Rhode Island Insurance Producer CE Requirements, Explained

The base requirement: 24 hours, 3 of them ethics

The DBR requires resident producers to complete a minimum of 24 accumulated credit hours of approved continuing education for each biennial license period, of which at least 3 hours must be ethics. The ethics hours count within the 24-hour total, not on top of it.

Carryover and the ethics catch

• Your license renews on the last day of your birth month, every two years.
• A maximum of 12 hours can carry over into your next two-year license term.
• Excess ethics hours carry over only as general hours - they will not satisfy the next term's 3-hour ethics requirement.
• Because surplus ethics never counts as ethics later, you must earn at least 3 ethics hours in every single cycle, regardless of carryover.

The multi-state angle

Rhode Island shares the 24/3 headline with most of its neighbors, but its carryover cap and the ethics-converts-to-general rule are details that differ state by state. A producer who also holds licenses elsewhere is tracking the same number against different carryover rules and different deadlines. Keeping each license's own balance and ethics status visible in one place is the only reliable way to avoid a near-miss in the wrong category.

How CredTally keeps this on autopilot

• Track 24 hours with a dedicated 3-hour ethics bucket - the dashboard shows each separately and tracks your carryover balance up to 12 hours.
• Multi-state producers: every license gets its own card, deadline, and reminders, so Rhode Island's birth-month cycle never collides with another state's clock.
• Store every certificate with the course it proves, so carryover claims and DBR 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

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