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Featured: Des Moines, Iowa skyline- What Are My Iowa Insurance License Renewal Requirements?

What Are My Iowa Insurance License Renewal Requirements?

This article answers the question: How can I renew my insurance license in Iowa? We’re confident that the BetterCE straightforward,  two-step process can help you renew your Iowa insurance license quickly and without fuss.

The Iowa insurance license renewal requirements are straightforward. Every three years, you need to renew your insurance license. This must be done within 90 days prior to the license expiration date, which is the last day of your birth month. You can verify your expiration date using the NAIC website.

There are only two steps required to keep your license active:

  1. Complete the Iowa insurance license continuing education requirements.
  2. Submit your renewal application prior to expiration.

Callout 1: Person writing in notebook in front of open laptop on desk- requirements for Iowa insurance License renewal- 2 steps

Step #1: Complete the Iowa License Renewal Requirements

The Iowa Insurance Division requires all major lines licensed agents to complete 36 credit hours of state-approved continuing education every three years. Major lines are agents licensed to sell: Life, Accident and Health, Property, Casualty, Variable Life and Variable Annuities, and Personal Lines. Of the 36 credits, at least 3 must be approved for ethics.

Remember that no matter how many licenses you hold, you only need to do a maximum of 36 credits. So, for example, if you are licensed in Life as well as Property, you only need to do 36 credits total, 3 of which must be in ethics. 

Special training requirements exist for agents selling long-term care, annuity, and flood insurance. 

  • Agents who sell long-term care policies must complete an initial 8-hour training course. After that, you must complete a 4-hour long-term care training course for every renewal period. 
  • Producers who sell, solicit, or negotiate an annuity product must complete a one-time 4-hour annuity suitability course prior to selling. 
  • Producers who sell flood insurance must complete a one-time 3-hour continuing education course related to the National Flood Insurance Program (NFIP) prior to selling.

Besides the ethics course, you can take courses in any subject matter as long as they are approved by the insurance division.  

Callout 2: Open laptop on desk- Iowa license renewal requirements- 3 facts

Step #2: Submit Your Iowa Insurance License Renewal Application Prior to Expiration

After completing your CE requirements, the last step you need to take is to renew your Iowa insurance license. This must be done prior to your license expiration date but not more than 90 days in advance of the expiration date. You can access your renewal application and file it online at NIPR Iowa License Renewal or Sircon Iowa Agent Renewal. The renewal fee is $50. 

If you don’t renew your Iowa insurance license prior to your expiration date, it will be considered expired, and you are prohibited from transacting insurance business. You still have up to 12 months to reinstate your license, but only if you completed your CE requirements before your license expiration date, and you must pay a reinstatement fee of $100 in addition to the $50 renewal fee.  

If you did not complete your CE requirements on time,  you’ll need to contact the Iowa Insurance Division for information on the process for reinstatement. In almost every case, the Iowa Department will allow you to reinstate your license by completing any outstanding CE due and then submitting the reinstatement application and late fees. If you fail to reinstate your license within 12 months beyond your original license expiration date, your license will be terminated, and you will have to undergo the relicensing process.  

Callout 3: Facts about not renewing Iowa insurance license before expiration date- 3 listed

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

Even with three full years to accumulate your 36 hours of continuing education, there’s no reason to wait to start. BetterCE has you covered with all the courses you need. The complete listing is in our Iowa Insurance Continuing Education Course Catalog.

Our online training is self-paced and delivered to your computer, tablet, and smartphone. The quizzes and exams are scored instantly, and you can take them as many times as necessary to pass. Plus, you can return to the training whenever it is convenient. The course progress bar tells you exactly where you left off. 

Completions Reported the Same Day

Our office will report your continuing education course credits to the Iowa Insurance Division the same day you complete the training. So, if you’re rushing to complete your continuing education, we’ve got you covered. 

Summary of Steps to Keep Your Iowa Insurance License Active

Even though we’ve mapped it out above, it’s still a great deal to digest. So here’s a quick summary to get you started on the path to renewal.

  • Determine your license expiration date.
  • Determine your continuing education requirements.
  • Enroll in courses well in advance of your expiration date.
  • Complete your courses – we submit your credits the same day you complete them.
  • Renew your license.

We’re confident that everything you need to renew your Iowa insurance license is easily accessible through our website. If not, call our office, and we’ll happily assist you.

There’s no time to be lost if you’re near your renewal date. So sign up now for the most trusted and convenient solution for keeping your license active.  

Callout 4: BetterCE's continuing education online training benefits- 3 listed

We’re Here to Help

At BetterCE, we provide more than the most convenient and affordable solution for insurance continuing education. Our agent support services are provided by experienced insurance licensing professionals who have helped thousands of agents navigate the renewal process easily.

Have a question or need assistance? Phone 1-888-501-7330 for our customer care team. We also respond to emails as well as via our Contact Form. You can also sign up for convenient license renewal reminders on our contact page.

Featured: Hoover Dam - Nevada- What Are My Nevada Insurance License Renewal Requirements?

What Are My Nevada Insurance License Renewal Requirements?

Why do I need to know about insurance license renewal requirements in Nevada?

Insurance license renewal in Nevada is an important step to prevent unwanted roadblocks and delays. If you fail to renew on time, you might be subject to additional fees and penalties. If you already have experience with getting your license renewed in another state, you can’t necessarily expect the requirements for insurance license renewal in Nevada to be the same. Guidelines vary from state to state. Even if you’ve been in the insurance business for a long time, it’s worthwhile to learn the details of insurance license renewal in Nevada before your license expires. This article offers an in-depth look at how to renew an insurance license in Nevada and what you need to know. 

Regarding insurance license renewal in Nevada, what are “major lines”?

Major lines of insurance are subject to Nevada’s general guidelines for license renewal. Major lines include:

  • Life
  • Health
  • Property
  • Casualty
  • Personal lines

If you are licensed in multiple major lines, you only need to complete what’s required for agents with single-line licenses.  

