New Hampshire Insurance Continuing Education

Resident Requirements

Resident producers must complete a minimum of 24 credit hours of New Hampshire-approved producer continuing education subjects each biennial (2-year) license term. Courses approved for adjusters only are not accepted to meet this total. At least three credits must be in ethics subjects, but no more than 10 ethics credits are applicable toward the 24-hour requirement.

Resident adjusters are required to complete 15 credit hours of approved CE every two years. As of January 1, 2020, three of these credits must be in ethics subjects.

Depending on the adjuster's line of work, there are additional guidelines:

• Multi-line adjusters: Multi-line adjusters may take only courses approved for multi-line or workers' compensation. The CE requirement for multi-line adjusters increased from 20 to 24 hours biennially, including three hours of ethics courses, as of January 1st, 2020. 
• Workers' compensation adjusters: As of January 1, 2020, the CE requirement increased from 20 to 24 credit hours biennially. Of this requirement, three hours must be in ethics subjects and a minimum of 10 hours must be completed in subjects approved for workers' compensation. The remaining CE hours can be completed in any subject approved for adjusters.

Additional guidelines to this CE requirement exist for licensees who sell specific products, including:

• Life and Health insurance: Producers must complete a one-time, eight-hour training course and 4 hours of ongoing long-term care (LTC) training every renewal period
• Annuities: Resident producers must complete a one-time, four-hour training course 
• Flood insurance: Resident producers must complete a one-time, three-hour course that covers the minimum training requirements established by the National Flood Insurance Program (NFIP).

CE coursework may be in-classroom, online, or through self-study. The New Hampshire Department of Insurance also accepts completed coursework that satisfies professional designations including LUTCF, CLU, ChFC, and CFP. 

Per state regulations, companies are required to provide anti-fraud training and cybersecurity awareness training (as of January 1, 2020) to employees as well.

Rules for Non-Residents

Non-residents in compliance with their own state's CE requirements are exempt from completing New Hampshire CE, provided their home state's requirements are similar to those set by New Hampshire law. This includes CE requirements for producers selling annuity and long-term care products. 

Non-resident producers who do not have a CE requirement in their state may be required to comply with standards set for their line of work by New Hampshire. 

Non-resident adjusters who do not have to complete CE training in their home state must complete 15 hours of New Hampshire-approved CE coursework. If declaring New Hampshire as their Designated Home State, adjusters must meet resident requirements.

The New Hampshire Department of Insurance may verify a non-resident's compliance and standing with their home state's license requirements.

Carryover of Excess CE

Excess CE credit hours earned cannot be carried over from one biennium to the next.

Insurance License Term Renewal Requirements

The license expiration date for both producers and adjusters is on the last day of the licensee's birth month biennially, based on the year of licensing.

The New Hampshire Insurance Department sends licensees a renewal notice 60 days prior to their license expiration date. This reminder is sent to the licensee's email address on record with the Department. Non-receipt of this email, however, does not disqualify a licensee from meeting their CE requirements.

Licensees must complete CE requirements 60 days before their expiration date for their license to be renewed by the State of New Hampshire.

• CE completed in this 60-day window prior to license expiration will be accepted but an additional late fee will be charged. This fee is $50 for producers and $25 for adjusters.
• CE completed after license expiry will be accepted to reinstate a license. The late fee for past-expiry CE credit submitted is $100 for producers and $50 for adjusters. 
• If a licensee does not comply with CE requirements within 2 years of license expiry, they must apply for a new license and re-take the licensing exam.

Renewals must be processed online through the NIPR website. Licensees are eligible to renew their license from 60 days prior to their expiration date.

License renewal fees are:

• $150 for insurance producers
• $75 for insurance adjusters

Rules for Taking the Exam

Certification exams are open book and students are permitted to access course materials during the exam. Exams do not require a monitor.

A score of 70 percent or higher is required to receive CE credit, and unlimited retakes are permitted until a passing score is achieved.

Rules for Repeating a Course

Credit will be granted only once for the completion of the same course repeated during an individual renewal period. A course can, however, be repeated for CE credit in different renewal periods. 

Credit for Instructors

CE course instructors are eligible to receive the same credit as the students enrolled in the course taught. Instructors are only eligible to receive credit for an individual course taught once per renewal period.

Reporting Rules

Credits must be reported to State Based Systems (SBS) within 15 days of course completion, which should be submitted to the state directly by the course provider.

It is recommended that you complete all CE at least 30 days prior to your CE due date (which is 60 days before the license's expiration) to give the CE provider sufficient time to report successful completions to the New Hampshire Department of Insurance. However, CE courses can be completed at any time within the current license term.

CE students are required to pay a $1.00 per credit hour reporting fee. This fee is paid to the education provider and then forwarded to SBS.

Insurance CE Requirement Exemptions 

Some resident licensees may qualify for CE exemptions, including:

• New licensees renewing their license for the first time
• Title insurance producers
• Licensees holding limited lines licenses that do not require an exam
• Licensees holding limited or restricted licenses declared exempt by the commissioner

Annuity Insurance Requirements

Producers intending to sell, solicit, or negotiate annuity products or represent an insurer in relation to an annuity product in New Hampshire must complete a one-time, 4-hour certification training course.

This course covers topics including:

• The fundamentals of annuity contracts, individual suitability, and sales practices
• Variable and fixed annuities, immediate and deferred plans, and different types of premiums and appropriate tax rules

Long-Term Care Training Requirements

Producers in New Hampshire selling long term care policies certified as a Qualified Partnership must be licensed as an insurance producer for accident and health or life. These producers are required to complete an initial one-time, eight-hour training course.

To maintain this license, producers must complete four hours of LTC training every biennial renewal period. This training can apply to the licensee's CE requirements.