Can I carry over CE hours if I complete more than 24 in Maryland?

No. The Maryland Insurance Administration does not allow the carryover of excess CE hours from one renewal period to the next.

How far in advance must I complete my CE courses?

Courses must be completed 30 days before your license expiration date to ensure they are processed in time for renewal.

What happens if I take the same course twice?

Duplicate courses are not allowed within the same renewal period or within a 6-month window following that period.

Maryland insurance CE and renewal

Maryland Insurance CE Renewal Requirements and Checklist

Maryland CE did not change when the state removed approved prelicensing education for exam applicants. Producers still need to satisfy CE before renewal, and Maryland specifically says required CE should be completed no later than 15 days before expiration.

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Maryland at a glance

Short answers first. Open a detail only when you need the source-backed nuance.

Major-line CE24 hrs / 3 ethics

Details

Maryland producer CE is generally 24 hours each renewal period, including 3 ethics hours.

Renewal cycleBirth month end

Details

Maryland producer license renewals are on a two-year cycle based on the licensee birth month.

Best timingFinish 30 days early

Details

Maryland CE requirements PDF says to complete CE 30 days before license expiration.

Provider reporting10 days

Details

Maryland says course providers have 10 days to report successful completion to Prometric.

NIPR CE gateUp to 72 hrs

Details

NIPR verifies CE before renewal submission and says status updates can take up to 72 hours from the compliance date.

CarryoverNo carryover

Details

Maryland says carryover hours are not allowed.

Duplicate coursesNo duplicate credit

Details

Maryland says duplicate courses are not allowed within the same renewal period or within 6 months.

Title only16 hrs / 3 ethics

Details

Maryland title-only producers complete 16 hours: 13 title hours plus 3 ethics hours, unless an exemption applies.

Product notesFlood/LTC/annuity

Details

Maryland lists flood, long-term care, LTC partnership, annuity, and bail-bond training requirements for producers who sell those products.

Renewal checklist

Check Maryland expiration and CE transcript in Sircon before the 90-day renewal window.
Complete the correct Maryland CE grid for held lines, including 3 ethics hours.
Finish CE 30 days before expiration so provider reporting and NIPR verification have time to clear.
Confirm Prometric/Sircon has the course completions before renewing through NIPR.
Keep course completion certificates and submit the renewal application after CE requirements are complete.

Common mistakes to avoid

Relying on the old 15-day rule when Maryland now tells producers to finish CE 30 days before expiration.
Trying to use carryover credit.
Repeating a course within the same renewal period or too soon afterward.
Using major-line CE totals for title-only or product-specific training without checking Maryland grid rules.

Course planning note

Use TSI National’s course finder to plan Maryland CE early enough for the 15-day completion buffer: browse insurance CE courses.

Official sources used

This page is an educational summary, not legal advice. Always confirm your CE transcript and renewal status with the state insurance department, NIPR, SBS, Sircon, or the state CE vendor before relying on a deadline.