Insurance License Renewal: CE Requirements by State

48 hours of CE per biennial renewal cycle, including 6 hours of ethics. Arizona does NOT require CE for adjusters.

36 hours of CE every 3-year renewal period. At least 18 of the 36 hours must be completed in a classroom setting. 3 hours must be in ethics.

Producers with Major Lines licenses must complete 24 hours of CE every 2 years, including 3 hours of Ethics. The 3 hours of ethics MUST be completed in a live training format (classroom or webinar). CE must be completed at least 30 days prior to license expiration to avoid penalty. Up to 12 hours of excess CE may be carried over to the subsequent license term. Renewal is by the last day of the birth month every 2 years.

24 hours of CE per 2-year renewal cycle. 3 hours must be in ethics. Alabama charges an additional $1 per credit hour filing fee collected by the CE provider. Non-residents must comply with home state CE requirements — if home state does not have reciprocity with Alabama, must meet Alabama CE requirements.

24 hours of CE every 2 years, including 3 hours of ethics coursework. CE must be completed before submitting renewal application.

24 hours of CE every 2-year renewal period, including 3 hours of ethics. Additionally, a $20 CE Filing Fee per license class is required at renewal.

Licensees renewing Property, Casualty, Personal Lines, Accident & Health, Life, or Variable Products licenses must complete 24 hours of approved CE per 2-year license term. Three (3) hours must be approved as ethics. Limited Lines Automobile Agents need only 20 hours. Renewal deadline is the last day of the licensee's birth month.

24 hours of CE per 2-year renewal cycle. 3 hours must be in ethics. 18 hours must be for the type of license held. CE requirement begins with second renewal period. No late renewal period — must reinstate or reapply if expired.

24 hours of CE per 2-year renewal cycle. 3 hours must be approved for ethics. Non-resident producers are not required to complete CE in Connecticut if actively licensed and in good standing in their home state.

24 hours of CE every 2 years, including 3 hours of ethics training. CE must be completed before the February 28 renewal deadline of even years.

24 hours of CE every 2 years, including 3 hours of ethics training. CE must be completed before the renewal deadline.

Insurance agents licensed less than 6 years must complete 24 total hours every 2 years, including 4 hours of Law and Ethics in the license type held. After being licensed for 6 years, the CE requirement reduces to 20 total hours every 2 years. CE must be completed by the last day of the licensee's birth month every 2 years. Florida allows a maximum of 24 excess CE hours to carry over into the next reporting period. Licenses are perpetual provided CE requirements are met and the agent remains appointed. There is NO renewal fee or paperwork required beyond completing CE.

Producers licensed less than 20 years must complete 24 hours of CE every 2 years, including 3 hours of Ethics. Producers licensed more than 20 years need only 20 hours. Licenses expire on the last day of the licensee's birth month every other year. If reinstating 6+ months after expiration, must re-submit fingerprints in addition to forms, fees, and penalties.

24 credit hours of CE per renewal period. There is a state charge of $1.00 per credit hour to report CE completion. Hawaii does not require Adjusters to complete insurance continuing education.

24 hours of CE every 2-year renewal period, including 3 hours of ethics. Life or Accident & Health licensees must complete an approved 8-hour Long-term Care course before selling LTC insurance. P&C or Personal Lines licensees must complete a one-time 3-hour NFIP course by end of first renewal period if selling Flood insurance.

24 hours of CE per biennial renewal cycle, including at least 3 hours of ethics training.

24 hours of CE per 2-year renewal cycle. 3 hours must be in ethics. Non-resident agents are not required to file CE in Kentucky but must comply with home state requirements.

24 hours of CE per 2-year renewal cycle including 3 hours of ethics. Effective August 2025, Louisiana will begin requiring 2 hours of legislative updates (applicable to renewals on or after July 31, 2027). Non-residents who meet home state CE requirements are deemed compliant.

24 hours of CE per biennial renewal cycle, including 3 hours of ethics training. CE must be completed before renewal.

24 hours of CE per biennial renewal cycle, including 3 hours of ethics. Effective October 1, 2025, additional training requirements added for limited lines credit insurance producers.

45 hours of CE every 3-year renewal cycle, including 3 hours of ethics. Additional requirements may apply for flood insurance and long-term care. P&C and Personal Lines producers pay additional $75 lead paint surcharge at renewal ($25/year for 3 years).

Resident producers must earn 24 credits of state-approved CE every 2 years, with a minimum of 3 credits in ethics coursework. License terms are based on the first day of the licensee's birth month every 2 years. Even birth year = even renewal year, odd birth year = odd renewal year. Non-resident producers are exempt from Michigan CE requirements if they have completed CE in their home state and remain in good standing.

24 hours of CE per 2-year renewal cycle. 3 hours must be in ethics. No more than 50% may be company-sponsored. Non-residents are exempt from MN CE if compliant in their home state.

24 hours of CE every 2-year renewal period (for licenses in effect 19-24 months). 3 hours must be in ethics. Producers age 65+ with 25+ continuous years of licensure are exempt from CE (effective April 17, 2023). A one-time 1-hour CE course is required before selling pet insurance.

24 hours of CE per biennial renewal cycle, including 3 hours of ethics and 1 hour of Montana statutes. CE completion triggers automatic license renewal.

24 hours of CE every 2-year renewal period, including 3 hours of ethics. Applies to Life, Accident and Health or Sickness, Property and Casualty, and Personal Lines. Health licensees wishing to sell Long-Term Care Insurance must complete a one-time 8-hour training course plus ongoing 4-hour refresher every 24 months.

