State CE Requirements for Insurance Continuing Education

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

Note: Residents who have completed this training in another state with laws similar to Alaska law will be deemed compliant with this requirement.Producers must also be in compliance with the represented carrier's product training requirements.

Initial 8-hour training requirement: Before selling, soliciting, or negotiating long-term care products in Alaska, producers must complete an initial 8-hour training course. Note:Residents who satisfy the training requirements of another state that are similar to Alaska's law will be deemed compliant with this requirement.

Ongoing 4-hour training requirement: After completing the initial 8-hour LTC training requirement, producers must complete a 4-hour follow-up training course every 24-months following the initial training.

Note:Residents who satisfy the training requirements of another state that are similar to Alaska's law will be deemed compliant with this requirement.

All producers who hold a life insurance producer license must complete a one time four-hour annuity training course that includes the topic of "best interest" prior to selling, soliciting or negotiating an annuity on the insurer’s behalf.

A producer who completed the original annuity training course requirements prior to 12/31/2020 had a grace period until 6/30/2021 to complete either the new 1 or 4 hour training course. They could sell, solicit and negotiate annuities during that time period.

A producer who has NOT completed the original annuity training course requirements prior to 12/31/2020 or a producer who did not complete the updated training prior to 06/30/2021 is unable to sell, solicit or negotiate annuities until the 4 hour annuity-best interest course has been completed.

Initial training requirement: An individual licensee cannot sell, solicit or negotiate long-term care insurance unless the individual is licensed as an accident and health or sickness insurance producer and the individual completes eight hours of Arizona-approved long-term care training. ARS § 20-1691.12(A)(2) A nonresident must either complete an Arizona-approved long-term care training course or satisfy a substantially similar requirement in the licensee's home state. ARS § 20-1691.12(F)

On-going training requirement: An individual licensee must complete four hours of Arizona-approved long-term care training after the two-year period within which the individual completed the initial long-term care training. ARS § 20-1691.12(A)(3) A nonresident must either complete Arizona-approved long-term care training or satisfy a substantially similar requirement in the licensee's home state. ARS § 20-1691.12(F)

Arizona-approved long-term care training means an Arizona-approved insurance continuing education course containing long-term care content as determined by the continuing education administrator. By completing long-term care training, you also earn credit that you can apply toward satisfying Arizona's insurance continuing education requirement.

Annuity Best Interest
Updated Training Requirement!

Effective July 8, 2021. Producers selling annuity products must complete a 4-hour Best Interest Annuity Suitability course.

A producer who has completed the original annuity training course requirements prior to 07/08/2021 has a grace period until 12/31/2021 to complete either the new 1 or 4 hour training course. They may sell, solicit and negotiate annuities during this time period.

A producer who has NOT completed the original annuity training course requirements prior to 07/08/2021 is unable to sell, solicit or negotiate annuities until the 4 hour annuity-best interest course has been completed.

Initial 8-hour LTC training requirement: Before selling, soliciting or negotiating LTC insurance products in Arkansas, producers must complete an initial 8-hour, state-approved LTC training course.

Ongoing 4-hour LTC training requirement: After meeting the initial training requirement, producers must complete 4 hours of state-approved LTC training in every 24-month period following the initial training.

Initial 8-hour training requirement: Before selling annuities in California, producers must complete an initial 8-hour, state-approved annuity training course.

Ongoing 4-hour training requirement: After completing the initial 8-hour training requirement, producers continuing to sell annuities must complete a 4-hour, state-approved annuity CE course in every 2-year license term following the initial 8-hour training completion. Note that effective January 1, 2014 the eight-hour annuity training course will not satisfy the four-hour annuity training requirement.

Initial 8-hour LTC training requirement: Before selling LTC insurance products in California, producers must complete an initial 8-hour, state-approved LTC training course.

Ongoing 8-hour LTC training requirement: After completing the initial 8-hour training requirement, producers licensed 4 years or less must complete 8 hours of state-approved LTC training annually for the first 4 years of licensure. (Producers licensed more than 4 years must complete 8 hours of state-approved LTC training in every 2-year license term.)

