<?xml version='1.0' encoding='utf-8'?>
<regulation prefix="Regulation" num=".03" citation="COMAR 31.03.02.03" title_num="31" subtitle_num="03" chapter_num="02" heading="General Continuing Education Requirements.">
  <paragraph num="A.">
    <text>Except as set forth in this regulation, in order to renew a license, a licensed insurance producer shall successfully complete in each renewal period at least 24 hours of continuing education.</text>
  </paragraph>
  <paragraph num="B.">
    <text>A licensed insurance producer who, as of October 1, 2008, has held a license for 25 or more consecutive years shall successfully complete 8 hours of continuing education in each renewal period in order to renew the license.</text>
  </paragraph>
  <paragraph num="C.">
    <text>A licensed insurance producer shall obtain at least 3 hours of continuing education in Ethics.</text>
  </paragraph>
  <paragraph num="D.">
    <text>A licensed insurance producer shall obtain hours of continuing education in the kind or subdivision of insurance for which they hold a license, as follows:</text>
    <paragraph num="(1)">
      <text>Except for the required hours of continuing education in Ethics, if the licensed insurance producer has only a license for property insurance, casualty insurance, or any of the subdivisions of property or casualty insurance, the licensed insurance producer shall obtain all necessary hours of continuing education in courses designated by the Commissioner as “Property/Casualty” or “PC”;</text>
    </paragraph>
    <paragraph num="(2)">
      <text>Except for the required hours of continuing education in Ethics, if the licensed insurance producer has only a license for life insurance, health insurance, or any of the subdivisions of life or health insurance, the licensed insurance producer shall obtain all necessary hours of continuing education in courses designated by the Commissioner as “Life/Health” or “LH”;</text>
    </paragraph>
    <paragraph num="(3)">
      <text>If the licensed insurance producer has a license for property or casualty, or any subdivision of property or casualty, and life or health, or any subdivision of life or health, then the licensed insurance producer shall complete:</text>
      <paragraph num="(a)">
        <text>24 hours of continuing education with a minimum of 6 hours of continuing education in one or more courses designated by the Commissioner as “Property/Casualty” and a minimum of 6 hours of continuing education in one or more courses designated by the Commissioner as “Life/Health”; or</text>
      </paragraph>
      <paragraph num="(b)">
        <text>For licensed insurance producers who meet the requirements of §B of this regulation,8 hours of continuing education with a minimum of 2 hours of continuing education in one or more courses designated by the Commissioner as “Property/Casualty” and a minimum of 2 hours of continuing education in one or more courses designated by the Commissioner as “Life/Health”;</text>
      </paragraph>
    </paragraph>
    <paragraph num="(4)">
      <text>In addition to the required hours of continuing education in Ethics, if the licensed insurance producer holds a title insurance producer license only, the licensed insurance producer shall obtain 13 hours of continuing education in one or more courses designated by the Commissioner as “Title” in each renewal period in order to renew the license;</text>
    </paragraph>
    <paragraph num="(5)">
      <text>If the licensed insurance producer has a license for title and property or casualty, or any subdivision of property or casualty, then the licensed insurance producer shall complete:</text>
      <paragraph num="(a)">
        <text>24 hours of continuing education with a minimum of 6 hours of continuing education in one or more courses designated by the Commissioner as “Title” and a minimum of 6 hours of continuing education in one or more courses designated by the Commissioner as “Property/Casualty”; or</text>
      </paragraph>
      <paragraph num="(b)">
        <text>For licensed insurance producers who meet the requirements of §B of this regulation, 8 hours of continuing education with a minimum of 2 hours of continuing education in one or more courses designated by the Commissioner as “Title” and a minimum of 2 hours of continuing education in one or more courses designated by the Commissioner as “Property/Casualty”;</text>
      </paragraph>
    </paragraph>
    <paragraph num="(6)">
      <text>If the licensed insurance producer has a license for title and life or health, or any subdivision of life or health, then the licensed insurance producer shall complete:</text>
