MyCEonline has partnered with WebCE to help you meet your Pennsylvania Continuing Education Requirements online with quality courses priced affordably. You can click on the above link to get started. For your convenience, we have published below current Pennsylvania Insurance CE requirements as well as state contact information.
Required Continuing Education Hours
Life and Health Producers
24 CE hours are required every 2-year license term. (See “License Term” below)
Producers planning to sell the following product(s) have special training or education requirements as described below:
Special Training/Education Requirements
Long-Term Care (LTC) Insurance
Long-Term Care training requirement: Before selling, soliciting, or negotiating LTC insurance products in Pennsylvania, producers must complete a state-authored one-hour LTC training course. (Go to the course catalog to order WebCE’s Pennsylvania Medicaid Long Term Care Services, which fulfills this requirement.)
Property and Casualty Producers
24 CE hours are required every 2-year license term. (See “License Term” below)
Producers planning to sell the following product(s) have special training or education requirements as described below:
Special Training/Education Requirements
Flood Insurance
Before selling flood insurance, licensees must complete a one-time, 3-hour training class on flood insurance and the National Flood Insurance Program. (Go to the course catalog to order WebCE’s National Flood Insurance Program: What You Must Know, which fulfills this requirement.)
Title Agents
24 CE hours are required every 2-year license term. (See “License Term” below)
License Term
The license term is every 2 years ending on the last day of your birth month. CE requirements must be met on or before the expiration date on your current license.
Click here to read the Pennsylvania memo regarding conversion to birth month expiration.
Credit will not be given to a student who has passed the state exam but has not yet received a license number.
CE Subject Requirements
- Category restrictions: Any course approved for CE in Pennsylvania may be taken for credit. Credit will not be given to a student who has passed the state exam but has not yet received a license number.
- Course presentation: Producers can take courses through self-study, including Internet, computer-based, and paper courses.
- Study requirements: Students must read the course material prior to taking a closed-book, proctored final exam.
Final Exam Requirements
- Exam proctor requirements: Self-study final exams are required to be proctored by a disinterested third party, someone other than a supervisor or relative.
- Exam rules: Self-study final exams are closed book. Producers may not refer to the course material while the exam is in progress. The final exam must be passed with a score of 70 percent or higher to receive credit. If the final exam is not passed on the first attempt, students have an unlimited number of retakes.
CE Carryover Allowance
A maximum of 24 excess CE credit hours may be carried over to the next 2-year license term.
Course Repetition Rules
Courses may not be repeated more than once in a 2-year license term.
Certificate of Completion
MyCEonline and WebCE provide online, printable certificates of completion in Pennsylvania. Certificates of completion are available to print online immediately after the final exam is passed. The producer must keep a copy of each certificate of completion in his or her files.
CE Completion Reporting
Next-Day Reporting - Our partner WebCE reports course completions electronically to Sircon every business day.
License Renewal Process
- Producers can renew their license online here.
- At this time, lapsed licenses cannot be renewed online. For further information on the renewal process for lapsed licenses, click here.
Nonresident CE Requirements
Nonresident producers planning to sell the following product(s) have special training or education requirements as described below:
Long-Term Care (LTC) Insurance
Long-Term Care training requirement: Before selling, soliciting, or negotiating LTC insurance products in Pennsylvania, producers must complete a state-authored one-hour LTC training course. (Go to the course catalog to order WebCE’s Pennsylvania Medicaid Long Term Care Services, which fulfills this requirement.)
