makes it easy to finish your hours well before your deadline — the entire $39 package can be completed in a single day if needed.

If your Florida insurance license has lapsed, you typically have Good-cause extension or Settlement Stipulation to reinstate it before you must re-apply as a new licensee. Reinstatement in Florida runs $25 appointment reinstatement + $60 appointment fee, and you must complete any outstanding CE hours from the lapsed period before the Florida Department of Financial Services will process your reinstatement. The sooner you act, the simpler the process — waiting too long can mean retaking prelicensing education and the state exam from scratch. JustInsurance courses report electronically to the Florida Department of Financial Services, so once your hours are complete your reinstatement moves fast.

Carry-forward policy in Florida: Yes — up to 24 hours; ethics carry as general only (must earn 4 new FL Law & Ethics each cycle). Carry-forward rules matter if you finish your required hours early in the cycle — in some states, the extra hours apply to your next renewal period, while in others any excess is simply lost. Ethics hours often have separate, stricter carry-forward rules than general CE hours, so even if general hours roll over, you typically need a fresh ethics course each cycle. For the current official carry-forward policy, always verify with the Florida Department of Financial Services, which is the authoritative source of truth for your CE account.

Yes. Florida mandates that 4 of your 24 required CE hours specifically cover ethics and professional conduct. This is not optional — you must satisfy the ethics component separately from general CE hours, and the Florida Department of Financial Services tracks it independently. Failing to complete the ethics hours is treated the same as failing to complete your total CE requirement. JustInsurance's $39 CE package includes a fully approved 4-hour ethics course, so your entire renewal requirement is covered in one purchase.