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Featured: View of Crater Lake, Oregon- What Are my Oregon insurance license renewal requirements?

What Are My Oregon Insurance License Renewal Requirements?

Posted on 09.27.23

This article will answer your questions about insurance license renewal in Oregon. Using BetterCE’s straightforward, two-step process, you can renew your Oregon insurance license smoothly and easily.

The requirements for renewing your Oregon insurance license are pretty basic. First, make sure you know your license expiration date. In Oregon, insurance licenses expire every two years on the last day of your birth month, biennially. The renewal period begins 90 days prior to the expiration date – so if you are outside of 90 days from your license expiration date, you will not be able to renew your license yet.

If you are unsure of your expiration date or other license information, you can view your license detail, CE Requirements, and balance of earned credits at any time through the Oregon Insurance License Manager, hosted by the NAIC.

Once you know when your license expires, follow these two steps to keep it active:

  1. Complete your Oregon insurance license continuing education requirements.
  2. Submit your renewal application and pay the associated fees before your expiration date.

Callout 1: Man holding large time to renew clock- quote from text about Oregon insurance license renewal period.

Step #1: Complete Your Oregon Insurance License CE Requirements

All major lines licensed agents in Oregon are required to complete 24 credits of continuing education every two years prior to their license expiration date. Of the 24 Credits required, 3 credits must be done in the category of Ethics Training, and 3 must be done in the category of Oregon Law Updates. The remaining requirements are “non-license type specific”: Agents can take courses in any topic as long as they are approved by the Oregon Department of Insurance.

Even if you hold multiple licenses, you will only need to complete a maximum of 24 credit hours. For example, if you hold a property line of licensing as well as a Life insurance license, you only need to complete a maximum of 24 credits.

Special Training Requirements for Oregon Insurance Agents

There are special training requirements for agents selling certain products. These courses count towards your CE Requirements.

Flood Insurance

  • If you are licensed in a property line of authority and will be selling flood insurance, you must complete a one-time, three-hour course related to the National Flood Insurance Program.

Annuity Training

  • If you will be selling, soliciting, or negotiating an annuity product, you will need to complete a one-time, four-hour Annuity Suitability course. You will also need to complete ongoing company-sponsored training on the topic.

Long-Term Care

  • If you will be selling, soliciting, or negotiating a long-term care partnership policy, you must complete an initial 8 Hour Long Term Care training course. Additionally, you are required to complete a four-hour Long Term Care training course every compliance period following.

Besides the 3 hours of Ethics training and 3 hours of Oregon Law Updates, you can take the remaining courses (18 credits) in any subject matter as long as they have been approved by the Oregon Department of Insurance.

Exemptions from CE Requirements

Oregon offers limited exemptions from CE Requirements. Non-Resident Agents are exempt as long as they have met the CE and Renewal Requirements of their home state. An individual insurance producer who is unable to comply with license renewal procedures due to military service or another extenuating circumstance such as long-term medical disability may request a waiver.

Callout 2: Person working at laptop- Step#1: Complete CE requirements- 5 facts

Step #2: Submit Your Oregon Insurance License Renewal Application

Once you have completed all of your CE requirements, you are ready to renew your Oregon insurance license. This must be done prior to your license expiration date and when you are within 90 days of the expiration date.

When you are ready to renew, you can do so through NIPR.com or the Sircon.com portal. The renewal fee for Oregon is $45 total, regardless of the number of major-lines licenses being renewed. Oregon also charges an additional $1 per credit hour “filing fee” that must be collected by the CE provider and remitted when credits are filed.

What Happens if I Miss the Oregon License Renewal Deadline?

If you don’t complete your renewal requirements prior to your license expiration date, your license will become inactive, and you won’t be allowed to conduct insurance business. However, you have up to 2 years to reinstate your license as long as you:

  • Complete your CE requirements and submit your renewal application
  • Pay a $45 reinstatement fee of $45 ($90 total) as well as your $5.60 renewal processing fee

If your license has been inactive for more than two years, you’ll need to complete the full re-application process, including fingerprinting. You’ll also need to pass a licensing exam.

Start Your Oregon License Renewal Continuing Education Now

Even though you have two years to complete your 24 hours of continuing education, it’s always best to start as soon as possible. BetterCE offers all the courses you’ll need to fulfill your requirements. You can view them all in our Oregon Insurance Continuing Education Course Catalog.

If you prefer live instruction, take a look at our catalog of Oregon webinar courses. You won’t have to worry about any final exams when using this course format, and you’ll have the chance to interact with your instructor.

We also offer text-based courses that you can complete anywhere, anytime! When taking quizzes and exams, you can re-test as many times as you need. For added convenience, you can access all of our courses from a web browser or mobile device.

Callout 3: Step#2: Submit your Oregon insurance license renewal application- 4 facts

Completions Reported the Same Day – Fast and Reliable CE Credit Reporting

Unlike most other CE providers, BetterCE offers same-day credit reporting. We report twice daily, so your credits will be submitted to your Department of Insurance within hours of completing your coursework. Keep in mind that it usually takes the Department of Insurance up to 24 hours to process these submissions and make your renewal application available to you. So, we strongly encourage agents to complete their CE requirements at least 2 days in advance of their license expiration date.

Summary of Steps to Keep Your Oregon Insurance License Active

Renewing your Oregon insurance license is an important process. Let’s briefly summarize the steps involved.

  • Determine your license expiration date
  • Determine your continuing education requirements
  • Enroll in courses well in advance of your expiration date
  • Complete your courses
  • Renew your license

Everything you need to renew your Oregon insurance license is available through our website. Should you have any questions, feel free to call our office, where our compliance support professionals will be delighted to assist you.

If your renewal date is approaching, don’t wait until the last minute! Sign up for courses now through BetterCE and experience the most trusted and convenient way to keep your license active.

Get Started Now – Renew Your Oregon Insurance License on Time!!

At BetterCE we’ve proudly helped hundreds of thousands of insurance agents in navigating their licensing requirements and renewal processes. Our commitment to providing affordable, convenient CE solutions is matched only by our reliable, expert support. Join our community of satisfied agents and experience the ease and excellence of BetterCE today!

If you have a question or need help, call 1-888-501-7330 for our customer care team. Then, fill out our Contact Form and get a conversation started with us today!

Featured: Arches National Park, Utah- What Are My Utah Insurance license renewal requirements?

What Are My Utah Insurance License Renewal Requirements?

Posted on 09.06.23

This article will answer your questions about insurance license renewal in Utah. Using BetterCE’s straightforward, two-step process, you can renew your Utah insurance license smoothly and easily.

The requirements for renewing your Utah insurance license are pretty basic. First, make sure you know your license expiration date. In Utah, insurance licenses expire every two years on the last day of your birth month, biennially. The renewal period begins 90 days prior to the expiration date – so if you are outside of 90 days from your license expiration date, you will not be able to renew your license yet.

If you are unsure of your expiration date, or other license information, you can view your license detail, CE Requirements, and balance of earned credits at any time through Sircon, here: Utah Agent Transcript Lookup

Once you know when your license expires, follow these two steps to keep it active:

  1. Complete your Utah insurance license continuing education requirements.
  2. Submit your renewal application and pay the associated fees before your expiration date.

 

Callout 1: Laptop open to webinar call- Quote from text about Utah Insurance license renewal period

 

Step #1: Complete Your Utah Insurance License CE Requirements

All major lines licensed agents in Utah are required to complete 24 credit hours of continuing education every two years prior to their license expiration date. Of the 24 credits required, at least 3 of the credits must be done in courses approved for the category of Ethics Training. Agents can take their remaining courses in any topic as long as they are approved by the Utah Department of Insurance.

Please note that Utah has special requirements regarding the “delivery methods” for courses taken. Of the 24 credits required, a minimum of 12 credits must be taken in “Classroom”, or “Classroom Equivalent” course types.

