Q. Can I get a refund?
A. No. School policy is no refunds.

Q. What are your business hours?
A. 9am to 12pm and 1pm to 5pm, Monday through Friday (Except Holidays)

Q. Are you there on Saturday so I can pick up my books?
A. No. See business hours.

Q. How long have you been in business?
A. The school was started in 1976 teaching only Property-Casualty licensing. The licensing class for Life, Health and Annuity was added in 1982 and continuing education in 1992.

Q. Is the school accredited?
A. The American Association of Insurance and Financial Professionals, Inc. dba Hilda Tucker Insurance School is certified by the Florida Department of Financial Services to hold pre-licensing and continuing education courses as required by the Florida Statutes for licensure and continuing education.

Q. I want to sign up for an insurance class but I don’t know which one?
A. Life and Health is the 40-Hr Life, Health and Annuity class. To be licensed to sell such as Auto, Homeowners, Commercial, Workers Compensation it is the 200-Hr Property-Casualty (General Lines) class.?

Q. Can I pick up my books for the General Lines Property-Casualty course in advance?
A. All books and materials are given to students on the first day of class. This way everyone begins on the same foot.

Q. Can I pick up my books for the Life, Health and Annuity course in advance?
A. These books should be picked up several days prior to class. Students are encouraged to read as much as possible before the first day as the state manual is now 600 pages long.

Q. Is there a dress code for class attendance?
A. No. Something comfortable as students will be sitting all day.

Q. When do classes break for lunch?
A. Classes break for lunch between 12pm and 1pm. Classes are based on 50 minute hours with a 10 minute break every 50 minutes.

Q. What do I need to bring the first day of class?
A. For licensing classes bring a highlighter and legal pad or notebook for notes. A photo ID is the only thing needed for the continuing education classes.

Q. What is the minimum hourly requirement for licensing classes?
A. You must attend at least 75% of the required hours in order to be certified. No hours should be missed unless there is sickness or an emergency as you will be missing valuable information needed to pass the state exam.

Q. Will I be tested in the Pre-licensing classes?
A. Yes. You must pass the course with a 70% or above. Students in the 40-Hour Life, Health and Annuity class will have two exams – one for Life and Annuities and one for Health. Students in the 200-Hour General Lines class will have five unit tests and one final exam. Students in the 40-Hour General Lines (Conversion Class) will have a final exam. Students in the 60-Hour Surplus Lines class will have a final exam.

Q. What if I miss a test?
A. It will be up to you and the instructor to make up any missed testing.

Q. Can I make up any missed hours in another class?
A. Yes. As long as there is another class like yours going on at the same time, but there will be a transfer fee of $30 to pay for administrative charges to change the paperwork for transfers to another class.

Q. How long is the course work for a pre-licensing class good?
A. The Certification is good for 4 years. If the student has not taken the state exam within that 4-year period then they must retake the pre-licensing course all over again as if they had never taken it at all.

Q. Do you schedule the state exam for us?
A. No. Each agent must schedule his/her state exam.

Q. When can I schedule the state exam?
A. You can go online to the Florida Department of Financial Services website to apply, www.fldfs.com. On the Home Page click the “Insurance Education Requirements” tab, on this page click “Individual”, enter your SS# and DOB and hit “login”. This will take you to the application.

Q. What license am I applying for?
A. If you are applying for the Life, Health and Annuity license it is a 0215, the Property-Casualty (General Lines) license is a 0220, the Customer Service Representative is a 0440, Personal Lines is a 2044, Surplus Lines is a 0120.

Q. Where is the state exam given?
A. It is given in every county. Check Promissor’s website at www.promissor.com for locations.

Q. When do they give the state exam?
A. Every weekday and several times during the day. Promissor is the company that will schedule your exam date.

Q. Do I have to have my fingerprints taken?
A. Yes, unless you have had them taken for another insurance license within the past year. If it has been one day over a year they must be done again.

