Colorado Insurance Continuing Education

Insurance CE Course Catalog

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8 HOUR PARTNERSHIP: In addition to the 8 hour General LTC course, Colorado agents must also take the Colorado Partnership 8 hour course which must be taken in the classroom. LTC Connection does not currently have any instructors with a scheduled 8 Hour Partnership classroom course. If you need a class quickly, please go to to find the 8 Hour Partnership portion from an alternate provider.

5 HOUR LTC RENEWAL: Colorado only allows the refresher course to be taken in the classroom or via webinar. Please go to Live Training in the menu to register for the 5 Hour LTC Ongoing Training.

Required CE Hours


24 CE hours*, including 3 hours of ethics, are required every 2-year license term. At least eighteen (18) of the twenty-four (24) credit hours shall be in approved courses for the type of license for which the producer is licensed.

*See Special Training/Education Requirements below.

Special Training/Education Requirements

Annuity Training

  • Before selling, soliciting, or negotiating annuity products in Colorado producers must complete a one-time annuity training course approved for at least 4 hours 

Long-Term Care (LTC)

  • Initial 16-hour training requirement: Before selling LTC policies in Colorado producers must complete 16 hours of state approved LTC training.  Part 1 of the 16 hours shall consist of 8 hours on general LTC, which can be taken online self study or in a classroom, and Part 2 shall consist of 8 hours specific to LTC partnership, which must be taken in a classroom.
  • Ongoing 5-hour training requirement: After completing the initial 16-hour training, producers continuing to sell LTC must complete no less than 5 hours of ongoing training in a classroom setting every 2 calendar years after the initial completion.

Flood Insurance

All Colorado resident property and casualty or personal lines producers who sell flood insurance are required to complete a one-time 3-hour course approved for National Flood Insurance Program (NFIP) training.


All Colorado resident producers engaged in the sale, consultation, or adjustment of claims-made policies must complete a one-time 2-hour state approved course on claims-made policies.  

Homeowners Insurance Coverage

*Effective January 1, 2014: All Colorado producers licensed to sell property or personal lines insurance must complete three (3) hours of continuing education on homeowner's (HO) insurance coverage each license term. 

Non-Resident CE Requirements

Nonresident insurance producers must be licensed and in good standing in their home state, must satisfy their home state CE requirements, and must pay a biennial continuation fee to the Colorado Division of Insurance.  Producers planning to sell the following products have special training or education requirements as described below:

Special Training/Education Requirements

Annuity Training Requirement

  • Before selling, soliciting, or negotiating annuity products in Colorado producers must complete a one-time annuity training course approved for at least 4 hours.  *Nonresidents who satisfy the training requirements of another state that are similar to Colorado's law will be deemed compliant for Colorado's requirement. 
  • The satisfaction of these training requirements in any state shall be deemed to satisfy the training requirements in this state.

Long-Term Care (LTC)

  • Check with your carrier to determine if an 8 hour NAIC Partnership course from another state will suffice for the two 8 hour courses mentioned above. An 8-hour Partnership class from one of the original four Partnership states will not suffice.
License Term

Continuing education requirements must be met every two years on the last day of the licensee's birth month. Even birth years renew every even year. Odd birth years renew every odd year.

Course Repetition Rules

A producer who successfully completes an approved course may not repeat the course within a two (2) year period and count it toward the required hours, except for courses dealing with statutory updates.

CE Carryover Allowance

Producers may accumulate no more than twelve (12) carryover credit hours during the one hundred twenty (120) days before the licensing continuation date, which may be applied to the next continuing education period.

CE Exemptions

The following exemptions apply to these CE requirements:

  • First-time producers have until their second continuation cycle to comply.
  • Producers licensed to write only one or more of the following are exempt:
    • Travel ticket selling
    • Bail bonding
    • Title
    • Limited lines credit
    • Crop hail 
Final Exam Requirements

Exam proctor requirements

Exams are closed book and must be proctored by a disinterested third party who is at least 18 years old. Proctors may not serve for examinations of family members, relatives, or dependents; employers or supervisors; employees or subordinates; partners, joint ventures, or co-owners; or for anyone in whom the proctor or instructor has an economic or other interest in assuring the successful outcome of the examination. An Affidavit of Personal Responsibility is provided at the time of the online examination. Per Colorado state rules, this affidavit must be returned the day of the exam without exception.

Exam rules

Exams are closed book. A passing score of 70 percent or higher is required. Producers are allowed to retake the exam as many times as needed to pass; the exam questions will be different each time.


Net Study 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 Net Study nor its employees warrant or represent that this information is accurate and current. All information is subject to change without notice.

State Contact Information
Colorado Division of Insurance
Phone: 303-894-7499 / (800) 930-3745
Fax: 303-894-7455
Mailing Address:
Colorado Division of Insurance
1560 Broadway, Suite 850
Denver, CO 80202
Sircon Contact Information:
Phone: 877-876-4430
Fax: 404-656-0874
Web site: