Colorado Insurance Agent 24-Hour Continuing Education Course (Life, Health, Property, and Casualty)


  • Duration: 24 hours
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How to Renew Your Colorado Insurance License

General Requirements:

Total Hours

24 hours biennially for Producers

Compliance Renewal Date

Renewal date is the last day of the licensee’s birth month, biennially.

You may also need to take specific courses or earn specific credit types to renew your license. These course completions will count toward the total hour requirement.

Line-Specific Requirements:

At least 18 hours must be in license held. If multi-licensed, any course is allowed.

For All Licenses:

3 hrs – Producers must complete 3 hrs of Ethics as part of the total requirement. Excess Ethics will not count toward the 18 hours of line-specific courses.

Annuity Requirements

An insurance producer who engages in the sale of annuity products shall complete a one-time four (4) credit hour training course approved by the Colorado Division of Insurance and provided by a Division-approved continuing education provider. Individuals who obtain a life insurance line of authority may not engage in the sale of annuities until the annuity training has been completed.

Long-Term Care Training

Producers must complete initial training consisting of 16 hours – 8 hrs in traditional long term care (online or classroom) and 8 hrs specific to partnership (classroom only) – and then complete 5 hours of refresher training (classroom only) biennially thereafter.

Flood Requirements

This state has issued a notice reminding licensees who sell flood insurance of their requirement to comply with the minimum 3 hours of training requirements established by FEMA and the National Flood Insurance Program.

All Other State Requirements

Resident Requirements

Resident Insurance Producers must satisfy continuing education requirements in order to renew their license. The continuing education requirement is 24 hours every 2 years (3 hours ethics, 18 hours in major lines and 3 hours miscellaneous).

Colorado producers authorized to sell property or personal lines insurance must complete at least 3 hours of continuing education on homeowners insurance coverage during every two-year licensing period.

Colorado agents are required to complete 3 hours of ethics every 2 years.

Variable Contracts is a sub-line or authority attached to the Life license.

Colorado resident producers who sell or adjust claims-made policies must complete a one-time 2 hour class or approved correspondence course on claims-made policies and receive a certificate of completion.

This state has issued a notice reminding licensees who sell flood insurance of their requirement to comply with the minimum training requirements established by FEMA and the National Flood Insurance Program.

Non Resident Requirements

Non-resident licensees who comply with the CE requirements of their resident state are exempt from Colorado CE.

Non-resident agents must comply with the LTC training requirement for this state or another state which meets the NAIC LTC Model training outline.

Nonresidents who satisfy the Annuity training requirements of another state that are similar to Colorado’s law will be deemed compliant for Colorado’s requirement.

Course Repetition

Courses may not be repeated within a 2 year period.

Exam Rules

Online certification exams are closed book. Course materials are not available while the exam is in progress. The final exam must be passed with a score of 70% or higher to receive CE credit. If the exam is not passed on the first attempt, students have an unlimited number of retakes.

Proctor/Monitor Requirements
Online Requirements

Online exams must be monitored by a disinterested third party. A disinterested third party certifies that the licensee completed the exam without assistance (i.e., closed book, no tiling, layering of screens, etc.) and is someone who has no financial interest in the success or failure of the student’s ability to maintain their license. The monitor must complete the online Declaration of Compliance. If the licensee launches the exam without a monitor present, he/she will be disqualified from receiving CE credit for the course. Completion of the Declaration of Compliance acknowledges understanding and adherence to the specific requirements outlined by the State Department of Insurance. The Declaration of Compliance is electronically transmitted to Kaplan upon completion of the exam and may be audited for compliance purposes.

Period Requirements

Renewal date is the last day of the producer’s birth month, biennially.

Carryover Requirements

Licensees may carryover 12 hours to the next continuation period as long as they were earned in the 120 days prior to the compliance deadline.

Reporting Requirements

Report within 10 days of completion. Agent’s license number is required.

Instructor Credit

Any person teaching an approved course shall receive the same number of hours as his or her students.

Acceptable Training Methods

  • Online (internet delivery)
  • Correspondence (print)
  • Company seminars
  • Classroom
  • CBT/CD-ROM (computer-based training)
  • Company seminars

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