Insurance Continuing Education: Idaho
September 8, 2021
If you’re a resident of Idaho, your insurance producer license is contingent on staying current with your continuing education (CE) credits. Because the U.S. is also a blanket of insurance license reciprocity agreements, that means your other licenses are also contingent on your resident state CE.
So hopefully you’re bought in: CE is mission-critical. That said, we’ve rounded up Idaho’s CE information, with the obvious caveat that readers shouldn’t just take our word for it: You’re responsible for staying in compliance with all the jurisdictions you operate in, so do your research.
What is the due date for Idaho Insurance CE Credits?
If you’re a resident insurance producer licensed in Idaho, your license expires on the last day of your birth month, every two years. The year of expiration is based on your license date – if you were licensed in an odd year, your expiration date will be the last day of your birth month in an odd year. And if you were licensed in an even year, then your renewal period will be in an even year.
Idaho does you a solid by sending a reminder 90 days before your expiration date to remind you that your CE and license renewal are coming due. So kind.
Who’s exempt from Idaho Insurance CE?
Before we jump into the real meat-n-potatoes (yes that is an Idaho joke) of CE requirements, we thought we’d mention who doesn’t need to worry about Idaho’s specifics. If you’re a nonresident Idaho insurance license holder, you’ll be considered in good standing in Idaho as long as you’re in good standing with your CE in the ole home state.
Other than that, the Idaho Department of Insurance also notes that Idaho producers who only hold limited lines of insurance or surplus lines licenses are exempt from the general CE requirements. These include producers who hold a variable insurance line of authority that is limited to credit or GAP insurance, travel, surety, pet, or portable electronics insurance.
Agency and nonresident adjusters are also exempt from these CE requirements. And licensees can apply to the state for exemptions or to be listed on inactive status for things like military service, etc.
How many hours of CE are required for Idaho insurance producers?
In Idaho, insurance producers and public adjusters are required to complete 24 hours of CE every two years, with three hours being specifically in ethics or consumer protection.
Other than the ethics requirements, Idaho is flexible about the courses that can qualify for CE – credits generally don’t have to be specific to your licensed lines of authority to qualify (exceptions are in a few paragraphs and won’t be any surprise to anybody who is familiar with CE in other states). Also, producers can count up to four hours of credit from CE classes that are approved for adjusters.
While you can’t repeat a CE course within one licensing cycle or roll any CE credits over, you can get dual credit for taking the required courses to earn certain professional designations such as those available from the College of Financial Planning. Idaho, like most states, is a member of the NAIC Continuing Education Reciprocity agreement, so producers can access a broad catalog of national courses.
A few specific sales lines necessitate specific CE requirements:
- Following the National Flood Insurance Program requirements, if you’re licensed to sell flood insurance you have to take a one-time three-hour class.
- If you’re looking to sell annuities, you’ll need to take a one-time training of four CE hours, following the NAIC’s recommendation.
- If you sell long-term care insurance, you have to take eight hours of training before you start selling those contracts, as well as four CE credits every renewal cycle after that.
The state notes that, while CE is technically due by your renewal date, the Idaho Department of Insurance suggests you complete your CE courses at least three weeks before your expiration date.
For more information about state-specific licensing requirements, or to find out how AgentSync can make it easier to operate across multiple states, check out our state pages.
Idaho Insurance CE FAQs
If you didn’t submit your renewal on time – or failed to take or report CE on time – you have 30 days past your renewal date to get current and submit your renewal with an additional $100 fine. Past 30 days and up to 60 days, the fee becomes $200, and between 60 and 90 days, your fee is $300. If you’re 90 days past your renewal deadline, you’ll need to get current on CE and must retest for your lines of authority. At the year mark (365 days), you will need to reapply for a completely new license.