30 hours of CE every 3-year renewal period. 3 hours must be in ethics. CE must be completed prior to license expiration.

24 hours of CE per biennial renewal cycle, including 3 hours of ethics training specific to the license type held. CE must be completed 60 days prior to license expiration to avoid penalty fees.

24 hours of CE per biennial renewal cycle, with 3 hours in ethics. Of the 24 hours, 12 must be classroom or classroom-equivalent education (instructor and students interact remotely via video-conferencing). One credit hour of ethics may be substituted with one credit hour related to insurance fraud. Producers selling annuity products must complete additional annuity best interest training.

24 hours of CE every 2-year renewal period (21 General, 3 Ethics). Applies to Life, Accident and Health or Sickness, Property, Casualty, Personal Lines, Title, Escrow.

Licensed producers must complete 24 hours of CE every 2 years, including 3 hours of Ethics. Renewal date is every 2 years on the last day of the birth month. Fingerprinting is required again every other renewal period ($38 fee). Nonresident producers are exempt from NC CE requirements.

24 hours of CE per biennial compliance period, including 3 hours of ethics. Required for producers licensed for Life and Annuities, Accident and Health, Casualty, Property, Personal Lines, and Crop Hail.

Producers must complete 24 hours of CE every 2 years, including 3 hours of Ethics. Renewal is by the last day of the birth month every 2 years. Late renewal: 1-month grace period with $50 late fee; 1 month to 1 year with $100 late fee. Non-resident agents completing CE in their resident state are exempt from Ohio CE requirements.

24 hours of CE per 2-year renewal cycle. 3 hours must be in ethics. 2 hours must be in legislative updates. Remaining 19 hours in general producer education. Non-residents with CE reciprocity from home state are deemed compliant.

24 hours of CE per 2-year renewal cycle. 3 hours must be in ethics. 3 hours must be in Oregon statutes and administrative rules. License expires on last day of birth month every 2 years. Non-resident agents are exempt if they meet home state CE requirements.

Licensed resident producers must complete 24 hours of continuing education credits during each 2-year licensing cycle. This includes 3 hours of state-approved Ethics CE. Property/Casualty/Personal Lines producers must also complete 2 hours of Flood insurance CE. Non-resident producers (except title agents) are exempt from Pennsylvania CE requirements.

21 general credit hours + 3 ethics credit hours = 24 total hours per biennial renewal cycle. Effective January 1, 2026, Rhode Island also requires CE for Company Adjusters, Independent Adjusters, and Resident Public Adjusters.

24 hours of CE per 2-year renewal cycle. 3 hours must be in ethics. 8 hours must be in each line of authority held. Renewal period begins 90 days before expiration. Non-residents who meet home state CE requirements are exempt.

CE requirements vary by lines held: 10 hours for agents holding only Life/Health OR only Property/Casualty; 20 hours for agents holding BOTH Life/Health AND Property/Casualty. Effective October 1, 2025, SD removed the limit on CE credits from insurance company-sponsored courses.

24 hours of CE per biennial renewal cycle, including 3 hours of ethics. Required for Property, Casualty, Personal Lines, Accident & Health, Life, and Variable Products licensees.

Licensed producers must complete 24 hours of TDI-approved continuing education every 2 years, including 2 hours of Ethics. CE must be completed based on the last day of the licensee's birth month. There is NO grace period — all CE must be completed before the license expires.

24 hours of CE per 2-year renewal cycle. 3 hours must be in ethics. 12 hours must be classroom or classroom-equivalent courses. Non-resident producers who are compliant in their home state are not required to complete additional Utah CE.

24 hours of CE every 2 years, including 3 hours of ethics training. CE must be completed before the March 31 renewal deadline of odd years.

24 hours per biennial renewal for producers with multiple license types. 16 hours if you hold only one license type or hold both Life & Annuities and Health. 3 hours must be ethics, and 8 hours must be in your line of authority. Effective February 1, 2026, new limitations on non-certification self-study CE: no more than 12 CE hours may be completed in any consecutive 24-hour period.

24 credit hours of CE per biennial renewal cycle, including 3 hours of ethics. Excess credits cannot be carried over. Course credit may only be applied toward renewal if completed within the current renewal cycle. Certificates of completion must be retained for 3 years.

24 hours of CE every 2-year renewal period, including 3 hours of ethics. Fingerprinting must also be completed at each renewal.

24 credits of CE per biennial renewal cycle, including 3 credits of ethics training. Must be completed before license expiration date.

24 hours of CE every 2 years, including 3 hours of approved ethics coursework. CE must be completed before submitting the renewal application.

18 hours of CE every 2-year renewal period for Property, Casualty, Personal Lines, Accident & Health, Life, or Variable Products licenses. 3 hours must be in ethics.

16 hours of CE per biennial renewal cycle, including 3 hours of ethics. This is lower than many states that require 24 hours.

Single-line licensed agents/brokers (Life/Health OR Property/Casualty) must complete 15 credits every 2 years in courses approved for their line of authority. Multi-line licensed agents/brokers (Life/Health AND Property/Casualty) must complete 30 credits every 2 years: 15 in Property and/or Casualty and 15 in Life and/or Health. CE is required once the license has been in effect for more than 2 years. Renewal is on the licensee's birthday every 2 years.