Callout 1: Webinar word handwritten on chalkboard- what are the continuing education requirements for insurance license renewal in Nevada?- 2 facts listed

What are the continuing education requirements for insurance license renewal in Nevada?

If you’re selling “major lines” insurance in Nevada, you will most likely need to take 30 credit hours of approved CE hours, every 3 years. These credits must be earned before your license expiration date. The only exceptions exist if you qualify for one or more exemptions. 

Ethics training license renewal requirements in Nevada

If you’re required to take 30 credit hours for major line licensing, at least 3 of your hours must be in ethics approved content. This requirement helps to ensure that all agents are equipped to handle ethical decision-making they will encounter in the field.

Line-specific training requirements for insurance license renewal in Nevada

Agents selling specific types of insurance products also need to take special training courses prior to selling these products:

  • Flood insurance
  • Annuity products
  • Long-term care insurance

Agents selling flood insurance will need to complete a one-time, three hour flood insurance training course.  Agents selling annuity products must complete a one-time, four-hour annuity training course. If you sell long-term care insurance, your requirements are twofold. You’ll first need to complete a one-time eight-hour course. Then, you’ll need to take an additional four hours of specialized coursework during each compliance period thereafter.  

Callout 2: Quote from text about license expiration date in Nevada

Wondering how to renew your insurance license in Nevada?

Renewing your insurance license in Nevada is a 2 step process. First, you’ll need to complete your CE Requirements. Second, you’ll need to submit your renewal application and renewal fees. Both of these must be done every three years, prior to your license expiration date. Your license expiration date is the last day of the month in which you were licensed, again, every 3 years. This can be a tough date to remember, but you can use the Nevada Department of Insurance Agent Lookup tool to view all of your license info, including your next upcoming expiration date.  

When it’s time for your insurance license renewal in Nevada, you should submit your renewal online through SIRCON or NIPR.com. Both partner with the Nevada Division of Insurance to offer services such as:

  • License applications and renewals
  • CE transcripts and course approval inquiries
  • License printing

You can use either service to print your renewed license online. However, this can only be done up to 30 days following your insurance license renewal in Nevada. It’s very important to renew your license before it expires. Otherwise, additional steps and fines are required. 

What if I don’t complete the license renewal requirements in Nevada on time?

Every state has their own guidelines regarding late renewals. In Nevada, if you don’t renew your license before the expiration date, you’ll be subject to a $250 late renewal fee if renewed within the first 30 days following your expiration date. After 30 days, your license will be considered expired. You still have up to one year to reinstate your license, but this is much more expensive–it costs $435! Keep in mind that regardless of when you renew, your CE requirements will need to be completed to be eligible to do so.

How do I know it’s time for insurance license renewal in Nevada?

You will probably get a courtesy notice, emailed two months before your license is scheduled to expire. However, it’s best not to rely too heavily on this courtesy notice, because problems can arise with delivery. It’s a good idea to set personal reminders about your upcoming expiration date, every three years. Again, the easiest way to locate your license information, including your license expiration date on the Nevada Department of Insurance Agent Lookup tool.  

Callout 3: what if I don't complete the license renewal requirements in Nevada on time?- 4 facts listed

How do I choose continuing education for license renewal requirements in Nevada?

When it’s time to find a continuing education provider, it’s worth doing some research to find the best option available. Why is it so important to choose the right provider? Let’s take a look at a few of the top reasons why your provider matters.

Your course must be approved by the Nevada Division of Insurance

If you hold a resident license in Nevada, you’ll need to choose courses that are approved for education credits by the Nevada Department of Insurance. If you accidentally select a course that hasn’t been approved by your state’s division of insurance, you’ve just wasted your hard-earned time and money! 

Your provider and instructor must be approved by the Nevada Division of Insurance

You’ve looked up how to renew an insurance license in Nevada, and you’ve even done careful research to find out which courses are approved. But if you’re not taking those courses through an approved provider, they may not help you meet your license renewal requirements in Nevada! Furthermore, if the course involves an instructor—whether in-person or virtual—that person must also be approved by the state.

Your provider needs to understand compliance in the world of insurance

If your CE provider is out to make a quick buck, without understanding the complex world of insurance compliance, you might be in trouble. Look for a provider who understands the importance of:

  • Gathering the right information
  • Reporting information quickly and accurately
  • Internal oversight by compliance experts 

Choosing the wrong provider can keep you from meeting your requirements for insurance license renewal in Nevada on time. That’s why it’s so crucial to choose wisely!

Why should I choose BetterCE for insurance license renewal requirements in Nevada?

You have many options for continuing education to help you meet your license renewal requirements in Nevada. Why choose BetterCE?

BetterCE offers webinar and text-based course options for insurance license renewal in Nevada  

Callout 4: The continuing education provider matters- 4 reasons listed with BetterCE logo on laptop screen

BetterCE offers courses in two formats: text-based coursework and webinars. We understand that not everyone has the same schedule, priorities or learning style, and we give you the freedom to choose the format that works best for you. Pros of choosing our text-based courses include:

  • Freedom to take courses anywhere–even a noisy environment
  • Freedom to complete coursework at any time of day
  • Ability to pause anytime and easily pick up where you left off

On the other hand, webinars also have several key advantages. These include:

  • No required reading, quizzes or final exams
  • Excellent instructors who share their expertise
  • Taking courses from the comfort of your home

No matter which course format you choose, BetterCE can help you complete your requirements for insurance license renewal in Nevada conveniently and affordably!

BetterCE offers a comprehensive catalog that meets license renewal requirements in Nevada

BetterCE offers an extensive catalog of courses to help you meet all of the license renewal requirements in Nevada. As a Nevada Approved Provider, we strive to stay on top of changes within the Nevada Department of Insurance to give you a seamless experience. We also offer our Complete Compliance Packages which are designed by our compliance experts and contain all the courses you need to stay in compliance with one simple selection. 