Important Notice: In order to solicit/sell long-term care insurance in California, agents need to hold a current license as: Life Accident and Health Insurance Agent, and you must comply with the LTC 8-hour training requirements.  If holding a Life-Only Agent license, agents may sell LTC only as an LTC rider on a full life policy, and must also complete the 8-hour training requirements.

Long-Term Care Partnership

MUST BE COMPLETED IN A CLASSROOM

Before selling LTCP insurance products in California, producers must first complete 16 hours of state-approved LTC training. Of these 16 hours, 8 hours must be fulfilled in a state-approved classroom, and 8 hours must be fulfilled by taking a state-approved LTC self-study course.

Ongoing LTC partnership training requirement: After completing the initial 16-hour training requirement, LTCP insurance producers must complete 8 hours of state-approved LTCP training in every 2-year license term, which must be fulfilled in a state-approved classroom.

Flood

All California fire and casualty producers who sell federal flood insurance policies must complete a one-time 3 hour course relating to National Flood Insurance Program (NFIP) training.

Homeowners' Insurance Valuation

All California fire and casualty broker-agents and personal line broker-agents who negotiate or sell homeowners’ (HO) insurance will be required to complete a one-time 3-hour homeowners’ insurance valuation training course.

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.

Insurance producers who want to sell annuities on or after March 1, 2022, must take Annuity Best Interest (Annuity BI) certification courses offered by approved providers. Updated training courses will include adopted NAIC’s 2020 Model Law #275 best-interest standards, which among other changes, outline the requirement for producers to act in the best interest of the consumer at the time the annuity recommendation is made.

Resident and Non-Resident producers who are already licensed and certified to sell annuity products in Connecticut prior to 3/1/2022 have a 6-month grace period to complete an additional 1-hour of Annuity BI training. Training must be completed no later than August 31, 2022. These producers also have the option to complete a 4-hour Annuity BI certification training course if they desire.

Resident and Non-Resident producers who become licensed on or after 3/1/2022, must complete a one-time 4-hour Annuity BI certification training course before selling, soliciting, or negotiating annuity business in Connecticut.

Substantially similar training completed in another state will be considered to satisfy the training in Connecticut.

Before a producer can market, discuss or sell any Partnership-approved long-term care insurance policy in Connecticut, he or she must have met certain requirements under the state’s Partnership for Long-Term Care Certification Training Program. These requirements are:

• The producer must be licensed as an Accident and Health producer in Connecticut and hold a valid license.
• The producer must meet all of the training requirements under the Partnership’s Certification Training Program.

The Connecticut Partnership Certification Training Program consists of two course components:

• Completion of an 8-hour Prerequisite Online Course and a passing score of 70 percent or better on the course exam.
• Attending a live 4-hour classroom course conducted by the State of Connecticut's Office of Policy and Management's CT Partnership for Long-Term Care Program. Only producers who have passed the exam for the Prerequisite Online Course and who hold a valid certificate number from the Online Course will be eligible to register for the Partnership classroom training. 

Effective 08/01/2021, the state amended its previous Suitability in Annuities training requirement to a Best Interest training requirement.

Producers licensed prior to the effective date who previously complete a 4 hour Suitability in Annuities course must complete either a 4 hour Best Interest course or a 1 hour Best Interest Update course no later than 2/1/2022.

Producers licensed after the effective date must complete a 4 hour Best Interest course prior to selling annuity products.

All Delaware health producers who solicit LTC policies must complete at least 3 hours of state-approved Delaware LTC training during the 2-year license term in which the product is solicited. This requirement must be met during the biennium that the long term care policy was solicited, but does not need to be met prior to solicitation of the product.

Initial 8-hour LTC Partnership training requirement: Before selling LTC insurance products in Georgia, producers must complete an initial 8-hour, state-approved LTC training course.

Ongoing 4-hour LTC Partnership training requirement: After completing the initial 8-hour LTCP requirement, producers must complete a 4-hour follow-up training course every 24 months after completion of the initial training.

Georgia Medicaid and the Long-Term Care Partnership Program: Residents who have completed another state’s qualified LTCP course will need to complete a 2-hour Georgia specific Medicaid course.

