Rhoads Online Continuing Education Requirements Handy Guide
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1 Rhoads Online s Handy Guide Continuing Education s ALABAMA Any approved LTC& LTCP: 8 hrs. Initial, 4 hrs. ongoing. (eff. 1/1/17) for new licensees; existing life licensees who want to continue selling must meet req. by (7/1/17) ALASKA Max 8 hrs. in management, sales training, or marketing. LTC: 8 hrs.initial training prior to selling, 4 hrs. every 24 months. Annuities: Onetime 4 hrs. annuity. Yes - 8 hrs. max. Mgt, Mktg, and sales hrs. don't carry over. Ethics hrs. carry over as gen. credits. ARIZONA 48 hrs. quadriennially unless otherwise exempted. AZ resident insurance producers who have never held a nonresident license, are now required to complete continuing education. Any AZ approved CE may be taken, even if it is for a type of insurance not held on the license. 6 hrs. LTC: 8 hrs., initial. 4 hrs. 7/1-6/30 even odd year. (effective 1/1/2018) Internet ARKANSAS Any AR approved LTC and LTCP: 8 hrs. initial, 4 hrs. ongoing. Distance Learning Yes.May carry over number of hrs. needed for next reporting period
2 Rhoads Online Continuing Eduation Handy Guide Continuing Education s CALIFORNIA lines for which license is held. LTC: 8 hrs. prior to selling and 8 hrs. biennially thereafter. LTCP: Additional 8 hrs. Annuities: 8 hrs. prior to selling, 4 hrs. biennially thereafter.24 Hours Care Coverage: 4 hrs. prior to selling. Homeowners: one-time valuation training. Self-Study for partnership LTC or bail agent. Yes, limit, but may only be 24 Hour Care carried over once and only to the Coverage next reporting period. exam must be monitored. License Renewal (I) COLORADO Property or Personal Lines licensees: of homeowners CE At least 18 hrs. must be taken in lines for which license is held. LTC & LTCP: 16 hrs. initial and 5 hrs. every 24 months. (8 hrs. LTC-selfstudy, Internet, or classroom & 8 hrs. LTCP-classroom only) Claims-made Policies: 2 hrs. of claimsmade policy education before selling.. Homeowners: required of all property and personal lines producers. Yes max. of 12 credit hrs. earned only during the 120 days prior to deadline. CONNECTICUT At least 6 hrs. must be taken in lines for which license is held Flood: P&C, PL one-time flood. LTC & LTCP: Initial 8 hrs. certification and 4 hrs. classroom training on Partnership Program...
3 Rhoads Online s Handy Guide Continuing Education s DELAWARE Licensed 25 yrs. or more or holds a professional designation: 12 hrs. biennially. Any approved Flood: Licensees writing PL or HO complete 2 hrs. biennially. LTC & LTCP: biennially (must receive training in partnership policies and relationship to Medicaid) Annuities: One-time 4 hrs. annuity suitability. Internet Yes 5 hrs. max. Ethics credits may not be carried over; excess ethics credits will carryover as general credit. License Renewal; Last day of February, even numbered year. DISTRICT OF COLUMBIA 24 hrs. biennially lines for which license is held. Multiple lines must take a min. of 6 hrs. per line Flood: PC licensee take one-time 3 hr. flood. Flood CE is taken in first renewal cycle. Ins. Co. Course* FLORIDA 5 hrs. update and 19 elective hrs. biennially. Courses must be taken If licensed 6 yrs. or more, in lines for which 15 elective hrs. license is held. LH/PC If licensed 25 yrs. and hold licenses must take 50% CLU or CPCU 10 elective of hrs. in each line. hrs. 5 hrs.* law and ethics update LTC: 8 hrs. initial 4 hrs. ongoing. Self-Study! Yes, 24 hrs. End of birth month following the second anniversary of the license issuance date, and biennially thereafter.
