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MD Continuing Education Requirements

 

  • GENERAL REQUIREMENT: During each 24-month licensing period, a Maryland resident producer must earn 24 continuing education (CE) credits of approved education subjects. The CE credits must correspond with the line(s) of authority carried on the license.

  • GRANDFATHERING EXCEPTION: A producer who has held a license continuously for 25 or more years as of Oct. 1, 2008, is only required to complete 8 credit hours.

► In addition, producers who are over 70 years of age are exempt from CE. This is an unwritten rule, but a long-standing practice by the Maryland Insurance Administration (MIA). Also see "Other Items" below.

  • If you carry more than one line, you must earn at least 25% of your CE credits in each line for which you are licensed.  For instance, if you are licensed in both P&C and L&H, you must earn at least 6 of your CE credits in P&C and 6 of them in L&H.  The remaining 12 could be earned in either line. This rule also applies to "grandfathered" producers.

  • ETHICS: You need to complete three hours of Ethics credits (even if you are "grandfathered" or a title producer).

► However, if you are over 70, the MIA also exempts you from the Ethics requirement.

  • LTC: If you are licensed in health insurance and also sell long-term care insurance, you must also earn 2 continuing education credits approved for long-term care credits. In addition, a separate training requirement applies to producers who sell or wish to sell long-term care insurance in Maryland. The training requirement includes:

► a one-time, eight-hour training course. Producers who sold LTC insurance prior to Sept. 10, 2007 must complete the eight hours of training before Sept. 10, 2008. Producers who are only starting to sell LTC (e.g. getting a new license, adding the line of authority) must complete the eight hours of training prior to selling LTC insurance.

► an ongoing, four-hour training course, to be completed once in every 24-month period.

  • FLOOD:

► If you are licensed in P&C and sell Flood insurance, you must secure two CE credits in Flood insurance, with every licensing period. The deadline for initial compliance was September 30, 2006.

► If you do NOT sell Flood insurance but sell Homeowners’, then you also need to secure two CE credits in Flood insurance. However, this is a one-time requirement, and the compliance deadline was September 30, 2007.

  • OTHER ITEMS:

► There are no carryover credits allowed in Maryland.

► You may not earn credit for attending the same course within the same licensing period or during two renewal periods but within six months of each other.

► You will not be able to obtain more than half of your required credits from approved correspondence courses.

►Licensed producers who are over 70 are exempt from general CE requirements, including Ethics. Their Flood CE will not be monitored by the MIA either (but likely will be by Write-Your-Own carriers or the NFIP). However, they are NOT exempt from LTC training if they sell Long-Term Care products.

► The license renewal date is being transitioned to the last day of the producer's birth month.

► Several licensing changes went into effect in 2008. For more information those changes, click here.

► Non-resident licensees simply need to attest that they are in good standing in their home state and their license will be renewed. Maryland recognizes all states for continuing education purposes, and will use the NAIC producer database to check on the producer's good-standing status.