The National Underwriter Company
Continuing Education State Requirements
States
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, WyomingAlaska (AK)
Continuing Education Requirements
Residents
? Must complete 24 hours of continuing education every two years.
? Compliance is due in odd years if born in odd year, even years if born in even year.
? Licensees must self-report hours.
? Multiple lines or types of insurance do not require additional continuing education requirements.
? May not take more than 8 credit hours per reporting period in courses on business organization, management and environment, such as motivation, psychology and sales training.
? Licensees of reciprocal states that have met their resident state?s CE requirements are exempt.
? Those that do not claim this exemption must satisfy Alaska resident CE requirements.
Monitoring Requirements - None
Carryovers - Up to 8 excess hours may be carried over to the next period.
Website - http://www.dced.state.ak.us/insurance
Alabama (AL)
Continuing Education Requirements
? Must complete 12 hours of CE annually beginning first full licensed compliance period.
? Ten hours must be in license-related courses.
? Due last day of birthday month.
? Residents of reciprocal states that meet their state?s CE requirements are exempt
? Those who do not claim this exemption must satisfy Alabama resident CE
Professional Designation - Alabama residents who hold LUTC, CLU, CPCU, CIC, CHFC, CFP, RHU, REBC, CHC or ARM designations.
Age and Experience - Individuals 60 years of age or older who have held their license for 15 consecutive years.
Print Exams - A disinterested third party (a person with no employment or family relationship to the student) must monitor the exam. The monitor should take the sealed exam envelope and completes the Declaration of Compliance on the back of the answer sheet before forwarding exam materials.
Carryovers - Up to 12 excess hours may be carried over to the next period.
Repetitions- Courses may be retaken for credit after one year.
Website - http://www.state.al.us.com
Arkansas (AR)
Continuing Education Requirements
? 8 CE hours must be completed annually by all licensees
? 10 hours required for dual licensees in life and/or disability and property and casualty
? Credits are due on the licensee?s birthday each year
Non-Residents - None
Age- Exemption may be requested by licensees that are 60 years or older
Experience - individuals actively licensed for 15 consecutive years or more may request exemption.
Print Exams - State-registered monitoring is required. The monitor must:
? Open the exam package and complete the Exam Monitor Affidavit Form.
? Remain in the room during the exam process.
? Collect the completed exam, seal the package and mail the materials.
Online Exams - State-registered monitor is required. The monitor must:
? Key in the required information at the beginning of the online exam.
? Remain in the room during the exam process.
Carryovers - Excess hours may be carried over to the next period.
Repetitions - Courses may be repeated for credit after two years
Website - http://www.state.ar.us/insurance/
Arizona (AZ)
Continuing Education Requirements
? Twenty hours every two years for licensees that also hold a non-resident license and have a single license line
? Thirty hours every two years for licensees that also hold a non-resident license and have more than one license line
? Credits are due every two years on license anniversary date
? Licensees of reciprocal states that have met their Continuing Education requirements are exempt
? Licensees that do not claim this exemption must satisfy Arizona requirements
Print Exams - Monitored by a CE provider or another licensed producer, who must:
? Open the exam package and complete the Exam Monitor Affidavit Form.
? Remain in the room during the exam process.
? Collect the completed exam, seal the package and mail the materials.
Online Exams - Monitored by a CE provider or another licensed producer, who must:
? Key in the required information at the beginning of the online exam.
? Remain in the room during the exam process.
Carryover - None permitted
Repetition - Courses may be repeated for credit after two years
Website - http://www.state.az.us/id
California (CA)
Continuing Education Requirements
? 25 hours in courses approved for license area each year for 4 years following the original issue date of license
? Thirty hours in licensed area every two years after 4 years of licensing
? Credits due on license anniversary date
? Individuals licensed in both Life and P&C can complete courses approved for either line
? Licensees marketing long-term care insurance must complete an 8 hour California specific LTC CE course
? Licensees that meet their state?s CE requirements are exempt from California CE.
? Those marketing Long Term Care products must complete an 8 hour California specific LTC CE course
Age and Experience - Licensees 70 years of age or older licensed in good standing for 30 continuous years are exempt, but must meet the CA long-term care requirement to sell long-term care insurance
Monitoring Requirements - None
Carryovers - Up to 25 hours may be carried over by those licensed for less than four years; Up to 30 hours earned in the second year of the compliance period may be carried over by those licensed more than four years
Repetitions - Courses may be repeated for credit after two years
Website - http://www.insurance.ca.gov
Colorado (CO)
Continuing Education Requirements
Residents
? 24 hours biennially; new licensees have until their second compliance period to meet requirements
? Credits are due January 1st of each two-years compliance period
? Licensees in either P&C or L&H must earn at least 18 of their hours in line-of-business courses beginning two years after licensing
? Those licensed in both P&C and L&H may earn credits in either group
? Licensees selling long-term care must have a Health license and complete a two-hour CO-approved LTC course as a one time requirement; if the course is approved for CE the hours may be applied to the total CE requirement
? Licensees of reciprocal states that have met their state?s CE requirements may be exempted by submitting a letter of certification not more than 90 days old obtained from their home state?s insurance department
Print Exams - Monitored by a disinterested third party (defined as a person with no employment or family relationship to the student - cannot be co-worker or supervisor) who must:
? Open the exam package and complete the Exam Monitor Affidavit Form.
? Remain in the room during the exam process.
? Collect the completed exam, seal the package and mail the materials.
Online Exams - Monitored by a disinterested third party (defined as a person with no employment or family relationship to the student - cannot be co-worker or supervisor) who must:
? Key in the required information at the beginning of the online exam
? Remain in the room during the exam process
Carryovers - Up to 12 excess hours may be carried over to the next period if earned within 120 days of the end of the compliance period
Repetitions - Courses may be repeated for credit after three years
Website - http://www.dora.state.co.us/insurance
Connecticut
(CT) Continuing Education Requirements
Residents
? 24 hours every two years
? Individuals licensed during the first 12 months of a compliance period need only complete 12 hours
? Individuals licensed during the last 12 months of a compliance period have no CE requirements
? Credits are due January 31st of even-numbered years
? 3 credit hours of Law/Regulations/Ethics are required each compliance period
? Life, Accident and Health licensees must earn at least 6 CE hours in Life/Health courses (3 hours when licensed during the first 12 months of a compliance period)
? P&C licensees must earn at least 6 hours in property/casualty courses (3 hours when licensed during the first 12 months of a compliance period)
? Licensees who sell variable contracts must meet Life license requirements and NASD certification
? Licensees of reciprocal states that meet the CE requirements of their resident states are exempt
? Licensees who do not claim this exemption must meet Connecticut resident requirements
Monitoring Requirements
Print Exams - Monitored by a disinterested third party (defined as a person with no employment or family relationship to the student - cannot be co-worker or supervisor) who must:
? Open the exam package and complete the Exam Monitor Affidavit Form.
