Titular de Insurance Insights
Volume 5, No. 9 - September 2016

Esquina de Cumplimiento

This section has been created to assist you in keeping your insurance business in compliance. The items are intended as reminders only. Note: Division publications may include references to the Estatutos de la Florida and/or the Código Administrativo de la Florida. The laws noted in our publications are/were in effect at the time of publication but may have been repealed, amended or replaced and new laws may have been enacted subsequently.

Navegación Compliance Topic of the Month ~ Navigators

¿Qué es un navegador?
"Navigator" means an individual authorized by the Federally-Facilitated Exchange (Exchange), also known as the Marketplace to serve as a navigator, or who works on behalf of an entity authorized by the Exchange to serve as a navigator, pursuant to 42 U.S.C. s. 18031(i)(1), who facilitates the selection of a qualified health plan through the exchange and performs any other duties specified under 42 U.S.C. s. 18031(i)(3).

Para registrarse como navegador, la persona interesada debe:

  • Ser una persona naturalizada de al menos 18 años.
  • Ser ciudadano de los Estados Unidos o extranjero legal que posea autorización para trabajar otorgada por la Oficina de Ciudadanía y Servicios Migratorios de los Estados Unidos.
  • Enviar la solicitud de registro al responder todas las preguntas y pagar los cargos para completar la solicitud en línea.
  • Provide official certification that he or she has successfully completed all required training by the federal government and has been certified by them as a Marketplace Navigator. The certificate of completion that states it is "not an official certification record" is not sufficient. Please provide the official certificate that has the navigator's unique ID number assigned by the HHS (U.S. Department of Health and Human Services) and the organization where they are employed.
  • Enviar las huellas dactilares para verificación de antecedentes penales.
  • Ciertos tipos de delitos podrían prohibirle permanentemente el registro a un individuo o descalificar a un solicitante por períodos específicos.

Puede encontrar más información en la página de requisitos haciendo clic aquí.

Navigators are prohibited from:

  • Solicitar, negociar o vender seguros de salud;
  • Recomendar la compra de un plan de salud particular o manifestar que un determinado plan de salud es preferible a otro;
  • Recomendar o ayudar a cancelar la cobertura de seguro comprada fuera del Intercambio;
  • Recibir compensación o algún tipo de valor por parte de una aseguradora, plan de salud, empresa o consumidor que estuviera relacionada con la realización de actividades como navegador, que no sean aquellas del Intercambio o de una entidad o individuo que haya recibido una subvención para navegador según la PPACA.

How do I apply to become registered as a navigator?
To apply for registration as a navigator, you must go to Mi Perfil y seguir los pasos correspondientes. Si aún no tiene una cuenta de Mi Perfil, primero necesitará crear una.

If I'm interested in becoming a navigator, who should I contact?
You should contact the Navigator entities that are awarded grants by the federal government.

Certified Marketplace Application Counselors are not required to be registered as a navigator by the Florida Department of Financial Services (DFS) as they are not regulated by DFS. If you are a certified Marketplace Application Counselor, please do not apply for registration as a Florida navigator.

Unlicensed Agency Personnel

Unlicensed personnel have limited discretion as to how they can support the operations of an insurance agency. Permitted and prohibited activities are described in Rule Chapter 69B-222, F.A.C. Incidental activities and compensation are two of the most important points to remember when employing unlicensed personnel. Incidental activities as described in the rules cannot exceed 10% of an employee's overall activities and compensation cannot be made based on the individual production of the unlicensed person. The following actions are never allowable by unlicensed personnel:

  • Comparing insurance products; advising as to insurance needs or insurance matters; or interpreting policies or coverage.
  • Binding new, additional or replacement coverage for new or existing customers; or binding coverage on or recording additional property under existing policies.
  • Soliciting the sale of insurance by telephone, in person, or by other communication. However, the unlicensed person may telephone persons to set appointments for licensed and appointed agents, customer representatives, or to obtain basic policy information as to existing insurance coverage. The unlicensed person may not engage in a substantive discussion of insurance products.

Transacting insurance without the appropriate license and appointment, regardless of the line of business, is a third-degree felony, punishable as provided in s. 775.082, s. 775.083, or s. 775.084, Estatutos de la Florida

Title Insurance Agencies - Consumer Inquiries

We are providing brief regulatory guidance about a few topics related to title insurance activities that we've receive consumer inquiries about:

¿Cuánto tiempo tengo después del cierre para registrar la escritura y la hipoteca?

