Planning for Senior Needs 

This insurance continuing education course will provide the agent with an in-depth understanding of the various programs and policies (both public and private) available to seniors nationwide to assist them in paying for health care and long-term care expenses. This will help insurance agents to better explain the coverages to their clients and to properly recommend which coverages, and what limits of insurance to purchase, as well as the various coverage options and endorsements available. Subjects in this insurance CE course include:

• Medicare (including the new Part C);
• Medicare Supplements;
• Other insurance policies available to seniors;
• Medicaid;
• The problems associated with long term care;
• The different types of LTC coverage available;
• The difference between TQ and NTQ LTC;
• How to help clients understand and choose the proper LTC coverage;
• Alternatives to long term care; and;
• Resources available to agents and clients.

Pennsylvania State Requirements

Updated: 12/16/2013

Continuing Education Hours

• Insurance Producers must complete 24 hours of CE credits biennially.
• Title agents who are also attorneys and have completed their continuing legal education (CLE) requirement need only complete 3 hours biennially.
• All Pennsylvania property insurance producers must complete a one-time course related to the NFIP Flood requirement. The producer licensee will receive three hours of continuing education credits for completion of this course.

• Agents wishing to sell LTC must also complete a 8-hourLTC requirement prior to selling LTC products. The LTC requirement counts towards the completion of the basic CE requirement. By the end of each consecutive renewal period, agents must complete a 4-hour "refresher" state-approved LTC course to continue selling LTC.
• Agents wishing to sell flood insurance must also complete a one-time, 3 hour flood course approved for National Flood Insurance Program (NFIP) training.

Continuing Education Compliance Date

Certificate renews biennially based upon initial license effective date. To avoid possible lapse in licensure, it is recommended by the state that CE be completed in SUFFICIENT time to allow for reporting, processing, and issuance of a certificate of completion.

Certificate Renewal Date

Certificate renewal date is the last day of the producers birth month, biennially.

Type of courses accepted for CE Credit

Independent self-study courses or classroom.

Carryover Requirements

A maximum of 24 hours may be carried over to the next reporting period.

Course Repetition

Credit will not be given for courses taken more than once in each biennial reporting period.

Final Exam

Self-study final exams must be monitored by a disinterested third party, who is anyone other than a relative or supervisor.

Exemptions

• Producers licensed prior to January 1, 1971, who have been continuously licensed without adding additional lines of authority.
• Public adjusters
• Surplus Lines licensees
• Insurance Producers whose only line of authority is a restricted line.
• Individuals exempted by the commissioner due to hardship or good cause such as disability or medical condition.
• Individuals who first obtained licenses without examination under Section 609(c) of the Fraternal Benefit Societies Code and whose appointments are limited to fraternal benefit societies.
• Non-residents (except Title agents) are exempt if home state has a CE requirement.

Method to Certify Completion

Your certificate will be emailed to you once we receive your monitor form and report you for the course. The course provider reports credits earned to the CE administrator within one business days of course completion. The administrator sends confirmation of the credits and the producer's updated status to the producer. The producer keeps the original certificates of completion in their files for six years.

Nonresidents

Exempt, except Title agents. Title agents must complete Pennsylvania CE requirements, regardless of CE met in their home state.

Effective April 1, 2011, all producers licensed prior to April 1, 2011 must complete an initial 8-hour training course on long-term care products by April 1, 2012.  All producers licensed on or after April 1, 2011 must complete this training prior to selling, soliciting, or negotiating such products.

After completing the initial 8-hour LTC training requirement, producers must complete a 4 hour follow-up training course every 24-month compliance period following the initial training. Non-Residents who have completed an NAIC 4-Hour course in another state will be deemed compliant with Pennsylvania's requirement.

For Additional Information please Contact:

Pennsylvania Insurance Dept.
Bureau of Producer Licensing
1326 Strawberry Square
Harrisburg, PA 17120

PHONE: (717) 787-3840 or (866) 241-3113
FAX: (717) 787-8553

Email: ra-in-producer@state.pa.us

State Website: www.state.pa.us/

To check the status of your CE credits for your state:
*You will need your SSN and License number*

• 1. Go to http://www.sircon.com/
• 2. Click, "For Producers/Agents"
• 3. Click, "Obtain Education Information"
• 4. Click, "Education Transcript Inquiry"
• 5. Input your SSN, choose your state from the pull-down menu, and input your License number
• 6. Click, "Submit".

Course Format

System Requirements: Please note that Mozilla firefox 20 download here or Internet explorer 9 or higher: Download here 
are required to view our website when you wish to access the learning center. You should also note that taking courses over a wireless internet connection is not advised. When taking your exams you should try to be on a wired internet connection to your computer.

If your state requires monitored exams, you must have your monitor sign-in and follow the monitor instructions BEFORE you begin the exam.  See the State Information tab, Monitor tab and Help Center for more information.

How to Redeem Vouchers 

Monitor Instructions - General

 IMPORTANT!!!

Your state requires that your exam(s) MUST be monitored.

The monitor must print, sign and complete the affidavit found by clicking Printable Monitor Form to indicate that the exam was taken without any outside help from any source. Please fax the completed monitor form to: (619) 421-8171 immediately after completing the exam. Your exam will not be completed, and no CE credit will be awarded or reported to your state, until the properly completed, signed monitor form has been received (along with any state reporting fees that may be due).

Optional PACE or CFP Credit

Many of our Insurance CE courses are also approved for CE credit for agents who hold professional designations such as CLU, ChFC, CFP. The type of CE credit and number of hours approved are listed above in the course description.