Florida

Yes

Yes

Within 45 days of appointment effective date

Appointments must be submitted within 45 days of the appointment effective date, which is determined by the carrier and listed on the appointment form

Yes

$60

$60 additional per county and a $6 fee must be paid for every county in which a nonresident agent intends to physically transact insurance. Nonresident Adjusters do not pay a county fee.

No

No

Yes

Required. Date effective is the date supplied on transaction. Effective date must not precede effective date of appointee license. Effective date must not precede effective date of appointer license. Effective date must not be in the future.

Yes

Florida portal

Every 24 months during the appointee's birth month

$60 per appointment

Yes

Yes

Yes

Voluntary termination; death; request regulatory review

Yes

Required and is the date supplied on transaction. Must be 33 days old or less and precede the effective date of the appointment. Must not be in the future

Although Florida licenses are perpetual, operating without an appointment can cause your license to be placed inactive. Additionally, failure to complete CE can cause a license to go inactive, which in turn will cancel appointments If there is a contract between the producer and the carrier, and the contract states the notification can be via email, then email is permissible.

No fee

No

Email notices are permitted

Within the email body text

Resident New License Insurance Producer: $50 (all lines except Title) Nonresident New License Insurance Producer: $50 (all lines except Title)

Florida licenses are perpetual and do not require renewal. However, if a producer doesn't complete required CE by the deadline (last day of the producer birth month every 2 years based on year of first state license issue), then the state will place the license into inactive status.

N/A

None, perpetual

No

Yes

Residence, Business, and Mailing

Agent, Managing General Agent, Third Party Administrator, Donor Annuity, Home Warranty Association, Life and Health Insurer, Motor Vehicle Service Agreement Company, Property/Casualty Insurer, Rating Organization, Risk Retention Group, Broker, Risk Purchasing Group, Public Adjuster, Adjuster, Service Representative, Manager, Miscellaneous, Designated Home State Adjuster

No

Included in Producer License Class. Insurers are not required to appoint Brokers per NAIC PLMA

While the Florida Department of Financial Services Bureau of Licensing said “Florida does not differentiate between brokers and producers,” the state allows agents to have an “unaffiliated” status if they are “self-appointed.” In this capacity, Florida recognizes that self-appointed agents are acting as independent insurance consultants – they can’t have an affiliation or appointment with any other agency or carrier. Further, they are forbidden from receiving any commissions or incentives from the carriers on products they negotiate during the period they are unaffiliated

Yes

Classroom / monitored self study

The provider submits proof of completion. The individual must submit transcript for college credit with application.

Course completion certificate is valid for 4 years

An individual who was or became qualified to sit for the agent's or adjuster's examination while he/she was employed by the Department or Office and who had responsible insurance duties as a full-time employee may take an examination if application for the examination is made within 4 years after employment termination. Individuals holding a limited license for travel, motor vehicle rental, credit, in-transit and storage personal property, or portable electronics are not subject to the pre-licensing education requirements.

Life agent license applicants must complete 1 of the following methods of prelicense education within 4 years before application: a. 30 hours of coursework in life insurance, annuities, and variable contracts, including 3 hours of ethics (courses must include instruction on unauthorized entities engaging in the business of insurance); b. 60 hours of approved coursework covering multiple areas of insurance, including life insurance, annuities, variable contracts, and 3 hours of ethics (courses must include instruction on unauthorized entities engaging in the business of insurance); c. an active ChFC, FMLI, or CLU designation; d. hold an active life insurance license in a reciprocal state; or e. at least 1 year of employment with the Department or Office, if: I. the employment was full time in life insurance regulatory matters; II. was not terminated for cause; and III. application for examination is made within 4 years after termination of this employment. Health agent license applicants must complete 1 of the following methods of pre-license education within 4 years before application: a. 40 hours of approved coursework in health insurance, including 3 hours of ethics (courses must include instruction on unauthorized entities engaging in the business of insurance and the Florida Nonprofit Multiple-Employer Welfare Arrangement Act and the Employee Retirement Income Security Act, as it relates to the provision of health insurance by employers to their employees and the regulation thereof); b. 60 hours of approved coursework covering multiple areas of insurance, including health insurance, and 3 hours of ethics (courses must include instruction on unauthorized entities engaging in the business of insurance); c. an active CLU, RHU, ChHC, REBC, CEBS, or HIA designation; d. hold an active health insurance license in a reciprocal state; or e. at least 1 year of employment with the Department or Office, if: I. the employment was full time in health insurance regulatory matters; II. was not terminated for cause; and III. application for examination is made within 4 years after termination of this employment. An applicant for a general lines agent's license may not be licensed unless, within the 4 years immediately before application, the applicant has: a. taught or successfully completed 200 hours of courses covering property, casualty, surety, health, and marine insurance, including 3 hours of ethics; b. completed at least 1 year as a full-time employee in all lines of property and casualty insurance, without the education requirement in (a) above; or c. completed 1 year as a licensed and appointed customer representative, service representative, or personal lines agent and 40 hours of Department-approved coursework covering property, casualty, surety, health, and marine insurance. An applicant for a personal lines agent license may not be licensed unless, within the 4 years immediately before application, the applicant has: a. taught or completed 60 hours of coursework in property, casualty, and inland marine insurance, including 3 hours of ethics; b. completed at least 6 months as a full-time employee in of property and casualty insurance sold to individuals or families for noncommercial purposes, without the education requirement in (a) above; or c. completed at least 6 months as a licensed and appointed customer representative, limited customer representative, or service representative in property and casualty insurance