? Remain in the room during the exam process.
? Collect the completed exam, seal the package and mail the materials.
Online Exams - Monitored by a disinterested third party (defined as a person with no employment or family relationship to the student - cannot be co-worker or supervisor) who must:
? Key in the required information at the beginning of the online exam
? Remain in the room during the exam process
Carryovers - None permitted
Repetitions - Courses may be repeated for credit after two years
Website - http://www.state.ct.us/cid
Delaware (DE)
Continuing Education Requirements
? 20 credit hours (including 4 in ethics) every two years
? Credits are due February 28 of even-numbered years
? Licensees of reciprocal states that meet the CE requirements of their resident states are exempt
? Licensees who do not claim this exemption must meet Delaware resident requirements
Professional Designation - Residents who hold the AAI, CEBS, ChFC, CFP, CICCLU, CPCU, FLMI, FSPA or RHU designation are automatically credited with 10 CE hours (these hours do not apply to ethics requirement)
Age and Experience - Individuals licensed for at least 25 consecutive receive 10 automatic credits in each compliance period (hours do not apply to ethics requirement)
Carryovers - Up 5 excess hours may be carried over to the next period (including ethics hours)
Repetitions - Courses may be repeated for credit after five years
Website - http://www.state.de.us/inscom/
Florida (FL)
Continuing Education Requirements
? 28 hours of CE every two years for the first six years of license
? 20 intermediate or advanced course hours every 2 years for those licensed 6 or more years must complete 20 hours every 2 years
? General Lines Agents licensed only in P&C must complete 50% or more of their CE in P&C courses and the remainder in Health
? Life & Health Licensees must complete L&H approved courses
? Licensees with a Life or Health AND Property and Casualty must compete 50% of CE in Life or Health and 50% in Property and Casualty courses
? Licensees of reciprocal states that meet the CE requirements of their resident states are exempt
? Licensees who do not claim this exemption must meet Florida resident requirements
Age and Experience - Those licensed for at least 25 consecutive years that hold a professional designation of CLU or CPCU need only 14 hours every two years
Print Exams - Print exams are not available for use in obtaining Florida CE credits
Online Exams - Monitoring is not required for online exams used to gain credit for completion of interactive courses
Carryovers - Up to 28 excess hours may be carried over to the next period.
Repetitions - Courses can be repeated for credit after three years
Website - http://www.doi.state.fl.us/
Georgia (GA)
Continuing Education Requirements
? 15 hours of CE per year during the first 19 years of licensure
? Single license holders must take courses in that license line
? 10 hours per year after holding a license for 20 or more years
? 3 hours of Ethics CE is required each year
? The annual compliance period is based on the last two digits of the license number:
o 00-24: September 1
o 25-49: October 1
o 50-74: November 1
o 75-99: December 1
? Licensees of reciprocal states that meet the CE requirements of their resident states are exempt
? Licensees who do not claim this exemption must meet Georgia resident requirements
Professional Designations - Individuals with CIC, CPCU, CLU, FLMI, CEBS, ChFC or AAI designations are required to complete only 6 hours of CE annually (minimum 3 ethics hours)
Print Exams - Monitored by a disinterested third party (defined as a person with no employment or family relationship to the student - cannot be co-worker or supervisor) who must:
? Open the exam package and complete the Exam Monitor Affidavit Form.
? Remain in the room during the exam process.
? Collect the completed exam, seal the package and mail the materials.
Online Exams - Monitored by a disinterested third party (defined as a person with no employment or family relationship to the student - cannot be co-worker or supervisor) who must:
? Key in the required information at the beginning of the online exam
? Remain in the room during the exam process
Carryovers - Limited to 50% of the CE requirement; ethics hours can be carried over but will not count toward the ethics requirement for the next compliance period
Repetitions - Courses can be repeated for credit after 5 years
Website - http://www.inscomm.state.ga.us
Hawaii (HI)
Continuing Education Requirements
? For individuals licensed only in Life/Health or Property/Casualty: 20 hours of CE courses approved for licensed line of business every 2 years
? For individuals licensed in both Life/Health and Property/Casualty: 30 hours every two years as follows:
o 12 hours in Life or Disability, including 3 hours relating to the insurance code and insurance administrative rules
o 18 hours in Property/Casualty, including 3 hours relating to the insurance code and insurance administrative rules
? 3 credit hours in Hawaii insurance code and administrative rules are required for all licensees each compliance period
? Credits are due 30 days before bi-annual license issuance anniversary (odd years if licensed in an odd year, even years if licensed in an even year)
? Hawaii has no reciprocity agreements with other states as this time, but anticipates putting such agreements into place in the near future
? Individuals who hold only a limited license under section 431:9-214 of the Hawaii Revised Statutes
Print Exams - Monitored by a disinterested third party (defined as a person with no employment or family relationship to the student - cannot be co-worker or supervisor) who must:
? Open the exam package and complete the Exam Monitor Affidavit Form
? Remain in the room during the exam process
? Collect the completed exam, seal the package and mail the materials
Online Exams - Monitored by a disinterested third party (defined as a person with no employment or family relationship to the student - cannot be co-worker or supervisor) who must:
? Key in the required information at the beginning of the online exam
? Remain in the room during the exam process
Repetitions - Courses may
be retaken for credit during future compliance periods provided the course is
updated and continues to be approved
Carryovers - Carryover of excess hours is not permitted.
