Key Takeaways
- Pennsylvania insurance licenses are valid for 2 years and must be renewed before expiration
- Renewal requires 24 hours of continuing education, including 3 hours of ethics
- Licenses not renewed within 12 months of expiration require retaking the state exam
- Address changes must be reported to PID within 30 days
- PID can discipline licensees for violations including suspension, revocation, or fines
License Maintenance and Continuing Education
Pennsylvania insurance licenses require ongoing maintenance through continuing education and timely renewal.
License Terms and Renewal
| Item | Requirement |
|---|---|
| License Term | 2 years |
| Renewal Fee | $55 |
| Late Renewal (within 12 months) | $55 + penalty |
| Expired Over 12 Months | Must retake exam |
Continuing Education Requirements
Pennsylvania requires 24 hours of continuing education (CE) every 2 years:
CE Requirements
| Requirement | Hours |
|---|---|
| Total CE Hours | 24 |
| Ethics (required) | 3 |
| Electives | 21 |
| CE Period | 2 years (matches license term) |
CE Course Requirements
- Must be completed at approved CE providers
- Online and classroom options available
- Ethics course can be any state-approved ethics course
- Cannot repeat same course within 2-year period
- CE must be completed BEFORE license expiration
Exam Tip: Pennsylvania requires 24 hours of CE with 3 hours of ethics every 2-year renewal period. This is the same requirement as many other states.
Renewal Process
- Complete CE before expiration date
- Submit renewal through NIPR or PID
- Pay renewal fee ($55)
- Receive renewed license
Late Renewal Consequences
| Timing | Consequence |
|---|---|
| Before expiration | Normal renewal |
| Up to 12 months late | Penalty fee, cannot practice until renewed |
| Over 12 months late | Must retake licensing exam |
Reporting Requirements
Pennsylvania producers must notify PID of changes within 30 days:
- Change of business address
- Change of residence address
- Change of name
- Administrative actions by other states
- Criminal charges or convictions
Failure to Report
Failure to report changes within 30 days is a violation of the Insurance Code and may result in disciplinary action.
Disciplinary Actions
PID can take disciplinary action against licensees for violations:
Types of Discipline
| Action | Description |
|---|---|
| Warning Letter | Minor first offense |
| Probation | License continues with conditions |
| Suspension | Temporary loss of license |
| Revocation | Permanent loss of license |
| Fine | Monetary penalty |
| Restitution | Payment to harmed parties |
Common Violations
- Misrepresentation to clients
- Failure to disclose material information
- Commingling of funds
- Unauthorized transactions
- Failure to maintain CE requirements
- Felony conviction
License Status
| Status | Meaning |
|---|---|
| Active | License current and in good standing |
| Inactive | Not actively practicing |
| Expired | License term ended, not renewed |
| Suspended | Temporary disciplinary action |
| Revoked | License permanently cancelled |
| Surrendered | Voluntarily gave up license |
Reinstating a License
To reinstate an expired or inactive license:
- Complete any outstanding CE
- Pay required fees
- Submit reinstatement application
- May need to retake exam if expired over 12 months
How many hours of continuing education does Pennsylvania require for license renewal?
Within how many days must a Pennsylvania insurance producer report an address change to PID?
What happens if a Pennsylvania insurance license expires and is not renewed for more than 12 months?