Posted by Alex McCoy ● March 25, 2020
COVID-19: Insurance and Securities Licensing Updates
We have compiled a list of insurance and securities licensing changes, both Prelicensing and Continuing Education related, happening due to the COVID-19 outbreak. This post is updated daily as changes are announced by regulators. We encourage you to visit the FINRA website and your state's department of insurance website to get more information.
Removed fingerprint requirement until 5/30/20. Applicants will be required to submit fingerprints after 5/30/20.
FINRA announced that they are conducting a trial and expect to start rolling out online testing in “the near future”. They are starting with the SIE, Series 6, Series 7, Series 63 and Series 66 (and will expand to more exams over the next 4-6 weeks).
The Alabama Department of Insurance is allowing Temporary Producer Licensing and has issued Bulletin 2020-10, which extends deadlines for Prelicensing certificates and CE proctoring requirements.
Prelicensing Certificates of Completion
Any Prelicensing certificate which expires in March, April or May of 2020 is extended for 90 days past the stated expiration date on the certificate.
The Department is waiving the exam proctoring requirements for CE self-study/online courses through the end of May 2020.
Arizona is now issuing provisional (temporary) licenses for producer, adjuster and surplus lines broker applicants.
Effective March 26, 2020 Arizona is waiving the proctor requirements for post-course examinations. This accommodation will be in place until social distancing recommendations are lifted.
The California Department of Insurance (CDI) will not be issuing temporary licenses or waiving the legal requirements for applicants to pass a qualifying examination and to submit fingerprints for a criminal background check.
In view of the need for license applicants to be able to qualify for licenses during this extraordinary time, CDI will continue to administer license examinations at its Los Angeles test center on a daily basis. PSI is now also administering license examinations at its test centers in Sacramento, Redding, Lawndale, San Francisco, and Agoura Hills on Tuesdays and Thursdays. The test centers maintain appropriate social distancing practices and the number of allowed examinees is consistent with applicable state and local public health directives to protect the health and safety of its employees and the public.
See the full notice on the California Insurance License Requirements page
Effective 4/20/2020, the Connecticut Insurance Department will issue Temporary Insurance Producer Licenses.
The renewal date for all licensed insurance producers whose licenses expire and will need to be renewed in the period from March 24, 2020 through May 31, 2020 will be extended to June 30, 2020 in order to complete the required number of CE credits.
The purpose of this emergency regulation is to waive the proctoring requirements for continuing education exams and to allow for the continuation of license and registration renewal deadlines and associated procedures for license and registration continuation, including continuing education requirements and licensing fees, during the outbreak of Coronavirus (COVID-19) in Colorado.
The Delaware Insurance Department will be issuing temporary licenses for those who meet the conditions. They are not granting a blanket extension for licenses, but if one may be needed, they can contact the Department as soon as possible.
District of Columbia
The DC Department of Insurance is waiving the Disinterested 3rd Party proctor for CE exams. Family members are now acceptable proctors.
Per CFO Directive 2020-07, Florida will begin issuing the following resident temporary licenses for:
- Temporary Life and Variable Annuity Contracts (T2-14)
- Temporary Health (T2-40)
- Temporary Personal Lines (T20-44)
The GA Department will expedite the review process for any carrier or broker interested in offering Business Interruption Coverage specifically tailored towards potential losses due to COVID-19. It also supports local insurance agents by waiving their Continuing Education (CE) requirements needed for license renewal through April 30, 2020. For any licensed agents having a CE deadline falling before 5/31/2020, the deadline has been extended until 5/31/2020 to complete CE courses.
A.D. Banker has been designated by the Idaho Department of Insurance to be the provider for provisional licensing. Candidates can take A.D. Banker Idaho Prelicensing Online Courses, and upon completion of the Comprehensive Exam, will be issued a Certificate of Completion. Candidates can use this Certificate of Completion to apply for a temporary or provisional license.
Candidates who have already purchased a course from another company can purchase the Provisional License Exam with A.D. Banker to become eligible for the Certificate of Completion.
Please view the Idaho Prelicense requirements for more information.
The state of Iowa is now issuing temporary producer licenses.
See our Licensing Requirements for IA Prelicensing for more information.
The Iowa Insurance Division is waiving the required classroom and proctoring requirements through August 2020 for their producers.
