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    Sandi Kruise Insurance Training
    Your Best Choice for Insurance Education
    800-517-7500, 8:30am-3:30pm PST

    Unlimited CE Subscription - FLORIDA fl_sub

    License Type : Accident, Health, Life, Casualty, Property, Ethics, Long Term Care, General, Variable, Senior Suitability, Hurricane Loss Mitigation
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    Note: A monitor must be present while taking this exam. Please click "Monitor" below for the monitor form and more information.

    Click the Course List tab below to view all courses included in this subscription.

    • Description
    • State Information
    • Course List
    • Redeem Vouchers
    • CE Subscriptions
    • Course Format
    • Monitor Information

    California State Requirements

    Updated: 12/13/2013

    IMPORTANT: California will not be mailing out renewals or notifications, please read this official notice from the state!
    (Click Here)

    Continuing Education Hours

    • Life agent or fire and casualty broker-agent: 24 hours annually.
    • *Producers who renew on or after January 31, 2014: 24 CE hours, including 3 hours of ethics are required every 2 year license term (see license term below). California has category restrictions. See CE Subject Requirements below. 
    • Personal lines broker-agent: 10 hours annually.
    • Video explanation: http://www.youtube.com/watch?v=j5MQWzvq8HU
    • How to check how many units you need online: http://www.youtube.com/watch?v=XLtv3cbXD8o

    Course Subject Requirements

    • Courses must be approved for lines of insurance for which license is held.
    • Ethics Requirement: Life, Fire and Casualty agents are required to complete 4 hours of approved Ethics hours. Personal Lines agents are required to complete 2 hours of approved Ethics hours. The Ethics hours are to be included in the total number of hours required. Agents and brokers not completing the Ethics CE prior to the expiration date of their license will NOT be allowed to renew their license until this requirement has been met.
    • Annuity Requirement: All California agents who sell annuities must complete an 8 hour state-approved Annuity Training course prior to selling annuities. In addition to the one-time 8-hour Annuity Training course, agents continuing to sell annuities must complete a 4-hour state-approved Annuity CE course each subsequent compliance period.
    • Long-Term Care: Individuals who sell long-term care products in California must complete 8-hours of California LTC annually for the first four years, then eight hours biennially thereafter.
    • California Partnership Long-Term Care: Individuals who sell California Partnership for Long-Term Care products must obtain eights hours of specific partnership LTC and eight hours of California-approved LTC credits before soliciting. Thereafter, eight hours in each type of LTC CE courses must be completed biennially. However, a new licensee must complete eight hours of California-approved LTC annually for the first four years of licensure, and eight hours in partnership LTC biennially. These courses apply toward the completion of the basic CE requirement and must be fulfilled in a state-approved classroom.
    • 24 Hour Coverage Requirement: Life agents who wish to sell the combined Group Health and Workers Compensation plan known as "24 Hour Coverage" must complete a specific, California-approved, four-hour course before solicitation. This course will only need to be taken once, and the credits can be used to meet the basic CE requirement. Individuals not licensed as a life agent or who have not held a life agent license for more then a year are required to complete 15 hours of education related to life settlements and life settlements transactions, prior to operating as a life settlements broker.
    • Flood Insurance Requirement: All California fire and casualty producers who sell federal flood insurance policies must complete a one-time 3 hour course relating to National Flood Insurance Program (NFIP) training.
    • Homeowners Valuation Insurance Requirement: All California fire and casualty broker-agents and personal line broker-agents who negotiate or sell homeowners' (HO) insurance will be required to complete a one-time 3-hour homeowners' insurance valuation training course.
    • Limited Lines Automobile Insurance Producers: 20 CE hours, including 2 hours of ethics are required every 2 year license term.

