North Carolina Insurance Continuing Education Requirements
A Complete Guide for 2025
Licensed insurance professionals in North Carolina must complete continuing education (CE) every two years to maintain an active license. NobleCE simplifies the process with mobile-friendly courses, bundle pricing, and instant reporting-so you can complete your CE fast and confidently meet state requirements.
What Is Insurance Continuing Education?
Continuing education consists of state-approved courses designed to keep producers and adjusters informed on ethics, flood, long-term care, annuity suitability, and legal changes. CE ensures professional competence and compliance with North Carolina regulations.
Who Needs to Complete CE in North Carolina?
North Carolina resident producers and adjusters must complete CE every two years. Non-resident producers are exempt, provided they remain compliant in their home state. Non-resident adjusters licensed via North Carolina must follow resident adjuster requirements. Consultants and title agents are not subject to CE.
North Carolina Insurance CE Requirements Overview
- 24 total CE hours every two years
- Includes 3 hours of ethics and 3 hours of flood (for Property/Casualty and adjuster licensees)
- Exams are open-book in self-study; no proctor is required
- 70 percent passing score required on quizzes and exams
- Unlimited retakes allowed
- Course credit may not be repeated within the same compliance period
- Excess general credit hours can carry over, including ethics and flood, but specialty hours are counted as general on carryover
Special Requirements for Certain Licensees
- Annuity Training: A one-time 4-hour annuity best-interest suitability course is required before selling annuities.
- Long-Term Care (LTC): An 8-hour initial LTC partnership course is required prior to selling LTC products, followed by a 4-hour refresher every two-year period.
- Flood Insurance: A 3-hour NFIP flood course is required in the first compliance period and every other period thereafter. This flood training counts toward the total CE hours.
When Is the CE Deadline in North Carolina?
CE must be completed by the last day of your birth month, every two years, based on odd/even birth years. You have a four-month grace period after that date, but a $75 reinstatement fee applies if you file during this window. After that period, your license lapses and reapplication with pre-licensing may be required.
How to Find Approved CE Courses in North Carolina
Courses must be approved by the North Carolina Department of Insurance and administered through Prometric/Sircon. NobleCE offers state-approved self-study and bundled courses including ethics, flood, annuity, and LTC training with mobile access and state reporting within 1-2 business days.
Step-by-Step: How to Complete Your North Carolina Insurance CE
- Verify your CE compliance deadline based on your birth month
- Choose NobleCE’s approved North Carolina courses or 24-hour bundle
- Complete your courses online at your own pace
- Take open-book quizzes and exams-no proctoring required
- Achieve a 70 percent passing score; retake exams if needed
- Download your certificates for your files
- NobleCE reports completions to the state within two business days
What Happens If You Miss the CE Deadline?
Failing to complete CE by the deadline results in license expiration. You must complete missing hours, pay a $75 reinstatement fee during the grace period, and renew. If the grace period expires, you may need to complete pre-licensing and retake the state exam to regain licensure.
CE Exemptions and Extensions
Non-resident licensees who remain compliant in their home state are exempt. Military or medical waivers may be requested in advance. Adjusters licensed via exam but not by reciprocity must meet resident adjuster CE requirements.
How to Check Your CE Transcript
You can view your CE transcript through the Prometric/Sircon portal. Make sure your ethics, flood, and specialty training courses are recorded before renewal. Keep your certificates for at least five years in case of audit.
Best Practices for North Carolina Insurance CE Success
Begin your CE early to allow time for required flood and LTC training. Use NobleCE’s 24-hour bundle to cover all required content in one step. Since exams are open-book and mobile-accessible, you can complete your CE on your schedule, with immediate feedback and unlimited retries.
Stay Ahead with North Carolina CE Compliance
Completing CE on time protects your license and your business. NobleCE offers approved, mobile-friendly courses with bundle pricing and prompt state reporting. Finish your CE fast and stay focused on what matters-serving your clients.
Frequently Asked Questions (FAQ)
How many hours of CE are required in North Carolina
24 hours every two years, including 3 ethics and 3 flood hours for Property/Casualty and adjuster licensees.
Are exams required
Yes. Open-book quizzes and exams with a 70 percent passing score are required. No proctor is needed. You may retake exams as needed.
Can I carry over excess hours
Yes. Excess general credit, including ethics and flood, may carry over to the next compliance period.
Do specialty training hours count toward total CE
Yes. Annuity, LTC, and flood training all count toward your 24 hours when completed during the renewal cycle.
Ready to Get Started?
Explore NobleCE’s North Carolina courses and complete your CE fast with mobile-friendly learning, bundle pricing options, and instant state reporting.
Disclaimer: The information provided by Noble regarding Continuing Education (CE) is intended as a courtesy and aims to be accurate and up to date. However, Noble and its employees do not guarantee the accuracy or current validity of the information. CE regulations are subject to change, so always verify details independently.
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