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CE Requirements

Continuing Education Requirements for Licensed Insurance Professionals

Stay Compliant. Stay Licensed. Stay Ahead.

CE requirements keep your license active and your knowledge current. Mosaic Continuing Education delivers state-approved training so you meet your obligations and grow professionally.

Quick Facts

  • • CEUs represent approved training hours (≈50 minutes per CEU)
  • • Ethics minimum: typically 1–6 hrs (check your state)
  • • Reporting: providers report completions to state systems (up to 30 days)

What Are CEUs (Continuing Education Units)?

Continuing Education Units (CEUs) are state-mandated training hours insurance professionals must complete to maintain active licenses. These hours ensure agents, adjusters, and producers stay current with evolving laws, regulations, and ethical standards that protect consumers. Each CEU typically represents 50 minutes of approved instruction through a state-approved provider such as Mosaic Continuing Education.

Why Continuing Education Matters

The insurance industry changes constantly — new legislation, updated underwriting guidelines, emerging products, and revised ethical standards. Continuing education isn’t just a rule; it’s how you:

  • Stay compliant with your state’s Department of Insurance
  • Maintain your professional credibility
  • Expand your expertise and product knowledge
  • Protect your clients and your business

Skipping CE requirements can cost you more than a renewal fee.

How to Track Your CE Hours (via Sircon)

Sircon is the official compliance and licensing platform that helps insurance professionals monitor CE progress. You can view, verify, and download your CE transcript anytime through the Sircon website. Once logged in, you can:

  • View how many CE hours you’ve completed and what’s still required
  • Confirm your ethics-hour status (minimum 3 required in many states)
  • Verify courses reported by your provider
  • Check your license expiration and renewal deadlines
  • Download or print your CE Transcript as proof of completion

Tip: It may take up to 30 days for CE providers to report course completions to Sircon, so always complete your hours well before your renewal date.

Consequences of Non-Compliance

Failing to meet your CE requirements can lead to serious repercussions, including:

  • License suspension or termination
  • Fines and reinstatement penalties
  • Loss of commissions while inactive
  • Permanent record of non-compliance in state databases

Example: In Texas, failure to complete CE hours before your renewal date can result in a $50 fine per missing hour and temporary loss of good standing with the Texas Department of Insurance (TDI).

Understanding Reciprocity

Reciprocity allows licensed professionals in one state to apply for a non-resident license in another state without re-taking the state exam — but reciprocity for licensing does not always include reciprocity for continuing education. You may still need to meet your home state’s CE requirements to keep multiple licenses active.

Example: A Texas adjuster licensed in Louisiana can apply for a Louisiana non-resident license through reciprocity, but must still complete their Texas CE hours to keep both licenses in good standing.

How to Stay Compliant

  1. Know your renewal cycle (most states renew every two years).
  2. Track your CE hours early — don’t wait until renewal month.
  3. Verify provider approval — only state-approved providers count.
  4. Keep proof of completion — save certificates for at least four years.
  5. Stay informed — subscribe to your state’s Department of Insurance updates or our newsletter.

State-by-State CEU Requirements & Reciprocity Summary

State CE Hours & Renewal Cycle Ethics Requirement Reciprocity
Texas (TDI) 24 hrs every 2 yrs 3 hrs Ethics ✅ Reciprocal with most states
California 24 hrs every 2 yrs 3 hrs Ethics + product-specific (LTC/Annuity) ✅ Reciprocal (NAIC)
Florida 24 hrs every 2 yrs 5 hrs Law & Ethics ✅ Reciprocal (non-resident)
Georgia 24 hrs every 2 yrs 3 hrs Ethics ✅ Reciprocal
Louisiana 24 hrs every 2 yrs 3 hrs Ethics + 3 hrs Flood (P&C) ✅ Reciprocal
Oklahoma 24 hrs every 2 yrs 3 hrs Ethics ✅ Reciprocal
Arizona 48 hrs every 4 yrs 6 hrs Ethics ✅ Reciprocal
New York 15 hrs every 2 yrs 1 hr Ethics ❌ Limited reciprocity
Illinois 24 hrs every 2 yrs 3 hrs Ethics ✅ Reciprocal
Missouri 16 hrs every 2 yrs 3 hrs Ethics ✅ Reciprocal
Nevada 30 hrs every 3 yrs 3 hrs Ethics ✅ Reciprocal
Colorado 24 hrs every 2 yrs 3 hrs Ethics ✅ Reciprocal
North Carolina 24 hrs every 2 yrs 3 hrs Ethics ✅ Reciprocal
Tennessee 24 hrs every 2 yrs 3 hrs Ethics ✅ Reciprocal
Washington 24 hrs every 2 yrs 3 hrs Ethics ✅ Reciprocal
Massachusetts 60 hrs first 3 yrs, then 45 hrs every 3 yrs Included ❌ Limited reciprocity
Connecticut 24 hrs every 2 yrs 3 hrs Ethics/Law ✅ Reciprocal
Pennsylvania 24 hrs every 2 yrs 3 hrs Ethics ✅ Reciprocal
Ohio 24 hrs every 2 yrs 3 hrs Ethics ✅ Reciprocal
South Carolina 24 hrs every 2 yrs 3 hrs Ethics ✅ Reciprocal
Virginia 16 hrs every 2 yrs 3 hrs Ethics ✅ Reciprocal

Tip: If your home state participates in the NAIC Continuing Education Reciprocity Agreement (CER), your CE credits may be accepted by other member states for non-resident renewal — always verify with your state.

Non-Reciprocal States

Several states do not offer full reciprocity for licensing and/or continuing education. Notable examples include:

  • California — limited recognition for adjuster/agent licenses from other states
  • New York — many license types require NY-specific CE
  • Hawaii — limited reciprocity; often requires in-state testing/CE
  • Massachusetts — partial reciprocity, rules depend on line of authority

Note: This list is illustrative — always verify with the specific state’s insurance department.

Frequently Asked Questions

How do I know if my state accepts another state’s CE credits?
Visit NIPR.com → State Requirements and check NAIC CE Reciprocity participation.
What if I miss my CE deadline?
You can often renew late but will face reinstatement fees or re-testing. In Texas, there’s a $50 fine per missed hour and reactivation requirements.
How are CE credits reported?
Your CE provider reports completions electronically to your state’s DOI (up to 30 days). Keep your certificate as backup.

CE Hours Calculator

Quickly estimate how many hours you still need before renewal.

Progress toward required hours


Mosaic Continuing Education Policy

  • ✅ Mosaic CE courses are approved by the Texas Department of Insurance (TDI).
  • ✅ CE credits earned through Mosaic CE count toward reciprocity states listed above (coming soon).
  • ✅ Course completions are automatically reported to TDI and NIPR by Mosaic.

We currently do not offer CE courses for non-reciprocal states (California, New York, Hawaii, Massachusetts, Alaska, or some U.S. territories). Contact your state’s DOI if you hold a license in a non-reciprocal jurisdiction.

⚖️ Disclaimer: This page is for informational purposes only. CE requirements are subject to change by each state’s Department of Insurance. Always confirm details with your resident or non-resident state agency prior to license renewal.