    License Term

    • Life and Health, Property and Casualty, Limited Lines: the license term is the last day of the license issuance month every 2 years. For example, if you were initially licensed on June 3, 2009 your renewal date would be June 30, 2011.
    • Personal Lines:
      • Licensed before Jan 1, 2009 - the license term is every ODD year on December 31st. If a personal lines broker-agent has an additional license(s) with a different renewal date, then all licenses will renew with the same license term as that of the original license issued.
      • Licensed after Jan 1, 2009 - the license term is the last day of the license issuance month every 2 years.
    • Independent and Public Adjuster: the license term is every EVEN year on May 31st.
    • Life Settlement Brokers
      • For individuals not currently licensed as a life settlement broker and who do not hold a life agent license or have held the life agent license for less then one year, the license must be renewed on an annual basis. If the individual holds a life agent license, on the one year anniversary of the life agent license the life settlement broker becomes eligible for the two year life settlement notification.
      • For individuals not currently licensed as a life settlement broker, but who are licensed as a life agent for at least a year will need to pay the life producer notification fee of $128 to become a life settlement broker, which is good for a two year period. The license will need to be renewed on the same date as the life agent license expires.
      • Individuals licensed prior to July 2, 2010 as a life settlement broker who have also been licensed as a life agent for at least one year will be initially issued a two-year life producer notification of Brokering Life Settlements that corresponds with their life agent license. The life producer notification will need to be renewed on the same date as the life agent license expires.
      • Individuals licensed prior to July 2, 2010 as a life settlement broker who do not hold a life agent license or who have held a life agent license less than one year will be initially issued a one-year life settlement broker license.  After one year they will either apply to renew the one-year life settlement broker license or if qualified, renew for a two-year life producer notification.

    Continuing Education Compliance Date

    All continuing education credits must be achieved by the date of the license renewal.

    The license renewal date is the last day of the license issuance month, biennially. Personal lines renewal is 12/31 biennially.

    Types of Courses Accepted for CE Credit

    Independent self-study courses (except for partnership LTC credits & bail agent CE) and classroom study.

    Final Exam

    Self-study final exams are not required to be monitored, except for courses approved specifically to meet the "24 hour Coverage" requirement, which must be monitored by a disinterested third party (i.e., someone with no financial dependency on the student).

    Carryover Requirements

    Excess hours may be carried forward to the next year. Excess hours from an approved ethics, annuity or LTC course are carried over as general credit only.

    Course Repetition

    A course may not be taken for credit more than once within a 2-year license term. Within the first 4 years of selling LTC products, producers may only repeat an LTC course every 24 months from the original course completion date.


    • Individuals who have held a life agent license for at least one year or who obtained a life settlement broker license prior to July 2, 2010 are exempt from the 15 hour life settlement broker training course requirement.  This does not include an exemption from the life agent CE requirement of 24 CE hours, including 3 hours of ethics.
    • The producer holds a nonresident license and does NOT sell annuities, LTC, LTC partnership, or flood products.
    • Nonresident adjusters
    • Cargo Shipper's Agents.
    • Agents who are 70 years or older and have held a California insurance license in good standing for 30 years or more. These agents must still meet the long-term care and CA Partnership long-term care requirement if they choose to solicit long-term care products. In order to be exempt from CE if you meet the above requirements, you must fax a written request for exemption to the DOI at: 916 327 6907 with your name, license number and a statement that you are over 70 with more than 30 continuous year in the business.
    • The producer holds a life license and claims a funeral exemption (sells less than $15,000 of insurance).

    Method To Certify Completion

    You will be able to print your certificate of completion online once you have completed your exam. The course provider reports credits earned to the insurance department within one business day of course completion. The licensee keeps the original certificates of completion in his or her files for 5 years.


    • Exempt if licensee meets home state CE requirement with the exception on nonresidents selling annuities. CA annuities requirement must be completed. Resident state compliance will be verified on the PDB.
    • Nonresidents are NOT exempt from LTC and California Partnership LTC education requirements if they choose to sell those products.

