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    Sandi Kruise Insurance Training
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    4-Hour OR Long-Term Care Partnership Refresher Course 132-4-hour-naic-ltc-&-partnership-refresher-course

    License Type : Accident, Health, Life, Long Term Care
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    • Description
    • State Information
    • Redeem Vouchers
    • Course Format

    Oregon State Requirements

    Updated: 12/16/2013


    Continuing Education Hours

    • All producers must complete 24 hours including 3 hours of ethics and 3 hours of Oregon law.
    • Individuals who hold a CLU or CPCU designation must complete 24 hours biennially.
    • Individuals who were exempt from the license exam due to having sufficient work experience or completing course work to obtain an industry-recognized designation may count the experience or course work as equivalent to having held the agent license for three years, and will have their CE requirement altered accordingly (contact the insurance department for details).
    • Individuals who were previously licensed as an agent in Oregon or in another state will have an altered CE requirement, based on the number of years previously licensed (contact the insurance department for details).


    Course Subject Requirements

    • Courses must be approved for the lines of insurance for which the agent is licensed.
    • Agent must complete three hours of Oregon law and two hours of ethics as part of the basic requirement.
    • 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

    The compliance date is the license renewal date.

    License Renewal Date

    The license renewal date is the last day of the producer's birth month, biennially.

    Types of courses accepted for CE Credit

    Independent self-study courses and classroom study.

    Final Exam

    • Online Interactive self study courses DO NOT require a monitor.
    • Paper-based courses and course exams MUST be monitored by a state-registered proctor OR a third party who is a librarian, clergyman, state or community college representative, certified public accountant (CPA) or attorney.

    Carryover Requirements

    No excess CE credit hours may be carried over to the next reporting period.

    Course Repetition

    Courses may not be taken for credit more than once in a renewal period.


    • Non-residents are exempt.
    • Individuals holding limited lines licenses for which an exam is not required.
    • Individuals who are retired, at least 58 years of age, have been licensed for at least 10 years, authorized to transact life insurance only and will be servicing existing policies only. This exemption requires department approval.

    Method to Certify Completion

    Sandi Kruise Insurance Training reports course completion information directly to the Insurance Division through the SBS tool Online Continuing Education (OCE) Students/Agents no longer need to self-report.



    For Additional Information please Contact:

    Oregon Department of Consumer and Business Services
    Insurance Division
    350 Winter St. NE, Room 440
    Salem, OR 97301-3883

    Mailing Address: 

    P.O. Box 14480
    Salem, OR 97309-0405

    PHONE: (503) 947-7981 or (503) 947-7248
    FAX: (503) 378-4351


    State Website: http://www.oregoninsurance.org/


    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.


    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!

    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.


    The Deficit Reduction Act made it possible for all states who wish to to offer Partnership for Long-term Care policies. The NAIC model law and regulation specify that agents must meet certain continuation requirements in order to sell this product. In most states, agents will be required to take an 8-hour course in order to transact any type of LTC/Partnership LTC insurance policies. Agents must then take a 4-hour CE course each license period.

    This course will satisfy the requirement for ongoing CE required by your state to continue to sell LTC/Partnership insurance. If you have a group of agents to train, please contact us regarding group discounts or in-house training.

    For the most up to date information about Long Term Care & Partnership in your state click here.

    Accident, Health, Life, Long Term Care
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