The continuing education (CE) process for Pennsylvania insurance agents is changing in 2025. If you are licensed in the state, you need to stay updated because meeting CE requirements keeps your license active. At BetterCE, we make it easier to stay compliant with courses that are fully online, either text-based or live webinars.
This article is about the updated CE requirements for Pennsylvania insurance agents in 2025. It covers what has changed, what is required, and how BetterCE helps you stay on track.
General CE Requirements for All Agents
All major lines producers in Pennsylvania must complete 24 credit hours of CE every two years. The two-year compliance period ends on the last day of the licensee’s birth month. These 24 hours are not license-type specific, meaning producers can take any approved courses that meet state guidelines. However, there are now some mandatory topics included in the total.
Pennsylvania now requires:
- 3 credit hours in ethics
- For property and casualty agents, a one-time 2-credit-hour course on flood insurance
These credits count toward the 24-hour total, not in addition to it. Agents holding multiple lines only need to meet the standard 24-hour requirement once per cycle.
Updates From the Pennsylvania Act 142 of 2024
A key reason for the shift in CE expectations is the passing of Act 142 of 2024, which takes full effect 180 days after October 31, 2024. The law includes several major changes that affect both new and renewing licensees.
Here is what is new:
- Prelicensing education is no longer required for applicants. Before, prospective agents needed to complete 24 hours of approved coursework before taking the licensing exam. This requirement has been removed entirely.
- The term “candidate” now refers only to individuals applying to take the licensing exam, regardless of their educational background.
- The new law confirms the mandatory ethics and flood training as part of CE.
These changes aim to remove barriers to entry for individuals considering a career in insurance, especially those who may have been discouraged by upfront education costs. That said, once licensed, agents are still required to complete meaningful and structured CE to maintain their credentials.
Review Special Training Requirements for Certain License Types
Some license types and sales activities require additional one-time training or recurring updates beyond the base CE.
Life and Health Agents
- If an agent plans to sell annuities, they must first complete a 4-hour annuity suitability course that meets the Best Interest Standard.
- Those who sell long-term care (LTC) products need to complete an initial 8-hour LTC training and a 4-hour refresher every compliance period after that.
Property and Casualty Agents
- Agents who want to sell flood insurance must take a one-time 3-hour course approved by the National Flood Insurance Program (NFIP) before doing so.
Public Adjusters and Title Producers
- Public Adjusters must complete 20 hours of CE every two years, including 3 hours in ethics.
- Title Producers follow the standard 24-hour requirement, also with 3 hours in ethics.
BetterCE offers all of these specialized courses as part of our Pennsylvania catalog, ensuring agents have access to exactly what they need.
Plan Your Renewal Timeline Carefully
Pennsylvania insurance licenses renew every two years. Timing is critical, especially if you want to avoid late fees or reinstatement.
Here is how the process works:
- The renewal window opens 60 days before your license expiration date.
- The renewal fee is $55.
- If you miss your deadline, the state allows a 60-day late renewal window with additional fees of $100 ($165 total).
- After 60 days, your license becomes inactive. You may reinstate it up to one year after expiration, starting on day 64 with an additional fee of $100 ($165 total)3
- CE compliance must be completed before your license can be renewed.
- If you fail to reinstate your license within one year from your initial renewal date, your license will be cancelled, and you must re-license.
The NIPR and Sircon platforms both offer online renewal options. Paper applications are accepted but may take up to six weeks to process.
See How BetterCE Makes Compliance Simple
BetterCE removes the stress of license renewal by offering CE courses that are:
- Online and fully mobile-friendly
- Delivered as self-paced, text-based modules or live webinars
- Available with support tools like transcript lookup, compliance alerts, and automated credit reporting
Our system allows you to take chapter quizzes and exams as many times as needed. For courses requiring an exam monitor, we provide clear guidelines and allow any disinterested third party to serve as the proctor. Once your course is complete, credits are reported directly to the Pennsylvania Department of Insurance, often the same day.
You also receive an instant certificate of completion for your records.
If you are due for renewal or need specific training, such as ethics, annuity suitability, flood insurance, or long-term care, we have you covered. Explore our Pennsylvania course catalog, choose your path, and stay on track with confidence.