The Iowa Insurance Division will be extending March, April, and May 2020 expiration dates by 90 days, for resident and non-resident licensees, to extend their renewal period. The new expiration date will be updated on the Producer Database (PDB) and will cause PDB alerts. In order to allow maximum amount of time to renew the license, the new expiration date will not reflect on PDB until the day after the original expiration date. After the transaction is processed and renewed the new expiration date will reflect the original renewal day and month with new expiration year.
See link on our Licensing Requirements IA CE to view the notice.
Executive Order 2020-29 was issued by the Governor of Illinois on 4/20/2020, which allows insurance prelicensing coursework to be completed via webinar or other approved distance learning.
Licensing candidates are able to complete their training through A.D. Banker using two study methods:
- Illinois Prelicensing Online Courses
Candidates are able to take their certification exam at the end of the course to receive a certificate of completion.
- Illinois Prelicensing Web Classes
Candidates are able to take their certification exam online through their Student Dashboard to receive a certificate of completion after the 7.5 hour web class.
Pearson VUE testing centers are expected to re-open on May 1, 2020 for candidates to take the Illinois Insurance State Licensing Exam.
Effective April 1, 2020, Indiana will update expiration dates on the Producer Database (PDB) for resident and non-resident licenses that expire March 31, 2020 to May 30, 2020.
Kansas has provided some FAQs for Insurance Licensing.
The Kentucky Department of Insurance issued Executive Order 2020-220 which allows for temporary resident agent licenses.
Licensees who need to complete continuing education requirements in the months of March and April:
Due to the COVID-19 emergency status, the Department of Insurance will be extending the time requirements for completion and submission of continuing education hours for March and April licensees. Those who are due by March 31, 2020 will now have until May 31, 2020. Those licensees who normally would be required to complete all continuing education hours by April 30, 2020 will now have until June 30, 2020 to complete the hours. The reporting period of the completion of the continuing hours to the Department is also extended appropriately.
This action only extends CE deadlines, and does not extend license renewal deadlines. License renewal is completed electronically, and currently has a 60-day grace period.
The state of Louisiana has issued 2 Emergency Rules for Temporary Licensing:
Emergency Rule 38: Allows for temporary licenses for Producers (conditions apply) and expire on 5/15/2020, unless extended or terminated sooner by Order of the Commissioner. A temporary license may be converted to a permanent license once testing and fingerprinting is available.
Emergency Rule 44: Extension of Renewal Date:
- Every insurance producer and adjuster license with a renewal date of April 30, 2020 is extended until May 12, 2020.
- Insurance producers and adjusters shall complete all continuing education requirements and submit a renewal application and payment on or before 11:59 p.m. on May 12, 2020.
- Renewals submitted in compliance with Emergency Rule 44 shall not be subject to a late fee.
- Subsequent renewals will return to the last date of the birth month of the individual for the renewal period following this extension.
The LDI has extended the issuance of temporary licenses for Producers through 5/31/20.
Maine is issuing temporary insurance producer licenses for those who qualify.
All Maine licensed resident producers and consultants whose continuing education compliance period expires March 31, 2020 and April 30, 2020, will be granted an automatic extension until May 31, 2020. Continuing education fines will not be assessed if the license is renewed by May 31, 2020.
Please refer to the Maryland Insurance Administration's FAQs about COVID-19 on our license requirement page.
PSI announced that they will be opening testing centers in Maryland beginning May 1st.
PSI has assured the Maryland Insurance Administration that it will take all necessary precautions to ensure the safety of license candidates and employees. The company has released a frequently asked questions document about test center safety.
Massachusetts Division of Insurance issued Bulletin 2020-14 on 4/29/2020 which outlines temporary licensing.
The Massachusetts Division of Insurance issues Bulletin 2020-12 on Friday announcing that they will be extending individual licenses that are "in good standing" for 90 days following the end of the state of emergency. They are also waiving the online exam proctoring requirements for CE courses.
Until further notice, Michigan will allow CE Providers to accept self-attestation of the completion of CE final exams for online CE courses.
Minnesota issued Regulatory Guidance 20-20 on 4/24/20 which allows the issuance for temporary resident insurance producer licenses.
The Commerce Department is providing temporary, emergency relief in regard to March license renewals and insurance license reinstatements.
Individuals due to renew a Minnesota insurance producer or insurance adjuster license by the end of March now have until April 30, 2020 to complete all renewal requirements, including continuing education hours and the required application and fee. These renewal applications can be submitted anytime between now and 11:59 PM Central time on April 30.
- Regulatory Guidance 20-01. The March 31, 2020 deadline for insurance producers to comply with renewal requirements [Minn. Stat. §60K.55 Subd. 8(b)] is extended to April 30, 2020.
