License Renewal Requirements

What Are My New Mexico Insurance License Renewal Requirements?

Posted on 06.05.25

Meeting your New Mexico insurance license requirements is not just about staying legal but about staying ready. As insurance professionals, you are responsible for more than just your clients’ policies. You also have to keep up with compliance rules that change over time. At BetterCE, we design our insurance CE courses to make that process easier, clearer, and more efficient for agents across the state.

This article explores everything New Mexico insurance professionals need to know about staying compliant.

Understand the CE Requirements for Each License Type

Every licensed insurance producer in New Mexico who holds a Life, Health, Property, Casualty, or Personal Lines license must complete 24 hours of New Mexico insurance license continuing education every two years. These 24 hours are split into general and ethics components.

At least 3 of those 24 hours must be in ethics, and another 3 hours must be completed through a classroom, classroom-equivalent, or live webinar format. The rest can be done online, using self-paced, text-based courses.

New Mexico’s rules are license type-specific, so your CE courses must match your active line(s) of authority. For example, if your license covers Life and Health, your CE courses need to be approved for those specific lines of authority. If you are a Property and Casualty producer, your courses must be approved for those specific lines. Agent who are multi-lines licensed (Property & Casualty and Life or Health) only need to complete 24 credits total and must complete courses approved for at least one of their license types held.

Some producers may be exempt from CE if they meet the 25-year rule. You may qualify for a waiver if you have held your license in good standing for at least 25 years without any lapses longer than 90 days. However, agents who sell Long-Term Care, Flood, or Stop Loss products must still fulfill the special training requirements required to sell these types of policies.

When and How to Renew Your Insurance License

Timing matters when it comes to your New Mexico insurance license renewal. You must complete all CE requirements and submit your renewal application prior to your license expiration date. License expiration dates occur on the last day of your birth month, every 2 years. Agents can locate their expiration date and other license info using the NAIC License Manager.

Renewal is not automatic after completing your CE. You still need to submit your renewal application and pay your renewal fee. The state opens your renewal window 90 days before your license expiration date. During that window, you may submit your application through the National Insurance Producer Registry (NIPR) or Sircon. The renewal fee is $60. We always encourage agents to start early to avoid last-minute issues.

There are additional penalties if you fail to renew your license prior to your expiration date and wish to reinstate your license:

If you late renew within 30 days, there is an additional fee of $90, plus the renewal fee of $60 ($150 total).
If you renew between day 31 and one year after expiration, the late renewal fee is $120 in addition to the $60 renewal fee ($180 total) . .

Your license is considered lapsed if you fail to complete your CE and renew your license within 1 year of your license expiration date. You will be required to re-test and re-fingerprint to obtain an active insurance license. Once your CE is completed and reported, your compliance status will be reflected in the state system.

At BetterCE, we report your completed CE credits online directly to the state on the same day as courses are completed, so there is no need for paperwork on your part.

Ethics and Special Training Rules You Should Know

Every producer must complete 3 hours of ethics training as part of their 24-credit requirement. The course must be approved by the New Mexico Office of Superintendent of Insurance.

Agent selling certain types of products must complete specialized CE training that counts toward their 24 credit requirement:

Flood Insurance: Producers must complete a one-time, 3-hour NFIP course before they can sell flood policies.
Long-Term Care (LTC): Agents must first complete an 8-hour initial training course. Then, they must complete a 4-hour refresher course every two years.
Stop Loss Insurance: To sell stop loss, producers must complete an 8-hour course focused specifically on that product.

These specialized training courses ensure producers understand the legal, financial, and ethical aspects of high-stakes policy types. At BetterCE, we offer state-approved courses for all of these areas. Our goal is to give you the tools you need to serve clients and meet all regulatory expectations.

Renew Your New Mexico License With Confidence

Navigating your New Mexico insurance license requirements does not need to be stressful. Once you know what is expected—how many hours, what formats are allowed, and what deadlines apply—you can approach your New Mexico insurance license renewal with confidence and clarity.

At BetterCE, we support insurance professionals throughout every step of their CE journey. Whether you are preparing for your New Mexico insurance license exam, meeting ethics standards, or completing your 24-hour CE cycle, our online tools and expert-designed courses are here to help. Start your CE courses with BetterCE today.

Avoid the Last-Minute Rush: Complete Your Insurance CE Requirements on Time

Posted on 01.21.25

Completing an insurance license renewal is an important step for anyone working in the insurance industry. Completing your continuing education (CE) requirements ensures you stay compliant and grow as a professional. Meeting these requirements may seem challenging at first, but with some planning and the right resources, it becomes much more manageable. This article will guide you through the process and highlight common obstacles. At BetterCE, we make insurance continuing education more enjoyable for busy insurance professionals.