BetterCE puts compliance experts in charge of the process

At BetterCE, we take compliance seriously. That’s partly because we were founded by former insurance regulators and compliance experts, and our company is still overseen by experts. 

Call BetterCE today for insurance license renewal in Nevada!

Insurance license renewal in Nevada doesn’t have to be expensive or frustrating. The professionals at BetterCE can help answer your questions about how to renew insurance license in Nevada. Don’t wait–call our Customer Care team today at 1-888-501-7330, or fill out our Contact Form to get started. There’s an easier way to meet license renewal requirements in Nevada: BetterCE!

Featured: close-up of Georgia map- what are the late fees and penalties if I don't renew my Georgia insurance license on time?

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

If you hold a Georgia insurance license, you’ve already made a significant investment of time and resources. Renewing it on time is the best way to ensure you don’t end up having to pay additional fees and penalties. The procedure for insurance license renewal in Georgia is similar to many other states, but each state has its own specific guidelines to follow. If your Georgia insurance license is nearing its expiration date, don’t put off your renewal for a later day. This article will explore the details of insurance license renewal in Georgia. These will include how to get your insurance license in Georgia and what happens if you don’t renew in time.

How to Get Your Insurance License in Georgia

Obtaining your Georgia insurance license requires several key steps. Specific requirements vary according to the exact type of license you are seeking. If you want to sell more than one type of insurance, you will need a license that covers each type. Obtaining the right license up front will save you time, hassle, and money down the road.  

Callout 1: finger touching red renewal key on keyboard- keeping your Georgia insurance license active- 2 facts

Investigate Specific Requirements for Your Georgia Insurance License Type

Once you know exactly what kind of policies you want to sell, you’ll need to research the specific requirements for each type. For instance, if you want to be licensed to sell life insurance, you’ll need to meet these requirements:

  • Complete a 20-hour pre-licensing course
  • Study and prepare for the examination
  • Pay for the examination fees
  • Get a passing score on your examination
  • Complete your Citizenship Affidavit and make a copy of your ID
  • Apply for your license online
  • Submit a licensing fee
  • Pay for and submit your fingerprints electronically

However, for other types of insurance, like travel insurance, no pre-licensing course or exam is required. 

Keeping Your Georgia Insurance Licensing Active

Once you’ve studied your course materials, passed the exam and background check, and paid all your fees, you’ll receive your Georgia insurance license. However, your license doesn’t last forever. You’ll need to renew it prior to your license expiration date. Your expiration date will occur on the last day of your birth month, every two years. The steps for insurance license renewal in Georgia include:

  • Completion of continuing education requirements
  • Complete a renewal application, which requires disclosure of any new background information or events that have occurred since you first obtained your Georgia insurance license
  • Payment of your renewal fees

After renewing your license, you’ll have two years before you need to renew again. Keeping up with your continuing education credits between license renewals is a must. Otherwise, you’ll have to pack all your credits into a short time period to meet the deadline. At this point, choosing a continuing education company that does same-day credit completion reports will be very helpful.  

Callout 2: what happens if I let my Georgia insurance license expire? - 3 facts

What Happens if I Let My Georgia Insurance License Expire?

In Georgia, you have a late renewal period of 15 days. If you renew during this time, you’ll be charged a $15 late fee in addition to the regular renewal fees.

Once this grace period has passed, your license will be considered expired. You’ll have up to six months to reinstate your license, but the fee has been raised to $50. If your license has expired for more than six months but less than a year, you can still get it reinstated. However, you’ll have to get fingerprinted again in addition to paying the $50 late fee.

If it’s been over one year since your Georgia insurance license expired, you will have to obtain the license all over again. Your former license will be canceled, and you’ll essentially be starting from scratch.

What’s the Difference Between Georgia Insurance License Renewal and Reinstatement?

Renewal and reinstatement might sound very similar, but they have some key differences that are important to understand. Proper renewal of your Georgia insurance license will prevent the need for reinstatement, which can be more costly and time-consuming.

Insurance License Renewal in Georgia

Your Georgia Insurance license is eligible for renewal only when you are within 90 days of your license expiration date. Once you are within this timeframe, you can visit the Georgia Licensing Portal at Sircon’s website to get started. From this portal, you can complete many important tasks, including:

  • Apply for a license, or check your application status
  • Look up and verify an existing license
  • Renew or reinstate a license, or check the status of your renewal or reinstatement
  • Print a license
  • Look up your continuing education transcript
  • Update personal information

If you select “Renew or Reinstate A License,” you can follow prompts that will guide you through the renewal process. You’ll be able to submit the required documentation through this portal. You can start the renewal process even if your CE credits are not yet complete. 

Callout 3- close-up of red renewal key on keyboard- what's the difference between Georgia insurance license renewal and reinstatement? - 2 facts

Insurance License Reinstatement In Georgia

Insurance license reinstatement in Georgia is more involved. Reinstatement involves making an expired license active again. Fees will be higher than for license renewal. Also, if you’ve waited too long, you’ll need to resubmit some of the initial documentation required when you first obtained your license.

Why Is Continuing Education So Important?

Continuing education is a vital step for insurance license renewal in Georgia. All Georgia “Major-Lines” licensed agents are required to complete 24 credits of continuing education every two years as part of the renewal requirement. Major lines include agents licensed in Property, Casualty, Life, Health, Personal Lines, or any combination of these categories. Of the 24 credits required, a minimum of three credits must be completed in courses approved for ethics training. The remaining 21 credits can be done in any subject matter as long as they are approved by the Georgia Department of Insurance. Keep in mind that no matter how many license categories you hold, you only need to complete 24 credits total.

 The number of CE credits you need to complete can also vary depending on how many years of service you have in the field. Agents licensed under 20 years must complete the full 24 credits. Agents licensed for more than 20 years only need to complete 20 credits. In either case, agents must still do at least three credit hours in courses approved for Ethics.  

