PART I. INSURANCE REPRESENTATIVES: LICENSING PROCEDURES AND GENERAL REQUIREMENTS

SECTION 626.011. Short title.

SECTION 626.015. Definitions.

SECTION 626.016. Powers and duties of department, commission, and office.

SECTION 626.022. Scope of part.

SECTION 626.025. Consumer protections.

SECTION 626.0428. Agency personnel powers, duties, and limitations.

SECTION 626.112. License and appointment required; agents, customer representatives, adjusters, insurance agencies, service representatives, managing general agents.

SECTION 626.141. Violation not to affect validity of insurance.

SECTION 626.161. Licensing forms.

SECTION 626.171. Application for license as an agent, customer representative, adjuster, service representative, or reinsurance intermediary.

SECTION 626.172. Application for insurance agency license.

SECTION 626.175. Temporary licensing.

SECTION 626.181. Number of applications for licensure required.

SECTION 626.191. Repeated applications.

SECTION 626.201. Investigation.

SECTION 626.202. Fingerprinting requirements.

SECTION 626.207. Disqualification of applicants and licensees; penalties against licensees; rulemaking authority.

SECTION 626.211. Approval, disapproval of application.

SECTION 626.221. Examination requirement; exemptions.

SECTION 626.231. Eligibility; application for examination.

SECTION 626.241. Scope of examination.

SECTION 626.2415. Annual report of results of life insurance examinations.

SECTION 626.251. Time and place of examination; notice.

SECTION 626.261. Conduct of examination.

SECTION 626.266. Printing of examinations or related materials to preserve examination security.

SECTION 626.271. Examination fee; determination, refund.

SECTION 626.281. Reexamination.

SECTION 626.2815. Continuing education requirements.

SECTION 626.2816. Regulation of continuing education for licensees, course providers, instructors, school officials, and monitor groups.

SECTION 626.2817. Regulation of course providers, instructors, and school officials involved in prelicensure education for insurance agents and other licensees.

SECTION 626.291. Examination results; denial, issuance of license.

SECTION 626.292. Transfer of license from another state.

SECTION 626.301. Form and contents of licenses, in general.

SECTION 626.311. Scope of license.

SECTION 626.321. Limited licenses and registration.

SECTION 626.322. License, appointment; certain military installations.

SECTION 626.331. Number of appointments permitted or required.

SECTION 626.341. Additional appointments; general lines, life, and health agents.

SECTION 626.342. Furnishing supplies to unlicensed agent prohibited; civil liability.

SECTION 626.371. Payment of fees, taxes for appointment period without appointment.

SECTION 626.381. Renewal, continuation, reinstatement, or termination of appointment.

SECTION 626.382. Continuation, expiration of license; insurance agencies.

SECTION 626.431. Effect of expiration of license and appointment.

SECTION 626.441. License or appointment; transferability.

SECTION 626.451. Appointment of agent or other representative.

SECTION 626.461. Continuation of appointment of agent or other representative.

SECTION 626.471. Termination of appointment.

SECTION 626.511. Reasons for termination; confidential information.

SECTION 626.536. Reporting of administrative actions.

SECTION 626.541. Firm, corporate, and business names; officers; associates; notice of changes.

SECTION 626.551. Notice of change of address, name.

SECTION 626.561. Reporting and accounting for funds.

SECTION 626.571. Delinquent agencies; notice of trusteeship.

SECTION 626.5715. Parity of regulation of insurance agents and agencies.

SECTION 626.572. Rebating; when allowed.

SECTION 626.581. Commissions contingent upon adjustment savings; prohibition.

SECTION 626.591. Penalty for violation of s. 626.581.

SECTION 626.593. Insurance agent; written contract for compensation.

SECTION 626.601. Improper conduct; inquiry; fingerprinting.

SECTION 626.602. Insurance agency names; disapproval.

SECTION 626.611. Grounds for compulsory refusal, suspension, or revocation of agent’s, title agency’s, adjuster’s, customer representative’s, service representative’s, or managing general agent’s license or appointment.

SECTION 626.6115. Grounds for compulsory refusal, suspension, or revocation of insurance agency license.

