Ethics & the Insurance Agent

Upon completion of this course, agents will be able to understand the importance of ethics when dealing with clients. Agents will learn the standards and requirements they are supposed to uphold, and how to successfully implement these when dealing with both clients and insurance companies. This course will allow the agents to create both a personal and professional code of ethics which they can follow in each and every aspect of their business. This course includes an overview of a variety of topics related to state and federal laws, including unfair trade practices, false or misleading advertisements, and privacy protection acts. These and the many other topics addressed in the course will provide all agents with a firm understanding of what it means to use ethical decision making, and how it will help them be a better agent and person.

Utah State Requirements

Updated: 12/16/2013

Continuing Education Hours

Producers and Adjusters: 24 hours of CE biennially, 3 of which must be ethics

Title Producers: 12 hours of CE biennially, 3 hours of ethics

Agents licensed 20 years or more must complete 6 CE hours biennially, including 3 years of ethics.

Course Subject Requirements

• Hours can be taken in any line of authority.
• 3 hours must be taken in Ethics.
• 50% of the total required hours must be taken in a classroom.
• All Utah licensed resident insurance producers who sell federal flood insurance policies 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.

Continuing Education Compliance Date

Same as license renewal date

License Renewal Date

License renewal date is the last day of license issuance month, biennially, based on year of issue.

Type of courses accepted for CE Credit

Independent self-study courses (up to one-half of requirement), Courses sponsored by the Insurance company for which licensee is employed (up to one-half of requirement), or Classroom (50% of the total required hours must be taken in a classroom).

Carryover Requirements

Carryover of excess CE credit hours is not allowed.

Course Repetition

Credit will not be given for courses that are repeated.

Final Exam

Final exam is not required to be monitored.

Exemptions

• Individuals whose license lapses due to military service, voluntary service for a period of time designated by the person for whom the licensee provides voluntary service, or some other extenuating circumstance, such as long term medical disability, may be exempt from the continuing education requirements in order to reinstate the license.
• An individual who was first licensed before April 1st, 1978 may be exempt from continuing education requirements.
• Producers holding and maintaining the following designations are deemed to have met the CE requirements: CLU, ChFC and RHU with completion of the PACE program; CPCU with completion of the CPD program; and CFP, REBC, CIC, ACSR, CRM, SOFE, or IRES with completion of their continuing education requirements.
• A title producer who is an active member in good standing with the State Bar, and has met the continuing education requirements of the Utah State Bar, is considered to have met the continuing education requirements for the Utah Insurance Department.

Method to Certify Completion

You will be able to print your certificate of completion online once you have completed your exam. The course provider reports credits earned to Sircon. The licensee submits the CE filing fee to the insurance department by the compliance date. The course provider keeps copies of attendance rosters on file for two years. The licensee keeps the certificates of completion in his or her files and furnishes them to the insurance department upon request as part of a random audit.

Nonresidents

Exempt if licensee's home state requires substantially similar CE. Nonresident submits letter of certification (not more than 90 days old) with the renewal card and fees. If licensee's home state has no similar CE requirement, licensee must comply with Utah's CE requirement.

Nonresident independent adjusters are required to be licensed in Utah.

For Additional Information please Contact:

State of Utah Insurance Department
3110 State Office Building
Salt Lake City, Utah 841141

Phone: (801) 538-3809 or (801) 538-3855
Fax: (801) 538-3829

Email: mcovington@utah.gov

State Website: http://www.insurance.state.ut.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 

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.