- Regulatory Guidance 20-02. The March 31, 2020 deadline for adjusters to comply with renewal requirements [Minn. Stat. §72B.041 Subd. 6(a)] is extended to April 30, 2020.
Regulatory Guidance 20-04. The deadline for producers and adjusters to reinstate a lapsed license [Minn. Stat. §60K.38 Subd. 3 for producers and Minn. Stat. §72B.03 Subd. 3(e) for adjusters] without having to retake and pass the written examination by paying twice the unpaid renewal fee is extended until such time that test center facilities in Minnesota are reopened. Individuals seeking to reinstate will be able to do so but are still responsible for paying the applicable fees.
The Mississippi Insurance Department is now issuing temporary licenses.
Mississippi insurance producers, adjusters and bail bondsmen whose CE compliance periods end in March, April, May, or June 2020, should timely contact the MID requesting an extension for completing CE requirements in order to meet license requirement for renewals. This includes Mississippi nonresident adjuster with Mississippi as the Designated Home State. The MID will work with these licensees to ensure that they are given an appropriate opportunity to meet their CE requirements. To request an extension for CE requirements, please contact the MID Licensing Division at (601) 359-2132, or email@example.com.
Effective 4/13/2020, Missouri will begin issuing temporary resident insurance producer licenses for the following lines of business: Life, Variable Life and Variable Annuity, Accident and Health, Property, Casualty, Personal Lines and Crop. The Department will temporarily waive the licensing requirement of successfully passing an examination for these lines of business provided a currently licensed Missouri insurance producer will sponsor the applicant.
The North Carolina Department of Insurance will continue to monitor the COVID-19 situation and take appropriate changes as necessary.
The Commissioner has been working with Pearson Vue to seek a solution to allow applicants to become licensed as quickly as possible. Below is North Carolina’s temporary licensing solution:
The applicant will need to complete the pre-licensing education (PLE) and pass the PLE exam. The applicant should complete the license application through NIPR.
The applicant will need to schedule an appointment to take and pass the state exam. We anticipate Pearson Vue’s professional testing centers to open on May 1st at 50% testing capacity to maintain social distancing. In addition, they will also be working to provide additional testing sites across the state.
Once the applicant has successfully passed the exam, the Agent Services Division will issue a “temporary” license. This license will remain in effect for 120 days. The applicant will be required to complete the fingerprinting process, as required by N.C.G.S. 58-33-66. If the results meet the guidelines of NCDOI, then a permanent license will be issued. If the results do not meet the licensing guidelines of NCDOI or the fingerprints are not submitted within the 120 days, then the licensure status will be changed to inactive and the licensee will be advised by email.
The conversion to permanent licensure will not require additional fees or reapplication.
If the license is made inactive, the licensee may request a review.
Should the licensee fail to pass the state exam, a refund will not be issued.
All NC licensed insurance producers and adjusters whose Continuing Education (CE) compliance period expires in March, April or May 2020 will be granted an extension through June 30, 2020 in order to meet the state mandated CE requirements. This includes NC nonresident adjusters with NC as the Designated Home State (DHS).
Starting Friday April 17, 2020, North Dakota will have the option for candidates to take remotely proctored exams called ProProctor. Please be aware that there is currently an influx of candidates and capacity will be limited in the near future. Prometric is in the process of onboarding new proctors and ramping up testing capacity as quickly as possible.
The North Dakota Insurance Commissioner is recognizing the extenuating circumstances that may be preventing the completion of CE requirements prior to the expiration of a resident producer's or consultant's license whose license expires on March 31, 2020. In consideration of the public health crisis, producers and consultants whose license expires on March 31, 2020, are not required to provide the Insurance Department with a request for extension, written or otherwise, and are granted a CE reporting extension to April 30, 2020. Producers are encouraged to complete CE requirements via approved, online courses.
Although the CE compliance deadline is being extended for producers whose license expire March 31, 2020, the producer license renewal deadline remains March 31, 2020.
On 4/22/2020, North Dakota issued Bulletin 2020-9 which outlines CE extensions for Producers with an April 30, 2020 CE deadline being extended to May 31, 2020.
See the North Dakota CE license requirements for more information
Effective 5/1/2020: Prometric begins reopening some testing centers in Nebraska. The Department is no longer issuing temporary insurance licenses.