SECTION 626.621. Grounds for discretionary refusal, suspension, or revocation of agent’s, adjuster’s, customer representative’s, service representative’s, or managing general agent’s license or appointment.

SECTION 626.6215. Grounds for discretionary refusal, suspension, or revocation of insurance agency license.

SECTION 626.631. Procedure for refusal, suspension, or revocation of license.

SECTION 626.641. Duration of suspension or revocation.

SECTION 626.651. Effect of suspension, revocation upon associated licenses and appointments and licensees and appointees.

SECTION 626.6515. Effect of suspension or revocation upon associated agencies.

SECTION 626.661. Surrender of license.

SECTION 626.681. Administrative fine in lieu of or in addition to suspension, revocation, or refusal of license, appointment, or disapproval.

SECTION 626.691. Probation.

SECTION 626.692. Restitution.

SECTION 626.711. Retaliatory provision, agents.

PART II. GENERAL LINES AGENTS

SECTION 626.726. Short title.

SECTION 626.727. Scope of this part.

SECTION 626.728. This part supplements licensing law.

SECTION 626.729. “Industrial fire insurance” defined.

SECTION 626.730. Purpose of license.

SECTION 626.731. Qualifications for general lines agent’s license.

SECTION 626.7315. Prohibition against the unlicensed transaction of general lines insurance.

SECTION 626.732. Requirement as to knowledge, experience, or instruction.

SECTION 626.733. Agency firms and corporations; special requirements.

SECTION 626.734. Corporations, liability of agent.

SECTION 626.7351. Qualifications for customer representative’s license.

SECTION 626.7352. Customer representative’s office.

SECTION 626.7353. Appointment of customer representatives.

SECTION 626.7354. Customer representative’s powers; agent’s or agency’s responsibility.

SECTION 626.741. Nonresident agents; licensing and restrictions.

SECTION 626.742. Nonresident agents; service of process.

SECTION 626.743. Nonresident agents; retaliatory provision.

SECTION 626.744. Service representatives; application for license.

SECTION 626.745. Service representatives, managing general agents; managers; activities.

SECTION 626.7451. Managing general agents; required contract provisions.

SECTION 626.7452. Managing general agents; examination authority.

SECTION 626.7453. Managing general agents; errors and omissions insurance.

SECTION 626.7454. Managing general agents; duties of insurers.

SECTION 626.7455. Managing general agent; responsibility of insurer.

SECTION 626.748. Agent’s records.

SECTION 626.749. Place of business in residence.

SECTION 626.7491. Business transacted with producer controlled property and casualty insurer.

SECTION 626.7492. Reinsurance intermediaries.

SECTION 626.752. Exchange of business.

SECTION 626.753. Sharing commissions; penalty.

SECTION 626.754. Rights of agent following termination of appointment.

PART III. LIFE INSURANCE AGENTS

SECTION 626.776. Short title.

SECTION 626.777. Scope of this part.

SECTION 626.778. This part supplements licensing law.

SECTION 626.779. “Life agent” defined.

SECTION 626.780. “Life insurer” defined.

SECTION 626.781. “Ordinary class insurer” and “ordinary-variable contract class insurer” defined.

SECTION 626.782. “Industrial class insurer” defined.

SECTION 626.783. “Ordinary-combination class insurer” defined.

SECTION 626.784. Purpose of license.

SECTION 626.7845. Prohibition against unlicensed transaction of life insurance.

SECTION 626.785. Qualifications for license.

SECTION 626.7851. Requirement as to knowledge, experience, or instruction.

SECTION 626.788. United States Department of Veterans Affairs employees disqualified.

SECTION 626.789. Military service; special provisions.

SECTION 626.792. Nonresident agents; licensing and restrictions.

SECTION 626.793. Excess or rejected business.

SECTION 626.794. Unlawful payment or sharing of commissions.

SECTION 626.795. Corporations, liability of agent.

SECTION 626.796. Representing another insurer in same industrial debit territory.

SECTION 626.797. Code of ethics.

SECTION 626.798. Life agent as beneficiary; prohibition.

