Course Description

✅ Florida 24-Hour Life, Health & Annuity Insurance CE Package

Includes Florida DFS-Approved Courses | Approved Provider #374697 ✅
Only $39.99 | No Added Fees | All Reporting Fees Included

Complete your Florida insurance continuing education with one comprehensive 24-hour online package created for eligible Florida Life, Health & Annuity insurance agents.

This package combines the required 4-Hour Law & Ethics Update under CE 5-215 with 20 hours of approved elective education covering health insurance, Medicare, life insurance, retirement income, annuities, best-interest standards, long-term care insurance, consumer protection, and ethical client service.

The package is designed primarily for Florida 2-15 and 2-18 agents whose DFS MyProfile account shows CE 5-215 and a standard 24-hour continuing education requirement.

Complete all six courses online and at your own pace. You can log in and out without losing your progress, receive an instant emailed certificate after completion, and have your credits reported to Florida DFS within 24 hours.

✅ One Complete 24-Hour Florida Insurance CE Package

This package includes six Florida DFS-approved courses totaling exactly 24 hours:

✅ 4-Hour Law & Ethics Update — Life, Health & Annuity, CE 5-215

✅ 4-Hour Health Insurance & Medicare

✅ 4-Hour Life Insurance Fundamentals

✅ 4-Hour Retirement Income & Annuity Planning

✅ 4-Hour Annuity Best Interest/Suitability

✅ 4-Hour Ongoing Long-Term Care Insurance Partnership Training

Total: 24 Florida insurance CE hours

The package provides:

✅ 4 hours of required Law & Ethics Update education

✅ 20 hours of approved elective education

✅ Six Life, Health & Annuity-focused courses

✅ 100% online and self-paced access

✅ Instant emailed certificate

✅ Reporting to Florida DFS within 24 hours

✅ No added or hidden fees

✅ All applicable reporting fees included

Instead of purchasing and managing six separate registrations, you can complete all 24 hours through one affordable package for only $39.99.

✅ Who Should Take This Package?

This package is designed primarily for:

✅ Florida 2-15 Health & Life agents, including annuities and variable contracts

✅ Florida 2-18 Life and Health agents

✅ Agents whose DFS MyProfile account assigns CE 5-215

✅ Agents whose account shows the standard 24-hour CE requirement

✅ Life insurance agents who also hold health authority

✅ Health insurance agents who also hold life authority

✅ Agents working with annuities and retirement-income products

✅ Agents working with Medicare and health insurance clients

✅ Agents who sell or service long-term care insurance

✅ Insurance professionals who want all required hours in one online package

This package is especially useful for agents whose practice includes several Life, Health & Annuity product areas rather than only one limited line.

✅ Is This a Complete Florida Insurance CE Package?

For eligible Florida 2-15 and 2-18 agents whose MyProfile account shows a 24-hour requirement, this package is designed to provide the complete CE combination:

✅ 4-Hour Law & Ethics Update under CE 5-215

✅ 20 hours of approved elective education

✅ 24 total continuing education hours

Florida assigns continuing education requirements individually. Before enrolling, review your DFS MyProfile CE Status page to confirm:

✅ Your license is assigned CE 5-215

✅ Your total requirement is 24 hours

✅ You have not already completed one of the included courses during the applicable two-year period

✅ You do not qualify for a reduced elective requirement

Agents who have been licensed for six years or longer may have a reduced total-hour requirement. Your MyProfile account is the best place to confirm exactly how many hours you currently need.

✅ Important License-Type Information

This package is specifically built around the CE 5-215 Law & Ethics Update.

CE 5-215 generally applies to:

✅ Florida 2-15 agents

✅ Florida 2-18 agents

This package may not be the correct complete package for:

✅ 2-14 or 2-16 Life and Annuity-only agents, who are generally assigned CE 5-214

✅ 2-40 Health-only agents, who are generally assigned CE 5-240

Agents holding multiple licenses should review their DFS MyProfile account to determine which four-hour Law & Ethics Update course has been assigned.

✅ Florida Life, Health & Annuity CE Requirements

Florida resident Life and Health agents are generally assigned 24 hours of continuing education during each two-year compliance period.

The standard requirement consists of:

✅ 4 hours of Law & Ethics Update education specific to the license

✅ 20 hours of approved elective continuing education

For eligible 2-15 and 2-18 agents, the assigned update is generally CE 5-215.

This package provides that exact four-hour plus 20-hour combination.

Florida may reduce the elective requirement for agents who meet certain experience, education, or professional-designation criteria. Always check your individual MyProfile CE Status page before choosing a package.

✅ When Is Florida Insurance CE Due?

