Tennessee 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)
Issued by
TN Department of Commerce & Insurance
Tennessee runs a clean 24-hour, two-year cycle with 3 hours of ethics baked in. It is one of the more straightforward states - the things worth knowing are around the edges: a generous carryover allowance, a two-year course-repeat rule, and a legacy exemption for producers continuously licensed since the early 1990s.
The Tennessee Department of Commerce & Insurance (TDCI) oversees producer licensing and approves CE providers and courses. Your renewal lands on the last day of your birth month every two years, on an odd or even year tied to your birth year.
The base requirement: 24 hours, 3 of them ethics
Every individual seeking biennial renewal must satisfactorily complete 24 credit hours of approved study in conjunction with the license renewal cycle, of which at least 3 hours must have a course concentration in ethics. The ethics hours count within the 24-hour total. The 3-hour ethics requirement is mandatory every period - it cannot be skipped or substituted with other coursework.
Carryover, repeats, and the legacy exemption
- Your renewal is due on or before the last day of your birth month, every two years, on an odd or even year based on your birth year.
- Up to 12 excess hours carry over into the next renewal period, but surplus ethics or specialty hours carry only as general credits - the ethics requirement must be met fresh each period.
- A previously approved course can be repeated for credit only after two years.
- Producers continuously licensed since January 1, 1994, are exempt from the CE requirement.
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
Tennessee's 24/3 structure looks identical to many states on paper, which is exactly the trap - the headline matches, but the carryover cap, the ethics-carry restriction, and the birth-year odd/even schedule do not. A producer licensed in Tennessee plus a couple of bordering states is running the same number against different clocks and different fine print. Keeping each license's deadline and carryover balance in view is the only reliable way to avoid a near-miss.
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 Tennessee's birth-month cycle never collides with another state's clock.
- Store every certificate with the course it proves, so TDCI reviews and renewals 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 Tennessee insurance producers need?
Twenty-four credit hours every two years for biennial renewal, of which at least 3 hours must concentrate in ethics.
Can I carry over extra CE hours in Tennessee?
Yes - up to 12 excess hours carry into the next renewal period, but surplus ethics or specialty hours carry only as general credits.
When is Tennessee insurance CE due?
On or before the last day of your birth month, every two years, on an odd or even year tied to your birth year.
Are any Tennessee producers exempt from CE?
Yes - producers who have been continuously licensed since January 1, 1994, are exempt from the continuing education requirement.
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.
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