4 Rhoads Online s Handy Guide Continuing Education s GEORGIA Less than 20 yrs.: 24 hrs. biennially.20 yrs. or more: 20 hrs. biennially. Professional designation: 12 hrs. biennially. Limited subagents & credit agents: 5 hrs. annually. lines for which license is held, provided the agent completes the minimum hours of their CE req in the subject of Ethics. ethics all but limited subagents, and credit agents PC licensees take one-time 3 hr. that will count toward CE requirement and can be used toward ethics requirement. LTCP: 8 hrs. initial, 4hrs ongoing every 24 months thereafter. Annuities: Onetime 4 hrs. annuity. Self-study# Yes max. of 50% of CE requirement for next reporting period to next CE reporting period only. License Renewal (Biennially - last day of birth month.) Initial term expires on the last day of the first birth month occurring between 18 and 29 months after the license approval date. HAWAII lines for which license is held. LTC: pending Partnership program implementation. Self-study# IDAHO Any s approved by the CE Advisory Committee are acceptable. ethics or law LTC: 8 hrs. initial, 4 hrs. ongoing. Annuities: One-tine 4 hrs.. Renewal date (B) The first renewal period may be anywhere from 21 to 32 months and will fall within the producer's birth month. ILLINOIS Classroom only LTC and LTCP: Resident producers must complete a LTCP specific 8-hr. and not less than 4 hrs. of LTC training every 24 months thereafter.. Yes (Max. of 12 hrs. ) DOI suggests compliance 1 month prior to license renewal.
5 Rhoads Online Continuing Eduation Handy Guide Rhoads Online Continuing Eduation Handy Guide s Ethics - Law Hours 1 Product Based Training Flood - LTC - Annuities 2 Carryover Credits Allowed 4 Compliance Deadline5 INDIANA L&H producers only LTC: 8 hrs. initial LTC basic prior to selling; 5 hrs. ongoing LTC CE each 2 years of the renewal period. IOWA 36 hrs. triennially. Producers, who hold a license with only Crop, have a CE requirement of 15 General hours and 3 Ethic hours. Only Iowa approved s. Indexed Products: 4 hr. prior to sale. LTC & LTCP: One-time 8 hrs. prior to selling. 4 hrs. ongoing. suitability At least 18 of the 36 hours must be approved as Classroom method. KANSAS Life or health 12 hrs. biennially includes 1 hr. ethics. Property or casualty 12 hrs. biennially lines for which license is includes 1 hr. ethics. LH & PC 24 hrs. held. more than biennially includes 2 hrs. ethics. Preneed life license - no requirement but Agency Mgt. may be taken in Ins. must affirm no other business written. 1 hr.- LH or PC 2 hrs. - LH & PC Flood: one-time 3 hr. approved by NFIP LTC: 4 hrs. initial Partnership training followed by 1 hr. related training every other year. suitability and company sponsored product specific training on an ongoing basis.
6 Rhoads Online s Handy Guide Continuing Education s KENTUCKY At least 6 hrs. must be taken in lines for which license is held. LTC: 8hrs. Initial, 4 hrs. ongoing.. Yes max of 12 hrs. LOUISIANA lines for which license is held. Flood: P&C and PL producers comply with FEMA. LTC: 8 hrs. initial training prior to selling and 4 hrs. each CE period ongoing training.. Yes, 10 hrs. Prior to License Renewal Product training prior to selling. MAINE LTC: 8 hrs. initial, 4 hrs. ongoing. ( must be proctored by a third party if approved for more than 16 hrs.) License Continuation (B) MARYLAND 8 hrs. biennially if continuously licensed 25 yrs. in MD as of 10/1/08. lines for which license is held. LH/PC combined must take a total of 6 credits in each line the remaining credits may be taken in either line. Flood: PC producers selling flood insurance complete 2 hrs. initial flood training and biennially thereafter. PC producers selling homeowners must complete a one-time 2 hour on flood insurance. LTCP: 8 hrs. initial training, 4 hrs. ongoing training plus 2 hrs. LTC MD CE..
