License Requirements

How to Renew a Tennessee Insurance License

Updated: June 7, 2023

A.D. Banker Provider #: 1281

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On this page, you’ll find a comprehensive guide to renewing your Tennessee 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 Tennessee’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 and Adjusters are required to complete 24 total hours every 2 years.

What courses can I take to satisfy my total hour requirement?

21 of your total hours may be courses in any line of authority. The remaining 3 hours must be approved as Ethics.

When is the renewal date for my insurance license?

Licensees born in odd-numbered years renew in odd-numbered years, and licensees born in even-numbered years renew in even numbered years.

Do extra hours completed in a previous CE period carry over?

The state of Tennessee allows excess continuing education hours to be carried over into the next renewal period, up to 12 hours. Excess hours in ethics or speciality training can carry over to the next renewal period; however, those hours will only be counted as general credits, and will not be counted to fulfill the requirement. Education requirements for ethics and specialty training must be completed during every renewal period. Hours must be completed before the expiration date, or they do not carry forward.

Can I repeat Continuing Education courses for credit?

No, you may not repeat courses for credit in the same renewal 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:

An insurance producer who has been licensed continuously since 1/1/1994
An insurance producer that is a business entity

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?

Before January 1, 2024 Producers must complete a 4-hour Annuity Suitability prior to selling, soliciting, or negotiating annuity products in Tennessee. The satisfaction of the training requirements from another state that are substantially similar to the provisions of Tennessee will satisfy the training requirements.

Starting, January 1, 2024
1 hour - Resident and nonresident producers licensed and certified to sell annuity products in Tennessee prior to January 1, 2024 must complete an updated Annuity Best Interest course no later than June 30. 2024.

A.D. Banker & Company will offer this training online and via live webinar in both 1- and 4-hour options to satisfy the training update requirement.

4 hours - Producers licensed on or after January 1, 2024 must complete a one-time, 4-hour Annuity Best Interest prior to selling, soliciting, or negotiating annuity products in Tennessee.

Annuity Best Interest training courses already completed in another state that has adopted the NAIC 2020 Annuity Model Law updates are reciprocal.

What are the requirements to sell long-term care products?

Producers licensed in Accident & Health or Sickness must complete 8 hours of initial Long-Term Care (LTC) Certification Training before selling, soliciting or negotiating Long-Term Care (LTC) products. Every renewal period after, producers must complete a 4-hour LTC training course.

Property & Casualty Producers Product-specific Requirements

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. Certification exams do not require a monitor.

A.D. Banker will report your completed hours to the Tennessee 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 Tennessee Department of Insurance's website, and your renewed license can be immediately obtained using the state’s Print or Download Your License service.

Frequently Asked Questions

How do I find my license number?

To find your license number and other additional details relating to your license, use Tennessee’s Check a License service.

How do I print my license?

Your license can be printed online through the Tennessee 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 Tennessee’s State Based System. 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 Tennessee Department of Insurance's website.

What if my license renewal is late?

If your license renewal is late, a $120 penalty fee is required to late renew your license. In Tennessee, you have one calendar year 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 Tennessee 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.