How to Renew a South Carolina Insurance License
Updated June 7, 2023
A.D. Banker Provider #: 131310
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On this page, you’ll find a comprehensive guide to renewing your South Carolina insurance license. At A.D. Banker & Company, we’re here to walk you through the process and make completing your continuing education requirements as easy and painless as possible.
We offer several different study methods to cater to your needs and help you grow as an insurance professional. Whether you’re interested in learning the latest topics in insurance CE webinars, or having unlimited access to our online CE courses, we strive to provide options that fit around your busy schedule. Each of our courses are designed to not only be straightforward and simple, but also valuable to your career.
To begin the renewal process, you will need to complete 3 steps listed below.
1. Review the State Requirements
The first step to renewing your insurance license is to review South Carolina’s CE requirements. Depending on which lines of insurance you’re licensed in, the continuing education hours you’re required to complete will vary. All hours must be completed and reported prior to your license renewal date to avoid a lapse in your license.
General Requirements
How many total hours of CE do I need to complete?
Producers are required to complete 24 hours every 2 years.
When is the renewal date for my insurance license?
The renewal date occurs every 2 years on the last day of your birth month, based on your odd or even birth year.
What courses can I take to satisfy my total hour requirement?
8 of your total hours must be approved for each line of insurance you’re licensed to sell. Multi-licensed producers must take a minimum of 8 hours in each license type held. At least 3 hours must be approved as Ethics.
Can I take any continuing education course?
No. You can only take courses that are approved for the line(s) of insurance you are licensed to sell.
Life & Health Producer Product-specific Requirements
Prior to selling, soliciting, or negotiating the following products, you’re required to complete initial certification training. These training hours can be applied towards the total hours needed to renew your license.
What are the requirements to sell annuities?
Producers must complete a one-time, 4-hour Annuity Best Interest prior to selling, soliciting, or negotiating annuity products in South Carolina.
- Producers who have already updated their Suitability training in another state with a 1-hour or a 4-hour Best Interest course will be considered reciprocal in South Carolina.
- The satisfaction of best interest training requirements in another state that are substantially similar to the provisions of South Carolina satisfy the training requirements in this state.
What are the requirements to sell Long-Term Care Partnership products?
Producers must complete 8 hours of Long-Term Care Partnership (LTCP) Certification Training prior to selling, soliciting, or negotiating LTCP products/policies. After the initial requirement has been met, producers are required to complete 4 hours every 24 months thereafter.
Property & Casualty Producers Product-specific Requirements
Prior to selling, soliciting, or negotiating the following products, you’re required to complete initial certification training. These training hours can be applied towards the total hours needed to renew your license.
What are the requirements to sell flood insurance?
Property/Casualty producers must complete a one-time 3-hour NFIP Flood Insurance Certification Training course prior to selling flood insurance policies.
2. Register for and Complete Courses
Once you have determined the renewal requirements for your license, you are ready to choose and register for insurance continuing education courses. You may complete your hours through webinars, online courses, or any combination of the two. These options allow you to decide how to best fit your continuing education into your existing schedule.
Each course is listed with an associated credit type. You must select courses that have the appropriate credit types for fulfilling the renewal requirements for your license.
Webinars: Completion is based on attendance and participation. You must be present for the full duration of the course, and you must be active throughout to receive credit. There is no certification exam required.
Online courses: Completion is self-paced. You must review the course material and pass the Certification Exam at the end to receive credit. Online exams must be monitored by a disinterested third party, who has no family or financial relationship with you.
A.D. Banker will report your completed hours to the South Carolina Department of Insurance within 1 business day.
3. File a Renewal Application
Once you have completed your courses and satisfied the renewal requirements for your license, you will need to file a renewal application. The online application will guide you through the renewal process. Upon successful renewal, your licensing record will be updated on the South Carolina Department of Insurance's website, and your renewed license can be immediately obtained using the state’s Print or Download Your License service.
We’re Here to Help
Ready to start fulfilling your continuing education requirements? Get started online now or call A.D. Banker’s direct enrollment line at 1-(800)-866-2468. Courses can be completed online and through live webinars. A.D. Banker’s customer care team is available to assist with any questions and create a course plan for you.
Course completions are automatically reported daily and are approved to satisfy LTC, AML, Annuity Suitability, Flood, Ethics, and other state-specific requirements.
Frequently Asked Questions
Do extra hours completed in a previous CE period carry over?
The state of South Carolina allows up to 18 hours of excess continuing education to be carried over into the next renewal period.
Can I repeat Continuing Education courses for credit?
No, you may not repeat courses more than once in a two-year period. Completion dates must be at least 24 months apart.
Am I exempt from Continuing Education?
The following individuals are exempt from completing CE requirements:
How do I find my license number?
To find your license number and other additional details relating to your license, use South Carolina’s License Lookup Service.
How do I print my license?
Your license can be printed online through the South Carolina Department of Insurance’s License Download Service.
How do I view my Continuing Education (CE) transcript?
Your continuing education transcript can be accessed by making an inquiry through NAIC. Your transcript will show the number of hours you’ve completed.
What do I need to have with me when I’m renewing my license?
When you are ready to renew your license online, you should gather the following items to ensure the smoothest process possible:
- The renewal email reminder you received, which will contain:
- Your license number; and
- The 6-digit renewal ID number
- A credit card or debit card
- Your email address
If you did not receive a renewal notice, you can still complete your online renewal using the last 4 digits of your social security number, your license number, and your date of birth.
How will I know when my license is renewed?
Once you have successfully completed the renewal process, your renewed license can be immediately obtained using the state’s Print or Download Your License service. Your licensing record will be updated on the South Carolina Department of Insurance's website.
What if my license renewal is late?
If your license renewal is late, a $50 penalty fee is applied to each month the license remains expired. You must also submit proof of compliance with continuing education requirements.
In South Carolina, you have 6 months from the expiration date of your license to renew an expired license. During this time, you will not be able to transact insurance business until the license is renewed. If the expired license is not renewed within one year, you will need to file a new application, appointment(s), fees, and if required, complete prelicensing education and pass the qualifying exam.
For additional information on late renewals, consult the South Carolina Department of Insurance.
A.D. Banker & Company provides licensing information as a courtesy to our students. While reasonable attempts have been made to ensure the accuracy of this information, licensees are ultimately responsible for ensuring that they are in compliance with the requirements set forth by their state licensing entity. A.D. Banker & Company offers no guarantee of the accuracy of this information and will not be held liable in case of noncompliance with the license requirements.