Insurance License Renewal in Florida (2026)

Insurance license renewal in Florida is handled by the Florida Department of Financial Services, Division of Insurance Agent and Agency Services, which requires Insurance Producer (Agent)s to renew every 24 months. Below are the renewal deadline rule, continuing-education (CE) hours, fees, and a direct link to the official renewal page — last verified 2026-06-01. This is an unofficial guide; always confirm the details with the board before you file.

Florida Insurance renewal at a glance

Renewal cycle	24 months
Deadline rule	Florida resident insurance agent (producer) licenses are perpetual and do not require a renewal application. The recurring obligation is continuing education, which must be completed by the last day of the licensee's birth month on a 24-month cycle. Separately, appointments must be renewed every 24 months during the appointee's birth month.
CE hours required	24 hours
Renewal fee	see board (fee not fixed/published)
Online renewal	Yes
CE tracking system	MyProfile (state DFS portal); NIPR/LicenseHub also used for some licensing transactions
Governing body	Florida Department of Financial Services, Division of Insurance Agent and Agency Services

Go to the official Florida Department of Financial Services, Division of Insurance Agent and Agency Services renewal page →

Last verified 2026-06-01 from the Florida Department of Financial Services, Division of Insurance Agent and Agency Services. automated research workflow (official florida Department of Insurance), confidence high.

Continuing-education requirements for Insurances in Florida

For standard resident major-lines agents (Life, Health, Life & Health, General Lines, Personal Lines) licensed less than 6 years: 24 hours per 24-month cycle, consisting of a 4-hour Law and Ethics Update course specific to the license type plus 20 elective hours. Agents licensed 6 or more years have a reduced requirement of 20 hours (per s. 626.2815, F.S.). CE is due by the last day of the licensee's birth month every 2 years. The same course cannot be repeated within a 2-year period, and up to 24 excess hours may carry over. Certain license types have variations (e.g., title agents have a different Ethics/Compliance breakdown). No general-purpose statewide flood/LTC/annuity-suitability CE hour mandate is published on the main CE page for standard producers.

Need approved hours? Compare Florida Insurance CE courses (some links are affiliate links).

How to renew your Insurance license in Florida

Confirm your renewal deadline and current status on the Florida Department of Financial Services, Division of Insurance Agent and Agency Services portal.
Complete the required 24 CE hours and confirm they appear in MyProfile (state DFS portal); NIPR/LicenseHub also used for some licensing transactions.
Submit the renewal application and pay the current fee online.
Keep proof of CE and your renewal confirmation for your records.

Good to know: Florida is a perpetual-license state: there is NO license renewal application and NO license renewal fee for resident agents/producers, so renewal_fee_usd is null by design. A license expires only if it goes 48 months without an active appointment. Instead of license renewal, agents must (1) keep CE current by the last day of their birth month every 24 months, and (2) renew appointments every 24 months at $60 per appointment, with a statutory $25 late fee per appointment if paid late (the $25 captured in late_fee_usd reflects the appointment late fee, the only published recurring late charge). CE non-compliance triggers a Preliminary Notice of Non-Compliance (~45 days after the deadline) and typically a $250 fine via a Stipulation Agreement; unsigned stipulations lead to appointment cancellation. The 24-vs-20-hour experience tier comes from s. 626.2815, F.S.; the main CE page shows the 4+20 standard breakdown but does not itself display the 6-year reduction text.

Insurance license renewal in Florida: frequently asked questions

How often do I renew my Insurance license in Florida?

Florida Insurance licenses renew every 24 months. Florida resident insurance agent (producer) licenses are perpetual and do not require a renewal application. The recurring obligation is continuing education, which must be completed by the last day of the licensee's birth month on a 24-month cycle. Separately, appointments must be renewed every 24 months during the appointee's birth month.

How many CE hours are required to renew an Insurance license in Florida?

Approximately 24 continuing-education hours per cycle. For standard resident major-lines agents (Life, Health, Life & Health, General Lines, Personal Lines) licensed less than 6 years: 24 hours per 24-month cycle, consisting of a 4-hour Law and Ethics Update course specific to the license type plus 20 elective hours. Agents licensed 6 or more years have a reduced requirement of 20 hours (per s. 626.2815, F.S.). CE is due by the last day of the licensee's birth month every 2 years. The same course cannot be repeated within a 2-year period, and up to 24 excess hours may carry over. Certain license types have variations (e.g., title agents have a different Ethics/Compliance breakdown). No general-purpose statewide flood/LTC/annuity-suitability CE hour mandate is published on the main CE page for standard producers. Confirm the current requirement with the Florida Department of Financial Services, Division of Insurance Agent and Agency Services.

Can I renew my Florida Insurance license online?

Yes — Florida offers online renewal through the Florida Department of Financial Services, Division of Insurance Agent and Agency Services. Use the official link on this page.

What happens if I let my Florida Insurance license expire?

Practicing on an expired license is generally prohibited and can carry penalties. A late fee of about $25 may apply. Contact the Florida Department of Financial Services, Division of Insurance Agent and Agency Services promptly if your license has lapsed.

Renew the same license in another state

All states: Insurance Producer (Agent) renewal