No matter what type of insurance you sell, ignoring your continuing education requirements can lead to extra expense and stress down the road. CE is required to keep your license active and in good standing, and is extremely important to your professional development.

What Should I Look for in Continuing Education?

You know you need to obtain continuing education credits to keep your Georgia insurance license active. However, not all continuing education services are created equal. Some services charge high fees or take an unnecessarily long time to complete. This not only impacts your pocketbook, but it also takes a large chunk out of your work week. Choosing an online option is a good way to lower costs and save valuable time.  

Callout 4- what should I look for in continuing education providers? - BetterCE options for CE listed

Why Choose BetterCE for Georgia Insurance Licensing?

When you choose BetterCE to keep your Georgia insurance license, you can choose between two high-quality, affordable, and convenient learning models: text-based learning or webinars. Choosing the option that fits best with your personal schedule, goals, and learning style puts you in control. Our text-based options are easy to complete anywhere, on any mobile device, and they offer maximum flexibility for your busy lifestyle. If you choose a webinar, you’ll appreciate the fact that there’s no required reading, no quizzes, and no final exams.

License renewal in Georgia doesn’t have to be confusing. At BetterCE, we have highly trained licensing support professionals on hand to support you through the Georgia insurance license renewal process. To get started, call our Customer Care team at 1-888-501-7330. You can also fill out our Contact Form to get in touch.

Featured: Hartford, Connecticut downtown cityscape- What Are My Connecticut Insurance License Renewal Requirements?

What Are My Connecticut Insurance License Renewal Requirements?

This article covers all the steps you’ll need to follow to renew your insurance license in Connecticut. We’re confident that the BetterCE straightforward two-step process can help you renew your license quickly and without fuss.

Every two years, you need to renew your insurance license. This must be done within 90 days prior to the license expiration date, which is the last day of your birth month. 

There are only two steps required to keep your license active:

  • Complete the Connecticut insurance license required continuing education.
  • Submit your renewal application prior to expiration.  

Callout 1: Webinar - handwritten word on note paper- Step#1- Complete the Connecticut Insurance License Required Continuing Education- 3 facts listed

Step #1: Complete the Connecticut Insurance License Required Continuing Education

The Connecticut Insurance Department requires all major lines licensed agents to complete 24 credit hours of state-approved continuing education every two years. Major lines are agents licensed to sell: Life, Accident, and Health; Property; Casualty; and Personal Lines. Of the 24 credits required, at least 3 must be approved for ethics.

Agents can take courses in any subject matter as long as they are approved by the Connecticut Insurance Department, and at least 3 credits are done in the category of Ethics. Remember that no matter how many licenses you hold, you only need to do a maximum of 24 credits. For example, if you are licensed in Life, Accident, and Health as well as Property, you only need to do 24 credits total, 3 of which must be in ethics. 

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

  • Life and Health Agents who sell long-term care policies must complete a prerequisite online course, pass the exam for that course, and complete a 4-hour classroom course conducted by the Connecticut Partnership Staff. 
  • Life and Health Agents who sell, solicit, or negotiate an annuity product must complete a one-time 4-hour annuity suitability course prior to selling. 
  • Property and Casualty Agents who sell flood insurance must complete a 3-hour continuing education course related to the National Flood Insurance Program (NFIP) prior to selling.

Connecticut will waive the CE requirements for those serving in the U.S. military on active duty outside the state during a substantial part of the compliance period.  

Callout 2: Step #2 - Submit Your Connecticut Insurance License Renewal Application prior to expiration- 2 facts listed

Step #2: Submit Your Connecticut Insurance License Renewal Application Prior to Expiration

After completing your CE requirements, the last step you need to take is to renew your Connecticut insurance license. This must be done prior to your license expiration date, but not more than 90 days in advance of the expiration date. The Connecticut insurance license renewal fee is $160. If the CE requirements are completed after the expiration date or the renewal application is submitted late, the late renewal fee is $320. You have one year after the expiration date to file for late renewal. After one year, you will be required to complete a pre-licensing education course and pass the exam prior to submitting the reinstatement application.

You can access your renewal application and file it online at NIPR Connecticut License Renewal.

Now is the Time to Start Your Continuing Education

Even with two full years to accumulate your 24 hours of continuing education, there’s no reason to wait to start. BetterCE has you covered with all the courses you need. The complete listing is in our Connecticut Insurance Continuing Education Course Catalog.

The online training is self-paced and delivered to your computer, tablet, and smartphone. The quizzes and exams are scored instantly, and you can take them as many times as necessary to pass. Plus, you can return to the training whenever it is convenient. The course progress bar tells you exactly where you left off.

Our webinar courses are instructor-led and delivered live using video conferencing. You must be in attendance for the entire class time, with check-ins at random times throughout the webinar to confirm your attendance. Students can interact and ask questions. The advantages of webinars include no required reading and no quizzes or final exams. You can view a listing of our webinars here: Connecticut Webinar Catalog. Find out more about the advantages of webinars in our article The Power of Webinars for Insurance Continuing Education. 

Completions Reported the Same Day

Our office will report your continuing education course credits to the Connecticut Insurance Department the same day you complete the training. So, if you’re rushing to complete your continuing education, we’ve got you covered.  

Callout 3: Desktop with notebook, mobile phone, pen and glass of juice- BetterCE has everything you need to renew Connecticut insurance license on their website

Summary of Steps to Keep Your Connecticut Insurance License Active

Even though we’ve mapped it out above, it’s still a great deal to digest. So here’s a quick summary to get you started on the path to renewal.

  • Determine your license expiration date.
  • Determine your continuing education requirements.
  • Enroll in courses well in advance of your expiration date.
  • Complete your courses – we submit your credits the same day you complete them.
  • Renew your license.

We’re confident that our website contains everything you need to renew your Connecticut insurance license. If not, call our office, and we’ll happily assist you.