24 Credits is the maximum you need to complete. Even if you hold multiple licenses, you will only need to complete a maximum of 24 credit hours. For example, if you hold a property line of licensing as well as a Life insurance license, you only need to complete a maximum of 24 credits.

Special Training Requirements for Utah Insurance Agents

There are special training requirements for agents selling certain products. These courses count towards your CE Requirements.

Flood Insurance

  • If you are licensed in a property line of authority and will be selling flood insurance, you must complete a one-time, three-hour course related to the National Flood Insurance Program.

Annuity Training

  • If you will be selling, soliciting, or negotiating an annuity product, you will need to complete a one-time, four-hour Annuity Suitability course. You will also need to complete ongoing company-sponsored training on the topic.

Long-Term Care

  • If you will be selling, soliciting, or negotiating a long-term care partnership policy, you must complete a four-hour Long-Term Care training course. Additionally, you are required to complete a one-hour training course on this topic during each subsequent compliance period.

Besides the 3 hours of Ethics training, you can take the remaining courses (21 credits) in any subject matter as long as they have been approved by the Utah Department of Insurance.

Exemptions from CE Requirements

Utah offers limited exemptions from CE Requirements. Non-Resident Agents are exempt if they meet CE and Renewal Requirements of their home state. Certain licensees, such as those with long-term medical disability, may be exempt from the continuing education requirements to reinstate the license. Licensees who were first licensed before December 31, 1982, may also be exempt from continuing education requirements. Specific industry designations are deemed to have met CE requirements.

To apply for an exemption, attach a current proof of good standing letter for your designation when paying the renewal fee. Then contact Michael Covington at mcovington@utah.gov to inform him of your attached letter.

 

Callout 2: Class lecture concept- Step#1: complete your Utah insurance license CE requirements- 4 facts.

 

Step #2: Submit Your Utah Insurance License Renewal Application

Once you have completed all of your CE requirements, you are ready to renew your Utah insurance license. This must be done prior to your license expiration date and when you are within 90 days of the expiration date.

When you are ready to renew, you can do so through NIPR.com or the Sircon.com portal. The renewal fee for Utah is $75 for both single line of authority license and a combination license with two or more lines of authority.

What Happens if I Miss the Utah License Renewal Deadline?

If you don’t complete your renewal requirements prior to your license expiration date, your license will become inactive, and you won’t be allowed to conduct insurance business. However, you have up to 2 years to reinstate your license as long as you:

  • Complete your CE requirements and submit your renewal application
  • Pay a $50 reinstatement fee as well as your $5.60 renewal processing fee

If your license has been inactive for more than two years, you’ll need to complete the full re-application process, including fingerprinting. You’ll also need to pass a licensing exam.

Start Your Utah License Renewal Continuing Education Now

Even though you have two years to complete your 24 hours of continuing education, it’s always best to start as soon as possible. BetterCE offers all the courses you’ll need to fulfill your requirements. You can view them all in our Utah Insurance Continuing Education Course Catalog.

If you prefer live instruction, take a look at our catalog of Utah webinar courses. You won’t have to worry about any final exams when using this course format, and you’ll have the chance to interact with your instructor.

We also offer text-based courses that you can complete anywhere, anytime! When taking quizzes and exams, you can re-test as many times as you need. For added convenience, you can access all of our courses from a web browser or mobile device.

 

Callout 3: Step#2: submit your Utah insurance license renewal application- 3 facts.

 

Completions Reported the Same Day – Fast and Reliable CE Credit Reporting

Unlike most other CE providers, BetterCE offers same-day credit reporting. We report twice daily, so your credits will be submitted to your Department of Insurance within hours of completing your coursework. Keep in mind that it usually takes the Department of Insurance up to 24 hours to process these submissions and make your renewal application available to you. So, we strongly encourage agents to complete their CE requirements at least 2 days in advance of their license expiration date.

Summary of Steps to Keep Your Utah Insurance License Active

Renewing your Utah insurance license is an important process. Let’s briefly summarize the steps involved.

  • Determine your license expiration date
  • Determine your continuing education requirements
  • Enroll in courses well in advance of your expiration date
  • Complete your courses
  • Renew your license

Everything you need to renew your Utah insurance license is available through our website. Should you have any questions, feel free to call our office, where our compliance support professionals will be delighted to assist you.

If your renewal date is approaching, don’t wait until the last minute! Sign up for courses now through BetterCE and experience the most trusted and convenient way to keep your license active.

Get Started Now – Renew Your Utah Insurance License on Time!!

At BetterCE, we’ve proudly helped hundreds of thousands of insurance agents navigate their licensing requirements and renewal processes. Our commitment to providing affordable, convenient CE solutions is matched only by our reliable, expert support. Join our community of satisfied agents and experience the ease and excellence of BetterCE today!

If you have a question or need help, call 1-888-501-7330 for our customer care team. Then, fill out our Contact Form and get a conversation started with us today!”

Featured: Map of Oklahoma- What are my Oklahoma Insurance license renewal requirements?

What Are My Oklahoma Insurance License Renewal Requirements?

Posted on 08.22.23

This article will answer your questions about insurance license renewal in Oklahoma. Using BetterCE’s straightforward, two-step process, you can renew your Oklahoma insurance license smoothly and easily.

The requirements for renewing your Oklahoma insurance license are pretty basic. First, make sure you know your license expiration date. In Oklahoma, insurance licenses expire every two years on the last day of your birth month, biennially. The renewal period begins 90 days prior to the expiration date – so if you are outside of 90 days from your license expiration date, you will not be able to renew your license yet.

If you are unsure of your expiration date or other license information, you can view your license detail, CE Requirements, and balance of earned credits at any time through the Oklahoma Insurance Department’s online portal.

Once you know when your license expires, follow these two steps to keep it active:

  1. Complete your Oklahoma insurance license continuing education requirements.
  2. Submit your renewal application and pay the associated fees before your expiration date.

Callout 1: Blue Webinar key on keyboard- Step#1: complete your Oklahoma insurance license CE requirements - 5 listed.

Step #1: Complete Your Oklahoma Insurance License CE Requirements

All Major Lines Licensed Insurance Agents in Oklahoma are required to complete 24 credits of continuing education (CE) every 2 years before their license expires. Of the 24 required credits, at least 3 must be in the category of Ethics Training, and 2 must be in Oklahoma Legislative Updates. The remaining credits (non-license specific) can be taken in any approved subject matter.

Major Lines include: Life, Accident and Sickness, Property, Casualty, and Personal Lines. Agents with multiple lines of licensing have the same requirements as agents with single lines. You only need to complete 24 credit hours of CE if even if you hold multiple lines of licensing.

Special Training Requirements for Oklahoma Insurance Agents

There are special training requirements for agents selling long-term care, annuity, and flood insurance. These courses will generally apply towards your CE requirements if taken from an approved CE provider.

Annuity Training

Any Oklahoma life insurance agent who sells, solicits, or negotiates an annuity product must complete a one-time, 4-hour Annuity Suitability course prior to selling.

Long Term Care

Oklahoma insurance agents may not sell, solicit, or negotiate a Long-Term Care policy unless the individual has completed an initial 8-hour Long Term Care training course. Agents must also complete ongoing training consisting of a 4-hour Long Term Care training course every compliance period following.

CE Exemptions and Reductions

There are limited exemptions from CE Requirements for some Oklahoma insurance agents.

Non-Resident Agents are exempt as long as they have met the CE and Renewal Requirements of their home State where they hold their license. Limited lines producers and Members of the Legislature are exempt from CE Requirements.

Course Repeat Restrictions

Agents will not receive credit for the same course taken within two years from the last completion date.

Carryover Credits

A maximum of 6 excess credits taken of the 24 credit requirements can be carried over to future renewal periods.

