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Frequently Asked Questions

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We are an independent agency licensed to write life insurance in the states listed below. If your state is here, we can help you — by phone, video, or in person if you are near Sebastian. Do not see your state? Give us a call and we will let you know where things stand.

Licensing is current as of this page’s last update; if you have a question about a specific state, please contact us.

Sebastian River Insurance ("we," "us," or "our") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, request a quote, or otherwise interact with our agency.

We may collect the following types of information:

• Contact information such as your name, phone number, email address, and mailing address.
• Quote and application information such as your age, health information, beneficiary details, and other information relevant to the insurance products you inquire about.
• Communications you send us, including messages submitted through our contact and quote request forms.
• Technical information such as your IP address, browser type, and pages visited, collected automatically when you use our website.

We use the information we collect to:

• Provide insurance quotes and process applications you request
• Communicate with you about your inquiry, policy, or account
• Connect you with licensed insurance agents and, where applicable, third-party insurance carriers
• Improve our website and services
• Comply with legal and regulatory obligations

As an independent insurance agency, we may share your information with:

• Insurance carriers for the purpose of obtaining quotes or processing applications on your behalf.
• Service providers who help us operate our business, such as hosting providers and software platforms, under obligations to protect your information.
• Legal authorities when required by law, regulation, or legal process.

We do not sell your personal information to third parties.

We use reasonable administrative, technical, and physical safeguards to protect your personal information. Account credentials for our agent portal are encrypted and never stored in plain text. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

You may contact us at any time to ask what information we have on file, request corrections, or ask that we delete your information, subject to any legal or contractual obligations we may have to retain certain records (such as those required by insurance regulations).

Our website may use cookies or similar technologies to improve your browsing experience and understand how visitors use our site. You can control cookies through your browser settings.

Agents who connect a Facebook Page or Instagram business account to our CRM give us permission to: publish posts they create, read and reply to comments on their posts, and read and reply to direct messages sent to their Page or Instagram account. We store the connected Page and Instagram account names, an access key that Facebook provides, posts scheduled through the CRM, and the messages and comments received, so agents can respond to them. We do not sell this information or use it for advertising.

To disconnect and delete this data, remove "Sebastian River Insurance CRM" under Facebook Settings → Business Integrations, or email taylorparr@sebastianriverinsurance.com with the subject "Delete my Facebook data." We will delete the stored access key, messages and comments within 30 days and confirm by email.

Our CRM uses YouTube API Services. Agents who connect their own YouTube channel give us permission to upload the videos they choose to that channel and to see basic channel information (channel name and picture). We store the connected channel's name, picture and ID, the access key Google provides, and the videos and video settings (title, description, privacy, and "made for kids" answer) that agents schedule through the CRM. We use this information only to upload the agent's own videos and to show which channel is connected. We do not sell it, share it with other agents or third parties, or use it for advertising. Google's use of this data is covered by the Google Privacy Policy.

Agents can disconnect YouTube at any time with "Disconnect YouTube" on the CRM Marketing page, which immediately deletes the stored access key and channel details. Access can also be removed from your Google Account security settings. To have any remaining YouTube data deleted, email taylorparr@sebastianriverinsurance.com with the subject "Delete my YouTube data," and we will delete it within 30 days and confirm by email. Videos already uploaded stay on your channel until you remove them in YouTube Studio.

Our CRM uses LinkedIn's APIs. Agents who connect their own LinkedIn account give us permission to publish the posts they choose to their own LinkedIn profile, or to a LinkedIn company Page they manage, and to see basic profile information (name and photo) and the list of company Pages they can post to. We store the connected member's name, photo and LinkedIn ID, the names and IDs of those Pages, the access key LinkedIn provides, and the posts and settings agents schedule through the CRM. We use this information only to publish the agent's own posts and to show which account is connected. We do not sell it, share it with other agents or third parties, or use it for advertising. LinkedIn's use of this data is covered by the LinkedIn Privacy Policy.

Agents can disconnect LinkedIn at any time with "Disconnect LinkedIn" on the CRM Marketing page, which immediately deletes the stored access key and profile and Page details. Access can also be removed in your LinkedIn permitted services settings. To have any remaining LinkedIn data deleted, email taylorparr@sebastianriverinsurance.com with the subject "Delete my LinkedIn data," and we will delete it within 30 days and confirm by email. Posts already published to LinkedIn stay on LinkedIn until you delete them there.

Our CRM uses TikTok's Login Kit and Content Posting API. Agents who connect their own TikTok account give us permission to see basic profile information (display name, profile photo and TikTok ID) and to post the videos they choose to their own TikTok account, either directly or as a draft they finish in the TikTok app. We store the connected account's display name, photo and ID, the access key TikTok provides, and the videos, captions and post settings agents choose in the CRM. We use this information only to post the agent's own videos and to show which account is connected. We do not sell it, share it with other agents or third parties, or use it for advertising. TikTok's use of this data is covered by the TikTok Privacy Policy.

Agents can remove the CRM's access at any time in the TikTok app under Settings and privacy, Security, Apps and services permissions, which stops any further posting. To have the stored access key, account details and any other TikTok data deleted, email taylorparr@sebastianriverinsurance.com with the subject "Delete my TikTok data," and we will delete it within 30 days and confirm by email. Videos already posted to TikTok stay on TikTok until you delete them there.

Our CRM uses the Pinterest API. Agents who connect their own Pinterest account give us permission to see their username, profile photo and boards, to create boards, and to create the Pins they choose on their own account. We store the connected account's username and photo, the access key Pinterest provides, and the photos, Pin titles, descriptions, links and boards agents choose in the CRM. We use this information only to post the agent's own Pins and to show which account is connected. We do not sell it, share it with other agents or third parties, or use it for advertising. Pinterest's use of this data is covered by the Pinterest Privacy Policy.

Agents can disconnect Pinterest at any time with "Disconnect Pinterest" on the CRM Marketing page, which immediately deletes the stored access key and account details. Access can also be removed in your Pinterest settings under Security and logins, Apps. To have any remaining Pinterest data deleted, email taylorparr@sebastianriverinsurance.com with the subject "Delete my Pinterest data," and we will delete it within 30 days and confirm by email. Pins already posted stay on Pinterest until you delete them there.

Our services are not directed to individuals under the age of 18, and we do not knowingly collect personal information from children.

We may update this Privacy Policy from time to time. The "Last updated" date at the top of this page reflects the most recent revision.

If you have questions about this Privacy Policy or how we handle your information, please contact us at 772-425-4293 or through our contact page.

These Terms of Service ("Terms") govern your access to and use of the Sebastian River Insurance website, including any content, features, quote requests, and the agent portal (collectively, the "Site"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.

Sebastian River Insurance ("we," "us," or "our") is an independent insurance agency licensed in Florida and other states, offering access to life insurance and related products through licensed agents and third-party carriers.

Information provided on this Site, including product descriptions, quotes, and calculators, is for general informational purposes only. It does not constitute an offer of insurance, a binder, or a guarantee of coverage. Actual coverage, rates, and terms are determined solely by the underwriting carrier and are set forth in the official policy documents issued to you.

When using this Site, you agree that you will:

• Provide accurate, current, and complete information when requesting a quote or contacting us
• Use the Site only for lawful purposes and in accordance with these Terms
• Not attempt to gain unauthorized access to the agent portal or any other restricted area of the Site
• Not interfere with or disrupt the operation of the Site or its servers

Access to the agent portal is restricted to authorized agents and staff. Credentials are personal to the individual to whom they are issued and may not be shared. You are responsible for maintaining the confidentiality of your login information and for all activity that occurs under your account.

All text, graphics, logos, and other content on this Site are the property of Sebastian River Insurance or its licensors and are protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from this content without our prior written consent.

The Site may reference or link to insurance carriers and other third parties. We do not control and are not responsible for the content, policies, or practices of any third party. Any insurance product ultimately issued to you is governed by the terms of that carrier's policy.

The Site is provided on an "as is" and "as available" basis, without warranties of any kind, whether express or implied. We do not warrant that the Site will be uninterrupted, error-free, or secure.

To the fullest extent permitted by law, Sebastian River Insurance shall not be liable for any indirect, incidental, special, or consequential damages arising out of or related to your use of, or inability to use, the Site.

If you connect a YouTube channel to the agent portal's CRM, you agree to be bound by the YouTube Terms of Service. Videos you upload through the CRM must follow YouTube's Terms of Service and Community Guidelines.

If you connect a LinkedIn account or company Page to the agent portal's CRM, you agree to be bound by the LinkedIn User Agreement. Posts you publish through the CRM must follow LinkedIn's User Agreement and Professional Community Policies.

If you connect a TikTok account to the agent portal's CRM, you agree to be bound by the TikTok Terms of Service. Videos you post through the CRM must follow TikTok's Terms of Service and Community Guidelines.

If you connect a Pinterest account to the agent portal's CRM, you agree to be bound by the Pinterest Terms of Service. Pins you create through the CRM must follow Pinterest's Terms of Service and Community Guidelines.

We may update these Terms from time to time. The "Last updated" date at the top of this page reflects the most recent revision. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

These Terms are governed by the laws of the State of Florida, without regard to its conflict of law principles.

If you have questions about these Terms, please contact us at 772-425-4293 or through our contact page.

Insurance CE Courses — State-Approved, Finish Today

Renewal coming up? Complete your insurance continuing education online at your own pace. No forced seat time, no classroom, no waiting. Pick your state, take the courses, and get your credits.