Why Completing Insurance License Requirements Is Crucial

Many people wait until the last minute to complete their CE credits, which can lead to unnecessary stress.

Data shows how widespread this issue is:

About 90% of professionals are non-compliant 340 days before the deadline.
At 100 days out, 80% have not even started.
By the 60-day mark, 67% still have not completed their requirements.
Even 30 days before the deadline, 60% remain non-compliant.
Most people finish their CE credits within the last 15 to 2 days before their license expires.

Common Challenges in Completing CE Requirements on Time

Waiting too long can create many problems, from errors in course selection to technical delays with license renewal systems.

The Rush at the Last Minute

Many people leave their CE courses until the final week before their deadline. This is risky because rushing through the material increases the chances of mistakes. About 20 percent of professionals complete their CE credits just days before their license expires, which leaves very little room for unexpected issues.

Technical Delays

Even if you finish your CE courses on time, you might face technical delays when submitting your renewal application. During peak periods, state systems can take longer to process requests. If you wait until the last minute, these delays could prevent you from renewing your license on time.

Balancing Work and Continuing Education (CE)

Insurance professionals are busy. Between managing client meetings, administrative tasks, and personal responsibilities, it can be difficult to find time for CE courses. Without a clear plan, it is easy to feel overwhelmed.

Tips for Completing Your Insurance CE Successfully

With proper planning, you can complete your CE credits without the last-minute rush. Here are some tips to keep in mind:

Plan Ahead

The first step is to know your CE Requirements. Knowing what you need to complete helps you plan better and avoid surprises. BetterCE makes this process easy. On our State Requirements Pages, you can view your state-specific CE requirements, view your CE transcript, access your renewal application, and locate a variety of resources to help you easily manage your insurance license..

Follow a Consistent Study Schedule

Set aside specific times each week to focus on your CE courses. Treat these sessions like you would an important client meeting—make them a priority. Some people find it helpful to study in the morning, while others prefer evenings. Whatever your schedule looks like, stay consistent.

Find Your Ideal Study Space

Your environment plays a big role in how productive you are. Some people prefer a quiet room with no distractions, while others focus better in a coffee shop or library. Experiment to find what works best for you. The key is to choose a space where you can concentrate fully on your coursework.

Engage With the Course Material

Do not just skim through your courses. Take time to understand the concepts and consider how they apply to your work. Ask questions, participate in discussions, and try to connect what you learn to real-world scenarios.

Use the Right Learning Tools

Choosing the right platform can make a significant difference. BetterCE offers instant scoring, unlimited retakes, and same-day reporting of your credits. Our courses are available on any device, allowing you to study from your computer, tablet, or phone.

Start Early to Master Your CE and Ensure On-Time License Renewal

Completing your insurance license requirements does not have to be a last-minute scramble. By starting early, creating a plan, and using BetterCE, you can finish your continuing education (CE) courses on time without unnecessary stress.

At BetterCE, we are here to help you every step of the way. Our platform is designed for busy professionals who need a simple and efficient way to fulfill their CE requirements. Contact us today to complete your CE insurance credits.

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

Posted on 09.17.24

Renewing your Delaware insurance license on time is crucial to avoid unnecessary financial strain and disruptions in your career. Missing the renewal deadline can lead to hefty late fees and penalties, hindering your ability to legally operate as an insurance agent.

At BetterCE, we understand how challenging it can be to keep up with these deadlines. That’s why we provide online continuing education for insurance courses designed to help you stay compliant. We ensure your renewal process is smooth and stress-free.

This article discusses the importance of timely renewal of your Delaware insurance license.

Delaware Insurance License Renewal Requirements

You must complete specific renewal requirements every two years to maintain an active Delaware insurance license. The Delaware Department of Insurance mandates that all licensed agents complete 24 hours of insurance CE, with at least 3 of those hours dedicated to ethics training. This ensures you stay updated on industry standards and ethical practices while keeping your license in good standing.

In addition to the general education requirements, certain agents must fulfill special training obligations. For instance, if you sell flood insurance, you need to complete a one-time, 2-hour flood training course.

Similarly, if you’re involved in selling annuities, a 4-hour annuity suitability course is mandatory before making any sales. Agents who solicit long-term care insurance must also complete a 3-hour training course on Delaware-specific long-term care laws and regulations within the biennial period.

Completing these requirements before your license expiration date is essential to avoid complications. We recommend that you plan your insurance CE early and keep track of your progress to ensure you can renew your Delaware insurance license without any issues. BetterCE is here to help you navigate these requirements and provide the necessary courses to stay compliant.

Late Fees for Delaware Insurance License Renewal

The renewal deadline for your Delaware insurance license falls on the last day of February in even-numbered years. If you miss this deadline, you’ll face a $100 late fee for renewals completed between March 1st and August 31st.