CE Exemptions
The following licensees are exempt from CE requirements:
- Producers licensed prior to January 1, 1971, who have been continuously licensed without adding additional lines of authority
- Producers whose only line of authority is a limited line
- Public adjusters
- Surplus Lines licensees
- Nonresident insurance producers excluding Title producers
Individuals exempted by the commissioner due to hardship or good cause such as disability or a medical condition
- Individuals who first obtained licenses without examination under Section 609(c) of the Fraternal Benefit Societies Code and whose appointments are limited to fraternal benefit societies
Helpful Links
License Number Look Up
View your CE transcript
Renew your license online
Go to the Pennsylvania DOI Web site
Sircon Contact Information
Phone: 877-876-4430
Fax: 404-656-0874
Web site: www.sircon.com
State Contact Information
Pennsylvania Insurance Department
Phone: 717-787-3840
Fax: 717-787-8553
Email: ra-in-producer@state.pa.us
Mailing Address:
Pennsylvania Insurance Department
Bureau of Producer Services
1209 Strawberry Square
Harrisburg, PA 17120
Congratulations for deciding to explore the possibilities of pursuing a career in the business of insurance. I am very excited for you. Becoming an insurance agent requires many attributes and skills. Also, you must jump through all the hoops that your state will impose as well, such as pre-licensing education, state license qualifications and passing the state examination. This article will explore each of these topics so that you can get an idea of what is needed and required to become an insurance agent. Let’s not forget that the basic responsibility of insurance agents is to help individuals, families and business owners make wise decisions regarding their insurance needs. The agent has a fiduciary responsibility, in other words, the agent must put the prospect’s/client’s needs first, even above their own needs. Many years ago, the insurance agent was seen as a salesperson. Now, he/she is seen as a consultant that identifies problems and proposes appropriate solutions to those problems. If you can‘t work within this expectation then you should not pursue the business of insurance.
Personal Attributes and Skills –
There are many personal attributes and skills that are needed in order to have a chance of becoming a successful insurance agent. In the next few lines I will mention the ones that I believe to be the most important.
Authentic – a person that is authentic is someone that is genuine, not a poser, in other words, “what you see is what you get”. The old adage of “fake it until you make it” does not work well in the business of insurance.
Accepts Responsibility – willing and able to endure significant responsibility when making decisions and being accountable.
Openness – communicates openly, honestly, sincerely and consistently when assisting the client. The process should involve education, collaboration, and motivation so that the client understands and agrees with the final solution for their situation.
Commitment – committed to helping the client make the very best decisions in determining their insurance problems and their insurance solutions.
Integrity – maintains the highest standard of conduct and can be relied upon to get the job done with no surprises.
Positive Attitude – encourages a positive viewpoint rather than a negative one.
People Skills – a good listener that is able to build productive working relationships.
Proactive – rather than reactive and able to avoid mistakes that could and should be anticipated.
Judgment – can evaluate information, identify primary issues and develop solutions based on sound judgment, experience, and common sense.
Organized – well prepared with an organized purpose and process.
Obviously, there are many other attributes and skills that I could mention, but the ones listed represent some of the ones that would be most beneficial in the business of insurance. I am not suggesting that all of these attributes and skills must be in place before becoming an insurance agent, but they should be in the agent’s education process. One thing that I have failed to mention is that the education of an insurance agent never ends. The insurance industry is ever changing. A successful agent must be dedicated to continuous learning.
Choosing What to Offer
There are a multitude of insurance lines of coverage that an agent can offer his/her prospects and clients. Many agents will specialize in life, health, and variable annuity plans and others will offer automobile, homeowners, commercial property and casualty, and many other interesting lines of coverage. Agents with a very wide vision may offer both. Obviously, there are challenges associated with all insurance activities. Since you are researching this career choice, it would be a good idea to interview different agents to get an idea of what each line of coverage involves. Also, you might want to discuss in general the different ways that agents can be compensated. Commissions from life, health, and variable annuity placement are usually paid up front with a smaller renewal commission if any. With property and casualty lines of coverage the commissions are pretty much level as long as you have the account. This means that the first year commission will be a smaller percentage of the premium, but will continue from year to year. If there is an increase in the premium at renewal, then the commission will increase.
Pre-Licensing Education
Virtually all states require some amount of pre-licensing education. I would visit your state’s website to determine what is required. To use Florida as an example: for the life, health, and variable annuity license, 40 hours of pre-licensing education is required (I recommend ExamFX for your online Pre-Licensing Course). This course can be taken in a classroom setting or taken online in most states. The amount of time required in this part of the process will vary from state to state. After taking the pre-licensing course, a certificate of completion will be issued. This certificate will be needed to demonstrate to the state that you have completed the required pre-licensing education and you are ready to take the state exam.