Effective 7/1/2021: Idaho requires annuity producers to complete a 4 hour Best Interest Annuity Suitability course.

Producers licensed prior to the effective date who previously complete a 4 hour Suitability in Annuities course in another state must complete either a 4 hour Best Interest course or a 1 hour Best Interest Update course no later than 12/31/2021.

Producers licensed after the effective date, or those who do not complete the update training prior to 12/31/2021, must complete a 4 hour Best Interest course prior to selling annuity products.

Initial 8-hour LTC training requirement: Before selling, soliciting, or negotiating LTC insurance products in Idaho, producers must complete an initial 8-hour, NAIC LTC course approved in any state.

Ongoing 4-hour LTC training requirement: After completing the 8-hour initial training requirement, producers must complete 4 hours of state-approved LTC training every 24-month period following the completion of the initial training and every 24-months thereafter.

Initial 8-hour training requirement: Before soliciting or selling LTCI products in Illinois, resident producers must complete an 8-hour LTC training course.

Ongoing 4-hour training requirement: After completing the initial training, resident producers must complete a 4-hour course on the subject of long-term care before the end of the renewal period.

Note:  If a producer fails to complete the 4-hour Ongoing training course prior to the license renewal, the producer will have 12 months from that license renewal date to complete the 4-hour ongoing training, without having to repeat the Initial 8-hour training course.

All life agents who also hold a Viatical Settlement Broker license and sell viatical life settlement policies must complete at least 4 hours CE course in viatical settlements every 24 months. 

Initial 8-hour LTC training requirement: Before marketing, selling, or soliciting any LTC products, a producer must initially complete an 8-hour basic LTC continuing education course specifically approved for LTC. The 8 hours may be counted as part of the required CE credits for the compliance period in which they were completed.

Ongoing 5-hour LTC training requirement: Producers satisfying the initial 8-hour requirement must complete a minimum of 5 hours of LTC insurance courses every 2 years.

Long-Term Care Partnership (LTCP) Long-Term Care Partnership program requirement: Producers who will sell LTC policies under the Indiana Long-Term Care Partnership (ILTCP) program must satisfy a one-time 7-hour training requirement in addition to the initial 8-hour LTC training requirement, for a total of 15 hours. The 7-hour ILTCP must be completed in a classroom.

Effective 1/1/2021: Iowa amended its previous Suitability in Annuities training requirement to a Best Interest training requirement.

Producers licensed prior to the effective date who previously complete a 4 hour Suitability in Annuities course must complete either a 4 hour Best Interest course or a 1 hour Best Interest Update course no later than 6/30/2021.

Producers licensed after the effective date, or those who do not complete the update training prior to 06/30/2021, must complete a 4 hour Best Interest course prior to selling annuity products.

Initial 8-hour LTC training requirement: A one-time training course of at least 8 CE credits in subjects related to long-term care insurance must be completed prior to selling any long-term care insurance. This training course is required to be in a classroom setting; however, LTC Connection has received a waiver from the IA Insurance Division stating our 8-hour self-study course may be taken to satisfy this requirement.

Ongoing 4-hour LTC training requirement: Following the initial training, producers continuing to sell LTC insurance must complete ongoing training of 4 CE credits in subjects related to long-term care insurance every three-year CE term afterward

Initial 4-hour LTCP training requirement: All Kansas producers who sell, solicit, or negotiate LTC partnership policies must complete 4 hours of state-approved Kansas LTCP training. Producers may take any NAIC approved LTC course for use in any licensed state.

Ongoing 1-hour LTCP training requirement: After completing the 4-hour initial training requirement, LTCP producers must complete 1 hour of state-approved Kansas LTCP training each 2-year license term thereafter. Producers may take any NAIC approved LTC course for use in any licensed state.

Effective 1/1/2022: Kentucky has updated its Suitability in Annuities training requirement to the Best Interest standard.

Producers licensed prior to the effective date who previously complete a 4 hour Suitability in Annuities course must complete either a 4 hour Best Interest course or a 1 hour Best Interest Update course no later than 6/30/2022.

