Chapter 626 INSURANCE FIELD REPRESENTATIVES AND OPERATIONS
- PART I INSURANCE REPRESENTATIVES: LICENSING PROCEDURES AND GENERAL REQUIREMENTS(ss. 626.011-626.711)
- 626.011 Short title.
- 626.015 Definitions.
- 626.016 Powers and duties of department, commission, and office.
- 626.022 Scope of part.
- 626.025 Consumer protections.
- 626.0428 Agency personnel powers, duties, and limitations.
- 626.112 License and appointment required; agents, customer representatives, adjusters, insurance agencies, service representatives, managing general agents.
- 626.141 Violation not to affect validity of insurance.
- 626.161 Licensing forms.
- 626.171 Application for license as an agent, customer representative, adjuster, service representative, managing general agent, or reinsurance intermediary.
- 626.172 Application for insurance agency license.
- 626.175 Temporary licensing.
- 626.181 Number of applications for licensure required.
- 626.191 Repeated applications.
- 626.201 Investigation.
- 626.202 Fingerprinting requirements.
- 626.207 Department rulemaking authority; waiting periods for applicants; penalties against licensees.
- 626.211 Approval, disapproval of application.
- 626.221 Examination requirement; exemptions.
- 626.231 Eligibility; application for examination.
- 626.241 Scope of examination.
- 626.2415 Annual report of results of life insurance examinations.
- 626.251 Time and place of examination; notice.
- 626.261 Conduct of examination.
- 626.266 Printing of examinations or related materials to preserve examination security.
- 626.271 Examination fee; determination, refund.
- 626.281 Reexamination.
- 626.2815 Continuing education required; application; exceptions; requirements; penalties.
- 626.2816 Regulation of continuing education for licensees, course providers, instructors, school officials, and monitor groups.
- 626.2817 Regulation of course providers, instructors, school officials, and monitor groups involved in prelicensure education for insurance agents and other licensees.
- 626.291 Examination results; denial, issuance of license.
- 626.292 Transfer of license from another state.
- 626.301 Form and contents of licenses, in general.
- 626.311 Scope of license.
- 626.321 Limited licenses.
- 626.322 License, appointment; certain military installations.
- 626.331 Number of appointments permitted or required.
- 626.341 Additional appointments; general lines, life, and health agents.
- 626.342 Furnishing supplies to unlicensed life, health, or general lines agent prohibited; civil liability.
- 626.371 Payment of fees, taxes for appointment period without appointment.
- 626.381 Renewal, continuation, reinstatement, or termination of appointment.
- 626.382 Continuation, expiration of license; insurance agencies.
- 626.431 Effect of expiration of license and appointment.
- 626.441 License or appointment; transferability.
- 626.451 Appointment of agent or other representative.
- 626.461 Continuation of appointment of agent or other representative.
- 626.471 Termination of appointment.
- 626.511 Reasons for termination; confidential information.
- 626.521 Character, credit reports.
- 626.536 Reporting of actions.
- 626.541 Firm, corporate, and business names; officers; associates; notice of changes.
- 626.551 Notice of change of address, name.
- 626.561 Reporting and accounting for funds.
- 626.571 Delinquent agencies; notice of trusteeship.
- 626.5715 Parity of regulation of insurance agents and agencies.
- 626.572 Rebating; when allowed.
- 626.581 Commissions contingent upon adjustment savings; prohibition.
- 626.591 Penalty for violation of s. 626.581.
- 626.593 Insurance agent; written contract for compensation.
- 626.601 Improper conduct; inquiry; fingerprinting.
- 626.602 Insurance agency names; disapproval.
- 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 ap
- 626.6115 Grounds for compulsory refusal, suspension, or revocation of insurance agency license.
- 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.
- 626.6215 Grounds for discretionary refusal, suspension, or revocation of insurance agency license.
- 626.631 Procedure for refusal, suspension, or revocation of license.
- 626.641 Duration of suspension or revocation.
- 626.651 Effect of suspension, revocation upon associated licenses and appointments and licensees and appointees.
- 626.6515 Effect of suspension or revocation upon associated agencies.
- 626.661 Surrender of license.
