A Florida life and health agent has been licensed for 5 years. What continuing education must the agent complete each compliance period?

Why C is correct

Under Fla. Stat. 626.2815(3) and F.A.C. 69B-228.220, an agent licensed fewer than 6 years must complete 24 hours of continuing education every 2 years, including the 4-hour law and ethics update course specific to the license held. The 4-hour update course is current law: the 2021 5-hour version was rolled back by chapter 2023-144, and the old textbook figure of 3 hours of ethics is abolished.

Why the other options are wrong

• A) The 20-hour tier applies to agents with 6 or more years in the business, and the 5-hour course is the superseded 2021 version, not current law.
• B) The 10-hour tier is only for agents with 25 or more years who hold a CLU, CPCU, or qualifying degree, and the 3-hours-of-ethics figure is the abolished old rule.
• D) The 24-hour total is right for this agent, but the required core is the 4-hour law and ethics update course, not 6 hours of ethics electives.

Memory hook

4-hour update course is current law; totals run 24/20/10 by experience.

Why D is correct

Under Fla. Stat. 626.2815(3), an agent with fewer than 6 years in the business must complete 24 hours of continuing education each 2-year cycle, consisting of a 4-hour law-and-ethics update course specific to the license held plus 20 elective hours. The 4-hour update course is current law - the 5-hour version was rolled back by chapter 2023-144, and the old 3-hour ethics figure is abolished. CE is due by the last day of the birth month after each 24-month span, and CE compliance precedes appointment issuance, continuance, and reinstatement under F.A.C. 69B-228.220.

Why the other options are wrong

• A) The 20-hour total applies to agents with 6 or more years in the business, and the 3-hour ethics course is the abolished old figure.
• B) The law-and-ethics update course is mandatory for every licensee; electives alone do not satisfy the requirement.
• C) The 10-hour tier applies to licensees with 25 or more years who hold CLU/CPCU or a qualifying degree, and the 5-hour course is the rolled-back 2021 version.

Memory hook

Under 6 years: 24 hours = 4-hour update + 20 electives.