CE requirements by state

Hours, ethics rules and deadlines, written out state by state. More states are being added.

How it works

1. Choose your state and see the CE approved there.
2. Buy the 24-hour package, or just the individual hours you still need.
3. Work through the courses online, on your schedule.
4. Your completion is reported to the state, and you renew.

Kansas Insurance CE Requirements

Kansas cut its requirement to 18 hours in 2022 and dropped the line-of-authority restrictions. The penalty for missing the date is unusually harsh.

The requirement

What trips Kansas agents up

• Missing the deadline revokes the license. Kansas is blunt about it: if your required hours aren't posted before expiration, the license is revoked — not lapsed, not suspended.
• Providers get up to 30 days to report. That's a long reporting window. Finishing in your final month is genuinely risky here.
• No carryover at all. Extra hours are lost at the end of the term, and no course counts twice inside the same term.
• Don't buy 24 hours. Kansas needs 18. Agents renewing for the first time since the change often buy the old amount, or a neighboring state's package.
• There's a per-hour filing fee. Kansas charges a filing fee per credit hour that providers collect at checkout.

Product training on top

• Annuities: A 4-hour Annuity Best Interest course before you sell, solicit or negotiate annuities. Agents who took an older annuity course had a 1-hour update option.
• Long-term care: An 8-hour initial LTC course, then ongoing LTC training each renewal period. Many carriers ask for a 4-hour refresher even where the state asks less.

Exemptions

Pre-need only producers have no CE requirement but must file a biennial affirmation. Non-resident producers comply through their home state.

Checking where you stand

Check your CE transcript with the Kansas Insurance Department rather than counting certificates, and remember renewal only opens within 90 days of expiration.

Arkansas Insurance CE Requirements

Arkansas ties your hours to your lines, allows a full 24 hours of carryover, and expects everything posted before you file.

The requirement

What trips Arkansas agents up

• Hours must be posted, not just finished. Arkansas wants your hours on record before the expiration date and before you file the renewal. Providers can take up to 10 days to report.
• Hold both a producer and adjuster license? Double it. Arkansas requires 24 hours for each license, and the same course can't count for both.
• Your first renewal waits a year. Producers licensed less than a year at renewal are exempt for that cycle, as are producers in their first full year after moving to Arkansas.
• The repeat rule is 24 months. Completion dates for the same course must be at least two years apart.
• Carryover doesn't rescue ethics. Bank all 24 spare hours if you like — you still take 3 fresh ethics hours next period.

Product training on top

• Annuities: A one-time 4-hour annuity training course approved by the Department before you sell annuity products.
• Long-term care: An 8-hour initial LTC course, then 4 hours every 24 months. Those 4 hours count toward your 24.
• Title agents: Title producers follow a separate rule entirely — 6 hours including ethics, annually rather than biennially.

Exemptions

Producers licensed in Arkansas less than a year at renewal, producers in their first full year after changing residency to Arkansas, and third-party administrators who don't solicit business. Non-residents in good standing at home are exempt.

Checking where you stand

Pull your transcript from the Arkansas Insurance Department before filing. The renewal itself goes through NIPR once your hours are posted.

Kentucky Insurance CE Requirements

Kentucky is a standard 24-hour state with one extra condition and a forgiving reinstatement rule if you fall behind.

The requirement

What trips Kentucky agents up

• The six-hour line rule is easy to miss. Kentucky lets you take most courses in any line, but six hours have to match a line you actually hold. A package of general courses can leave you short.
• Carryover is 12 hours, as general credit. Extra ethics hours roll forward only as general hours, so you take three fresh ethics hours each period.
• Falling behind isn't fatal. If a license terminates for missing CE, Kentucky gives you up to a year from termination to finish the delinquent hours and reinstate without retaking the exam.
• Late still costs money. Reporting delays near your deadline can trigger a late fee, so finish about 30 days out.
• No repeats inside 24 months. Completion dates for the same course must be at least two years apart.

Product training on top

• Annuities: A one-time 4-hour annuity suitability and best interest course before you sell annuity products.
• Long-term care: An initial 8-hour Kentucky LTC training course, then 4 hours each license term.
• Flood: Producers writing federal flood policies complete the NFIP training requirement.

Exemptions

Non-resident producers who meet their home state's requirements are generally treated as compliant. Kentucky publishes its approved provider and course lists, and only courses from approved Kentucky providers count.

Checking where you stand

Kentucky course providers report your completions to the Department. Look your record up through the state's online licensee system with your NPN before renewing.

Louisiana Insurance CE Requirements

Louisiana ties your hours to your lines, adds flood hours for property producers, and has a lifetime exemption at 65 that most agents never claim.

The requirement

What trips Louisiana agents up

• You can't even start the renewal until CE is posted. Louisiana blocks the online renewal until your hours are on record, so a late-reporting course delays everything.
• There's a lifetime exemption at 65. Producers who are at least 65 and meet the conditions can file a one-time form and be exempt from CE for life. Many eligible agents never file it.
• Carryover is 10 hours, producers only. Adjusters get none, and the same course can't be repeated inside 24 months.
• Flood hours are part of the 24, not extra. But they only satisfy the flood requirement if the course is approved for flood credit.
• A legislative update requirement is coming. Louisiana has a 2-hour legislative update requirement scheduled to take effect with later renewals. Check whether your cycle is affected before buying a package.

Product training on top

• Annuities: A state-approved 4-hour Annuity Best Interest course before you sell, solicit or negotiate annuities.
• Long-term care: An initial 8-hour LTC course, then 4 hours each renewal period. Louisiana treats this as separate from your CE requirement.
• Bail bonds: Producers licensed for bail must include 6 hours of bail enforcement in their 12-hour requirement.

Exemptions

Non-resident producers comply through their home state, and must submit a letter of certification with the renewal. Limited-lines producers where no exam is required, and industrial fire only licensees, are exempt.

Checking where you stand

Your hours must be on record with the Department before renewal opens to you. Providers have a reporting window, so finishing early matters more here than in most states.

West Virginia Insurance CE Requirements

West Virginia keeps the standard 24 hours but offers a sharply reduced requirement for telemarketing and pre-need producers.

The requirement

What trips West Virginia agents up

• The reduced requirement needs an affidavit. Telemarketing-only and pre-need-only producers must file an affidavit to claim the 6-hour requirement — it isn't applied automatically.
• Self-study completion is dated by the affidavit. For self-study courses, West Virginia treats your completion date as the day the provider receives the signed disinterested third-party affidavit, not the day you finished the exam. That can push you past a deadline.
• A designation can earn a full cycle. Passing the national exam for a professional designation can earn 24 CE credits in one go.
• Carryover is capped at six. Overshoot beyond that and the hours are lost.
• No repeats in a term. A course counts once per two-year license term.

Product training on top

• Annuities: A one-time 4-hour annuity training course before selling. Producers who took the older suitability course had to add best interest training.
• Long-term care: Ongoing LTC training every biennium, and those credits count toward your 24.
• Flood: The federal 3-hour NFIP baseline applies to producers selling flood.

Exemptions

Non-resident producers who satisfy their home state are compliant. Limited lines and certain narrow categories are exempt outright, and the telemarketing reduction is available by affidavit.

Checking where you stand

Completions are reported to Sircon, and you can pull your transcript there. Renewal notices go out about 60 days before expiration.

South Dakota Insurance CE Requirements

South Dakota asks for the fewest hours in the country, and has no separate ethics requirement.

The requirement

What trips South Dakota agents up

• Don't buy a 24-hour package. This is the lowest requirement in the country. An agent moving from almost any neighbouring state will overbuy by more than half.
• There's no separate ethics requirement. Unlike nearly every other state, South Dakota doesn't carve out mandatory ethics hours for producers.
• Credits are tied to your lines. General credits apply to life/health or property/casualty, but not to crop and hail.
• New lines are forgiven until renewal. Add a qualification mid-period and the CE for it is waived until your first renewal.
• Missing it terminates appointments. If the CE and renewal payment aren't done by the due date, the license lapses and all appointments are terminated.

Product training on top

• Annuities: A one-time 4-hour Annuity Best Interest course before selling. Substantially similar training from another state satisfies it.
• Long-term care: An 8-hour initial LTC certification, then 4 hours of ongoing training — the timing rule changed in 2025 to fall within your renewal period.
• Flood: A one-time 3-hour NFIP course for property and personal lines producers writing flood.

Exemptions

Exemptions are broader than most: producers over 65 with at least 10 years licensed as of July 1, 2006, resident attorneys, several limited lines, and producers outside the United States. You must notify the Division in writing to claim one. Newly licensed producers get at least 24 months before the full requirement applies.

Checking where you stand

Renewals run through Sircon and lapse if the fee isn't paid by the due date. Keep your completion certificates for at least two years.

Wyoming Insurance CE Requirements

Wyoming grants no extensions for any reason, requires a proctor for exams, and won't let you repeat a course for four years.

The requirement

What trips Wyoming agents up

• There are no extensions. At all. The Department states it does not approve extensions for any reason. Miss your date and the license expires and enters reinstatement.
• You can't repeat a course for 48 months. Four years, not two — the longest repeat restriction of any state. Check your transcript before enrolling.
• Carryover has a 120-day window. Only credits earned in the last four months before expiration can roll forward, capped at 12 and counted as general credit.
• Company courses are capped at half. No more than 50% of your requirement may come from insurance company sponsored courses.
• Accessing an exam without a proctor disqualifies it. If you open the exam with no monitor present, the credit is lost for that course.