Late Renewal and Reinstatements

Agents can renew up to 3 days past the expiration date through the Oklahoma Insurance License Renewal app at NIPR.  After 3 days, the licensee must reinstate or reapply through the initial license application for up to one year. The original renewal fee of $60 as well as a late fee of $60 must be submitted with the application. After one year, the licensee must retest with pre licensing courses and relicense.

Callout 2: Step#2: Submit your Oklahoma insurance license renewal application- 3 facts listed.

Step #2: Submit Your Oklahoma Insurance License Renewal Application

Once you have completed all of your CE requirements, you are ready to renew your Oklahoma insurance license. This must be done prior to your license expiration date and when you are within 90 days of the expiration date.

When you are ready to renew, you can do so through NIPR.com or the Sircon.com. The renewal fee for Oklahoma is $60 for a producer license. 

What Happens if I Miss the Oklahoma License Renewal Deadline?

If you don’t complete your renewal requirements prior to your license expiration date, it will render your license inactive, and you won’t be allowed to conduct insurance business. However, you have up to 1 year to reinstate your license as long as you:

  • Complete your CE requirements and submit your renewal application
  • Pay a $60 renewal fee + a $60 reinstatement fee as well as your $5.60 renewal processing fee.

If your license has been inactive for more than one year, you’ll need to complete the full re-application process, including fingerprinting. You’ll also need to pass a licensing exam.

Start Your Oklahoma License Renewal Continuing Education Now

Even though you have two years to complete your 24 hours of continuing education, it’s always best to start as soon as possible. BetterCE offers all the courses you’ll need to fulfill your requirements. You can view them all in our Oklahoma Insurance Continuing Education Course Catalog.

If you prefer live instruction, take a look at our catalog of Oklahoma webinar courses. You won’t have to worry about any final exams when using this course format, and you’ll have the chance to interact with your instructor.

We also offer text-based courses that you can complete anywhere, anytime! When taking quizzes and exams, you can re-test as many times as you need. For added convenience, you can access all of our courses from a web browser or mobile device.

Callout 3: What happens if I miss the Oklahoma license renewal deadline? - 4 facts listed.

Completions Reported the Same Day – Fast and Reliable CE Credit Reporting

Unlike most other CE providers, BetterCE offers same-day credit reporting. We report twice daily, so your credits will be submitted to the Oklahoma Insurance Department within hours of completing your coursework. Keep in mind that it usually takes the Insurance Department up to 24 hours to process these submissions and make your renewal application available to you. So, we strongly encourage agents to complete their CE requirements at least 2 days in advance of their license expiration date.

Summary of Steps to Keep Your Oklahoma Insurance License Active

Renewing your Oklahoma insurance license is an important process. Let’s briefly summarize the steps involved.

  • Determine your license expiration date
  • Determine your continuing education requirements
  • Enroll in courses well in advance of your expiration date
  • Complete your courses
  • Renew your license

Everything you need to renew your Oklahoma insurance license is available through our website at BetterCE.com. Should you have any questions, feel free to call our office, where our compliance support professionals will be delighted to assist you.

If your renewal date is approaching, don’t wait until the last minute! Sign up for courses now through BetterCE and experience the most trusted and convenient way to keep your license active.

Get Started Now – Renew Your Oklahoma Insurance License on Time!!

At BetterCE, we’ve proudly helped hundreds of thousands of insurance agents in navigating their licensing requirements and renewal processes. Our commitment to providing affordable, convenient CE solutions is matched only by our reliable, expert support. Join our community of satisfied agents and experience the ease and excellence of BetterCE today!

If you have a question or need help, call 1-888-501-7330 for our customer care team. Then, fill out our Contact Form and get a conversation started with us today!

Featured: Louisiana map- What Are My Louisiana Insurance License Renewal Requirements?

What Are My Louisiana Insurance License Renewal Requirements?

Posted on 08.02.23

This article will answer your questions about insurance license renewal in Louisiana. Using BetterCE’s straightforward, two-step process, you can renew your Louisiana insurance license smoothly and easily.

The requirements for renewing your Louisiana insurance license are pretty basic. First, make sure you know your license expiration date. In Louisiana, insurance licenses expire every two years on the last day of your birth month, biennially. The renewal period begins 60 days prior to the expiration date – so if you are outside 60 days from your license expiration date, you will not be able to renew your license yet. 

If you are unsure of your expiration date, or other license information, you can view your license detail, CE Requirements, and balance of earned credits at any time through the Louisiana Insurance Industry Access Portal. 

Once you know when your license expires, follow these two steps to keep it active:

  1. Complete your Louisiana insurance license continuing education requirements.
  2. Submit your renewal application and pay the associated fees before your expiration date.

Callout 1: Two facts about Louisiana insurance license expiration date and renewal period.

Step #1: Complete Your Louisiana Insurance License CE Requirements

All major lines licensed agents in Louisiana are required to complete 24 credit hours of continuing education every two years prior to their license expiration date. Of the 24 required credits, at least 3 must be done in courses approved for the category of Ethics Training. Major lines include agents licensed to sell life, accident and sickness, property, casualty, and personal lines.

Even if you hold multiple licenses, you will only need to complete a maximum of 24 credit hours. For example, if you hold a property line of licensing and a Life insurance license, you only need to complete a maximum of 24 credits.

Special Training Requirements for Louisiana Insurance Agents

There are special training requirements for agents selling long-term care, annuity, and flood insurance. These courses will generally apply towards your CE requirements if taken from an approved CE provider.

Flood Insurance

  • If you are licensed in a property line of authority and will be selling flood insurance, you must complete a one-time, three-hour course related to the National Flood Insurance Program.

Annuity Training

  • If you will be selling, soliciting, or negotiating an annuity product, you will need to complete a one-time, four-hour Annuity Suitability course. You will also need to complete ongoing company-sponsored training on the topic.

Long Term Care

  • If you are selling, soliciting, or negotiating a long-term care partnership policy, you must complete a four-hour Long Term Care training course. Additionally, you are required to complete a one-hour training course on this topic during each subsequent compliance period.

Besides the 3 hours of Ethics training, you can take the remaining courses (21 credits) in any subject matter as long as the Louisiana Department of Insurance has approved them. 

Exemptions from CE Requirements

Louisiana offers certain exemptions from having to complete your CE requirements. You can be exempted from CE requirements if you are 65 or older and have a minimum of 15 years of experience. However, this exemption does not apply to adjusters or for exemptions from Long-Term Care training requirements. You must submit a 65A Exemption Form to request this exemption.

Callout 2:: Step #1: Complete your Louisiana insurance license Ce requirements: four facts

Step #2: Submit Your Louisiana Insurance License Renewal Application

Once you have completed your CE requirements, you are ready to renew your Louisiana insurance license. This must be done prior to your license expiration date and when you are within 60 days of the expiration date.

When you are ready to renew, you can do so through NIPR.com or the Louisiana Industry Access Portal. The renewal fee for Louisiana is $50 for a single line of authority license and $55 for a combination license with two or more lines of authority.

What Happens if I Miss the Louisiana License Renewal Deadline?

If you don’t complete your renewal requirements prior to your license expiration date, it will render your license inactive, and you won’t be allowed to conduct insurance business. However, you have up to 2 years to reinstate your license as long as you:

  • Complete your CE requirements and submit your renewal application
  • Pay a $50 reinstatement fee as well as your $5.60 renewal processing fee

If your license has been inactive for more than two years, you’ll need to complete the entire re-application process, including fingerprinting. You’ll also need to pass a licensing exam.

Start Your Louisiana License Renewal Continuing Education Now

Even though you have two years to complete your 24 hours of continuing education, starting as soon as possible is always best. BetterCE offers all the courses you’ll need to fulfill your requirements. You can view them all in our Louisiana Insurance Continuing Education Course Catalog.

If you prefer live instruction, look at our catalog of Louisiana webinar courses. You won’t have to worry about any final exams when using this course format, and you’ll have the chance to interact with your instructor.

