We are an approved South Carolina Department of Insurance education provider (Provider ID# 200737). Don't let your continuing education requirements get in the way of your business — take them when you want, where you want! At Your Pace Online offers South Carolina approved CE courses, available online using any internet capable device. Take the classes At Your Pace Online, and when you're done, we'll report your credits to SBS within five days!
Due to state requirements, courses cannot be retaken for credit within 24 months and 1 day of the original completion date.
24 Hour Life & Health with Ethics
24h courseIncludes the $24 reporting fee.
This course provides all 24 hours of CE that you need! This course will review key concepts and principles of Life & Health insurance. It includes 21 hours of general content, 3 hours of Ethics and the mandatory exam.
24 Hour Property and Casualty Package
24h packageIncludes the $24 reporting fee.
The focus of this continuing education course is property and casualty insurance. By completing this course, an insurance producer will gain 24 hours of instruction that can be applied toward license renewal. This course discusses a number of topics including professional ethics, dwelling and homeowners insurance, automobile insurance, insurance for business owners, and workers’ compensation insurance.
21 Hour Life and Health Review
21h courseIncludes the $21 reporting fee.
This course will review key concepts and principles of Life & Health Insurance. This course provides 21 hours of Life and Health continuing education, and the mandatory exam.
21 Hour Property and Casualty Review
21h courseIncludes the $21 reporting fee.
Insurance producers who take this course will gain 21 hours of continuing education on property and casualty insurance. This course discusses a number of subjects including insurance for private residences, automobile insurance, commercial insurance, and workers’ comp.
10 Hour Property and Casualty Review
10h courseIncludes the $10 reporting fee.
In this 10 hour course, an insurance producer will gain instruction on property and casualty insurance for commercial enterprises. Specifically, the course discusses commercial package policies, businessowners insurance and workers’ compensation insurance.
8 Hour Initial LTC Continuing Education Course
8h courseIncludes the $8 reporting fee.
This eight-hour course applies to producers who need to earn their initial certification in order to transact long-term care (LTC) insurance. This course will cover key principles and concepts related to long-term care insurance coverage and will discuss a number of important issues surrounding long-term care, including an introduction to the history and concepts related to LTC, what long-term care insurance is and its associated uses, levels of care, eligibility for coverage, settings for care, the Activities of Daily Living, alternatives such as Medicare, Medigap and Medicare Advantage plans, and Medicaid.
3h courseIncludes the $3 reporting fee.
This course discusses many different topics surrounding ethical practices, such as ethics versus morals, ethics in practice, ethical decision-making models that illustrate how ethical dilemmas may be solved, and the terminology used in ethics, such as tort law, equity, and more. The course will assist the student in making the proper ethical decisions, provide examples of poor ethical choices, and the legal enforcement of ethics.
4 Hour Long-Term Care Ongoing CE
4h courseIncludes the $4 reporting fee.
This four-hour course applies to producers who need to complete their Long-Term Care (LTC) refresher course in order to maintain their ability to sell Long-Term Care insurance. This updated course will cover key principles and concepts related to long-term care insurance coverage and will discuss a number of important issues surrounding long-term care, including an introduction to the history and concepts related to LTC, what long-term care insurance is and its associated uses, levels of care, eligibility for coverage, settings for care, the Activities of Daily Living, alternatives including Medicaid and life insurance riders, and important sections of the National Association of Insurance Commissioners (NAIC) Model Long-Term Care Act and changes.
3h courseIncludes the $3 reporting fee.
This 3-hour course for property and casualty insurance producers meets the continuing education requirements for those wishing to sell flood insurance in this state. The course includes important flood insurance material including the National Flood Insurance Program (NFIP) and changes, community participation requirements, premium rating including Risk Rating 2.0, coastal barriers, flood maps and zones, policies and products that are available, including applicable definitions.
Moving on, the course details preferred policies, coverage provided, exclusions and conditions. Increased cost of compliance, general rules, covered claims, loss settlements, binders, group flood coverage, types of buildings, ICC claims, the FIRA handbook, agent resources, write-your-own coverage compared to the plan through FEMA, and much more.