La responsabilidad de la compañía de seguro es de duración indefinida hasta que la escritura y la hipoteca sean debidamente registradas. Por lo tanto, es para beneficio de todos el registrar dichos documentos después del cierre, tan pronto como sea posible. El no registrar los documentos podría originar una reclamación para la aseguradora, quien podría poner a su agencia en violación de los Estatutos de la Florida, así como poner en riesgo el contrato de la agencia para representar a esa aseguradora de títulos.

¿Cómo registro adecuadamente un reembolso que mi agencia está otorgando?

Both the premium and the rebate must be disclosed as separate items on the Closing Disclosure form.

¿Puedo cobrar por el examen de los registros de título?

El examen o evaluación de los registros para determinar la asegurabilidad de una propiedad se considera parte de los servicios de títulos primarios, los cuales son un componente de la prima y no se cobra una tarifa aparte al consumidor.

¿Podemos cobrar por el depósito de los registros de cierre?

Los Estatutos de la Florida requieren que la agencia de seguro de títulos y la compañía de seguros de título retengan copias de los registros relacionados a la emisión de la póliza de seguros del título y de los fondos que fueron desembolsados de la cuenta en plica. Dichas tarifas no deben pasarse al consumidor como cargos por artículos en líneas separadas. La agencia de seguro de títulos puede incluir el costo del depósito de aquellos registros en los cálculos que la agencia realice para la tarifa de servicios de cierre.

To ensure you and your agency are complying with the Florida Insurance Code, we recommend all licensees become familiar with Florida Statutes Chapter 626, Part V - Title Insurance Agents, Rule Chapter 69B-186, y 69O-186 of the Florida Administrative Code, and the Preguntas Frecuentes on this topic available at the Division's website. Compliance questions can be sent to Title@MyFloridaCFO.com.

Late Appointment Renewals

A non-refundable $25 late fee is required in addition to the $60 appointment fee for each appointment renewed late. The late fee must be paid by the appointing entity and cannot be charged back to the appointee. [See s. 624.501, s. 626.331(4), s. 626.381, and s. 648.383, Estatuto de la Florida]

For example, if an appointment expiration date is March 31, 2017, the invoice would become available for payment on March 1, 2017. On April 1, 2017, late fees are assessed, and the invoice remains available for payment until May 15, 2017. On May 16, 2017, if payment has not been received, the appointment is cancelled.

If the appointing entity wishes to reinstate an appointment after the appointment was cancelled for CE Non-Compliance, the appointing entity must pay a $60.00 appointment reinstatement fee to reestablish the prior appointment. If the CE requirement is not met prior to the original appointment’s expiration date, the appointment cannot be reinstated without occurring additional fees.

Other than for an appointment cancellation for CE Non-Compliance, if the appointing entity wishes to backdate an appointment to show no lapse in appointment coverage and the requested appointment date is more than 45 days from the submission date, and is within 24-months from the submission date, a $250 late fee will be assessed. A new appointment submission with the requested effective date must be submitted through the appointing entity's eAppoint account.

If the appointing entity wishes to backdate an appointment more than 24-months, the appointing entity must complete an Affidavit of Insurance Activity While Not Properly Appointed form, found under Miscellaneous Forms on our website at, http://www.myfloridacfo.com/Division/Agents/Licensure/Forms/default.htm, and submit the form per the instruction on the form.

For more information, see s. 626.331(4), s. 626.371, and s. 648.382 of the Florida Statutes

Referral Fees

We receive numerous inquiries weekly about referral fees, and it's been a frequent topic in newsletter articles. We are including it again to provide clarification.

An agent may pay an unlicensed person for referrals of potential clients as long as it complies with s. 626.112(8) que establece "Ningún agente de seguros, agencia de seguros u otra persona con licencia bajo el Código de Seguros tiene que pagar una tarifa u otra consideración a una persona sin licencia aparte de una agencia de seguros por la referencia de posibles compradores a un agente de seguros que de cualquier forma depende de si la referencia resulta en la compra de un producto de seguros".

Often, licensees ask if they can pay "referral fees, compensation, finder's fee", etc. to other agents for referring business to them. When a licensee provides any compensation to another licensee for the referral of business, it is considered commission sharing. Lawful commission sharing can only take place between like-licensed individual agents. however, commissions can be paid to a licensed insurance agency. For example, to facilitate paying a share of the commission to a general lines agent for the referral of life insurance business, life insurance commissions can be paid to the general lines agent's licensed insurance agency [See s. 626.753, s. 626,794, and s. 626.838, Estatutos de la Florida

Información sobre Cumplimiento

Department licensees and consumers can access compliance information at the Division of Insurance Agent and Agency Services' web page Información sobre Cumplimiento. Additional information is available by type of license at our Preguntas Frecuentes web page.