Continuing Education (CE) FAQ — Effective July 1, 2010

Continuing Education Question and Answers for Licensees on ACT 77 – 2010 CE Laws

When Does This Law Become Effective?

JULY 1, 2010

What Is The First Renewal Group That This Rule Will Take Affect?

The first renewal Group that will be affected are the August 16, 2012 renewals.

What Are The New Requirements For Continuing Education?

Pursuant to the Hawaii Revised Statutes §431:9A-124: “A licensee shall during the twenty-four months preceding a license renewal, complete the required number of credits hours in approved continuing education.”

The required numbers of credits are as follows:

For a licensee authorized to sell lines of insurance in only life/accident and health or sickness or only in property/casualty; twenty one credit hours relating to the class of insurance for which the license is held, and three credit hours relating to ethics and or the Hawaii insurance laws and rules.

For a licensee authorized to sell lines of insurance for both life/accident and health or sickness and property/casualty; the total requisite number for credit hours are twenty four hours of which:

• Ten credit hours relating to the life/accident and health or sickness class of insurance.
• Eleven credit hours relating to the property/casualty class of insurance.
• Three credit hours shall relate to ethics and or the insurance laws and rules.

Can I take an Ethics course instead of a Law Course?

Yes you may take an approved ethics course instead of a law and or rules course. The law states three (3) credit hours shall relate to ethics and or the insurance laws and rules.

Can I take a Law course instead of an Ethics Course?

Yes, you may take an approved course in the laws and rules. The law states three (3) credit hours shall relate to ethics and or the insurance laws and rules.

If I take both Ethics and Law/Rule courses will the excess credits go into the subject credits?

Yes if it is for the same line of insurance.

Can I take the same course twice, once for Life/Health and once for Property/Casualty and receive both credits?

No. Credit will be earned only for the first time a course is taken in a renewal period. A licensee may attend the course a second time but will not receive CE credits for the same course code.

Is anyone exempt from the continuing education requirements?

The continuing education requirement does not apply to the following:

  • Hawaii Revised Statutes §431:9A-116 (Reciprocity):

a) The commissioner shall waive any requirements for a nonresident license applicant with a valid license from the applicant’s home state, except the requirements imposed by section 431:9A-108, so long as the applicant’s home state awards nonresident licenses to residents of this State on the same basis.

(b) A nonresident producer’s satisfaction of the producer’s home state’s continuing education requirements for licensed insurance producers shall constitute satisfaction of this State’s continuing education requirements so long as the nonresident producer’s home state recognizes the satisfaction of its continuing education requirements imposed upon producers from this State on the same basis. [L 2001, c 216, pt of §2]

  • Hawaii Revised Statutes §431:9A-130 (Commissioner’s authority to grant waiver):

Upon the receiving of a written request and a showing of good cause, the commissioner shall have the authority to grant a waiver of any requirement of an insurance law or insurance rule as applied to an applicant or a producer. [L 2001, c 216, pt of §2]

Can I receive an extension for my continuing education requirements?

A licensee may request an extension of time if the licensee has good cause, or the licensee is on extended active military duty.

How do I request an extension of time for my continuing education requirements?

A licensee requesting an extension of time for their continuing education requirement shall submit a written request to the Insurance Commissioner explaining the reason for the request at least 90 days prior to the licensee’s renewal date.

What if I am getting a new license?

A new licensee who has been licensed for less than two years at the time of the licensee’s first renewal will be exempt from continuing education requirements for that renewal. The continuing education requirement will go into effect for each subsequent renewal thereafter for the new licensee.

My agency/company has a license. Does anyone need to take the continuing education requirements?

Yes, a designated representative must complete the continuing education requirement.

How long are my credits valid for?

The continuing education credits are valid for two years from the completion date of the course.

If I have more credits than required for a renewal, can I apply the excess credits to the following renewal?

No. Pursuant to the Hawaii Revised Statutes §431:9A-155: “No credit hours earned during a single renewal cycle may be carried over and counted towards satisfaction of the credit hour requirements for a following renewal cycle for the same license.”

What happens if I don’t complete my continuing education requirements?

Pursuant to the Hawaii Revised Statutes §431:9A-124(2d): “A licensee’s failure to satisfy all of the continuing education requirements prior to the renewal date shall result in that licensee’s license being automatically placed on an inactive status. To reactivate a license, the licensee shall submit proof to the insurance division that the requisite number of credit hours have been completed and the licensee shall pay any required fees and penalties.”

Where can I get a list of approved providers and courses?

A list of approved providers, courses and the provider’s contact phone information are available:

  1. Online at: CE Course and Provider Search
  2. E-mail your name, fax number or e-mail address to:InsLic@dcca.hawaii.gov and indicate “CE List of Providers” in the subject line;

The providers will inform you of their approved courses, credit hours, date and time of course offering, and if there are any applicable fees.

Do I need to do anything after I have completed a continuing education course?

The provider of the course will issue a licensee a certificate of completion, upon the successful completion of the course. A licensee must keep his or her records of continuing education credits for four years. The provider will submit the credit completion information to the Insurance Division. If there are any discrepancies in the amount of continuing education credits a licensee has earned, the Insurance Division will reconcile its records with the licensee’s certificate of completions and the course provider’s records at the time of the licensee’s license renewal.

How can a licensee verify the credits on file with the Insurance Division?

Licensees may check the credits that were reported to the Insurance Division online: http://www.ehawaiigov.org/agentce/
Licensees are reminded to maintain their certificates of completion for four years and should not submit the certificates to the Hawaii Insurance Division unless requested to do so. If there are any discrepancies, the licensee should contact the provider who offered the course and request that the provider submit the course roster to the Insurance Division.