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    Ethics 4 Hour Training Course-NC 83-ethics-4-hour-training-course---monitored_17

    SK-ETHIC-CA-OL.jpg
    License Type : Ethics
    Insurance Credits : 4
    Course Number : C09038
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    Common price: $22.00 Our price: $22.20  
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    Note: A monitor must be present while taking this exam. Please click "Monitor" below for the monitor form and more information.
    • Description
    • State Information
    • Redeem Vouchers
    • Course Format
    • Monitor Information

    North Carolina State Requirements

    Updated: 12/16/2013

    Continuing Education Hours

    Agents and Adjusters:

    • 24 CE credit hours, including 3 hours of ethics, are required biennially for a single license.

    Course Subject Requirements

    • All courses must be licensed related courses.
    • Each person holding a property and liability, personal lines, or adjuster license shall complete a continuing education course on flood insurance and the National Flood Insurance Program within two years after January 1, 2008, and every four years thereafter.
    • L/H agents complete 9 hours L/H and 3 hours in general insurance.
    • LH/PC-combined licensees must complete at least 6 credit hours in LH courses and at least 6 hours in PC courses.
    • L/H agents may only complete 75% of the required hours in insurer- sponsored courses.
    •  Initial 8-hour training requirement: All producers must complete an initial 8-hour training course before they can sell, solicit, or negotiate long-term care partnership products. 
    • Nonresidents who satisfy the training requirements of another state that are similar to North Carolina's law will be deemed compliant with this requirement only if the insurance company chooses to accept the training completed in another state.
    • Ongoing 4-hour training requirement: After completing the initial 8-hour LTCP training requirement, producers must complete a 4 hour follow-up training course every 24-month compliance period following the initial training.  *Nonresidents who satisfy the training requirements of another state that are similar to North Carolina's law will be deemed compliant with this requirement only if the insurance company chooses to accept the training completed in another state.

    Compliance Date

    The renewal date is the first day of the agent's birth month biennially. The renewal date for agents born in odd years will be in odd years, and the renewal date for agents born in even years will be in even years.

    Public Adjusters renew on 3/31 annually.

    License Renewal Date

    No license renewals in this state. License is perpetual as long as agent does not go more than 1 year without a valid appointment and meets CE requirement.

    Type of courses accepted for CE Credit

    Independent self study online courses or classroom.

    The North Carolina Department of Commerce requires that all online interactive continuing education courses record the actual time the student spends in the course and not allow access to the final exam until the student's time equals the number of approved credit hours for the course. The course must also be stopped if the student has been inactive for more than 15 minutes.  Seat time is calculated by 50 minutes equals 1 credit hour.

    Carryover Requirements

    Excess credit hours can be carried forward to the next license term. Excess hours in ethics or flood insurance will carry forward as general credit.  Only whole credit hours will be carried forward.

    Credit hours that are carried over from a previous compliance period may be taken again in the next compliance period, and WILL NOT be considered a duplicate.

    Course Repetition

    Credit will not be given for a course taken more than once in a two year period.

    Final Exam

    Final exams for correspondence courses are required to be monitored by a disinterested third party. ONLINE EXAMS DO NOT REQUIRE A MONITOR. If the course consists of simply a book or exam, a monitor must be present. 

    Exemptions

    • Newly licensed individuals are exempt for the calendar year in which the license is issued.
    • Individuals who are at least 65 years of age, have been licensed continuously for at least 25 years, and either a) hold a CLU, CPCU, ChFC, FLMI or IIA designation, or b) certify that they are inactive insurance agency owners who neither solicit applications for insurance nor take part in the day-to-day operation of the agency. Effective 10/1/10, these licensee's will continue to be exempt from completing all of the CE requirements except for ethics and/or flood.

    Method to Certify Completion

    Your certificate of completion will be printed and mailed to your permanent address on file. The course provider reports credits earned to the insurance department with in 15 business days of course completion. The licensee keeps the original certificates of completion in his or her files for 3 years.

    Roster Fees

    A roster fee of $1.65 per credit hour ordered is required to process course completion hours in North Carolina and will be added to the order total upon checkout.

    Nonresidents

    • Exempt if licensee meets home state CE requirement. Licensee must submit filing fee to the insurance department by March 1.
    • Nonresident adjusters can complete 12 hours of property/ casualty courses approved by their home state.

    For Additional Information please Contact:

    North Carolina Department of Insurance
    Agent Services Division
    1204 Mail Service Center
    Raleigh, NC 27699-1204

    Phone: (919) 807-6800
    Fax: (919) 715-3794

    State Website: http://www.ncdoi.com/

     

    Seminars & Classroom Courses

    These courses are instructor led programs, usually in a live classroom setting, and do not require you to pass an exam to receive CE credit for the course. 

    You must choose one of the locations listed in the options above. Please make note of the address of the seminar you choose. You will also receive an email confirmation of your enrollment, which will include the address of the seminar. You can return here to review the address if you misplace it before the class.