We also offer text-based courses that you can complete anywhere, anytime! When taking quizzes and exams, you can re-test as many times as you need. For added convenience, you can access our courses from a web browser or mobile device.

Differences Between Webinar Courses and Traditional Online Courses

Callout 3: Step#2: Submit your Louisiana license renewal application- four facts

Completions Reported the Same Day – Fast and Reliable CE Credit Reporting

Unlike most other CE providers, BetterCE offers same-day credit reporting. We report twice daily, so your credits will be submitted to your Department of Insurance within hours of completing your coursework. Keep in mind that it usually takes the Department of Insurance up to 24 hours to process these submissions and make your renewal application available to you. So, we strongly encourage agents to complete their CE requirements at least two days before their license expiration date.

Summary of Steps to Keep Your Louisiana Insurance License Active

Renewing your Louisiana insurance license is an important process. Let’s briefly summarize the steps involved.

  • Determine your license expiration date
  • Determine your continuing education requirements
  • Enroll in courses well in advance of your expiration date
  • Complete your courses
  • Renew your license

Everything you need to renew your Louisiana insurance license is available through our website. Should you have any questions, feel free to call our office, where our compliance support professionals will be delighted to assist you.

If your renewal date is approaching, don’t wait until the last minute! Sign up for courses now through BetterCE and experience the most trusted and convenient way to keep your license active.

Get Started Now – Renew Your Louisiana Insurance License on Time!!

At BetterCE we’ve proudly helped hundreds of thousands of insurance agents in navigating their licensing requirements and renewal processes. Our commitment to providing affordable, convenient CE solutions is matched only by our reliable, expert support. Join our community of satisfied agents and experience the ease and excellence of BetterCE today!

If you have a question or need help, call 1-888-501-7330 for our customer care team. Then, fill out our Contact Form and get a conversation started with us today!

Featured: Arkansas map- What are my Arkansas insurance license renewal requirements?

What Are My Arkansas Insurance License Renewal Requirements?

Posted on 07.28.23

This article will answer your questions about insurance license renewal in Arkansas. Using BetterCE’s straightforward, two-step process, you can renew your Arkansas insurance license smoothly and easily.

The requirements for renewing your Arkansas insurance license are pretty basic. First, make sure you know your license expiration date. It will be the last day of your birth month every two years. Your CE and renewal requirements must be fulfilled on or before this date during each biennial period. Your renewal period starts 90 days before your expiration date.

Arkansas agents can view their license information, CE Requirements, and balance of earned credits at any time through NIPR, located here: Arkansas Agent License Information.

Once you know when your license expires, follow these two steps to keep it active:

  1. Complete your Arkansas insurance license continuing education requirements.
  2. Submit your renewal application and pay the associated fees before your expiration date.

Callout 1: Time to renew words over green clock- basic requirements for renewing Arkansas insurance license- 5 facts.

Step #1: Complete Your Arkansas Insurance License CE Requirements

All major lines licensed agents in Arkansas are required to complete 24 credit hours of continuing education every two years prior to their license expiration date. Of the 24 credits required, at least 3 of the credits must be done in courses approved for the category of Ethics Training. Major lines are agents licensed to sell: life, accident and sickness, property, casualty, and personal lines. 

Even if you hold multiple licenses, you will only need to complete a maximum of 24 credit hours. For example, if you hold a Property line of licensing and a Life insurance license, you only need to complete a maximum of 24 credits. 

Special Training Requirements

There are special training requirements for agents selling long-term care, annuity, and flood insurance. These courses will generally apply towards your CE requirements if taken from an approved CE provider. 

Flood Insurance 

  • If you are licensed in a property line of authority and will be selling flood insurance, you must complete a one-time, three-hour course related to the National Flood Insurance Program.

Annuity Training

  • If you will be selling, soliciting, or negotiating an annuity product, you will need to complete a one-time, four-hour Annuity Training course. You will also need to complete ongoing company-sponsored training on the topic.

Long-Term Care

  • If you are selling, soliciting, or negotiating a long-term care partnership policy, you must complete an initial 8-hour Long Term Care training course. You must also complete a 4-hour training course on this topic during each following compliance period.

Besides the 3 hours of ethics training, you can take the remaining courses (21 credits) in any subject matter as long as the Arkansas Department of Insurance has approved them. 

Callout 2: Step 1: complete CE requirements- 2 facts with details

Step #2: Submit Your Arkansas Insurance License Renewal Application

Once you have completed all of your CE requirements, you are ready to renew your Arkansas insurance license. This must be done prior to your license expiration date, but not before your license renewal period, which starts 90 days before your license expiration date.

When you are ready to renew, you can do so through NIPR Arkansas License Renewal or Sircon License Renewal. The renewal fee for Arkansas is $70 total, regardless of the number of major-lines licenses being renewed.

Callout 3: Green clock background- Step 2- submit renewal application- 3 facts

What Happens if I Don’t Complete My Arkansas License Renewal on Time?

If you don’t complete your renewal requirements prior to your license expiration date, your license will be suspended, and you are prohibited from transacting insurance business. However, you can still reinstate your license, but the time frame depends on how long you wait. You have up to 90 days to reinstate as long as you:

  • Complete your CE requirements and submit your renewal application
  • Pay a $70 reinstatement fee as well as your $4 or $5 renewal processing fee

Arkansas agents must also pay a CE Late Fees, based on the length of time late completion of CE Requirements: 

0-30 days: $50 

31-60 days: $50

61-90 days: $100

91-365 days: $150

Failure to complete the above process within a 90-day period, will result in the termination of your appointments. You will have up to one year to complete the following steps:

  • Apply for reinstatement using the initial license application form (you’ll be  allowed to skip some of the steps)
  • Pay an $80 application fee and a $70 reinstatement fee
  • Complete your CE requirements
  • Re-establish your company appointments

If you exceed one year, there’s still a chance to reinstate your license within four years. You must fulfill all requirements above and undergo re-fingerprinting.

If your license has been terminated for over four years, you’ll need to complete the full re-application process, including fingerprinting. You’ll also need to pass a licensing exam.

Now Is the Time to Start Your Arkansas License Renewal Continuing Education

Even though you have two years to complete your 24 hours of continuing education, it’s always best to start as soon as possible. BetterCE offers all the courses you’ll need to fulfill your requirements. You can view them all in our Arkansas Insurance Continuing Education Course Catalog.

If you prefer live instruction, take a look at our catalog of Arkansas webinar courses. You won’t have to worry about any final exams when using this course format, and you’ll have the chance to interact with your instructor.

We also offer text-based courses that you can complete anywhere, anytime! When taking quizzes and exams, you can re-test as many times as you need. For added convenience, you can access all of our courses from a web browser or mobile device.

Differences Between Webinar Courses and Traditional Online Courses

Callout 4: BetterCe offers all required courses- live instruction webinars - text based courses

Completions Reported the Same Day

Unlike most other CE providers, BetterCE offers same-day credit reporting. We report twice daily, so your credits will be submitted to your department of insurance within hours of completing your coursework.  Keep in mind that it usually takes the department of insurance up to 24 hours to process these submissions and make your renewal application available to you. So, we strongly encourage agents to complete their CE requirements at least 28 hours in advance of their license expiration date.

Summary of Steps to Keep Your Arkansas Insurance License Active

Renewing your Arkansas insurance license is an important process. Let’s briefly summarize the steps involved.

  • Determine your license expiration date
  • Determine your continuing education requirements
  • Enroll in courses well in advance of your expiration date
  • Complete your courses
  • Renew your license

Everything you need to renew your Arkansas insurance license is available through our website. Should you have any questions, feel free to call our office, where our compliance support professionals will be delighted to assist you.

If your renewal date is approaching, don’t wait until the last minute! Sign up for courses now through BetterCE and experience the most trusted and convenient way to keep your license active.

Get Started Today and Renew Your Arkansas Insurance License on Time!