There’s no time to be lost if you’re near your renewal date. So sign up now for the most trusted and convenient solution for keeping your license active.

We’re Here to Help

At BetterCE, we provide more than the most convenient and affordable solution for insurance continuing education. Our agent support services are provided by experienced insurance licensing professionals who have helped thousands of agents navigate the renewal process easily.

Have a question or need assistance? Phone 1-888-501-7330 for our customer care team. We also respond to emails as well as via our Contact Form. You can also sign up for convenient license renewal reminders on our contact page.

Featured: Cincinnati, OH nighttime city skyline- What are the late fees and penalties if I don't renew my Ohio insurance license on time?

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

Ohio major-lines licensed insurance agents must complete their continuing education requirements every two years before their license expiration date to be eligible to renew their license. Our article How to Keep Your Insurance License Active in Ohio details continuing education renewal requirements. 

If you don’t complete your continuing education on time, you will not be able to renew your license, and if you continue to delay, your license is subject to being canceled.  This article provides further insight into late fees, penalties, and how to reinstate your Ohio insurance license.  

Callout 1: Finger hovering over red cancel key on laptop keyboard- quote from text about Ohio license subject to cancel

Ohio Insurance License Expiration, Late Renewal, and Reinstatement

The Ohio Department of Insurance sends license renewal notifications via email. They are sent to the email address on file approximately 90 days, 60 days, and 30 days prior to a license expiration date. The insurance license expiration date is every two years on the last day of the licensee’s birth month.

Your insurance license in Ohio is eligible for renewal 90 days before the license expiration date, but only if you have completed all your continuing education requirements.  

Callout 2: Ohio Department of Insurance sends license renewal notifications - blurred background

Ohio Insurance License Renewal Late Fees and Penalties

So, what happens if you don’t renew your license prior to your license expiration date? Fortunately, the Ohio Department of insurance does grant agents an additional 30 days to complete any outstanding CE and submit an application for late renewal, but there is a fee of $50 to do so.  After 30 days, the agent’s license is suspended and they are prohibited from transacting any insurance business. Agents still have up to one year from their original license renewal/expiration date to reinstate their license, but they must complete any outstanding CE due, and pay a reinstatement fee of $100. Beyond 1 year, the license is canceled, and the agent must re-license (take the pre-licensing course and exam) to be eligible to transact insurance. 

Just recall what was required to get licensed in the first place. You had to take a pre-licensing course that required 20-40 hours of your time. You had to study for the exam for many more hours, and then sit for and hopefully pass the exam. Aside from the time commitment, consider the fees that have to be paid for each of these steps, and the costs run into the many hundreds of dollars! It seems pretty obvious that a wiser course would be to renew your license on time and keep it active. Even if you aren’t currently working in insurance, it’s well worth your time and money to keep your license active.  

Callout 3: Finger hovering over red cancel key on keyboard- what happens if you don't renew license prior to expiration? three facts

Don’t Let This Happen to You — Sign Up for Continuing Education Now

We’ve got you covered with both online training and webinars. That makes completing all the requirements for renewing or reinstating your license quick and easy.

The online training is self-paced and delivered to your computer, tablet, and smartphone. The quizzes and exams are scored instantly; you can take them as many times as necessary to pass. Plus, you can return to the training whenever it is convenient. The course progress bar tells you exactly where you left off. This is a relatively quick way to accomplish your CE requirements.

Our webinar courses are instructor-led and delivered live using video conferencing. You must be in attendance for the entire class time, with check-ins at random times throughout the webinar to confirm your attendance. Students can interact and ask questions. The advantages of webinars include no required reading and no quizzes or final exams.

For more information, see our article Differences Between Webinar Courses and Traditional Online Text-Based Courses. 

We’ve got you covered with all the courses you need. The complete listing is in our Ohio Insurance Continuing Education Course Catalog. Also, check out our Ohio Webinar Catalog.  

Callout 4: Close-up of laptop keyboard- BetterCE sign up for continuing education- three facts

Completions Reported the Same Day

Note that your continuing education course credits will be reported directly to the Ohio Department of Insurance on the same day you complete the training. So, we’ve got you covered when you’re trying to complete your training quickly.

We’re Here to Help 

We’re confident that the continuing education you need to renew or reinstate your license is easily accessible through our website. If not, call our office, and we’ll happily assist you.  

At BetterCE, we provide more than the most convenient and affordable solution for insurance continuing education. Our agent support services are provided by experienced insurance licensing professionals who have helped thousands of agents easily navigate the renewal process.

Have a question or need assistance? Phone 1-888-501-7330 for our customer care team. We also respond to emails as well as via our Contact Form. On our contact page, you can also sign up for convenient license renewal reminders, so you never have to deal with an expired license.

BULLETIN: New Anti-Fraud Training Requirement for California Insurance Agents and Brokers

Please be advised that effective March 1, 2023 all California agents and brokers must complete a 1-hour Anti-Fraud Awareness Training Course as part of their ethics training requirement. This applies to all agents and brokers who renew, or late renew their license after March 1, 2023. It is important to point out that agents who have an expiration date occurring after March 1, 2023, and have already renewed their license, must still complete this training if they have not done so.

To comply with the new Agents and Brokers Anti-Fraud Training Requirements, agents must view a 1-hour Agents and Brokers Anti-Fraud Awareness Training Video developed by the California Department of Insurance. Agents must then complete and submit an Affidavit/Certificate of Completion and submit it via-email to the California Department of Insurance. Instructions are located on the Affidavit/Certificate of Completion form.

Additional information on this new requirement can be viewed on the California Department of Insurance website, here: CA NEW TRAINING REQS

This course is currently being offered for free by the California Department of Insurance. To better assist our clients, we have also included this course in all of our California-approved Ethics courses. So, customers of BetterCE will have access to this course in any ethics-approved course they enroll.

