One CE Requirement, Even With Multiple Licenses

In Florida, CE is attached to you as the licensee, not to each individual license. That means a single person with several Florida insurance licenses has one CE requirement per compliance cycle, instead of separate hours for each license.

For most resident agents and adjusters:

• If you have been licensed for fewer than 6 years, you typically need 24 total CE hours every 2-year period (including the Law & Ethics Update).
• If you have been licensed for 6 or more years, you typically need 20 total CE hours every 2-year period (including the Law & Ethics Update).

These hours are calculated once per person and apply across all of your qualifying licenses under that CE framework.

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Law & Ethics Update: Only One Per Cycle

Within your total CE hours, Florida requires a 4-hour Law & Ethics Update each compliance cycle. This update must be specific to at least one of your license types, such as a General Lines update for a 2-20 or a Life & Health update for a 2-15.

If you hold multiple licenses, you still only need one 4-hour Law & Ethics Update per cycle. As long as the course is properly designated for one of your active licenses and reported to your DFS transcript, it satisfies the law-and-ethics requirement for all licenses that share the same CE rules.

How Elective CE Hours Work With Multiple Licenses

After you complete the required 4-hour Law & Ethics Update, the rest of your hours are considered elective CE. These elective hours can come from any Florida DFS-approved CE course that meets the applicable rules.

Elective hours are tracked on your single CE transcript in your MyProfile account. When you complete a course:

• The hours post once to your record.
• They count toward your overall elective requirement for that cycle.
• They simultaneously help satisfy CE obligations for all eligible licenses you hold.

You do not need to repeat elective courses separately for each license; your elective hours are effectively shared across those licenses.

License Types That Share CE Elective Credits

Most resident “major line” licenses in Florida share this common elective-hour pool. For agents, this typically includes:

• Life and/or Health (such as 2-14 or 2-15)
• General Lines (2-20)
• Personal Lines (20-44)
• Certain Customer Representative licenses like 4-40, when they fall under the same CE statute

Adjuster licenses usually follow the same pattern. Licenses such as the All-Lines Adjuster and Public Adjuster also use a structure that includes a 4-hour update plus elective hours, with completed electives applied to the individual’s overall requirement rather than to each license separately.

When CE Sharing May Not Apply

Some license categories are treated differently and may not follow the exact same shared-credit model. For example, title insurance agents are carved out of the standard 4-hour Law & Ethics Update structure and have their own requirements.

Nonresident licensees whose CE is based on their home state may also have separate rules, and Florida-approved CE courses do not automatically satisfy another state’s CE unless that state grants reciprocity. Always review your specific license requirements in your official portal or with the Florida Department of Financial Services.

Do CE Elective Hours Count Toward Multiple Licenses?

Yes. As long as a CE course is properly approved and reported to your Florida CE transcript, the elective hours earned count toward your single overall CE requirement. If you hold multiple licenses that fall under the same CE framework, those elective hours help you satisfy all of those licenses at once.

This is why Florida’s system is often described as “one person, one pool of CE hours.” You focus on meeting the total hours and category requirements, and the system applies those hours across the relevant licenses you hold.

Excess CE Hours and Rollover to the Next Period

Many professionals complete more CE hours than the minimum required in a given cycle. In Florida, excess CE hours can roll over into your next compliance period instead of being lost.

In practice, this means:

• If you exceed your required total for the current 2-year period, the extra hours can be applied to your next CE cycle.
• These rollover hours reduce the number of new elective hours you must complete next time, across all licenses that share your CE framework.

However, remember that cycle-specific courses—such as the 4-hour Law & Ethics Update—must still be completed in each new compliance period. You cannot satisfy a future cycle’s Law & Ethics requirement solely with rollover hours from a prior cycle.

Practical Tips for Planning Your Florida CE

To make the most of shared elective credits and rollover rules, consider these simple strategies:

• Pick the right update: Choose a Law & Ethics Update that matches the license you use most (for example, General Lines or Life & Health).
• Bundle training smartly: If you are pursuing professional designations or carrier training, schedule those courses so any excess hours post before your compliance deadline, giving you rollover hours for the next period.
• Monitor your transcript: Log in to your MyProfile account regularly to confirm that:
  • Courses are reported correctly.
  • Your total and category requirements are met.
  • Any rollover hours are reflected for the upcoming cycle.

When used well, Florida’s shared-credit and rollover structure can make staying compliant more flexible and less stressful.

Disclaimer

This article is for general informational purposes only and is not legal, tax, or regulatory advice. Always verify your current CE requirements directly with the Florida Department of Financial Services or a qualified compliance professional, as rules can change and specific circumstances can differ.

Florida Insurance CE: Frequently Asked Questions

Do I need separate CE hours for each Florida insurance license?

No. Florida typically requires one pool of CE hours per person, not per license. Your completed hours apply across all qualifying licenses that share the same CE framework.

How many total CE hours do I need in Florida?

Most resident agents and adjusters need 24 hours every 2 years if licensed fewer than 6 years, or 20 hours every 2 years if licensed 6 or more years. These totals include the 4-hour Law & Ethics Update.

Can CE elective hours count toward multiple licenses?

Yes. Elective CE hours from approved courses post to your single Florida CE transcript and are used to satisfy your overall elective requirement, effectively applying to multiple licenses that share the same CE rules.

Do I need more than one Law & Ethics Update if I have multiple licenses?

No. You generally need only one 4-hour Law & Ethics Update per compliance cycle, tied to at least one of your license types. This course satisfies the update requirement for all licenses under that CE framework.

Do excess CE hours roll over in Florida?

Yes. If you complete more hours than required in a given period, those excess hours can roll into your next compliance cycle for electives. However, you must still complete the new cycle’s specific Law & Ethics Update.

Are there Florida license types that do not share electives in the same way?

Some categories, such as title insurance agents and certain nonresident scenarios, may follow different rules. Always review your specific license requirements in your official state portal or with the Florida Department of Financial Services.