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State-by-State Insurance CE Requirements

Alabama


All license holders must complete 24 CE hours every two years. Three of the 24 hours must include ethics training.

Alaska


All license holders must complete 24 CE hours every two years. Three of the 24 hours must include ethics training.

Arizona


Licensed Arizona residents must complete 40 hours of CE during the license term if the resident also produced insurance as a non-resident in another state. If you’re an Arizona resident and you do not produce insurance in another state, CE is not necessary. Non-resident licensed insurance professionals who are in good standing do not need to complete CE training. Exceptions include:


Property and Casualty Producer:
All license holders must complete 40 CE hours every four years.

Life and Health Producer:
All license holders must complete 40 CE hours every four years.

Arkansas


All license holders must complete 24 CE hours every two years. Three of the 24 hours must include ethics training.

California


Fire and Casualty Broker-Agent All license holders must complete 24 CE hours every two years. Four of the 24 hours must include ethics training.


Life Only Agents and/or Accident and Health Agents
All license holders must complete 24 CE hours every two years. Four of the 24 hours must include ethics training. Exceptions apply for Long Term Care insurance professionals.


Dual Licenses
CE requirements vary depending on licensure.


Personal Lines Broker-Agent
All license holders must complete 24 CE hours every two years, beginning on the date the license was issued. Two of the 24 hours must include ethics training.


Limited Lines Automobile Insurance Agent
All license holders must complete 20 CE hours every two years, beginning on the date the license was issued. Two of the 24 hours must include ethics training.

Colorado


All license holders must complete 24 CE hours every two years. Three of the 24 hours must include ethics training, 18 hours in major lines and 3 hours in miscellaneous. Courses cannot be repeated in a 2-year period.

Connecticut


All license holders must complete 24 CE hours every two years. Three of the 24 hours must include ethics training.
6 hours must be in major lines and 15 lines may be miscellaneous. Dual licensees must take 24 hours for each type of license.

Delaware


All license holders must complete 24 CE hours every two years. Three of the 24 hours must include ethics training. All public adjusters must take 12 CE hours every two years, including 3 hours of ethics training.

Florida


During the first 6 years of licensure, all license holders must complete 24 CE hours every two years. After 6 years of licensure, license holders must complete 20 CE hours every two years.

Georgia


All license holders must complete 15 CE hours every year in major lines. Three of the 24 hours must include ethics training. Professionals licensed for more than 20 years must take 10 hours of CE annually in major lines, and 3 hours must consist of ethics training.

Hawaii


All license holders must complete 24 CE hours every two years. Three of the 24 hours must include ethics training.

Idaho


All license holders must complete 24 CE hours every two years. Three of the 24 hours must include ethics training.

Illinois


All license holders must complete 24 CE hours every two years. Three of the 24 hours must include ethics training.

Indiana


All license holders must complete 36 CE hours every two years. Three of the 24 hours must include ethics training.

Iowa


All license holders must complete 36 CE hours every two years. Three of the 24 hours must include ethics training, and 12 hours may be self-study.

Kansas


Single license holders must complete 12 CE hours every two years. One of the 24 hours must include ethics training. Combined license holders must complete 24 CE hours every two years. Two of the 24 hours must include ethics training.

Kentucky


All license holders must complete 24 CE hours every two years. Six of the 24 hours must include major lines training. Adjusters may take all courses in P&C. Three of the CE hours must be ethics training.


Life Settlement
All life settlement license holders must complete 24 CE hours every two years. Nine of the 24 hours must include ethics training, life settlement and life insurance (3 hours each).

Louisiana


All license holders must complete 24 CE hours every two years. Three of the 24 hours must include ethics training and an additional 3 hours must consist of flood education.

Maine


All license holders must complete 24 CE hours for every renewal period. Three of the 24 hours must include ethics training.

Maryland


All license holders must complete 24 CE hours for every renewal period. Three of the 24 hours must include ethics training.

Massachusetts


All license holders must complete 60 CE hours during the first three years, and 45 hours of CE every three years afterward. Public adjusters must complete 15 P&C hours every three years.

Michigan


All license holders must complete 24 CE hours for every renewal period. Three of the 24 hours must include ethics training.

Minnesota


All license holders must complete 24 CE hours for every renewal period. Three of the 24 hours must include ethics training.

Mississippi


All license holders must complete 12 CE hours in the first six months following the first year of licensure. The next six months must include 24 hours of CE training, including 3 hours of ethics.

Missouri


All license holders must complete 16 CE hours every two years. Three of the 24 hours must include ethics training.

Montana


All license holders must complete 24 CE hours every two years. Three of the 24 hours must include ethics training, and 1 hour must include Montana law.

Nebraska


All license holders must complete 24 CE hours every two years. Three of the 24 hours must include ethics training.

Nevada


All license holders must complete 30 CE hours for every 2-year license term. Three of the 24 hours must include ethics training. Adjusters must complete 15 CE hours per 2-year license term, including 2 hours of ethics training.

New Hampshire


Life, Accident & Health, Property, Casualty or Personal lines Licenses All license holders must complete 24 CE hours every two years. Three of the 24 hours, but not more than 10 hours, must include ethics training.