Yes, for both Residents and Nonresidents

Florida applicants must be fingerprinted by MorphoTrust USA. To register and pay for fingerprinting, go to www.L1enrollment.com/FLInsurance. Additional information can be found on Florida's website at http://www.myfloridacfo.com/Division/Agents. If you submitted fingerprints to Florida in the last 12 months, you're not required to submit fingerprints. If you currently hold a valid Florida license and submitted fingerprints within the last 48 months, you're not required to submit fingerprints.

Pearson VUE

One Year

Non-citizens must submit a copy of your work authorization documentation to agentlicensing@myfloridacfo.com

NIPR Gateway

After license application submission, please setup a MyProfile account at the state of Florida in order to monitor the status of the transaction. MyProfile account can be setup at: https://DICE.fldfs.com

None

No Renewals

Yes

Licensees and navigator registrants must notify the Department in writing within 30 days after a change in name, residence address, principal business street address, mailing address, contact telephone numbers (including business numbers), or e-mail address. Contact Change Request supported via NIPR Gateway or an be completed on FL MyProfile portal.

Licensees must mail or email the request to change your name, date of birth, or social security number. You must attach LEGIBLE supporting documentation (marriage certificate, articles of incorporation, driver's license, social security card, etc.) to one of the locations below.
- Florida Department of Financial Services
- Bureau of Agent and Agency Licensing
- 200 E. Gaines Street, Room 419
- Tallahassee, FL 32399-0319
- AgentLicensing@MyFloridaCFO.com

Failure to report a change will result in a maximum fine of $250 for the first offense. A fine of at least $500 will be imposed, or suspension or revocation of the license, for any subsequent offenses.

Optional

Yes

No

DRLP must have active appointment for at least one major LOA (life, health, general lines, life & variable annuities, personal lines).

License is perpetual as long as agent in charge is licensed.

Yes

Not required, but the agency can only transact business for the lines of authority their agents are licensed and appointed for.

License not required but branch must be registered

Licensees and navigator registrants must notify the Department in writing within 30 days after a change in name, residence address, principal business street address, mailing address, contact telephone numbers (including business numbers), or e-mail address. Contact Change Request supported via NIPR Gateway.

Yes

Yes

AK, AL, AR, AZ, CT, GA, HI, ID, IN, KY, LA, ME, MI, MN, MS, MT, NC, NH, NM, NV, OK, OR, PR, RI, SC, TX, UT, VT, WA, WV, WY

CA, HI, NY,

All-Lines

Initial Licensing & Application Fee: $50 Independent Adjuster Appointment Fee: $60 No Renewal Fee

Yes

Public Adjuster Apprentice License

Licensing Fee: $50 Appointment Fee: $60

6 Months

6 Months minimum or 100 hours within 12 months to become licensed.

Perpetual. No renewal is required. The license will expire if no appointment has been held in 48 months.

A surety bond of $50,000 is required and one also go through an apprenticeship to become fully licensed or 12 months of equal experience.

All-Lines

Licensing Fee: $50 Appointment Fee: $60

Yes

Emergency licenses will last 180 days past their activation date. The individuals must be an accepted adjuster (independent or business) and pay all applicable fees. As of Aug. 2023, applications can be completed via the Florida portal via MyProfile: https://dice.fldfs.com/public/pb_index.aspx.

Yes

CT, DE, KY, LA, NV, NH, NM, NC, OK, RI, SC, TX, VT, WV, WY

Yes

An individual will need to apply for and obtain the 6-20/7-20(R and NR) All Lines Adjuster license and then obtain the appropriate appointment.

Yes

24

2 years

Last day of birth month

Year of first license issuance

Yes

On the last day of the licensee's birth month, biennially.

Those licensed for 6 years must maintain 20 hours CE, 5 for ethics and 15 elective. Those licensed for 25 years or more, and those who are CLUs or CPCUs, or who have an insurance-specific bachelor of science degree must maintain 10 hours of CE per cycle, with 5 ethics and 5 elective.

Although the license is perpetual, Florida may issue a fine and terminate your carrier appointments and refuse to reinstate new appointments until you make up the CE and pay your fine.

Yes

Yes

Up to 24 hours

5 hours Florida law and ethics

3 hours of NFIP courses

8-hour initial certification, with 4 hours of LTC-specific training each renewal cycle thereafter

One-time, 4-hour course (in addition to any product-specific training the insurance carrier deems necessary)

https://dice.fldfs.com/public/pb_index.aspx

Non-agent customer representatives and industrial fire license holders have 10 hours of CE (5 ethics, 5 elective) Bail bond agents must complete 5 hours ethics plus 9 hours electives Title agents must complete a minimum of 10 hours with 3 ethics (Florida doesn't recognize state reciprocity for nonresident title agent CE)

https://agentsync.io/blog/individual-producers/insurance-continuing-education-florida