7 Rhoads Online Continuing Eduation Handy Guide Rhoads Online Continuing Eduation Handy Guide s Ethics - Law Hours 1 Product Based Training Flood - LTC - Annuities 2 Carryover Credits Allowed 4 Compliance Deadline5 MASSACHUSETTS 60 hrs. prior to licensee's initial renewal and, 45 hrs. triennially thereafter. LTC & LTCP: 8 hrs. initial training, 4 hrs. ongoing including training on Mass-Health program. suitability Yes. Up to 45 hrs. may be carried over to next renewal period only. Licensee's birthday on a triennial basis. MICHIGAN LTC: 8 hrs. initial, 4 hrs. ongoing. suitability. First day of birth month, biennially DFIS encourages completion of CE 45 days prior to deadline. MINNESOTA Only s which impart substantive and procedural knowledge relating to insurance will be approved for credit. Courses must meet professional agent's needs. LTC & LTCP: 8 hrs. initial, 4 hrs. ongoing - training should include info regarding MN Medicaid/Medical Assistance System. suitability. Ins. Co. Courses * (limited to half) Online self-study or computer interactive License Renewal; last day of producer's birth month biennially. MISSISSIPPI lines for which license is held. Annuities: Onetime 4 hrs. annuity.
8 Rhoads Online s Handy Guide s MISSOURI 16 hrs. biennially. lines for which license is held LTCP: 8 hrs. initial, 4 hrs. ongoing.. Producers licensed on 3/30/17 must comply within 6 months of 3/30/17. Yes License Renewal (I) MONTANA Credit: 5 hrs. biennially. Credit license CE must be taken in credit and include at least 1 hr. in insurance law. All licensees must include 1 hr. MT legislative changes as part of their total hrs. in ethics 1 hr. MT law changes Flood: Company with FEMA LTC: 8 hrs. initial, 4 hrs. ongoing Self-Study* Prior to License Continuation (B) NEBRASKA lines for which license is held. Flood: P&C producers selling flood insurance comply with the FEMA req. LTC & LTCP: 8 hrs. initial, 4 hrs. ongoing. 45 days prior to License Renewal (B) NEVADA 30 hrs. triennially. Bail Agents: triennially lines for which license is held. LTC & LTCP: 8hrs. Initial, 4 hrs. ongoing - training should include Partnership topics. Online Courses # License Renewal (I)
9 Rhoads Online Continuing Eduation Eduation Handy Handy Guide Guide s Ethics - Law Hours 1 Product Based Training Flood - LTC - Annuities 2 Carryover Credits Allowed 4 Compliance Deadline5 NEW HAMPSHIRE LTCP: 8 hrs. initial, 4 hrs. ongoing suitability 60 days prior to License Renewal (B). NEW JERSEY ethics/fraud prevention. LTCP: 8 hrs. initial, 4 hrs. ongoing. suitability Online s Last day of birth month NEW MEXICO Licenses issued prior to July 1, 2017, 15 hrs. by April 30, Licenses issued July 1, 2017 and later, complete 24 hours biennially lines for which license is held LTC: 8 hrs. initial, 4 hrs. ongoing. Licenses issued prior to July 1, 2017, due by April 30, Licenses issued July 1, 2017 and later, complete 24 hours biennially by last day of the birth month. (B) NEW YORK 15 hrs. biennially. LH/PC comb.: 30 hrs. biennially, 15 hrs. in each line. Courses approved for LH and PC may be simultaneously applied to both requirements (Bridge Courses). Hrs. must be taken in lines for which license is held. LTCP: 8 hr. certification Annuities: specific hours annuity suitability training Internet 60 days prior to License Renewal (B) Based on year of birth, license expires on birthday in odd/even year.
