Colorado CE requirements
How many CE hours do Colorado insurance agents need?
Colorado resident producers must complete 24 approved CE hours per two-year cycle after their initial renewal. The total includes 3 ethics hours, with at least 18 hours in subjects related to the licensed insurance type.
Which Colorado CE requirement applies to me?
Colorado CE requirements by license
| Colorado resident license | Total CE | Required category or format |
|---|---|---|
| Life, accident and health, or casualty producer | 24 hours / 2 years | 18 licensed-type hours; 3 ethics included |
| Property or personal lines producer | 24 hours / 2 years | 18 licensed-type hours; 3 ethics and 3 homeowners included |
| Producer holding multiple lines | One 24-hour producer total | Apply licensed-type, ethics, and homeowners categories as applicable |
| Travel, title, limited credit, or crop-hail-only producer | Exempt under the CE rule | Confirm all held authorities qualify for the exemption |
The 3-hour homeowners requirement applies to each two-year CE cycle for property or personal lines producers. It is part of the 24-hour total, not an additional annual requirement.
Who is exempt from Colorado producer CE?
Regulation 1-2-4 exempts the initial license renewal, specified limited-line-only licensees, and qualifying nonresident producers who satisfy home-state CE. Exempt status does not waive product-specific training. Colorado’s producer requirements should not be applied automatically to public adjuster licenses; check that license’s separate continuation requirements.
Official sources: Colorado Regulations 1-2-4 and 1-2-10 Colorado Sircon licensing and CE portal
Deadline and renewal cycle
When is Colorado insurance CE due?
Colorado producer CE is due by the biennial continuation deadline: the last day of the birth month. Complete the required hours and verify compliance before submitting the renewal.
The producer renewal window opens 90 days before expiration. The official Colorado Sircon portal handles renewal and CE inquiries.
Sircon states that an online renewal must be completed by 10:00 p.m. Mountain Time on the expiration date. An incomplete renewal can leave the license inactive.
The first renewal is exempt from CE. The ongoing 24-hour requirement applies to subsequent two-year cycles.
Official sources: Colorado Regulations 1-2-4 and 1-2-10 Colorado Sircon licensing and CE portal
Official record
How do I check my Colorado CE transcript or status?
Use the Colorado Sircon portal’s free continuing education transcript inquiry. Confirm the license, reporting cycle, total hours, licensed-type credit, ethics, and homeowners credit where required.
-
1
Correct license and period
Confirm the active license record, CE period, and compliance or review date.
-
2
Total posted credit
Compare the posted hours with your requirement after any valid exemption, reduction, or carryover.
-
3
Required categories
Check ethics, law update, flood, delivery method, or product-specific categories separately.
-
4
Completion history
Look for missing courses, duplicate or zero credit, incorrect dates, and misclassified completions.
What should I do if completed credit is missing?
Reporting timing. Colorado requires providers to report completions at least monthly. Providers must supply completion documentation within 7 days after course completion or exam grading. A certificate does not establish that the electronic transcript has updated.
1. Compare the course number, completion date, license number or NPN, and awarded category with the completion record.
2. Ask the course provider to confirm submission and correct a missing or rejected roster. Include the completion certificate or confirmation.
3. Recheck the official transcript after the correction. Contact the licensing authority if the provider confirms acceptance but the record remains incorrect.
Official sources: Colorado Regulations 1-2-4 and 1-2-10
Credits and eligibility
What courses count toward Colorado insurance CE?
Colorado CE credit is awarded only for a state-approved course completed through a state-approved provider. The course must match the required credit category and applicable license period.
- Can I repeat a course for CE credit?
- Not within two years of the previous completion. Regulation 1-2-4 provides an exception for qualifying statutory-update courses.
- Can extra hours carry over?
- Yes. Up to 12 hours earned during the final 120 days before the continuation date may carry to the next cycle. Courses completed for the exempt initial renewal do not qualify for carryover.
- How many hours must match my license type?
- At least 18 of the 24 hours must cover subjects related to the licensed insurance type. The 3-hour ethics requirement must also be met.
- Is homeowners training required annually?
- No. Property and personal lines producers need 3 approved homeowners hours each two-year CE cycle, within the 24-hour total.
