24 CE/2 yrs, 3 ethics, report 7 days; requirements vary by license.

CE Requirements for Licensed Insurance Professionals

Stay compliant, stay licensed, and stay ahead with clear CE guidance, state requirement links, course planning support, and practical renewal preparation for insurance professionals.

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What Are CEUs?

Continuing Education Units, or CEUs, are state-mandated training hours that insurance professionals must complete to maintain active licenses. These hours help agents, adjusters, producers, and other licensed professionals stay current with changing laws, regulations, products, ethical standards, and consumer protection requirements.

Each CE hour typically represents approved instructional time through a recognized provider. State insurance departments determine how many CE hours are required, how often they must be completed, whether ethics training is mandatory, and how course completions must be reported.

Why CE Matters

The insurance industry changes constantly through new legislation, updated underwriting guidelines, revised claims standards, changing consumer expectations, and evolving ethical requirements.

  • Stay compliant with your state Department of Insurance.
  • Maintain your license and professional standing.
  • Expand your coverage, claims, compliance, and product knowledge.
  • Protect your clients, your agency, and your career.

Staying Compliant

  1. Know your renewal cycle and CE deadline.
  2. Track CE hours early instead of waiting until renewal month.
  3. Confirm that your provider and course are state-approved.
  4. Complete required ethics or specialty training.
  5. Keep certificates and transcripts for your records.
  6. Verify reporting through Sircon or your state licensing system.

How to Track Your CE Hours Through Sircon

Sircon is commonly used for insurance licensing and continuing education transcript tracking. Licensed professionals can use Sircon to review CE progress, confirm reported courses, check renewal dates, and verify whether completed courses have been accepted.

Check completed hours

Review how many CE hours have been reported and accepted.

Confirm ethics status

Verify whether your ethics requirement has been satisfied.

Review deadlines

Check license expiration and renewal timing before your deadline.

Verify provider reporting

Confirm whether completed courses have posted to your transcript.

Download records

Save or print transcript records and certificates for backup.

Plan early

Allow processing time before renewal to avoid last-minute compliance issues.

Tip: Complete CE well before your renewal date. Reporting may take several days, and state systems may require additional processing time.

Consequences of Non-Compliance

Failing to complete CE requirements before your renewal deadline can create serious licensing problems. Penalties vary by state, but common consequences include:

  • License suspension or inactive license status.
  • Fines, late fees, or reinstatement penalties.
  • Loss of commissions while inactive.
  • Additional documentation or reactivation requirements.
  • Permanent compliance history in state licensing records.

Texas: Failure to complete CE hours before renewal may result in a fine per missing hour and temporary loss of good standing with the Texas Department of Insurance.

Understanding Reciprocity

Reciprocity allows licensed professionals in one state to apply for certain non-resident licenses in another state without retaking the state exam. However, licensing reciprocity does not always mean continuing education reciprocity. Your home state may still require you to complete resident-state CE hours to keep your license active.

Example: A Texas adjuster licensed in Louisiana through reciprocity may still need to complete Texas CE requirements to keep the Texas resident license in good standing.

CE Hours Calculator

Use the Mosaic CE calculator to estimate remaining continuing education hours, ethics hours, specialty requirements, renewal timing, and compliance status based on your licensing details.

This calculator supports practical CE planning before renewal. Final requirements should always be verified with your state insurance department.

CE Compliance Calculator

Enter completed hours to estimate remaining CE, ethics and class-equivalent requirements. Final compliance should be verified with the applicable regulator or reporting system.

State-by-State CE Requirements

This directory is synchronized to the states currently supported by the Mosaic CE platform. Select your state to review requirement details and available CE guidance.

  • Texas
  • California
  • Florida
  • Georgia
  • Louisiana
  • Oklahoma
  • Arizona
  • New York
  • Illinois
  • Missouri
  • Nevada
  • Colorado
  • North Carolina
  • Tennessee
  • Washington
  • Massachusetts
  • Connecticut
  • Pennsylvania
  • Ohio
  • South Carolina
  • Virginia
  • Hawaii
  • Alaska
  • Commonly 24 hours every 2 years.
  • Commonly 24 hours every 2 years.
  • Commonly 24 hours every 2 years.
  • Commonly 24 hours every 2 years.
  • Commonly 24 hours every 2 years.
  • Commonly 24 hours every 2 years.
  • Commonly 48 hours every 4 years.
  • Commonly 15 hours every 2 years.
  • Commonly 24 hours every 2 years.
  • Commonly 16 hours every 2 years.
  • Commonly 30 hours every 3 years.
  • Commonly 24 hours every 2 years.
  • Commonly 24 hours every 2 years.
  • Commonly 24 hours every 2 years.
  • Commonly 24 hours every 2 years.
  • Requirements may vary by license type and cycle.
  • Commonly 24 hours every 2 years.
  • Commonly 24 hours every 2 years.
  • Commonly 24 hours every 2 years.
  • Commonly 24 hours every 2 years.
  • Commonly 16 hours every 2 years.
  • CE requirements vary by license type.
  • CE requirements vary by license type.
  • Commonly 3 hours ethics; TDI reporting applies.
  • Ethics and product-specific training may apply.
  • Law and ethics requirements may apply.
  • Ethics requirement may apply.
  • Ethics and flood requirements may apply for P&C.
  • Ethics requirement may apply.
  • Ethics requirement may apply.
  • Limited reciprocity and NY-specific CE may apply.
  • Ethics requirement may apply.
  • Ethics requirement may apply.
  • Ethics requirement may apply.
  • Ethics requirement may apply.
  • Ethics requirement may apply.
  • Ethics requirement may apply.
  • Ethics requirement may apply.
  • Limited reciprocity may apply.
  • Ethics or law requirement may apply.
  • Ethics requirement may apply.
  • Ethics requirement may apply.
  • Ethics requirement may apply.
  • Ethics requirement may apply.
  • Limited reciprocity considerations may apply.
  • Verify current resident and non-resident rules.