    For Additional Information Please Contact

    California Insurance Department
    License Bureau

    320 Capitol Mall
    Sacramento, CA 95814-4309

    Phone: (800) 967-9331

    State Website: http://www.insurance.ca.gov/

    Renew Your License Online

    • Go to www.insurance.ca.gov/
    • Click on "Quick Links" and select "Producer Licensing Online Services"
    • Select "Free Application Online Renewal Service" and begin entering on your information

    To Check the Status of Your CE Credits

    *You will need to provide your name -OR- a CA insurance license number.*

    • 1. Go to http://www.insurance.ca.gov/
    • 2. Click, "Check License Status"
    • 3. Select whether you want to searchby license number or by name.
    • 4. If searching by license number, be aware that the leading character is the number zero, not the letter "O".
    • 5. If searching by name, the format is "last first middle". Please note that putting commas into this field will result in an error.
    • 6. Scroll to the bottom of the page once you have selected your file and click the "Continuing Education" button.


    4 HRS
    Accident, Health, Life, Long Term Care
    Online Interactive
    4-Hour FL Long-Term Care Partnership Refresher Course
    Course Number : 69897 |
    8 HRS
    Accident, Health, Life, Long Term Care
    8-Hour NAIC LTC Partnership-FL
    Course Number : 61153 |
    Course Authority: CE0240  The Deficit Reduction Act made it possible for all states who wish to to offer Partnership for Long-term Care policies..
    3 HRS
    Accident, Health, Life, Variable
    Anti-Money Laundering-FL
    Course Number : 60598 |
    Course Authority: CE9900  This course will teach agents to fully understand the issues related to anti-money laundering as set forth in the USA ..
    15 HRS
    Accident, Health, Life
    Charting Your Financial Future-FL
    Course Number : 40520 |
    Course Authority: CE0215  This insurance continuing education course will lead agents through the continuum of Financial Planning for families f..
    10 HRS
    Accident, Health, Life, Variable
    Disability Income Insurance-FL
    Course Number : 92153 |
    Course Authority: CE9900  This comprehensive course on disability income insurance is all the training agents need to educate clients and sell p..
    13 HRS
    Casualty, Property, General
    Dwelling And Homeowners Exposure And Insurance-FL
    Course Number : 64194 |
    Course Authority: CE0220  This insurance continuing education course covers the risks involved in owning a home, and the ways in which individua..
    5 HRS
    Casualty, Property, General
    FEMA Flood Insurance Course-FL
    Course Number : 60563 |
    Course Authority: CE0220  This course will teach agents the various issues set forth in the Flood Insurance Reform Act of 2004. This course is w..
    5 HRS
    Accident, Health, Life, General, Variable
    FL 215 5-HR LAW & ETHICS
    Course Number : 124273 |
    Course Authority: CE05215 This is the mandatory Fcourse for students to complete their ethics requirement. All resident agents must have at least eth..
    5 HRS
    Ethics, General
    FL 220 5-HR LAW & ETHICS
    Course Number : 124274 |
    Course Authority: CE05220  This is the mandatory course for students to complete their ethics requirement. All resident agents must have at leas..
    14 HRS
    Casualty, Property, General
    Personal Automobile Exposures And Insurance-FL
    Course Number : 64193 |
    Course Authority: CE0220  This insurance continuing education course covers the risks involved in owning a personal automobile, and the ways in ..
    8 HRS
    Accident, Health, Life, Variable
    Planning For Senior Needs-FL
    Course Number : 91818 |
    Course Authority: CE9900  This insurance continuing education course will provide the agent with an in-depth understanding of the various progra..
    1 HRS
    Casualty, Property, Hurricane Loss Mitigation
    Online Interactive
    Premium Discount for Hurricane Loss Mitigation-FL
    Course Number : 69380 |
    Course Authority: CE9910 This course is designed and written to satisfy the 1-hour Windstorm requirement for Florida Insurance Agents. This course is..
    6 HRS
    Ethics, Senior Suitability
    Suitability of Annuity and Life Insurance Transactions for Seniors-FL
    Course Number : 67871 |
    Course Authority: CE9908 and CE9911 The Florida Legislature took action during their 2008 legislative session to strengthen regulation of annuity sal..

