License Renewal

Insurance License Renewal Guide

Don't let your license lapse. Here's everything you need to renew on time.

How Insurance License Renewal Works

Every active insurance license must be renewed on a schedule set by your state. Renewal requires completing continuing education (CE) credits before your expiration date.

CE

CE Hours Required

Most states require 24 hours of CE per renewal cycle. Hours must be completed through a state-approved provider like JustInsurance. At least a portion of those hours — typically 3 — must cover ethics.

E

Ethics Requirement

Nearly every state mandates a dedicated ethics course as part of your CE requirement. This course cannot be substituted with general CE electives. JustInsurance includes the ethics course in every CE package.

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Renewal Cycles

License renewal cycles range from 1 year (South Dakota) to 4 years (Arizona). Most states use a 2-year cycle. Your renewal date is typically tied to your birth month or license issue date. Check your state's portal for your exact deadline.

Step-by-Step Renewal Process

Renewing your insurance license with JustInsurance is straightforward. Here is the complete process from start to finish.

1

Complete Your CE Hours

Enroll in a JustInsurance CE package for your state. All courses are online and self-paced — complete them on your schedule, from any device. Most agents finish their required hours in one or two evenings.

2

We Report to Your DOI

Once you pass each course, JustInsurance automatically transmits your completion record to your state's Department of Insurance. Same-day reporting means your hours are on file the day you finish.

3

Confirm with Your State

Log in to your state's producer licensing portal to verify your CE hours are on file. Most states display completion records within 1 business day. Then submit your renewal application and pay the renewal fee.

4

You're Done

Once your state processes the renewal, your license is extended for another full renewal period. You will receive a confirmation from your state. Keep a copy for your records.

JustInsurance Advantage

Same-Day DOI Reporting

When you complete a CE course through JustInsurance, we transmit your completion record to your state's Department of Insurance on the same business day — not in 5–7 business days, not after a manual review queue.

This matters because your CE hours must be on file before your state will process your renewal. A provider that takes days to report can leave you in a limbo period where your license appears expired even though you finished your CE on time.

With same-day reporting, you can complete your CE, confirm the hours posted to your state portal, and submit your renewal application — all within a single day if needed.

Reporting Speed

Same Day

CE Credits Posted to Your State

Available in all 50 states we serve. No manual submissions required.

CE Requirements by State

CE hours and renewal cycles for all 50 states served by JustInsurance. Click any state to see full CE details and enroll.

StateCE HoursRenewal Cycle
Alabama24 hrs2 years
Alaska24 hrs2 years
Arizona48 hrs4 years
Arkansas24 hrs2 years
California24 hrs2 years
Colorado24 hrs2 years
Connecticut24 hrs2 years
Delaware24 hrs2 years
Florida24 hrs2 years
Georgia24 hrs2 years
Hawaii24 hrs2 years
Idaho24 hrs2 years
Illinois24 hrs2 years
Indiana24 hrs2 years
Iowa36 hrs3 years
Kansas24 hrs2 years
Kentucky24 hrs2 years
Louisiana24 hrs2 years
Maine24 hrs2 years
Maryland24 hrs2 years
Massachusetts45 hrs3 years
Michigan24 hrs2 years
Minnesota24 hrs2 years
Mississippi24 hrs2 years
Missouri24 hrs2 years
Montana24 hrs2 years
Nebraska24 hrs2 years
Nevada24 hrs2 years
New Hampshire24 hrs2 years
New Jersey24 hrs2 years
New Mexico24 hrs2 years
North Carolina24 hrs2 years
North Dakota24 hrs2 years
Ohio24 hrs3 years
Oklahoma24 hrs2 years
Oregon24 hrs2 years
Pennsylvania24 hrs2 years
Rhode Island24 hrs2 years
South Carolina24 hrs2 years
South Dakota10 hrs1 year
Tennessee24 hrs2 years
Texas24 hrs2 years
Utah24 hrs2 years
Vermont24 hrs2 years
Virginia24 hrs2 years
Washington24 hrs2 years
West Virginia24 hrs2 years
Wisconsin24 hrs2 years
Wyoming24 hrs3 years

New York not shown — JustInsurance does not currently serve NY. Data verified March 2026.

Common Renewal Mistakes to Avoid

These are the most frequent reasons agents have renewal complications — and all of them are preventable.

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Waiting Until the Last Week

CE deadlines are strict. Waiting until the final days of your renewal period leaves no room for technical issues, course completion delays, or reporting lag. Start at least 30 days before your expiration date.

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Taking the Wrong Courses

Not all CE courses count toward every line of authority. Make sure the courses you take are approved for your state and your specific license type (Life, Health, or Life & Health). JustInsurance packages are pre-filtered for your state and LOA.

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Name Mismatches

Your name on your CE completion record must match your licensed name exactly. A maiden name, missing middle initial, or suffix discrepancy can cause your hours to fail to post. Use the exact name on your current license.

License Renewal FAQ

How many CE hours do I need to renew my insurance license?

Most states require 24 hours of continuing education per renewal cycle, which is typically every 2 years. Some states require more — Arizona requires 48 hours over 4 years, Massachusetts requires 45 hours over 3 years, and Iowa requires 36 hours over 3 years. South Dakota is one of the lowest at 10 hours per year. Check the table on this page for your specific state's requirement.

What happens if my insurance license lapses?

If your license lapses, you may be required to retake the prelicensing course and state exam before you can get relicensed — the same process as a first-time applicant. This is costly and time-consuming. Most states have a short grace period, but relying on it is risky. Complete your CE and renew before your expiration date.

Does JustInsurance report my CE completion to my state DOI?

Yes. JustInsurance is an approved provider in all 50 states we serve. Once you complete a CE course, we report your completion directly to your state's Department of Insurance — typically the same business day. You do not need to submit anything yourself.

Can I start CE courses before my renewal window opens?

In most states, yes. You can complete CE courses at any time during your license period, not just during the final months. Completing CE early is actually recommended — it eliminates last-minute deadline pressure and gives you time to resolve any reporting issues well before expiration.

How much does CE cost with JustInsurance?

JustInsurance CE packages start at $39. This covers the required CE hours for most states, including the ethics component. Individual courses are available for agents who only need specific credits. Visit /continuing-education to see pricing for your state.

Renew Your License Today

Complete your CE hours online with JustInsurance. $39 packages, same-day DOI reporting, available in all 50 states.

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