State Licensing Qualifications and the State Exam
I mentioned the above two matters in the first paragraph of this article. To make sure that you are on track from the very beginning of your exploration of the business of insurance, you should refer to the State Licensing Qualification often. There is quite a bit of paperwork required, along with finger printing in the application process for the insurance license. Also, let’s not forget the State Exam. You should schedule your appointment to take your exam as soon as you can after taking the pre-licensing course. If you want to take a cram course, then take your exam as soon as you can after your cram course. By the way, cram courses are available in a classroom setting or online.
Conclusion
Insurance agents need to be smart, self-motivated, and enthusiastic about helping others. Also, they need to be dedicated to continuously learning about their prospects, clients, and their business. I have enjoyed many years in the insurance business and I hope to work in it for many years to come. So, come join me! If you have questions, please do not hesitate to email me at jerry@batemanlearning.com or call me at 1-800-693-6923 (Ext 2) or 407-927-1191.
Opportunity – The Demand for Insurance Agents Expected to Grow by 12%!
According to the US Dept of Labor, 2008, there were approximately 434,800 insurance agents in the U.S. Although the average amount earned was approximately $43,870 annually (according to a 2006 report), some hard working agents made as much as $120,000 per year. In fact, many have described the earning potential within this field as unlimited, determined only by one’s level of education, hard work and dedication
The employment of insurance agents is expected to increase by 12% through the year 2018. Many predict the demand for health insurance, Long Term Care Insurance, and other financial planning services designed specifically for the elderly will rise sharply as the population ages, thereby increasing the demand for professionals trained in this field.
Training – The Insurance Profession has Room for Everyone!
Employers often prefer to hire insurance agents with college degrees, particularly in Business or Economics. However, non graduates should not be counted out. Because of the complexity and diversity of this field, it is not uncommon to find high school graduates as well as college graduates, engineers, doctors, accountants and representatives from nearly every educational background. Agents are often hired based more on their proven sales experience, previous success in other areas of business, or experience in sociology or public speaking.
Job candidates who are multilingual or have a strong knowledge of relevant technical or legal terms often have the edge in getting hired.
Qualifications – Basic Qualifications Revolve around Character and Ethics
The basic qualifications for an insurance agent revolve around character and ethics: self motivation, enthusiasm, honesty, integrity, the ability to focus, follow through, and organize. Legal qualifications vary from state to state. To obtain a license to sell insurance, most states require applicants to complete a “pre-licensing” course and pass a state examination.
It is possible to train at home for a career in Insurance. Although pre-licensing courses are often available in the classroom setting, more and more prospective agents are finding online pre-licensing courses to be much more convenient and cost effective. Most of these online courses have built in exam prep tools to help you pass your state exam the first time. This is clearly an advantage over the traditional classroom venue. For online pre-licensing, we recommend ExamFX.
A prospective agent who has passed his pre-licensing course and state exam, with license in hand, more often finds himself in a more “employable position”. To keep your license in good standing, the agent must comply with state continuing education requirements and keep abreast with all relevant state and federal regulations.
The Insurance Profession can be both lucrative and personally satisfying for the individual willing to work hard and stay focused. You can take the first step of your new career by:
- Going to ExamFX
- Clicking on the Orange “Sign Up for ExamFX” Button
- Select your Exam (Example, Life and Health)
- Select your Location (your state)
- Select your Package
- Set Up your Account
Be sure to check with your state for specific requirements.
Call us with your questions: 1-800-693-6923 (Ext 2 – Jerry Bateman)
Career Training at Home; Online Career Training.