Producers licensed after the effective date, or those who do not complete the update training prior to 06/30/2022, must complete a 4 hour Best Interest course prior to selling annuity products.

Initial 8-hour LTCP training requirement: All Kentucky producers who sell, solicit, or negotiate LTC partnership policies must complete 8 hours of state-approved Kentucky LTCP training before selling, soliciting, or negotiating LTCP policies. Producers may take any 8-hr NAIC approved LTC course for use in any licensed state.

Ongoing 4-hour LTCP training requirement: After completing the 8-hour initial training requirement, LTCP producers must complete 4 hours of state-approved Kentucky LTCP training each 2-year license term thereafter. Producers may take any 4-hr NAIC approved LTC course for use in any licensed state.

Initial 8-hour training requirement: Before selling, soliciting, or negotiating LTC/LTCP insurance products, a producer must complete an initial 8-hour state-approved LTC/LTCP training course. *If producer has previously completed this requirement in another state they will be considered compliant with the Louisiana requirement.

Ongoing 4-hour training requirement: After completing the initial training, resident producers must complete a 4-hour ongoing training course within two years of the initial training.

Effective 1/1/2022: Maine amended its previous Suitability in Annuities training requirement to a Best Interest training requirement.

Producers licensed prior to the effective date who previously complete a 4 hour Suitability in Annuities course must complete either a 4 hour Best Interest course or a 1 hour Best Interest Update course no later than 6/30/2022.

Producers licensed after the effective date, or those who do not complete the update training prior to 06/30/2022, must complete a 4 hour Best Interest course prior to selling annuity products.

Initial 8-hour LTC training requirement: Before selling LTC insurance products in Maine, producers must complete an initial 8-hour, state-approved LTC training course.

Ongoing 4-hour LTC training requirement: After completing the initial 8-hour training requirement, LTC producers must complete 4 hours of state-approved LTC training every renewal cycle.

2 hours in course designated for credit type "Long Term Care" as part of L/H hours

8-hour initial Long Term Care Partnership course
4-hour refresher Long Term Care Partnership course every two years after

*Effective January 23, 2013: Initial 8-hour training requirement: All producers currently licensed to sell, solicit, and negotiate long-term care products in Massachusetts must complete a one-time state approved training course of at least 8-hours by July 1, 2014. Producers licensed on or after January 23, 2013 must complete this training prior to selling, soliciting, or negotiating such products.

Ongoing 4-hour training requirement: After completing the initial 8-hour LTC training requirement, producers must complete a 4 hour follow-up training course every 24-months following the initial training.

Michigan is updating its Suitability in Annuity training requirement effective 6/29/2020 to the Best Interest standard.

Producers licensed prior to 06/29/2020 who previously complete a 4 hour Suitability in Annuities course must complete either a 4 hour Best Interest course or a 1 hour Best Interest Update course no later than 12/29/2021.

Producers licensed after the effective date, or who do not complete the training update prior to 12/31/2021, must complete a 4 hour Best Interest course prior to selling annuity products.

Initial LTC training requirement: Before selling, soliciting, or negotiating LTC insurance products in Michigan, producers must complete an initial state-approved LTC training course.

Ongoing LTC training requirement: After completing the initial training requirement, producers must complete state-approved LTC training every 24 months thereafter.

Initial 8-hour LTC training requirement: Before selling, soliciting, or negotiating LTC insurance products in Minnesota, producers must complete an initial 8-hour state-approved LTC training course.

Ongoing 4-hour LTC training requirement: After completing the 8-hour initial training requirement, producers must complete 4 hours of state-approved LTC training every 24-month period following the completion of the initial training and every 24 months thereafter.

Effective 1/1/2022: Mississippi amended its previous Suitability in Annuities training requirement to a Best Interest training requirement.

Producers licensed prior to the effective date who previously complete a 4 hour Suitability in Annuities course must complete either a 4 hour Best Interest course or a 1 hour Best Interest Update course no later than 6/30/2022.

