State RegulationsFL specificDifficulty 2/5
A Florida life-and-health agent let her appointment terminate and has now gone 48 consecutive months without being appointed by any insurer. Under the Department of Financial Services' official position, what is the status of her agent license?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under the Department of Financial Services' official position (there is no express statute on point), a Florida agent's license is perpetual - no renewal application or fee is required - but it is maintained only through continuing-education compliance and an active appointment. If a licensee goes 48 consecutive months without an appointment, DFS treats the license as lapsed, and the person must requalify to act as an agent again.
Why the other options are wrong
- B) An appointment is a licensing-maintenance condition, not merely a payment mechanism; DFS links keeping the license to holding an active appointment.
- C) Nonresident status requires a separate application based on residence in another state; it is never granted automatically.
- D) CE shortfalls lead DFS to refuse or suspend appointments and can bring penalties, but they do not create a 48-month lapse rule.
Memory hook
Perpetual paper, active appointment - 48 months of nothing and the license is gone.