Website - http://www.state.hi.us/dcca/ins/
Iowa (IA)
Continuing Education Requirements
? 36 hours of general CE every three years
? 18 hours of the total requirement can be earned through self-study unless a course is part of a national designation
? Up to 36 CE credits can be earned through a national designation course; if less than 36 credits are earned, the balance must be earned through classroom instruction
? Licensees of states that meet their states? CE requirements are exempt from Iowa CE requirements
Professional Designation - Licensed attorneys who are also insurance producers are exempt upon submission of proof of completion of continuing legal education for the compliance period and payment of the CE fee
Print Exams - Monitored by a CE provider or another licensed producer, who must:
? Open the exam package and complete the Exam Monitor Affidavit Form.
? Remain in the room during the exam process.
? Collect the completed exam, seal the package and mail the materials.
Online Exams - Monitored by a CE provider or another licensed producer, who must:
? Key in the required information at the beginning of the online exam.
? Remain in the room during the exam process.
Carryovers - Carryover of excess hours is not permitted
Repetitions - Courses can be repeated for CE credit during future compliance periods
Website - www.iid.state.ia.us/
Idaho (ID)
Continuing Education Requirements
? 40 hours every two years during the individual?s first 3 licensing periods and for subsequent periods if all lines are held (Life, Disability, Property and Casualty)
? 12 hours every two years in courses approved for each licensed line during subsequent licensing periods (if three or fewer lines are held)
? Due on bi-annual license anniversary
? There are no non-resident continuing education requirements in Idaho
Monitoring Requirements - None
Carryovers - Up to 20 hours may be carried over to future compliance periods
Website - http://www.doi.state.id.us
Illinois (IL)
Continuing Education Requirements
? 30 hours of CE credits every two years
? 6 hours in a course approved for Illinois LTC education must be completed before marketing LTC products (one time requirement - hours count as CE hours)
? Due on bi-annual license anniversary date
? There are no non-resident continuing education requirements for non-residents that file a current letter of certification (must be less than 90 days old)
Monitoring Requirements - None
Carryovers - Up to 15 excess hours may be carried over to the next compliance period
Repetitions - Courses can be retaken for CE credit after three years
Website - http://www.state.il.us/ins/default.htm
Indiana (IN)
Continuing Education Requirements
Residents
? 30 hours every two years for licenses issued or renewed before 1/1/2001
? 40 hours every four years for licenses issued or renewed after 1/1/2001
? 10 hours every year for limited lines licensees (Mortgage, Title, Industrial Fire, Funeral Directors or Crop Insurance)
? Individuals licensed to sell long-term care insurance must earn 8 hours of LTC CE credit during the compliance period in which they receive the license, 5 hours during subsequent periods (counts toward overall CE requirements)
? Due license issuance anniversary every 4 years
? Non-resident Indiana licensees who comply with the CE requirements in their resident state are exempt
? Individuals selling long-term care products in Indiana must meet the resident LTC requirement
Print Exams - Monitored by another licensed producer, who must:
? Open the exam package and complete the Exam Monitor Affidavit Form
? Remain in the room during the exam process
? Collect the completed exam, seal the package and mail the materials
Online Exams - Monitored by another licensed producer, who must:
? Key in the required information at the beginning of the online exam
? Remain in the room during the exam process
Carryovers - Carryovers are not permitted
Repetitions - Courses may be repeated for credit in subsequent compliance periods
Website - http://www.ai.org/idoi/index.html
Kansas (KS)
Continuing Education Requirements
? 12 hours every two years for L/H or P/C licensees in courses approved for line in which license is held, including at least 1 hour in ethics
? 24 hours every two years for L/H and P/C licensees with 50% of hours earned in courses approved for each line, including at least 2 hours in ethics
? Due on birth date of odd years if born in an odd year, birth date of even years if born in an even year
? Licensees of reciprocal states that meet the CE requirements of their resident states are exempt
? Licensees who do not claim this exemption must meet Kansas resident requirements
Print Exams - Monitored by a disinterested third party (defined as a person with no employment or family relationship to the student - cannot be co-worker or supervisor) who must:
? Open the exam package and complete the Exam Monitor Affidavit Form.
? Remain in the room during the exam process.
? Collect the completed exam, seal the package and mail the materials.
Online Exams - Monitored by a disinterested third party (defined as a person with no employment or family relationship to the student - cannot be co-worker or supervisor) who must:
? Key in the required information at the beginning of the online exam
? Remain in the room during the exam process
Carryovers - Carryover of excess hours is not permitted
Repetitions - Courses can be repeated for credit after two years
Website - http://www.ink.org/public/kid
Kentucky (KY)
Continuing Education Requirements
? 24 hours every two years, including at least 12 hours fulfilled through classroom study and 2 hours in insurance ethics
? At least 6 of the 24 hours must be in license-related courses
? Licensees of states that meet their states? CE requirements are exempt from Kentucky CE requirements
Variable/Life Annuities License - Licensees holding a Variable Life/Annuities license with a Life license and NASD certification
Monitoring Requirements - None
Carryovers - Up to 12 excess hours may be carried over to the next period
Repetitions - Courses can be repeated for credit after two years
Website - http://www.doi.state.ky.us
Louisiana (LA)
Continuing Education Requirements
? Life and/or Health & Accident licensees: 16 hours every two years, due January 1st of even-numbered years
? Property and/or Casualty licensees: 24 hours every two years, due January 1st of odd-numbered years
? Life/Health and Property/Casualty licensees: 32 hours every two years (including 12 hours of L/H and 20 hours P/C credit), due January 1st every two years
? No more than 50% of the total requirement can be earned through self-study courses
? Licensees of reciprocal states that meet the CE requirements of their resident states are exempt
? Licensees who do not claim this exemption must meet Louisiana resident requirements
Age and Experience - Individuals age 65 years or older licensed for 15 or more consecutive years are exempt (must complete exemption form)
Monitoring Requirements - None
Carryovers - Up to 10 excess classroom hours may be carried over to the next period; self-study hours may not be carried over
Repetitions - Courses can be repeated for credit after two years
Website - http://wwwldi.ldi.state.la.us/
Massachusetts
(MA) Continuing Education Requirements
? 60 hours during the first three years of licensure, including at least one hour in a license-related course
? 45 hours every three years during subsequent periods, including at least one hour in a license-related course
? Licensees of reciprocal states that meet the CE requirements of their resident states are exempt
? Licensees who do not claim this exemption must meet Massachusetts resident requirements
Print Exams - Monitored by a disinterested third party (defined as a person with no employment or family relationship to the student - cannot be co-worker or supervisor) who must:
? Open the exam package and complete the Exam Monitor Affidavit Form.