- 626.681 Administrative fine in lieu of or in addition to suspension, revocation, or refusal of license, appointment, or disapproval.
- 626.691 Probation.
- 626.692 Restitution.
- 626.711 Retaliatory provision, agents.
- PART II GENERAL LINES AGENTS(ss. 626.726-626.754)
- 626.726 Short title.
- 626.727 Scope of this part.
- 626.728 This part supplements licensing law.
- 626.729 “Industrial fire insurance” defined.
- 626.730 Purpose of license.
- 626.731 Qualifications for general lines agent’s license.
- 626.7315 Prohibition against the unlicensed transaction of general lines insurance.
- 626.732 Requirement as to knowledge, experience, or instruction.
- 626.733 Agency firms and corporations; special requirements.
- 626.734 Corporations, liability of agent.
- 626.7351 Qualifications for customer representative’s license.
- 626.7352 Customer representative’s office.
- 626.7353 Appointment of customer representatives.
- 626.7354 Customer representative’s powers; agent’s or agency’s responsibility.
- 626.7355 Temporary license as customer representative pending examination.
- 626.741 Nonresident agents; licensing and restrictions.
- 626.742 Nonresident agents; service of process.
- 626.743 Nonresident agents; retaliatory provision.
- 626.744 Service representatives, managing general agents; application for license.
- 626.745 Service representatives, managing general agents; managers; activities.
- 626.7451 Managing general agents; required contract provisions.
- 626.7452 Managing general agents; examination authority.
- 626.7453 Managing general agents; errors and omissions insurance.
- 626.7454 Managing general agents; duties of insurers.
- 626.7455 Managing general agent; responsibility of insurer.
- 626.747 Branch agencies.
- 626.748 Agent’s records.
- 626.749 Place of business in residence.
- 626.7491 Business transacted with producer controlled property and casualty insurer.
- 626.7492 Reinsurance intermediaries.
- 626.752 Exchange of business.
- 626.753 Sharing commissions; penalty.
- 626.754 Rights of agent following termination of appointment.
- PART III LIFE INSURANCE AGENTS(ss. 626.776-626.798)
- 626.776 Short title.
- 626.777 Scope of this part.
- 626.778 This part supplements licensing law.
- 626.779 “Life agent” defined.
- 626.780 “Life insurer” defined.
- 626.781 “Ordinary class insurer” and “ordinary-variable contract class insurer” defined.
- 626.782 “Industrial class insurer” defined.
- 626.783 “Ordinary-combination class insurer” defined.
- 626.784 Purpose of license.
- 626.7845 Prohibition against unlicensed transaction of life insurance.
- 626.785 Qualifications for license.
- 626.7851 Requirement as to knowledge, experience, or instruction.
- 626.788 United States Department of Veterans Affairs employees disqualified.
- 626.789 Military service; special provisions.
- 626.792 Nonresident agents; licensing and restrictions.
- 626.793 Excess or rejected business.
- 626.794 Unlawful payment or sharing of commissions.
- 626.795 Corporations, liability of agent.
- 626.796 Representing another insurer in same industrial debit territory.
- 626.797 Code of ethics.
- 626.798 Life agent as beneficiary; prohibition.
- PART IV HEALTH INSURANCE AGENTS(ss. 626.826-626.839)
- 626.826 Short title.
- 626.827 Scope of this part.
- 626.828 This part supplements licensing law.
- 626.829 “Health agent” defined.
- 626.830 Purpose of license.
- 626.8305 Prohibition against the unlicensed transaction of health insurance.
- 626.831 Qualifications for license.
- 626.8311 Requirement as to knowledge, experience, or instruction.
- 626.833 United States Department of Veterans Affairs employees disqualified.
- 626.834 Military service; special provisions.
- 626.835 Nonresident agents; licensing and restrictions.
- 626.836 Nonresident agents; service of process.
- 626.837 Excess or rejected business.
- 626.8373 Overinsurance of health insurance coverage.
- 626.838 Unlawful payment or sharing of commissions.
- 626.839 Corporations, liability of agent.
- PART IX UNFAIR INSURANCE TRADE PRACTICES(ss. 626.951-626.99)
- 626.951 Declaration of purpose.
