Key Takeaways
- Utah requires 24 hours of CE every 2 years (biennial cycle)
- 12 of the 24 hours must be classroom or classroom-equivalent courses
- 3 hours of ethics training required each renewal period
- Producers licensed 20+ consecutive years only need 6 hours (3 ethics)
- License renewal due by last day of birth month every 2 years
- Producers licensed before April 1, 1978 may request CE exemption
License Maintenance and Continuing Education
Utah insurance licenses require ongoing maintenance through continuing education and timely renewal.
Continuing Education Requirements
Standard CE Requirements
| Requirement | Hours |
|---|---|
| Total CE Hours | 24 hours per biennium |
| Classroom/Equivalent | 12 hours minimum |
| Ethics (required) | 3 hours |
| Electives | 21 hours (any line) |
Course Type Requirements
| Course Type | Requirement |
|---|---|
| Classroom | 12 hours minimum |
| Classroom Equivalent | Counts toward 12-hour requirement |
| Self-Study/Online | Up to 12 hours |
Important: At least 12 of the 24 hours must be completed in classroom or classroom-equivalent format. The remaining 12 hours can be self-study or online courses.
Reduced Requirements for Experienced Producers
20+ Year Veteran Requirement
Producers licensed for 20 or more consecutive years qualify for reduced CE:
| Requirement | Standard | 20+ Years |
|---|---|---|
| Total CE Hours | 24 hours | 6 hours |
| Ethics Required | 3 hours | 3 hours |
| Electives | 21 hours | 3 hours |
CE Exemptions
| Exemption Category | Requirements |
|---|---|
| Licensed before 4/1/1978 | May request exemption |
| Military Service | May be exempt during active duty |
| Medical Disability | May request exemption with documentation |
| Voluntary Service | May be exempt (case by case) |
License Renewal
Renewal Cycle
- Frequency: Every 2 years (biennial)
- Due Date: Last day of your birth month
- Example: If born in July, license renews by July 31 every 2 years
Renewal Process
- Complete CE before expiration date
- Verify CE completion with Utah Insurance Department
- Submit renewal through NIPR or SIRCON
- Pay renewal fee
Non-Resident Compliance
- Non-resident producers meet CE by satisfying home state requirements
- Home state compliance verified through NIPR
- No separate Utah CE required for non-residents
Special Training Requirements
Annuity Suitability Training
Before selling annuity products in Utah:
| Requirement | Details |
|---|---|
| Training Type | Annuity Suitability Best Interest Standard |
| Frequency | One-time (initial) |
| Timing | Before selling, soliciting, or negotiating annuities |
| Approval | Must be state-approved course |
Long-Term Care Insurance Training
| Requirement | Hours |
|---|---|
| Initial Training | 3 hours (one-time) |
| Ongoing Training | 3 hours each biennial period |
| Prerequisite | Must hold Accident & Health line of authority |
Title Producer Requirements
Title producers have different CE requirements:
| Requirement | Hours |
|---|---|
| Total CE Hours | 12 hours per biennium |
| Classroom/Equivalent | 6 hours minimum |
Note: Title producers who are active members of the Utah State Bar in good standing and have met the Bar's CE requirements are considered to have met Insurance Department CE requirements.
CE Course Approval
Approved Course Requirements
- Must be approved by Utah Insurance Department
- Courses from all 24 hours must be department-approved
- Online, classroom, and webinar options available
- Provider reports completion electronically
Proof of Completion
| Requirement | Details |
|---|---|
| Retention | Keep records on file |
| Audit | Department may conduct random audits |
| Verification | Mail audit requests to verify hours |
| Records | Maintain certificates of completion |
Reporting Requirements
Notification Timeline
Utah producers must notify the Insurance Department of changes promptly:
Required Notifications
- Change of business address
- Change of residence address
- Change of name
- Change of business entity
- Administrative actions by other states
- Criminal charges or convictions
How to Report
- Update through NIPR or SIRCON
- Or contact Utah Insurance Department directly
- Failure to report is a violation of insurance law
Disciplinary Actions
The Utah Insurance Department can take disciplinary action for violations:
Grounds for Discipline
- Violating insurance laws or regulations
- Fraudulent or dishonest practices
- Misappropriation of funds
- Misrepresentation to clients or insurers
- Failure to maintain required CE
- Failure to report required information
- Criminal conviction
- Unfair trade practices
Types of Discipline
| Action | Description |
|---|---|
| Warning | Minor first offense |
| Probation | License continues with conditions |
| Fine | Monetary penalty |
| 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 |
| Cancelled | Voluntarily surrendered |
Lapsed License Reinstatement
If your license lapses:
| Lapse Duration | Reinstatement Requirements |
|---|---|
| Within renewal period | Complete CE, pay late fees |
| Extended lapse | May require re-examination |
| Military/Medical | Special consideration for reinstatement |
How many hours of continuing education does Utah require for license renewal?
How many hours of classroom or classroom-equivalent CE must Utah producers complete?
What is the reduced CE requirement for Utah producers licensed 20+ consecutive years?
When is the Utah insurance license renewal due?
Who may request exemption from Utah CE requirements?