PART IV. HEALTH INSURANCE AGENTS

SECTION 626.826. Short title.

SECTION 626.827. Scope of this part.

SECTION 626.828. This part supplements licensing law.

SECTION 626.829. “Health agent” defined.

SECTION 626.830. Purpose of license.

SECTION 626.8305. Prohibition against the unlicensed transaction of health insurance.

SECTION 626.831. Qualifications for license.

SECTION 626.8311. Requirement as to knowledge, experience, or instruction.

SECTION 626.833. United States Department of Veterans Affairs employees disqualified.

SECTION 626.834. Military service; special provisions.

SECTION 626.835. Nonresident agents; licensing and restrictions.

SECTION 626.836. Nonresident agents; service of process.

SECTION 626.837. Excess or rejected business.

SECTION 626.8373. Overinsurance of health insurance coverage.

SECTION 626.838. Unlawful payment or sharing of commissions.

SECTION 626.839. Corporations, liability of agent.

PART V. TITLE INSURANCE AGENTS

SECTION 626.841. Definitions.

SECTION 626.8411. Application of Florida Insurance Code provisions to title insurance agents or agencies.

SECTION 626.8412. License and appointments required.

SECTION 626.8413. Title insurance agents; certain names prohibited.

SECTION 626.8414. Qualifications for examination.

SECTION 626.8417. Title insurance agent licensure; exemptions.

SECTION 626.8418. Application for title insurance agency license.

SECTION 626.8419. Appointment of title insurance agency.

SECTION 626.84195. Confidentiality of information supplied by title insurance agencies and insurers.

SECTION 626.842. Credit and character reports.

SECTION 626.84201. Nonresident title insurance agents.

SECTION 626.8421. Number of appointments permitted or required.

SECTION 626.8423. Investigation of applicants for license or renewal or continuation.

SECTION 626.8427. Number of applications for licensure required; exemption; effect of expiration of license.

SECTION 626.843. Renewal, continuation, reinstatement, termination of title insurance agent’s appointment.

SECTION 626.8433. Filing of reasons for terminating appointment of title insurance agent; confidential information.

SECTION 626.8437. Grounds for denial, suspension, revocation, or refusal to renew license or appointment.

SECTION 626.844. Grounds for discretionary refusal, suspension, or revocation of license or appointment.

SECTION 626.8443. Duration of suspension or revocation.

SECTION 626.8447. Effect of suspension or revocation upon other licensees, appointees.

SECTION 626.845. Cancellation of license.

SECTION 626.8453. Penalty for violation.

SECTION 626.8457. Administrative fine in lieu of suspension or revocation of license or appointment.

SECTION 626.846. Probation.

SECTION 626.8463. Witnesses and evidence.

SECTION 626.8467. Testimony compelled; immunity from prosecution.

SECTION 626.847. Penalty for refusal to testify.

SECTION 626.8473. Escrow; trust fund.

PART VI. INSURANCE ADJUSTERS

SECTION 626.851. Short title.

SECTION 626.852. Scope of this part.

SECTION 626.853. Part supplements licensing law.

SECTION 626.854. “Public adjuster” defined; prohibitions.

SECTION 626.8548. “All-lines adjuster” defined.

SECTION 626.855. “Independent adjuster” defined.

SECTION 626.856. “Company employee adjuster” defined.

SECTION 626.8561. “Public adjuster apprentice” defined.

SECTION 626.8582. “Nonresident public adjuster” defined.

SECTION 626.8584. “Nonresident all-lines adjuster” defined.

SECTION 626.859. “Catastrophe” or “emergency” adjuster defined.

SECTION 626.860. Attorneys at law; exemption.

SECTION 626.861. Insurer’s officers, insurer’s employees, reciprocal insurer’s representatives; adjustments by.

SECTION 626.862. Agents; adjustments by.

SECTION 626.8621. Adjustments by guaranty association employees.

SECTION 626.863. Claims referrals to independent adjusters.

SECTION 626.864. Adjuster license types.

SECTION 626.865. Public adjuster’s qualifications, bond.

SECTION 626.8651. Public adjuster apprentice appointment; qualifications.