Product training on top

• Annuities: Producers licensed on or after July 5, 2023 complete a one-time 4-hour Annuity Best Interest course. Those certified earlier had to complete an update.
• Long-term care: An 8-hour initial LTC course — a health line of authority is required — then 4 hours every 24 months.
• Flood: A one-time 3-hour NFIP course for property and casualty producers selling flood.

Exemptions

Non-resident producers owe nothing extra in Wyoming. Limited lines producers, credit life and credit disability licensees, and those licensed only for funeral service contracts are exempt.

Checking where you stand

Since January 2023 the Department charges no CE fee itself, though providers still charge for courses. Renewal opens up to 90 days before expiration, and a reminder goes out 90 days ahead.

Alaska Insurance CE Requirements

Alaska exempts your first renewal if it comes early, caps management courses, and rewards renewing ahead of time.

The requirement

What trips Alaska agents up

• Management and sales courses are capped at 8. Business organization, management, marketing and sales training can't exceed 8 of your 24 hours, and those hours never carry forward.
• Renewing early can extend your term. Complete CE early and renew about three months ahead and Alaska can issue the licence for 27 months, keeping your renewal anchored to your birth month.
• The notice comes 90 days out. Alaska sends a reminder three months before CE is due. That's your window, not a suggestion.
• A lapse costs fees and time. There's a one-year reinstatement window with late fees, and all CE must be finished before you can renew.
• No repeats in a term. A course counts once per two-year license term.

Product training on top

• Annuities: Producers licensed on or after January 15, 2023 complete a one-time 4-hour Annuity Best Interest course before selling.
• Long-term care: An 8-hour initial LTC course, then 4 hours every two years — and those ongoing hours count toward your 24.
• Flood: A one-time 3-hour NFIP course for producers writing federal flood policies.

Exemptions

Non-resident producers who meet their home state requirements are exempt. So are temporary, limited lines, retired and travel licensees, and producers licensed before January 1, 1980.

Checking where you stand

Transcripts are available through State Based Systems. Providers report within about 10 days, and self-study exams don't require a monitor.

North Dakota Insurance CE Requirements

North Dakota renewal is a two-part job, and the 15-day filing window means finishing late can cost you the licence even if you did the hours.

The requirement

What trips North Dakota agents up

• Doing the hours isn't renewing. North Dakota treats renewal as two steps: be CE compliant, then file the application and pay before expiration. Miss the second step and the license expires anyway.
• Courses taken inside 15 days may not count. Providers have 15 days to file credits. A course finished the week before expiration can post too late to save the renewal.
• Carryover has a timing rule. Only credits earned in the second year of your period can roll forward, up to 12.
• Newly licensed producers get the first calendar year. CE requirements begin January 1 of the year after you're first licensed.
• The Rule of 85 is gone. The old age-plus-experience exemption was repealed. Only those already grandfathered keep it.

Product training on top

• Annuities: A one-time 4-hour annuity training course before selling annuity products.
• Long-term care: An 8-hour initial course for partnership policies, then 4 hours every 24 months.
• Flood: A one-time 3-hour NFIP training course for producers writing flood.

Exemptions

Producers licensed only for credit, surety, travel and baggage, title, bail bonds or legal expense owe no CE — though they still renew every two years. Non-residents in good standing at home are exempt.

Checking where you stand

North Dakota uses your NPN as the license number, and transcripts are in State Based Systems. Aim to finish about 30 days out so the 15-day filing window doesn't catch you.

Vermont Insurance CE Requirements

Vermont puts every producer on the same clock, caps agency-management hours, and skips CE entirely for your first licence period.

The requirement

What trips Vermont agents up

• Your first period is free. CE doesn't apply until after your first renewal or first eligibility to renew. New licensees often buy hours they don't owe yet.
• Everyone shares the deadline. With a fixed March 31 date, the last weeks before renewal are the busiest time for Vermont providers. Booking a live class late is harder than it looks.
• Agency management is capped at six. Useful courses, but they can't make up more than six of your 24 hours.
• No carryover, no repeats. Extra hours vanish at the end of the term, and a course counts once per period.
• Keep your certificates. Vermont expects you to hold completion certificates for the current and most recent periods and to show compliance when you renew.

Product training on top

• Annuities: Producers licensed in Vermont on or after July 5, 2024 complete a one-time 4-hour Annuity Best Interest course. Equivalent training from another state is accepted.
• Long-term care: An 8-hour initial LTC course — two hours of which must cover Vermont-specific Medicaid — then 4 hours every 24 months.
• Flood: Property and casualty producers take a one-time 3-hour NFIP course.

Exemptions

Producers licensed less than two years at their first renewal, limited and restricted licensees, title, travel accident and travel baggage representatives, and non-residents compliant at home are all exempt.

Checking where you stand

Vermont uses an outside administrator for CE records and charges about $1.50 per credit hour to report. Track your own credits — the Department expects you to demonstrate compliance when renewal opens.

Washington, DC Insurance CE Requirements

The District splits your credits precisely, caps ethics at three, and wants everything finished more than two weeks before expiration.

The requirement

What trips Washington, DC agents up

• Extra ethics credits are wasted. Unlike most states, surplus ethics hours in DC don't convert to general credit. Take three, then move on.
• The real deadline is 15 business days out. That's three calendar weeks once weekends are counted. Cutting it closer risks the license expiring.
• There are no CE exemptions for renewal. DC states plainly that resident producers can't renew without meeting the requirement — including producers licensed by reciprocity, who owe it from their first renewal period.
• Dual licenses need six hours each. A combined life/health and property/casualty producer must show at least six hours in each line.
• Exams are proctored. DC has required a disinterested third party to proctor CE exams — someone with no business or family relationship to you.

Product training on top

• Flood: Property and casualty producers complete 3 credit hours of flood insurance training during their first license renewal.
• Annuities: A one-time 4-hour annuity training course before selling, soliciting or negotiating annuities.
• Title producers: Resident title producers owe 16 hours, attorneys 8, and non-resident title producers 4 DC-specific credits.

Exemptions

Non-resident producers meet their home state's requirements instead. Limited lines producers are exempt, and passing a recognized national insurance exam can satisfy the biennium in which you pass it.

Checking where you stand

Approved providers and courses are listed through the Department. Renewal runs through NIPR, and your credits must be reported before you file.

Hawaii Insurance CE Requirements

Hawaii divides your credits across the lines you hold, renews mid-month, and cycles by whether your birth month is odd or even.

The requirement

What trips Hawaii agents up

• It's your birth month that decides the year, not your birth year. Most states key the odd/even cycle to birth year. Hawaii uses the month, so agents moving here routinely get it wrong.
• Adding a line adds credits. Add a new line of authority and you must satisfy the credit requirement for all your lines before renewing — a P&C producer who adds life owes 11, 10 and 3.
• Credits fall into buckets. Hawaii publishes a priority list explaining how completions apply across ethics, life/health and property/casualty. Finishing 24 hours in the wrong mix can still leave a gap.
• No carryover at all. State law is explicit: credits earned in one renewal cycle can't count toward the next.
• Extensions need 90 days' notice. A written request to the Insurance Commissioner, at least 90 days before your renewal date.

Product training on top

• Annuities: A one-time 4-hour annuity training course for producers selling annuity products.
• Flood: Property and casualty producers complete a 3-hour NFIP course before writing flood.
• Long-term care: LTC sales carry their own training requirement.

Exemptions

Non-resident producers who meet their home state's requirements satisfy Hawaii. Limited licensees are exempt, as are producers licensed less than two years at their first renewal.

Checking where you stand

Providers must submit completions electronically within 15 days, and the Division must have your credits before you can pay and renew online. Hawaii also charges about a dollar per credit hour to report.

Rhode Island Insurance CE Requirements

Rhode Island keeps a familiar structure, asks for minimum hours in each line you hold, and allows a moderate carryover.

The requirement

What trips Rhode Island agents up

• Moving here doesn't reset the clock. Relocate to Rhode Island from another state and your first renewal still needs 24 credits — Rhode Island will accept courses approved in your prior state, but the requirement doesn't shrink.
• Ethics never carries as ethics. Three fresh ethics credits every cycle, regardless of what you banked.
• Adjusters now have their own requirement. Rhode Island adjuster CE took effect for licences expiring in 2026 and after, at 21 general plus 3 ethics.
• Renewal may want your certificates. Rhode Island has asked licensees renewing online to send the confirmation page along with completion certificates. Keep your certificates handy.
• No repeats in a cycle. A course counts once per renewal period.

Product training on top

• Annuities: Producers licensed on or after April 1, 2021 complete a one-time 4-hour Annuity Best Interest course. Equivalent NAIC training from another state reciprocates.
• Flood: A one-time 3-hour NFIP course for property and personal lines producers writing flood.
• Long-term care: NAIC long-term care training applies, and non-resident producers are not exempt from it.

Exemptions

Non-resident licensees who meet their home state's requirements are exempt when that state is reciprocal with Rhode Island — but they still owe the long-term care training if they sell LTC.

Checking where you stand

Your transcript is available through the NAIC license manager and the NIPR app. Providers report within about 10 days, and self-study exams are open book with no monitor required.

New Hampshire Insurance CE Requirements

New Hampshire wants your hours finished two months before expiration, and exempts you entirely at your first renewal.