    Seminars & Classroom Courses

    These courses are instructor led programs, usually in a live classroom setting, and do not require you to pass an exam to receive CE credit for the course. 

    You must choose one of the locations listed in the options above. Please make note of the address of the seminar you choose. You will also receive an email confirmation of your enrollment, which will include the address of the seminar. You can return here to review the address if you misplace it before the class.

    All of our seminars begin at 8:30 AM and end at 4:30 PM unless otherwise noted on your confirmation notice.  Please arrive at the classroom at least 10 minutes before the starting time on your confirmation notice. All students must be signed-in and seated BEFORE the official class start-time. If you arrive late, please DO NOT interrupt the class in session. You can talk to the instructor at the first break regarding the possibility of obtaining credit for the class or rescheduling for another date. Remember, these classes fill up quickly, and there is usually little or no room for agents who arrive at the last minute without registering in advance.

    Cell phones must be turned off during the entire duration of the seminar. You will have time to return messages and make calls during breaks and at lunch. 

    During the class, you must not have any materials on your desk except the textbook or handout provided by the instructor. By law, students who are reading other materials, talking to other students, sleeping, or otherwise not participating in the learning experience are not allowed to receive CE credit!

    Absolutely no recruiting or marketing for products, services, employment or any other activity is allowed at any time during the seminar - including during breaks and lunch. Students caught doing this may be asked to leave immediately and will NOT receive a refund.


    Due to the fact that we must pre-pay for locations, teachers, materials and shipping there is a 10-day cancellation or refund policy for classroom courses. If you find you need to cancel a classroom course you may either:

    1. Request a refund with our refund request form no later than 10 days from the class date: www.kruise.com/refund.pdf
    2. If you're inside the 10 day window you can move to a later class on our calendar or call and have us hold your payment for another time.
    3. If you request a refund after we've already shipped your materials to the class you will most likley not be able to receive a full refund.

    If you have received a CE voucher from an insurance company or wholesaler, you can redeem it by following these instructions. 

    • Choose your course format - see "course format" tab for more details or click "learn more" above options.
    • Click on the red "buy" button to proceed to checkout.
    • Be sure to enter your Voucher Code when checking out to apply your discount.
    • You will be able to download the study materials immediately by clicking the red "Download Course" on your receipt. It will also be emailed to you and will be available for one year in your customer account.
    • You will also be provided with a link and information to access the exam.

    Your voucher covers an online book, online exam, grading and one CE certificate for insurance. It DOES NOT INCLUDE printed books, printed exams, state fees or CE certificate(s) or reporting for additional designations or types of CE, although they are available as options for additional charge. 

    If you choose printed books or exams, you will be charged the balance due during checkout.

    If your state charges a fee to report your credit, this fee is due from you. When you check-out, you must pay this fee in order to access the course and obtain CE credit.

    After you pass your exam, you will be able to purchase CE certificates for professional designations such as CFP, CPE, etc. you will be charged $10 for each one. Please DO NOT order these additional certificates unless you currently hold that professional designation. There are NO REFUNDS for additional certificates ordered and not needed.

    Optional PACE or CFP Credit

    Many of our Insurance CE courses are also approved for CE credit for agents who hold professional designations such as CLU, ChFC, CFP. The type of CE credit and number of hours approved are listed above in the course description.

    If you hold a professional designation you may request a certificate for courses taken and exams passed for insurance CE credit. If you pass and exam and would like to get additional credit for one of these designations, please use the link to the left: "CFP & PACE Credit".

    If you do not hold a professional designation and do not need any type of CE other than for your insurance license renewal, please do not order a PACE or CFP certificate. It will not benefit you and once ordered, there are no refunds!

