Insurance Continuing Education
Continuing Education 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.
Quick Facts
- Texas commonly requires 24 CE hours every 2 years.
- Texas ethics minimum is commonly 3 CE hours.
- Mosaic reports CE completion within 7 days after course completion, while TDI allows up to 30 days.
- Requirements vary by state, license type, line of authority, and renewal cycle.
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 Continuing Education 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.
How to Stay Compliant
- Know your renewal cycle and CE deadline.
- Track CE hours early instead of waiting until renewal month.
- Confirm that your provider and course are state-approved.
- Complete required ethics or specialty training.
- Keep certificates and transcripts for your records.
- 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.
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.
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.
Certificate Verification
Confirm a Mosaic CE certificate using the certificate ID or verification code.
Verify a Mosaic CE Certificate
Enter a certificate verification code to confirm the recorded course, state, hours, issue date, and reporting status.
Verification is based on records stored by Mosaic CE. If a certificate is missing or marked pending, contact support for manual review.
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.
| State | Typical CE Guidance | Ethics / Special Notes | State Page |
|---|---|---|---|
| Texas | Commonly 24 hours every 2 years. | Commonly 3 hours ethics; TDI reporting applies. | Texas CE Requirements |
| California | Commonly 24 hours every 2 years. | Ethics and product-specific training may apply. | California CE Requirements |
| Florida | Commonly 24 hours every 2 years. | Law and ethics requirements may apply. | Florida CE Requirements |
| Georgia | Commonly 24 hours every 2 years. | Ethics requirement may apply. | Georgia CE Requirements |
| Louisiana | Commonly 24 hours every 2 years. | Ethics and flood requirements may apply for P&C. | Louisiana CE Requirements |
| Oklahoma | Commonly 24 hours every 2 years. | Ethics requirement may apply. | Oklahoma CE Requirements |
| Arizona | Commonly 48 hours every 4 years. | Ethics requirement may apply. | Arizona CE Requirements |
| New York | Commonly 15 hours every 2 years. | Limited reciprocity and New York-specific CE may apply. | New York CE Requirements |
| Illinois | Commonly 24 hours every 2 years. | Ethics requirement may apply. | Illinois CE Requirements |
| Missouri | Commonly 16 hours every 2 years. | Ethics requirement may apply. | Missouri CE Requirements |
| Nevada | Commonly 30 hours every 3 years. | Ethics requirement may apply. | Nevada CE Requirements |
| Colorado | Commonly 24 hours every 2 years. | Ethics requirement may apply. | Colorado CE Requirements |
| North Carolina | Commonly 24 hours every 2 years. | Ethics requirement may apply. | North Carolina CE Requirements |
| Tennessee | Commonly 24 hours every 2 years. | Ethics requirement may apply. | Tennessee CE Requirements |
| Washington | Commonly 24 hours every 2 years. | Ethics requirement may apply. | Washington CE Requirements |
| Massachusetts | Requirements may vary by license type and cycle. | Limited reciprocity may apply. | Massachusetts CE Requirements |
| Connecticut | Commonly 24 hours every 2 years. | Ethics or law requirement may apply. | Connecticut CE Requirements |
| Pennsylvania | Commonly 24 hours every 2 years. | Ethics requirement may apply. | Pennsylvania CE Requirements |
| Ohio | Commonly 24 hours every 2 years. | Ethics requirement may apply. | Ohio CE Requirements |
| South Carolina | Commonly 24 hours every 2 years. | Ethics requirement may apply. | South Carolina CE Requirements |
| Virginia | Commonly 16 hours every 2 years. | Ethics requirement may apply. | Virginia CE Requirements |
| Hawaii | CE requirements vary by license type. | Limited reciprocity considerations may apply. | Hawaii CE Requirements |
| Alaska | CE requirements vary by license type. | Verify current resident and non-resident rules. | Alaska CE Requirements |
Non-Reciprocal and Limited-Reciprocity States
Some states do not offer full reciprocity for licensing or continuing education. Notable examples may include California, New York, Hawaii, Alaska, Massachusetts, and some U.S. territories, depending on license type and line of authority.
Always verify reciprocity and CE acceptance directly with the applicable state insurance department before relying on out-of-state credits.
Mosaic CE Reporting Guidance
- Complete courses early.
- Keep certificates for your records.
- Verify reported hours in Sircon or your state licensing system.
- Contact support if a completion record appears delayed.
Student CE Dashboard
Registered students can use their account dashboard to review course activity, completion status, and available learning resources. Use your student account regularly to stay organized before renewal.
Open CE DashboardFrequently Asked Questions
How do I know if my state accepts another state’s CE credits?
Check your state insurance department and review current reciprocity rules before relying on another state’s CE credits. Reciprocity rules can vary by license type and resident status.
What happens if I miss my CE deadline?
You may face fines, late renewal requirements, license suspension, inactive status, or reinstatement steps depending on your state. Complete courses early to reduce renewal risk.
How are CE credits reported?
Approved CE providers generally report completions electronically to the applicable state system. Keep your certificate as backup and verify your transcript before renewal.
How long should I keep my CE records?
Keep certificates, transcripts, and completion records for at least the period required by your state. Four years is a practical minimum for audit readiness.
Can I complete my CE online?
Yes. Many insurance CE courses can be completed online through approved providers. Always confirm that the course is approved for your license type and state before relying on it for renewal.
Ready to Complete Your CE?
Browse available insurance continuing education courses and choose the training that matches your license, state, and professional development goals.
Compliance Disclaimer
This page is for informational purposes only. CE requirements, renewal cycles, ethics rules, reporting deadlines, fines, and reciprocity rules are subject to change. Always confirm requirements with your resident or non-resident state insurance department before renewal.