Instructions for complying with the new Anti-Fraud Training Requirement:

As always, please contact our office at 1-888-501-7330 should you have questions or need assistance.

Featured: camera shot of bridge in Chesapeake City, Maryland- What Are My Maryland Insurance License Requirements?

What Are My Maryland Insurance License Requirements?

This article covers all the steps you’ll need to follow to keep your insurance license active in Maryland. We’re confident that the BetterCE straightforward two-step process can help you renew your license quickly and without fuss.

Every two years, you need to renew your insurance license. This must be done within 15 days prior to the license expiration date, which is the last day of your birth month. 

There are only two steps required to keep your Maryland insurance license active:

  1. Complete the required continuing education.
  2. Submit your renewal application at least 15 days prior to expiration.  

Callout 1: Student's hands working on laptop keyboard- quote from text about Maryland insurance requirements for insurance agents

Step #1: Complete the Required Continuing Education

The Maryland Insurance Administration requires that all major lines licensed agents complete 24 credit hours of state-approved continuing education every two years. Major lines are those agents who are licensed to sell: Life, Health, Property, Casualty, Variable Annuity and Variable Life, and Personal Lines. Of the 24 credits required, at least 3 credits must be approved for ethics.

Remember that no matter how many licenses you hold, you only need to do a maximum of 24 credits total. For example, if you are licensed in Life, Health, and Property, you only need to do 24 credits total, 3 of which need to be in ethics. 

Special training requirements exist for agents selling long-term care or flood insurance. 

  • Agents who sell long-term care policies must complete a 2-hour long-term care training every renewal period. 
  • Property and Casualty Agents who sell flood insurance must complete a 2-hour continuing education course related to the National Flood Insurance Program (NFIP) every renewal period.

Other than the ethics course and any special training requirements, you can take courses in any subject matter as long as they are approved by the Maryland insurance department. 

There are two exemptions from CE requirements. Producers over the age of 70 as of April 30, 2013, are exempt from CE requirements. Also, if a resident licensee has been consecutively licensed for 25 or more years prior to October 1, 2008, their CE requirement is 8 hours.  

Callout 2: two exemptions from Maryland CE requirements- two listed

Step #2: Submit Your Renewal Application Prior to Expiration

After completing your CE requirements, the last step you need to take is to renew your Maryland insurance license. This must be done 15 days prior to your license expiration date but not more than 90 days in advance of the expiration date.

You can access your renewal application and file it online at NIPR Maryland License Renewal or Sircon License Renewal. There is also a Paper Renewal Application. 

Now is the Time to Start Your Continuing Education

Even with a full two years to accumulate your 24 hours of continuing education, there’s no reason to wait to get started. BetterCE has you covered with all the courses you need. You can find the complete listing in our Maryland Insurance Continuing Education Course Catalog.

The online training is self-paced and delivered to your computer, tablet, and smartphone. The quizzes and exams are scored instantly, and you can take them as many times as necessary to pass. Plus, you can return to the training whenever it is convenient. The course progress bar tells you exactly where you left off.

Our webinar courses are instructor-led and delivered live using video conferencing. You must be in attendance for the entire class time, with check-ins at random times throughout the webinar to confirm your attendance. Students can interact and ask questions. The advantages to webinars include no required reading and no quizzes or final exams. You can view a listing of our webinars here: Maryland Webinar Catalog. Find out more about the advantages of webinars in our article The Power of Webinars for Insurance Continuing Education. 

Completions Reported the Same Day

Note that our office will report your continuing education course credits to the Maryland Insurance Administration the same day you complete the training. So, if you’re in a rush to complete your continuing education, we’ve got you covered.  

Callout 3: camera shot of bridge in Chesapeake City, Maryland- two facts about Maryland insurance license renewal

Summary of Steps to Keep Your Maryland Insurance License Active

Even though we’ve mapped it out above, it’s still a great deal to digest. Here’s a quick summary to get you started on the path to renewal.

  • Determine your license expiration date.
  • Determine your continuing education requirements.
  • Enroll in courses well in advance of your expiration date.
  • Complete your courses – we submit your credits the same day you complete them.
  • Renew your license.

We’re confident that everything you need to keep your license active is easily accessible through our website. If not, simply call our office, and we’ll happily assist you.

There’s no time to be lost if you’re near your renewal date. Sign up now for the most trusted and convenient solution for keeping your license active.

We’re Here to Help

At BetterCE, we provide more than the most convenient and affordable solution for insurance continuing education. Our agent support services are provided by experienced insurance licensing professionals who have helped thousands of agents navigate the renewal process easily.

Have a question or need assistance? Phone 1-888-501-7330 for our customer care team. We also respond to email as well as via our Contact Form. You can also sign up for convenient license renewal reminders on our contact page.

Featured: close-up map with Pennsylvania circled- what are the late fees and penalties if I don't renew my Pennsylvania insurance license on time?

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

To renew your Pennsylvania insurance license, you must complete your continuing education requirements every two years before your license expiration date. Our article “How to Keep Your Insurance License Active in Pennsylvania” provides details on continuing education and renewal requirements for Pennsylvania insurance agents. 

In short, if you don’t complete your continuing education and renew your insurance license on time, you’ll be subject to additional fees and timelines if you wish to keep it active. This article provides further insight into late fees, penalties, and how to reinstate your Pennsylvania insurance license.

So What if I Don’t Renew My Pennsylvania Insurance License On Time? 

Let’s recall that Pennsylvania insurance agents must complete their CE requirements every two years to be eligible to renew their license. Once the CE is completed, they must submit their renewal application and pay a renewal fee of $55. This must be done prior to the agent’s license expiration/renewal date, which occurs on the last day of the agent’s birth month—every two years.  

If an agent fails to meet the renewal requirements prior to their license expiration/renewal date, they have up to 60 days to keep their license active by performing a “late renewal.” To do so they must complete any outstanding CE requirements, submit a late renewal application, and pay the late renewal fee of $165. 