At BetterCE we’ve proudly helped thousands of insurance agents navigate their licensing requirements and renewal processes. Our commitment to providing affordable, convenient CE solutions is matched only by our reliable, expert support. Join our community of satisfied agents and experience the ease and excellence of BetterCE today!

If you have a question or need help, call 1-888-501-7330 for our customer care team. Then, fill out our Contact Form and get a conversation started with us today!”

Featured: Map of Alabama- What are the late fees and penalties if I don't renew my Alabama insurance license on time?

What Are the Late Fees and Penalties if I Don’t Renew My Alabama Insurance License on Time?

Posted on 07.24.23

The insurance business is fast-paced, and time seems to fly when you’re a busy agent. But your Alabama insurance license doesn’t stay valid forever. Before you know it, it’s time to start working on your renewal requirements for the next compliance period. 

Continuing education isn’t just necessary to meet your state’s requirements and keep your license valid. Studying for the Alabama insurance license exam taught you a lot about the world of insurance, but there’s always more to learn. Your CE courses are a wonderful opportunity to explore things you didn’t know about insurance – or brush up on key information that impacts your day-to-day work.

When choosing a CE provider, helpful support is one of the top features you should look for. BetterCE has specialists on hand by phone to answer all your questions about your Alabama insurance license. We don’t just offer convenient web-based CE courses – we also support you every step of the way as you work towards license renewal. In this article, we’ll answer your questions about what happens if you don’t renew your Alabama insurance license on time. Of course, prevention is the best cure – so we’ll also take a look at how BetterCE can help you avoid those late fees and penalties in the first place.  

Callout 1: Person's hand working at laptop keyboard- Better CE's mission quote from text

Renewing Your Alabama Insurance License

If you renew on time, you’ll never have to worry about fees and penalties. Let’s start with the essential facts about insurance license renewal in your state.

Approved CE Courses: An Essential Requirement

According to the Alabama Department of Insurance, you can complete your CE requirements in one of four ways:

  • Classroom learning
  • Self-study courses
  • Online instruction
  • Seminars

Of course, web-based self-study courses and live online meetings can be completed online.  BetterCE’s mission is to make your life easier. We do this by offering knowledgeable support and bringing you CE courses in convenient online formats.

When to Complete Your CE Coursework

During each biennial period, you’ll need to complete 24 credit hours of CE coursework. Your license expires every two years on the last day of the month in which you were born. You’ll need to renew it by this date to remain in compliance.

How Alabama Defines “Major Lines”

The guidelines we’ve discussed apply to agents who transact business in major lines of insurance. Not every state defines this term in the same way. Alabama considers “major lines” to include the following: 

  • Life 
  • Health
  • Property
  • Casualty
  • Personal lines
  • Variable life and variable annuity

Which Courses to Take for Alabama Insurance License Renewal

Alabama offers you the flexibility to take courses that interest you. However, you do need to take 3 of your required 24 hours in Ethics. Also, be sure to choose a reputable CE provider that’s approved by the Alabama Department of Insurance.

If  you work with flood insurance, annuity products, or long-term care insurance, you’ll also have some specific CE requirements to fulfill.

Where to Start the License Renewal Process

Once you’ve completed your CE Requirements and are within 90 days of your license expiration date, you are eligible to renew your license. You can do so through either NIPR or Sircon. Both are approved vendors for the Alabama Department of Insurance, as well as the vast majority of other states.  

Callout 2: Person working at laptop- Important facts about completing CE coursework for license renewal

Questions Agents Ask About License Renewal in Alabama

License renewal guidelines might look straightforward enough on paper. But once you start the renewal process, you’re likely to have some questions. That’s why BetterCE has experienced customer support agents on hand to help you. Let’s look at some common questions asked by Alabama insurance agents.

Can I “Work Ahead” for the Next Renewal Period?

As of January 1, 2013, Alabama no longer allows you to carry over CE credits from one compliance period to the next. 

Could I Be Exempted From CE Requirements?

Alabama designates several situations which quality for exemptions:

Limited license exemptions

If your license is limited to producing only insurance in one of these categories, you won’t need to take any CE coursework:

  • Credit 
  • Rental vehicle 
  • Crop 
  • Portable electronics 
  • Travel or motor club 
  • Dental or legal services

Non-resident exemptions

If you live out of state, you’ll need to determine whether your state recognizes reciprocity with Alabama’s CE requirements. If it does, then you can use the requirements of your home state to meet those for Alabama. However, if not, you must meet the Alabama requirements.

Newly licensed individuals

If you’re a newly licensed service representative or producer, you won’t need to fulfill CE requirements within the first 12 months. 

Can I Take the Same Course Twice and Receive Credit?

You cannot get credit for taking the same course in any reporting period more than once.

How Can I Find out How Many CE Credits I already Have?

Records are kept by the National Association of Insurance Commissioners. You can

visit their website and view your current CE transcript.  

Callout 3: What happens when you don't renew on time? - 4 facts

What Happens When You Don’t Renew On Time

Like most states, Alabama charges routine fees for license renewal. For example, adjusters can expect to pay an $80 biennial renewal fee, and producers will pay $70. However, if you don’t complete your CE requirements and renew on time, you’ll have a 30-day grace period. During this time, you can renew your license for the normal fee, plus an extra $50.

What if you miss this grace period? Your license will be considered “inactive”, but you’ll still have 12 months from the date your license expired in which to complete your CE and renewal application. However, you will now have to pay twice the renewal fee ($140 total). 

Why So Many Agents End Up Paying Late Fees and Penalties

No one wants to pay extra fees, but it happens all the time. Why? Sometimes, life gets in the way. Some agents simply forget about their upcoming license expiration. Others have to deal with a personal crisis that keeps them from finishing CE requirements on time. But, in many cases, your choice of CE provider can impact how likely you are to pay late fees. Let’s consider a couple of reasons why choosing the wrong provider could end up costing you.

Unrealistic Course Expectations

Some CE providers don’t seem to understand how busy your life really is. Many agents fail to complete their CE requirements on time because they couldn’t keep up with the provider’s rigid expectations. BetterCE designs courses to fit into your lifestyle. All of our Alabama insurance continuing education courses can be completed online, and our choice of webinars or text-based courses offers maximum flexibility.  

Callout 4: Professional male taking course on laptop- why agents end up paying late fees and penalties- 2 reasons

Failure to Report CE Completion

Once you’ve completed your required coursework, you depend on your CE provider to accurately report your hours. Working with a provider that doesn’t take compliance seriously can be a big mistake. BetterCE offers same day reporting, so you’ll never have to wonder when your credits will be updated. We’ll send you an email with a link to your transcript for verification after you complete each course.

Remember To Renew On Time With BetterCE – And Forget About Late Fees and Penalties!

Wondering what it’s like to take courses with BetterCE? Our demo can give you a feel for what to expect. Our thousands of satisfied customers can also tell you more about us when you read our testimonials. Call us at 1-888-501-7330, or fill out our Contact Form and get ready for a convenient, stress-free CE experience.

Featured: Map of Kansas- What are my Kansas insurance license renewal requirements

What Are My Kansas Insurance License Renewal Requirements?

Posted on 07.19.23

This article will answer your questions about insurance license renewal in Kansas. Using BetterCE’s straightforward, two-step process, you can renew your Kansas insurance license smoothly and easily.

The requirements for renewing your Kansas insurance license are pretty basic. First, make sure you know your expiration date. It will be the last day of your birth month, every two years. If you were born in an odd-numbered year, your expiration date will be on odd years. Agents born in even years will have their expiration dates occur on even years. Your CE and renewal requirements must be fulfilled on or before this date during each biennial period. Your renewal period starts 90 days before your expiration date.