Resident producers must complete 24 hours of continuing education, including:
If you have a dual license in life/health and property/casualty, you must complete at least eight hours in each line held in addition to the ethics requirement. Ethics courses may not be applied toward a given line
Non-residents may fulfill South Carolina's continuing education requirements by complying with the requirements of their home states. South Carolina is reciprocal with all other states in this matter
You may apply up to 18 hours of excess CE to the following term if you complete more than the required CE hours. Ethics hours carry over as general credits and will not meet the following term's ethics requirement
You must complete your continuing education requirements for each term by the compliance deadline. The compliance deadline takes place on the last day of your birth month every two years. If you were born in an even-numbered year, your deadlines will occur in even-numbered years. If you were born in an odd-numbered year, your deadlines will occur in odd-numbered years.
Your renewal will not be available on the National Insurance Producer Registry (NIPR) until you have completed your continuing education. You are encouraged to fulfill the requirements at least a week before your license's expiration date in order for minor delays to not prevent you from renewing your license.
If you fail to complete your continuing education on time, your license will lapse, and you will not be able to conduct any insurance business. Agency and broker licenses will likewise lapse until your producer license is reinstated.
You will have six months to reinstate a lapsed license by meeting all requirements and paying associated fees. If you fail to reinstate within six months, your lapsed license will be canceled entirely. In order to regain licensure, you will have to reapply for the license and retake and pass South Carolina's licensing exam.
In order to pass a continuing education course, you must score at least 70 percent on the final exam. This exam must be taken closed-book, which means that you may not refer to course material or any other outside sources while taking the exam
All exams must be monitored by an impartial proctor — someone who has no financial interest in your performance on the exam. That person may not be an employer, supervisor, employee, spouse, relative, or minor.
If you do not pass on the first try, you may retake the exam as many times as you like.
CE courses may be taken every two years from the original completion date. You may retake the course for personal gain, but you will not receive additional credit.
If teaching an approved insurance course, you may receive the same number of CE credit hours as the students taking the course.
Your course provider will submit proof of course completion on your behalf. You can look up how many CE hours you have completed and the number of requirements you have remaining through the State Based Systems (SBS) website, part of the National Association of Insurance Commissioners (NAIC).
After you pass the course, the course provider will also issue you a certificate of completion. You must keep your certificate of completion for five years in order to resolve any disputes that may arise
If you have completed a course but the credit hours do not appear on the SBS, contact your course provider directly and attempt to resolve the discrepancy with them before appealing to the South Carolina Department of Insurance.
If you hold only a limited lines license, you are exempt from all continuing education requirements
All other producers are subject to the same requirement of 24 CE hours. As of January 1, 2010, all South Carolina laws granting exemptions, reductions, or extensions were repealed. If you were granted an exemption or reduction prior to this date, you will continue to be exempt or have reduced hours. However, if you add a new line of insurance or allow your license to become inactive, you will lose this status and will have to complete the ordinary 24 CE hours.
In cases of severe hardship, you may apply for a waiver of CE requirements prior to the end of your compliance period. You also must pay the renewal fee by this date. Applications must be made in writing to the South Carolina Department of Insurance, and waivers will be granted at the department's discretion.
Non-resident producers who have completed the CE requirements of another state are deemed compliant with South Carolina's CE requirements and are exempt from additional South Carolina CE.
Before handling annuity products, you must take a one-time four-hour training course. This four-hour course can be applied towards the total number of required CE hours for that term.
Individuals who have completed a substantially similar course in another state are exempt from this requirement.
In order to sell long-term care (LTC) products, you must complete special training that includes:
These training hours can be applied toward the total number of required CE hours for that term.
Individuals who complete substantially similar coursework in another state are held to be compliant with South Carolina's requirements as well.
In order to comply with the requirements established by FEMA and the National Flood Insurance Program, you must complete a one-time three-hour course before selling flood insurance.
These training hours can be applied toward the total number of required CE hours for that term.
