Connecticut Insurance CE: 24 Hours, Plus a New Flood Training Requirement Starting April 2026

24 hours, due by your birth month, every two years

Connecticut requires producers to complete 24 hours of continuing education every 2-year license term, due by the last day of the producer's birth month. Within that total, at least 6 hours must relate specifically to each line of authority the producer holds — a producer holding both property/casualty and life/health authority needs at least 6 hours tied to each line, not simply 24 hours of unspecified general content.

The ethics carve-out that can be satisfied two different ways

Connecticut requires at least 3 hours of continuing education in Connecticut insurance law and regulation, or ethics — and unlike states that require both categories separately, Connecticut treats these as interchangeable: a producer can satisfy this specific 3-hour minimum with either Connecticut-specific law/regulation content or general ethics content, not necessarily both.

This is a meaningfully different structure from a state like Oregon, covered elsewhere on this site, which requires a separate 3-hour ethics course AND a separate 3-hour state-law course. A producer moving between Connecticut and a dual-carve-out state should not assume the same course selection strategy works identically in both places.

New in 2026: a one-time flood insurance training requirement

Effective April 15, 2026, newly licensed Connecticut resident producers holding property/casualty or personal lines authority must complete a one-time, 3-credit NFIP (National Flood Insurance Program) flood insurance course approved by the Connecticut Insurance Department, in addition to their standard 24-hour biennial requirement. This applies specifically to producers newly licensed on or after that date — it is not a retroactive requirement added to every existing P&C or personal-lines producer's next renewal.

A producer who was already licensed before April 15, 2026 should confirm directly with the Insurance Department whether this requirement applies to them specifically, since a rule that targets newly licensed producers by definition draws a line based on licensing date rather than applying uniformly to the entire existing producer population.

A separate, smaller track for life settlement brokers

Resident individuals holding only a Life Settlement Broker license — a narrower license type distinct from a standard producer license — follow a different requirement: 15 hours of continuing education every 2 years, specifically in the Life, Accident & Health, or Sickness category, rather than Connecticut's standard 24-hour producer structure. A producer who holds both a life settlement broker license and a standard producer license should confirm which set of hours applies to which license rather than assuming one CE total covers both.

Worked example: a newly licensed property & casualty producer in 2026

A producer newly licensed with property/casualty authority in Connecticut in May 2026 needs to plan for both the standard 24-hour biennial requirement (including at least 6 hours in P&C specifically and at least 3 hours of Connecticut law/regulation or ethics) and, separately, the new one-time 3-credit NFIP flood course, since her license date falls after the April 15, 2026 effective date.

A colleague licensed in property/casualty back in 2019 renewing in 2026 is not automatically subject to the new flood-training requirement, because it targets newly licensed producers rather than every P&C-authorized producer regardless of licensing date — she should still confirm this distinction directly with the Department rather than assuming either way.

How Connecticut's single ethics-or-law carve-out compares to Massachusetts

Massachusetts, covered elsewhere on this site, runs on its own three-year cycle structure rather than Connecticut's two-year birth-month cycle — a producer holding both licenses is tracking genuinely different cycle lengths side by side, on top of Connecticut's newer flood-training rule that has no Massachusetts equivalent. Treat each state's timeline independently rather than assuming a shared renewal rhythm.

The annuity training requirement, and where to verify approved courses

Producers selling annuity products in Connecticut must complete a one-time, 4-credit annuity training course approved by the Insurance Department, similar in structure to the one-time annuity training requirements seen in states like Oklahoma covered elsewhere on this site. Confirm any course's Connecticut-specific approval status through the State Based Systems (SBS) Course Lookup or the Pearson VUE Provider and Course Lookup before enrolling — only courses approved specifically for Connecticut's program count toward the state's requirement, regardless of a provider's general multi-state marketing claims.

What happens if you miss the deadline

Connecticut does not offer a standard grace period, but it does allow a narrow 10-day late-renewal window with no penalty fee at all, provided the required CE was actually completed on or before the original expiration date — the leniency covers a short administrative delay in filing, not a delay in finishing the coursework itself.

Beyond that 10-day window, a producer has up to one year from expiration to reinstate by completing outstanding CE and paying a $160 late fee plus the standard $160 renewal fee. After a full year without reinstating, the path shifts to a new-license process entirely: pre-licensing education, the exam, and a $130 reinstatement fee on top of standard licensing costs.

Checklist before your next Connecticut renewal

• 24 total hours, at least 6 per held line of authority
• At least 3 hours of Connecticut law/regulation OR ethics (either satisfies this carve-out)
• If newly licensed P&C or personal lines on/after April 15, 2026: one-time 3-hour NFIP flood course
• If selling annuities: one-time 4-hour annuity training course
• Life Settlement Broker-only license: 15 hours in Life/Accident & Health/Sickness instead of the standard 24

The bottom line

Connecticut's core 24-hour structure is manageable, but the new flood-training requirement is exactly the kind of narrow, licensing-date-triggered rule that's easy to miss if a producer only checks general 'Connecticut CE requirements' summaries rather than confirming their own license date against the April 15, 2026 effective date directly with the Department.