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Minnesota Insurance Continuing Education State Requirements

On this page, you will find all of the state-specific information for Insurance CE in the state of Minnesota.

Minnesota Department of Commerce

85 7th Place East, Suite 500

St. Paul, MN 55101
Phone: 651-539-1599 or  800-657-3978 (in MN) 
Fax: 651-539-1550
Website: http://mn.gov/commerce/
E-mail: licensing.commerce@state.mn.us


Annuity Requirements

Insurance producers (resident and nonresident) who hold a life license and who desire to sell annuities must complete a one-time, 4-hour annuity training course. Individuals who have obtained a life license after January 1, 2014, may not engage in the sale of annuities until the annuity training course has been completed. All licensed producers must complete product training before selling annuities in Minnesota.

Producers may complete the one-time 4-hour training course via classroom or self-study.

Long-Term Care Training

Producers must complete an initial 8 hour training course prior to selling long-term care products.  After completing the initial training course, producers are required to complete a mandatory 4-hour ongoing training course with 24 months of the initial training. The 4-hour refresher course must be completed biennially thereafter. The training must be specific to Minnesota Medicaid/Medical Assistance and its relationship to Minnesota Partnership plans. The requirement applies to both residents and non-residents.  

All Other State Requirements

Resident Requirements

Transcripts: Click Here for Link

All insurance producers and adjusters are required to complete 3 hours of Ethics as part of their total 24 hours of CE due each renewal period.

All Minnesota online courses are required to be seat-time tracked. For example, if you select a course that is approved for six hours, you will be required to spend six hours in the course.

A licensee cannot receive credit for more than eight (8) hours of continuing education in one day.

No more than 50% of the CE hours can be from company seminars.

All Independent and Public insurance Adjusters are required to complete 24 hours of continuing education. Three hours of Ethics are required as part of the total 24 hours of CE due each renewal period. There is no restriction for Adjusters regarding the method of instruction, but the hours must be from Commerce-approved courses. Independent and Public Adjusters can complete continuing education courses approved for insurance Producers.

The state of Minnesota requires all producers to undergo three hours of approved training before selling flood insurance policies. This one-time requirement can be met by taking a class that has been approved by Minnesota.

Minnesota does not require that insurance Producers complete only modules relating to the lines of authority that they hold. For example, a Producer who holds a Life line of authority can complete and use a continuing education course pertaining to property and casualty. We will be following this same rule with the Independent and Public Adjusters in that they can complete any course that is currently approved for insurance Producers. In other words, all insurance courses will be approved for “Insurance” continuing education; we will not distinguish between Producer or Adjuster licensees.

Please note: Any course that loses its status as an approved course will not be available for CE credit.


Non-Resident Requirements

Non-residents, who comply with CE requirements of the resident state, are exempt from Minnesota CE requirements, except for the LTC requirement. Licensees who do not claim this exemption must satisfy Minnesota resident CE requirements.

Course Repetition


Courses may not be repeated within the same licensing period.

Exam Rules

Online certification exams are closed book. Course materials are not available while the exam is in progress. The final exam must be passed with a score of 70% or higher to receive CE credit. If the exam is not passed on the first attempt, students have an unlimited number of retakes.

Proctor/Monitor Requirements

Online exams do not require a 3rd party monitor; however, the student must still fill out and sign the online Declaration of Compliance. By signing this Declaration the student is affirming and/or acknowledging that they understand and they completed the online exam without any assistance by any person, the course materials or other materials. The student’s acknowledgement shall also include the student’s understanding that a violation of such standards can result in the loss of course credit. The Declaration of Compliance is electronically transmitted to Kaplan Financial upon completion of the exam.

Period Requirements

Minnesota resident and nonresident licensees must complete their CE requirements prior to the last day of the birth month every two years.

Carryover Requirements

Carryover of CE hours is not permitted.

Reporting Requirements

Education provider to report within 10 days of completion. Need Agent’s license number to report.

Acceptable Training Methods

  • Online (Internet Delivery)
  • Company Seminars
  • Classroom


This information is based on state laws and regulations and is subject to change. Kaplan Financial Education makes every effort to make sure this information is current and accurate, however, Kaplan Financial Education is not engaged in rendering legal or professional advice and shall not be held responsible for inaccuracies contained herein.

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