State RegulationsFL specificDifficulty 2/5
A Florida life agent has been licensed for 4 years. How much continuing education must she complete each 2-year cycle, and what must it include?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Under Fla. Stat. 626.2815(3), an agent with fewer than 6 years in the business must complete 24 hours of continuing education each 2-year cycle, consisting of a 4-hour law-and-ethics update course specific to the license held plus 20 elective hours. The 4-hour update course is current law - the 5-hour version was rolled back by chapter 2023-144, and the old 3-hour ethics figure is abolished. CE is due by the last day of the birth month after each 24-month span, and CE compliance precedes appointment issuance, continuance, and reinstatement under F.A.C. 69B-228.220.
Why the other options are wrong
- A) The 20-hour total applies to agents with 6 or more years in the business, and the 3-hour ethics course is the abolished old figure.
- B) The law-and-ethics update course is mandatory for every licensee; electives alone do not satisfy the requirement.
- C) The 10-hour tier applies to licensees with 25 or more years who hold CLU/CPCU or a qualifying degree, and the 5-hour course is the rolled-back 2021 version.
Memory hook
Under 6 years: 24 hours = 4-hour update + 20 electives.