? Remain in the room during the exam process.
? Collect the completed exam, seal the package and mail the materials.
Online Exams - Monitored by a disinterested third party (defined as a person with no employment or family relationship to the student - cannot be co-worker or supervisor) who must:
? Key in the required information at the beginning of the online exam
? Remain in the room during the exam process
Carryovers - Up to 45 excess hours may be carried over to the next period
Repetitions - Courses can be repeated for credit after six years
Website - http://www.state.ma.us/doi/
Maryland (MD)
Continuing Education Requirements
? 16 hours every two years in courses related to license
? 8 hours every two years for individuals licensed for 25 or more consecutive years
? Up to 50% of the hours can be earned through self-study
? Individuals selling long-term care insurance must earn at least 2 hours of LTC CE
? Licensees in workers comp must earn at least 4 hours in other course topics related to line of business (L/H or P/C)
? Due June 30 of odd-numbered years
? Licensees of reciprocal states that meet the CE requirements of their resident states are exempt
? Licensees who do not claim this exemption must meet Maryland resident requirements
Age and Experience - Individuals 70 or over may apply for a waiver
Carryovers - Carryover of excess hours is not permitted
Repetitions - Courses can be repeated for credit after two years
Website - http://www.mdinsurance.state.md.us/
Maine (ME)
Continuing Education Requirements
? 30 hours every two years
? 15 hours if licensed for more than one year but less than two
? Due October 1st of even-numbered years
? Licensees of states that meet their states? CE requirements are exempt
? Licensees of nonresident states that do not require CE must meet Maine requirements
? Non-Residents holding Annuity Agent Limited licenses must meet resident requirements
Monitoring Requirements - None
Carryovers - Carryover of excess hours is not permitted.
Repetitions - Courses can be repeated for credit after 4 years
Website - http://www.state.me.us/pfr/ins/ins_index.htm /
Michigan (MI)
Continuing Education Requirements
? Licensees of reciprocal states that meet the CE requirements of their resident states are exempt
? Licensees who do not claim this exemption must meet Michigan resident requirements
Monitoring Requirements - None
Carryovers - Carryover of excess hours is not permitted
Repetitions - Courses can be repeated for credit after two years
Website - http://www.cjs.state.mi.us/ins
Minnesota (MN)
Education Requirements
? 30 hours every two years if licensed for 18 months or more
? 15 hours if licensed more than 6 months but less than 18
? Up to 50% of credits can be through online courses and/or company seminars
? Due October 31 every two years
Non-Residents
? Licensees of reciprocal states that meet the CE requirements of their resident states are exempt
? Licensees who do not claim this exemption must meet Minnesota resident requirements
Print Exams - Monitored by a disinterested third party (defined as a person with no employment or family relationship to the student - cannot be co-worker or supervisor) who must:
? Open the exam package and complete the Exam Monitor Affidavit Form.
? Remain in the room during the exam process.
? Collect the completed exam, seal the package and mail the materials.
Online Exams - Monitored by a disinterested third party (defined as a person with no employment or family relationship to the student - cannot be co-worker or supervisor) who must:
? Key in the required information at the beginning of the online exam
? Remain in the room during the exam process
Carryovers - Carryover of excess hours is not permitted
Repetitions - Courses can be repeated for credit after three years
Website - http://www.commerce.state.mn.us/
Missouri (MO)
Continuing Education Requirements
? 10 hours of line specific continuing education credits every two years
? Individuals licensed in multiple lines may earn credits in either line
? 16 hours are required for individuals licensed in all 4 (L/H & P/C) lines in any combination of courses approved for licensed line(s)
? Due on the bi-annual license anniversary date
Non-Residents
? Licensees of reciprocal states that meet the CE requirements of their resident states are exempt (must file certification letter)
? Licensees who do not claim this exemption must meet Missouri resident requirements
Exemptions
Age and Experience - Individuals aged 70 years or older are exempt
Print Exams - Monitored by a disinterested third party (defined as a person with no employment or family relationship to the student - cannot be co-worker or supervisor) who must:
? Open the exam package and complete the Exam Monitor Affidavit Form.
? Remain in the room during the exam process.
? Collect the completed exam, seal the package and mail the materials.
Online Exams - Monitored by a disinterested third party (defined as a person with no employment or family relationship to the student - cannot be co-worker or supervisor) who must:
? Key in the required information at the beginning of the online exam
? Remain in the room during the exam process
Carryovers - Excess hours may be carried over to the next period
Website -http://www.insurance.state.mo.us
Mississippi
(MS) Continuing Education Requirements
? 12 hours annually in license related courses (except the initial license year)
? Individuals licensed in Life/Health and Property/Casualty must earn 12 hours in their primary line and are encouraged to complete an additional 12 hours in secondary line
? Due on license issuance anniversary date
Non-Residents
? Licensees of reciprocal states that meet the CE requirements of their resident states are exempt (must attach an original/current letter of certification from resident state Insurance Department)
? Licensees who do not claim this exemption must meet Mississippi resident requirements
Professional Designations - Mississippi insurance professionals who hold the CLU or LUTC designations are exempt
Print Exams - Monitored by a disinterested third party (defined as a person with no employment or family relationship to the student - cannot be co-worker or supervisor) who must:
? Open the exam package and complete the Exam Monitor Affidavit Form.
? Remain in the room during the exam process.
? Collect the completed exam, seal the package and mail the materials.
Online Exams - Monitored by a disinterested third party (defined as a person with no employment or family relationship to the student - cannot be co-worker or supervisor) who must:
? Key in the required information at the beginning of the online exam
? Remain in the room during the exam process
Carryovers - None permitted
Repetition - Courses may be repeated for credit after three years
Website - http://www.doi.state.ms.us
Montana (MT)
Continuing Education Requirements
? 10 hours every year following the first year of licensure
? 15 hours every year for individuals licensed in more than one line
? Hours must include 1 credit in changes in Montana insurance statutes and administrative rules every biennium
? Annual due date based on first letter of individual?s last name:
o A-C = January 15
o D-H = February 15
o I-L = March 15
o M-O = April 15
o P-S = May 15
o T-Z = June 15
Non-Residents
? Licensees of reciprocal states that meet the CE requirements of their resident states are exempt (must attach an original/current letter of certification not more than 90 days old from resident state Insurance Department)
? Hours must include 1 credit in changes in Montana insurance statutes and administrative rules every biennium
? Licensees who do not claim this exemption must meet Montana resident requirements
Print Exams - Monitored by a disinterested third party (defined as a person with no employment or family relationship to the student - cannot be co-worker or supervisor) who must:
? Open the exam package and complete the Exam Monitor Affidavit Form.
