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| Frequently asked Questions about Education |
| Who is required to take continuing education courses? Most individuals who are licensed as a resident producer are required to take CE courses. Individuals who are authorized to sell only HMO coverage, travel insurance, and credit insurance are not required to take CE courses. When must CE be completed? Required CE must be completed before a license can be renewed. CE must be taken before the expiration date of the license. For example, if your license expiration date is May 20, courses must be completed on or before May 19. How many CE credits are required for renewal? In general, licensees must earn a total of 16 CE credit hours for a two year license. Licensees who have been licensed continuously for 25 years from the current renewal year (no gaps in license history) only have to earn 8 hours of CE. How are credits reported? Providers must report course completions to Thomson Prometric on a roster within 30 calendar days of the completion of the course. Licensees do not need to submit course completion certificates. I am an attorney and am licensed as a title insurance producer. Am I required to take CE Courses? No. A licensee who holds the title line of insurance and is a Maryland attorney (admitted to practice before the Maryland Court of Appeals) is not required to take CE. I am renewing a non-resident producer license. Am I required to take Maryland CE Courses? No. Maryland issues non-resident license by reciprocity with all states. Provided you are in good standing in your home state, Maryland will issue a non-resident license without any further CE requirements. |
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| I only recently became licensed. Do I have to take CE for renewal? Yes, Maryland no longer issues licenses for less than 2 years. Beginning in mid-March 2001, all new licensees were issued 2-year licenses and must meet the CE requirements for renewal of that license. Can I take the same CE courses more than once? Yes, but you will not receive credit if the course is repeated within the same renewal period. If the course is taken during two consecutive renewal periods, there must be at least 6 months between the course completion dates in order to receive credit. Are there requirements as to the subject matter of the required CE courses? Yes. Licensees must take CE courses that pertain to the lines of insurance that they hold on their producer license(s). Licensees who hold just Life and Health, must take the total CE hours in L/H courses. Licensees who hold just Property and Casualty, must take the total CE hours in P/C courses. Licensees who hold a mix of Life, Health, Property and Casualty lines of insurance, must take 25 percent of the total hours in each category - L/H and P/C. For example, a licensee who needs 16 hours and who is authorized for both Life and Health, and Property and Casualty must take a minimum of 4 hours in L/H courses and a minimum of 4 hours in P/C courses. The remaining 8 hours can be taken in either category. If the licensee must fulfill only 8 hours of CE, a minimum of 2 hours must be in L/H courses and a minimum of 2 hours in P/C courses. The remaining 4 hours can be taken in either category. Title producers are expected to fulfill their CE requirements by taking title insurance CE courses. |
| Are there any special requirements for Long-Term Care? Yes. Resident licensees who are selling long-term care insurance must earn 2 of their total CE hours by taking a long-term care course. This will count toward their L/H requirement. Are there any special requirements for flood insurance? Yes. If the property & casualty insurance producer sells flood insurance, they must complete at least 2 of their required continuing education credits in flood insurance on or before September 30, 2006 and at each renewal after. Also, effective October 1, 2005, if the property & casualty insurance producer is selling homeowners insurance, the insurance producer must complete at least 2 of the required continuing education credits in flood insurance by September 30, 2007. This is a one-time requirement. For details on the flood insurance CE requirements, go to the MDwebsite at: www.mdinsurance.state.md.us From the home page, select, Producer Services>>Licensing>>Continuing Education. Do correspondence (self-study) courses count? Yes, but resident licensees can only take 50 percent of their required CE credit hours via correspondence courses. Can I get an extension of time to complete my CE credits? No. The program does not provide for extensions. Can the CE requirement be waived? Yes. Maryland law allows for the waiver of CE for hardship based on medical reasons. CE waivers are granted on an exception basis. The request for a waiver must be sent in writing to the Maryland Insurance Administration, Producer Licensing Section, 525 St. Paul Place, Baltimore, MD 21202-2272. What are the consequences of failing to meet my CE requirement? Your license will not be renewed. |
| How can I determine whether a course has been approved? Generally the provider of the course will be able to advise you. You can also call Thomson Prometric at 800.324.4592 or e-mail CE-Services@experioronline.com. Do I need to file a completion certification with my renewal application? No. CE providers are required to report credit hours directly to Thomson Prometric. Licensees do not have to provide CE course completion certificates with their renewal notices. You should retain copies of the completion certificates so that you can readily show which courses you have taken if the MIA audits your application. |
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