    There are no refunds for certificates ordered by mistake!

    Monitor Instructions - Florida


    Your state requires that your exam(s) MUST be monitored.

    The qualifications of the person who must monitor your exam are explained on the monitor form. The person monitoring your exam must be with you prior to beginning to take the exam. Taking the exam without your monitor present will invalidate your exam results and certificate.

    The monitor must print, sign and complete the affidavit found by clicking Printable Monitor Form to indicate that the exam was taken without any outside help from any source. Please fax the completed monitor form to (619) 421-8171 or email your form immediately after completing the exam. Your exam will not be completed, and no CE credit will be awarded or reported to your state, until the properly completed, signed monitor form has been received (along with any state reporting fees that may be due).

     CE Subscriptions

    Upon purchase, the student will have access to all of the courses on the course list tab.   You can click "Go to My Courses" on the left navigation bar or go to www.kruisetesting.com and enter the same user name (email address) and password you used to purchase your subscription to open your account.  All courses will be available for download, and all exams will be available to the student for a period of one year from the date of purchase. Just scroll down to the name of the course you wish to take, and there will be links to open the study materials and to take the exam. Students may get credit for each course once during the duration of the subscription. The cost of the subscription covers the online book/presentation, the exam & grading, the certificate of completion, and reporting (where required by law).  The only additional charges that may be assessed are:
    • The state filing fee which varies by state and by individual course.
    • Fees for additional certificates ordered for optional professional designation CE.

    This subscription applies only to the agent who purchases it, and cannot be transferred to or used by any other agent.

    Subscriptions expire in 365 days from purchase, there are no refunds for not using the package while it's active.


     If you wish to have printed materials shipped, the cost per book is $10 + shipping & handling per book.

    System Requirements: All major browsers can be used to complete our courses.  This includes Internet Explorer 11.x or higher, Microsoft Edge 20 or higher, Firefox version 51 or higher, Apple Safari version 10.x or higher, and Google Chrome, version 56 or higher.

    Desktops, Laptops, Tablets, and most Smartphones are also supported.

    This course automatically includes a downloadable textbook and/or other course materials which you may print if you desire. When you are finished studying your course, the exam is taken online and it is graded immediately.  In most states you can also print your own certificate of completion, if you pass. There is no additional charge if you complete your course and exam completely online. 

    If you prefer, however, you may purchase a printed book and/or printed exam at additional cost.   

    You have 3 options if purchasing the course outside a subscription:

      1. Online book and online exam - included in price - You receive no printed materials-everything is online.
      2. Printed book and online exam - $5 additional - You receive a printed book but take your exam online.
      3. Printed book and printed exam - $10 additional - You receive a printed book and printed exam which you mail or fax to us for grading.

    For options 2 and 3, you will be able to choose either regular or express shipping during checkout.

    Please choose your option carefully!  There is no refund for printed materials or exams ordered by mistake!

    If your state requires monitored exams, you must have your monitor sign-in and follow the monitor instructions BEFORE you begin the exam.  See the State Information tab, Monitor tab and Help Center for more information.

    Unlimited access to online CE courses for one year! 

    Upon purchase, you will have access to ALL of the courses on the course list tab. All course materials will be available online and all exams will be available to you for a period of 365 days from the date of purchase. You can only receive a certificate of completion for each course taken and passed once during the one year subscription, this means students may get credit for each course once during the duration of the subscription. Purchasing this subscription applies only to the agent who purchases it and courses cannot be transferred to or used by any other agent. 

    To open the CE Subscription after purchase, you can go to "My Courses" on the navigation menu on the left. Or, click "Student Center" on the top-right of our website (it may be the three horizontal lines "hamburger" icon on mobile to find the menus), then click "My Courses".

    Accident, Health, Life, Casualty, Property, Ethics, Long Term Care, General, Variable, Senior Suitability, Hurricane Loss Mitigation