Key Takeaways
- Oregon insurance licenses must be renewed every 2 years by the last day of the renewal month
- Renewal requires 24 hours of CE, including 3 hours ethics and 3 hours Oregon laws
- A maximum of 8 hours can be completed in any 24-hour period
- CE providers have 15 days to report credits - do not wait until the last minute
- Effective January 1, 2026, Oregon will increase filing and renewal fees
License Maintenance and Continuing Education
Oregon insurance licenses require ongoing maintenance through continuing education and timely renewal.
License Terms and Renewal
Biennial Renewal System
| Item | Requirement |
|---|---|
| License Term | 2 years (biennial) |
| Renewal Due | Last day of renewal month |
| Renewal Method | Online through NIPR |
License Expiration
Oregon licenses expire based on a 2-year renewal cycle. CE hours are due by the last day of the renewal month.
Important: By law, CE providers have 15 days to enter your credits. If you wait until the last minute to complete CE, your renewal may be late!
Continuing Education Requirements
Oregon requires 24 hours of continuing education (CE) every 2 years:
CE Breakdown
| Requirement | Hours |
|---|---|
| Total CE Hours | 24 hours |
| Ethics (required) | 3 hours |
| Oregon Laws & Rules (required) | 3 hours |
| Electives | 18 hours |
Daily Limit
- A maximum of 8 hours can be completed in any 24-hour period
- Plan your CE completion accordingly
Required Content
Ethics (3 hours)
- Must be approved ethics course
- Cannot be substituted with general CE
Oregon Statutes and Administrative Rules (3 hours)
- Must cover changes to Oregon insurance law
- Oregon-specific course required
- Cannot be satisfied with general CE
CE Course Requirements
- Must be completed at DFR-approved providers
- Online and classroom options available
- Must be completed BEFORE license expiration
- CE credits reported electronically by providers (up to 15 days)
Special Training Requirements
Long-Term Care (LTC) Training
| Training Type | Requirement |
|---|---|
| Initial Training | One-time 8-hour state-approved course |
| Ongoing Training | 4 hours every 2 years following initial completion |
| When Required | Before selling or soliciting LTC insurance |
Annuity Training
| Requirement | Details |
|---|---|
| Course | One-time 4-hour Annuity Suitability Best Interest course |
| When Required | Before selling, soliciting, or negotiating any annuity products |
Flood Insurance Training
| Requirement | Details |
|---|---|
| Course | One-time 3-hour NFIP-approved course |
| When Required | Before selling National Flood Insurance Program policies |
CE Exemptions
The following individuals are exempt from Oregon CE requirements:
| License Type | Exemption |
|---|---|
| Consultants | Not required to complete CE |
| Limited Lines | Licenses for which exam is not required |
Non-Resident Exemption
Non-resident producers are exempt from Oregon's CE requirements if:
- Licensed in their home state
- In compliance with their home state's CE requirements
2026 Fee Changes
Effective January 1, 2026, Oregon will increase filing and renewal fees for investment companies and agents:
| Fee Type | Change |
|---|---|
| Filing Fees | Increased |
| Renewal Fees | Increased |
Contact DFR for specific fee amounts.
Reporting Requirements
Oregon producers must notify DFR of changes:
Required Notifications
- Change of business address
- Change of residence address
- Change of name
- Administrative actions by other states
- Criminal charges or convictions
How to Report
- Update through NIPR online portal
- Or contact DFR directly at web.insagent@oregon.gov
- Failure to report is a violation
Disciplinary Actions
DFR can take disciplinary action against licensees for violations:
Grounds for Discipline
- Violating insurance laws or regulations
- Fraudulent or dishonest practices
- Misappropriation of funds
- Misrepresentation to clients
- Failure to maintain CE
- Failure to report required information
- Criminal conviction
Types of Discipline
| Action | Description |
|---|---|
| Warning | Letter for minor violations |
| Probation | License continues with conditions |
| Fine | Monetary penalty per violation |
| Suspension | Temporary loss of license |
| Revocation | Permanent loss of license |
License Status Types
| Status | Meaning |
|---|---|
| Active | License current and in good standing |
| Inactive | Not actively selling (voluntary) |
| Expired | License term ended, not renewed |
| Suspended | Temporary disciplinary action |
| Revoked | License permanently cancelled |
How many hours of continuing education does Oregon require for license renewal?
How many hours of Oregon laws and rules CE are required each renewal period?
What is the maximum number of CE hours that can be completed in a 24-hour period in Oregon?
What initial training is required before selling annuities in Oregon?