Once you know when your license expires, follow these two steps to keep it active:

  1. Complete your Kansas insurance license continuing education requirements.
  2. Submit your renewal application and pay the associated fees before your expiration date

Callout 1: Person sitting at laptop taking a webinar course- Know your expiration date- 2 facts

Step #1: Complete Your Kansas Insurance License CE Requirements

All major lines licensed agents in Kansas are required to complete eighteen credit hours of continuing education during each biennial period. Major lines are agents licensed to sell: life, health, property, casualty, or personal lines. In all cases you will need at least three credit hours in Ethics.

Even if you hold multiple licenses, you will only need to complete a maximum of eighteen credit hours. 

There are special training requirements for agents selling long-term care, annuity, and flood insurance.

  • If you are licensed in a property line of authority and will be selling flood insurance, you must complete a one-time, three hour course related to the National Flood Insurance Program. 
  • If you will be selling, soliciting or negotiating an annuity product, you will need to complete a one-time, four-hour Annuity Suitability course. You will also need to complete ongoing company-sponsored training on the topic.
  • If you will be selling, soliciting or negotiating a long-term care partnership policy, you must complete a four-hour Long Term Care training course. You must also complete a one-hour training course on this topic during each following compliance period.

Besides the 3 hours  of Ethics training, you may take the remaining courses in any subject matter as long as they have been approved by the Kansas Department of Insurance.

You can be exempted from CE requirements if you hold a life insurance license but only sell pre-need policies. You’ll need to affirm that you didn’t conduct any other insurance business transactions within your 2-year renewal period by submitting a Pre-Need Insurance Producer Biennial Affirmation form.

Kansas agents can view their license information, CE Requirements, and balance of earned credits at any time through NIPR, located here: Kansas Agent License Information

Callout 2: Step#1- complete your Kansas insurance license CE requirements- 3 facts

Step #2: Submit Your Kansas Insurance License Renewal Application 

Once you have completed all of your CE requirements, you are ready to renew your Kansas insurance license. This must be done prior to your license expiration date, but not before your license renewal period, which starts 90 days before your license expiration date.

When you are ready to renew, you can do so through NIPR Kansas License Renewal, or Sircon License Renewal. There are no renewal fees for Kansas insurance agents, but you will be charged a processing fee of either $4 or $5 depending upon which service you use. 

Callout 3- Close-up of hand tapping on keyboard- Step#2- submit your Kansas insurance license renewal application- 3 facts.

So What Happens if I Don’t Complete My Kansas License Renewal on Time? 

If you don’t complete your renewal requirements prior to your license expiration date, your license will be suspended and you are prohibited from transacting insurance business. You can still have your license reinstated, but it depends on how long you wait. You have up to 90 days to reinstate, as long as you:

  • Complete your CE requirements and submit your renewal application
  • Pay a $100 reinstatement fee as well as your $4 or $5 renewal processing fee

If you don’t complete the above process within a 90-day period, your appointments will be terminated and you will have up to one year to complete the following steps:

  • Apply for reinstatement using the initial license application form (you’ll be allowed to skip some of the steps)
  • Pay an $80 application fee and a $100 reinstatement fee
  • Complete your CE requirements
  • Re-establish your company appointments

If you wait beyond one year, you still have up to 4 years to have your license reinstated. You will need to meet all of the requirements above, plus re-fingerprint. 

If your license has been terminated for over four years, you’ll need to complete the full re-application process, including fingerprinting. You’ll also need to pass a licensing exam.

Now Is the Time to Start Your Kansas License Renewal Continuing Education

Even though you have two years to complete your eighteen hours worth of continuing education, it’s always best to start as soon as possible. BetterCE offers all the courses you’ll need to fulfill your requirements. You can view them all in our Kansas Insurance Continuing Education Course Catalog.

If you prefer live instruction, take a look at our catalog of Kansas webinar courses. You won’t have to worry about any final exams when using this course format, and you’ll have the chance to interact with your instructor. 

We also offer text-based courses that you can complete anywhere, anytime! When taking quizzes and exams, you can re-test as many times as you need. For added convenience, you can access all of our courses from a web browser or mobile device.   

Callout 4: Quote from text about renewal requirements not completed prior to expiration date.

Completions Reported the Same Day

At BetterCE, we offer same day reporting. This means your State Regulator will have documentation that you’ve completed coursework, as soon as you’ve finished it.

Summary of Steps to Keep Your Kansas Insurance License Active

Renewing your Kansas insurance license is an important process. Let’s briefly summarize the steps involved.

  • Determine your license expiration date
  • Determine your continuing education requirements
  • Enroll in courses well in advance of your expiration date
  • Complete your courses
  • Renew your license

Everything you need to renew your Kansas insurance license is available through our website. If you have questions, call our office, and our compliance support professionals are here to help you.

If your renewal date is approaching, don’t wait until the last minute! Sign up for courses now through BetterCE and experience the most trusted and convenient way to keep your license active.

Get Started Today and Renew Your Kansas Insurance License on Time!

At BetterCE, we’ve helped hundreds of thousands of insurance agents navigate their licensing requirements and renewal processes. We offer affordable, convenient CE solutions and reliable, expert support. 

If you have a question or need help, call 1-888-501-7330 for our customer care team. Then, fill out our Contact  Form and get a conversation started with us today!

Featured: St. Louis Missouri park view - What are the late fees and penalties if I don't renew my Missouri insurance license on time?

What Are The Late Fees and Penalties if I Don’t Renew My Missouri Insurance License on Time?

Posted on 05.29.23

Is it worthwhile to sell insurance in Missouri? It can be hard work, but the rewards are definitely worth it. You’ll have to meet some basic requirements, of course, like being 18 years old and having a clean criminal record. You’ll also have to work hard to pass your initial licensing exam and pay the fees required to get your Missouri insurance license.

However, the hard work can really pay off. Even as a first-year insurance agent, you can make a significant income despite your relatively low level of experience. In this field, a lot of your success comes down to the hard work you’re willing to put in since much of your income is commission based.

BetterCE is dedicated to making your life as an insurance agent easier. When you’re approaching deadlines for insurance license renewal, things can feel overwhelming. It can be hard to make time for continuing education requirements, or even keep track of what needs to be completed when. After all, you’re busy selling insurance! We’ve put together a guide to insurance license renewal in Missouri to make things a bit easier. Keep reading to learn more about this important process and how to complete it.

Callout 1: Person at desk taking notes in front of laptop- How do you know what to look for in a continuing education provider? three BetterCE benefits

How Much Will My Continuing Education Courses Cost?

Renewing your Missouri insurance license and avoiding late fees and penalties will require you to take continuing education courses during each renewal period. This could potentially be an expensive requirement, depending on your CE provider.

Course pricing variations are part of what makes your choice of providers so important. The good news is that BetterCE offers affordable options that won’t break the bank. For example:

  • Our Flood Insurance Overview is only $14.95
  • Our Multi-Line 16-credit package approved for Missouri agents is only $44.95
  • Our Anti-Money Laundering Course is only $13.50

Over time, the cost of continuing education coursework can really add up. BetterCE helps keep things under control.

Missouri Insurance Continuing Education Courses

What Are My Options for Continuing Education Coursework?

When it’s time to complete your continuing education requirements, you should seek a provider that cares about your success. Choosing the wrong provider can lead to fees and penalties you never thought you’d have to pay.

You can choose from various course formats, including webinars and asynchronous courses. But how do you know what to look for in a company?

What Is a Webinar and Why Does It Work Great for Insurance CE?

Is the Provider’s Team Available to Help Me?

What if you have questions about Missouri insurance license renewal? If you’re unsure about which courses to take or whether any exemptions might apply to you, BetterCE has professionals available to help.

Callout 2: Quote from text about Missouri insurance licensing guidelines

Will the Coursework Fit Into My Busy Lifestyle?

Who wants to be stuck spending long hours glued to a screen? Ever taken a CE course that made you take excessive final exams or quizzes throughout the whole process? It’s important that your provider offers course formats that work for you. The good news is that BetterCE offers a variety of course options that are sure to fit into your lifestyle, without creating frustration or wasting your time.