Agents who miss the 60-day late renewal period will be considered inactive and are prohibited from transacting insurance business. However, they still have up to one year from their original expiration/renewal date to reinstate their license. To have a license reinstated, agents must complete any outstanding CE and submit and pay the late renewal/reinstatement fee of $165. Again, this must be done within one year of the missed expiration/renewal date. After one year, the license will be terminated, and the agent must relicense if they wish to transact insurance.  

Callout 1: alarm clock running late on blue background- late renewal requirements for agents- three listed

Renewal Late Fees and Penalties

The standard renewal fee for Pennsylvania insurance licenses is $55. The late renewal fee is $165, and the reinstatement fee is also $165. The costs begin to mount the later you attempt a renewal or reinstatement. 

Don’t Let This Happen to You — Sign Up for Continuing Education Now

BetterCE offers both online training and webinars, making it quick and easy to complete all the requirements for renewing or reinstating your license.

The online training is self-paced and delivered to your computer, tablet, and smartphone. The quizzes and exams are scored instantly, and you can take them as many times as necessary to pass. Plus, you can return to the training whenever it is convenient. The course progress bar tells you exactly where you left off. This is a relatively quick way to accomplish your CE requirements.

Our webinar courses are instructor-led and delivered live using video conferencing. You’re required to be in attendance for the entire class time, with check-ins at random times throughout the webinar to confirm your attendance. Students can interact and ask questions. The advantages of webinars include no required reading and no quizzes or final exams.

For more information, see our article Differences Between Webinar Courses and Traditional Online Text-Based Courses. 

We’ve got you covered with all the courses you need. The complete listing is in our Pennsylvania Insurance Continuing Education Course Catalog. Also, check out our Pennsylvania Webinar Catalog.  

Callout 2: Philadelphia Pennsylvania city skyline- agents who miss the 60-day late renewal period- three facts listed

Completion Reported the Same Day

Note that your continuing education course credits will be reported directly to the Pennsylvania Insurance Department on the same day you complete the training. So, we’ve got you covered when you’re trying to complete your training quickly.

We’re Here to Help 

We’re confident that the continuing education you need to renew or reinstate your Pennsylvania insurance license is easily accessible through our website. If not, call our office, and we’ll happily assist you.  

At BetterCE, we provide more than the most convenient and affordable solution for insurance continuing education. Our agent support services are provided by experienced insurance licensing professionals who have helped thousands of agents easily navigate the renewal process.

Have a question or need assistance? Phone 1-888-501-7330 for our customer care team. We also respond to emails as well as via our Contact Form. On our contact page, you can also sign up for convenient license renewal reminders so that you never have to deal with an expired license.

Featured: person at desk with laptop open to live webinar- What are my Michigan insurance license renewal requirements?

What Are My Michigan Insurance License Renewal Requirements?

This article covers all the steps you’ll need to follow for your insurance license renewal in Michigan.  We’re confident that the BetterCE straightforward process can help you renew your license quickly and without fuss.

Every two years, you need to complete 24 credit hours of Approved Continuing Education prior to the Continuing Education Renewal Date or “CERD”. Your CERD occurs on the first day of your birth month – every 2 years. Of the 24 credits required, at least three of the 24 credit hours must be in the category of ethics. Your remaining credits can be taken in any subject matter as long as the courses are approved by the Michigan Department of Financial Services. 

It’s important to note that there are no “renewal requirements” for Michigan insurance agents.   There is no renewal application or renewal fees. All agents need to do is complete their required CE prior to their CERD. The license will remain active for another two years if the CE requirements are completed on time.  

Callout 1- continuing education words on notepad- Michigan insurance agents important facts - CERD- four listed

What are the CE Requirements for Michigan Insurance Agents?

The Michigan Department of Insurance and Financial Services requires that all major lines licensed agents complete 24 credit hours of state-approved continuing education every two years. Major lines are those agents who are licensed to sell: Life, Accident, Health, Property, Casualty, and Solicitors. Of the 24 credits required, at least 3 credits must be approved for ethics. The remaining courses can be taken in any subject matter as long as they are approved by the Michigan Department of Financial Services. 

Remember that no matter how many licenses you hold, you only need to do a maximum of 24 credits total. For example, if you are licensed in Life, Accident, Health, and Property, you only need to do 24 credits total, 3 of which need to be in ethics.  

callout 2- what are the continuing education requirements for Michigan insurance agents?- four listed

Insurance License Renewal Michigan — Special Training Requirements

Special training requirements exist for agents selling long-term care, annuity, or flood insurance. 

  •  Agents licensed for Accident and Health or Life who sell long-term care policies must complete an initial 8-hour long-term care course prior to selling and then a 4-hour long-term care training every renewal period following.
  • Any producer who sells Annuity products must complete a one-time 4-hour annuity suitability training prior to selling.
  • Property Line of Authority Agents who sell flood insurance must complete a one-time 3-hour continuing education course related to the National Flood Insurance Program (NFIP) prior to selling.

Other than the ethics course and any special training requirements, you can take courses in any subject matter as long as they are approved by the Michigan insurance department. 

Michigan License Renewal Exemptions

Licensed agents who are currently on active military duty or deployments may be granted a waiver from continuing education requirements. A CE requirement waiver may also be requested due to illness of self or spouse that requires an inordinate amount of time for care. You can find more information at the Michigan Department of Insurance and Financial Services Insurance Licensee Continuing Education FAQ.  

Callout 3- Michigan license renewal exemptions- two facts listed

Failure to Complete Michigan License Renewal Requirements

If you fail to complete the continuing education requirements, your license will be suspended for CE noncompliance. The suspension will last for 90 days or until your continuing education requirement is met. During this time you can service your existing book of business but not transact any new insurance business. If your CE is not completed within 90 days from your CERD, your license will be terminated and you will not be able to transact any insurance business. Plus, all carriers for which you’re appointed will be notified that you are suspended. 