SECTION 626.866. All-lines adjuster qualifications.

SECTION 626.8685. Portable electronics insurance claims; exemption; licensure restriction.

SECTION 626.869. License, adjusters; continuing education.

SECTION 626.8695. Primary adjuster.

SECTION 626.8696. Application for adjusting firm license.

SECTION 626.8697. Grounds for refusal, suspension, or revocation of adjusting firm license.

SECTION 626.8698. Disciplinary guidelines for public adjusters and public adjuster apprentices.

SECTION 626.870. Application for license.

SECTION 626.871. Reappointment after military service.

SECTION 626.8732. Nonresident public adjuster’s qualifications, bond.

SECTION 626.8734. Nonresident all-lines adjuster license qualifications.

SECTION 626.8736. Nonresident independent or public adjusters; service of process.

SECTION 626.8737. Nonresident adjusters; retaliatory provision.

SECTION 626.8738. Penalty for violation.

SECTION 626.874. Catastrophe or emergency adjusters.

SECTION 626.875. Office and records.

SECTION 626.876. Exclusive employment; public adjusters, all-lines adjusters.

SECTION 626.877. Adjustments to comply with insurance contract and law.

SECTION 626.878. Rules; code of ethics.

SECTION 626.8795. Public adjusters; prohibition of conflict of interest.

SECTION 626.8796. Public adjuster contracts; fraud statement.

SECTION 626.8797. Proof of loss; fraud statement.

PART VII. INSURANCE ADMINISTRATORS

SECTION 626.88. Definitions.

SECTION 626.8805. Certificate of authority to act as administrator.

SECTION 626.8809. Fidelity bond.

SECTION 626.8814. Disclosure of ownership or affiliation.

SECTION 626.8817. Responsibilities of insurance company with respect to administration of coverage insured.

SECTION 626.882. Agreement between administrator and insurer; required provisions; maintenance of records.

SECTION 626.883. Administrator as intermediary; collections held in fiduciary capacity; establishment of account; disbursement; payments on behalf of insurer.

SECTION 626.884. Maintenance of records by administrator; access; confidentiality.

SECTION 626.885. Notice; statement of charge or premium for coverage.

SECTION 626.886. Delivery of insurer’s written communications to policyholders.

SECTION 626.887. Advertising; approval by insurer.

SECTION 626.888. Adjustment or settlement of claims; compensation of administrator.

SECTION 626.89. Annual financial statement and filing fee; notice of change of ownership.

SECTION 626.891. Grounds for suspension or revocation of certificate of authority.

SECTION 626.892. Order of suspension or revocation of certificate of authority; notice.

SECTION 626.893. Period of suspension; obligations during suspension; reinstatement.

SECTION 626.894. Administrative fine in lieu of suspension or revocation.

SECTION 626.895. Definition of “service company” or “service agent.”

SECTION 626.896. Servicing requirements for self-insurers and multiple-employer welfare arrangements.

SECTION 626.897. Application for authorization to act as service company; bond.

SECTION 626.898. Requirements for retaining authorization as service company; recertification.

SECTION 626.899. Withdrawal of authorization as service company.

SECTION 626.8991. Adoption of rules.

PART VIII. UNAUTHORIZED INSURERS AND SURPLUS LINES

SECTION 626.901. Representing or aiding unauthorized insurer prohibited.

SECTION 626.902. Penalty for representing unauthorized insurer.

SECTION 626.903. Suits by unauthorized insurers prohibited.

SECTION 626.904. Unauthorized Insurers Process Law; short title; interpretation.

SECTION 626.905. Purpose of Unauthorized Insurers Process Law.

SECTION 626.906. Acts constituting Chief Financial Officer as process agent.

SECTION 626.907. Service of process; judgment by default.

SECTION 626.908. Defense of action by unauthorized insurer or person representing or aiding such insurer; damages and attorney fee.

SECTION 626.909. Jurisdiction of office and department; service of process on Secretary of State.

SECTION 626.910. Penalty for violation by unauthorized insurers and persons representing or aiding such insurers.

SECTION 626.911. Attorney’s fee.