Producers licensed after the effective date, or those who do not complete the update training prior to 06/30/2022, must complete a 4 hour Best Interest course prior to selling annuity products.

Producers who write flood insurance must complete a one-time 3-hour training class on flood insurance and the National Flood Insurance Program (NFIP).

Initial 8-hour training requirement: A producer may not sell, solicit, or negotiate a qualified LTC Partnership Plan unless he or she is licensed for both life and health and has completed an initial 8-hour training course pre-approved by the Missouri Department of Insurance, Financial Institutions, and Professional Regulation (DIFP).

Ongoing 4-hour training requirement: After completing the initial 8-hour training requirement, producers continuing to sell LTC must complete a 4-hour ongoing training course, pre-approved by the Missouri DIFP, during each 2-year license term, thereafter.

Initial 8-hour LTC training requirement: Before selling, soliciting, or negotiating LTC insurance products in Montana, producers must complete an initial 8-hour, state-approved LTC training course. Producers may take any 8-hr NAIC approved LTC course for use in any licensed state.

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. Producers may take any 4-hr NAIC approved LTC course for use in any licensed state.

Effective 07/1/2021: Nebraska amended its previous Suitability in Annuities training requirement to a Best Interest training requirement.

Producers licensed prior to the effective date who previously complete a 4 hour Suitability in Annuities course must complete either a 4 hour Best Interest course or a 1 hour Best Interest Update course no later than 12/31/2021.

Producers licensed after the effective date, or those who do not complete the update training prior to 12/31/2021, must complete a 4 hour Best Interest course prior to selling annuity products.

Initial 8-hour LTCP training requirement: All Nebraska health or sickness and accident producers who sell, solicit, or negotiate LTCP policies must complete 8 hours of state-approved Nebraska LTCP training before selling, soliciting, or negotiating LTCP policies. Producers may take any 8-hr NAIC approved LTC course for use in any licensed state.

Ongoing 4-hour LTCP training requirement: After completing the 8-hour initial training requirement, producers must complete 4 hours of state-approved Nebraska LTCP training every 2 years thereafter. Producers may take any 4-hr NAIC approved LTC course for use in any licensed state.

Initial 8-hour LTC Partnership training requirement: Before selling LTC insurance products in Nevada, producers must complete an initial 8-hour, state-approved LTC training course. 

Ongoing 4-hour LTC Partnership training requirement: After completing the initial 8-hour LTCP requirement, producers must complete a 4-hour follow-up training course every 24 months after completion of the initial training.

Initial 8-hour training requirement: Before selling, soliciting or negotiating LTC Partnership insurance products in New Hampshire, a producer must be licensed with the Accident and Health or Sickness or Life line of authority; and have completed eight (8) hours of approved initial LTCP training. The satisfaction of these training requirements in any state shall be deemed to satisfy the training requirements in New Hampshire.

Ongoing 4-hour training requirement: A 4-hour follow-up course must be completed every 2 years thereafter completion of initial training. The satisfaction of these training requirements in any state shall be deemed to satisfy the training requirements in New Hampshire.

Initial 8-hour LTC training requirement: Before selling, soliciting, or negotiating LTC insurance products in New Jersey, producers must complete an initial 8-hour, NAIC LTC training course.

Ongoing 4-hour LTC training requirement: After completing the 8-hour initial training requirement, producers must complete 4 hours of state-approved LTC training every 24-month period following the completion of the initial training.

Initial 8-hour LTC Partnership training requirement: Before selling, soliciting, or negotiating LTC insurance products in North Dakota, producers must complete an initial 8-hour, state-approved LTC training course.

Ongoing 4-hour LTC Partnership training requirement: After completing the initial 8-hour training requirement, producers must complete 4 hours of state-approved LTC training every 24-month period.

Regulation 187 (Part 224 of Title 11 of the Official Compilation of the State of New York) requires insurers set forth standards and procedures for recommendations to consumers with respect to annuity contracts so that the insurance needs and financial objectives of the consumers are appropriately addressed. This part applies to any recommendation to purchase or replace an annuity contract made on or after June 30, 2011.These standards and procedures are substantially similar to the NAIC Suitability in Annuity Transactions Model Regulation.