- 626.9511 Definitions.
- 626.9521 Unfair methods of competition and unfair or deceptive acts or practices prohibited; penalties.
- 626.9531 Identification of insurers, agents, and insurance contracts.
- 626.9541 Unfair methods of competition and unfair or deceptive acts or practices defined.
- 626.9543 Holocaust victims.
- 626.9545 Improper charge identification incentive program.
- 626.9551 Favored agent or insurer; coercion of debtors.
- 626.9561 Power of department and office.
- 626.9571 Defined practices; hearings, witnesses, appearances, production of books and service of process.
- 626.9581 Cease and desist and penalty orders.
- 626.9591 Appeals from the department or office.
- 626.9601 Penalty for violation of cease and desist orders.
- 626.9611 Rules.
- 626.9621 Provisions of part additional to existing law.
- 626.9631 Civil liability.
- 626.9641 Policyholders, bill of rights.
- 626.9651 Privacy.
- 626.9701 Rate increases and premium surcharges; consideration of certain noncriminal violations for excessive speed prohibited.
- 626.9702 Illegal dealings in premiums; excess charges for insurance.
- 626.9705 Life or disability insurance; illegal dealings.
- 626.9706 Life insurance; discrimination on basis of sickle-cell trait prohibited.
- 626.9707 Disability insurance; discrimination on basis of sickle-cell trait prohibited.
- 626.973 Fictitious groups.
- 626.9741 Use of credit reports and credit scores by insurers.
- 626.9743 Claim settlement practices relating to motor vehicle insurance.
- 626.9744 Claim settlement practices relating to property insurance.
- 626.9885 Financial institutions conducting insurance transactions.
- 626.989 Investigation by department or Division of Insurance Fraud; compliance; immunity; confidential information; reports to division; division investigator’s power of arrest.
- 626.9891 Insurer anti-fraud investigative units; reporting requirements; penalties for noncompliance.
- 626.9892 Anti-Fraud Reward Program; reporting of insurance fraud.
- 626.9893 Disposition of revenues; criminal or forfeiture proceedings.
- 626.99 Life insurance solicitation.
- PART V TITLE INSURANCE AGENTS(ss. 626.841-626.8473)
- 626.841 Definitions.
- 626.8411 Application of Florida Insurance Code provisions to title insurance agents or agencies.
- 626.8412 License and appointments required.
- 626.8413 Title insurance agents; certain names prohibited.
- 626.8414 Qualifications for examination.
- 626.8417 Title insurance agent licensure; exemptions.
- 626.8418 Application for title insurance agency license.
- 626.8419 Appointment of title insurance agency.
- 626.842 Credit and character reports.
- 626.84201 Nonresident title insurance agents.
- 626.8421 Number of appointments permitted or required.
- 626.8423 Investigation of applicants for license or renewal or continuation.
- 626.8427 Number of applications for licensure required; exemption; effect of expiration of license.
- 626.843 Renewal, continuation, reinstatement, termination of title insurance agent’s appointment.
- 626.8433 Filing of reasons for terminating appointment of title insurance agent; confidential information.
- 626.8437 Grounds for denial, suspension, revocation, or refusal to renew license or appointment.
- 626.844 Grounds for discretionary refusal, suspension, or revocation of license or appointment.
- 626.8443 Duration of suspension or revocation.
- 626.8447 Effect of suspension or revocation upon other licensees, appointees.
- 626.845 Cancellation of license.
- 626.8453 Penalty for violation.
- 626.8457 Administrative fine in lieu of suspension or revocation of license or appointment.
- 626.846 Probation.
- 626.8463 Witnesses and evidence.
- 626.8467 Testimony compelled; immunity from prosecution.
- 626.847 Penalty for refusal to testify.
- 626.8473 Escrow; trust fund.
- PART VI INSURANCE ADJUSTERS(ss. 626.851-626.8797)
- 626.851 Short title.
- 626.852 Scope of this part.
- 626.853 Part supplements licensing law.
- 626.854 “Public adjuster” defined; prohibitions.
- 626.8541 Public adjuster apprentice.
- 626.855 “Independent adjuster” defined.
- 626.856 “Company employee adjuster” defined.