Florida insurance continuing education is generally due every two years during the licensee’s birth month.

Your exact compliance deadline is displayed in your DFS MyProfile account. MyProfile also shows:

✅ Your required Law & Ethics authority

✅ Your total required hours

✅ Completed courses and credits

✅ Remaining elective hours

✅ Whether reported course credits have posted

Complete your CE before the deadline so there is sufficient time for all reported hours to appear on your transcript.

✅ How to Maintain Your Florida Insurance License

Step 1: Check Your DFS MyProfile Account

Review your CE Status page and confirm:

✅ Your license type

✅ Your compliance deadline

✅ Your required number of hours

✅ Whether CE 5-215 is assigned

✅ Courses already completed

Step 2: Confirm That This Is the Correct Package

Make sure your account shows a 24-hour requirement and the CE 5-215 Law & Ethics Update.

Step 3: Enroll in the Package

Register once and receive access to all six included courses.

Step 4: Complete the Courses Online

Work through the courses on your own schedule. Log in and out whenever needed without losing your progress.

Step 5: Receive Your Instant Emailed Certificate

Your certificate is emailed immediately after you complete the applicable course requirements.

Step 6: We Report Your Credits to Florida DFS

We report completed credits to Florida DFS within 24 hours.

Step 7: Confirm That Your Credits Have Posted

Return to the CE Status section of MyProfile and verify that all completed hours appear on your transcript.

Step 8: Maintain Your Appointment and Compliance

Continue meeting all appointment, licensing, and compliance requirements that apply to your insurance activities.

✅ Courses Included in This Package

✅ 1. 4-Hour Law & Ethics Update — Life, Health & Annuity, CE 5-215

This required update course reviews the Florida laws, regulatory responsibilities, licensing standards, ethical obligations, and enforcement trends affecting Life, Health & Annuity agents.

Topics include:

✅ Florida Department of Financial Services

✅ Florida Office of Insurance Regulation

✅ Florida Office of Financial Regulation

✅ Licensing and appointment requirements

✅ Insurance agency licensing

✅ Duties of licensed and unlicensed personnel

✅ Advertising and recordkeeping requirements

✅ Recent Florida insurance-law updates

✅ Applicable federal-law updates

✅ Florida insurance ethics rules

✅ Product knowledge and suitability

✅ Ethical marketing practices

✅ Unfair or deceptive insurance practices

✅ Unauthorized products and entities

✅ Disciplinary and enforcement trends

DFS Course #138881
Course Offer ID #1241752

✅ 2. 4-Hour Health Insurance & Medicare

This course provides a practical review of health insurance and Medicare concepts for agents serving individuals, families, seniors, and employer groups.

Topics include:

✅ Health insurance cost and coverage terminology

✅ HMO, PPO, EPO, and POS plans

✅ Major medical insurance

✅ Affordable Care Act fundamentals

✅ Networks and provider arrangements

✅ Individual and group health insurance

✅ Medicare eligibility and enrollment

✅ Medicare Parts A and B

✅ Medicare Advantage

✅ Medicare Part D

✅ Medicare Supplement policies

✅ Enrollment periods and late penalties

✅ Medicare marketing requirements

✅ Senior-client protection

✅ HIPAA privacy

✅ Claims, appeals, and grievances

DFS Course #138883
Course Offer ID #1241601

✅ 3. 4-Hour Life Insurance Fundamentals

This course reviews the major forms of life insurance and the professional responsibilities involved in recommending, delivering, and servicing life insurance policies.

Topics include:

✅ Insurable interest

✅ Term life insurance

✅ Whole life insurance

✅ Universal life insurance

✅ Variable universal life insurance

✅ Policy provisions and riders

✅ Nonforfeiture options

✅ Applications and underwriting

✅ Needs analysis

✅ Beneficiary designations

✅ Settlement options

✅ Life insurance taxation

✅ Buy-sell and key-person planning

✅ Estate-planning uses

✅ Policy replacement and 1035 exchanges

✅ Senior and vulnerable-client protection

DFS Course #138879
Course Offer ID #1241611

✅ 4. 4-Hour Retirement Income & Annuity Planning

This course focuses on retirement-income challenges, annuity products, Florida best-interest standards, suitability, taxation, servicing, and ethical retirement planning.