The requirement

What trips New Hampshire agents up

• The deadline isn't your expiration date. New Hampshire wants the hours done two months ahead. Working back from expiry puts you two months late.
• Your first renewal is free of CE. Newly licensed residents who passed the New Hampshire exam skip CE at their first renewal — worth knowing before buying a package.
• Ethics has a ceiling as well as a floor. No more than 10 of your 24 hours may be ethics, so you can't simply stack ethics courses.
• Adjuster courses don't count for producers. Courses approved for adjusters only won't satisfy a producer requirement.
• No carryover, and you can't renew early. Extra hours are lost, and renewal isn't available more than 60 days before your date.

Product training on top

• Annuities: A 4-hour Annuity Best Interest course before selling annuities.
• Long-term care: An 8-hour LTC course, requiring a life or accident and health line of authority.
• Flood: Property and personal lines producers complete a one-time 3-hour NFIP course, which earns 3 CE credits.

Exemptions

Title producers, limited and restricted licensees, first-time renewers, and non-residents who meet their home state requirements are all exempt.

Checking where you stand

Renewal notices are mailed about 60 days ahead. New Hampshire charges roughly a dollar per credit hour to report, and courses can't be repeated in a reporting period.

Delaware Insurance CE Requirements

Delaware puts every resident producer on the same deadline, and hands long-tenured agents a block of automatic credits.

The requirement

What trips Delaware agents up

• Everyone shares one deadline. If you moved from a birth-month state, this is the thing to reset in your calendar. Delaware's residents all renew by the end of February in even years.
• Automatic credits never cover ethics. The 12 credits for long tenure or a designation apply to general hours only — you still take your three ethics hours.
• Carryover is 5 credits, non-ethics only. Ethics, long-term care and flood credits carry forward as general credit if at all.
• Health producers owe LTC hours while selling. Producers with a health line must complete at least 3 hours of approved LTC training during any two-year period in which they sell the product.
• Non-residents must claim the exemption. Being exempt isn't automatic paperwork-wise — if you don't claim it at renewal, Delaware expects the resident requirement.

Product training on top

• Annuities: A one-time 4-hour annuity best interest course, in addition to your 24 credits.
• Long-term care: Three hours of state-approved LTC training during each period you sell LTC products.
• Flood: Flood credits count toward the 24 but carry forward only as general credit.

Exemptions

Limited lines producers writing consumer credit, title, crop/hail, surety or car rental are exempt, as are certain pre-need funeral limited lines and some resident and non-resident adjusters.

Checking where you stand

Approved designations for the automatic credit are listed by the Department — AAI, CEBS, ChFC, CFP, CIC, CLU, CPCU, FLMI, FSPA and RHU among them. Renew through NIPR or Sircon once your hours are reported.

Montana Insurance CE Requirements

Montana wants a state-law hour every cycle, renews on the first day of your birth month, and renews you automatically once the credits land.

The requirement

What trips Montana agents up

• That legislative hour is Montana-only. Several national providers don't offer it. Finishing 24 general hours without it leaves you non-compliant.
• Your deadline is the first of the month. Montana runs to the first day of your birth month, so an agent born in September is due September 1 — a month earlier than most states would suggest.
• Renewal is automatic, but only if CE is in. Montana renews licenses up to 90 days ahead once your requirements are complete and reported. If the credits haven't landed, nothing happens.
• No carryover, no repeats. Extra credits are lost at the end of the term and a course counts once per two-year period.
• Exams are closed book. Montana requires closed-book CE exams, so check a course's format before buying.

Product training on top

• Annuities: A one-time 4-hour training course approved by the Commissioner before selling annuities. Similar training from another state is treated as reciprocal.
• Long-term care: An 8-hour initial course then 4 hours every 24 months — and these count inside your 24 credits rather than on top.
• Flood: A one-time 3-hour NFIP course for producers writing federal flood policies.

Exemptions

Non-resident producers in good standing at home are exempt but must send the Commissioner a letter of certification from their home state. Producers licensed only for surety bail bonds, prepaid legal or limited lines credit owe 5 credits including the legislative hour.

Checking where you stand

Completions report within a couple of business days and Montana charges about a dollar per credit hour to report. Because renewal is automatic, the thing to watch is whether your credits actually posted.

Maine Insurance CE Requirements

Maine keeps it simple: any approved course counts, open-book exams, and the license renews itself — provided the credits are in on time.

The requirement

What trips Maine agents up

• Fixing an old deficiency doesn't help this cycle. Credits taken to make up a shortfall from a previous period don't count toward your current requirement. You effectively pay twice.
• Automatic renewal cuts both ways. Nothing prompts you at the deadline — if the credits aren't reported, the renewal simply doesn't happen.
• Reporting takes up to 30 days. Maine gives providers a month to report. Finishing in your birth month is cutting it fine.
• No carryover. Extra credits don't roll forward, and a course counts once per license term.
• Keep your certificates for five years. Maine expects you to hold them even though providers report for you.

Product training on top

• Annuities: A one-time 4-hour Annuity Best Interest course before selling. Producers who completed an older 4-hour annuity course could top up with a 1-hour best interest course.
• Long-term care: An 8-hour initial LTC certification, then 4 hours every 24 months.
• Flood: A one-time 3-hour NFIP course for property and personal lines producers writing flood.

Exemptions

Resident producers holding only limited lines licenses owe no CE and renew automatically. Non-resident producers follow their home state, though online renewal isn't always available to them.

Checking where you stand

Maine has a VerifyMyCE page for checking your credits. If a renewal is held up for missing credits, the Bureau can issue a deficiency notice and talk through options.

New Mexico Insurance CE Requirements

New Mexico requires a few hours of live instruction every cycle, and tracking that is left to you.

The requirement

What trips New Mexico agents up

• You track the live hours yourself. New Mexico puts the burden on the licensee and can audit. A package of purely self-paced courses leaves you three hours short even at 24 total.
• The repeat window is three years, not two. Completion dates for the same course must be at least 36 months apart.
• A 25-year grandfather exemption exists. Continuously licensed and in good standing for 25 years without a lapse over 90 days? You can apply in writing for a grandfather exemption.
• Some licensees are exempt outright. Limited lines, fraternal benefit society agents, and those holding a license only to receive renewal residuals owe no CE.
• Non-residents still file something. Non-resident producers are exempt from the hours but file proof of home state compliance along with a CE fee.

Product training on top

• Long-term care: An 8-hour initial LTC course, then 4 hours ongoing.
• Flood: Property, casualty and personal lines producers take a one-time 3-hour NFIP course before writing flood.
• Annuities: Annuity product training applies before you sell, solicit or negotiate annuities.

Exemptions

Limited lines licensees, fraternal agents, residual-only licensees, non-residents meeting their home state's CE, and producers granted the 25-year grandfather exemption.

Checking where you stand

Log into SBS to see which completions have been reported — only hours in the credit hours column count, and credit applies only to courses taken in the current renewal period.

Connecticut Insurance CE Requirements

Connecticut lets state law count toward your ethics requirement, allows generous carryover, and gives no grace period at all.

The requirement

What trips Connecticut agents up

• There is no grace period and no extensions. Connecticut states plainly that it does not grant extensions. Your hours must be done by the end of your birth month.
• Law courses count as ethics here. Many states insist on a course labelled ethics. Connecticut accepts insurance law and regulations for the same three hours, which widens your options.
• Carryover is unusually generous. A full 24 hours can roll forward — effectively a free cycle if you double up once.
• The Partnership LTC course pays double. The one-time seven-hour Connecticut Partnership long-term care program earns eight CE credits toward your 24, including three that count as ethics.
• Renew online, within 90 days. You can renew 90 days before expiration and notices go out about 60 days ahead. Renewal is online only.

Product training on top

• Annuities: A one-time 4-hour Annuity Best Interest course before selling. Similar training completed for another state may satisfy it.
• Long-term care: Producers selling Connecticut Partnership policies complete the seven-hour Partnership certification, which also earns CE credit.
• Life settlement brokers: A separate 15-hour requirement every two years, due March 31 — though resident life producers are exempt from it.

Exemptions

Non-resident producers owe no Connecticut CE and file no evidence; compliance data is shared directly. Producers holding only travel or credit lines are exempt, and Connecticut adjusters have no CE requirement.

Checking where you stand

Providers report to State Based Systems, typically within 15 days. Don't mail certificates to the Department — check your record and renew through NIPR.

Idaho Insurance CE Requirements

Idaho keeps the requirement flexible — any approved course counts — but finishing your hours is only half the job.

The requirement

What trips Idaho agents up

• CE completion does not renew your license. Idaho says this plainly: licenses do not renew automatically when your hours post. You still submit a renewal application through NIPR afterwards.
• Allow time for the upload. Completions are typically reported within a couple of business days, but if it has been more than five days and you still can't renew, contact the Department.
• Public adjuster hours are capped. No more than 4 hours of courses approved for public adjusters count toward a producer license.
• There is a per-hour reporting fee. Idaho charges roughly a dollar per credit hour to report your completions.
• No repeats inside a term. The same course counts once per two-year license term.

Product training on top

• Annuities: Producers licensed on or after July 1, 2021 complete a one-time 4-hour Annuity Best Interest course before selling annuities.
• Long-term care: An 8-hour initial LTC course, then 4 hours every 24 months from that completion date.
• Flood: A one-time 3-hour NFIP course for producers selling flood. Carriers track this requirement rather than the Department.

