General Requirements
North Carolina Major Lines Licensed Insurance Agents are required to complete 24 credits of continuing education every 2 years prior to their CE Compliance Due Date. Of the 24 credits required, at least 3 hours must be done in courses approved for Ethics Training. The remaining 21 credits can be taken in any subject matter as long as the courses are approved by the North Carolina Department of Insurance.
There are no renewal requirements for North Carolina Insurance Agents. The only requirement is that agents complete their CE Requirements every 2 years, prior to their CE Compliance Due Date. Please note that North Carolina does charge a “filing fee” of $2.05 per credit earned that must be collected by the CE provider and remitted when credits are filed.
The CE Compliance Due Dates occur on the last day of the agent’s birth month, every 2 years. Agents born in even numbered years will have their Compliance Due Date on even numbered years. Agents born on odd numbered years will have their Compliance Due Dates occur on even numbered years.
The remaining 21 credits can be taken by any approved method (self-study, webinar, or classroom), and can be taken in any approved subject matter.
Major Lines licenses include:
- Life, Accident and Sickness
- Property and Casualty
- Personal Lines
Producers licensed in multiple major lines (Property and Life, for example) are only required to meet the same requirements as producers with single lines of licensing. In other words: you only need to take 24 credits total, regardless of the number of licenses you hold.
Special Training Requirements
There are special training requirements for North Carolina insurance agents who sell certain products. These courses count towards your CE Requirements.
Flood Insurance
All resident agents that hold property or personal lines, all resident adjusters, and any nonresident adjusters with North Carolina CE requirements, must complete 3 hours of flood in the first compliance period and then every other compliance period thereafter (every 4 years).
Long Term Care
An agent may not sell, solicit or negotiate a Long-Term Care Partnership policy unless they hold an Accident and Health License and have also obtained a Medicare Supplement/Long Term Care Limited Lines License (10 hour pre-licensing course and pass exam). Following this, agents must also complete an initial 8 Hour Long Term Care Partnership Training course. These agents must then complete a 4 Hour Long Term Care Training course every compliance period following.
CE Exemptions and Reductions
Military and Long Term Disability Exemption.
A licensed insurance producer who is unable to comply with continuing education requirements due to military service or long-term medical disability may request a waiver from the continuing education requirements. To request a waiver, the producer should complete the Request for Medical or Military Waiver form from the North Carolina Department of Insurance, located here: Waiver Form
Extension of CE Deadline
North Carolina agents may request for a 30-day extension of their CE Due Date. This request must be made within 30 days of their CE Due Date, and no later than the last day of your CE Due Date. The form can be located on Sircon’s site. Select “Services” at the top left, and then “CE Extension or Request”. There is a $75 fee for submitting this request.
Course Repeat Restrictions
Agents will not receive credit for the same course taken within the same 2 year compliance period.
Carryover Credits
Any excess credits earned in a compliance period will be carried over to the next compliance period. Excess Ethics and Flood Training will be carried over as a general credit and will not be applied to future Ethics or Flood Training Requirements.
Late Renewal and Reinstatements
North Carolina agents who fail to meet the minimum continuing education (CE) hours or fail to take the mandatory ethics and flood hours by their CE compliance date will have their license(s) expire.
Licensees have 4 months from the CE compliance date to meet the required hours. A $75.00 reinstatement must be submitted to Prometric to have the license reinstated.
If the required CE hours are not met by the end of the 4-month period, the license will become inactive. Licensees must complete pre-licensing and pass the state exam for each line of authority to be issued a new license.
North Carolina Insurance Agent Continuing Education & Renewal Requirements Summary
| Renewal Term | Every 2 Years |
| Renewal Date | Last Day of Birth Month – Every 2 Years |
| CE Requirements | 24 Credits Total (3 in Ethics for all agents)(3 in Flood for PC) |
| Course Requirements | Non-License Type Specific (Aside from Ethics and Flood, Courses May Be Taken in Any Approved Subject Matter) |
| Special Training | Flood – 1 Time 3 Hour to Selling, and Every Other Compliance Period following. Long Term Care – 8 Hour Initial, 4 Hours Every Renewal Period Following |
| Exemptions | Non-Resident Agents. Active Military. Long Term Disability. |
| Renewal Fee | None |
| Renewal Site | None |
| Missed Renewal | License Inactive After Expiration Date |
| Late Renewal, Reinstatement, Fees | Reinstatement for up to 4 months + $75 fee. After 4 months – Relicense |
| Carryover Credits | Up to 24 Credits. Additional Ethics and Flood Counted as General Credits |
| Course Repeat Restrictions | No Credits for Courses Repeated within the Same Compliance Period |
North Carolina Department of Insurance Contact Information
Website: https://www.ncdoi.gov/
Phone: 919-807-6800
Email: ASD@ncdoi.gov
Physical Address:
3200 Beechleaf Court
Raleigh NC 27604
Mailing Address:
NC Department of Insurance
Agent Services
1204 Mail Service Center
Raleigh NC 27699-1204