However, the fees escalate significantly if you delay your renewal past August 31st. Renewing your license after September 1st incurs not only the $100 late fee but also an additional $200 administrative fee, bringing the total cost to $300.

Failing to renew on time can also lead to suspension of your license, preventing you from legally conducting business until all requirements are met.

Delaware Insurance License Renewal Process

Renewing your Delaware insurance license involves a straightforward process that ensures you remain compliant with state regulations. To successfully renew your license, you must complete specific continuing education for insurance requirements, submit your renewal application, and pay the necessary fees.

Here’s a step-by-step breakdown of the process:

Step 1: Complete Your Delaware Insurance Agent CE

Start by completing the required state of Delaware insurance agent CE. You need to finish 24 credit hours of Delaware insurance license courses every two years, with at least 3 hours in ethics.

At BetterCE, we provide all the courses you need to fulfill these requirements. Completing your CE education early is crucial to avoid any last-minute issues that could delay your renewal. We also offer live webinars. You can view our Delaware Webinar Catalog.

Step 2: Submit Your Renewal Application

After finishing your Delaware insurance license course requirements, you must submit your renewal application through the National Insurance Producer Registry (NIPR) or other designated platforms like Sircon. This submission is essential to officially start the renewal process and should be done well before the license expiration date.

Step 3: Pay the Renewal Fees

The final step is paying the renewal fee of $100 per line of authority. To avoid late fees, ensure you complete this payment before the deadline.

Maintaining Your Delaware Insurance License: Avoiding Fees and Penalties

To keep your Delaware insurance license in good standing and avoid unnecessary fees and penalties, here are some crucial tips:

Complete CE Early: Finish your Delaware insurance license continuing education requirements well before the deadline to avoid last-minute stress. We recommend completing your CE at least 5 days before your license expiration date.
Use BetterCE’s Reminder Services: Sign up for our free reminder services to receive timely alerts about your CE progress and renewal dates.
Keep Records: Keep detailed records of your completed CE certificates and renewal applications to resolve disputes or issues quickly. You can access your certificates for completed courses at any time from your My Courses section of your account.
Submit Early: Don’t wait until the last minute to submit your renewal application and fees; early submission helps prevent delays and costly late penalties.

Take Control of Your Delaware Insurance License Renewal

Renewing your Delaware insurance license on time is essential to avoid hefty late fees and protect your professional reputation. By staying proactive with your continuing education and leveraging BetterCE’s reminder services, you can navigate the renewal process smoothly and maintain your license without stress.

Don’t let missed deadlines disrupt your career—ensure you complete your Delaware insurance license requirements early and submit all necessary documents and fees on time. Visit BetterCE today to get started on your continuing education and keep your license in good standing.

What Happens if I Don’t Complete My Insurance CE by My CE Due Date in Florida?

Posted on 09.09.24

Florida has different rules than most other states when it comes to keeping your insurance license active. To begin with, Florida insurance licenses are considered “perpetual.” There is no “renewal” requirement, and there are no application or renewal fees. The main determinant of whether a license stays active is whether the agent maintains at least one active appointment. An appointment is authority given by an insurer or employer to a licensee to transact insurance or adjust claims on behalf of an insurer or employer.

The only way the license can be canceled or expire (other than through administrative actions or by request) is if the licensee fails to maintain at least one appointment for more than 48 months.

Failing to complete your CE requirements by your CE due date does not mean that your license will expire. Your license will still remain active, and you will have up to 90 days to complete your CE requirements, pay a fine of $250, and sign a stipulation agreement to keep your appointments active. If you do not do this within 90 days, all appointments will be canceled, and you will be prohibited from transacting any new insurance business.

Your license will still technically remain active for a period of 48 months from the date your appointments were terminated, but you will be prohibited from transacting any new insurance business. However, you can continue to service and receive commissions for business earned prior to the appointment termination.

During the timeframe of 90 days beyond your CE completion due date, up to 48 months beyond the dates your appointments were canceled, you can have your license reactivated without any penalty or fee by obtaining at least one appointment and completing any outstanding CE requirements.

What if I Just Want to Keep My License Active but Can’t Get an Appointment?

Many insurance agents find themselves in a situation where they do not actively sell insurance, but they wish to keep their license active anyway. Florida’s appointment requirement can make this challenging since most insurers and agencies want agents to be actively selling to provide them with an appointment.

The good news is that Florida does offer agents the ability to keep their license active beyond the 48-month requirement by filing for an “unaffiliated” or “self-appointment.” This type of appointment allows you to serve as a consultant and will keep your license active beyond the 48-month requirement.