- 626.858 “Nonresident company employee adjuster” defined.
- 626.8582 “Nonresident public adjuster” defined.
- 626.8584 “Nonresident independent adjuster” defined.
- 626.859 “Catastrophe” or “emergency” adjuster defined.
- 626.860 Attorneys at law; exemption.
- 626.861 Insurer’s officers, insurer’s employees, reciprocal insurer’s representatives; adjustments by.
- 626.862 Agents; adjustments by.
- 626.863 Licensed independent adjusters required; insurers’ responsibility.
- 626.864 Adjuster license types.
- 626.865 Public adjuster’s qualifications, bond.
- 626.8651 Public adjuster apprentice license; qualifications.
- 626.866 Independent adjuster’s qualifications.
- 626.867 Company employee adjuster’s qualifications.
- 626.869 License, adjusters; continuing education.
- 626.8695 Primary adjuster.
- 626.8696 Application for adjusting firm license.
- 626.8697 Grounds for refusal, suspension, or revocation of adjusting firm license.
- 626.8698 Disciplinary guidelines for public adjusters and public adjuster apprentices.
- 626.870 Application for license.
- 626.871 Reappointment after military service.
- 626.872 Temporary license.
- 626.873 Nonresident company employee adjusters.
- 626.8732 Nonresident public adjuster’s qualifications, bond.
- 626.8734 Nonresident independent adjuster’s qualifications.
- 626.8736 Nonresident independent or public adjusters; service of process.
- 626.8737 Nonresident adjusters; retaliatory provision.
- 626.8738 Penalty for violation.
- 626.874 Catastrophe or emergency adjusters.
- 626.875 Office and records.
- 626.876 Exclusive employment; public adjusters, independent adjusters.
- 626.877 Adjustments to comply with insurance contract and law.
- 626.878 Rules; code of ethics.
- 626.879 Pools of insurance adjusters.
- 626.8795 Public adjusters; prohibition of conflict of interest.
- 626.8796 Public adjuster contracts; fraud statement.
- 626.8797 Proof of loss; fraud statement.
- PART VII INSURANCE ADMINISTRATORS(ss. 626.88-626.8991)
- 626.88 Definitions.
- 626.8805 Certificate of authority to act as administrator.
- 626.8809 Fidelity bond.
- 626.8814 Disclosure of ownership or affiliation.
- 626.8817 Responsibilities of insurance company with respect to administration of coverage insured.
- 626.882 Agreement between administrator and insurer; required provisions; maintenance of records.
- 626.883 Administrator as intermediary; collections held in fiduciary capacity; establishment of account; disbursement; payments on behalf of insurer.
- 626.884 Maintenance of records by administrator; access; confidentiality.
- 626.885 Notice; statement of charge or premium for coverage.
- 626.886 Delivery of insurer’s written communications to policyholders.
- 626.887 Advertising; approval by insurer.
- 626.888 Adjustment or settlement of claims; compensation of administrator.
- 626.89 Annual financial statement and filing fee; notice of change of ownership.
- 626.891 Grounds for suspension or revocation of certificate of authority.
- 626.892 Order of suspension or revocation of certificate of authority; notice.
- 626.893 Period of suspension; obligations during suspension; reinstatement.
- 626.894 Administrative fine in lieu of suspension or revocation.
- 626.895 Definition of “service company” or “service agent”.
- 626.896 Servicing requirements for self-insurers and multiple-employer welfare arrangements.
- 626.897 Application for authorization to act as service company; bond.
- 626.898 Requirements for retaining authorization as service company; recertification.
- 626.899 Withdrawal of authorization as service company.
- 626.8991 Adoption of rules.
- PART VIII UNAUTHORIZED INSURERS AND SURPLUS LINES(ss. 626.901-626.939)
- 626.901 Representing or aiding unauthorized insurer prohibited.
- 626.902 Penalty for representing unauthorized insurer.
- 626.903 Suits by unauthorized insurers prohibited.
- 626.904 Unauthorized Insurers Process Law; short title; interpretation.
- 626.905 Purpose of Unauthorized Insurers Process Law.
- 626.906 Acts constituting Chief Financial Officer as process agent.
