Pennsylvania Insurance Producer CE Requirements, Explained
Last reviewed June 2026 against the official sources linked below. Requirements change — always confirm with your board before relying on them.
Total hours
24 hours per term
Renewal cycle
Every 2 years
Ethics requirement
3 hrs (within the 24), as of April 2025
Issued by
PA Insurance Department
Pennsylvania requires 24 hours of continuing education during your two-year license cycle - and as of April 29, 2025, that now includes a 3-hour ethics requirement that did not exist before. If you renewed under the old rules, this is the change most likely to catch you out.
The Pennsylvania Insurance Department, Bureau of Licensing and Enforcement, runs producer licensing; transcripts and approved courses live at Sircon. Property and casualty producers carry an extra flood obligation on top of the ethics hours.
The base requirement: 24 hours, now with 3 ethics
Licensed producers must complete a minimum of 24 hours of continuing education during their two-year licensing cycle. Effective April 29, 2025, at least 3 of those 24 hours must be ethics for all producers and title agents. Producers licensed before that date had to fold in the ethics hours by April 29, 2026, or the end of their current license period, whichever is later.
Flood, deadlines, and the new ethics rule
- Property and casualty licensees must complete at least 2 of the 24 hours in flood insurance.
- The 3-hour ethics requirement is new as of April 29, 2025 - confirm your current cycle already includes it.
- Complete your 24 hours within the two-year cycle; failure to do so results in license termination.
- Limited waivers may be granted for military service or documented extenuating circumstances under Act 147 of 2002.
Stop tracking this in a spreadsheet
Progress rings per requirement, private certificate storage, deadline reminders, and a one-click audit packet. Set up in two minutes — free for your first license.
Start tracking — freeThe multi-state angle
Pennsylvania's recent addition of a 3-hour ethics requirement is a perfect example of why multi-state producers get tripped up: a rule you have followed for years quietly changes in one state but not the others. P&C producers also have the 2-hour flood obligation layered on top. If you hold licenses in several states, each one can shift its rules independently, and there is no central authority reminding you. That tracking has to be yours.
How CredTally keeps this on autopilot
- Track 24 hours with a dedicated 3-hour ethics bucket and, for P&C, a 2-hour flood bucket - each shown separately so the new ethics rule cannot slip past.
- Multi-state producers: every license gets its own card, deadline, and reminders, so a rule change in Pennsylvania does not quietly throw off another state.
- Store every certificate with the course it proves, so Sircon transcripts and reviews are a download, not a hunt.
- Reminders at 90, 60, 30, and 7 days before each license's deadline, with your remaining hours front and center.
- Export a dated PDF packet - summary plus every certificate - for an audit or carrier review in one click.
Frequently asked questions
How many CE hours do Pennsylvania insurance producers need?
Twenty-four hours every two-year licensing cycle, now including 3 hours of ethics as of April 29, 2025.
When did the Pennsylvania ethics requirement start?
Effective April 29, 2025, all producers and title agents must include 3 ethics hours in their 24. Those licensed earlier had to comply by April 29, 2026, or the end of their current period, whichever was later.
Do Pennsylvania P&C producers need flood CE?
Yes - property and casualty licensees must complete at least 2 of their 24 hours in flood insurance.
What happens if I do not finish my Pennsylvania CE?
Failing to complete the 24 hours within your two-year cycle results in license termination. Limited waivers exist for military service or documented hardship under Act 147 of 2002.
Official sources
CredTally is a record-keeping tool and is not affiliated with any licensing board. This guide is general information, not legal or compliance advice.
CredTally tracks all of this for you
Progress rings per requirement, private certificate storage, deadline reminders, and a one-click audit packet. Set up in two minutes — free for your first license.
Start tracking — free