We are pleased to announce the availability of Health and Life Insurance Pre-Licensing at the unbelievable low introductory price of $49.95. Our partner, WebCE, has begun writing quality Online Insurance Pre-Licensing courses to be marketed at never before heard of discount prices, currently approved in 13 states. These states include Arizona, Iowa, Kansas, Maine, Massachusetts, Missouri, New Hampshire, New Mexico, South Carolina, Texas, Utah, Vermont and Virginia. The approval process for additional states is currently underway.
These new courses use current, concise material and feature…
- An Interactive Learning Experience
- Animated Instruction
- Online Note-taking
Most importantly, these courses feature the quality and price you would expect from MyInsuranceCE and WebCE and are designed to help you pass your state exam THE FIRST TIME! To get started, follow this link to our Online Insurance Continuing Education Center, scroll to the bottom, and click on “PreLicensing Course”. If your state is not included in the list of current approved states, call us for information on other quality providers at (800) 693-6923).
We are dedicated to providing state-specific online CE, and our partner, WebCE, has written a course to meet the new NAIC Suitability in Annuity Transaction Model Regulation training requirements in Colorado, Iowa and Oklahoma called, 4-Hour Annuity Training Course. This online course provides an in-depth look at the suitability and disclosure requirements that pertain to the sale and placement of annuity products, and has been approved by the Colorado Department of Insurance, Iowa Department of Insurance and the Oklahoma Department of Insurance as a NAIC Annuity in Suitability training and continuing education course.
We will continue to expand our curriculum to meet the state-specific producer training requirements for any state that adopts the new NAIC Suitability in Annuity training requirement. WebCE’s 4-hour Annuity training courses can be purchased for only $14.95 or added to a bundle of insurance CE courses. This price includes online course material, online exam, instant grading, online printable certificate of completion and next-day reporting.* Go to the Insurance Continuing Education Center or call 877-488-9308 for more information.
Colorada 4-Hour Annuity Training Requirement: Effective June 1, 2011, All producers currently licensed to sell, solicit, and negotiate annuity products must complete a one-time annuity training course approved for at least 4 hours by December 1, 2011. All producers licensed on or after June 1, 2011 must complete this training prior to selling, soliciting, or negotiating such products.
Iowa 4-Hour Annuity Training Requirement: Effective January 1st, 2011 Iowa Administrative Rule 191-15.72 requires all insurance producers selling annuity products in the state of Iowa to obtain 4 continuing education credits by an approved vendor offering an annuity products course. This is a one-time requirement and is not a condition of license renewal. This is a separate requirement than the already existing rule 15.80 for Indexed Insurance Products. WebCE also offers a course to fulfill this training requirement called, Introduction to Indexed Products.
Oklahoma 4-Hour Annuity Training Requirement: Producers licensed to sell, solicit, or negotiate annuity products prior to July 14, 2010 must complete a one-time annuity training course approved for at least 4 hours before July 14, 2011. Producers licensed on or after July 14, 2010, must complete this training prior to selling, soliciting, or negotiating such products.
To get started, go to our MyInsuranceCE/ WebCE Online Continuing Education Center, click on “Course Catalog” located in the margin to the far left, select your state, next choose your license type, and begin selecting your courses.
Did you know that you can satisfy your Georgia insurance continuing education requirements online? The Georgia Office of Insurance and Safety Fire Commission has determined that Life and Health agents, licensed less than 20 years, must complete 15 hours of insurance CE each year by December 31. P&C agents licensed less than 20 years must also complete 15 hours of insurance CE. Agents who have been licensed for 20 years or longer must complete 10 CE hours.
MyInsuranceCE, partnering with WebCE, has made it possible for you to meet your insurance CE requirements available online. This includes such state specific required courses such as Ethics, Long Term Care, Medicaid, Flood, and More. For more information about your Georgia Insurance Continuing Education Requirements, go to the MyInsuranceCE/ WebCE Partnership Site, click on “Course Catalog” in the margin to the far left, select your state (Georgia), choose your license type, and click on the “Insurance CE Requirements” link under the State Requirements heading. Here you will find detailed information regarding your state requirements as well as links for you to check your license status, view your CE transcript, renew your license online, and visit the Georgia DOI website.
