Connecticut Insurance CE Requirements: Hours and Topics

Keeping your Connecticut insurance license active requires more than paying a renewal fee — you need to complete continuing education (CE) on schedule, using approved courses, and have it reported correctly. Connecticut's CE framework is distinctive in requiring not just total hours and ethics, but also minimum hours per line of authority held, which adds planning complexity.

Here's a clear breakdown of Connecticut's insurance CE requirements.

The Basic Framework

Under Connecticut General Statutes §38a-782a and implementing regulations in Connecticut Agencies Regulations §38a-782a-2(b), the Connecticut Insurance Department (CID) requires licensed insurance producers to complete continuing education during each renewal cycle.

For Connecticut resident insurance producers, the standard requirement is:

24 hours of CE every 2 years

3 hours must be in Connecticut insurance law and regulations, or ethics (Laws/Regs/Ethics)

Minimum 6 hours per line of authority held by the producer on the first day of each biennium

The remaining hours can be in approved insurance-related topics

This three-part structure (24 total / 3 LRE / 6 per line) requires careful planning.

Your License Renewal Cycle

Connecticut insurance licenses renew on a biennial (2-year) cycle tied to:

Your birth month (licenses expire the last day of your birth month)

Every 2 years thereafter

For new licensees, the first license cycle may be shorter than two years:

Example: License issued May 10, 2024, with last birthday December 4, 2023; the expiration would be December 31, 2025

Subsequent renewals follow the standard two-year cycle

This makes your renewal schedule predictable and tied to information you already know.

CE for Connecticut Resident Producers

The 24-hour CE requirement applies to resident producers holding any combination of major lines:

Life

Accident & Health or Sickness

Property

Casualty

Personal Lines

Variable Products

Multi-line CE rule: The total CE requirement is 24 hours regardless of how many lines you hold. However, you must complete at least 6 hours per line of authority held.

For example, a producer holding Life + Health + Property + Casualty must complete:

At least 6 hours of Life CE

At least 6 hours of Health CE

At least 6 hours of Property CE

At least 6 hours of Casualty CE

3 of those hours can be Laws/Regs/Ethics (counts toward total but not toward line minimum)

Total still equals 24 hours

This per-line minimum is distinctive to Connecticut and requires careful planning.

The 3-Hour Laws/Regs/Ethics Requirement

Connecticut requires 3 hours of Connecticut insurance law and regulations, or ethics CE as part of every 2-year renewal cycle. This requirement:

Cannot be substituted with general insurance content

Can be satisfied with Connecticut-specific law/regulation content OR ethics content

Must be completed through a CID-approved course

Applies to every renewal cycle

Counts within the 24-hour total

Excess hours rule: Any hours of Laws/Regs/Ethics beyond the required 3 count as general CE credits.

No Carryover of CE Hours

Per Connecticut Agencies Regulations §38a-782a-10, "No credit hours may be carried over from one biennium to the next." Even if you complete more than 24 hours in one cycle, the excess doesn't roll forward.

Plan each cycle independently — don't over-complete one cycle hoping to bank hours for the next.

Course Repetition Rule

You can't take the same CE course more than once in a given renewal period for credit. A duplicate course will only be awarded credits one time in the renewal period. You may take the same course in different renewal periods.

Specialty Training Requirements

Beyond standard CE, Connecticut has specialty training requirements for specific product types:

Long-Term Care Partnership Training. Before selling LTC insurance in Connecticut:

Initial 8-hour LTC training

Plus 4-hour classroom training on Connecticut Partnership Program

Initial training counts toward the 24-hour CE requirement

Required for both resident and non-resident producers selling Partnership policies

One-time requirement (no follow-up training needed for Partnership certification)

Annuity Best Interest Training. Effective March 1, 2022, Connecticut requires:

One-time 4-hour Annuity Best Interest course before selling, soliciting, or negotiating annuity products

Counts toward the 24-hour CE requirement

Resident and non-resident agents may complete in any state with substantially similar laws

NFIP Flood Insurance Training. Effective April 15, 2026:

One-time 3-credit NFIP Flood Insurance course required for resident producers with Property/Casualty or Personal Lines authority

Must be CID-approved

These specialty trainings count toward your 24-hour CE requirement when approved for Connecticut CE credit.

Non-Resident Producer CE

Non-resident producers in Connecticut are NOT required to complete Connecticut CE. They only need to meet their resident (home) state's CE requirements while maintaining good standing.