Topics include:

✅ Longevity risk

✅ Sources of retirement income

✅ Qualified and nonqualified accounts

✅ Retirement-income risks

✅ Retirement needs analysis

✅ Fixed annuities

✅ Fixed indexed annuities

✅ Variable annuities

✅ Income annuities and payout options

✅ Annuity riders and fees

✅ Florida’s annuity best-interest standard

✅ Suitability documentation

✅ Replacement and 1035 exchange ethics

✅ Required disclosures

✅ Taxation of annuities

✅ Ongoing client reviews

DFS Course #138878
Course Offer ID #1241612

✅ 5. 4-Hour Annuity Best Interest/Suitability

This course provides focused training on Florida’s annuity best-interest requirements and the responsibilities agents must follow when making annuity recommendations.

Topics include:

✅ Best-interest obligations

✅ Consumer-profile information

✅ Care, disclosure, conflict, and documentation duties

✅ Suitability versus best interest

✅ Product-feature and risk disclosures

✅ Compensation and material conflicts

✅ Annuity replacements

✅ Section 1035 exchanges

✅ Senior and vulnerable-adult protections

✅ Fixed, indexed, and variable annuities

✅ Riders, surrender charges, and market-value adjustments

✅ Fees and opportunity costs

✅ Tax considerations

✅ Advertising and insurer supervision

✅ Florida Statute 627.4554

DFS Course #136901
Course Offer ID #1236231

✅ 6. 4-Hour Ongoing Long-Term Care Insurance Partnership Training

This course provides ongoing training for agents who work with Long-Term Care Partnership policies and need a current review of product, regulatory, suitability, claims, and documentation issues.

Topics include:

✅ Partnership-policy updates

✅ Producer-training and disclosure updates

✅ Inflation-protection requirements

✅ Long-term care underwriting trends

✅ Medicaid asset-disregard concepts

✅ Suitability and affordability

✅ Replacement considerations

✅ Elder-abuse prevention

✅ Stand-alone and hybrid LTC products

✅ Premium-rate actions

✅ Medicare and LTC coordination

✅ Benefit triggers and claims

✅ Annual client reviews

✅ Documentation and compliance records

✅ Client follow-up planning

DFS Course #136902
Course Offer ID #1236230

✅ Important Annuity Training Information

Florida requires agents who engage in the sale of annuity products to complete a one-time four-hour annuity training course.

The included Annuity Best Interest/Suitability course is a Florida DFS-approved course designed to address that training requirement while also providing four hours of continuing education credit.

Agents should confirm their annuity-training status before selling annuity products and complete any carrier-specific product training separately.

✅ Important Long-Term Care Training Information

The Long-Term Care Insurance Partnership course included in this package is an ongoing four-hour training course.

Agents who have not completed any required initial Long-Term Care Partnership training should not rely on this ongoing course as a substitute for initial training. Confirm your product-training history and carrier requirements before selling Partnership policies.

✅ What You Will Learn

This six-course package gives Florida Life, Health & Annuity agents a broad review of the laws, products, planning concepts, and ethical responsibilities that affect their work.

Major subject areas include:

✅ Florida insurance laws and regulatory agencies

✅ Licensing, appointments, advertising, and recordkeeping

✅ Ethics, suitability, and best-interest responsibilities

✅ Health insurance and Affordable Care Act fundamentals

✅ Medicare Parts A, B, C, and D

✅ Medicare Supplement coverage

✅ Life insurance products and underwriting

✅ Beneficiaries, taxation, and policy replacement

✅ Retirement-income risks and planning

✅ Fixed, indexed, and variable annuities

✅ Florida annuity best-interest requirements

✅ Long-term care insurance and Partnership policies

✅ Medicaid asset-disregard concepts

✅ Senior and vulnerable-client protection

✅ Consumer disclosures and documentation

✅ Claims, appeals, grievances, and client service

✅ E&O prevention and compliance recordkeeping

✅ Save $55.95 With This Package

Purchased separately, the six included courses would cost:

✅ 4-Hour Law & Ethics Update — $15.99

✅ 4-Hour Health Insurance & Medicare — $15.99

✅ 4-Hour Life Insurance Fundamentals — $15.99

✅ 4-Hour Retirement Income & Annuity Planning — $15.99

✅ 4-Hour Annuity Best Interest/Suitability — $15.99

✅ 4-Hour Ongoing LTC Partnership Training — $15.99

Total individual price: $95.94

Package price: $39.99

Your savings: $55.95

There are no added fees, and all applicable reporting fees are included in the package price.

✅ Why Choose 1st Choice CE?