New Jersey


All license holders must complete 24 CE hours for every 2-year renewal period, regardless of years licensed. Three of the 24 hours must include ethics training.

New Mexico


All license holders except title insurance licensees must complete 15 CE hours of major lines education every 12 months. Title insurers must complete 7 credit hours of title insurance education annually.

New York


All license holders must complete 15 CE hours every 2-year renewal term.

North Carolina


All license holders must complete 24 CE hours every two years. Three of the 24 hours must include ethics training.

North Dakota


Most license holders must complete 24 CE hours every two years. Three of the 24 hours must include ethics training.

Ohio


All license holders must complete 24 CE hours every two years before license renewal. Three of the 24 hours must include ethics training.

Oklahoma


All license holders must complete 24 CE hours every two years. Three of the 24 hours must include ethics training and 2 hours must be legislative updates.

Oregon


All license holders must complete 24 CE hours for every two years. 3 of the 24 hours must include ethics training, and 3 of the hours must cover Oregon law.

Pennsylvania


All license holders must complete 24 CE hours for every 2-year renewal period.

Rhode Island


All license holders must complete 24 CE hours every two years. Three of the 24 hours must include ethics training.

South Carolina


All license holders must complete 24 CE hours every two years.

South Dakota


Most single license holders must complete 10 CE hours every 2-year renewal period. Dual license holders must take 20 hours every 2-year renewal period. Crop agents must take 4 CE hours every renewal period.

Tennessee


All license holders must complete 24 CE hours every two years. Three of the 24 hours must include ethics training.


Combination Multi Peril and Life and Health or Property and Casualty License
All license holders must complete 48 CE hours every two years. Four of the 24 hours must include ethics training.

Texas


All license holders must complete 30 CE hours every two years. Two of the 24 hours must include ethics training or consumer protection training. Adjusters must complete 10 hours of CE, including 2 hours of ethics training, every 2-year renewal term.

Utah


All license holders must complete 24 CE hours every renewal term. Three of the 24 hours must include ethics training, and half of the hours must be spent in the classroom or an approved online classroom equivalent.

Vermont


All license holders must complete 24 CE hours every 2-year renewal term, ending on March 31st of odd years. Three of the 24 hours must include ethics training. P&C producers must complete a one-time flood insurance course for 3 hours. Long term care producers must complete additional CE training.

Virginia


Single license holders must complete 16 CE hours every two years. Two of the 24 hours must include laws and regulations training. Multiple license holders must complete 24 CE hours every two years, including two CE hours in laws and regulations training.

Washington


All license holders must complete 24 CE hours every 2-year renewal term (even years). Three of the 24 hours must include ethics training.

West Virginia


Most license holders must complete 24 CE hours every two years. Three of the 24 hours must include ethics training. For limited lines, completion of 6 CE hours for every 2-year term is required. Half of the 6 hours must include ethics training.

Wisconsin


All license holders must complete 24 CE hours every two years (even years). Three of the 24 hours must include ethics training.

Wyoming


All license holders must complete 24 CE hours every two years. Three of the 24 hours must include ethics training. No more than 12 of the hours may be company sponsored. Out-of-state certifications do not satisfy the CE requirement.

State by State Requirements

 

Each state has different insurance continuing education requirements, make sure to check on your specific state requirements! Being aware of the requirements can help you expand your knowledge as an insurance professional.

 

Providing quality service to insurance customers rests on the ability of the agent and adjuster. They need to be able to provide the right products and knowledgeable service while abiding by the laws and regulations defined by the home state. This includes understanding the products and the needs of the customer, as well as keeping up with the state’s current laws and regulations. Continuing education helps insurance agents and adjusters continually update their industry knowledge — it also assures their livelihood, as license terms typically last only two years and require renewal upon expiration.

 

Continuing education is an easy way for insurance professionals to maintain their professional standing while improving their ability to provide expert service at the same time. Every state has its own license renewal and continuing education requirements. Although some states give professionals with more experience greater leeway after an extended period of time in the insurance industry, other states require a certain number of continuing education hours prior to the renewal of the license. The most typical requirement is 24 hours of continuing education, with three of the 24 hours pertaining to ethics.

 

The good news is that keeping your continuing education requirements current has never been easier. The vast majority of states permit online study and testing, making it easy for busy professionals to successfully meet their state’s requirements. In most cases, as long as you have an Internet connection, you can keep your licensure in good standing for years to come. However, classroom learning is sometimes a state requirement and successfully completing an in-person seminar is necessary for renewal.

 

Every state has an insurance department that provides clear guidelines for insurance industry continuing education. Make sure to review your state requirements, and check with your applicable state before assuming that you have completed them. In addition, because many agents sell products across state lines, be sure to check if the areas you’re planning to sell insurance will cover out of state continuing education requirements.

 

Not every state will let a professional carry over extra hours into a new term, and not every state will accept another state’s CE hours in the event you change residency. Checking for these regulations in advance is wise.

 

Take a look at the state insurance continuing education requirements in your state, and make sure you remain up to date in your area of expertise.

 

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