10 Rhoads Online s Handy Guide s NORTH CAROLINA Any approved Flood: Comply with FEMA req, and 3 hrs. every 4 years thereafter. LTC: 10 hr. prelicense including the principles of LTC insurance and federal and NC law relating to LTC insurance. Yes, no limit, but may only be carried over to the next reporting period. Last day of birth month in even/odd years, depending on year of birth. NORTH DAKOTA Any approved LTCP: 8 hrs. initial, 4 hrs. ongoing Seminar or Internet Yes, 12 hrs. max earned in second year of reporting period. Ethics hrs. will carry over as general credits only. OHIO 24 hrs. biennially CE must be completed in license-related s only. LTC & LTCP: 8 hrs. prior to sale and 4 hrs. biennially thereafter. Yes, up to 50% of the Ins. Co. Courses requirement may be carried over Published Article to the next period as general Online interactive credits. License Renewal. Last day of birth month, biennially. OKLAHOMA 19 hrs. in general producer s. PC producers, include 1 hr. in earthquake. ethics. 2 hrs. legislative update LTC: 8 hrs. initial; 4 hrs. ongoing. Annuity: One-time 4 hrs. annuity Producers who hold property LOA 1 hr. Earthquake training. Yes - 6 hrs. may be carried over to the next reporting period. 30 days prior to License Renewal (B) last day of birth month, biennially.
11 Rhoads Online s Handy Guide s OREGON Courses must meet agent s professional needs. ethics and 3 hrs. of OR law. LTC & LTCP: 8 hrs. initial, 4 hrs. ongoing - training should include topics related to the state LTC Partnership program. PENNSYLVANIA Yes, 24 hrs. last day of birth month, biennially. RHODE ISLAND A minimum of 5 hours must be completed in each line held by the producer. LTC: 8 hrs. initial, 4 hrs. ongoing Self-Study! Yes max. of 12 credit hrs. Ethics may be carried over as general credit. SOUTH CAROLINA At least 8 hrs. must be taken in each line for which license is held. LTC & LTCP: 8 hrs. initial, 4 hrs. ongoing. Yes max. of 18 credit hrs. in the line of authority in which they are earned to next reporting period. Licensee's birth month odd or even year
12 Rhoads Online Continuing Eduation Handy Guide Rhoads Online Continuing Eduation Handy Guide s Ethics - Law Hours 1 Product Based Training Flood - LTC - Annuities 2 Carryover Credits Allowed 4 Compliance Deadline5 SOUTH DAKOTA 10 hrs. biennially. L/H alone - 10 hrs. P/C alone - 10 hrs. Crop alone - 4 hrs. Crop & L/H - 2 hrs. crop and 8 hrs. L/H Crop/P&C - 2 hrs. crop and 8 hrs. P/C Crop, P/C, L/H - 2 hrs. crop, 8 hrs. P/C, 10 hrs. L/H lines for which license is held. LH/PC-combined licensees must complete 10 hrs. devoted to one line LTC & LTCP: 8 hrs. initial, 4 hrs. ongoing - include topics on SD specific LTCP Medicaid program. suitability Ins. Co. Courses * Internet Courses Last day of birth month, biennially Renewal period opens 60 days prior to end of birth month. TENNESSEE TEXAS 24 hours biennially. Limited lines : 10 hours biennially. County Mutual: 10 hours biennially. Life under $25,000: 10 hours biennially. Major Lines 24 hours biennially. If the individual holds more than one license for which continuing education is required, the individual is not required to complete more than 24 continuing education hours for all licenses during the license period. LTCP training must include basic information about TennCare eligibility as it relates to the LTCP Program. Licensee may complete any Texas-approved. Courses are classified as either "general" or "ethics/consumer protection". 2 hrs. of ethics or consumer protection. Excess ethics hours will apply toward general CE credit within the same renewal period. Flood: Property/Casualty agents must complete a one-time 3 hr. NFIP training LTC & LTCP: 8 hrs. initial, 4 hrs. ongoing suitability LTCP: 8 hrs. initial, 4 hrs. ongoing Medicare: 4 hrs. CE credits Annuities: 4 hours of department certified annuity training prior to selling and 8 hrs. of ongoing training biennially. (For Classroom monitored exam, if attendance not used as method of completion) 50% of hrs. Self-Study # Yes-12 hours carried over to next period. Excess ethics hours may not be carried over. License renewal, last day of birth month biennially.