? Remain in the room during the exam process.
? Collect the completed exam, seal the package and mail the materials.
Online Exams - Monitored by a disinterested third party (defined as a person with no employment or family relationship to the student - cannot be co-worker or supervisor) who must:
? Key in the required information at the beginning of the online exam
? Remain in the room during the exam process
Carryovers - Excess hours up to the total number required may be carried forward to the next year
Repetition - Courses may be repeated for credit after two years
Website - http://sao.state.mt.us/
North Carolina
(NC) Continuing Education Requirements
? 12 hours every year in courses related to license for single license holders
? 18 hours every year for multiple license holders, including at least 6 hours in courses related to each license
? Due December 31st each year
Non-Residents
? Licensees of reciprocal states that meet the CE requirements of their resident states are exempt (must send letter of certification by March 1st)
? Licensees who do not claim this exemption must meet North Carolina resident requirements
Age and Experience - Individuals aged 65 years or older that have been licensed for at least 25 consecutive years and hold a CLU, CHFC, FLMI, CBES, LUTCF, FIC, HIA, RHU AAI, AIC, ALCM, ARM, AU, CPCU, INS, CIC, CISR or CPSR designation are exempt
Print Exams - Monitored by a disinterested third party (defined as a person with no employment or family relationship to the student - cannot be co-worker or supervisor) who must:
? Open the exam package and complete the Exam Monitor Affidavit Form.
? Remain in the room during the exam process.
? Collect the completed exam, seal the package and mail the materials.
Online Exams - Monitored by a disinterested third party (defined as a person with no employment or family relationship to the student - cannot be co-worker or supervisor) who must:
? Key in the required information at the beginning of the online exam
? Remain in the room during the exam process
Carryovers - Up to 9 excess hours may be carried over to the next period for a single license, 6 excess hours per line for multiple licenses
Repetitions - Courses may be repeated for credit after three years
You must wait 3 years before repeating a course for credit.
Website - http://www.ncdoi.com/
North Dakota
(ND) Education Requirements
? 15 hours of CE per year reported every two years
? Up to 50% of credits may be earned through self-study courses unless completing an approved national insurance examination
? Due January 1st of year depending on first letter of last name:
o Odd years for letters between A-K
o Even for letters between L-Z
Non-Residents
? Licensees of reciprocal states that meet the CE requirements of their resident states can claim exemption
? Licensees who do not claim this exemption must meet North Dakota resident requirements
Monitoring Requirements - None
No Proctor/Monitor Requirements
Carryovers - Up to 15 excess hours may be carried over to the next period
Repetitions - Courses may be repeated for credit after two years
Website - http://www.state.nd.us/ndins
Nebraska (NE)
Continuing Education Requirements
? 24 hours of continuing education every two years for insurance consultants, brokers and P/C licenses
? 9 hours every two years for life/health licenses, including 6 hours in life courses
? 15 hours every two years for Life with Variable Contracts licensees including 6 hours in life and 6 hours in variables
? 3 hours in ethics are required for all licenses every two years
? Due 45 days before bi-annual license anniversary date
There are no non-resident continuing education requirements in Nebraska.
Exemptions
New Licenses - Credits are not required during the first two years of licensure
Monitoring Requirements - None
Carryovers - Carryover of excess hours is not permitted.
Repetitions - Courses can be
repeated for credit after four years
Website - http://www.nol.org/home/NDOI/
New Hampshire
(NH) Continuing Education Requirements
? 30 hours every two years following the first two years of licensure
? 20 hours every two years for multi-line claims adjusters
? 20 hours every two years for workers comp adjusters, including 10 hours of workers compensation credits and 10 hours of multi-line courses
? 15 hours every two years for public adjusters
? Due 60 days before biannual license anniversary
? Nonresident adjusters that can prove compliance with their state?s substantially similar requirements are exempt
Exemptions
New Licenses - Credits are not required during the first two years of licensure
Monitoring Requirements - None
Carryovers - Carryover of excess hours is not permitted
Repetitions - Courses can be repeated for credit in future compliance periods
Website - http://www.state.nh.us/insurance/
New Mexico (NM)
Continuing Education Requirements
Residents
? 15 hours every year, including one hour of ethics
? Due September 30 annually
Non-Residents
? Licensees of reciprocal states that meet the CE requirements of their resident states can claim exemption
? Licensees who do not claim this exemption must meet New Mexico resident requirements
New Licensees - No CE credits are required during the fist year of licensure
Age and Experience - Individuals licensed for 25 or more consecutive years that submit a notarized statement to the state of the exemption
Monitoring Requirements - None
Carryovers - Up to 15 excess hours may be carried over to the next period
Repetitions - Courses may be repeated for credit after two years
Website - http://www.state.nm.us/
Nevada (NV)
Continuing Education Requirements
? 30 hours every three years in line-specific approved courses
? Multi-lines licensees may earn credits in courses approved for any line(s) held
There are no non-resident continuing education requirements in Nevada
Professional Designations - Nevada insurance professionals who hold the CLU, CPCU, CIC, CHFC or CFP designation are exempt
Age and Experience - Individuals who have held their license for 20 consecutive years are exempt from CE requirements.
Print Exams - Monitored by your immediate supervisor, a member of a professional association of a university/college employee who must:
? Open the exam package and complete the Exam Monitor Affidavit Form.
? Remain in the room during the exam process.
? Collect the completed exam, seal the package and mail the materials.