MyInsuranceCE is affordable. Select up to 15 hours of insurance CE for just $39.95. You can access your courses anywhere and any time you have an Internet connection. Log in and out as often as you like until you have completed your studies. Your insurance CE credits will be reported to Circon within 1 business day of each course completion. Feel free to call toll free with your questions: 1-800-488-9308.
Here is a course that meets the 8 hour Texas Medicare Certification Requirement under TAC §19.1029.
CE Credits: 8 Hours
Price: $17.95
This course is designed to offer a thorough orientation to and understanding of Medicare Advantage plans and Part D Prescription Drug coverage. For the Texas agent, it provides the eight hours of Medicare-related products certification training required before marketing Medicare Advantage plans, Medicare Advantage Prescription Drug plans, or stand-alone Prescription Drug plans.
The course offers a general explanation of Medicare and covers the specific components of Medicare Advantage and Part D programs. It explains how Medicare-related products must be marketed as well as the sales and marketing practices that are prohibited. The course thoroughly prepares MA agents for suitable, appropriate, and compliant plan prospecting and enrollments.
Topics covered by the course are:
- The History of Medicare
- The Basics of Medicare
- An Overview of Medicare Advantage
- Medicare Advantage Marketing Guidelines
- Medicare Part D
- Marketing Medicare-Related Products in Texas
You can access this course by going to the MyInsuranceCE Insurance Continuing Education Center, clicking on the course catalog link in the far left column, select your state, license type, and then choose your course. Take advantage of the Bulk Pricing Discount – Up to 30 Hours of Insurance CE Courses for just $49.95!
The 4 and 8 Hour Hour Annuity courses, Ethics, Long Term Care (4 and 8 hour) and flood are among Other Texas required insurance CE courses available at our Insurance Continuing Education Center. For your Texas Insurance Continuing Education, look to MyCEonline for convenience, affordability, and quality.
Texas Insurance CE
Below you will find the continuing education requirements for insurance agents doing business in the state of Texas. Be sure to take advantage of the bulk pricing discount: Up to 30 hours of Online Insurance CE courses for just $49.95! Just click on “course catalog” in the left hand column, select your state (Texas), and begin choosing your courses.
Life and Health Producers
30 CE hours are required every 2-year license term. 2 hours of the required 30 CE hours must be in ethics and/or consumer protection. Those who hold more than one license are not required to complete more than 30 hours (including 2 hours of ethics and/or consumer protection). Producers must complete at least 15 hours (50% of their required CE) in certified classroom or classroom equivalent courses; up to 15 hours may be completed with self-study courses.
Producers planning to sell the following products have special training or education requirements as described below:
Special Training/Education Requirements
Annuity Training
- Initial 4-hour training requirement: Effective for licenses issued or renewed on or after April 1, 2010, all producers who sell, solicit, or negotiate or intend to sell, solicit, or negotiate a contract for an annuity must complete at least 4 hours of training that addresses annuity requirements for the State of Texas before the producer’s license expiration date. (Go to the course catalog to order WebCE’s Annuity Certification Training Course, which fulfills this requirement under TAC §19.1028)
Medicare Training
- Ongoing 4-hour training requirement: In each license term following the term in which the initial 8-hour certification course was completed, producers who continue to sell Medicare-related products must complete 4 hours of department-certified Medicare-related training as part of their general CE requirements. WebCE Course is Coming Soon!
Long-Term Care Partnership (LTCP)
- Initial 8-hour training requirement: Licensed LAH producers who plan to sell long-term care insurance in conjunction with Texas’s partnership program are required to first complete Department of Insurance-qualified and Texas-specific 8-hour LTC partnership certification training. The training must be completed no later than the date on which a represented carrier introduces a partnership policy. The 8 hours of LTC partnership training may be counted toward the producer’s CE requirement. (Go to the course catalog to order WebCE’s Texas-qualified Long-Term Care Partnership Certification course, which fulfills this requirement.)