    All of our seminars begin at 8:30 AM and end at 4:30 PM unless otherwise noted on your confirmation notice.  Please arrive at the classroom at least 10 minutes before the starting time on your confirmation notice. All students must be signed-in and seated BEFORE the official class start-time. If you arrive late, please DO NOT interrupt the class in session. You can talk to the instructor at the first break regarding the possibility of obtaining credit for the class or rescheduling for another date. Remember, these classes fill up quickly, and there is usually little or no room for agents who arrive at the last minute without registering in advance.

    Cell phones must be turned off during the entire duration of the seminar. You will have time to return messages and make calls during breaks and at lunch. 

    During the class, you must not have any materials on your desk except the textbook or handout provided by the instructor. By law, students who are reading other materials, talking to other students, sleeping, or otherwise not participating in the learning experience are not allowed to receive CE credit!

    Absolutely no recruiting or marketing for products, services, employment or any other activity is allowed at any time during the seminar - including during breaks and lunch. Students caught doing this may be asked to leave immediately and will NOT receive a refund.

    CA PARTNERSHIP CLASS REFUND POLICY:

    Due to the fact that we must pre-pay for locations, teachers, materials and shipping there is a 10-day cancellation or refund policy for classroom courses. If you find you need to cancel a classroom course you may either:

    1. Request a refund with our refund request form no later than 10 days from the class date: www.kruise.com/refund.pdf
    2. If you're inside the 10 day window you can move to a later class on our calendar or call and have us hold your payment for another time.
    3. If you request a refund after we've already shipped your materials to the class you will most likley not be able to receive a full refund.

    If you have received a CE voucher from an insurance company or wholesaler, you can redeem it by following these instructions. 

    • Choose your course format - see "course format" tab for more details or click "learn more" above options.
    • Click on the red "buy" button to proceed to checkout.
    • Be sure to enter your Voucher Code when checking out to apply your discount.
    • You will be able to download the study materials immediately by clicking the red "Download Course" on your receipt. It will also be emailed to you and will be available for one year in your customer account.
    • You will also be provided with a link and information to access the exam.

    Your voucher covers an online book, online exam, grading and one CE certificate for insurance. It DOES NOT INCLUDE printed books, printed exams, state fees or CE certificate(s) or reporting for additional designations or types of CE, although they are available as options for additional charge. 

    If you choose printed books or exams, you will be charged the balance due during checkout.

    If your state charges a fee to report your credit, this fee is due from you. When you check-out, you must pay this fee in order to access the course and obtain CE credit.

    After you pass your exam, you will be able to purchase CE certificates for professional designations such as CFP, CPE, etc. you will be charged $10 for each one. Please DO NOT order these additional certificates unless you currently hold that professional designation. There are NO REFUNDS for additional certificates ordered and not needed.

    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.

    If you hold a professional designation you may request a certificate for courses taken and exams passed for insurance CE credit. If you pass and exam and would like to get additional credit for one of these designations, please use the link to the left: "CFP & PACE Credit".

    If you do not hold a professional designation and do not need any type of CE other than for your insurance license renewal, please do not order a PACE or CFP certificate. It will not benefit you and once ordered, there are no refunds!

    There are no refunds for certificates ordered by mistake!

    Monitor Instructions - North Carolina

    IMPORTANT!!!

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

    The qualifications of the person who must monitor your exam are explained on the monitor form. The person monitoring your exam must be with you prior to beginning to take the exam. Taking the exam without your monitor present will invalidate your exam results and certificate.

    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 or email your form 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).

    System Requirements: All major browsers can be used to complete our courses.  This includes Internet Explorer 11.x or higher, Microsoft Edge 20 or higher, Firefox version 51 or higher, Apple Safari version 10.x or higher, and Google Chrome, version 56 or higher.

    Desktops, Laptops, Tablets, and most Smartphones are also supported.

    This course automatically includes a downloadable textbook and/or other course materials which you may print if you desire. When you are finished studying your course, the exam is taken online and it is graded immediately.  In most states you can also print your own certificate of completion, if you pass. There is no additional charge if you complete your course and exam completely online. 

    If you prefer, however, you may purchase a printed book and/or printed exam at additional cost.   

    You have 3 options if purchasing the course outside a subscription:

      1. Online book and online exam - included in price - You receive no printed materials-everything is online.
      2. Printed book and online exam - $5 additional - You receive a printed book but take your exam online.
      3. Printed book and printed exam - $10 additional - You receive a printed book and printed exam which you mail or fax to us for grading.

    For options 2 and 3, you will be able to choose either regular or express shipping during checkout.

    Please choose your option carefully!  There is no refund for printed materials or exams ordered by mistake!

    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.

    This is the mandatory course for students to complete their ethics requirement. All resident agents must have at least ethics in order to renew their license EVERY renewal period. This course is also worth continuing education credit.

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