Exemptions

Non-resident licensees in good standing at home satisfy Idaho through their own state's CE — though non-residents who haven't done LTC training elsewhere still owe Idaho's.

Checking where you stand

Idaho's approved course catalog and your record are both in the SBS lookup tool. Renewal opens 90 days before expiration.

Massachusetts Insurance CE Requirements

Massachusetts asks the most at your first renewal, when you have the least time — and your compliance date may not be your renewal date.

The requirement

What trips Massachusetts agents up

• Your first renewal is the hardest. Sixty credits, in a period that's actually shorter than three years. Start early rather than discovering it at month 30.
• Your compliance date isn't your renewal date. Massachusetts bases the CE compliance date on your original licensure, and it can sit well after the renewal date. Check both.
• Finish ten days ahead. Credits should be completed no later than ten days before your renewal date so reporting can land.
• Adjuster hours don't cross over. Hold both producer and adjuster licenses and you complete both requirements separately.
• There's a 1983 grandfather clause. Producers continuously licensed since before April 4, 1983 who never added a new line of authority are exempt. Add a line requiring an exam and the exemption ends.

Product training on top

• Annuities: A one-time 4-hour Best Interest training course before selling annuities. Variable products also require the appropriate license.
• Long-term care: An 8-hour initial LTC course, then a 4-hour follow-up every 24 months.
• Flood: Property and casualty producers writing federal flood policies take a one-time 3-hour NFIP course.

Exemptions

Producers grandfathered from before April 4, 1983 are exempt while they add no new lines. Non-residents follow their home state. Public adjusters have their own, smaller requirement.

Checking where you stand

Massachusetts CE services run through Pearson. Keep certificates for five years, and remember there's a per-credit reporting fee on top of course costs. Miss the renewal and you have 12 months to reinstate before reapplying from scratch.

Oregon Insurance CE Requirements

Oregon wants a state-law course every cycle, caps how much you can complete in a day, and expects your hours finished a month before expiration.

The requirement

What trips Oregon agents up

• CE is due 30 days before expiration. Not on your renewal date. Oregon sends a reminder about 90 days out, which leaves roughly two months to finish.
• The Oregon law hours are separate from ethics. Three of each, and a general ethics course won't satisfy the statutes requirement.
• You can't binge your hours. The eight-hour daily cap means a full 24 takes at least three separate days.
• There is no grace period. Miss it and the license lapses — you can't transact business. You have a year to reinstate by finishing the CE and paying the penalty.
• Agency management is capped. No more than four credit hours of approved agency management courses count toward your 24.

Product training on top

• Annuities: A one-time 4-hour Annuity Best Interest course. If it's Oregon-approved it counts toward your 24 hours.
• Long-term care: An 8-hour initial LTC course then 4 hours every two years, which likewise counts toward the 24 when Oregon-approved.
• Flood: Producers writing flood take a 3-hour NFIP course, and Oregon also expects flood-specific CE hours for those who sell it.

Exemptions

Non-resident producers in good standing at home are exempt, though non-residents selling LTC still owe that training. Adjusters and consultants have no Oregon CE requirement.

Checking where you stand

Providers have up to 15 days to report, and your hours must be posted before you can apply to renew. If a course wasn't uploaded, Oregon expects your certificates at renewal — but only once all 24 hours are done.

Wisconsin Insurance CE Requirements

Wisconsin keeps the rules simple and the penalty severe: credits must be banked by your expiration date or the license is revoked.

The requirement

What trips Wisconsin agents up

• Missing the date revokes the license. Wisconsin doesn't lapse you — credits not banked by the expiration date mean revocation. You can reapply within a year without redoing prelicensing or the exam, but only after the overdue CE is finished.
• Banked, not completed. The credits have to be posted by the deadline. Finishing a course the night before doesn't help if it hasn't been reported.
• Credits count in completion order. If you overshoot, the later hours simply don't count — there's no picking which ones apply.
• Waivers need 90 days' notice. Serious illness, disability or active duty outside Wisconsin can justify a waiver, but the request has to be in well before the deadline.
• Check the exam format. Wisconsin has required an attestation from both the licensee and a proctor after self-study exams. Confirm how a course handles that before buying.

Product training on top

• Annuities: Intermediaries licensed on or after October 1, 2022 complete a one-time 4-hour Annuity Best Interest course before selling annuities. NAIC best interest training from another state reciprocates.
• Long-term care: An 8-hour initial LTC certification, then 4 hours of ongoing training.
• Flood: Property, casualty and personal lines intermediaries take a one-time 3-hour NFIP course before writing flood.

Exemptions

Non-resident intermediaries owe nothing to Wisconsin and don't file evidence — the state receives compliance data electronically. Holders of certain limited lines, including credit, legal expense, travel and title, are exempt.

Checking where you stand

Course lists and your record live in State Based Systems. Renewal notices go out about 60 days ahead, and the biennial regulation fee is separate from your CE.

Nebraska Insurance CE Requirements

Nebraska separates your CE due date from your expiration date, and won't let you renew until the credits have actually posted.

The requirement

What trips Nebraska agents up

• Your CE due date comes before expiration. Nebraska works to a CE due date that sits ahead of the license expiration date — commonly described as about 45 days earlier. Check your own due date rather than counting back from expiry.
• You can't renew the moment you finish. Providers have up to 10 days to upload, and the system needs about a day after that before you're eligible. Finishing two days out isn't enough.
• No carryover. Extra hours don't roll into the next term, and no course counts twice in a reporting period.
• There's a per-hour reporting fee. Nebraska charges roughly a dollar per credit hour to report, on top of the course price.
• Multiple lines don't multiply the hours. Hold life, health and property lines and you still owe 24 total.

Product training on top

• Annuities: A one-time 4-hour annuity training course covering the best interest standard before you sell.
• Long-term care: An 8-hour initial LTC certification, then 4 hours every 24 months from that completion date.
• Flood: Property and casualty producers writing flood take a one-time 3-hour NFIP course.

Exemptions

Non-resident producers satisfy Nebraska by meeting their home state's requirements, provided that state reciprocates. Several limited lines — credit life, mechanical breakdown, prepaid legal, motor club, prepaid dental and others — are exempt.

Checking where you stand

Renewal notices go out about 60 days ahead and you can renew up to 90 days early. Confirm your credits have posted before trying to file.

Mississippi Insurance CE Requirements

Mississippi bases your requirement on how long your license has actually been in effect, so your first renewal is lighter than the ones after it.

The requirement

What trips Mississippi agents up

• Your first renewal isn't the full 24. Mississippi counts months, not cycles. Newly licensed producers regularly buy a 24-hour package when they owed 12.
• The Department publishes calculation charts. Because the requirement depends on months in effect, Mississippi puts out charts showing exactly what you owe. Check yours before buying.
• No carryover at all. Finishing early satisfies this period but builds nothing for the next one.
• There's an age-65 waiver. Producers 65 or older with at least 25 years of continuous licensure can request a CE waiver by affidavit — though you still file the renewal application.
• Check the exam format. Mississippi has required a disinterested third-party proctor for self-study final exams. Confirm how a course is delivered before you buy.

Product training on top

• Annuities: A one-time 4-hour Annuity Best Interest course before selling annuity products.
• Flood: A one-time 3-hour NFIP course for producers writing federal flood policies.
• Long-term care: LTC sales carry their own training requirement before you can sell.

Exemptions

Non-resident producers take CE in their home state and owe nothing to Mississippi. Limited lines and limited credit producers are exempt, as are producers who have declared their license inactive — though inactive licensees still file the renewal.

Checking where you stand

Mississippi processes CE through Sircon. Check your record there, and match it against the Department's calculation chart for your license period.

Iowa Insurance CE Requirements

Iowa runs a three-year cycle with a bigger total, dropped its classroom requirement in 2021, and still expects self-study exams to be proctored.

The requirement

What trips Iowa agents up

• Self-study is allowed now, but exams are proctored. Iowa permanently dropped its classroom requirement in June 2021. The proctoring rule for self-study final exams is separate — a disinterested third party has to supervise, not a friend, relative or colleague.
• Thirty-six hours sneaks up on people. Three years feels generous until the last few months. At twelve hours a year you stay comfortably ahead.
• Proof has to reach the Division in time. Iowa wants proof of completion received by the end of the last business day of your term, not merely completed by then.
• A lapse costs an extra fee. Let the license expire and there's a reinstatement fee on top of the renewal fee.
• Long-term care training has its own format rule. Iowa's initial LTC training has been required in a classroom setting, separate from the general CE rules. Check before assuming an online LTC course counts.

Product training on top

• Annuities: A 4-hour Annuity Best Interest course before you sell. Producers who completed an older 4-hour annuity course may be able to top up with a 1-hour best interest course instead.
• Indexed products: Iowa requires a one-time 4-hour training course for producers selling indexed life products, separate from annuity training.
• Long-term care: An 8-hour initial course, then 4 hours each three-year term.
• Flood: A 3-hour NFIP training course for producers writing flood.

Exemptions

Non-resident producers are exempt if their home state has a CE requirement — if it doesn't, Iowa's 36 hours apply. Licensed attorneys who are current on their continuing legal education are also exempt.

Checking where you stand

Iowa transcripts are available through the NAIC transcript tool. The Division suggests finishing at least a month before expiration so reporting has time to land.

Nevada Insurance CE Requirements

Nevada runs a three-year cycle with a bigger total, ties courses to your lines, and still has exemptions most states dropped.