- Ongoing 4-hour training requirement: In each license term following the term in which the initial 8-hour course was completed, producers who continue to sell LTC partnership insurance must complete 4 hours of department-certified LTC training as part of their general CE requirements. (Go to the course catalog to order WebCE’s Long-Term Care 4-Hour Training course, which fulfills this requirement.)
Property and Casualty Producers
30 CE hours are required every 2-year license term. 2 hours of the required 30 CE hours must be in ethics and/or consumer protection. Those who hold more than one license are not required to complete more than 30 hours (including 2 hours of ethics and/or consumer protection). Producers must complete at least 15 hours (50% of their required CE) in certified classroom or classroom equivalent courses; up to 15 hours may be completed with self-study courses.
Producers planning to sell the following products have special training or education requirements as described below:
Special Training/Education Requirements
Flood Insurance
To comply with the minimum training requirements established by the Federal Emergency Management Agency (FEMA), producers who sell standard flood insurance policies issued through the National Flood Insurance Program must complete a one-time 3-hour department-certified flood training course. (Go to the course catalog to order WebCE’s National Flood Insurance Program: What You Must Know, which fulfills this requirement.)
Life/Health Insurance Counselors, Managing General Agents (MGAs), Full-Time Home Office Employees
30 CE hours are required every 2-year license term. 2 hours of the required 30 CE hours must be in ethics and/or consumer protection. Those who hold more than one license are not required to complete more than 30 hours (including 2 hours of ethics and/or consumer protection). Producers must complete at least 15 hours (50% of their required CE) in certified classroom or classroom equivalent courses; up to 15 hours may be completed with self-study courses. Certain products require additional training; please see above “Special Training/Education Requirements” section.
Limited Lines (LAH, PC) Producers, County Mutual Producers, Life Insurance Less Than $15,000 Producers
10 CE hours are required every 2-year license term. 2 hours of the required 10 CE hours must be in ethics and/or consumer protection. Producers who hold more than one license are not required to complete more than 10 hours (including 2 hours of ethics and/or consumer protection). Producers must complete at least 5 hours (50% of their required CE) in certified classroom or classroom equivalent courses; up to 5 hours may be completed with self-study courses. Certain products require additional training; please see above “Special Training/Education Requirements” section.
Adjusters and Public Adjusters
30 CE hours are required every 2-year license term. 2 hours of the required 30 CE hours must be in ethics and/or consumer protection. Those who hold more than one license are not required to complete more than 30 hours (including 2 hours of ethics and/or consumer protection). Adjusters must complete at least 15 hours (50% of their required CE) in certified classroom or classroom equivalent courses; up to 15 hours may be completed with self-study courses.
Nonresident CE Requirements
A nonresident producer who becomes a Texas resident between renewals of his or her Texas license is immediately subject to Texas CE requirements and must complete a prorated schedule of CE study. Producers are encouraged to contact the Texas Department of Insurance to determine their CE requirements. See “State Contact Information” below.
Nonresident producers planning to sell the following products have special training or education requirements as described below:
Special Training/Education Requirements
Long-Term Care Partnership (LTCP)
- Ongoing 4-hour training requirement: Nonresident producers are advised to follow the ongoing LTC training requirements of their resident states and their insurers.
Annuity Training
- Initial 4-hour training requirement: Effective for licenses issued or renewed on or after April 1, 2010, all nonresident producers who sell, solicit, or negotiate or intend to sell, solicit, or negotiate a contract for an annuity must complete at least 4 hours of training that addresses annuity requirements for the State of Texas before the producer’s license expiration date. (Go to the course catalog to order WebCE’s Annuity Certification Training Course, which fulfills this requirement under TAC §19.1028)
- Ongoing 4-hour training requirement: Following the initial annuity training requirement, all nonresident producers who continue to sell annuity products must complete 4 hours of department-certified annuity continuing education every 12 months, calculated from the license renewal date. WebCE Course is Coming Soon!
Medicare Training
- Ongoing 4-hour training requirement: In each license term following the term in which the initial 8-hour certification course was completed, nonresident producers who continue to sell Medicare-related products must complete 4 hours of department-certified Medicare-related training as part of their general CE requirements. WebCE Course is Coming Soon!