      <paragraph num="(a)">
        <text>24 hours of continuing education with a minimum of 6 hours of continuing education in one or more courses designated by the Commissioner as “Title” and a minimum of 6 hours of continuing education in one or more courses designated by the Commissioner as “Life/Health”; or</text>
      </paragraph>
      <paragraph num="(b)">
        <text>For licensed insurance producers who meet the requirements of §B of this regulation, 8 hours of continuing education with a minimum of 2 hours of continuing education in one or more courses designated by the Commissioner as “Title” and a minimum of 2 hours of continuing education in one or more courses designated by the Commissioner as “Life/Health”;</text>
      </paragraph>
    </paragraph>
    <paragraph num="(7)">
      <text>If the licensed insurance producer has a license for title, property, or casualty, or any subdivision of property or casualty, and life or health, or any subdivision of life or health, then the licensed insurance producers shall complete:</text>
      <paragraph num="(a)">
        <text>24 hours of continuing education with a minimum of 6 hours of continuing education in one or more courses designated by the Commissioner as “Title”, a minimum of 6 hours of continuing education in one or more courses designated by the Commissioner as “Property/Casualty”, and a minimum of 6 hours of continuing education in one or more courses designated by the Commissioner as “Life/Health”; or</text>
      </paragraph>
      <paragraph num="(b)">
        <text>For licensed insurance producers who meet the requirements of §B of this regulation, 8 hours of continuing education with a minimum of 1 hour of continuing education in a course designated by the Commissioner as “Title”, a minimum of 2 hours of continuing education in one or more courses designated by the Commissioner as “Property/Casualty”, and a minimum of 2 hours of continuing education in one or more courses designated by the Commissioner as “Life/Health”; or</text>
      </paragraph>
    </paragraph>
    <paragraph num="(8)">
      <text>A licensed insurance producer who has only a license for life insurance and also is a licensed funeral director or a licensed mortician and sells only life insurance policies or annuity contracts that fund preneed insurance contracts and is not a viatical settlement broker shall complete at least 16 hours of continuing education courses designated by the Commissioner as “Life/Health” in each renewal period in order to renew the license.</text>
    </paragraph>
  </paragraph>
  <paragraph num="E.">
    <text>Sales of Long-Term Care Insurance.</text>
    <paragraph num="(1)">
      <text>A licensed insurance producer with authority to sell health insurance who also sells long-term care insurance shall obtain at least 2 hours of continuing education in a course designated “Long Term Care” or “LH-LTC” in order to renew the license.</text>
    </paragraph>
    <paragraph num="(2)">
      <text>These hours of continuing education may be considered a part of the required hours of continuing education under §A or B of this regulation.</text>
    </paragraph>
  </paragraph>
  <paragraph num="F.">
    <text>A licensed insurance producer who possesses a license to sell property and casualty insurance and who sells flood insurance, homeowners insurance, or commercial property insurance shall obtain at least 2 hours of continuing education that directly relates to flood insurance as part of the required hours of continuing education.</text>
  </paragraph>
  <paragraph num="G.">
    <text>A licensed insurance producer who possesses a license to sell property and casualty insurance and provides bail bondsman services shall obtain at least 4 hours of continuing education that directly relates to bail bond insurance.</text>
  </paragraph>
  <paragraph num="H.">
    <text>Hours of Continuing Education — Passing Scores.</text>
    <paragraph num="(1)">
      <text>A licensee who receives a passing score on a national examination and has been awarded a nationally recognized designation as listed in Regulation .02B(13)of this chapter may request that the Commissioner apply towards the requirement stated in §D of this regulation:</text>
      <paragraph num="(a)">
        <text>Up to 24 hours of continuing education credits approved by the Commissioner towards the hours of continuing education required for the next renewal period; and</text>
      </paragraph>
      <paragraph num="(b)">
        <text>Up to 9 hours of any remaining continuing education hours approved by the Commissioner for the renewal period immediately thereafter.</text>
