The National Underwriter Company
Continuing Education State Requirements
States
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, WyomingAlaska (AK)
Continuing Education Requirements
Residents
? Must complete 24 hours of continuing education every two years.
? Compliance is due in odd years if born in odd year, even years if born in even year.
? Licensees must self-report hours.
? Multiple lines or types of insurance do not require additional continuing education requirements.
? May not take more than 8 credit hours per reporting period in courses on business organization, management and environment, such as motivation, psychology and sales training.
? Licensees of reciprocal states that have met their resident state?s CE requirements are exempt.
? Those that do not claim this exemption must satisfy Alaska resident CE requirements.
Monitoring Requirements - None
Carryovers - Up to 8 excess hours may be carried over to the next period.
Website - http://www.dced.state.ak.us/insurance
Alabama (AL)
Continuing Education Requirements
? Must complete 12 hours of CE annually beginning first full licensed compliance period.
? Ten hours must be in license-related courses.
? Due last day of birthday month.
? Residents of reciprocal states that meet their state?s CE requirements are exempt
? Those who do not claim this exemption must satisfy Alabama resident CE
Professional Designation - Alabama residents who hold LUTC, CLU, CPCU, CIC, CHFC, CFP, RHU, REBC, CHC or ARM designations.
Age and Experience - Individuals 60 years of age or older who have held their license for 15 consecutive years.
Print Exams - A disinterested third party (a person with no employment or family relationship to the student) must monitor the exam. The monitor should take the sealed exam envelope and completes the Declaration of Compliance on the back of the answer sheet before forwarding exam materials.
Carryovers - Up to 12 excess hours may be carried over to the next period.
Repetitions- Courses may be retaken for credit after one year.
Website - http://www.state.al.us.com
Arkansas (AR)
Continuing Education Requirements
? 8 CE hours must be completed annually by all licensees
? 10 hours required for dual licensees in life and/or disability and property and casualty
? Credits are due on the licensee?s birthday each year
Non-Residents - None
Age- Exemption may be requested by licensees that are 60 years or older
Experience - individuals actively licensed for 15 consecutive years or more may request exemption.
Print Exams - State-registered monitoring is required. The monitor must:
? Open the exam package and complete the Exam Monitor Affidavit Form.
? Remain in the room during the exam process.
? Collect the completed exam, seal the package and mail the materials.
Online Exams - State-registered monitor is required. The monitor must:
? Key in the required information at the beginning of the online exam.
? Remain in the room during the exam process.
Carryovers - Excess hours may be carried over to the next period.
Repetitions - Courses may be repeated for credit after two years
Website - http://www.state.ar.us/insurance/
Arizona (AZ)
Continuing Education Requirements
? Twenty hours every two years for licensees that also hold a non-resident license and have a single license line
? Thirty hours every two years for licensees that also hold a non-resident license and have more than one license line
? Credits are due every two years on license anniversary date
? Licensees of reciprocal states that have met their Continuing Education requirements are exempt
? Licensees that do not claim this exemption must satisfy Arizona requirements
Print Exams - Monitored by a CE provider or another licensed producer, who must:
? Open the exam package and complete the Exam Monitor Affidavit Form.
? Remain in the room during the exam process.
? Collect the completed exam, seal the package and mail the materials.
Online Exams - Monitored by a CE provider or another licensed producer, who must:
? Key in the required information at the beginning of the online exam.
? Remain in the room during the exam process.
Carryover - None permitted
Repetition - Courses may be repeated for credit after two years
Website - http://www.state.az.us/id
California (CA)
Continuing Education Requirements
? 25 hours in courses approved for license area each year for 4 years following the original issue date of license
? Thirty hours in licensed area every two years after 4 years of licensing
? Credits due on license anniversary date
? Individuals licensed in both Life and P&C can complete courses approved for either line
? Licensees marketing long-term care insurance must complete an 8 hour California specific LTC CE course
? Licensees that meet their state?s CE requirements are exempt from California CE.