The requirement

What trips Nevada agents up

• Three years is easy to lose track of. With no carryover and a long cycle, plenty of Nevada producers reach year three owing most of the 30 hours.
• Twenty years licensed can exempt you. Producers continuously licensed for 20 years may qualify for an exemption, but it isn't automatic — you file a form.
• Designations can exempt you too. Holding a CLU, CPCU, CIC, ChFC or CFP may qualify you for exemption. Confirm with the Division before skipping hours.
• Confirm your actual expiration date. Providers describe Nevada's renewal date differently — some say the month after your original license date, others your birth month. Look it up rather than assume.
• Check the exam format. Some Nevada self-study exams are closed book and may require a proctor. Confirm before buying a package built around open-book testing.

Product training on top

• Long-term care: An 8-hour initial LTC training course, then 4 hours every 24 months after that.
• Annuities: Annuity sales carry their own product training requirement before you can sell.
• Flood: Fire and casualty producers who write federal flood policies complete a one-time 3-hour NFIP course.

Exemptions

Non-resident producers are exempt from Nevada CE if they meet their home state's requirements. Twenty years of continuous licensure or certain designations may also qualify you — the full criteria sit in the Division's regulations.

Checking where you stand

Nevada tracks CE through Sircon, which is also where you renew. Keep your certificates for four years and check your transcript before filing.

Utah Insurance CE Requirements

Utah requires half your hours in classroom or classroom-equivalent courses, so the way a course is certified matters as much as the hours it carries.

The requirement

What trips Utah agents up

• Plain self-study covers at most half. Twelve of your 24 hours must be classroom or classroom-equivalent, so check that a package includes courses certified that way before you buy it.
• Classroom-equivalent is a certification, not a format. Utah approves specific courses as classroom-equivalent (CLEQ), and many online providers hold that certification. What counts is how the course is certified with the Department and recorded on your transcript — not how it looks while you take it.
• No carryover at all. Extra hours don't roll forward, and no course counts twice inside a two-year period.
• Confirm your renewal month. Providers disagree on whether Utah keys renewal to your license issuance month or your birth month. Check your actual expiration in the state portal.
• A 1982 exemption still exists. Producers first licensed before December 31, 1982 are exempt from CE entirely.

Product training on top

• Long-term care: Utah asks for less than most: a 3-hour initial LTC course, then 3 hours each licensing period after that.
• Annuities: Annuity product training is required before selling, for residents and non-residents alike.
• Flood: Producers writing federal flood policies complete a one-time 5-hour NFIP course — longer than the usual three.

Exemptions

Non-resident producers from reciprocal states are generally exempt. Producers first licensed before the end of 1982 are exempt, and lapses caused by military service are handled separately.

Checking where you stand

Renewal opens about 90 days before expiration and must be filed electronically through NIPR or Sircon. Check that your classroom-equivalent hours posted as CLEQ rather than self-study — that distinction is what the Department counts.

Alabama Insurance CE Requirements

Alabama keeps the requirement simple, offers exemptions most states dropped years ago, and gives back nothing for extra hours.

The requirement

What trips Alabama agents up

• Alabama still has a longevity exemption. Producers at least 60 years old who have been continuously licensed in Alabama for 15 years or more may be exempt — a provision many states repealed.
• Designations can exempt you too. Holding an active CLU, CPCU, CIC, ChFC, CFP, RHU, REBC, CHC or ARM may exempt you from the CE requirement. Confirm with the Department before skipping hours.
• Exempt doesn't mean exempt from everything. Even with a CE exemption, long-term care training still applies if you sell LTC.
• New producers get a year. Newly licensed producers and service representatives are excused for the 12 months after their license takes effect.
• Nothing banks ahead. Alabama allows no carryover at all, and no course counts twice in the same reporting period.

Product training on top

• Annuities: A 4-hour Annuity Best Interest course before you sell annuity products.
• Long-term care: An 8-hour initial LTC training course, then 4 hours each license term after that.
• Flood: A one-time 3-hour course for producers writing National Flood Insurance policies.

Exemptions

Alabama's exemption list is longer than most: age 60 with 15 years continuously licensed, certain professional designations, newly licensed producers in their first year, limited-lines-only producers, and insurance company officers not actively selling. The list has been amended over the years, so confirm the current version with the Department.

Checking where you stand

Alabama transcripts are available through the NAIC's State Based Systems lookup. Check yours before renewing — all hours must be reported, not just completed.

Oklahoma Insurance CE Requirements

Oklahoma requires a state-specific legislative update course that most national CE packages leave out. Check before you buy.

The requirement

What trips Oklahoma agents up

• A generic 24-hour package may leave you short. The legislative update is Oklahoma-only, and several national providers don't offer it. Finishing 24 hours without it still leaves you non-compliant.
• Property producers owe an earthquake hour. Producers holding property authority need a 1-hour earthquake course. It counts inside the 19 general hours.
• Your transcript has to say CE Compliant. Oklahoma wants that status showing before you can process the renewal, and providers have up to 10 days to report. Finish about 30 days out.
• There is no grace period. Miss the deadline and the license can't simply be renewed — you go through reinstatement.
• Carryover is small. Up to 6 excess hours roll forward, always as general credit, and no course repeats within 24 months.

Product training on top

• Annuities: A 4-hour annuity best interest training course before selling. Substantially similar training from another state is generally reciprocal.
• Long-term care: Oklahoma has had an 8-hour initial plus 4-hour ongoing LTC requirement, and the rules have been changing recently — confirm the current requirement with the Department before you sell.
• Flood: A one-time 3-hour NFIP course for producers writing flood.

Exemptions

Non-resident producers are exempt if they comply with their home state and that state's requirements are reciprocal with Oklahoma. If your home state has no CE requirement, you owe Oklahoma's. Title producers have a reduced 16-hour requirement.

Checking where you stand

Review your CE transcript with the Oklahoma Insurance Department, and check course numbers before enrolling so you don't repeat something inside the 24-month window.

Colorado Insurance CE Requirements

Colorado splits your 24 hours into three buckets, and only counts carryover hours earned in the last four months of your cycle.

The requirement

What trips Colorado agents up

• Carryover only counts from the last 120 days. Up to 12 hours roll forward, but only if you earned them in the final four months of your license cycle. Hours banked early in the term are simply used up.
• The three buckets trip people up. Finishing 24 hours isn't enough if only 15 of them were in your lines. Check the split, not just the total.
• Property and personal lines owe homeowners hours. Producers licensed for property or personal lines must include 3 hours on homeowners coverage.
• Colorado counts your completion date. Not the date your provider reported it. Keep your certificates — the state expects you to hold them for five years.
• Some Colorado exams are proctored. Self-study final exams can require a disinterested third-party proctor. Confirm the format before buying a package.

Product training on top

• Annuities: A one-time 4-hour annuity training course approved by the Division before you sell annuity products.
• Long-term care: Colorado is unusually strict: 16 hours of initial training, half of it partnership-specific and required in a classroom, then a 5-hour classroom refresher every 24 months.
• Flood: Property and casualty producers take a one-time 3-hour NFIP certification course before writing flood.

Exemptions

Newly licensed producers have until their second renewal cycle to comply. Producers writing only limited lines — travel, title, bail, limited credit, crop hail — are exempt. Non-residents comply through their home state but still pay Colorado's biennial continuation fee.

Checking where you stand

Colorado completions report to Sircon, usually within a day or two. Confirm your split across the three buckets, not just your total, before you file.

South Carolina Insurance CE Requirements

South Carolina has the most generous carryover of any state and one of the harshest penalties for missing your deadline.

The requirement

What trips South Carolina agents up

• A lapse can mean starting over. South Carolina is strict: let the license expire and you may be facing the exam, a new application and fingerprints again. This isn't a state to cut close.
• Eight hours per line, not just 24 total. Dual-licensed producers who take all 24 hours in one line are not compliant, even with the right total.
• Renewal doesn't appear until CE is done. Your renewal won't be available through NIPR until your hours are complete, so leave reporting time.
• The repeat rule runs two calendar years. A course can't be repeated within two years of the original completion date.
• A newly added line gets a pass. Add a line of authority within 90 days of your deadline and you don't owe its 8 hours that period.

Product training on top

• Long-term care: A one-time 8-hour LTC training course before you sell, then 4 hours every 24 months from that completion date.
• Annuities: Annuity sales carry their own training requirement before you can sell, solicit or negotiate.
• Flood: Producers writing federal flood policies complete the NFIP training requirement.

Exemptions

Non-resident producers comply by meeting their home state's requirements. Limited lines producers are exempt. Note that South Carolina repealed its reduced-hour and exemption provisions in 2010 — long tenure no longer lowers your requirement.

Checking where you stand

Check your compliance record with the Department before renewing. Finish at least a week out, since the renewal itself is blocked until your hours post.

Missouri Insurance CE Requirements

Missouri asks for fewer hours than most states, but ties them to your lines and reports everything electronically.

The requirement

What trips Missouri agents up

• Don't buy a 24-hour package. Missouri needs 16. Agents who move from Kansas, Illinois or Tennessee often buy eight hours they didn't owe.
• Your hours must match your lines. Missouri isn't an anything-goes state. A life and health producer takes life and health approved courses.
• Check which deadline applies to you. Missouri historically renewed on the license issuance date and moved toward birthday-based renewal in 2021. Confirm your exact expiration rather than assuming.
• Carryover reaches one period only. Excess hours apply to the next two-year term and no further.
• Late renewal adds up monthly. Missouri charges a penalty for each month a renewal is late, and a long enough lapse ends in termination.

