Among the provisions of Senate Bill 577 (SB 577), the “Missouri Long-term Care Partnership Program Act” was established and will be administered by the Missouri Department of Social Services in conjunction with the Missouri Department of Insurance, Financial Institutions and
Professional Registration (DIFP). The program is designed to: SB 577 requires that the DIFP director develop requirements to ensure that any individual who sells a qualified long-term care insurance partnership policy receives training and demonstrates evidence of an understanding of such policies and how they relate to other public and private coverage of long-term care. As such, the DIFP director will author regulations establishing guidelines for training and a standard of continuing education for licensed
insurance producers who sell qualified long-term care policies. Qualified long-term care policies are those that are approved and certified by the DIFP director as meeting the requirements of: With the passage of this law, licensed insurance
producers selling, soliciting, or negotiating Qualified Long-term Care Partnership Policies must receive training regarding such policies and demonstrate an evidence of an understanding of the policies. Those producers will be required to complete eight (8) hours of initial basic training specific to Partnership policies before selling such policies and receive at least four (4) hours of continuing education regarding such policies during each two-year renewal period thereafter. That training
and continuing education must be received via classes pre-approved by the DIFP as meeting the requirements for sufficient content. ProducersMissouri Department of InsuranceTruman State Office Building Room 530 P.O. Box 690 Jefferson City, MO 65102 (573) 751-4126
State CE Requirements for Insurance Continuing EducationAlabama Producers: 24 hours, including 3 hours of ethics, each reporting period Service representatives or producers who are employed by another producer or insurer: 12 hours (of which 2 should be ethics) per reporting period to work only in the office of the employer and who are not licensed as a non-resident in any other state. CE Course Restrictions: None. To complete your general CE requirements, you may take any approved course without regard to the type of license you hold.
Alaska Producers: 24 hours (of which 3 should be ethics) required every 2-year license term. Adjusters: 24 hours (of which 3 should be ethics) required every 2-year license term. CE Course Restrictions: Licensees may complete the 24-hour CE requirement by taking courses in the subject areas of : insurance technical or product information; risk management; insurance law and regulation; mathematics, statistics, and probability; economics; business law; finance; taxation directly related to insurance products; business insurance ethics; licensee professional liability; or business organization, management, and environment, including motivation, psychology, and sales training. No more than 8 CE hours may be completed in the subject areas of business organization, management, and environment, including motivation, psychology, and sales training.
Arizona Producers: 48 credit hours (of which 6 should be ethics) required every license term. Adjusters: Resident and non-resident adjusters are exempt from CE requirements.
Arkansas Producers: 24 hours (of which 3 should be ethics) every 2-year license term. Adjusters: 24 hours (of which 3 should be ethics) every 2-year license term.
California Property Broker-Agent and/or Casualty Broker-Agent, Personal Lines Broker-Agent, Life-Only and/or Accident and Health licensees: 24 CE hours, including 3 hours of ethics, are required every 2-year license term. Limited Lines Automobile Insurance Agent licensees: 20 CE hours, including 3 hours of ethics are required every 2-year license term. Independent or Public Adjusters: 24 CE hours, including 3 hours of ethics every 2-year license term. Training Restrictions: A licensee can only get credit for approved courses for the license type held.Life-only agents, accident and health agents, property or casualty broker-agents, and personal lines broker-agents must complete three hours of ethics CE training every license term as a part of the requirements. For those licensees who hold one or more of the above named license types, the 24 hours of CE may be completed in courses applicable for any of the license types held.
Colorado Producers: 24 hours, including 3 hours of ethics, every 2-year license term. CE Course Restrictions: At least eighteen (18) of the twenty-four (24) credit hours shall be in approved courses for the type of license for which the producer is licensed.
Connecticut Producers: 24 hours, including 3 hours of ethics/law/regulation, every 2-year license term. Life Settlement Brokers: Resident individuals who hold a Life Settlement Broker license must complete 15 hours of CE every 2 years by March 31st. Life Settlement Broker licenses renew March 31st of each year. Resident individuals who hold a Life Producer license are exempt from the 15-hour life settlement continuing education requirement. CE Course Restrictions: 6 CE hours must be in the license type held and a minimum of 3 CE hours must be in a course approved for ethics, law, or regulation. Remaining credits may be of any combination or type.
