South Dakota Insurance Continuing Education (CE) Courses

South Dakota requires 10 hours of continuing education (CE) every 2 years to maintain an active insurance producer license. Of those 10 hours, 0 must specifically cover ethics and professional conduct — this is a mandatory component, not optional. All CE must be completed through a South Dakota Division of Insurance-approved provider before your license renewal deadline. JustInsurance is an approved provider and offers a complete 10-hour CE package for $75, including the required ethics hours.

JustInsurance offers a complete South Dakota CE package — covering all 10 required hours including the 0-hour ethics requirement — for $75. This is a flat-fee bundle with no per-course upsells or surprise charges. Individual CE courses are also available for agents who need only specific topics to round out their renewal hours. Every purchase includes immediate online access, self-paced completion, and automatic CE credit reporting to the South Dakota Division of Insurance on your behalf.

Yes. South Dakota approves online CE courses, and JustInsurance provides a full catalog of self-paced courses that meet all South Dakota Division of Insurance requirements. You can study on any device, pause and resume whenever you need to, and complete your 10-hour requirement in a single sitting or spread across multiple sessions. Once you finish each course, JustInsurance reports your completion electronically to the South Dakota Division of Insurance — you do not need to mail certificates or manually update your license record.

Your license lapses, all appointments terminate, and you must complete prior-period CE plus pay double renewal to reinstate within 12 months. Specifically in South Dakota: the grace period is 12 months to reinstate after lapse, the late fee is Double the renewal fee to reinstate, and reinstatement runs $40 reinstatement fee plus double renewal fee with a window of 12 months from lapse to reinstate without retesting. A lapsed license also interrupts your commission flow and can trigger carrier appointment reviews. JustInsurance makes it easy to finish your hours well before your deadline — the entire $75 package can be completed in a single day if needed.

If your South Dakota insurance license has lapsed, you typically have 12 months from lapse to reinstate without retesting to reinstate it before you must re-apply as a new licensee. Reinstatement in South Dakota runs $40 reinstatement fee plus double renewal fee, and you must complete any outstanding CE hours from the lapsed period before the South Dakota Division of Insurance will process your reinstatement. The sooner you act, the simpler the process — waiting too long can mean retaking prelicensing education and the state exam from scratch. JustInsurance courses report electronically to the South Dakota Division of Insurance, so once your hours are complete your reinstatement moves fast.

Carry-forward policy in South Dakota: Not publicly posted — contact South Dakota DOI. Carry-forward rules matter if you finish your required hours early in the cycle — in some states, the extra hours apply to your next renewal period, while in others any excess is simply lost. Ethics hours often have separate, stricter carry-forward rules than general CE hours, so even if general hours roll over, you typically need a fresh ethics course each cycle. For the current official carry-forward policy, always verify with the South Dakota Division of Insurance, which is the authoritative source of truth for your CE account.

Yes. South Dakota mandates that 0 of your 10 required CE hours specifically cover ethics and professional conduct. This is not optional — you must satisfy the ethics component separately from general CE hours, and the South Dakota Division of Insurance tracks it independently. Failing to complete the ethics hours is treated the same as failing to complete your total CE requirement. JustInsurance's $75 CE package includes a fully approved 0-hour ethics course, so your entire renewal requirement is covered in one purchase.