Product training on top

• Annuities: A one-time 4-hour annuity training course before you sell annuity products.
• Long-term care: An 8-hour initial LTC course, then a 4-hour follow-up each compliance period. Selling a Qualified LTC Partnership plan requires that ongoing course.
• Flood: A 3-hour flood course for producers writing federal flood policies.

Exemptions

Non-resident producers are verified through the national Producer Database rather than filing paperwork — no certification letter needed. A handful of limited lines and producers living outside the U.S. are exempt.

Checking where you stand

Missouri CE is tracked electronically and can be checked through SBS Connect. Providers report within days, so confirm your hours landed before you file the renewal.

Maryland Insurance CE Requirements

Maryland expects your hours finished well before expiration, gives nothing back for overshooting, and cuts the requirement sharply after 25 years.

The requirement

What trips Maryland agents up

• The real deadline is two weeks early. Your license may expire on the last day of your birth month, but the CE has to be done 15 days ahead. Cutting it fine risks a $100 reinstatement fee.
• Dual-licensed producers split their hours. Hold both Life/Health and Property/Casualty and you need at least 6 hours in each line inside the 24.
• Twenty-five years cuts it to eight. A large drop that plenty of long-tenured Maryland producers don't know about. Agents aged 70 or older may also apply for a waiver.
• Repeats need six months. You can't repeat a course in the same period, and even across consecutive terms the completions must be at least 6 months apart.
• Nothing banks ahead. Overshoot your 24 and the extra hours are gone at renewal.

Product training on top

• Annuities: Producers selling annuities complete best interest training — either a 4-hour course, or a 1-hour supplement if you already did the older 4-hour suitability course.
• Long-term care: An 8-hour initial LTC course, then 4 hours of ongoing training each license term.
• Flood: Property and casualty producers who write flood, homeowners or commercial property have a flood CE requirement inside their 24 hours. Flood credit does not count toward the 6-hour property/casualty minimum.

Exemptions

Producers continuously licensed for 25 years or more get the reduced 8-hour requirement, and those 70 or older may apply for a waiver. Non-resident producers are generally covered by their home state.

Checking where you stand

Maryland course completions are reported to Prometric, and providers have 10 days to do it. If a course hasn't been banked yet, Maryland tells you to mail your renewal directly rather than wait.

Virginia Insurance CE Requirements

Virginia is one of the few states where the answer isn't 24 hours. What you owe depends on how many license categories you hold.

The requirement

What trips Virginia agents up

• Most agents owe 16, not 24. If you only hold Life and Annuities and Health, that's one category in Virginia's eyes. Buying a 24-hour package means buying eight hours you didn't need.
• Two categories means eight hours each. Add Property and Casualty to your Life and Health and you owe 24 hours, with a minimum of 8 relevant to each category.
• Company courses are capped at 75%. No more than three quarters of your credits can come from courses provided by insurance companies or agencies — any of them, not just your own carriers.
• Missing it terminates the license. Virginia administratively terminates rather than just lapsing you. You have about 12 months to reinstate by completing CE and applying.
• Carryover moves one cycle only. Excess credits roll forward a single renewal cycle and post automatically. They don't survive a failure to renew.

Product training on top

• Annuities: A one-time 4-hour annuity best interest course before you sell. Training done in another state that adopted the 2020 NAIC model generally counts.
• Long-term care partnership: An initial 8-hour LTC Partnership course, then 4 hours every 24 months from that date — tracked separately from your license cycle.
• Flood: A 3-hour flood course for producers who write flood insurance.

Exemptions

Non-resident agents are covered by reciprocity if their home state has CE requirements. Agents licensed less than a year at their first compliance date get that period off, limited-lines agents are exempt, and military reservists called up for more than 30 days can request a waiver.

Checking where you stand

Virginia's CE program is run by a board and administered by Pearson VUE rather than the Bureau directly. Check your transcript there to confirm hours and your category count.

Arizona Insurance CE Requirements

Arizona runs on a four-year cycle instead of two. The total is bigger, the deadline is further out, and nothing carries over.

The requirement

What trips Arizona agents up

• Four years feels like plenty, until it isn't. With no carryover and a long runway, it's easy to arrive at year four owing all 48 hours at once.
• Nothing rolls forward. Overshoot and the extra hours vanish. Plan to hit 48, not beat it.
• Finish before you apply. Hours must be complete and reported before you submit the renewal application, not just before the expiry date.
• Late means stopping work. Miss the deadline and you have to stop conducting insurance business until the Department renews the license, plus pay a late fee.
• Courses repeat only across terms. You can't take the same course twice inside a term, but after renewal it's available again.

Product training on top

• Annuities: A one-time 4-hour annuity best interest certification before selling, soliciting or negotiating annuities.
• Flood: A one-time 3-hour NFIP course for producers who sell federal flood policies.
• Long-term care: LTC sales carry their own training requirement, and it applies to non-residents too.

Exemptions

Non-resident producers in good standing at home don't complete Arizona CE at all. There's also a narrow exemption for producers continuously licensed in Arizona since January 1, 1995, subject to further conditions — check with the Department before relying on it.

Checking where you stand

Arizona CE is reported through the Department's vendor. Confirm your hours landed before filing, and note your exact expiration date, since four-year terms drift from the two-year rhythm agents expect.

Tennessee Insurance CE Requirements

What Tennessee producers owe, how the odd and even year cycle works, and why a missed deadline makes the license inactive immediately.

The requirement

What trips Tennessee agents up

• Late doesn't mean a grace period. If your completion documentation isn't on file by the last day of your birth month, the license goes inactive immediately. You can renew late for up to a year, with fees.
• Carryover stops at 12 hours. And ethics never carries as ethics — you take three fresh ethics hours every period.
• The repeat rule runs on 24 months, not cycles. Tennessee measures from the original completion date: the same course won't count again until 24 months have passed.
• Carried-over hours can bite. If you carry hours forward and then retake that same course, it's treated as a duplicate.
• Any subject counts. Tennessee doesn't tie your electives to your lines, so pick what's actually useful.

Product training on top

• Annuities: A one-time 4-hour annuity training course. Producers certified to sell annuities before January 1, 2024 had to complete an updated best interest course.
• Long-term care: LTC sales carry their own initial and ongoing training requirement.
• Flood: A one-time 3-hour NFIP course for producers writing federal flood policies.

Exemptions

Producers continuously licensed in Tennessee since January 1, 1994 are exempt from CE. Non-resident producers who meet their home state's requirements are exempt, provided that state reciprocates.

Checking where you stand

Documentation has to reach the Department before your deadline, not just be completed. Check your record rather than trusting the completion certificate, and leave room for reporting time.

Michigan Insurance CE Requirements

Michigan sets your deadline earlier than most states and suspends rather than fines. Here is what you owe and when.

The requirement

What trips Michigan agents up

• Your deadline is a month earlier than you think. Most states run to the last day of your birth month. Michigan's review date is the first day of it, so an agent born in June is due June 1, not June 30.
• Finish about 45 days early. Reporting takes time, and your hours must be on file by the review date rather than merely completed.
• Missing it suspends you for 90 days. You can keep servicing your existing book during a suspension, but you can't write new business or take on new clients until the hours are done.
• Carryover is 12 hours, general credit only. Extra hours roll forward once, and ethics hours never carry as ethics — you take 3 fresh ethics hours every period.
• Keep your certificates for five years. Michigan doesn't want them mailed in, but you're expected to have them if asked.

Product training on top

• Annuities: A one-time 4-hour annuity best interest training course before you sell, solicit or negotiate annuities.
• Long-term care: An initial state-approved LTC training course before selling, then ongoing LTC training every 24 months.

Exemptions

Michigan is reciprocal with every other state: meet your home state's CE and you automatically comply with Michigan's, with no proof to file. Agents licensed only in certain limited lines — credit, limited life, travel, title and a few others — are exempt.

Checking where you stand

Your provider reports completions to the Department of Insurance and Financial Services. Check your record there rather than relying on the certificate, and remember the review date is the first of the month.

New Jersey Insurance CE Requirements

What New Jersey producers owe each term, the fraud-credit substitution most agents miss, and what a lapse costs.

The requirement

What trips New Jersey agents up

• The fraud substitution is new and underused. Effective June 19, 2023, one of your three ethics credits can be satisfied with a course on insurance fraud. Useful if you're short on ethics options.
• Ethics credits never carry over. You can bank up to 12 general credits for next term, but ethics starts from zero every cycle.
• Carryover works once. Credits carried into a term can't be carried again into the term after it.
• A lapse is expensive. Let the license expire and you're looking at reinstatement with a substantial late fee, and you cannot sell, solicit or negotiate in New Jersey while it's lapsed.
• Check the format rules before you buy. New Jersey has had requirements around course delivery and proctored exams, and providers describe them differently. Confirm with the Department that the format you're buying counts.

Product training on top

• Annuities: Producers licensed on or after the state's 2025 best interest effective date must complete a one-time 4-hour annuity course covering the best interest standard before selling annuities.
• Long-term care: An 8-hour initial LTC training course, then 4 hours every 24 months.
• Flood: A one-time 3-hour NFIP flood course for producers who write flood. Those credits count inside the 24.