Beyond 90 days you still have up to 12 months from your missed CERD to reinstate your license, but you must submit a license application and pay a fee of $10. Now is the Time to Start Your Continuing Education for Michigan License Renewal

Even with a full two years to accumulate your 24 hours of continuing education, there’s no reason to wait to get started. BetterCE has you covered with all the courses you need. You can find the complete listing in our Michigan Insurance Continuing Education Course Catalog. 

The online training is self-paced and delivered to your computer, tablet, and smartphone. The quizzes and exams are scored instantly, and you can take them as many times as necessary to pass. Plus, you can return to the training whenever it is convenient. The course progress bar tells you exactly where you left off.

Our webinar courses are instructor-led and delivered live using video conferencing. You’re required to be in attendance for the entire class time, with check-ins at random times throughout the webinar to confirm your attendance. Students can interact and ask questions. The advantages of webinars include no required reading and no quizzes or final exams. You can view a listing of our webinars here: Michigan Webinar Catalog. Find out more about the advantages of webinars in our article The Power of Webinars for Insurance Continuing Education.  

Callout 4- four facts about not completing Michigan CE requirements

Completions Reported the Same Day

Note that our office will report your continuing education course credits to the Michigan Department of Insurance the same day you complete the training. So, if you’re in a rush to complete your continuing education, we’ve got you covered. 

Summary of Steps to Keep Your License Active

Even though we’ve mapped it out above, it’s still a great deal to digest. Here’s a quick summary to get you started on the path to renewal.

  • Determine your Michigan Continuing Education Renewal Date (CERD).
  • Determine your continuing education requirements.
  • Enroll in courses well in advance of your renewal date.
  • Complete your courses – we submit your credits the same day you complete them.

We’re confident that everything you need to keep your license active is easily accessible through our website. If not, simply call our office, and we’ll happily assist you.

There’s no time to be lost if you’re near your renewal date. Sign up now for the most trusted and convenient solution for keeping your license active.

We’re Here to Help

At BetterCE, we provide more than the most convenient and affordable solution for insurance continuing education. Our agent support services are provided by experienced insurance licensing professionals who have helped thousands of agents navigate the renewal process easily.

Have a question or need assistance? Phone 1-888-501-7330 for our customer care team. We also respond to email as well as via our Contact Form. You can also sign up for convenient license renewal reminders on our contact page.

Featured: Laptop open to live webinar on desk - what is a webinar and why does it work great for insurance ce?

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

Insurance continuing education is a perfect subject matter for webinar training. We should know. We’ve been delivering insurance CE for years using webinars and text-based self-paced online training. This article covers the broad definition of a webinar and how it’s used in insurance continuing education. That includes the compelling benefits of insurance CE webinars, including no final exam.

What Is a Webinar?

The broad definition is that a webinar is an online event broadcast via the Internet to a group of individuals on their computers, tablets, or even smartphones. It is also called a web seminar, webcast, or online event. 

With the rise of Zoom and other online video conferencing systems, nearly everyone, from grade school students to senior citizens, is familiar with the basic framework of audio and visual presentations via webinars. While a webinar can be a pre-recorded video presentation, the best approach is a live presentation, which allows interaction between the presenter and the audience.

Here at BetterCE, a webinar is an online instructor-led presentation. Instructors share their screens, their files, and their knowledge via audio and video in real time. This allows students to ask questions and receive answers helping them and their fellow students better understand the content so they can use it immediately in their work.  And our insurance CE webinars do not require a final exam. 

Callout 1: Laptop screen open to live webinar on desk.- what is a webinar? - definition given

Why Do Webinars Work Great for Insurance Continuing Education?

Webinars are a great way to deliver insurance continuing education. Here are the key reasons.

  • Perfect Presentations. Webinars provide top-notch instructors with extensive experience and expertise. With that background, they deliver engaging content for their audiences. They also get real-time feedback with questions and discussions that fully explain every topic. 
  • Convenience and Time Savings. Since webinars are delivered via any computer, smartphone, or tablet with an Internet connection, travel time, cost, and hassle are a thing of the past. You only need to dedicate your time to the actual presentation, wherever you may be.
  • Meet State CE Attendance Requirements. Many states mandate classroom or classroom-equivalent attendance for students to receive insurance continuing education credits. Fortunately, almost every state insurance regulator now approves live webinars as if they were traditional classroom courses. BetterCE confirms attendance by requiring students to check in randomly throughout the webinar.
  • No Quizzes or Final Exams. With webinars, in-person attendance and participation are the only requirements. There are no quizzes and no final exams. Plus, there are no required reading materials or final exam monitor requirements. It couldn’t get easier.  

Callout 2: why do webinars work great for insurance continuing education?- four reasons listed

You can find the BetterCE continuing education webinars available in our course catalog. Simply select your state, and you can view our list of upcoming webinars, as well as view our text-based courses and complete compliance packages. 

Our course catalog pages also offer every resource agents need to manage their insurance licenses. You can view your renewal requirements, check your license status, view your CE transcript, and even access your renewal application. 

Certificates of course completion are generated shortly after course completion. And we report your continuing education course credits to the state insurance department the very same day you complete the training.

We also offer online text-based self-paced training. See our blog article Differences Between Webinar Courses and Traditional Online Text-Based Courses for further information on finding just the right balance of coursework for your continuing education.

Now Is the Time to Start Your Continuing Education

Start today with Better CE. Select all the courses you need with one click on our Course Catalog Page!

At BetterCE, we provide more than the most convenient and affordable solution for insurance continuing education. Our agent support services are provided by experienced insurance licensing professionals who have helped thousands of agents easily navigate the renewal process.

Have a question or need assistance? Phone 1-888-501-7330 for our customer care team. We also respond to emails as well as via our Contact Form. You can sign up for convenient license renewal reminders on our contact page.