If their resident producer license is not active or not in good standing, they cannot renew their Connecticut nonresident license.

Specialty training (LTC Partnership, Annuity Best Interest, NFIP) may still apply to non-residents depending on circumstances and product sales.

Who Doesn't Need CE in Connecticut

Connecticut doesn't require CE for:

Non-resident producers (must maintain home state CE)

Licensees holding Credit Only or Limited Lines Travel Only authority

Adjusters (Connecticut doesn't require CE for adjuster licenses)

Insurance Consultants

Business Entities

The CE requirement applies primarily to resident insurance producers and Life Settlement Brokers.

Life Settlement Brokers

Resident Life Settlement Brokers have a separate requirement:

15 hours of CE every 2 years

Due by March 31st

Life Settlement Broker licenses renew March 31st annually

Resident producers who hold a Life Producer license are exempt from the 15-hour life settlement requirement

What Counts as Approved CE

Only courses approved by the Connecticut Insurance Department count toward your CE requirement. Coursework completed for another state cannot be applied to the Connecticut CE requirement except where specific exemptions apply.

You can find approved CE courses through:

State Based Systems (SBS) Course Lookup

Pearson VUE Provider and Course Lookup

Approved courses cover topics including:

Life insurance products, provisions, and planning

Health insurance, Medicare, and specialty coverage

Annuities and Annuity Best Interest training

Long-term care insurance and Partnership Program

Connecticut-specific law and regulation

Ethics and professional conduct

Federal regulations affecting insurance

Flood insurance (NFIP)

Property and casualty topics

How CE Hours Get Reported

You don't submit CE hours to the CID yourself. Approved course providers report completions electronically. Connecticut requires up to 3 business days for CE credits to be uploaded to your transcript.

Connecticut also requires a roster fee of $3.75 per course to process course completion hours.

Where to Check Your CE Status

Check your CE status through:

NAIC State Based Systems at sbs.naic.org/solar-external-lookup/license-manager

CID Education Transcript through the State Based Systems portal

When to Renew

Your license renewal occurs every 2 years on the last day of your birth month. Renewal is processed through NIPR (nipr.com).

Important timing note: Effective with the SBS transition on or about November 11, 2021, producers must complete their CE requirement before submitting renewal fees through nipr.com. Individuals whose CE requirements are not posted as compliant by the last day of their birth month will not be able to submit their renewal application and fee.

If CE is completed by the expiration date and reported within 10 business days, the renewal fee is $160 (no late fee).

If CE is completed after the expiration date, the late renewal fee of $320 applies.

What Happens If You Miss the Deadline

If you don't complete your CE hours by your renewal deadline:

Your license expires and is canceled. All appointments are also canceled.

You have one year from expiration to complete late renewal. This includes completing all CE and paying late renewal fees.

After one year of expiration: The license must be reinstated as a new application — meaning starting over including possibly retaking prelicense and exam.

Important: Connecticut does NOT grant extensions for completing CE requirements. Plan accordingly.

Best Practices for CE Compliance

Spread CE throughout the cycle. Don't wait until the final months. Spread hours across the 2-year period.

Track your renewal date. Calendar your renewal date prominently.

Plan for line-of-authority minimums. With 6 hours per line, multi-line producers need careful planning.

Verify CE status quarterly. Catch reporting problems while you have time to fix them.

Keep completion certificates. Save digital and printed copies as backup.

Use Connecticut-approved providers. Confirm CID approval before enrolling.

5 Frequently Asked Questions

• How many CE hours do I need every 2 years in Connecticut? 24 hours total, including 3 hours of Laws/Regs/Ethics, with minimum 6 hours per line of authority held.
• Can I carry over extra CE hours to the next renewal cycle? No. Per Connecticut regulation §38a-782a-10, no credit hours may be carried over from one biennium to the next.
• Do non-resident producers need to complete Connecticut CE? No. Non-resident producers only need to meet their home state CE requirements while maintaining good standing.
• What if I hold licenses in multiple lines of authority? Your total CE requirement is still 24 hours, but you need a minimum of 6 hours per line of authority held. Multi-line producers need to plan carefully.
• Does Connecticut require CE for adjusters? No. Connecticut does not require CE for adjuster licenses.

Stay Compliant Without the Stress

Connecticut CE is manageable with a plan — including proper attention to per-line minimums. At JustInsurance, our Connecticut CE courses are designed around Connecticut's specific requirements.

Enroll in our Connecticut CE courses today and keep your license active with confidence.