Exemptions

Non-resident producers are generally covered by their home state's CE. Public adjusters have their own, smaller requirement.

Checking where you stand

Look up your continuing education transcript with the Department of Banking and Insurance to confirm what's been reported and see your exact renewal date.

California Insurance CE Requirements

Hours, the ethics and anti-fraud rule, and the renewal date California sets differently from almost every other state.

The requirement

What trips California agents up

• Your renewal date is not your birthday. California runs off the license anniversary. Agents who moved from a birth-month state routinely miss this by weeks.
• Courses must match your lines. 21 of the 24 hours have to be approved for a line you hold, the way Georgia does it — not the anything-goes approach Texas takes.
• Carryover happens once. Up to 24 excess hours carry forward, and only once. Ethics, annuity and LTC hours carry as general credit only.
• Long-term care is its own track. 8 hours before you sell, then 8 hours a year for your first four years licensed, and 8 hours per two-year term after that.
• Keep your certificates for five years. California can audit, and it counts your completion date, not the date the provider reported it.

Who is exempt

Producers 70 or older who have held a California license in good standing for 30 years or more can be exempt from the CE requirement — though not from annuity or long-term care training. Non-resident licensees are generally exempt from California CE, including the ethics hours, unless they sell annuities or LTC products.

Ohio Insurance CE Requirements

What major lines producers owe each cycle, how the grace period works, and the mistakes that cost agents a late fee.

The requirement

What trips Ohio agents up

• Any approved course counts. Unlike Georgia or California, Ohio does not tie your electives to the lines you hold — though courses in your own line are still the sensible choice.
• Carryover stops at 12 hours. Extra hours roll forward up to half your requirement, and ethics or specialty hours carry only as general credit.
• Unreported hours do not carry. Hours have to be completed before the expiration date to count at all, so late reporting can waste them.
• There is a grace period, and it costs. One month past expiration you can still renew with a $50 late fee. After that the license is suspended and reinstatement runs $100, up to a year. Past a year you start over.
• Flood and LTC are separate. A one-time 3-hour flood course before selling flood, and 8 hours of LTC training plus 4 hours each period after.

Non-residents

Ohio non-resident agents who have met their home state CE requirements are exempt from Ohio CE. Agents holding only a limited lines license, or granted inactive status, are exempt as well.

Pennsylvania Insurance CE Requirements

24 hours every two years, plus the ethics and flood requirements Act 142 added in 2025 that many producers have not caught yet.

The requirement

What trips Pennsylvania agents up

• The ethics rule is new, and dated. Licensed before April 29, 2025? You need the 3-hour ethics course by April 29, 2026 or the end of your current license period, whichever is later. Licensed after that date? By the end of your first period.
• Flood applies whether you sell it or not. P&C and personal lines producers owe the 2 hours regardless of whether flood is part of the book.
• Old ethics courses may not count. The requirement only accepts courses approved for Pennsylvania ethics credit under the new rule. An ethics course taken earlier may not satisfy it.
• Missing the date gets expensive. There is a 60-day late window with an added fee on top of the renewal fee. After that the license goes inactive.
• Pennsylvania charges per course. The Department adds a course reporting fee, usually collected at checkout, on top of the course price.

Annuities and long-term care

A one-time 4-hour Annuity Best Interest course is required before selling annuities. Long-term care takes 8 hours up front (9 for partnership products) and 4 hours each license term after that.

Illinois Insurance CE Requirements

24 hours every two years — with two rules that catch more Illinois producers than anything else in the country.

The requirement

What trips Illinois agents up

• Self-paced ethics does not count. This is the single most common Illinois mistake. The 3 ethics hours must be classroom or live webinar; plenty of national providers do not offer one for Illinois.
• The deadline is ten business days early. Two weekends turn ten business days into two calendar weeks. Plan backward from that date, not your expiration.
• Carryover stops at 12 hours. Surplus hours roll forward up to 12, and surplus ethics hours count only as general credit next time.
• No repeating a course. The same course will not count twice inside one two-year term.
• There is a per-hour reporting fee. Illinois charges a reporting fee per credit hour, usually collected when you buy.

North Carolina Insurance CE Requirements

Hours, the odd-and-even year cycle unique to North Carolina, and what happens in the four months after you miss.

The requirement

What trips North Carolina agents up

• Your cycle depends on your birth year. It is the last day of your birth month, but only every other year — odd birth years in odd calendar years, even in even. Agents new to the state often assume an annual cycle.
• Missing it expires the license. Not a grace period with a fee: the license expires. You then have four months to finish the hours and pay a $75 reinstatement to Prometric.
• After four months it goes inactive. Miss that window and you are relicensing, not renewing.
• Ethics and flood carry as general. Extra hours carry forward, but ethics and flood credits count only as general credit next period, so you take them fresh each time.
• Old exemptions are closed. Age, 25-year tenure and designation exemptions have not been issued since 2010. If you were not granted one before then, you do not have one.

Non-residents

Non-resident producers have no North Carolina CE requirement, as long as their home state license is in good standing. The Department checks status through the national Producer Database, and a lapse at home cancels the North Carolina license.

Georgia Insurance CE Requirements

Hours, the ethics rule, and the line-of-authority requirement that leaves Georgia agents short at renewal.

The requirement

What trips Georgia agents up

• Courses have to match your lines. Georgia isn't like Texas, where any approved course counts. Your 21 non-ethics hours must be approved for a line you're actually licensed in — a life agent takes life-approved courses.
• The tenure break is 20 years, not 6. Agents who moved from Florida often expect a reduction at six years. In Georgia it's twenty.
• Carryover is capped at half. Extra hours roll forward, but only up to 50% of your requirement, and leftover ethics hours count as general credit — you still take 3 fresh ethics hours.
• No repeating a course in the same period. The same course won't count twice inside one renewal cycle.
• The certificate isn't the proof. Check your transcript, not your course completion email. Reporting delays near your birth month turn into renewal problems fast.

Reductions and exemptions

• Non-resident producers. Meet your home state's CE and Georgia generally treats you as compliant, as long as your home state reciprocates. You'll need a status letter issued within the last 90 days at renewal.
• Professional designations. Holders of designations such as CLU, ChFC, CFP, CPCU, FLMI, CIC, CEBS or AAI may qualify for a reduced requirement. The reduction isn't automatic, and the terms are set by the Office of Commissioner of Insurance — confirm yours before you skip hours.
• Hardship. Reductions for illness or other circumstances are handled case by case and must be requested before your expiration date, not after.

Selling annuities in Georgia

Before you sell, solicit or negotiate an annuity, Georgia requires a one-time 4-hour Annuity Best Interest course. It's separate from getting your 24 hours in, so don't assume a general annuities elective covers it.

Texas Insurance CE Requirements

What Texas producers owe every renewal, the ethics and classroom rules that catch people out, and what happens if you miss the date.

The requirement

What happens if you miss it

Texas doesn't just charge a late fee. You get 90 days after expiration to finish the missing hours and pay $50 per deficient hour, up to $500 per license. Miss that window and the license is inactivated — you apply for a brand new one, and it won't be granted until the hours are done and the fine is paid. TDI suggests finishing at least 30 days early, since providers can take up to 30 days to report completions.

Exemptions worth knowing

• 20 years continuously licensed. Licensed by TDI for 20+ years with no gap over 90 days? You can be exempt from general CE. It isn't automatic — you apply on form FIN517 and wait for written notice before claiming it.
• The exemption has holes. It doesn't cover annuity, long-term care or Medicare training. Sell those and you still owe that specialty training.
• Non-resident producers. If you're licensed elsewhere and meet your home state's CE, you're generally exempt from Texas CE — unless your home state has no CE requirement.

Extra training by product

• Annuities: a one-time 4-hour certification before you sell, plus ongoing annuity CE each renewal period.
• Long-term care: an 8-hour initial certification, then 4 hours each renewal.
• Medicare products: an 8-hour certification, then 4 hours each cycle — required even with a longevity exemption.

Checking your hours

Texas tracks CE through Sircon. Pull your transcript there to see what's been reported, how each course was classified, and your exact expiration date — before you assume you're finished.

Florida Insurance CE Requirements

How many hours you owe, when they're due, and what has to be in them — for Florida life and health agents (2-14, 2-15, 2-16, 2-18) and 2-40 health agents.

How many hours do you need?

What trips Florida agents up

• The deadline is your birthday, not January. Florida runs CE off your birth month, so two agents in the same office rarely share a due date.
• Your license doesn't expire — your appointments do. Florida licenses are perpetual and carry no renewal fee. Miss your CE and appointments stop renewing, and going 48 months without one cancels the license.
• The Law & Ethics course must match your license. A general ethics course doesn't satisfy it; it has to be the Florida Law & Ethics Update approved for a license type you hold.
• You can't repeat a course. Completions of the same course have to be at least 24 months apart to count again.
• Carryover is limited. Up to 24 extra hours roll into the next period, but leftover ethics hours count only as general credit — you still take a fresh Law & Ethics Update.
• Holding more licenses doesn't mean more hours. 24 is the ceiling no matter how many lines you carry.

Checking where you stand

Your completed hours and your compliance date both live in your MyProfile account with the Florida Department of Financial Services. Course providers report completions for you, usually within a few days, so check there before assuming you're short.

Insurance Pre-Licensing Course — Pass Your State Exam

Everything you need to pass the life and health insurance exam on your first try: instructor-led videos, real practice exams, study guides, and a walkthrough of the license application itself.

What's included