Delaware Producers: 24 hours, including 3 hours of ethics, every 2-year license term. Adjusters: 12 hours, including 3 hours of ethics, are required every 2-year license term.
District of Columbia Producers: 24 hours, including 3 hours of ethics, every 2-year license term. CE Course Restrictions: Producers must complete 3 hours in approved ethics courses. All other hours may be completed by taking courses approved only for the line of authority licensed for. For L/H and P/C combined licenses, producers are required to complete at least 6 hours in each line of authority.
Florida New Ethics Requirement: Enforcement of the 4 Hour Law and Ethics Update requirement will begin for CE cycles that end on or after 1/31/2022. If a licensee has an outstanding CE cycle that was due before 1/31/2022, that licensee should complete a previously approved 5 Hour Law and Ethics Update course.
Note: The table above does not reflect reductions, if applicable. Reductions are applied to the elective category. *Public Adjusters (03-20) can only satisfy elective credits by taking CE courses specifically approved for Public Adjusters. ***The three-hour ethics requirement will be satisfied by department-approved courses in ethics, rules, or compliance with state and federal regulations relating specifically to title insurance and closing services. The course authority for title agent ethics is currently CE9908.
Georgia All Licensees LESS than 20 years of service: 24 hours, including at least 3 hours of ethics, each biennium. Exceptions:
CE Course Restrictions: Continuing education requirements may be completed in any subject area (line of insurance) for
which the
Hawaii Licensee holding ONE of Life/Accident and Health or Sickness, Property/Casualty): 24 hours, including 3 hours of ethics or Hawaii insurance laws and rules. Licensee holding BOTH a Life/Accident and Health or Sickness and Property/Casualty): 24 hours total to include
CE Course Restrictions: None. To complete your general CE requirements, you may take any approved course without regard to the type of license you hold.
Idaho Producers: 24 hours, including at least 3 hours of ethics, every 2-year license term. CE Course Restrictions: No more than 4 hours of continuing education credit from courses approved for public adjusters shall apply toward the continuation of a producer license.
Illinois Producers: 24 hours, including 3 hours of ethics, every 2-year license term. CE Course Restrictions: 3 hours of ethics must be completed in a live training format (classroom or webinar). Crop producers can fulfill their CE requirement with course approved for property and casualty.
Indiana Producers (Accident & Health, Life, Property & Casualty, Personal Lines): 24 CE hours, including 3 hours of ethics, every 2-year license term. Title Only Producer: 7 CE hours every 2-year license term. Bail Agent or Recovery Agent: 6 CE hours every 2-year license term. Adjusters: 24 CE hours every 2-year license term. Resident Navigator: 2 CE hours every 1-year license term. Consultant, Public Adjuster, Portable Electronics, Travel Insurance, and Surplus Lines: No CE requirement. Producer (Credit, Crop, Funeral Director/Prearranged Funeral): No CE requirement. CE Course Restrictions: Multi-line producers holding a Title license must complete 7 hours of Title CE as part of their 24 hour requirement.
Iowa Producers: 36 total CE hours, including 3 hours of ethics, every 3-year license term. Crop Line of Authority ONLY: 18 total CE hours, including 3 hours of ethics, are required every 3-year license term. Public Adjusters: 24 total CE hours including 2 credits on the topic of ethics every 2-year license term.
Kansas Individual Licensed agents whose biennial renewal dates are on or before December 31, 2021, must complete the following credit hours of approved education:
EFFECTIVE JANUARY 1, 2022Life and Health Producers: 18 CE hours, including 3 hours of ethics, are required every 2 year license term. Property and Casualty Producers: 18 CE hours, including 3 hours of ethics, are required every 2 year license term. Life/Health and Property/Casualty (combined license) Producers: 18 CE hours, including 3 hours of ethics, are required every 2 year license term. Crop Only Producers: 2 CE hours are required every 2 year license term. Title Only Producers: 4 CE hours are required every 2 year license term. Public Adjusters: 12 CE hours, including 1 hour of ethics, are required every 2 year license term. Bail Bond License, Self-Service Storage License, or Travel License: No continuing education requirement for these limited lines licenses. CE Course Restrictions: Crop producers do not have an ethics requirement; therefore all hours must be completed in approved Crop courses. Public Adjusters must complete 1 hour in approved ethics courses. All other hours must be completed in approved property/casualty courses.