- 626.907 Service of process; judgment by default.
- 626.908 Defense of action by unauthorized insurer or person representing or aiding such insurer; damages and attorney fee.
- 626.909 Jurisdiction of office and department; service of process on Secretary of State.
- 626.910 Penalty for violation by unauthorized insurers and persons representing or aiding such insurers.
- 626.911 Attorney’s fee.
- 626.912 Exemptions from ss. 626.904-626.911.
- 626.913 Surplus Lines Law; short title; purposes.
- 626.914 Definitions.
- 626.915 Surplus lines insurance authorized.
- 626.916 Eligibility for export.
- 626.917 Eligibility for export; wet marine and transportation, aviation risks.
- 626.918 Eligible surplus lines insurers.
- 626.9181 Levy upon deposit.
- 626.919 Withdrawal of eligibility; surplus lines insurer.
- 626.9201 Notice of cancellation or nonrenewal.
- 626.921 Florida Surplus Lines Service Office.
- 626.922 Evidence of the insurance; changes; penalty.
- 626.923 Filing copy of policy or certificate.
- 626.924 Information required on contract.
- 626.925 Surplus lines insurance valid.
- 626.926 Liability of insurer as to losses and unearned premiums.
- 626.927 Licensing of surplus lines agent.
- 626.9271 Temporary license; death, disability, absence of surplus lines agent.
- 626.9272 Licensing of nonresident surplus lines agents.
- 626.928 Surplus lines agent’s bond.
- 626.929 Origination, acceptance, placement of surplus lines business.
- 626.9295 Corporations, liability of agent.
- 626.930 Records of surplus lines agent.
- 626.931 Agent affidavit and insurer reporting requirements.
- 626.932 Surplus lines tax.
- 626.9325 Service fee.
- 626.933 Collection of tax and service fee.
- 626.934 Accounting for funds; contingent commissions.
- 626.935 Suspension, revocation, or refusal of surplus lines agent’s license.
- 626.936 Failure to file reports or pay tax or service fee; administrative penalty.
- 626.9361 Failure to file report; administrative penalty.
- 626.937 Actions against insurer; service of process.
- 626.9371 Payment of premiums and claims.
- 626.9372 Disclosure statement of certain information required; liability claims.
- 626.9373 Attorney’s fees.
- 626.9374 Liability of insureds; deductible and coinsurance.
- 626.938 Report and tax of independently procured coverages.
- 626.939 Records produced on order.
- PART X VIATICAL SETTLEMENTS(ss. 626.991-626.99295)
- 626.991 Short title.
- 626.9911 Definitions.
- 626.9912 Viatical settlement provider license required; application for license.
- 626.9913 Viatical settlement provider license continuance; annual report; fees; deposit.
- 626.9914 Suspension, revocation, denial, or nonrenewal of viatical settlement provider license; grounds; administrative fine.
- 626.9915 Effect of suspension or revocation of viatical settlement provider license; duration of suspension; reinstatement.
- 626.9916 Viatical settlement broker license required.
- 626.99175 Life expectancy providers; registration required; denial, suspension, revocation.
- 626.99181 Viatical settlement broker’s compensation.
- 626.9919 Notice of change of licensee or registrant’s address or name.
- 626.992 Use of licensed viatical settlement providers, viatical settlement brokers, and registered life expectancy providers required.
- 626.9921 Filing of forms; required procedures; approval.
- 626.9922 Examination.
- 626.9923 Viatical settlement contracts; required disclosures.
- 626.9924 Viatical settlement contracts; procedures; rescission.
- 626.99245 Conflict of regulation of viaticals.
- 626.9925 Rules.
- 626.9926 Rate regulation not authorized.
- 626.9927 Unfair trade practices; cease and desist; injunctions; civil remedy.
- 626.99272 Cease and desist orders and fines.
- 626.99275 Prohibited practices; penalties.
- 626.99278 Viatical provider anti-fraud plan.
- 626.9928 Acquisitions.
- 626.99285 Applicability of insurance code.
- 626.99287 Contestability of viaticated policies.
- 626.99295 Grace period.
- PART XI STRUCTURED SETTLEMENTS(s. 626.99296)