Q. Where are the fingerprints done?
A. Usually the School Board in each county. Check the Department’s website under “Electronic Fingerprinting” for the locations, times, days of the week, and phone numbers. You can pay for the fingerprinting in advance at www.fldfsprints.com or call 888-717-5699. Fingerprinting runs around $64.00.

Q. Can I take the state exam again if I fail?
A. Yes. It is just a matter of reapplying. It will probably take a couple of weeks.

Q. What is the schools’ passing rate on the state exams?
A. On the Property-Casualty it is about 98% of our students pass the first time, whereas state wide the passing rate is about 13%. For the Life, Health and Annuity it is about 95% provided you take the Life and Health Comprehensive Program. Statewide it is about 30%.

Q. How do I sign up for the Life and Health Review?
A. Call the school one week prior to the date for any L/H Review class date to sign up. Students must have completed the packet of 750 questions in order to be eligible for the review. If a student signs up for the review and does not show up then this disqualifies him/her for any other review classes.

Q. What is included in the Property-Casualty Crash Course?
A. The class, Workbook and Study Guide. The state manual is NOT included. It may be purchased from the state. Generally those attending this class already have a state manual.

Q. Will I be tested in the Continuing Education class?
A. No. Tests are only required for correspondence or online classes, not classroom. Attendance is all that is necessary.

Q. How many Continuing Education hours do I need?
A. For agents licensed in Florida for at least 6 years when their compliance period begins, only 20 hours is required. These 20 hours must be in Intermediate or Advanced classes, not basic. We only provide Advanced or Intermediate classes. For agents licensed less than 6 years when their compliance period begins the requirement is 24 hours. ALL agents must also have at least 3 hours in Agents Ethics within their required hours. If you are unsure as to your requirement then the best thing would be to check with the Department of Financial Services (850) 413-3137 or check the website at www.fldfs.com.

Q. Do I have to report my continuing education credits to the Department of Financial Services?
A. No. We are a certified school in Florida and as such are required to file the list of students attending classes and being certified. The agent’s responsibility is to take the required courses on time and retain a copy of the Certificate of Completion for at least 5 years. Schools get 20 days to report course attendees to the Department. We generally report within a couple of days after the course is completed.

Q. Can you repeat the same course for continuing education and receive credit?
A. You cannot repeat a course within a three-year period and receive credit. We change our courses about every year to eighteen months and generally check to see if students are repeating a course of ours so that it can be changed.

Q. I need 3 hours of Life and Health Continuing Education and 6 hours of Property-Casualty Continuing Education. Will the Department give me credit for these if I take one 10-hour generic class?
A. Yes. The Department will split the hours for the generic and apply them to what is needed.

Q. I need 20 hours of continuing education. Is the new requirement for 3 hours for Ethics part of these 20 hours or in addition to the 20 hours?
A. It is part of the total 20 hours.

Q. I am late getting my continuing education credits. Will the Department suspend my license?
A. Generally they will fine the agent $250 and require they take the required continuing education hours within about 90 days. They will also cancel all appointments and not permit any new appointments until these requirements are fulfilled.

Q. I took an Ethics course at Broward Community College. Will your Ethics class be a repeat?
A. No. All of our courses are unique to our school. No other school has our courses even though they may be similar in content or name.

Q. How quickly do you report the continuing education credits to the Department of Financial Services?
A. Schools have 20 days to report classes. Our school reports classes within a week following the end of class and usually within a day or two.

Q. My compliance period ends this month. Will my credits be reported before the end of the month?
A. Agents are required to sit for all of their credits by the end of their birth month. Schools have 20 days to report classes. The agent has fulfilled their responsibility as long as they have TAKEN all of their required hours by midnight on the last day of their birth month.

Q. I cannot find my Certificate of Completion and need it for my job. Can you send me a new one?
A. Yes. It will cost $25 and is payable in advance. All paper files are packed away and this takes time for us to locate your class. They cannot just be printed again as we must have instructor’s signatures.