General Requirements
Utah Major Lines Licensed Insurance Agents are required to complete 24 credits of continuing education every 2 years prior to their license expiration date. Of the 24 Credits required, 3 credits must be done in the category of Ethics Training). The remaining requirements are “non-license type specific”: Agents can take courses in any topic as long as they are approved by the Utah Department of Insurance.
At least 12 credit hours must be completed in the classroom or a classroom equivalent type course, and no more than 12 credit hours may be from courses provided by an insurer.
Major Lines include: Life, Accident and Sickness, Property, Casualty, and Personal Lines. Producers licensed in multiple major lines (Property and Life, for example) are only required to meet the same requirements as Producers with single lines of licensing. In other words: you only have to take 24 credit hours of CE if you hold multiple lines of licensing.
Licenses are eligible for renewal when:
- all CE Requirements have been completed, and
- when the licensee is within 90 days of their license expiration date.
Special Training Requirements
There are special training requirements for Utah insurance agents who sell certain products. These courses count towards your CE Requirements.
Long Term Care
Utah 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.
Annuity Training
Any Utah life insurance agent who sells, solicits or negotiates an annuity product must complete a one-time, 4 Hour Annuity Suitability course prior to selling.
Flood Insurance
Utah insurance agents who sell Flood Insurance must complete a 1 –time, 3 hour Flood Training Course.
CE Exemptions and Reductions
There are limited exemptions from CE Requirements for some Utah 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.
A licensee whose license lapses due to military service, voluntary service for a period of time designated by the person for whom the licensee provides voluntary service, or some other extenuating circumstance, such as long-term medical disability, may be exempt from the continuing education requirements in order to reinstate the license.
Licensees who were first licensed before December 31, 1982,may also be exempt from continuing education requirements.
Producers holding and maintaining the following designations are deemed to have met the CE requirements: CLU, ChFC and RHU with completion of the PACE program; CPCU with completion of the CPD program; and CFP, REBC, CIC, ACSR, CRM, SOFE, or IRES with completion of their continuing education 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 atmcovington@utah.govto inform her of your attached letter.
Course Repeat Restrictions
Agents will not receive credit for the same course taken within the same renewal period.
Carryover Credits
Any credits earned in excess of the 24 credit requirements cannot be carried over to future renewal periods.
Late Renewal and Reinstatements
There are no grace periods if a license is not renewed on or before the expiration date. Utah insurance agents who fail to meet their renewal requirements prior to their license expiration date will be considered lapsed and they are prohibited from transacting insurance business. Agents have up to 1 year to renew their license by completing all outstanding CE Requirements and paying a late renewal fee of $50 ($125 total). Agents who do not renew within 1 year oft heir license expiration date must relicense.
Utah Insurance Agent Continuing Education & Renewal Requirements Summary
| Renewal Term | Every 2 Years |
| Renewal Date | Last Day of Birth Month – Every 2 Years |
| CE Requirements | 24 Credits Total (3 in Ethics + 21 General) |
| Course Requirements | Non-License Type Specific (Courses May Be Taken in Any Approved Subject Matter) |
| Special Training | 1 Time Annuity Training Course ”. Long Term Care – 8 Hour Initial, 4 Hours Every Renewal Period Following |
| Exemptions | Non – resident Agents. Active Military. Individuals Licensed Before December 31, 1982. Special Industry Designations (See Above). |
| Renewal Fee | $75 |
| Renewal Site | NIPR.com or Sircon |
| Missed Renewal | License Lapsed After Expiration Date |
| Late Renewal, Reinstatement, Fees | Late Renewal up to 1 year + $50 in Addition to Renewal Fee. After 1 Year – Relicense |
| Carryover Credits | Credits Earned in Excess of Requirements Are Not Carried Forward |
| Course Repeat Restrictions | No Credits for Courses Repeated Within the Same Renewal Period |
Utah Department of Insurance Contact Information
Website: https://insurance.utah.gov/
Main Switchboard: 801-957-9200
Licensing Switchboard: 801-957-9240
Licensing Division Group Email: licensing.uid@utah.gov
Utah Insurance Department
4315 S 2700 W Taylorsville Suite 2300, UT 84129