For additional information on CE exemptions for nonresident licensees, see “CE Exemptions” below.
License Term
The license renewal date is 2 years from the license issuance date, and every 2 years following. All required continuing education hours must be completed before the expiration date of the license.
Example: For a renewal date of March 31, 2011, all CE must be completed on or before March 30, 2011.
CE Subject Requirements
- Category restrictions: Licensees must complete at least 50% of their required CE hours in certified classroom or classroom equivalent courses; up to 50% of CE hours may be completed with self-study courses. Those who hold more than one license are not required to complete more than 30 hours (10 hours for limited lines) including ethics and/or consumer protection.
- Course presentation: Continuing education credit can be earned for self-study courses (print or online), classroom courses, or classroom equivalent courses.
- Study requirements:
- For self-study courses, students should read the course material prior to taking an open-book, non-monitored final exam.
- For classroom equivalent courses, no final exam is required, but students must take and pass a series of interactive inquiries or quizzes throughout the course with a minimum score of 70 percent for each interactive quiz.
Final Exam Requirements
- Exam proctor requirements: Self-study final exams are open-book and do not require a proctor. Students may refer to the course material as often as needed.
- Exam rules: Self-study final exams courses are open-book. During the examination, producers may refer to the course materials or notes. The final exam must be passed with a score of at least 70 percent. If the final exam is not passed on the first attempt, students have an unlimited number of retakes.
CE Carryover Allowance
- Excess hours earned in one license term may not be carried forward to a subsequent license term.
- Producers are not allowed to correct a shortage of hours for a prior license term by completing additional hours in a subsequent license term.
Course Repetition Rules
Credit will not be given for any course taken more than once in any 2-year license term.
CE Completion Reporting
Twice-a-Day Reporting – WebCE reports course completions electronically to Sircon twice every business day.
In accordance with Texas Department of Insurance requirements and for courses completed on or after February 17, 2009, WebCE reports the CE credits earned and submits the CE filing fee to the Department’s CE administrator (Sircon).
Certificate of Completion
24 hours after successful course completion, WebCE will e-mail certificates of completion to the student’s e-mail address on file. If no e-mail address is on file, the certificate of completion will be mailed to the permanent address on file. Because WebCE reports CE credits directly to Sircon, students are required to maintain the original certificates of completion in their files for a minimum of 4 years from date of completion. These original certificates must be made available to the Texas Department of Insurance upon request.
License Renewal Process
Licensees can renew their licenses online here.
The Texas Department of Insurance considers the filing of a properly completed license renewal application as the licensee’s certification that all required CE hours have been completed for the license term. The renewal of a license does not relieve the licensee from satisfying the CE requirements for any license term. Failure to obtain the required CE hours without having requested and been granted a prior extension will subject the licensee to administrative action.
CE Exemptions
- Nonresident producers who are in compliance with their resident state’s CE requirements are exempt from the Texas CE requirement with the exception of the state-specific product training requirements (Annuity, Long-Term Care, and Medicare-related products).
- Nonresident adjusters who are not licensed in their home state or whose home state does not have a CE requirement may submit a letter of certification from another state in which they are licensed and in which they have completed continuing education study.
- Licensees who on or after January 1, 2003, have been continuously licensed for at least 20 years may apply for an exemption from the CE requirement. To apply for this exemption, licensees must submit a written request to the Department of Insurance.
- Producers may apply to the Texas Department of Insurance for an extension to receive more time to complete their CE requirement due to illness, medical disability, or circumstances beyond their control. Business reasons do not constitute circumstances beyond the producer’s control. Unless an extension has been granted, those who have not met their CE requirements by their license renewal date will be in violation of the state’s rules.