13 Rhoads Online Continuing Eduation Handy Handy Guide Guide s Ethics - Law Hours 1 Product Based Training Flood - LTC - Annuities 2 Carryover Credits Allowed 4 Compliance Deadline5 UTAH 24 hours biennially. 12 hours must be in the classroom or classroom type. more than 12 hours may be insurer sponsored LTC: One-time training of and ongoing training of each 24 month period, thereafter. Annuities: Suitability training, no specific hours to meet req. Ins. Co. Class * 50% of hrs. must be in classroom or classroom equivalent. Self- Study * Last day of birth month, biennially VERMONT more than 6 hrs. related to agency management per review period. Flood: Property/Casualty agents must complete a one-time 3 hr. NFIP training LTC: 8 hrs. initial training of which 2 hrs. must contain VT specific information. 4 hrs. ongoing training every 24 months ending March 31st of odd number years. License Renewal (March 31 odd years) VIRGINIA 16 hrs. biennially LH/PC comb.: 24 hrs. biennially, at least 8 hrs. in each line. lines for which license is held. LH/PC combo at least 8 hrs. in LH and 8 in PC ethics which may include VA laws and regs. LTCP: 8 hrs. initial, 4 hrs. ongoing. suitability, effective 4/1/17. Individuals already licensed on 4/1/17 must comply by 1/1/18. Ins. Co. Courses * Self-Study # Yes to next CE reporting period only. Must be v. 30 of even numbered reported in years. biennium in which was taken. WASHINGTON 24 hours biennially The OIC suggests licensees take s for the lines of insurance they are involved with most often. LTC: 8 hrs. initial, 4 hrs. ongoing. suitability.
14 Rhoads Online s Handy Guide s WEST VIRGINIA Telemarketers and preneed reps 6 hrs. biennially. LTC: 8 hrs. initial, 4 hrs. ongoing. Yes, 6 hrs. to next reporting period. Ethics and LTC carry over as general credits only. WISCONSIN Any approved LTC and LTCP: 8 hrs. initial to include 2 hrs. specific to WI Medicaid program, 4 hrs. ongoing to include 1 hr. specific to WI Medicaid program. Annuities: Onetime 4 hrs. annuity Internet# WYOMING Courses taken for continuing education reporting purposes must be approved by the Wyoming Insurance Department. LTC & LTCP: 8 hrs. initial, 4 hrs. ongoing - include training on state specific Partnership program. NOTES 1. Ethics and/or law hours are included as part of total requirement unless otherwise specified. * IN - Resident producers with LHV or LH line of authority, must complete 3 hours of ethics related to the marketing and sale of life, health or annuity products. 2. Training applies only to producer selling that product unless otherwise specified. Training requirements are not necessarily part of state's formal CE requirement, although CE credit may be earned by completing training that has also been approved for CE credit. Additional detail is available on the Long-Term Care Training QuickGuide. LTCP indicates training applies to the sale of partnership policies only. FEMA : This state has issued a notice reminding licensees who sell flood insurance of their requirement to comply with the minimum training requirements established by FEMA and the Natl. Flood Insurance Program (NFIP). The minimum training currently is a one-time 3 hr. on flood insurance and the NFIP program. Reference section 207 of the Flood Insurance Reform Act of # Monitored exam required.! Monitored exam not required by state for self-study; however, if the was approved with a monitored final exam, it must be completed as approved. 4. Unless otherwise specified, producer may carryover up to one CE period's amount of credit to the next renewal period only.
Revision Date shown in parenthesis indicates the date that a change was made for that state. Revised information is shown in bold text.
ALABAMA 12 hrs. for 1 yr license 24 hrs. biennially Any approved course 3 hrs. ALASKA 24 hrs. 16 hrs. min in insurance related lines; Max 8 hrs in agency mgt Published Article - 8 hrs max. ARIZONA 1-2
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