Online Exams - Monitored by your immediate supervisor, a member of a professional association of a university/college employee who must:
? Key in the required information at the beginning of the online exam
? Remain in the room during the exam process
Carryovers - Carryover of excess hours is not permitted
Repetitions - Courses can be repeated for credit after three years
Website - http://doi.state.nv.us/
New York (NY) Continuing Education Requirements
? 15 hours during each full compliance period following the compliance period following licensure
? Courses are categorized as CR (Regular courses covering strictly insurance-related topics) and CL (Limited courses covering related subjects). At least 50% of credits must be in CR courses. (All courses by The National Underwriter Company are CR courses).
? Up to 50% of the CE requirement may be met through self-study and/or CL courses
? Annual due dates depend on the type of license held:
o Life & Health – June 30th of odd numbered years
o Property & Casualty – October 31st of even numbered years
Non-Residents
? Licensees of reciprocal states may file a Home State Certification with the New York Insurance Department indicating that licensee is in good standing and is in compliance with the requirements of that state, including any Continuing Education requirements.
Exemptions
? Individuals who sell Travel Accident and/or Baggage only and those who meet limited prelicensing requirements because they only represent certain Fraternal Organizations are exempt from Continuing Education requirements.
Print Exams – Monitored by a currently approved New York state monitor who must:
? Open the exam package and complete the Exam Monitor Affidavit Form.
? Remain in the room during the exam process.
? Collect the completed exam, seal the package and mail the materials.
Online Exams - Monitored by a currently approved New York state monitor who must:
? Key in the required information at the beginning of the online exam.
? Remain in the room during the exam process.
? Sign the Grading Registration Form.
Carryovers – Excess hours may not be carried over to the next compliance period
Repetition – Courses may be repeated for credit in subsequent compliance periods
Website - http://www.ins.state.ny.us/nyins.htm
Ohio (OH)
Continuing Education Requirements
? 20 hours every two years
? Compliance period begins January 1st after issuance of license
? Up to 50% of hours can be through self-study
? Up to 50% of hours can be from the same insurance company
? Due January 31st every two years
Non-Residents
? Licensees of reciprocal states that meet the CE requirements of their resident states can claim exemption
? Licensees who do not claim this exemption must meet Ohio resident requirements
Print Exams - Monitored by a licensed monitor who must:
? Examine two pieces of photo identification (preferably your agent license and drivers license)
? Open the exam package and complete the Exam Monitor Affidavit Form
? Remain in the room during the exam process
? Collect the completed exam, seal the package and mail the materials
Online Exams - Monitored by a licensed moniotor who must:
? Examine two pieces of photo identification (preferably your agent license and drivers license)
? Key in the required information at the beginning of the online exam
? Remain in the room during the exam process
Carryovers - Carryover of excess hours is not permitted
Website - http://www.ohioinsurance.gov/
Oklahoma (OK)
Continuing Education Requirements
? 16 hours in line-specific courses every two years, including at least 2 (but no than 4) in ethics
? Health licensees must complete 1 hour of credit every two years for Employer Health Insurance Reform Act, High Risk Pool Act, and any recent state or federal health care legislation
Non-Residents
? Licensees of reciprocal states that meet the CE requirements of their resident states can claim exemption
? Licensees who do not claim this exemption must meet Oklahoma resident requirements
Print Exams - Monitored by a disinterested third party (defined as a person with no employment or family relationship to the student - cannot be co-worker or supervisor) who must:
? Open the exam package and complete the Exam Monitor Affidavit Form.
? Remain in the room during the exam process.
? Collect the completed exam, seal the package and mail the materials.
Online Exams - Monitored by a disinterested third party (defined as a person with no employment or family relationship to the student - cannot be co-worker or supervisor) who must:
? Key in the required information at the beginning of the online exam
? Remain in the room during the exam process
Carryovers - Excess credit hours may not be carried over, but may be used to bring a lapsed license into compliance
Repetitions - Courses may be repeated for credit after three years
Website - http://www.oid.state.ok.us/
Oregon (OR)
Continuing Education Requirements
There are no non-resident continuing education requirements in Oregon.
Professional Designations - Holders of a CPCU or CLU designation must complete 12 hours of CE during the first year of licensure, 24 hours of CE biennially after the first license renewal
Age and Experience - Individuals who are retired, at least 58 years old, have been licensed for at least 10 years, authorized to transact life insurance only and will be servicing existing policies only are exempt
Print Exams - Monitored by a registered proctor, or a librarian, attorney, CPA, state or community college representative who must:
? Open the exam package and complete the Exam Monitor Affidavit Form.
? Remain in the room during the exam process.
? Collect the completed exam, seal the package and mail the materials.
Online Exams - Monitored by a registered proctor, or a librarian, attorney, CPA, state or community college representative who must:
? Key in the required information at the beginning of the online exam
? Remain in the room during the exam process
Carryovers - Carryover of excess hours is not permitted
Repetitions - Courses may be repeated for credit after three years
Website - http://www.cbs.state.or.us/ins/index.html
Pennsylvania (PA) Continuing
Education Requirements
? 24 hours every two years for those licensed before 3/2/95
? 48 hours every two years for the first two full 24-month licensing periods
? 24 hours every two years after completing the first two periods of 48 hours
? Due 60 days before license renewal
Non-Residents
? Licensees of reciprocal states that meet the CE requirements of their resident states can claim exemption
? Licensees who do not claim this exemption must meet Pennsylvania resident requirements
Age and Experience
? Agents or brokers who were licensed for a particular line of authority before January 1, 1971, and have been continuously licensed for that line of authority and have NOT added any additional lines after the original licensing are exempt
? Agents who first obtain a CQ without examination under Section 609(c) of the Fraternal Benefit Societies Code and whose appointments are limited to fraternal benefit societies are exempt
Print Exams - Monitored by a disinterested third party (defined as a person with no employment or family relationship to the student - cannot be co-worker or supervisor) who must:
? Open the exam package and complete the Exam Monitor Affidavit Form.
? Remain in the room during the exam process.
? Collect the completed exam, seal the package and mail the materials.