✅ Includes six Florida DFS-approved courses

✅ Approved Provider #374697

✅ Designed for eligible Florida 2-15 and 2-18 agents

✅ Required CE 5-215 Law & Ethics Update included

✅ 20 hours of approved elective education included

✅ Annuity best-interest training included

✅ Ongoing LTC Partnership training included

✅ Only $39.99

✅ Save $55.95 compared with individual prices

✅ No added or hidden fees

✅ All reporting fees included

✅ 100% online and self-paced

✅ Log in and out without losing progress

✅ Instant emailed certificate

✅ Completion reported to Florida DFS within 24 hours

✅ Money-back guarantee

✅ More than 10 years of continuing education experience

✅ Phone or text support at 1-800-698-2770

✅ Enroll Now – Complete All 24 Hours for Only $39.99

Complete your Florida Life, Health & Annuity insurance CE through one convenient online package. Get the required CE 5-215 Law & Ethics Update, 20 hours of relevant elective education, annuity and LTC-focused training, instant certification, fast DFS reporting, and no added fees.

✅ Included Courses With Individual Links

✅ 4-Hour Law & Ethics Update — Life, Health & Annuity, CE 5-215 — $15.99

✅ 4-Hour Health Insurance & Medicare — $15.99

✅ 4-Hour Life Insurance Fundamentals — $15.99

✅ 4-Hour Retirement Income & Annuity Planning — $15.99

✅ 4-Hour Annuity Best Interest/Suitability — $15.99

✅ 4-Hour Ongoing Long-Term Care Insurance Partnership Training — $15.99

✅ Looking for Florida Property & Casualty CE?

✅ Florida 24-Hour General Lines & Personal Lines CE Package — $39.99

✅ Florida 20-Hour General Lines & Personal Lines CE Package — $34.99

✅ Frequently Asked Questions

Is this package approved by the Florida Department of Financial Services?

The six individual courses included in the package are approved by Florida DFS. 1st Choice Continuing Education is Approved Provider #374697.

How many CE hours are included?

The package includes 24 total hours of Florida insurance continuing education.

Who is this package designed for?

It is designed primarily for eligible Florida 2-15 and 2-18 agents whose MyProfile account shows CE 5-215 and a 24-hour requirement.

Does this package include the required Law & Ethics Update?

Yes. It includes the 4-Hour Law & Ethics Update under course authority CE 5-215.

How many elective hours are included?

The package includes 20 hours of approved elective insurance education.

Is this package correct for a Florida 2-14 agent?

Not usually as a complete package. Florida 2-14 and 2-16 Life and Annuity agents are generally assigned CE 5-214 rather than CE 5-215. Check MyProfile before enrolling.

Is this package correct for a Florida 2-40 Health agent?

Not usually as a complete package. Florida 2-40 Health agents are generally assigned CE 5-240. Check MyProfile to confirm your required update authority.

What if I have been licensed for six years or more?

Agents licensed for six years or more may have a reduced elective requirement. Review your MyProfile account to determine whether you need fewer than 24 total hours.

Does the package satisfy Florida’s one-time annuity training requirement?

The included DFS-approved Annuity Best Interest/Suitability course is designed to address Florida’s one-time four-hour annuity training requirement and also provides four CE hours. Confirm your training status before selling annuity products.

Does the annuity course replace carrier training?

No. Insurers may require separate product-specific or carrier certification before an agent sells their annuity products.

Is the Long-Term Care course initial or ongoing training?

It is a four-hour ongoing Long-Term Care Insurance Partnership course. It should not be used as a substitute for required initial LTC training.

Can all 24 hours be completed online?

Yes. All six included courses are online and self-paced.

Can I log in and out without losing my progress?

Yes. Your progress is saved so you can return and continue where you stopped.

Will I receive a certificate?

Yes. You receive an instant emailed certificate after completing the applicable course requirements.

Do you report my credits to Florida DFS?

Yes. Completed course credits are reported to Florida DFS within 24 hours.

Does the $39.99 price include reporting fees?

Yes. There are no added fees, and all applicable reporting fees are included.

How much would the courses cost separately?

The six courses would cost $95.94 if purchased individually. The package costs $39.99, saving you $55.95.

When is Florida insurance CE due?

Florida insurance CE is generally due every two years during the licensee’s birth month. Check MyProfile for your exact deadline.

Can I repeat a course that I recently completed?

Florida generally does not award CE credit when the same course is repeated within two years. Review your transcript before enrolling.

Does completing this package automatically renew my license?

The package provides applicable continuing education credits, and we report completed courses. You remain responsible for confirming compliance in MyProfile and maintaining any required appointment.

Is there a money-back guarantee?

Yes. This package is backed by our money-back guarantee.

 

Course Details

• Approved by the Florida Department of Financial Services
• Approved Provider #374697
• Instant Access - Online Course.
• Study At Your Own Pace. Anytime.
• On Any Device. Phone, Tablet, or Computer.
• Hassle Free Navigation. Easy to Follow.
• Certificate emailed immediately upon completion.
• 1-800-698-2770 for any questions.