Insurance license CE,
state by state.

How a producer's home state and other licensed states can each impose a different continuing-education requirement for the same person.

Almost every state requires a set number of CE hours specifically in ethics, separate from the general total — and it can't be substituted with extra hours in another subject.

Completing a CE course and having it show up on your license record are two different events. Here's what actually happens in between, and where it can break.

A producer holding multiple lines of authority in one state doesn't automatically owe separate full CE hour totals for each — but the details vary by state and by line.

A missed CE deadline doesn't always mean starting over from the pre-licensing exam, but the reinstatement window and penalty structure vary sharply by state.

How California structures its biennial 24-hour continuing education requirement, the ethics carve-out, annuity add-ons, and the carryover rule for excess hours.

Texas's 24-hour biennial requirement, the 3-hour ethics and consumer-protection rule, the classroom-equivalent minimum, and what happens if you miss the deadline.

Florida is one of the few states where total CE hours drop after six years of licensure — but the 4-hour Law and Ethics course never goes away.

New York's base CE requirement looks small next to other states — until you hold two lines of authority, or count the three separate mandatory-topic hours layered on top.

Pennsylvania's 2025 rule changes added a hard ethics deadline for existing producers and a standalone flood-training requirement for property & casualty lines.

Illinois requires 24 CE hours with 3 in ethics — but the ethics portion specifically cannot be satisfied through self-paced online coursework.

Ohio's standard 24-hour, 3-ethics structure comes with a strict no-repeat rule and a hard requirement to finish CE before submitting renewal.

Georgia is one of several states with an experience-based CE reduction, but the milestone (20 years, not the more common 6) and the carryover rule are both distinct.

North Carolina's 24-hour requirement comes with an unusually explicit grace period — and an unusually explicit penalty — for producers who miss their compliance date.

Michigan's standard 24-hour, 3-ethics structure comes with an unusually long required completion buffer before renewal — 45 days, not the more common 15 or 30.

New Jersey requires at least 12 of its 24 CE hours to come through classroom or classroom-equivalent instruction, a stricter split than most neighboring states.

Virginia's CE requirement depends directly on how many lines of authority a producer holds: 16 hours for one line, 24 for two or more — with a cap on company-sponsored coursework.

Washington's 24-hour requirement is strict about timing: no excess hours carry forward, and a completion certificate is only valid for 24 months from the course date.

Arizona is one of the few states running a four-year renewal cycle instead of two — which doubles the raw hour count compared to most states even though the annual pace is similar.

Massachusetts runs a three-year renewal cycle and asks new producers for more hours in their first term than in every term after.

Tennessee's standard 24-hour requirement is straightforward, but producers selling long-term care products owe a substantial one-time training on top of it.

Indiana's ethics requirement applies to life, health, and annuity lines specifically — property & casualty producers skip that portion of the standard structure entirely.

Missouri's 16-hour total is on the lower end nationally, and the state carves out a genuinely unusual list of full exemptions — including one based purely on age and tenure.

Maryland requires 6 hours in each line for multi-licensed producers, bans carryover entirely, and cuts the total to just 8 hours after 25 years of continuous licensure.

Wisconsin's standard 24-hour requirement comes with two distinct add-on certifications — annuity best-interest training and long-term care — each with its own one-time-plus-refresher structure.

Minnesota requires 12 of its 24 CE hours to be classroom or classroom-equivalent, and limits how much can come from a producer's own insurance company.

South Carolina layers a per-line 8-hour minimum on top of its standard 24-hour, 3-ethics structure for any producer holding more than one line of authority.

Alabama exempts long-tenured senior producers entirely, and separately exempts anyone in their first 12 months of licensure from their very first renewal's CE requirement.

Colorado breaks its 24-hour requirement into three distinct buckets: 3 ethics, 18 license-specific, and only 3 truly miscellaneous hours.