Nebraska also has the option for candidates to take remotely proctored exams called ProProctor. Please be aware that there is currently an influx of candidates and capacity will be limited in the near future. Prometric is in the process of onboarding new proctors and ramping up testing capacity as quickly as possible.
See NE state requirements for the link to the notice from the state.
- For resident licenses expiring in March or April, a 90-day extension for the producer's CE requirement can be granted. To request an extension, producers will need to email a request to firstname.lastname@example.org.
- Nebraska will waive proctor requirements for self-study online courses until July 31, 2020.
NV licensees have a number of ways to satisfy their continuing education requirements; whether that be through self-study or webinars. In an effort to maintain social distancing in regard to proctored exams; the NV Division is waiving the exam proctoring requirement for self-study continuing education classes only; however, the licensee is still required to take the exam at the end of the course.
All New Hampshire Resident & Non-resident license renewal deadlines for March 31, 2020 and April 30, 2020 are being extended for two months. The renewal deadline for licenses that are set to expire 3/31/2020 is now 5/31/2020. The renewal deadline for licenses that are set to expire 4/30/2020 is now 6/30/2020.
New Hampshire has issued Bulletin 20-034-AB which extends 5/31/20 producer renewal deadlines until 6/30/20.
New Jersey issued two Bulletins on 5/1/2020:
Bulletin 20-21 outlines the issuance of temporary resident insurance producer licenses.
Bulletin 20-20 outlines that insurance producer licenses that expire between 3/31/2020 and 6/30/2020 are granted a 3-month extension of their license term. The NJ Department is waiving the CE self-study exam monitor requirement.
Temporarily removing in-person signature requirements.
New York is waiving the requirement for a monitor in an online course. This applies to both Prelicensing and CE online courses. They are also temporarily waiving the requirement for the CE hours to be completed prior to processing their renewal.
In addition to waiving the monitor requirement, NY DFS is suspending license expiration dates for producers for the next 60 days.
The state of Ohio is issuing temporary resident agent licenses.
Due to COVID-19 and the inability to take a state exam at the testing centers, any certificates of completion that expire between 3/20/2020 and 2 weeks AFTER the test centers re-open for testing, students will still be allowed to use their certificate at the test center and not be turned away. They must however, test within those first 2 weeks the testing centers are open. If they can't get into test in those 2 weeks, the Department will work with them on a case by case basis as needed.
Ohio is extending the license and CE expiration dates for any producer with a 3/31/2020 and 4/30/2020 expiration date to 5/31/2020.
On Friday, March 27th, the Governor DeWine signed House Bill 197 which includes many provisions intended to respond to the ongoing COVID-19 pandemic. This Bill includes relief to insurance license-holders whose license expires during the state of emergency declared by the Governor through Executive Order 2020-01D, issued March 9, 2020.
For full details, see our OH CE License Requirements page
Prometric has reopened 4 of the 5 Oklahoma testing centers with enhanced procedures that implement social distance recommendation by the CDC.
Temporary Producer and Adjuster licenses are available for Oklahoma Residents who are unable to take current license examinations. This does not apply for renewals. Temporary licenses, when issued, will be effective until 30 days after the Governor's declaration of emergency ends.
All applications for Temporary Producer or Apprentice Adjuster licenses must be submitted with payment by mail. To protect Oklahoma Consumers, background checks will be completed on all temporary license applications. All temporary licensees will require a licensed resident sponsor who will oversee their work and conduct and be accountable for the temporary licensee with the Oklahoma Insurance Department.
The Oklahoma Insurance Department is temporarily extending the CE requirement deadline to the 14 days following the withdrawal or termination of the Governor's Executive Order 2020-07.
On 4/22/2020, the state of Pennsylvania issued Notice 2020-12 which outlines the issuance of temporary licensing for Pennsylvania resident insurance producers. See the Pennsylvania Insurance Licensing Requirements for prerequisites, terms and application steps.
Pursuant to 40 P.S. 310.8(e), will temporarily waive CE requirements for licensees who cannot meet requirements due to extenuating circumstances related to COVID-19. pursuant to 40 P.S. 310.8(e), will temporarily extend the licensing renewal deadline for licensees impacted by extenuating circumstances related to COVID-19. Any and all renewal requirements, including CE, are still applicable and the Department will work with licensees once COVID-19 has been contained to meet these requirements.
After the initial notice was developed, additional guidance was established regarding the proctoring requirements for education courses. Effective immediately and until further notice, the use of proctors in a face-to-face setting is prohibited. Instead, virtual proctors will be permitted or if a virtual proctor is not feasible, the proctor requirement will be eliminated for all approved online courses.