Kentucky Producers: 24 hours, including 3 hours of ethics, every 2-year license term. Life Settlement Broker: 24 CE hours, including 3 hours of life settlements, 3 hours of life insurance, and 3 hours of ethics, are required every 2-year license term. CE Course Restrictions: At least 6 of the 24 required CE hours must be completed in a line of authority held by the licensee, EXCEPT adjusters who may take all courses in property and casualty. Excess ethics hours will go towards the optional hour requirement only.
Louisiana Producers: 24 CE hours, including 3 hours of ethics, every 2 year licensing term. Adjusters: 24 CE hours, including 3 hours of ethics, every 2 year licensing term.
Maine Producers: 24 CE hours, including 3 hours of ethics, every 2-year license term.
Maryland Producers: 24 hours, including 3 hours of ethics, every 2-year license term. CE Course Restrictions: Licensees must take CE courses that pertain to the lines of insurance that they hold on their producer license(s). Please refer to the Continuing Education Requirements Grid.
Massachusetts Producers: 60 CE hours* of CE instruction is required during the first 36-month period following the date of initial licensure. After the initial term, producers are required to complete 45 CE hours every subsequent 36-month compliance period. *New* insurance producers must now complete a program of instruction or attend a seminar on ethics equivalent to 3 ethics hours of instruction. Public Insurance Adjusters: 15 CE hours are required every 3-year CE compliance period.
Michigan Producers: 24 hours, including 3 hours of ethics, every 2-year license term. CE Course Restrictions: If a licensee completes more than 3 credits in ethics, the additional credits beyond the 3 required ethics credits will count toward the "other" 21 credits needed.
Minnesota Producers: 24 CE hours, including 3 hours of ethics, are required every license term. CE Course Restrictions: Insurance producers may take all continuing education hours over the Internet or via other verifiable self-study, but only half of the required Continuing Education hours may be obtained through company-sponsored courses.
Mississippi New Insurance Producers, Public Adjusters and Independent Adjusters (Less than 18 months): 12 CE hours Existing Insurance Producers, Public Adjusters and Independent Adjusters (in effect for 19-24 months): 24 CE hours, including 3 hours of ethics. Professional Bail Agents, Soliciting Bail Agents and Bail Enforcement Agents: 16 CE hours with 8 hours completed each year. CE Course Restrictions: Credit must be taken in the line of authority for the type of license held.
Missouri Life and/or Health, Property and/or Casualty, Multiple License: 16 credit hours of CE, including 3 hours of ethics, per license term. Title: 8 credit hours of CE per license term.
Montana Producers: 24 hours, including 3 hours of ethics and 1 hour of legislative changes to the Montana statutes, every 2-year license term. Limited Lines Credit Only Producers: 5 CE hours, including 1 hour of legislative changes to the Montana statutes, are required every 2 year license term.
Nebraska Producers: 24 hours, including 3 hours of ethics, every 2-year license term. Crop Only Producers: 6 CE hours, including 3 hours of ethics, required every 2-year license term.
Nevada Producers: 30 credit hours of CE, including 3 hours of ethics, are required every 3-year license term.
New Hampshire Producers: 24 hours, including at least 3 hours of ethics, every 2-year license term. Public Adjusters: 15 CE hours are required every 2 years. Multi-Line Adjusters and Workers' Compensation Adjusters: 24 hours, including at least 3 hours of ethics, every 2-year license term. Life Settlement Producers: 15 hours of training in the subject of life settlements and life settlement transactions required annually. CE Course Restrictions: Producers may take any New Hampshire-approved producer course to meet the requirement with a maximum of 10 hours on the topic of ethics. Producers may not take courses approved for adjusters only. Multi-line adjusters may take courses approved for multi-line or workers' compensation. Workers' compensation adjusters must take 24 hours in approved adjuster courses, of which a minimum of 10 hours must be in courses approved for workers' compensation credit. Public adjusters must take public adjuster courses only. CE must be completed 60 days prior to license expiration date.
New Jersey Producers: 24 CE hours, including 3 hours of ethics, are required every 2-year license term. Public Adjusters: 15 CE hours are required every 2-year license term.
