Florida Insurance CE Online: DFS-Approved Law & Ethics Update, Customer Rep, Adjuster, and Long-Term Care Courses (Now Live)

Florida resident insurance licensees complete continuing education on a biennial (24-month) basis under section 626.2815, Florida Statutes. The standard requirement is 24 CE hours every 24 months, which includes a mandatory 4-hour Law & Ethics Update for the licensee's license type plus 20 elective hours. The CE compliance cycle is tied to the licensee's renewal schedule and ends with the birth-month expiration, so producers should confirm their own deadline in MyProfile rather than assume it.

The Law & Ethics Update is the piece most agents and adjusters cannot skip. It is a license-type-specific course (for example, the 5-215 Life & Health update or the 6-20 All-Lines Adjuster update) that keeps producers current on recent Florida insurance-law changes, ethics, and unfair-trade-practice rules. Long-term care producers face a separate, additional requirement: an 8-hour initial LTC training under section 627.94073 before they may solicit or sell LTC or LTC Partnership policies.

National Course Portal is Florida DFS Provider #374870. On June 24, 2026, Florida DFS approved four of the provider's continuing-education courses, and all four are now open for enrollment. Each one is a self-study online course with completion reported to DFS electronically through DICE.

The headline course is the Florida Life & Health (2-15 / 2-18) Law & Ethics Update CE — Course ID #138993, DFS authority 5-215, 5 approved credit hours. It is structured as the mandatory 4-hour Law & Ethics Update plus one elective hour, so it satisfies the Law & Ethics Update requirement for Life & Health agents and also adds an elective credit. The companion All-Lines Adjuster (6-20) Law & Ethics Update CE (Course ID #138989, authority 6-20, 5 hours) does the same for adjusters.

Each course teaches to Florida's own statutes and rules rather than generic national content. The Law & Ethics Update courses cover recent Florida insurance-law changes, producer ethics and the section 626.561 premium-trust duty, unfair insurance trade and claims practices (626.9521 / 626.9541), consumer privacy and section 501.171 data security, licensing and CE-compliance rules, insurance-fraud referral (626.989 / 817.234), and a focused elective hour on Florida's 2022–2023 property-claims reforms.

The 8-hour Long-Term Care training covers LTC services and settings, benefit triggers (activities of daily living and severe cognitive impairment), benefit and elimination periods, inflation protection, traditional vs. hybrid policies, the Florida LTC Partnership Program and its dollar-for-dollar Medicaid asset protection, the Medicaid five-year look-back, suitability, and the required disclosures under Rule 69O-157. Every course pairs teaching with a timed provider final exam — for example, the Life & Health update ends with a 30-question final, and the LTC course with a 50-question final.

Every one of these courses is built in English and Spanish, with full translation and Spanish-language learner support, not just a machine-translated overlay. For Florida — a state with one of the largest Spanish-speaking insurance workforces in the country — that is a meaningful advantage. A producer who learns and tests more comfortably in Spanish can complete a required Law & Ethics Update or LTC training without fighting the language barrier.

The bilingual build is parity-checked as part of the provider's quality process, so the Spanish lessons mirror the English lessons in substance rather than being a thinner summary. The result is the same DFS-approved credit, delivered in the learner's stronger language.

The four CE courses are priced to be genuinely affordable: $19.99 each for the three 5-hour courses (Life & Health update, Adjuster update, and Customer Representative elective) and $34.99 for the 8-hour Long-Term Care initial training. There is no separate charge for course text, practice, or materials — tuition is all-inclusive.

Price is not the only thing to weigh. Because these are DFS-approved courses under an active provider number, completions are reported to DFS through DICE and post to the licensee's MyProfile transcript — which is what actually keeps a license in good standing. When comparing CE providers, confirm DFS approval, the exact course authority for your license type, how completion is reported, language access, and whether the course teaches Florida law specifically.

Continuing education is not pre-licensing. None of these courses qualify a new applicant for a Florida insurance license, and none replace the Pearson VUE state examination required to first obtain a license. They are for licensees maintaining an existing license.

Completing one course also does not complete an entire CE cycle. A licensee still needs the full 24 hours, including the correct mandatory components for their license type, before the renewal deadline. The Customer Representative course in particular is a general elective and does not satisfy the mandatory Law & Ethics Update. Always verify your transcript in MyProfile and keep your completion records with your licensing file.