- How long must I retain CE records?
- Keep course completion records for five years after the license continuation date, as required by Regulation 1-2-4.
Official sources: Colorado Regulations 1-2-4 and 1-2-10
Course format
Can Colorado insurance CE be completed online?
Yes. Colorado accepts approved online self-study and other approved delivery formats. Credit depends on the course’s approval, subject category, and completion requirements.
Approved self-study
Complete the course and required closed-book final examination. An independent third party must proctor the examination.
Approved classroom or other instruction
Meet the approved attendance and completion conditions. Confirm the delivery format and credit categories before enrollment.
Proctor eligibility
The proctor must be an independent adult without a prohibited family, supervisory, or financial relationship. Follow the provider’s approved proctor procedure.
General online CE does not automatically satisfy Colorado’s classroom-specific LTC training. Check the approved delivery format for the Partnership portion and recurring LTC training.
Official sources: Colorado Regulations 1-2-4 and 1-2-10 Colorado Revised Statutes § 10-19-113.6: LTC training
Product-specific training
What specialty training do Colorado insurance agents need?
Product training applies to the products sold, not every license holder. Complete required initial training before conducting the applicable business and track recurring training separately from license renewal.
| Training | Who needs it? | Hours and frequency |
|---|---|---|
| Annuity best interest | Producers selling annuities | 4 hours, one time Meet Regulation 4-1-11’s current training standard and any required update to earlier certification. Insurer product training is separate. |
| Long-term care | Producers selling, soliciting, or negotiating LTC insurance | 16 hours initial; 5 hours every 24 months Initial training includes 8 hours of general LTC and 8 classroom hours specific to LTC Partnerships. The recurring 5 hours must be in a classroom setting. |
| NFIP flood | Agents selling National Flood Insurance Program coverage | At least 3 hours of flood training Complete training consistent with FEMA’s minimum standard and applicable state and insurer requirements. |
A product-training course can also provide regular CE credit when it has the required state approval. A general-credit course with a similar title does not establish product certification. Retain the completion record and provide it to the insurer when required.
Official sources: Colorado annuity rules: Regulation 4-1-11 Colorado Revised Statutes § 10-19-113.6: LTC training Colorado LTC rules: Series 4-4 FEMA flood insurance agent training
Step-by-step
Colorado CE compliance checklist
-
1
Check the expiration and cycle
Confirm the birth-month continuation date and whether this is the exempt initial renewal.
-
2
Complete the applicable categories
Meet the 24-hour total, 18 licensed-type hours, 3 ethics hours, and any 3-hour homeowners requirement. Track product certification separately.
-
3
Verify the Sircon transcript
Check category totals and eligible carryover. Resolve missing provider reports before the renewal deadline.
-
4
Renew through the official portal
Submit the continuation and applicable fees within the renewal window. Complete online renewal before the portal’s 10:00 p.m. Mountain Time cutoff and confirm active status.
Common compliance mistakes to avoid
- Treating homeowners training as annual instead of biennial.
- Applying carryover earned outside the final 120 days.
- Using self-study to satisfy a classroom-specific LTC requirement.
- Missing the portal’s 10:00 p.m. Mountain Time renewal cutoff.
Official sources: Colorado Regulations 1-2-4 and 1-2-10 Colorado Sircon licensing and CE portal
Common questions
Colorado insurance continuing education FAQ
Is the first Colorado producer renewal exempt from CE?
Yes. Regulation 1-2-4 exempts the initial renewal. Subsequent cycles require the applicable 24-hour CE total and categories.
How much Colorado LTC training is required?
16 initial hours: 8 general LTC and 8 classroom Partnership hours. At least 5 classroom hours of ongoing training are required every 24 months under § 10-19-113.6.
Does a course certificate prove Colorado CE compliance?
No. A certificate documents completion. Confirm reported credit and required categories on the official Sircon transcript before renewal.
Does Colorado license company or staff adjusters?
The Colorado Sircon licensing portal identifies public adjusters as the licensed adjuster category, not company or staff adjusters. Do not apply producer CE rules to an unlicensed adjuster role.
Primary sources
Official Colorado insurance CE sources
Requirements can change. This guide references the primary sources below. Use the official license record and regulator to confirm individual compliance.