Florida Long-Term Care Insurance Training (4-Hour Ongoing Refresher)
Self-study online 4-hour DFS-approved ONGOING long-term care (LTC) insurance producer REFRESHER under F.S. 627.94073 / Rule 69O-157 (NAIC LTC model) — the recurring refresher a Florida life/health producer (2-15 / 2-14 / 2-40) who already completed the 8-hour initial LTC training must take each renewal/compliance cycle to keep soliciting or selling LTC insurance or LTC Partnership policies. This condensed refresher assumes the producer knows LTC basics and emphasizes what has CHANGED plus a focused core refresh: regulatory and market updates since initial training (recent FL/NAIC LTC developments, rate-stability and rate-increase landscape, the shift to hybrid products, and the indexed IRS/Medicaid figures and Partnership status that drift each cycle); a product refresher on benefit triggers (ADLs and severe cognitive impairment), traditional vs. hybrid/linked policy types, inflation protection (compound vs. simple), and tax-qualified treatment — and what gets mis-sold; the Florida LTC Partnership Program (F.S. 627.94072) and Medicaid interaction refresher (dollar-for-dollar asset protection, the age-based inflation requirement, reciprocity, spend-down, the five-year look-back, current figures, and the UPL line); and suitability, the Rule 69O-157 disclosures (Shopper's Guide, Outline of Coverage, rate-increase-history disclosure, inflation-protection offer), replacement, free-look, lapse protection (third-party/designated-person notice and contingent nonforfeiture), and senior/vulnerable-consumer protection. It cross-references the 8-hour initial LTC training (florida-dfs-ltc-training-8hr-initial) for full detail and does NOT substitute for it for a never-trained producer. Completion is reported to DFS (DICE) as the producer's ongoing LTC training and is generally creditable toward CE; there is no Pearson VUE state examination.
Large practice bank included at no extra charge
Tuition includes timed Pearson VUE-style practice sets, unlimited random sessions, post-submission explanations, and randomized questions from the course bank. It is not sold as a separate paid study add-on.
- Bank
- Large
- Practice
- Unlimited
- Extra charge
- $0
Practice uses original questions aligned to the published outline; it does not reproduce live state exam questions.
- •The course final exam uses 20 randomized multiple-choice questions in 30 minutes, with a 70% passing score.
- •Unlimited practice attempts with explanations after each submission
- •Familiar interface: one question per screen, review tools, and timer
- •Randomized questions and answer positions from the large practice bank
Aligned to the published outline; no proprietary software or live state exam questions are reproduced.
Enroll online
Create your account, pay the course tuition, and start the online course.
Complete the lessons
Work through 4 hours of self-study online content with sequential lessons, active-time controls, and chapter assessments.
Pass the exam and get your certificate
Pass the 20-question final exam with 70% or higher. Your certificate is issued after identity, lessons, seat time, and exam requirements are complete.
Found a lower comparable DFS-approved course price? Send it before checkout.
$19.99 (planned) after Florida DFS CE course approval is the all-inclusive tuition. Review compares license authority, essential hours, online format, and mandatory fees.
Florida DFS reporting included
National Course Portal reports eligible completions to the Florida Department of Financial Services (DFS) through DICE using Provider #374870, after completion review. Students receive an email confirmation once the completion roster has been accepted by DICE.