Section 224.4 (g) & (h) holds the insurance company responsible for ensuring that every producer recommending its annuity products is adequately trained to make the recommendation, however, the regulation does not require the completion of specific training classes.

A New York licensed producer who has the accident/health line of authority on their agent license issued under Section 2103(a) of the Insurance Law (prefix of LA), or on their broker license issued under Section 2104 (b)(1)(A) of the Insurance Law (prefix of LB) or is licensed a broker under Section 2104(B) of the Insurance Law (prefix of BR) is authorized to sell long term care insurance in New York.

To sell partnership, please contact the Department of Health

All resident licensees that hold a property, personal lines, or adjuster license, and nonresident adjusters with North Carolina CE requirements, must complete 3 hours of flood in their first compliance period and then every other compliance period thereafter (every 4 years).

Initial 8-hour training requirement: Before selling, soliciting, or negotiating long-term care partnership products, producers must complete an initial 8-hour state-approved training course.

Ongoing 4-hour training requirement: After completing the initial 8-hour LTCP training requirement, producers must complete a 4 hour follow-up training course every 24-month compliance period following the initial training.

Note: Residents who satisfy the training requirements of another state that are similar to North Carolina's law will be deemed compliant with this requirement only if the insurance company chooses to accept the training completed in another state.

Special License required: Producers must hold a Medicare Supplement/LTC license. The prerequisite to hold this license is the Accident, Health, and Sickness license. Producer must complete 10 hours of pre-licensing LTC/Medicaid education and pass a state examination. A non-resident is exempt from the pre-licensing education and exam, but must apply for the LTC license. To do so, they must be qualified for LTC in their resident state and hold a North Carolina Life & Health License. For more information about this requirement, please review the Long-Term Care Partnership (LTCP) Licensees Frequently Asked Questions from the NC Department of Insurance/Agent Services Division.

Effective 1/1/2022: North Dakota amended its previous Suitability in Annuities training requirement to a Best Interest training requirement.

Producers licensed prior to the effective date who previously complete a 4 hour Suitability in Annuities course must complete either a 4 hour Best Interest course or a 1 hour Best Interest Update course no later than 6/30/2022.

Producers licensed after the effective date, or those who do not complete the update training prior to 06/30/2022, must complete a 4 hour Best Interest course prior to selling annuity products.

Initial 8-hour LTC Partnership training requirement: Before selling, soliciting, or negotiating LTC insurance products in North Dakota, producers must complete an initial 8-hour, state-approved LTC training course.

Ongoing 4-hour LTC Partnership training requirement: After completing the initial 8-hour training requirement, producers must complete 4 hours of state-approved LTC training every 24-month period.

Ohio has upgraded its previous Suitability in Annuities training requirement to a Best Interest training requirement.

Producers licensed prior to the effective date who previously complete a 4 hour Suitability in Annuities course must complete either a 4 hour Best Interest course or a 1 hour Best Interest Update course no later than 9/30/2021.

Producers licensed after the effective date, or who did not complete the required update prior to the deadline, must complete a 4 hour Best Interest course prior to selling annuity products.

Initial 8-hour LTC training requirement: Before selling, soliciting, or negotiating LTC insurance products in Ohio, producers must complete an initial 8-hour, state-approved LTC training course.

Ongoing 4-hour LTC training requirement: After completing the 8-hour initial training requirement, producers must complete 4 hours of state-approved LTC training every 24-month compliance period following completion of the initial LTC training.

Producers that sell, solicit, or negotiate long term care insurance must take the initial 8 hour long term care partnership course prior to offering this type of product and complete a 4 hour long term care partnership course each renewal cycle thereafter.

Initial 8-hour LTC training requirement: Before selling, soliciting, or negotiating LTC insurance products in Oregon, producers must complete an initial 8-hour, state-approved LTC training course. Producers may take any 8-hr NAIC approved LTC course for use in any licensed state.

Ongoing 4-hour LTC training requirement: After completing the initial 8-hour training requirement, producers must complete 4 hours of state-approved LTC training in every 24-month period thereafter. Producers may take any 4-hr NAIC approved LTC course for use in any licensed state.