? Those marketing Long Term Care products must complete an 8 hour California specific LTC CE course
Age and Experience - Licensees 70 years of age or older licensed in good standing for 30 continuous years are exempt, but must meet the CA long-term care requirement to sell long-term care insurance
Monitoring Requirements - None
Carryovers - Up to 25 hours may be carried over by those licensed for less than four years; Up to 30 hours earned in the second year of the compliance period may be carried over by those licensed more than four years
Repetitions - Courses may be repeated for credit after two years
Website - http://www.insurance.ca.gov
Colorado (CO)
Continuing Education Requirements
Residents
? 24 hours biennially; new licensees have until their second compliance period to meet requirements
? Credits are due January 1st of each two-years compliance period
? Licensees in either P&C or L&H must earn at least 18 of their hours in line-of-business courses beginning two years after licensing
? Those licensed in both P&C and L&H may earn credits in either group
? Licensees selling long-term care must have a Health license and complete a two-hour CO-approved LTC course as a one time requirement; if the course is approved for CE the hours may be applied to the total CE requirement
? Licensees of reciprocal states that have met their state?s CE requirements may be exempted by submitting a letter of certification not more than 90 days old obtained from their home state?s insurance department
Print Exams - Monitored by a disinterested third party (defined as a person with no employment or family relationship to the student - cannot be co-worker or supervisor) who must:
? Open the exam package and complete the Exam Monitor Affidavit Form.
? Remain in the room during the exam process.
? Collect the completed exam, seal the package and mail the materials.
Online Exams - Monitored by a disinterested third party (defined as a person with no employment or family relationship to the student - cannot be co-worker or supervisor) who must:
? Key in the required information at the beginning of the online exam
? Remain in the room during the exam process
Carryovers - Up to 12 excess hours may be carried over to the next period if earned within 120 days of the end of the compliance period
Repetitions - Courses may be repeated for credit after three years
Website - http://www.dora.state.co.us/insurance
Connecticut
(CT) Continuing Education Requirements
Residents
? 24 hours every two years
? Individuals licensed during the first 12 months of a compliance period need only complete 12 hours
? Individuals licensed during the last 12 months of a compliance period have no CE requirements
? Credits are due January 31st of even-numbered years
? 3 credit hours of Law/Regulations/Ethics are required each compliance period
? Life, Accident and Health licensees must earn at least 6 CE hours in Life/Health courses (3 hours when licensed during the first 12 months of a compliance period)
? P&C licensees must earn at least 6 hours in property/casualty courses (3 hours when licensed during the first 12 months of a compliance period)
? Licensees who sell variable contracts must meet Life license requirements and NASD certification
? Licensees of reciprocal states that meet the CE requirements of their resident states are exempt
? Licensees who do not claim this exemption must meet Connecticut resident requirements
Monitoring Requirements
Print Exams - Monitored by a disinterested third party (defined as a person with no employment or family relationship to the student - cannot be co-worker or supervisor) who must:
? Open the exam package and complete the Exam Monitor Affidavit Form.
? Remain in the room during the exam process.
? Collect the completed exam, seal the package and mail the materials.
Online Exams - Monitored by a disinterested third party (defined as a person with no employment or family relationship to the student - cannot be co-worker or supervisor) who must:
? Key in the required information at the beginning of the online exam
? Remain in the room during the exam process
Carryovers - None permitted
Repetitions - Courses may be repeated for credit after two years
Website - http://www.state.ct.us/cid
Delaware (DE)
Continuing Education Requirements
? 20 credit hours (including 4 in ethics) every two years
? Credits are due February 28 of even-numbered years
? Licensees of reciprocal states that meet the CE requirements of their resident states are exempt
? Licensees who do not claim this exemption must meet Delaware resident requirements
Professional Designation - Residents who hold the AAI, CEBS, ChFC, CFP, CICCLU, CPCU, FLMI, FSPA or RHU designation are automatically credited with 10 CE hours (these hours do not apply to ethics requirement)
Age and Experience - Individuals licensed for at least 25 consecutive receive 10 automatic credits in each compliance period (hours do not apply to ethics requirement)
Carryovers - Up 5 excess hours may be carried over to the next period (including ethics hours)
Repetitions - Courses may be repeated for credit after five years
Website - http://www.state.de.us/inscom/
Florida (FL)
Continuing Education Requirements
? 28 hours of CE every two years for the first six years of license
? 20 intermediate or advanced course hours every 2 years for those licensed 6 or more years must complete 20 hours every 2 years
? General Lines Agents licensed only in P&C must complete 50% or more of their CE in P&C courses and the remainder in Health
? Life & Health Licensees must complete L&H approved courses
? Licensees with a Life or Health AND Property and Casualty must compete 50% of CE in Life or Health and 50% in Property and Casualty courses
? Licensees of reciprocal states that meet the CE requirements of their resident states are exempt
? Licensees who do not claim this exemption must meet Florida resident requirements
Age and Experience - Those licensed for at least 25 consecutive years that hold a professional designation of CLU or CPCU need only 14 hours every two years
Print Exams - Print exams are not available for use in obtaining Florida CE credits
Online Exams - Monitoring is not required for online exams used to gain credit for completion of interactive courses
Carryovers - Up to 28 excess hours may be carried over to the next period.
Repetitions - Courses can be repeated for credit after three years
Website - http://www.doi.state.fl.us/
Georgia (GA)
Continuing Education Requirements
? 15 hours of CE per year during the first 19 years of licensure
? Single license holders must take courses in that license line
? 10 hours per year after holding a license for 20 or more years
? 3 hours of Ethics CE is required each year
? The annual compliance period is based on the last two digits of the license number:
o 00-24: September 1
o 25-49: October 1
o 50-74: November 1
o 75-99: December 1
? Licensees of reciprocal states that meet the CE requirements of their resident states are exempt
? Licensees who do not claim this exemption must meet Georgia resident requirements
Professional Designations - Individuals with CIC, CPCU, CLU, FLMI, CEBS, ChFC or AAI designations are required to complete only 6 hours of CE annually (minimum 3 ethics hours)
Print Exams - Monitored by a disinterested third party (defined as a person with no employment or family relationship to the student - cannot be co-worker or supervisor) who must:
? Open the exam package and complete the Exam Monitor Affidavit Form.
? Remain in the room during the exam process.
? Collect the completed exam, seal the package and mail the materials.
Online Exams - Monitored by a disinterested third party (defined as a person with no employment or family relationship to the student - cannot be co-worker or supervisor) who must:
? Key in the required information at the beginning of the online exam
? Remain in the room during the exam process
Carryovers - Limited to 50% of the CE requirement; ethics hours can be carried over but will not count toward the ethics requirement for the next compliance period
Repetitions - Courses can be repeated for credit after 5 years
Website - http://www.inscomm.state.ga.us
Hawaii (HI)
Continuing Education Requirements
? For individuals licensed only in Life/Health or Property/Casualty: 20 hours of CE courses approved for licensed line of business every 2 years
? For individuals licensed in both Life/Health and Property/Casualty: 30 hours every two years as follows:
o 12 hours in Life or Disability, including 3 hours relating to the insurance code and insurance administrative rules
o 18 hours in Property/Casualty, including 3 hours relating to the insurance code and insurance administrative rules
? 3 credit hours in Hawaii insurance code and administrative rules are required for all licensees each compliance period
? Credits are due 30 days before bi-annual license issuance anniversary (odd years if licensed in an odd year, even years if licensed in an even year)
? Hawaii has no reciprocity agreements with other states as this time, but anticipates putting such agreements into place in the near future
? Individuals who hold only a limited license under section 431:9-214 of the Hawaii Revised Statutes
Print Exams - Monitored by a disinterested third party (defined as a person with no employment or family relationship to the student - cannot be co-worker or supervisor) who must:
? Open the exam package and complete the Exam Monitor Affidavit Form
? Remain in the room during the exam process
? Collect the completed exam, seal the package and mail the materials
Online Exams - Monitored by a disinterested third party (defined as a person with no employment or family relationship to the student - cannot be co-worker or supervisor) who must:
? Key in the required information at the beginning of the online exam
? Remain in the room during the exam process
Repetitions - Courses may
be retaken for credit during future compliance periods provided the course is
updated and continues to be approved
Carryovers - Carryover of excess hours is not permitted.
Website - http://www.state.hi.us/dcca/ins/
Iowa (IA)
Continuing Education Requirements
? 36 hours of general CE every three years
? 18 hours of the total requirement can be earned through self-study unless a course is part of a national designation
? Up to 36 CE credits can be earned through a national designation course; if less than 36 credits are earned, the balance must be earned through classroom instruction
? Licensees of states that meet their states? CE requirements are exempt from Iowa CE requirements
Professional Designation - Licensed attorneys who are also insurance producers are exempt upon submission of proof of completion of continuing legal education for the compliance period and payment of the CE fee
Print Exams - Monitored by a CE provider or another licensed producer, who must:
? Open the exam package and complete the Exam Monitor Affidavit Form.
? Remain in the room during the exam process.
? Collect the completed exam, seal the package and mail the materials.
Online Exams - Monitored by a CE provider or another licensed producer, who must:
? Key in the required information at the beginning of the online exam.
? Remain in the room during the exam process.