Does the Provider Actually Care About Compliance?

If you take your CE courses through a provider who isn’t committed to your success, you could end up paying the price. Some providers take their time to report your course completion. BetterCE won’t leave you hanging. As soon as you finish the course, we report on the same day. Then, we send you an email with a link to your Sircon transcript.

Selecting the Right Coursework for Missouri Insurance License Renewal

Don’t waste your time taking the wrong CE coursework—make sure you know the requirements first. One of the most important things to know about Missouri licensing guidelines is that your CE requirements are license-type specific. In some states, you can take coursework on any topic for any type of license. But in Missouri, you must take courses in subject matter that directly relates to your license. 

How Many Credits Do I Need to Take During Each Renewal Period?

Sixteen (16) credit hours of coursework are required during each renewal period (every 2 years). Also, of the 16 credits required, three of these must be in ethics training. 

Callout 3: St. Louis Arch - Are there any circumstances under which I wouldn't need to complete CE requirements? three facts

Are There Any Circumstances Under Which I Wouldn’t Need to Complete CE Coursework?

In Missouri, there are a few circumstances that could keep you from needing to complete the standard requirements. Let’s take a look at a few of these.

Age Limit

If you are over 70 years old, you won’t need to continue taking CE coursework to maintain your Missouri license. But, you must still complete your renewal application and pay renewal fees. 

Significant Health Concerns

If you’ve been suffering from an illness or injury that keeps you from being able to take coursework on time, Missouri may exempt you from the requirement. But you must file for an exemption well in advance of your expiration date. 

Military Service

The state of Missouri understands that military service could impede your ability to sell insurance or complete CE coursework. If you are on active duty service for a significant period of time, you will be exempt from CE requirements and from renewal fees. Again, you must file for an exemption with the Missouri Department of Insurance to be eligible. 

How Much Will It Cost to Renew My Missouri Insurance License on Time?

Of course, even renewing your license on time will have an associated cost. According to the Missouri Department of Insurance, your on-time renewal fee will be $100. Be sure to complete this process in the 60 days before your expiration date.

Exception for Veterans’ Renewal Fee

If you’re a veteran, there’s some good news: you may be eligible for a one-time waiver of your renewal fees. You can fill out an online form provided by the Missouri Department of Insurance to request this option.

Callout 4: Cost to renew insurance on time and after it expires- five facts listed

How Much Will It Cost to Renew My Insurance License After It Has Expired?

In some states, you can renew your insurance license after it’s expired. In other states, you don’t have that option. Missouri does allow you to renew your license after the expiration date, but it will cost you. In fact, you’ll end up paying an extra $25 for every month that passes after your license has expired. This is not an ideal option, but you’ll be able to complete late renewal once these fines are paid. You’ll pay a maximum of 12 months’ worth of late fees: $300 total.

What if I Fail to Renew My Missouri Insurance License Within One Year of My Expiration Date?

Unfortunately, your ability to renew your license will end after one year has passed. If you miss this deadline for late renewal, you will have to start from scratch and apply for a new insurance license.

Changes to Missouri’s License Expiration Date Guidelines

It’s possible for your license’s expiration date to change. In 2021, Missouri made two decisions that changed how expiration dates are calculated. They are no longer measured from the time your license was issued. Instead, your license will expire biannually on your birth date.

How Do I Pay My Missouri Insurance License Renewal Fees?

You can use one of three methods to pay your renewal fees and late fees:

  • Company or business entity producer check
  • Cashier’s check
  • Money order

You should make checks payable to the Department of Commerce & Insurance.

BetterCE Is the Best Choice for Your CE Needs

Say goodbye to late fees and penalties when you complete your CE requirements on time with BetterCE. Get in touch with our Customer Care team at 1-888-501-7330, or fill out our Contact Form.

Featured: Indiana map- What are the late fees and penalties if I don't renew my Indiana insurance license on time?

What Are the Late Fees and Penalties if I Don’t Renew My Indiana Insurance License on Time?

Posted on 05.23.23

If you sell insurance in Indiana, maintaining your license is very important. You’ve already been through how to get your insurance license. If you don’t follow the required steps for Indiana insurance license renewal, you could end up with an expired license. Getting your license active again can be time-consuming, expensive, and inconvenient. 

Does Indiana insurance licensing work differently than licensing in other states? There are many similarities among state guidelines but some key differences too.

At BetterCE, we understand that life gets busy, and sometimes, deadlines can sneak up. Our experts are on hand to answer any questions you have about insurance license renewal in Indiana. Check out this brief guide to what you should know about your continuing education requirements and the renewal process. 

Callout 1: How to keep your insurance license active - two steps listed

How to Keep Your Insurance License Active 

Do you have questions about license renewal? There are a few steps you’ll need to take to keep your Indiana insurance license active. Here’s a brief look at each one.

Determine Your License Expiration Date

You’re required to renew your Indiana insurance license every two years. You will receive a reminder from the Indiana Department of Insurance 90 days from the date your license expires. You can also look up your license expiration at the Sircon website.

Complete Your Continuing Education Requirements

Indiana requires most agents to complete 24 credit hours during each two year period. This applies to agents licensed in major lines.

Check out the specific guidelines regarding your continuing education requirements below.

Ethics Requirement

Of the 24 credit hours required, at least 3 must be fulfilled in an ethics course.

Major Lines Definition

The state of Indiana defines these types of insurance as “major” lines:

  • Life
  • Accident and Health
  • Property and Casualty
  • Personal lines
  • Variable lines and annuity

24-credit Maximum

If you hold multiple license types, you still only need to complete 24 credit hours total. You do not need to add additional credit hours to cover multiple licenses, although you may need to select coursework that fulfills license-specific requirements.

Long-term Care, Flood, and Annuity Requirements

If you sell long-term care, annuity or flood insurance, the following specific requirements will apply to you:

  • Agents selling long-term care insurance must complete a one- time, 8-hour, long-term care insurance training course before they begin selling policies.
  • Agents selling long-term care partnership policies must complete a 15-hour course when they begin selling. The 15 hours should be composed of 8 hours in long-term care and 7 hours in long-term partnership. They’ll also need to complete 5 hours of ongoing training during each 2-year cycle.
  • If you sell any annuity products, you must complete a 4-hour training course prior to selling. This course must only be taken once.
  • If you sell flood insurance, you must complete 3 hours of training that relates to the National Flood Insurance Program. This course must only be taken once.

Callout 2: Non-license-type-specific CE requirements- three facts listed

Non-License-Type-Specific CE Requirements

Your Indiana insurance licensing does not require you to take only courses that apply to your specific insurance type. Aside from the 3 hours of ethics, and any product-specific training requirements as mentioned above, courses for your CE credits can be taken in any area. Of course, CE coursework must be approved by the Indiana Department of Insurance.

Apply for Insurance License Renewal in Indiana

Ninety (90) days before your license expiration date, your renewal period will begin. You cannot renew your license before this period. Once you are within 90 days of your expiration date, and you have completed your CE requirements, visit one of these locations to start the renewal process:

  • NIPR Indiana license renewal
  • Sircon Indiana license renewal

Indiana Insurance License Renewal Fee

The fee to renew your license will be $40. You’ll also be charged $5 for processing.

What Are the Late Fees and Penalties if You Don’t Renew on Time?

Can you renew your insurance license after it’s expired? The answer is: sometimes, but there are usually penalties involved. If you don’t renew your Indiana insurance license on time, you could be in for a headache. 

If your license expires because you failed to renew before your deadline, it will be considered inactive. You can no longer sell insurance and must take action to reinstate your license within 12 months.

How to Reinstate Your Indiana Insurance License if You Have Completed Your CE Requirements

The good news is that, if you’ve completed your CE requirements, your reinstatement process will be easier. You can request reinstatement online. However, you’ll need to pay the $40 renewal fee plus an extra fee of $120.

