A Florida agent has been licensed for 5 years. Which statement about her continuing education requirement is correct?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Under Fla. Stat. 626.2815(3) and F.A.C. 69B-228.220, a licensee in the business fewer than 6 years must complete 24 hours of continuing education each 2-year period - the 4-hour law-and-ethics update course specific to the license held plus 20 elective hours. The current law is a 4-hour update course; the old '3 hours ethics' textbook figure is abolished (the 2021 5-hour version was rolled back by ch. 2023-144), so the 4-hour update course is current law and '3 hours' survives only as a distractor. Because she has been licensed 5 years, the 24-hour tier applies, and CE compliance is due by the last day of her birth month after each 24-month span.
Why the other options are wrong
- A) 10 hours applies only to licensees with at least 25 years in the business who hold CLU/CPCU or a qualifying degree - and the required core is the 4-hour update course, not 3 hours of ethics.
- B) The 20-hour tier applies to licensees with at least 6 years in the business; at 5 years she falls under the 24-hour tier.
- C) Every tier requires the 4-hour law-and-ethics update course specific to the license held; electives alone never satisfy the requirement.
Memory hook
Under 6 years = 24h, 6 or more = 20h, 25 or more with CLU/CPCU = 10h - always with the 4-hour update.