However, you are not allowed to be appointed by any other company or entity, and you cannot receive commissions from any company or agency for business conducted while self-appointed. You will still need to meet any outstanding and upcoming CE requirements. Information on how to obtain this type of appointment is available on the MyFloridaCFO website FAQ page: MyFloridaCFO FAQ > eAppoint and Appointments.

Additional information on this topic, and other helpful tips and answers to commonly asked questions are available on the MyFloridaCFO website FAQ page: MyFloridaCFO FAQ.

BetterCE Is 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 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 via our Contact Form.

What Are My Mississippi Insurance License Renewal Requirements?

Posted on 09.02.24

Maintaining your Mississippi insurance license is crucial for uninterrupted professional growth and compliance. Staying updated ensures you never hit a snag in your professional journey.

But do you know what it takes to navigate the renewal process seamlessly? Whether you’re a seasoned agent or fresh from Mississippi insurance license classes, this guide will simplify the complexities of renewal, helping you stay compliant and focused on what you do best—serving your clients.

At BetterCE, we provide the necessary continuing education courses to help you meet your CE requirements efficiently.

License Types and Their Renewal Requirements

When renewing your Mississippi insurance license, it’s important to understand the types of licenses and their specific renewal protocols.

Understanding License Types in Mississippi

In Mississippi, insurance agents have specific continuing education (CE) needs depending on their license types. At BetterCE, we specialize in providing CE courses tailored to various insurance agent profiles, focusing on those holding Property and/or Casualty, Multi-Line, and Life and/or Accident & Sickness licenses.

All licenses require renewal every two years, with the expiration on the last day of your birth month. To renew any Mississippi licensing type, agents must complete 24 hours of continuing education (CE), including 3 hours focused on ethics. This is mandatory unless the license has been active only between thirteen and eighteen months, in which case only 12 hours of CE are required.

Continuing Education (CE) Requirements

If you’re a Mississippi insurance agent, staying compliant with your CE is crucial for maintaining your Mississippi insurance license. Whether you’re taking Mississippi insurance pre-licensing courses for the first time or gearing up for another license renewal in Mississippi, understanding these requirements is key.

Specific CE Requirements for Mississippi Agents

Here’s what you need to know about the CE requirements for Mississippi licensing:

Total Hours Required: Every two years, licensed agents must complete 24 hours of CE to renew their licenses. This includes three hours specifically dedicated to ethics, ensuring that agents uphold the highest standards of professional conduct.
Timeframe for Completion: It’s advisable to complete all CE requirements at least 30 days before your license expires. This timeframe allows your CE provider to report your credits to the Mississippi Insurance Department efficiently, thus avoiding any last-minute complications during your license renewal in Mississippi.
Course Completion and Reporting: After you finish your CE courses, the education provider will report your completion to the state. It is also recommended that you keep personal records of your CE certificates, as this aids in verifying your compliance should any discrepancies arise.

Advantages of Early CE Completion

Completing your CE requirements early offers several advantages:

Ensures Compliance: Early completion means you’re always ready for license renewal in Mississippi, avoiding any last-minute rush that could jeopardize your compliance status.
Avoids Penalties: The late renewal fee is $50, making timely compliance financially beneficial.
Professional Development: Regular, early completion of CE courses can lead to better professional preparedness and opportunities for advancement in your insurance career.

Insurance License Renewal Process Steps

Renewing your Mississippi insurance license is a straightforward process that ensures you continue your practice without interruption. Here’s a step-by-step guide to help you navigate the renewal process effectively:

Complete Continuing Education: First, ensure you complete the required 24 hours of CE. At BetterCE, we offer various courses that are specifically designed to fulfill these requirements efficiently.
Complete the Renewal Application: Access the renewal section by logging in to the NIPR or Sircon platforms. These sites facilitate the renewal process where you initially apply for your Mississippi insurance license.
Submit and Pay for Renewal: Submit your renewal application and pay the renewal fee of $100. The Mississippi Insurance Department does not charge for processing, but NIPR and Sircon might charge a fee of $5.60. To avoid late fees, complete this step at least 30 days before your license expires.

Find courses in our Mississippi Insurance Continuing Education Course Catalog

Streamline Your Mississippi License Renewal with BetterCE

Navigating the Mississippi insurance license renewal process requires diligence and timely action. From completing the requisite continuing education hours to ensuring timely submission and payment on the NIPR or Sircon platforms, each step is crucial to maintaining your licensure without interruption. Being proactive secures your professional standing and minimizes the stress associated with last-minute compliance.

If you need to renew your license in Mississippi, sign up for the CE courses we offer at BetterCE. We specialize in providing comprehensive continuing education tailored to simplify and enhance the renewal process for Mississippi insurance agents. Explore our courses today to ensure your continued compliance and professional development. Contact us today if you have questions or need assistance.