Online Exams - Monitored by a disinterested third party (defined as a person with no employment or family relationship to the student - cannot be co-worker or supervisor) who must:
? Key in the required information at the beginning of the online exam
? Remain in the room during the exam process
Carryovers - Up to 24 excess hours may be carried over to the next period
Repetitions - Courses may be repeated for credit after two years
Website - http://www.insurance.state.pa.us
Rhode Island
(RI) Continuing Education Requirements
? 15 hours, including 5 from line-specific courses, annually after the first year of licensure
? Due on license renewal date
Non-Residents
? Licensees of reciprocal states that meet the CE requirements of their resident states can claim exemption
? Licensees who do not claim this exemption must meet Rhode Island requirements
Age and Experience - Residents who are at least 60 years old and have held their license for 20 consecutive years are exempt
Print Exams - Monitored by your supervisor, manager or training director who must:
? Open the exam package and complete the Exam Monitor Affidavit Form.
? Remain in the room during the exam process.
? Collect the completed exam, seal the package and mail the materials.
Online Exams - Monitored by your supervisor, manager or training director who must:
? Key in the required information at the beginning of the online exam
? Remain in the room during the exam process
Carryovers - Up to 15 excess hours may be carried over to the next period
Repetitions - Courses may be repeated for credit after two years
Website - http://www.dbr.state.ri.us/
South Carolina
(SC) Continuing Education Requirements
? 24 hours biennially after the first two years of licensure, including 8 hours that are license-related
? Licensees holding both L/H and P/C lines must earn 8 hours in each line held
Non-Residents
? Licensees of reciprocal states that meet the CE requirements of their resident states can claim exemption
? Licensees who do not claim this exemption must meet South Carolina requirements
Age and Experience - Individuals who are at least 55 years old and who have held their license for 20 consecutive years are exempt
Print Exams - Monitored by a person who is approved by the Department of Insurance who must:
? Open the exam package and complete the Exam Monitor Affidavit Form.
? Remain in the room during the exam process.
? Collect the completed exam, seal the package and mail the materials.
Online Exams - Monitored by a person who is approved by the Department of Insurance who must:
? Key in the required information at the beginning of the online exam
? Remain in the room during the exam process
Carryovers - Up to 12 excess hours may be carried over to the next period
Repetitions - Courses may be repeated for credit after three years
The biennial compliance
deadline for complying with continuing education in South Carolina is May 1, of
even numbered years. Anyone not completing 24 hours or paying the biennial recordkeeping fee to the Continuing Education Administrator by May 1,
of even numbered years will have his or her license nonrenewed.
Licensed insurance agents who
have completed the 40-hour prelicensing education course work must pay the
annual Eight Dollars and Fifty Cents ($8.50) fee to the C. E. Administrator, or
they will have their license nonrenewed.
Multi-line (property and
casualty and life, accident and health) agents must complete twenty-four hours
of CE credits. A minimum of eight (8) CE hours must be completed in each line of
authority. Failure to comply will result in the license being nonrenewed.
Agents who hold an existing
line of authority (P&C or LA&H) and successfully complete the
prelicensing education course work in P&C or LA&H will be credited with
eight (8) CE hours in that specific line of authority for the biennial period.
Example: An agent with Property & Casualty authority who completes Life
Accident and Health prelicensing will automatically receive 8 CE hours for Life,
Accident and Health.
All licensed individuals with
residence or mailing address changes must provide written notice to the
Department within thirty days of such change. South Carolina Code Section
38-2-10 provides that administrative fines may be applied up to Two Thousand
Five Hundred Dollars 2,500.00) for failure to comply.
An individual who arrives
after the start of a C.E. class or leaves before the class is over will not
receive credit for the continuing education classroom session, regardless of the
number of hours completed during the class session
Licensed insurance agents can check the status of their continuing education status by calling 803-255-0001, or by checking the website: below.
Website - http://www.doi.state.sc.us/
South Dakota
(SD) Continuing Education Requirements
? 10 hours every two years in license-certified courses, unless the license was obtained less than 6 months
? 20 hours every two years for individuals with both LH/PC licenses, split approximately between the two license line categories
? Due April 1 of even-numbered years
There are no non-resident continuing education requirements in South Dakota
New Licensees - Individuals that are licensed within six months of the next compliance date
Age and Experience - Individuals age 65 or older who have held their license for 10 consecutive years
Monitoring Requirements - None
Carryovers - Carryover of excess hours is not permitted
Repetitions - Courses may be repeated for credit after two years
Website - http://www.state.sd.us/
Tennessee (TN)
Continuing Education Requirements
? 12 hours each year for individuals licensed after January 1, 1997
? Due January 1st every year
Non-Residents
? Licensees of reciprocal states that meet the CE requirements of their resident states can claim exemption
? Licensees who do not claim this exemption must meet Tennessee requirements
Professional Designations - Residents that hold the CPCU, CLU, CIC or CHFC designations
Age - Licensees age 65 or older
Experience - Individuals continuously licensed as an agent in Tennessee for 15 years
Licensed before January 1, 1997 - Any individual that completed licensing requirements before January 1, 1997
Armed Forces - Any licensee on active duty with the armed forces, for the duration of that duty
Monitoring Requirements - None
Carryovers - Carryover of up to 12 excess hours is permitted
Repetitions - Courses may be repeated for credit after three years
Website - http://www.state.tn.us/commerce
Texas (TX) Continuing
Education Requirements
? 30 hours in license-related courses every two-year reporting period
? Multi-license holders can earn credits in courses approved for either license type
? New agents must complete a 4 hour Insurance Regulation and Ethics course as part of the 30 hour requirement (2 hours for all licenses renewed after 1/1/2003)
? Up to 50% of hours can be earned in self-study courses
? All licensees must take an approved course in Texas Regulations and Ethics as a one-time requirement
? Due on the biannual license issuance anniversary date
Non-Residents
? Licensees of reciprocal states that meet the CE requirements of their resident states can claim exemption
? Licensees who do not claim this exemption must meet Texas requirements
Age and Experience - Individuals who have held their license for 20 consecutive years or more on or after Sept. 1, 1992 are exempt from CE requirements. This applies ONLY to Group 1 and X NOT Group 17.
Print Exams - Monitored by a disinterested third party (defined as a person with no employment or family relationship to the student - cannot be co-worker or supervisor) who must:
? Open the exam package and complete the Exam Monitor Affidavit Form.
? Remain in the room during the exam process.
? Collect the completed exam, seal the package and mail the materials.
