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New York Insurance Continuing Education State Requirements

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

New York State Department of Financial Services

New York City - Main Office
One State Street
New York, NY 10004-1511

Phone: (800) 342-3736 or (212) 480-6400


Transcripts: New York does not provide transcripts

Annuity and Life Insurance Requirements

Regulation 187 (Part 224 of Title 11 of the Official Compilation of the State of New York) requires insurers to set forth standards and procedures for recommendations to consumers so that the insurance needs and financial objectives of consumers are appropriately addressed. New York has recently modified Regulation 187 to include two main changes: 1) they have added a “best interests” component to the rule, which raises the standard on how producers recommend annuities to customers and, 2) they have expanded the regulation to include Life Insurance products. This is resulting in the need for additional training in New York.

Producers selling annuities to New York consumers will need to complete Best Interests training by this date.

Producers recommending a life insurance policy to a New York consumer must be trained by this date on the new provisions in Regulation 187 related to life insurance suitability and best interests.



Long-Term Care Training

Licensed producers who will sell New York State Long-Term Care Partnership (LTCP) insurance must complete a one-time six (6) hour training course prior to selling LTCP policies.

This course is only offered by the New York Department of Financial Services. More information can be found at: https://nyspltc.health.ny.gov/agents/index.htm.


Flood Requirements

This state has issued a notice reminding licensees who sell flood insurance of their requirement to comply with the minimum 3 hours of training requirements established by FEMA and the National Flood Insurance Program.


All Other State Requirements

Resident Requirements

All licensees (producers, brokers, consultants, adjuster) must complete 15 hours of CE credit every 2 years in the line in which the license is held. Of the 15 credit hours of instruction that a licensee is required, they shall complete the courses/programs/seminars that provide:

  • at least 1 hour of Insurance Law;
  • at least 1 hour of Ethics and Professionalism;
  • at least 1 hour of Diversity, Inclusion, and Elimination of Bias,
  • at least 1 hour of Flood Insurance (if the licensee is licensed to sell one or more lines of property/casualty insurance;
  • at least 3 hours of Enhanced Flood Insurance (if the licensee sells flood insurance through the NFIP).

Licensees may renew their license up to 180 days prior to the expiration date. If you did not renew your license prior to April 1, 2022, you will need to comply with the new continuing education requirements referenced above.



Non-Resident Requirements

Non-resident producers are exempt from CE, however, non-residents are not exempt from the LTCP requirement.

New York Health Benefit Exchange (NYHBE) Information

Kaplan Financial Education no longer offers the New York SHOP Certification Training class or the New York Individual Market Certification Training class. For information on becoming certified to sell on the NY State of Health Marketplace, please see the NY DFS site at https://nystateofhealth.ny.gov/agent"


Course Repetition

Course repetition is not permitted.

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

Effective 11/3/2020, the New York Department Of Insurance has permanently eliminated the requirement for an end of course exam proctor/monitor. Students will however still be required to complete the end of course exam.

Period Requirements

After your license has been renewed the first time, continuing education (CE) will always be required upon subsequent renewal or relicensing applications. Credits must be accumulated during the renewal period, which begins with the effective date of the license. CE must be completed before processing the renewal or relicensing application. License renewals must be completed every 2 years. If you were born in an even numbered year, your license will expire on your birthday in an even numbered year. If you were born in an odd numbered year, your license will expire on your birthday in an odd numbered year. The effective and expiration dates appear on all licenses.

Carryover Requirements

Carryover of CE hours is not permitted.

Reporting Requirements

Report within 30 days of completion. Need full license number to report.  

Acceptable Training Methods

  • Correspondence (Print)
  • Classroom
  • Online (Internet Delivery)
  • Company Seminars
  • CBT/CD-ROM (Computer-Based Training)


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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