Carryovers - Carryover of excess hours is not permitted
Repetitions - Courses can be repeated for CE credit during future compliance periods
Website - www.iid.state.ia.us/
Idaho (ID)
Continuing Education Requirements
? 40 hours every two years during the individual?s first 3 licensing periods and for subsequent periods if all lines are held (Life, Disability, Property and Casualty)
? 12 hours every two years in courses approved for each licensed line during subsequent licensing periods (if three or fewer lines are held)
? Due on bi-annual license anniversary
? There are no non-resident continuing education requirements in Idaho
Monitoring Requirements - None
Carryovers - Up to 20 hours may be carried over to future compliance periods
Website - http://www.doi.state.id.us
Illinois (IL)
Continuing Education Requirements
? 30 hours of CE credits every two years
? 6 hours in a course approved for Illinois LTC education must be completed before marketing LTC products (one time requirement - hours count as CE hours)
? Due on bi-annual license anniversary date
? There are no non-resident continuing education requirements for non-residents that file a current letter of certification (must be less than 90 days old)
Monitoring Requirements - None
Carryovers - Up to 15 excess hours may be carried over to the next compliance period
Repetitions - Courses can be retaken for CE credit after three years
Website - http://www.state.il.us/ins/default.htm
Indiana (IN)
Continuing Education Requirements
Residents
? 30 hours every two years for licenses issued or renewed before 1/1/2001
? 40 hours every four years for licenses issued or renewed after 1/1/2001
? 10 hours every year for limited lines licensees (Mortgage, Title, Industrial Fire, Funeral Directors or Crop Insurance)
? Individuals licensed to sell long-term care insurance must earn 8 hours of LTC CE credit during the compliance period in which they receive the license, 5 hours during subsequent periods (counts toward overall CE requirements)
? Due license issuance anniversary every 4 years
? Non-resident Indiana licensees who comply with the CE requirements in their resident state are exempt
? Individuals selling long-term care products in Indiana must meet the resident LTC requirement
Print Exams - Monitored by another licensed producer, who must:
? Open the exam package and complete the Exam Monitor Affidavit Form
? Remain in the room during the exam process
? Collect the completed exam, seal the package and mail the materials
Online Exams - Monitored by another licensed producer, who must:
? Key in the required information at the beginning of the online exam
? Remain in the room during the exam process
Carryovers - Carryovers are not permitted
Repetitions - Courses may be repeated for credit in subsequent compliance periods
Website - http://www.ai.org/idoi/index.html
Kansas (KS)
Continuing Education Requirements
? 12 hours every two years for L/H or P/C licensees in courses approved for line in which license is held, including at least 1 hour in ethics
? 24 hours every two years for L/H and P/C licensees with 50% of hours earned in courses approved for each line, including at least 2 hours in ethics
? Due on birth date of odd years if born in an odd year, birth date of even years if born in an even year
? Licensees of reciprocal states that meet the CE requirements of their resident states are exempt
? Licensees who do not claim this exemption must meet Kansas resident requirements
Print Exams - Monitored by a disinterested third party (defined as a person with no employment or family relationship to the student - cannot be co-worker or supervisor) who must:
? Open the exam package and complete the Exam Monitor Affidavit Form.
? Remain in the room during the exam process.
? Collect the completed exam, seal the package and mail the materials.
Online Exams - Monitored by a disinterested third party (defined as a person with no employment or family relationship to the student - cannot be co-worker or supervisor) who must:
? Key in the required information at the beginning of the online exam
? Remain in the room during the exam process
Carryovers - Carryover of excess hours is not permitted
Repetitions - Courses can be repeated for credit after two years
Website - http://www.ink.org/public/kid
Kentucky (KY)
Continuing Education Requirements
? 24 hours every two years, including at least 12 hours fulfilled through classroom study and 2 hours in insurance ethics
? At least 6 of the 24 hours must be in license-related courses
? Licensees of states that meet their states? CE requirements are exempt from Kentucky CE requirements
Variable/Life Annuities License - Licensees holding a Variable Life/Annuities license with a Life license and NASD certification
Monitoring Requirements - None
Carryovers - Up to 12 excess hours may be carried over to the next period
Repetitions - Courses can be repeated for credit after two years
Website - http://www.doi.state.ky.us
Louisiana (LA)
Continuing Education Requirements
? Life and/or Health & Accident licensees: 16 hours every two years, due January 1st of even-numbered years
? Property and/or Casualty licensees: 24 hours every two years, due January 1st of odd-numbered years
? Life/Health and Property/Casualty licensees: 32 hours every two years (including 12 hours of L/H and 20 hours P/C credit), due January 1st every two years
? No more than 50% of the total requirement can be earned through self-study courses
? Licensees of reciprocal states that meet the CE requirements of their resident states are exempt
? Licensees who do not claim this exemption must meet Louisiana resident requirements
Age and Experience - Individuals age 65 years or older licensed for 15 or more consecutive years are exempt (must complete exemption form)
Monitoring Requirements - None
Carryovers - Up to 10 excess classroom hours may be carried over to the next period; self-study hours may not be carried over
Repetitions - Courses can be repeated for credit after two years
Website - http://wwwldi.ldi.state.la.us/
Massachusetts
(MA) Continuing Education Requirements
? 60 hours during the first three years of licensure, including at least one hour in a license-related course
? 45 hours every three years during subsequent periods, including at least one hour in a license-related course
? Licensees of reciprocal states that meet the CE requirements of their resident states are exempt
? Licensees who do not claim this exemption must meet Massachusetts resident requirements
Print Exams - Monitored by a disinterested third party (defined as a person with no employment or family relationship to the student - cannot be co-worker or supervisor) who must:
? Open the exam package and complete the Exam Monitor Affidavit Form.
