Florida insurance pre-licensing and CE, built for online delivery
DFS will not let a course run until it approves it, and the online versions carry their own rules on identity, monitoring and rosters. We build the platform on your site, under your name, to what 69B-227 and 69B-228 actually say.
What DFS requires of an online course
Florida Department of Financial Services (DFS). Summarized from the rule text, with the citation for each so you can check it yourself.
- 01
Approval comes before the first student
Rule 69B-227.170(2)(a), (c) and (d), F.A.C.
No pre-licensing course may be taught unless DFS has already approved it. Instruction time cannot fall below the hours set in statute for the license class, and exam time does not count toward those hours.
- 02
Webinar classes need a monitoring method
Rule 69B-227.170(3)(d), F.A.C.
A virtual classroom must use some way to verify every student is participating for the whole course. DFS gets online access to review it, and each student signs an acknowledgement that they were present.
- 03
Identity checks from registration through the exam
Rule 69B-227.170(4)(d)3., F.A.C.
Online interactive correspondence courses need procedures that verify the student at registration and for the full length of the course, examinations included.
- 04
Two business days to answer a student
Rule 69B-227.170(4)(a), F.A.C.
Correspondence students must get a response to their questions within two business days.
- 05
CE rosters due within 21 days
Rules 69B-228.100 and 69B-228.090, F.A.C.
The provider files the Attendance Roster Detail, Form DFS-H2-400, electronically, and DFS must receive it within 21 days after the course ends. Each CE offering is filed on Form DFS-H2-397 at least five business days before it runs.
- 06
Five years of records, identity included
Rules 69B-228.040(3)(c) and 69B-228.160, F.A.C.
CE providers keep records for five years, and the list names student identity verification alongside attendance and completion. Certifying a student who did not finish the entire course is a violation.
How the platform is built to it
Your course, on your site, under your name. Every requirement above is a feature, not a promise in the application.
Verification at sign up and at every exam
Students verify identity when they register, again at checkpoints through the course, and before each exam, so the correspondence rule is met end to end and the record exists for the five year retention.
Seat time that excludes the exam
The platform logs instruction time separately from exam time, so the hours you report are instruction hours only, the way 69B-227.170(2)(d) counts them.
Live class presence tracking
For webinar delivery, participation prompts run through the session, the system records who answered, and each student signs the presence acknowledgement before credit is released.
A reviewer login for DFS
DFS gets its own account to walk the course as a student would. We prepare the platform documentation your application asks for: reviewer access, how identity is verified and how time is tracked.
Roster export ready for DICE
Completions land in an export shaped to the DFS-H2-400 roster, with a clock on the 21 day window, and only students who finished every module are on it.
Student questions with a timer
Questions come into one inbox with the two business day deadline shown on each one, so nothing ages past the rule.
The path to DFS approval
- 1
For CE, apply to DFS as a provider on Form DFS-H2-464.
- 2
Submit the course for DFS approval before anyone enrolls. For online formats, give DFS access to review the course.
- 3
File each CE offering on Form DFS-H2-397 at least five business days before it runs, in the DICE system.
- 4
Run the course with identity verification and participation monitoring active.
- 5
Submit the DFS-H2-400 Attendance Roster Detail so DFS receives it within 21 days of completion.
The terms
We are building one right now for a state-approved online school in Virginia, in English and Spanish, on the same terms.
- One flat fee
- Quoted per course before any work starts. No hourly billing and no surprise line items.
- Final payment on approval
- The last payment is due when the regulator approves the course, so the platform has to pass review before it is paid for in full.
- No per-student fees
- You keep what every enrollment pays. Nothing is skimmed per seat, per certificate or per month of traffic.
- You own it
- The platform, the code and the student records are yours outright, on your site and under your brand.
Questions schools ask
Can a Florida insurance pre-licensing course be taken fully online?
Yes, as a webinar or as online interactive correspondence, once DFS approves it. Both formats carry rules on verifying identity and participation, and the platform has to meet them.
What does DFS want for identity verification in an online course?
The correspondence rule asks for procedures that verify the student at registration and throughout the course, including the exams. CE providers also keep identity verification records for five years.
How fast do I have to report CE completions to DFS?
DFS must receive the Form DFS-H2-400 roster within 21 days after the course is completed. We build the export so the roster is ready the day a student finishes.
Who owns the platform once it is built?
You do, code included. The fee is flat and quoted per course, the final payment is due when DFS approves the course, and there are no per-student fees.
Has Vaylo built one of these before?
We are building one right now for a state-approved online school in Virginia, in English and Spanish, on the same terms.
Price your DFS course
Tell us the course and how you teach it now. You get a flat price back by email, and a list of what the application will ask about the platform.
Or email [email protected]
Sources
Read from the sources above on October 15, 2026. Rules change, so confirm the current text with DFS before you apply. This page is not legal advice.