New Mexico Licensees: 24 hours, including 3 hours of ethics, every compliance period. Title: 10 hours on title insurance, including 3 hours specifically on the proper handling of escrow funds. Limited Surety Agents, Property Bondsmen, Solicitors and Bail Bond Solicitors: 14 hours of approved courses covering the Bail Bondsmen Licensing Law, Sections 59A-1-1 et seq. NMSA 1978 and related regulations during each two-year compliance period. CE Course Restrictions: A minimum of three hours of continuing education course hours for each compliance period must be earned through participation in a formal classroom or in another learning format that permits the student to interact with a live instructor. Courses must cover some or all of the kinds of insurance for which they are licensed during each compliance period.
New York Licensees: 15 hours every 2-year license term. Adjusters: 15 hours every 2-year license term. CE Course Restrictions: You must take courses that are approved for your specific class of license.
North Carolina Producers: 24 hours, including 3 hours of ethics, every biennial compliance period. Adjusters: 24 hours, including 3 hours of ethics, every biennial compliance period.
North Dakota Producers: 24 hours, including 3 hours of ethics, every 2-year license term.
Ohio Major Lines Agents: 24 hours, including 3 hours of ethics, every 2-year license term. Title: Persons holding only a title license need to complete 12 hours of CE, 10 of which must be approved as title specific and 2 of which must be approved as ethics specific, prior to renewing their license. Surety Bail: 7 credit hours of CE, 6 of which must be approved as surety bail bond-specific and 1 of which must be approved as ethics-specific, prior to renewing their license. Viatical Settlement Brokers: 15 credit hours, all of which must be approved as Viatical-specific credit. Major Lines Agents + Title: 24 credit hours of CE, 10 of which must be approved as title-specific and 3 of which must be approved as ethics-specific. Major Lines Agents + Surety Bail: 24 credit hours of CE, 12 of which must be approved as surety bail bond-specific and 3 of which must be approved as ethics-specific.
Oklahoma Resident Producers: 24 hours, including 3 hours of ethics and 2 hours in legislative updates. Title: 16 hours, including 2 hours of ethics and 2 hours of legislative updates. Customer Service Representatives (CSRs): 13 CE hours, including 3 hours in ethics and 2 hours in legislative updates. CE Course Restrictions: A licensee holding a property line of authority is required to complete a 1 hour earthquake course, which will be counted as part of the 19 hour general requirement.
Oregon Producers: 24 hours, including 3 hours of ethics and 3 hours of Oregon law (statutes & administrative rules), required every 2-year license term. Adjusters: No continuing education is required for adjusters or consultants. CE Course Restrictions: No more than four hours is allowed for approved agency management courses.
Pennsylvania Producers: 24 hours required every 2-year license term.
Puerto Rico Producers: 24 CE hours are required every 2-year license term to include
Rhode Island Producers: 24 hours, including 3 hours of ethics, every 2-year license term.
South Carolina Producers: 24 hours, including 3 hours of ethics, every 2-year license term. Multi-Line Producers: Producers with both a property and casualty and life, accident and health license must complete 24 hours of CE credits. A minimum of 8 credit hours must be completed in each line of authority and a minimum of 3 credit hours of Ethics. Producers with
Reduced Compliance Requirements: Producers with reduced compliance requirements (15 hours) must complete 12 hours in the line of authority held and 3 hours of Ethics. Multi-line producers with reduced compliance requirements (15
South Dakota
Tennessee Producers: 24 hours, including 3 hours of ethics, every 2-year license term. Combination Multi-Peril Crop Adjuster and Life and Health OR Property and Casualty Producers: 48 CE hours, including 4 hours of ethics, are required every 2-year license term.
Texas Producers and Adjusters: 24 CE hours are required every 2-year license term. 2 hours of the required 24 CE hours must be in ethics and/or consumer protection (EFFECTIVE 09/01/2021, the ethics requirement will increase from 2 hours to 3 hours). Those who hold more than one license are not required to complete more than 24 hours (including 2 hours of ethics and/or consumer protection). Limited Lines Producers: 10 CE hours are required every 2-year license term. 2 hours of the required 10 CE hours must be in ethics and/or consumer protection (EFFECTIVE 09/01/2021, the ethics requirement will increase from 2 hours to 3 hours). Producers who hold more than one license are not required to complete more than 10 hours (including 2 hours of ethics and/or consumer protection). CE Course Restrictions: Producers must complete at least 50% of their required CE in certified classroom or classroom equivalent courses; up to 50% of the required hours may be completed with self-study courses.