Helpful Links
License Number Look Up
View your CE transcript
Renew your license online
Go to the Texas DOI Web site
Sircon Contact Information
Phone: 877-876-4430
Fax: 404-656-0874
Web site: http://www.sircon.com/
State Contact Information
Texas Department of Insurance
Phone: 512-322-3503
Fax: 512-475-1819
Email: License@tdi.state.tx.us
Mailing Address:
Texas Department of Insurance
Agents Licensing Unit, 107-1A
P.O. Box 149104
Austin, TX 78714-9104
MyInsuranceCE / WebCE provides information as a courtesy to individuals who are subject to continuing education (CE) as insurance producers, agents, adjusters and/or brokers. Although reasonable efforts have been made to ensure that the information provided here is accurate and current, neither WebCE nor its employees warrant or represent that this information is accurate and current. All information is subject to change without notice.
Last updated on 7/2/2010
MyInsuranceCE and WebCE have made available two insurance CE courses to enable the Florida Life and Health agent to meet their senior suitability requirement:
Senior Suitability
Credit Hours: 3.0
Price: $13.95
In 2008, the state of Florida enacted a number of changes to its insurance laws that establish new requirements for the recommendation and sale of annuity products to seniors. The purpose of the changes is to provide greater protection to the state’s senior consumers by requiring agents and insurers to conform to specific and more precise suitability standards. This course reviews these new requirements and standards and explains why they were put into place. The course covers the following topics:
This course has been approved for the three hours of study Florida agents must have on the topic of insurance and annuity suitability and covers the topics cited by the Department of Financial Services in the senior suitability course outline.
Suitability of Annuity and Life Insurance Transactions for Seniors
This course was developed for Florida producers to set forth the state’s suitability requirements and suitability standards that apply to annuity sales to senior consumers. To protect the interests of this important consumer group, the state requires that agents conform to specific procedures and obtain certain information before making any annuity recommendation. The course explains these procedures and details the important client data that must be gathered for agents to make informed and suitable product recommendations. It also offers an overview of common annuity products and their features.
The course covers the following topics:
- The Need for Suitability Standards
- Features of Annuities
- Know Your Customer
- Ethics and Compliance Aspects of Senior Suitability
This course is designed to fulfill the three hours of study Florida agents must have on the topic of insurance and annuity suitability and covers the topics cited by the Department of Financial Services in the senior suitability course outline. It includes samples of the DFS’s “Annuity Suitability Questionnaire” and the “Disclosure and Comparison of Annuity Contracts.”
These two Insurance CE Courses are available online
To access either of these courses, click on the MyInsuranceCE/WebCE course catalog, select your state, then your license type, scroll down and select your courses, and then check out. You are now ready to begin your course studies. Its just that easy!
MyInsuranceCE and WebCE are pleased to announce the immediate availability of, Washington 4-Hour Long-Term Care Training, which fulfills the ongoing LTC training requirement in Washington. In addition to qualifying as an approved long-term care training course, Washington 4-Hour Long-Term Care Training, was also approved for 4-hours of Washington insurance CE credit.
MyInsuranceCE and WebCE offers a full catalog of Washington approved CE courses. Order, Washington 4-Hour Long-Term Care Training, today and pay just $14.95. Or, order all of the courses you need to fulfill your Washington insurance CE requirements for just $35.95.
LTC Training Requirement:
- Initial 8-hour LTC training requirement: Before selling, soliciting, or negotiating LTC insurance products, producers must complete an initial 8-hour, state-approved LTC training course. (Go to the course catalog to order WebCE’s Washington Long-Term Care Initial 8-Hour Course, which fulfills this requirement.)
- Ongoing 4-hour LTC training requirement: From the date of completing the 8-hour initial training requirement, producers must complete 4 hours of state-approved LTC training every 24 months thereafter. (Go to the course catalog to order WebCE’s Washington 4-Hour Long-Term Care Training, which fulfills this requirement.)
If you sell Long Term Care in another state, chances are that MyInsuranceCE and WebCE offer the course you need to meet your state’s requirements. For courses to meet your state’s specific requirements, click on the “course catalog”, choose your state, then your license type, scroll down and select your courses, then check out. It’s that easy!
