Florida Continuing Education Requirements

Continuing Education

Required Continuing Education Hours

Life Producers; Accident and Health Producers

24 CE hours, including 3 hours of ethics, are required every 2-year license term. Producers planning to sell LTC products have special training or education requirements:

• Initial 8-hour LTC training requirement: Before selling, soliciting, or negotiating LTC insurance products in Alabama, producers must complete an initial 8-hour NAIC LTC training course approved in any state.
• Ongoing 4-hour LTC training requirement: After completing the 8-hour initial training requirement, producers must complete 4 hours of state-approved LTC training every 24-month period following the completion of the initial training and every 24-months thereafter.

Property and Casualty Producers; Personal Lines Producers

24 CE hours, including 3 hours of ethics, are required every 2-year license term. Producers who write flood insurance must complete a one-time 3-hour training class on flood insurance and the National Flood Insurance Program (NFIP).

Combined Licenses

24 CE hours, including 3 hours of ethics, are required every 2-year license term. Also, see “Category Restrictions” below.

Adjusters

24 CE hours, including 3 hours of ethics are required every 2-year license term (see license term below).

Title Agents

Title Agents need to complete CE every 2-years.

Service Representatives

12 CE hours, including 1.5 hours in ethics, are required every 2-year license term.

Roster Fees

A roster fee of $1.00 per credit hour ordered is required to process course completion hours in Alabama and will be added ot the order total upon checkout.

Nonresident CE Requirements

Non-resident producers planning to sell Long-Term Care (LTC) have special training or education requirements as described below:

• Initial 8-hour LTC training requirement: before selling, soliciting, or negotiating LTC insurance products in Alabama, nonresident producers must complete an initial 8-hour, NAIC LTC training course approved in any licensed state.
• Ongoing 4-hour LTC training requirement: after completing the 8-hour initial training requirement, nonresident producers must complete 4 hours of state-approved LTC training every 24-month period following the initial training and every 24 months thereafter.

Non-resident adjusters who satisfy the adjuster requirement in their resident state or designated home state will be deemed compliant for the Alabama adjuster requirement.

Nonresident licensees can renew their licenses online here.

License Term

Producers and Service Representatives: the license term ends on the last day of the producer’s birth month, every 2 years. Even birth years renew every even year. Odd birth years renew every odd year.

Adjusters: the license term ends on the last day of the producer’s birth month, every 2 years. Even birth years renew every even year. Odd birth years renew every odd year.

Title Agents: the license term ends on the last day of the producer’s birth month, every 2 years. Even birth years renew every even year. Odd birth years renew every odd year.

CE Subject Requirements

• Category restrictions: there are no category restrictions in this state. Producers and Service Representatives may take any course approved for CE credit in Alabama.  Adjusters and Title agents may take any course approved for P&C credit in Alabama.
• Course presentation: online and paper self-study
• Study requirements: students should read the course material prior to taking a closed-book, proctored final exam.

Final Exam Requirements

COVID-19 UPDATE: Updated April 1, 2020

• Exam rules: self-study final exams are closed book. Producers may not refer to the course material while the exam is in progress. The final exam must be passed with a score of 70 percent or higher to receive credit. If the final exam is not passed on the first attempt, students have an unlimited number of retakes.

CE Carryover Allowance

A producer may carry over up to 24 excess CE hours into the next license term. Excess ethics hours may carry over as ethics credits in the next license term. No more than 3 hours of ethics may be carried over as ethics.

Note: as of January 1, 2013, no CE carryover hours in excess of the required 24 or 12 total hours will be allowed.  If you had any excess hours as of December 31, 2012, it will be used to add to your total calculations for the next CE cycle, but no excess CE hours above the 24 or 12 earned after December 31, 2012 will be allowed.

Course Repetition Rules

Courses may not be taken for credit more than once in a 2-year compliance period. In order to obtain CE and avoid course duplication, begin the first day after the renewal birth month and end the last day of the month, in the birth month at 2 year renewal.

Example: for a producer who renews in the birth month of September 2012, the 2014 compliance period begins October 1, 2012 and goes thru September 30, 2014.

CE Completion Reporting

Next-Day Reporting: American Online Insurance School reports course completions electronically to State Based Systems (SBS) every business day.

Certificate of Completion

American Online Insurance School provides online, printable certificates in Alabama. Certificates of completion are available to print online immediately after the final exam is passed. Because American Online Insurance School reports CE credits directly to SBS, certificates should not be sent to the Alabama Insurance Department unless required for auditing purposes. Producers are required to maintain the original certificate of completion in his or her files.

License Renewal Process

Resident and nonresident licensees can renew their licenses online here.

Producer licenses may be renewed as early as two months before the licensee’s birth month, and within a grace period of 30 days after the last day of their birth month with a late fee of $50 added to the regular renewal fee. If not renewed before the end of the grace period, the license will be expired.

Adjusters are allowed to renew their license online between October 1st and December 31st with a renewal fee of $80. If your license is not renewed before January 1st, the license will be expired.

CE Exemptions

The following are exempt from Alabama CE requirements:

• • Individuals licensed for less than 12 months at the time of their first renewal
  • Nonresident producers and adjusters in good standing with their home states
  • Producers licensed only for lines of insurance for which an examination is not required
  • Producers licensed in Alabama for 15 years and who are at least 60 years of age. Effective January 1, 2013 this exemption will no longer be given.  Only those who were quailifed before this date may continue the exemption and will be grandfathered in.  They may continue to request exemption unless the license goes inactive for over a year, in which case this exemption will no longer apply.
  • Temporary license holders pending passage of the written examination for that line of insurance
  • Active members of the Alabama legislature during any portion of the compliance period

Producers who are exempt from CE, will still be required to complete LTC training. The Federal Law will not allow exemptions for LTC.