Utah Producers and Adjusters: 24 hours including 3 hours of ethics. Title: 12 hours including 3 hours of ethics. CE Course Restrictions: 50% of the required CE hours must be in classroom or approved online classroom equivalent courses. No more than 50% of the training may be from courses provided by insurers. Outside of the ethics requirement, the remaining training can be from any line of insurance so long as the course is approved by the Utah Insurance Department.
Vermont Producers: 24 hours, including 3 hours of ethics, every 2-year license term.
Virginia Producers (Single License): 16 CE hours, including 3 hours of ethics (which may include VA laws and regulations), every 2-year license term. Producers (Multiple License): 24 CE hours, including 3 hours of ethics (which may include VA laws and regulations), every 2-year license term. Public Adjuster: 24 CE hours, including 3 hours in ethics, are required every 2-year license term. CE Course Restrictions: Life, Annuities, and Health is considered a single license for CE purposes. There is a minimum of 8 credits applicable to each license type held. No more than 75% of your required credits may be obtained from courses provided by insurance companies or agencies. Resident public adjusters may take Property and Casualty, Mitigation, Flood Public Adjuster and Ethics. Public Adjusters will not receive CE credit for Virginia Insurance Law and Regulation or Other General Insurance courses.
Washington Producers: 24 hours, including 3 hours of ethics, each reporting period Adjusters - New in 2021: A continuing education requirement for all resident adjusters was added as part of SHB 1037 (see section 2 of the bill). All adjusters (independent, public and crop) who are licensed as a resident of this state or who have declared Washington as their designated home state will be required to complete 24 hours of CE, including 3 hours of ethics training. This must be completed during each license renewal period of two years. Resident adjusters are highly encouraged to complete CE hours pertinent to their profession. The CE requirement will go into effect July 1, 2022. Resident adjusters whose license renewal is July 31, 2022, will be the first to be required to meet this new requirement, as well as all resident adjuster licensees after July 2022.
West Virginia Producers: 24 hours, including 3 hours of ethics, each reporting period Limited Lines: Producers who sell only pre-need burial insurance contracts or who engage solely in telemarketing insurance products using a scripted presentation that has been filed with and approved by the Insurance Commissioner must complete 6 CE hours, including 3 hours of ethics.
Wisconsin Producers – Life & Health and Property & Casualty: 24 CE hours, including 3 hours of ethics, are required every 2 year license term.
Wyoming Producers: 24 hours, including 3 hours of ethics, every 2-year license term. CE Course Restrictions: The number of insurance company sponsored CE hours shall not exceed 50% of the total requirement.
Disclaimer: InsuranceStudy provides this information as a courtesy to individuals who are subject to continuing education (CE) as insurance producers, agents, adjusters and/or brokers. Although reasonable efforts have been made to ensure that the information provided here is accurate and current, neither InsuranceStudy nor its employees warrant or represent that this information is accurate and current. All information is subject to change without notice. We encourage you to contact the relevant licensing body and/or your carrier to find the most up-to-date and personally relevant requirements. What is required for producers to sell LTC in Indiana?Producers must hold either an Accident & Health or Life, Accident & Health license to sell LTC insurance. Before marketing, selling or soliciting any LTC products, all producers must initially complete: An (8) eight hour basic LTC continuing education course specifically approved for LTC.
How many hours of continuing education focusing on long term care is required of producers who write long term care insurance in Oklahoma?Additional Selling CE Requirements
Title Producers are required to complete 16 hours of continuing education. The 16 hours should consist of 2 hours of ethics, 2 hours of legislative updates and 12 hours of producer general. CE courses approved for producers general are also approved for Title agents.
What license do I need to sell long term care insurance in Florida?The 2-15 agents license allows an agent to sell all forms of Life Insurance, Health Insurance, Medicare Supplement, HMO, Home Health Care, Managed Care and Long Term Care policies in Florida. Licensed agents may also sell Fixed Annuities.
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