Initial 8-hour training requirement:  Before selling, soliciting, or negotiating long-term care partnership products, producers must complete an initial 8-hour state-approved training course. 

Ongoing 4-hour training requirement: After completing the initial 8-hour LTC training requirement, producers must complete a 4 hour follow-up training course every 24-month compliance period following the initial training.

Effective 4/1/2021: Rhode Island amended its previous Suitability in Annuities training requirement to a Best Interest training requirement.

Producers licensed prior to the effective date who previously complete a 4 hour Suitability in Annuities course must complete either a 4 hour Best Interest course or a 1 hour Best Interest Update course no later than 09/30/2021.

Producers licensed after the effective date, or those who do not complete the update training prior to 09/30/2021, must complete a 4 hour Best Interest course prior to selling annuity products.

Initial 8-hour LTC training requirement: Before selling, soliciting, or negotiating LTC insurance products in Rhode Island, producers must complete an initial 8-hour NAIC LTC course approved in any state.

Ongoing 4-hour LTC training requirement: After completing the 8-hour initial training requirement, producers must complete 4 hours of state-approved LTC training every 24-month period.

Initial 8-hour LTC training requirement: Before selling LTC insurance products in South Carolina, producers must complete an initial 8-hour LTC training course

Ongoing 4-hour LTC training requirement: After completing the initial 8-hour training requirement, LTC producers must complete 4 hours of LTC training every 24 months from the initial 8 hour course completion date.

Initial 8-hour LTC training requirement: Before selling LTC insurance products in South Dakota, producers must complete an initial 8-hour, state-approved LTC training course.

Ongoing 4-hour LTC training requirement: After completing the initial 8-hour training requirement, producers continuing to sell LTC must complete 4 hours of state-approved LTC training by July 1st in even years. 

Initial 8-hour training requirement: Before selling, soliciting or negotiating LTC insurance products in Tennessee, producers must complete an initial 8-hour training course.

Ongoing 4-hour training requirement: After meeting the initial training requirement, producers must complete 4 hours of state-approved LTC training in every 24-month period following the initial training.

Texas has updated its Suitability in Annuities training requirement to the Best Interest standard effective 9/1/2021. Any producer that completes a 4 hour Annuity Suitability course prior to 12/31/2021 may complete a 1 hour Best Interest update course.

Residents must take Texas courses. Non-resident producers may complete a four hour Best Interest course in another state that has implemented the Best Interest training requirement or may take a four hour Suitability in Annuities course in another state plus a 1 hour Texas Best Interest update course.

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. Licensees who are exempt from Continuing Education are not exempt from the initial training 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. Licensees who are exempt from Continuing Education are not exempt from the ongoing training requirement.

Initial 8-hour training requirement: All producers who sell Medicare-related products must receive 8 hours of professional training prior to selling such products. Licensees who are exempt from Continuing Education are not exempt from the initial training requirement.

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. Licensees who are exempt from Continuing Education are not exempt from the ongoing training requirement.

Initial 8-hour training requirement: Licensed general life, accident, and health producers can aquire the specialty certification by complete the initial 8-hour course in Small Employer Health Benefit Plans and pass the exam.

Ongoing 5-hour training requirement: To retain the certification, producers must complete at least 5 hours of certified Small Employer Health Benefit Plans continuing education during each reporting period.

Exemptions: Individuals that are exempt from these requirements include those who hold one of the following designations

• Registered Health Underwriter (RHU)
• Certified Employere Benefit Apecialist (CEBS)
• Registered Employee Benefits Consultant (REBC)

Initial 3-hour LTC training requirement:  Before selling LTC insurance products in Utah, producers must complete an initial 3-hour, state-approved LTC training course.

Ongoing 3-hour LTC training requirement: After completing the initial 3-hour training requirement, producers continuing to sell LTC must complete 3 hours of state-approved LTC training during every 24-month licensing period after the period in which they completed the initial training.