SECTION 626.912. Exemptions from ss. 626.904-626.911.

SECTION 626.913. Surplus Lines Law; short title; purposes.

SECTION 626.914. Definitions.

SECTION 626.915. Surplus lines insurance authorized.

SECTION 626.916. Eligibility for export.

SECTION 626.917. Eligibility for export; wet marine and transportation, aviation risks.

SECTION 626.918. Eligible surplus lines insurers.

SECTION 626.9181. Levy upon deposit.

SECTION 626.919. Withdrawal of eligibility; surplus lines insurer.

SECTION 626.9201. Notice of cancellation or nonrenewal.

SECTION 626.9202. Loss run statements for all lines of insurance.

SECTION 626.921. Florida Surplus Lines Service Office.

SECTION 626.922. Evidence of the insurance; changes; penalty.

SECTION 626.923. Filing copy of policy or certificate.

SECTION 626.924. Information required on contract.

SECTION 626.925. Surplus lines insurance valid.

SECTION 626.926. Liability of insurer as to losses and unearned premiums.

SECTION 626.927. Licensing of surplus lines agent.

SECTION 626.9271. Temporary license; death, disability, absence of surplus lines agent.

SECTION 626.9272. Licensing of nonresident surplus lines agents.

SECTION 626.929. Origination, acceptance, placement of surplus lines business.

SECTION 626.9295. Corporations, liability of agent.

SECTION 626.930. Records of surplus lines agent.

SECTION 626.931. Agent affidavit and insurer reporting requirements.

SECTION 626.932. Surplus lines tax.

SECTION 626.9325. Service fee.

SECTION 626.933. Collection of tax and service fee.

SECTION 626.934. Accounting for funds; contingent commissions.

SECTION 626.935. Suspension, revocation, or refusal of surplus lines agent’s license.

SECTION 626.936. Failure to file reports or pay tax or service fee; administrative penalty.

SECTION 626.9361. Failure to file report; administrative penalty.

SECTION 626.9362. Cooperative reciprocal agreement authorized for collection and allocation of certain nonadmitted insurance taxes.

SECTION 626.937. Actions against insurer; service of process.

SECTION 626.9371. Payment of premiums and claims.

SECTION 626.9372. Disclosure statement of certain information required; liability claims.

SECTION 626.9373. Attorney’s fees.

SECTION 626.9374. Liability of insureds; deductible and coinsurance.

SECTION 626.938. Report and tax of independently procured coverages.

SECTION 626.939. Records produced on order.

PART IX. UNFAIR INSURANCE TRADE PRACTICES

SECTION 626.951. Declaration of purpose.

SECTION 626.9511. Definitions.

SECTION 626.9521. Unfair methods of competition and unfair or deceptive acts or practices prohibited; penalties.

SECTION 626.9531. Identification of insurers, agents, and insurance contracts.

SECTION 626.9541. Unfair methods of competition and unfair or deceptive acts or practices defined.

SECTION 626.9543. Holocaust victims.

SECTION 626.9545. Improper charge identification incentive program.

SECTION 626.9551. Favored agent or insurer; coercion of debtors.

SECTION 626.9561. Power of department and office.

SECTION 626.9571. Defined practices; hearings, witnesses, appearances, production of books and service of process.

SECTION 626.9581. Cease and desist and penalty orders.

SECTION 626.9591. Appeals from the department or office.

SECTION 626.9601. Penalty for violation of cease and desist orders.

SECTION 626.9611. Rules.

SECTION 626.9621. Provisions of part additional to existing law.

SECTION 626.9631. Civil liability.

SECTION 626.9641. Policyholders, bill of rights.

SECTION 626.9651. Privacy.

SECTION 626.9701. Rate increases and premium surcharges; consideration of certain noncriminal violations for excessive speed prohibited.

SECTION 626.9702. Illegal dealings in premiums; excess charges for insurance.

SECTION 626.9705. Life or disability insurance; illegal dealings.

SECTION 626.9706. Life insurance; discrimination on basis of sickle-cell trait prohibited.

SECTION 626.9707. Disability insurance; discrimination on basis of sickle-cell trait prohibited.

