Key Takeaways
- New Hampshire requires 24 hours of continuing education every 2 years
- At least 3 hours must be in ethics courses (maximum 10 hours can be ethics)
- CE must be completed 60 days before license expiration to avoid penalty
- First-time renewal licensees who passed the NH exam are exempt from CE
- Non-resident producers are exempt from NH CE requirements
License Maintenance and Continuing Education
New Hampshire insurance licenses require ongoing maintenance through continuing education and timely renewal.
License Terms and Renewal
Biennial Renewal System
| Item | Requirement |
|---|---|
| License Term | 2 years (biennial) |
| Renewal Date | Last day of birth month, every 2 years |
| CE Deadline | 60 days before expiration |
| Grace Period | Cannot sell during lapse |
Continuing Education Requirements
New Hampshire requires 24 hours of continuing education (CE) every 2 years:
CE Breakdown
| Requirement | Hours |
|---|---|
| Total CE Hours | 24 |
| Ethics (required minimum) | 3 |
| Ethics (maximum allowed) | 10 |
| General/Electives | 14-21 |
Important CE Rules
- CE must be completed 60 days prior to license expiration
- Courses may not be taken more than once in a reporting period
- Excess credits are not allowed to be carried forward
- State charges $1.00 per credit hour for reporting completions
Exam Tip: New Hampshire requires a minimum of 3 hours of ethics, but caps ethics courses at 10 hours. Complete CE 60 days before your expiration to avoid penalty.
CE Exemptions
First-Time Renewal Exemption
| Exemption | Detail |
|---|---|
| Who Qualifies | Resident licensees who passed the NH exam |
| Requirement | Renewing license for the first time |
| CE Required | NO - exempt from CE |
Non-Resident Exemption
| Exemption | Detail |
|---|---|
| Who Qualifies | Non-resident producers |
| Requirement | Must be in good standing in home state |
| CE Required | NO NH CE required |
CE Reporting
All approved CE providers submit course completion information directly to State Based Systems (SBS):
- SBS provides NHID with compliance information
- Course information is not submitted by individuals
- There is a state charge of $1.00 per credit hour for reporting
- Verify credits are posted before renewal deadline
Special Training Requirements
Flood Insurance Training
| Requirement | Detail |
|---|---|
| Hours | 3 hours |
| Frequency | One-time requirement |
| When Required | Before selling National Flood Insurance policies |
Long-Term Care Partnership Training
| Training Type | Hours | Frequency |
|---|---|---|
| Initial Training | 8 hours | One-time before selling LTCP |
| Ongoing Training | 4 hours | Every license renewal period |
Annuity Best Interest Training
| Requirement | Detail |
|---|---|
| Effective Date | February 16, 2024 |
| Who Must Complete | Resident and non-resident life producers selling annuities |
| When Required | Before selling, soliciting, or negotiating annuity business |
Adjusters CE Requirements
| Adjuster Type | Total Hours | Ethics Hours |
|---|---|---|
| Public Adjusters | 15 hours | 3 hours |
| Workers' Comp Adjusters | 24 hours | 3 hours (adjuster approved) |
Workers' Comp Adjusters need:
- 10 hours in Workers' Comp courses
- 21 hours in Multi-Line adjuster courses
- Including 3 hours of adjuster approved ethics
Disciplinary Actions
The NHID can take disciplinary action for violations:
Grounds for Discipline
- Violating insurance laws or regulations
- Fraudulent or dishonest practices
- Misappropriation of funds
- Misrepresentation to clients
- Failure to complete required CE
- Criminal conviction
- License violations in other states
Types of Discipline
| Action | Description |
|---|---|
| Warning | Minor first offense |
| Fine | Monetary penalty |
| Probation | License continues with conditions |
| Suspension | Temporary loss of license |
| Revocation | Permanent loss of license |
Reporting Requirements
Required Notifications
Producers must notify the NHID of:
- Change of business address
- Change of residence address
- Change of name
- Administrative actions by other states
- Criminal charges or convictions
Contact Information
- Address: 21 South Fruit Street, Suite 14, Concord, NH 03301
- Phone: (603) 271-2261
- Website: insurance.nh.gov
How many hours of continuing education does New Hampshire require for license renewal?
How many days before license expiration must New Hampshire CE be completed?
Who is exempt from New Hampshire continuing education requirements?
What is the maximum number of ethics hours allowed in New Hampshire CE?