State RegulationsFL specificDifficulty 2/5
A Florida agent has held no appointment with any insurer - affiliated or unaffiliated - for 48 consecutive months. What is the status of her license?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Under the Department of Financial Services' official position, a Florida insurance license is perpetual - no periodic renewal application or fee is required - but it is maintained by continuing education compliance and an active appointment. After 48 consecutive months without an appointment, the license terminates (lapses), and the agent must requalify. An agent may hold appointments with multiple unaffiliated insurers, but going completely unappointed for the 48-month stretch costs her the license.
Why the other options are wrong
- A) Perpetual means no renewal application or fee is required - not that the license survives indefinitely; 48 consecutive months without any appointment still lapses it.
- B) Temporary licenses are limited to 6 months and issued only in narrow circumstances under Fla. Stat. 626.175(1); no automatic conversion occurs.
- D) Licenses are held by the agent and administered by the DFS; they are not transferred to insurers' records.
Memory hook
Perpetual, yes - but 48 months of no appointments kills it.