Online Exams - Monitored by a disinterested third party (defined as a person with no employment or family relationship to the student - cannot be co-worker or supervisor) who must:
? Key in the required information at the beginning of the online exam
? Remain in the room during the exam process
Carryovers - Carryover of excess hours is not permitted
Repetitions - Courses may be repeated for credit after two years
Website- http://www.tdi.state.tx.us/company/rswscode.html
Utah (UT)
Continuing Education Requirements
? 12 -24 hours every two years after the first two years of licensure, including at least 5 hours in each licensed line
? 3 hours of Ethics courses are required every two years after the first two years of licensure
? Up to 50% of hours may be fulfilled through self-study courses
? Due on annual license renewal date
Non-Residents
? Licensees of reciprocal states that meet the CE requirements of their resident states can file a letter of certification
? Licensees who do not claim this exemption must meet Utah requirements
Age and Experience - Individuals who completed 20 years of continuous licensure in good standing as of 4/1/90 may request exemption
Monitoring Requirements - None
Carryovers - Carryover of excess hours is not permitted.
Website - http://www.insurance.state.ut.us
Virginia (VA)
Continuing Education Requirements
? 16 hours after the first two years of licensure, including at least 8 hours of courses approved for line licensed
? 24 hours for individuals licensed in more than one line, with at least 8 hours in courses approved for each line licensed
? 2 hours must be in insurance law, regulations and ethics applicable in Virginia
? Due December 31st in even-numbered years
Non-Residents
? Licensees of reciprocal states that meet the CE requirements of their resident states can file a letter of certification
? Licensees who do not claim this exemption must meet Virginia requirements
Exemptions
Age and Experience - Individuals age 65 years or older who have held their license for 20 consecutive years
Print Exams - Monitored by your supervisor, supervisor-authorized co-woekrs or a Virginia-approved test administration service who must:
? Open the exam package and complete the Exam Monitor Affidavit Form.
? Remain in the room during the exam process.
? Collect the completed exam, seal the package and mail the materials.
Online Exams - Monitored by your supervisor, supervisor-authorized co-woekrs or a Virginia-approved test administration service who must:
? Key in the required information at the beginning of the online exam
? Remain in the room during the exam process
Carryovers - Excess hours may be carried forward for one biennium
Repetitions - Courses may be repeated for credit in the next biennium unless you have carried credits for the same course forward
Website - http://www.state.va.us/scc/division/boi/index.htm
Vermont (VT)
Continuing Education Requirements
? 24 hours every 2 years beginning with and by October 1, 2002 renewals
? A maximum of six hours can be in agency management
? Due on September 30th of even-numbered years
? Non-residents that meet their home state or district?s continuing education requirement and submits documentation of continuing education is exempt from Vermont requirements
New Licensees - Individuals licensed after the beginning date of the current review period (October 1st of even-numbered years) are exempt
Print Exams - Monitored by a disinterested third party (defined as a person with no employment or family relationship to the student - cannot be co-worker or supervisor) who must:
? Open the exam package and complete the Exam Monitor Affidavit Form.
? Remain in the room during the exam process.
? Collect the completed exam, seal the package and mail the materials.
Online Exams - Monitored by a disinterested third party (defined as a person with no employment or family relationship to the student - cannot be co-worker or supervisor) who must:
? Key in the required information at the beginning of the online exam
? Remain in the room during the exam process
Carryovers - Carryover of excess hours is not permitted
Repetitions - Courses may be repeated for credit during future review periods
Website - http://www.bishca.state.vt.us/
Washington (WA)
Continuing Education Requirements
? 32 hours every two years
? Licensees selling Long-Term Care must complete a 6-hour Washington-approved LTC course every two years (counts toward the overall requirement)
? Due on every other birthday
? There are no non-resident continuing education requirements in Washington
Age and Experience - Individuals age 65 years or older that arre retired from active selling of insurance products and no longer represent any insurer or insurance agency are exempt
Carryovers - Carryover of excess hours is not permitted.
Repetitions - Courses can be repeated for credit after three years
Website - http://www.insurance.wa.gov/
Wisconsin (WI)
Continuing Education Requirements
? 24 hours every two years
? Effective 01/01/02, only individuals that are pursuing an approved designation program CPA, CFP, PACE, ChFC or CLU) can receive credit for completing correspondence courses as part of the designation program
? Due February 15 of odd-numbered years
Non-Residents
? Licensees of reciprocal states that meet the CE requirements of their resident states can file a letter of certification
? Licensees who do not claim this exemption must meet Virginia requirements
Carryovers - Carryover of excess hours is not permitted.
Repetitions - Courses can be repeated for credit after two years
Website - http://oci.wi.gov/
West Virginia
(WV) Continuing Education Requirements
? 24 hours every three years
? Due June 30th every three years
? There are no non-resident continuing education requirements in West Virginia
Print Exams - Monitored by a disinterested third party (defined as a person with no employment or family relationship to the student - cannot be co-worker or supervisor) who must:
? Open the exam package and complete the Exam Monitor Affidavit Form.
? Remain in the room during the exam process.
? Collect the completed exam, seal the package and mail the materials.
Online Exams - Monitored by a disinterested third party (defined as a person with no employment or family relationship to the student - cannot be co-worker or supervisor) who must:
? Key in the required information at the beginning of the online exam
? Remain in the room during the exam process
Carryovers - Carryover of excess hours is not permitted
Repetitions - Courses may be repeated for credit after three years
Website - http://www.state.wv.us
Wyoming (WY)
Continuing Education Requirements
Residents
? 10 hours it annually
? 5 hours annually for individuals licensed between July 1st and December 31st
? Due by December 31st
Non-Residents
? Licensees of reciprocal states that meet the CE requirements of their resident states can file a letter of certification
? Licensees who do not claim this exemption must meet Wyoming requirements
Print Exams - Monitored by a disinterested third party (defined as a person with no employment or family relationship to the student - cannot be co-worker or supervisor) who must:
? Open the exam package and complete the Exam Monitor Affidavit Form.
? Remain in the room during the exam process.
? Collect the completed exam, seal the package and mail the materials.
Online Exams - Monitored by a disinterested third party (defined as a person with no employment or family relationship to the student - cannot be co-worker or supervisor) who must:
? Key in the required information at the beginning of the online exam
? Remain in the room during the exam process
Carryovers - Up to five excess hours may be carried forward to the next compliance period
Repetitions - Courses may be repeated for credit after three years
Website - http://insurance.state.wy.us/