How to Reinstate Your Indiana Insurance License if You Haven’t Completed Your CE Requirements

If you haven’t completed your CE requirements, your first step will be to finish them as soon as possible. You’ll then need to register for a test called the Laws and Regulation Assessment. There will be fees associated with it, and you’ll need to pass it successfully. Then, you’ll need to pay the $40 fee plus the $120 fee as described above.

Callout 3: Male student wearing headphones while watching a webinar- What are the late fees and penalties if you don't renew on time? four facts

Can You Reinstate Your Indiana Insurance License After 12 Months Have Passed?

After 12 months have passed since your license expiration date, you can no longer simply reinstate your license. You’ll need to start the process of obtaining a license all over again.

Are There Any Special Cases That Might Apply to My Insurance License in This State?

There are a few exceptions to the procedures for Indiana insurance licensing.

Exemptions

You can apply for an exemption due to illness or military service. These decisions are made on a case-by-case basis.

Extensions

If you need more time to complete your CE requirements, you can apply for an extension. You must apply 30 days before your expiration date. Your extension will likely be 30 days, but could be up to 90.

Complete Your CE Requirements to Avoid Extra Fees and Penalties

Continuing education is important for all insurance agents. You need to stay knowledgeable and up-to-date about your profession. You also need to avoid the hassle and extra expense of an expired Indiana insurance license.

BetterCE is committed to helping you get the most out of your continuing education, at the best possible price. Our Indiana Continuing Education Course Catalog has everything you need to keep your license valid. Our Customer Care team at 1-888-501-7330 can answer any questions you have or help you find what you’re looking for. 

Callout 4: Male student with headphones on watching online webinar- Why you should choose BetterCE for insurance license renewal in Indiana- three facts/benefits

Why Should You Choose BetterCE for Insurance License Renewal in Indiana?

BetterCE is the best continuing education provider you can choose for Indiana insurance licensing. Let’s take a look at just a few of the reasons!

A Helpful Customer Care Team

Wondering how to get your insurance license in Indiana or how to renew it? Our licensing support professionals are on hand to answer your questions.

Affordable Online Coursework in Two Convenient Formats

Taking CE courses at BetterCE won’t break the bank. It also fits seamlessly into your lifestyle, thanks to our two convenient course formats: live webinars and text-based courses.

Read more in our blog: Differences Between Webinar Courses and Traditional Online Text-Based Courses

Same-day Completion Reporting

At BetterCE, we report your course completion on the same day that you finish it. We’ll send you an email verifying that they’ve been reported, and it will contain a link to your Sircon transcript showing your completion.

Ready to Get Started With BetterCE?

Completing all of your CE requirements on time is the best way to avoid fees and penalties.  Ready to learn from the best continuing education company around? Enroll at BetterCE today!  You can reach our Customer Care team at 1-888-501-7330, or complete our Contact Form online.

Featured: Map of North Carolina pin-pointed - What Are the late fees and penalties if I don't renew my North Carolina insurance license on time?

What Are the Late Fees and Penalties if I Don’t Renew My North Carolina Insurance License on Time?

Posted on 05.08.23

If you hold a North Carolina insurance license, you know that obtaining a license is costly and time-consuming. The last thing you want is to have to pay the state’s insurance license renewal penalties, too. But if you don’t follow the right renewal procedure, you might be stuck doing just that. That’s why it’s so vital to familiarize yourself with the renewal procedures for your insurance license in this state. 

To renew your insurance license, North Carolina asks you to follow a procedure that’s unique to their state. Most states’ renewal procedures have a lot in common, but the differences are important to note—especially if you’ve recently moved from a different state! 

Is it almost time to renew your insurance license? The biggest mistake you can make is putting things off. In this article, you’ll learn more about North Carolina insurance license renewal penalties. We’ll also answer questions like, “how do I get my insurance license in North Carolina?” and “how can I meet all the requirements for renewing my North Carolina insurance license on time?”  

Callout 1: Person at desk in online digital webinar- North Carolina has a state-specific procedure

How Do I Keep My North Carolina Insurance License Active?

If your insurance license is close to expiring, the good news is that North Carolina differs from many other states when it comes to license renewal. Most states require renewal applications and fees, but those aren’t necessary for a North Carolina insurance license. However, your continuing education requirements must be done before your CE compliance date: the last day of your birth month, every two years.

Along with taking your required CE courses, you’ll also need to verify that they appear on your Sircon CE transcript. This is one reason to choose a company like BetterCE that takes compliance seriously. If your provider doesn’t report your course completion in a timely fashion, your license could expire. BetterCE submits your credits the same day you complete them, so you won’t need to worry. We also send you an email after notifying you that your credits have been submitted, and the email contains a link to view your Sircon transcript, so you can be absolutely certain the credits you earned were submitted.

Callout 2: How do I keep my North Carolina insurance license active? 3 facts given

What Are the Late Fees and Penalties if My Insurance License in North Carolina Expires?

Your insurance license is considered “expired” if you do not complete all of your required CE credits by your CE compliance date. After this happens, you will need to complete all of your required credits and pay $75 to have your license reinstated. If these steps are not taken within 4 months, your license will be canceled. You will need to start the process of obtaining your license again, starting with your pre-licensing education requirements.

Are there any exemptions regarding late fees and penalties if my insurance license expires?

North Carolina does have limited exemptions for issues like military service or medical hardship. If you wish to pursue an exemption, you must file within 30 days of your CE compliance date, but not after it.

Avoid Late Fees and Penalties by Completing Your Continuing Education Requirements on Time

To avoid renewal penalties, it’s important to stay on top of your CE requirements. Completing your continuing education requirements is vitally important to your professional development. It’s also necessary to keep your North Carolina insurance license active. 

You can avoid hassle and confusion by choosing BetterCE for your insurance license CE requirements. Everything you need to fulfill your requirements is available on our website. If you feel something is missing, contact us at 1-888-501-7330 and our Customer Care team will help.  

Callout 3: What are the late fees and penalties if my insurance license in North Carolina expires? 3 facts given

What are the general CE requirements to avoid North Carolina insurance license renewal penalties?

The general CE requirements for keeping your North Carolina insurance license active include: 

  • 24 credit hours of approved CE courses, every 2 years
  • Courses must be completed before your CE compliance date
  • At least 3 of your 24 hours must be in Ethics
  • Producers with multiple lines must only meet the requirements for agents with single-line licensing
  • Courses can be in any subject matter, as long as the Ethics requirement is met and courses are approved by the North Carolina Department of Insurance

Licenses in certain lines of authority do not need renewal. In addition, certain lines may have special requirements. Property and Casualty lines have a flood training requirement, and Life and Health agents working with long-term care lines must meet additional requirements. 

How Do I Choose the Best CE Provider to Keep My North Carolina Insurance License Active?

The best way to avoid North Carolina insurance license renewal penalties is to complete your CE credits before the deadline. What should you look for in a CE provider? Here are a few “green flags”:

  • Helpful agent support services
  • Convenient online coursework
  • Comprehensive course catalogs
  • Same-day completion reporting 

At BetterCE, we offer all this and more. If you’re looking for a convenient, affordable way to keep your license active, choosing BetterCE is the best decision you can make!  

Callout 4: How BetterCE makes it easy to meet your CE requirements- 3 facts listed

How BetterCE Makes It Easy to Meet Your CE Requirements

BetterCE offers two convenient, affordable learning models: text-based courses or webinars. Our North Carolina Course Catalog offers everything you need to fulfill your requirements. If you choose a text-based option, you can work on your course anytime–no matter where you are! Our webinars involve no required reading, quizzes, or final exams, so your learning experience is seamless.

At BetterCE, our licensing support professionals will assist you with all your insurance license North Carolina needs. You can reach our Customer Care team at 1-888-501-7330, or complete our Contact Form online. Get started today to keep your North Carolina insurance license active

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