      </paragraph>
    </paragraph>
    <paragraph num="(2)">
      <text>The licensee shall submit to the Administration the examination results issued by the nationally recognized designation organization that clearly identifies the national designation name, the licensee name, and the date the examination was passed with the renewal application.</text>
    </paragraph>
    <paragraph num="(3)">
      <text>The hours of continuing education granted from earning the following designations shall be applied as Life/Health course credits to the continuing education requirement of licensees who hold the Life and/or Health lines of authority:</text>
      <paragraph num="(a)">
        <text>Life Underwrite Training Council (LUTC);</text>
      </paragraph>
      <paragraph num="(b)">
        <text>American College diploma curriculum for Chartered Life Underwriter (CLU);</text>
      </paragraph>
      <paragraph num="(c)">
        <text>Chartered Financial Consultant (ChFC);</text>
      </paragraph>
      <paragraph num="(d)">
        <text>Certified Employee Benefits Specialist (CEBS);</text>
      </paragraph>
      <paragraph num="(e)">
        <text>Registered Health Underwriter (RHU);</text>
      </paragraph>
      <paragraph num="(f)">
        <text>College of Financial Planning diploma curriculum for Chartered Financial Planning (CFP);</text>
      </paragraph>
      <paragraph num="(g)">
        <text>Health Insurance Association of America Program (HIAA); or</text>
      </paragraph>
      <paragraph num="(h)">
        <text>Academy of Life Underwriting Education Council curriculum for LUEC program.</text>
      </paragraph>
    </paragraph>
    <paragraph num="(4)">
      <text>The hours of continuing education granted from earning the following designations shall be applied as Property/Casualty course credits to the continuing education requirement of licensees who hold the Property and/or Casualty lines of authority:</text>
      <paragraph num="(a)">
        <text>Associate in Risk Management Program (ARM);</text>
      </paragraph>
      <paragraph num="(b)">
        <text>Accredited Advisor in Insurance Program (AAI); or</text>
      </paragraph>
      <paragraph num="(c)">
        <text>American Institute for Property and Liability Underwriters Chartered Property and Casualty Underwriter (CPCU).</text>
      </paragraph>
    </paragraph>
    <paragraph num="(5)">
      <text>The hours of continuing education granted from the following designations shall be applied as Life/Health/Property/Casualty course credits to the continuing education requirement of licensees who hold the Life, Health, Property and/or Casualty lines of authority:</text>
      <paragraph num="(a)">
        <text>Program in General Insurance (INS);</text>
      </paragraph>
      <paragraph num="(b)">
        <text>Associate in Claims Program (AIC);</text>
      </paragraph>
      <paragraph num="(c)">
        <text>Associate in Underwriting Program (AIU);</text>
      </paragraph>
      <paragraph num="(d)">
        <text>Associate Premium Auditing Program (APA);</text>
      </paragraph>
      <paragraph num="(e)">
        <text>Associate in Research and Planning Program (ARP); or</text>
      </paragraph>
      <paragraph num="(f)">
        <text>Certified Insurance Counselor Program (CIC).</text>
      </paragraph>
    </paragraph>
    <paragraph num="(6)">
      <text>A licensee may not apply any hours of continuing education granted by the Commissioner pursuant to this section towards the 3 hours of continuing education in Ethics requirement.</text>
    </paragraph>
    <paragraph num="(7)">
      <text>Hours of continuing education received for a passing score on a national examination are in addition to any hours of continuing education received for completing a course that is required in order to take the national examination and that has been approved by the Commissioner under this chapter.</text>
    </paragraph>
  </paragraph>
  <paragraph num="I.">
    <text>A course instructor shall earn 1-1/2 hours of continuing education for each approved hour of instruction of an approved course.</text>
  </paragraph>
  <paragraph num="J.">
    <text>A licensed insurance producer or a course instructor may not earn hours of continuing education:</text>
    <paragraph num="(1)">
      <text>For attending or instructing a subsequent offering of the same course in the same renewal period; or</text>
    </paragraph>
    <paragraph num="(2)">
      <text>If the same course was taken in two different renewal periods but within 6 months.</text>
    </paragraph>
  </paragraph>
</regulation>