? Remain in the room during the exam process.
? Collect the completed exam, seal the package and mail the materials.
Online Exams - Monitored by a disinterested third party (defined as a person with no employment or family relationship to the student - cannot be co-worker or supervisor) who must:
? Key in the required information at the beginning of the online exam
? Remain in the room during the exam process
Carryovers - Up to 45 excess hours may be carried over to the next period
Repetitions - Courses can be repeated for credit after six years
Website - http://www.state.ma.us/doi/
Maryland (MD)
Continuing Education Requirements
? 16 hours every two years in courses related to license
? 8 hours every two years for individuals licensed for 25 or more consecutive years
? Up to 50% of the hours can be earned through self-study
? Individuals selling long-term care insurance must earn at least 2 hours of LTC CE
? Licensees in workers comp must earn at least 4 hours in other course topics related to line of business (L/H or P/C)
? Due June 30 of odd-numbered years
? Licensees of reciprocal states that meet the CE requirements of their resident states are exempt
? Licensees who do not claim this exemption must meet Maryland resident requirements
Age and Experience - Individuals 70 or over may apply for a waiver
Carryovers - Carryover of excess hours is not permitted
Repetitions - Courses can be repeated for credit after two years
Website - http://www.mdinsurance.state.md.us/
Maine (ME)
Continuing Education Requirements
? 30 hours every two years
? 15 hours if licensed for more than one year but less than two
? Due October 1st of even-numbered years
? Licensees of states that meet their states? CE requirements are exempt
? Licensees of nonresident states that do not require CE must meet Maine requirements
? Non-Residents holding Annuity Agent Limited licenses must meet resident requirements
Monitoring Requirements - None
Carryovers - Carryover of excess hours is not permitted.
Repetitions - Courses can be repeated for credit after 4 years
Website - http://www.state.me.us/pfr/ins/ins_index.htm /
Michigan (MI)
Continuing Education Requirements
? Licensees of reciprocal states that meet the CE requirements of their resident states are exempt
? Licensees who do not claim this exemption must meet Michigan resident requirements
Monitoring Requirements - None
Carryovers - Carryover of excess hours is not permitted
Repetitions - Courses can be repeated for credit after two years
Website - http://www.cjs.state.mi.us/ins
Minnesota (MN)
Education Requirements
? 30 hours every two years if licensed for 18 months or more
? 15 hours if licensed more than 6 months but less than 18
? Up to 50% of credits can be through online courses and/or company seminars
? Due October 31 every two years
Non-Residents
? Licensees of reciprocal states that meet the CE requirements of their resident states are exempt
? Licensees who do not claim this exemption must meet Minnesota resident requirements
Print Exams - Monitored by a disinterested third party (defined as a person with no employment or family relationship to the student - cannot be co-worker or supervisor) who must:
? Open the exam package and complete the Exam Monitor Affidavit Form.
? Remain in the room during the exam process.
? Collect the completed exam, seal the package and mail the materials.
Online Exams - Monitored by a disinterested third party (defined as a person with no employment or family relationship to the student - cannot be co-worker or supervisor) who must:
? Key in the required information at the beginning of the online exam
? Remain in the room during the exam process
Carryovers - Carryover of excess hours is not permitted
Repetitions - Courses can be repeated for credit after three years
Website - http://www.commerce.state.mn.us/