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    Sandi Kruise Insurance Training
    Your Best Choice for Insurance Education
    800-517-7500, 8:30am-3:30pm PST

    Unlimited CE Subscription - PENNSYLVANIA pen_sub

    License Type : Accident, Health, Life, Long Term Care, General
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    Click the Course List tab below to view all courses included in this subscription.

    • Description
    • State Information
    • Course List
    • Redeem Vouchers
    • CE Subscriptions
    • Course Format

    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.


    • 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.


    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: [email protected]

    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".
    1 HRS
    Accident, Health, Life, Long Term Care
    1 Hour NAIC LTC Partnership-PA
    Course Number : 111697 |
    Pennsylvania requires a specific one hour course in order to meet their Partnership training requirements. If you have already taken the 8 hour s..
    4 HRS
    Accident, Health, Life, Long Term Care
    Online Interactive
    4-Hour PA Long-Term Care Partnership Refresher Course
    Course Number : 117887 |
    8 HRS
    Accident, Health, Life, Long Term Care
    8-Hour NAIC LTC Partnership-PA
    Course Number : 112744 |
    Pennsylvania only requires that a 1 hour course be completed. All agents must take the 1 hour course before selling any LTC policies. This 8 hour cour..
    4 HRS
    Anti-Money Laundering-PA
    Course Number : 111298 |
    This course will teach agents to fully understand the issues related to anti-money laundering as set forth in the USA Patriot Act.This course is inten..
    14 HRS
    Charting Your Financial Future-PA
    Course Number : 103072 |
    This insurance continuing education course will lead agents through the continuum of Financial Planning for families from managing their credit and de..
    6 HRS
    Disability Income Insurance-PA
    Course Number : 113864 |
    This comprehensive course on disability income insurance is all the training agents need to educate clients and sell policies. This course defines and..
    10 HRS
    Dwelling And Homeowners Exposure And Insurance-PA
    Course Number : 101313 |
    This insurance continuing education course covers the risks involved in owning a home, and the ways in which individuals and families can use insuranc..
    4 HRS
    Ethics 4 Hour Training Course-PA
    Course Number : 116937 |
    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 ..
    5 HRS
    Casualty, Property, Flood
    FEMA Flood Insurance Course-PA
    Course Number : 111281 |
    This course will teach agents the various issues set forth in the Flood Insurance Reform Act of 2004. This course is written according to the guidelin..
    4 HRS
    Insuring EDP Equipment-PA
    Course Number : 104667 |
    By the end of this insurance continuing education course, agents should fully understand: What exposures affect Electronic Data Processing Equipmen..
    7 HRS
    Insuring Home Based Businesses-PA
    Course Number : 104463 |
    Following this insurance continuing education course, insurance agents will be able to understand the exclusions for business use found in homeowners ..
    25 HRS
    Life Insurance and Annuities Fundamentals-PA
    Course Number : 135042 |
    This course includes an in-depth discussion of life insurance and annuities, including, definitions, conditions, and other policies available to tailo..
    12 HRS
    Life Insurance Products And Uses-PA
    Course Number : 104669 |
    By the end of this online insurance CE course, agents should fully understand: The need for Life Insurance The uses, personal and business, for li..
    7 HRS
    Package Policies For Business-PA
    Course Number : 101312 |
    This insurance continuing education course will provide insurance agents with an overview of the Commercial Package Policy (CPP) program and an in-dep..
    9 HRS
    Personal Automobile Exposures And Insurance-PA
    Course Number : 101314 |
    This insurance continuing education course covers the risks involved in owning a personal automobile, and the ways in which individuals and families c..
    8 HRS
    Personal Umbrella Liability Insurance-PA
    Course Number : 104462 |
    Following this insurance continuing education course, insurance agents will be able to understand the need for additional liability coverage to supple..
    13 HRS
    Planning For Senior Needs-PA
    Course Number : 100803 |
    This insurance continuing education course will provide the agent with an in-depth understanding of the various programs and policies (both public and..
    8 HRS
    Scheduling Personal Property-PA
    Course Number : 104461 |
    Following this insurance continuing education, course agents will be able to understand the exclusions and limitations for high-value and special pers..
    11 HRS
    Surety Bonding-PA
    Course Number : 104668 |
    By the end of this insurance continuing education, insurance agents should fully understand: What Surety Bonds are Who needs them, and why The Hi..
    11 HRS
    Workers Compensation And Employers Liability Policy-PA
    Course Number : 104670 |
    By the end of this insurance continuing education course, agents should fully understand: The three major sections of the WC and EL policy. The St..

    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!

     CE Subscriptions

    Upon purchase, the student will have access to all of the courses on the course list tab.  You can click "Go to My Courses" on the left navigation bar or go to www.kruisetesting.com and enter the same user name (email address) and password you used to purchase your subscription to open your account.  All courses will be available for download, and all exams will be available to the student for a period of one year from the date of purchase. Just scroll down to the name of the course you wish to take, and there will be links to open the study materials and to take the exam. Students may get credit for each course once during the duration of the subscription. The cost of the subscription covers the online book/presentation, the exam & grading, the certificate of completion, and reporting (where required by law).  The only additional charges that may be assessed are:
    • The state filing fee which varies by state and by individual course.
    • Fees for additional certificates ordered for optional professional designation CE.

    This subscription applies only to the agent who purchases it, and cannot be transferred to or used by any other agent.

    Subscriptions expire in 365 days from purchase, there are no refunds for not using the package while it's active.


     If you wish to have printed materials shipped, the cost per book is $10 + shipping & handling per book.

    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.

    Unlimited access to online CE courses for one year! 

    Upon purchase, you will have access to ALL of the courses on the course list tab. All course materials will be available online and all exams will be available to you for a period of 365 days from the date of purchase. You can only receive a certificate of completion for each course taken and passed once during the one year subscription, this means students may get credit for each course once during the duration of the subscription. Purchasing this subscription applies only to the agent who purchases it and courses cannot be transferred to or used by any other agent. 

    Accident, Health, Life, Long Term Care, General