SECTION 626.973. Fictitious groups.

SECTION 626.9741. Use of credit reports and credit scores by insurers.

SECTION 626.9743. Claim settlement practices relating to motor vehicle insurance.

SECTION 626.9744. Claim settlement practices relating to property insurance.

SECTION 626.9885. Financial institutions conducting insurance transactions.

SECTION 626.989. Investigation by department or Division of Investigative and Forensic Services; compliance; immunity; confidential information; reports to division; division investigator’s power of arrest.

SECTION 626.9891. Insurer anti-fraud investigative units; reporting requirements; penalties for noncompliance.

SECTION 626.9892. Anti-Fraud Reward Program; reporting of insurance fraud.

SECTION 626.9893. Disposition of revenues; criminal or forfeiture proceedings.

SECTION 626.9894. Gifts and grants.

SECTION 626.9896. Dedicated insurance fraud prosecutors.

SECTION 626.99. Life insurance solicitation.

PART X. VIATICAL SETTLEMENTS

SECTION 626.991. Short title.

SECTION 626.9911. Definitions.

SECTION 626.9912. Viatical settlement provider license required; application for license.

SECTION 626.9913. Viatical settlement provider license continuance; annual report; fees; deposit.

SECTION 626.9914. Suspension, revocation, denial, or nonrenewal of viatical settlement provider license; grounds; administrative fine.

SECTION 626.9915. Effect of suspension or revocation of viatical settlement provider license; duration of suspension; reinstatement.

SECTION 626.9916. Viatical settlement broker license required.

SECTION 626.99175. Life expectancy providers; registration required; denial, suspension, revocation.

SECTION 626.99181. Viatical settlement broker’s compensation.

SECTION 626.9919. Notice of change of licensee or registrant’s address or name.

SECTION 626.992. Use of licensed viatical settlement providers, viatical settlement brokers, and registered life expectancy providers required.

SECTION 626.9921. Filing of forms; required procedures; approval.

SECTION 626.9922. Examination.

SECTION 626.9923. Viatical settlement contracts; required disclosures.

SECTION 626.9924. Viatical settlement contracts; procedures; rescission.

SECTION 626.99245. Conflict of regulation of viaticals.

SECTION 626.9925. Rules.

SECTION 626.9926. Rate regulation not authorized.

SECTION 626.9927. Unfair trade practices; cease and desist; injunctions; civil remedy.

SECTION 626.99272. Cease and desist orders and fines.

SECTION 626.99275. Prohibited practices; penalties.

SECTION 626.99278. Viatical provider anti-fraud plan.

SECTION 626.9928. Acquisitions.

SECTION 626.99285. Applicability of insurance code.

SECTION 626.99287. Contestability of viaticated policies.

SECTION 626.99289. Void and unenforceable contracts, agreements, arrangements, and transactions.

SECTION 626.99291. Contestability of life insurance policies.

SECTION 626.99292. Notice to insureds.

SECTION 626.99295. Grace period.

PART XI. STRUCTURED SETTLEMENTS

SECTION 626.99296. Transfers of structured settlement payment rights.

PART XII. INTERSTATE INSURANCE PRODUCT REGULATION

SECTION 626.9931. Legislative findings; intent.

SECTION 626.9932. Interstate Insurance Product Regulation Compact.

SECTION 626.9933. Opt out from long-term care products standards.

SECTION 626.9934. Effective date of compact standards; opt out procedures; state law exemptions; legislative notice.

SECTION 626.9935. Applicability of taxes.

SECTION 626.9936. Access to records.

SECTION 626.9937. Rules.

SECTION 626.9938. Severability.

PART XIII. NAVIGATORS

SECTION 626.995. Scope of part.

SECTION 626.9951. Definitions.

SECTION 626.9952. Registration required; purpose.

SECTION 626.9953. Qualifications for registration; application required.

SECTION 626.9954. Disqualification from registration.

SECTION 626.9955. Registered navigator list.

SECTION 626.9956. Notice of change of registrant information.

SECTION 626.9957. Conduct prohibited; denial, revocation, or suspension of registration.

SECTION 626.9958. Rulemaking.