According to Insurance Bulletin 2020-6, Rhode Island will be issuing Temporary Insurance Producer Licenses effective 4/24/2020.
Due to COVID-19, the 3/31/2020 license expiration dates are automatically extended until 4/30/2020.
The state of South Carolina also issued Bulletin 2020-03 which is allowing temporary licensing, extending renewal deadlines further (180 days) and waiving the CE exam proctoring requirement.
South Carolina is extending the renewal period for resident and non-resident Producer licensees that have expiration dates in March and April 2020.
According to Insurance Bulletin 20-03, South Dakota will be issuing temporary insurance producer licenses effective 4/20/2020.
On 4/24/2020, the Tennessee Department of Commerce & Insurance issued Bulletin 20-09 which outlines the issuance of temporary producer licenses.
View the Tennessee Insurance License Requirements for more information
New and temporary licenses
Most testing and fingerprinting facilities are closed due to the coronavirus outbreak. To address that issue, TDI will:
- Issue temporary agent licenses, without required testing or additional fees. All training can be completed online, and fingerprints will be submitted later. Temporary applications should be submitted online. Paper applications will not be accepted.
- Temporary licenses will remain active until further notice.
- Waive the additional $100 fee for a temporary license.
- Issue only emergency adjuster licenses until testing and fingerprinting sites reopen.
Some Pearson VUE testing sites are now open for agent licensing exams in Texas. The Texas Department of Insurance (TDI) has authorized Pearson VUE to resume testing at sites where social distancing and safeguards are in place to reduce risks.
License renewals and continuing education
The TDI has sent out a bulletin to remind agents and adjusters that the COVID-19 extension to renew resident licenses and complete CE ends 5/31/20. For licenses that expired in March, April, or May, there will be no fine or late fees CE hours and payment are completed by 5/31/20.
Temporary licensing will be available in Utah beginning 4/23/2020.
Starting Friday April 17, 2020, Vermont Prelicensing candidates will be able to take remotely proctored state licensing exams using a Prometric service called ProProctor.
Please be aware that there is currently an influx of candidates and capacity will be limited in the near future. Prometric is in the process of onboarding new proctors and ramping up testing capacity as quickly as possible.
Starting 6/1/20, Prometric becomes the new testing vendor in Virginia and will begin utilizing online exams using a platform called ProctorPro.
Expiration dates of Prelicensing education and insurance exam results whose exam expiration dates were 3/23/20 or later, have been extended through 7/31/2020.
Due to COVID-19, Washington CE renewal dates for licenses expiring between 3/1/20 and 6/30/20 are being extended until 7/31/20 upon request.
Due to the Covid-19 emergency all pre-licensing certificates have been extended from the standard four months to six months until further notice. Pre-licensing will be valid from six months from the date of completion on the certificate. Please contact oicagentlicensing@wv.
The state of West Virginia is issuing temporary licenses on a case by case basis. The Bulletin was found on the state's website (they didn't notify providers), so I'm not sure that they are encouraging temporary licensing, but making it available when needed.
You can find the issued Bulletin on our West Virginia License Requirements page.
Starting Friday April 17, 2020, Wisconsin will have the option for candidates to take remotely proctored exams called ProProctor. Please be aware that there is currently an influx of candidates and capacity will be limited in the near future. Prometric is in the process of onboarding new proctors and ramping up testing capacity as quickly as possible.
In response to the current health emergency in Wisconsin, the Office of the Commissioner of Insurance (OCI) is making temporary changes to WI requirements for delivering online courses and online course proctoring.
For online courses where a proctor is required OCI has created the Continuing Education Attestation of Personal Responsibility Form (See attached). This form will require individuals to attest that they have not received outside assistance while completing the online course exam. Providers must collect this form from the student in a method determined by the provider prior to electronically banking/submitting credits to OCI. We ask that providers make this form available to students immediately in order to prevent any delays.
A separate notice will also be sent to resident agents regarding the Continuing Education Attestation of Personal Responsibility Form.
Finally, OCI is waiving continuing education requirements for resident licensees that expire on March 31, 2020 for licensees that are unable to complete courses online.
OCI will allow for these temporary changes until the current health emergency has been lifted.
The Commissioner will consider waiving late fees for licensees who are directly affected by COVID-19 - tested positive or are a primary care giver of someone who test positive)
We will continue to keep this list updated as things change. For a comprehensive list of license requirements, visit the license requirements page on our website.
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