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Continuing Education Requirements

This information is intended to provide answers to commonly asked questions by insurance agents. It is not intended to replace detailed information found in your state’s statutes and regulations. Though we have made reasonable efforts to ensure that the information given is reliable and current, we cannot guarantee that it is. For more information please contact your state insurance department. See contact information below.

Hours Required

• Insurance Producers must complete 24 hours of CE credits biennially including at least three (3) Ethics credits
• Resident and Non-resident Title agents must complete 24 hours biennially including at least three (3) Ethics credits
• All property, casualty, or personal lines producers must also complete at least two (2) Flood Insurance credits

Compliance Date

Initial license effective date, biennially

Approved Course Delivery Methods

• Independent self-study online or written courses (passing grade of 70% required on final exam)
• Classroom
• Interactive Online
• Seminar
• Teleconference
• Webinar

Exam Requirements

A passing grade of 70% is required on all self-study exams

Course Subject Requirements

PLEASE READ!!!
**PENNSYLVANIA REQUIRED CREDITS** - Effective April 29, 2025

As of April 29, 2025: There are now specific credit type requirements needed to renew your license in Pennsylvania. As part of your required 24 credits, you will need to complete:

• At least three (3) hours/credits of ETHICS for all licensed resident insurance producers and resident/non-resident title insurance agents.

• At least two (2) hours/credits of Flood Insurance instruction for all property, casualty, or personal lines licensed individuals. Please note that this continuing education requirement for flood insurance applies even if the property, casualty, or personal lines licensee does not actually sell flood insurance policies.

Existing licensees will be required to complete the new requirements within 12 months or by the end of the license period existing at the time of the effective date, whichever is longer. Individuals licensed on or after April 29, 2025 will be required to meet these requirements before the end of their first license period. Course completions taken before April 29, 2025 will not apply toward the new continuing education requirements. Additional ethics and flood insurance continuing education hours will carry forward as general hours. Question regarding these new changes can be sent to the Bureau of Licensing & Enforcement at ra-in-producer@pa.gov or call (717) 787-3840.

Annuity Suitability - Effective December 26, 2018 - under Section 403.1-B of Act 48, producers must complete at least four continuing education credits in an approved annuity training course. All producers with the authority to sell annuities in Pennsylvania will need to satisfy this four credit annuity suitability CE requirement.

Carryover Credits

A maximum of 24 hours may be carried over to the next reporting period

Course Repetition

Credit will not be given for courses taken more than once in each biennial reporting period.

Exemptions

• Insurance Producers continuously licensed since 12/31/1970, unless an additional line of authority was added after that date.
• Insurance Producers whose only line of authority is a restricted line
• Individuals exempted by the commissioner due to hardship or good cause such as a disability or medical condition
• Individuals who first obtained licenses without examination under Section 609(c) of the Fraternal Benefit Societies Code and whose appointments are limited to fraternal benefit societies
• Non-residents (except Title agents) are exempt if their home state has a CE requirement
• Title agents who are also attorneys and have completed their continuing legal education (CLE) requirement must only complete 3 hours biennially.

Credit Reporting

CAPE will report credits to Sircon within 3 days of course completion. A course completion certificate is provided for the agent’s record.

Contact Information:

If you have any questions regarding renewal or credits, please contact:

Pennsylvania Insurance Department
Bureau of Producer Licensing
1326 Strawberry Square
Harrisburg, PA 17120
(717) 787-3840
https://www.insurance.pa.gov/

Contact Cape:

Cape Education
P.O. Box 377
Newtown Square, PA 19073

Phone: 888-227-3331
Fax: 610-353-9471
Or email us below

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