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SB 1504

Insurance Customer Representative Licensing Qualifications

2026 Regular Session Introduced by Alexis Calatayud

SB 1504 revises Florida insurance customer representative licensing qualifications, affecting professional standards and consumer protection in the insurance industry.

Referred to Banking and Insurance; Appropriations Committee on Agriculture, Environment, and General Government; Rules
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Bill Summary · SB 1504

Legislative bill overview

SB 1504 modifies the licensing qualifications and requirements for insurance customer representatives in Florida. The bill adjusts educational, examination, and professional standards that individuals must meet to obtain and maintain their customer representative licenses in the insurance industry.

Why is this important

Insurance customer representatives are frontline professionals who interact directly with consumers seeking coverage and filing claims. Changes to their licensing standards affect both consumer protection—through competency requirements—and market accessibility for insurance professionals entering the field.

Potential points of contention

  • Barrier to entry vs. consumer protection: Stricter qualifications could reduce the labor pool and increase operational costs for insurers, while supporters argue stronger standards protect consumers from inadequate advice
  • Scope and definition disputes: Disagreement over which roles qualify as "customer representatives" and whether different insurance types (auto, health, property) warrant different standards
  • Grandfather clause concerns: Questions about whether existing license holders must meet new requirements or if changes apply only to future applicants, affecting current workforce stability

Compiled from official sources — confirm details with the bill’s official record.

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