Initial 8-hour LTC training requirement: Producers licensed to sell LTC insurance products in Vermont after March 31, 2010, must complete a one-time initial 8-hour NAIC LTC training course before they can sell, solicit, or negotiate LTC Products. 2 hours must contain Vermont-specific information including Vermont Medicaid information. 

Ongoing 4-hour LTC training requirement: After completing the 8-hour initial training requirement, producers must complete 4 hours of LTC training on or before March 31 of odd-numbered calendar years.

Effective 9/1/2021: Virginia requires annuity producers to complete a 4 hour Best Interest Annuity Suitability course.

Producers licensed prior to the effective date who previously complete a 4 hour Suitability in Annuities course in another state must complete either a 4 hour Best Interest course or a 1 hour Best Interest Update course no later than 03/01/2022.

Producers licensed after the effective date, or those who do not complete the update training prior to 03/01/2022, must complete a 4 hour Best Interest course prior to selling annuity products.

Initial 8-hour LTC training requirement: Before selling, soliciting, or negotiating LTC insurance products in Virginia, producers must complete an initial 8-hour LTC course.  IMPORTANT: The initial training must consist of 6 hours of general LTC topics and 2 hours of LTC Partnership topics.

Ongoing 4-hour LTC training requirement: After completing the 8-hour initial training requirement, producers must complete 4 hours of LTC training every 24-month period. The ongoing training must consist of 2 hours of general LTC topics and 2 hours of LTC Partnership topics.

Note: Failure to complete the ongoing 4-hour training course within 24 months of completion of the Initial 8-hour training course, will forfeit recognition of the Initial 8-hour training course by the Virginia Department of Insurance, and will result in the Initial 8-hour training course having to be repeated.

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

Note: Residents who satisfy the training requirements of another state that are similar to the Washington law will be deemed compliant for the Washington 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. Producers may take any 8-hr NAIC approved LTC course for use in any licensed state.

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. Producers may take any 4-hr NAIC approved LTC course for use in any licensed state.

Initial 8-hour LTC training Requirement: Before selling, soliciting or negotiating LTC insurance products in West Virginia producers must complete a one-time state-approved training course of no less than 8 hours.

Ongoing 4-hour LTC training Requirement: A 4-hour state-approved follow-up course must be completed every 2-year licensing period after the period in which initial training was completed. LTC training courses count toward the producer’s 24-hour CE requirement.

Before selling, soliciting, or negotiating annuity products in Wisconsin, producers must complete a one-time annuity training course approved for at least 4 hours by the Wisconsin OCI. 

Initial 8-Hour Life Settlement Broker Training: Individuals applying for a Life Settlement Broker license must complete an initial training course of not less than 8 hours prior to applying for the license. *Satisfaction of the training requirements in another state that are substantially similar to the requirements of Wisconsin will be deemed to satisfy Wisconsin's requirement. To be considered substantial the course would have to be approved for at least the minimum number of credit hours and include the topics outlined in Wisconsin statute (632.69 (3), Wis. Stat., and s. Ins 2.18 (4), Wis. Adm. Code).

Ongoing 4-Hour Life Settlement Broker Training: Individual Life Settlement Brokers must complete 2 hours of ongoing training every year for a total of 4 hours every 24 months.

Initial 8-hour LTC training requirement: Before selling LTC insurance products in Wisconsin, producers must complete an initial 8-hour, state-approved LTC training course, of which 2 hours must contain Wisconsin-specific Medicaid and long-term care information.

Ongoing 4-hour LTC training requirement: After completion of the initial training, all intermediaries must complete one 4-hour training course specific to long-term care insurance every 24 months concurrent with each individual's license renewal period, of which 1 hour must contain Wisconsin-specific Medicaid training.

Initial 8-hour LTC training requirement: Before selling LTC in Wyoming, licensees must complete an initial 8-hour training course. Completing training requirements in any state satisfies the training requirements in Wyoming.

Ongoing 4-hour LTC training requirement: After completing the 8-hour initial training requirement, producers must complete 4 hours of state approved LTC  training every 24-month period following the completion of the initial training and every 24-months thereafter.  Completing training requirements in any state satisfies the training requirements in Wyoming.