Disability Income Insurance-ME 939-disability-income-insurance_17

Maine State Requirements

Updated: 12/13/2013

Continuing Education Hours

• 24 hours biennially, including 3 hours of ethics.

Course Subject Requirements

• 3 hours of ethics must be included as part of the total 24 hour requirement.
• All Maine licensed resident insurance producers who sell federal flood insurance policies shall be required to complete a one time 3 hour requirement on flood insurance.
• Agents wishing to sell LTC must also complete a 8-hour LTC requirement prior to selling LTC products. The LTC requirement counts towards the completion of the basic CE requirement. By the end of each consecutive renewal period, agents must complete a 4-hour "refresher" state-approved LTC course to continue selling LTC.

Continuing Education Compliance Date

License continuation. Continuation date is the end of the licensee's birth month in even or odd years. Licensees born in even years will have continuation dates in even years. Licensees born in odd years will have continuation dates in odd years.

Types of Courses Accepted for CE Credit

Independent self-study courses or classroom study.

Carryover Requirements

No excess CE credit hours may be carried over to the next reporting period.

Course Repetition

No CE credit may be earned for repeating a course previously taken during the same biennium.

Final Exam

Self-study exams are not required to be monitored.

Exemptions

• Individuals holding limited licenses (such as title insurance).
• Individuals licensed less than one year at the time of the first CE compliance date are exempt for that first reporting period.
• Nonresident producers who meet their home states' CE requirements are exempt from Maine CE requirements if that home state has a reciprocal arrangement with Maine.

Method to Certify Completion

You will be able to print your certificate of completion online once you have completed your exam. The course provider mails a report of credits earned to the insurance bureau within one business day of course completion. Producer keeps the original certificates of completion on his or her files.

Nonresidents

Nonresident licensees must hold an active license in their resident state. Satisfaction of a nonresident producer's home state's CE requirements for licensed insurance producers constitutes satisfaction of this State's continuing education requirements, if the nonresident producer's home state recognizes the satisfaction of its continuing education requirements by producers from this State on the same basis.

For Additional Information please Contact:

Maine Insurance Bureau
Licensing Division

34 State House Station
Augusta, ME 04333-0034

Mailing Address:

Maine Department of Insurance
76 Northern Ave.
Gardiner, ME 04345

Phone: (207) 624-8411 -OR- (207) 624-8412 -OR- (207) 624-8413

Fax: (207) 624-8599

State Website: http://maine.gov/pfr/insurance/

Seminars & Classroom Courses

These courses are instructor led programs, usually in a live classroom setting, and do not require you to pass an exam to receive CE credit for the course. 

You must choose one of the locations listed in the options above. Please make note of the address of the seminar you choose. You will also receive an email confirmation of your enrollment, which will include the address of the seminar. You can return here to review the address if you misplace it before the class.

All of our seminars begin at 8:30 AM and end at 4:30 PM unless otherwise noted on your confirmation notice.  Please arrive at the classroom at least 10 minutes before the starting time on your confirmation notice. All students must be signed-in and seated BEFORE the official class start-time. If you arrive late, please DO NOT interrupt the class in session. You can talk to the instructor at the first break regarding the possibility of obtaining credit for the class or rescheduling for another date. Remember, these classes fill up quickly, and there is usually little or no room for agents who arrive at the last minute without registering in advance.

Cell phones must be turned off during the entire duration of the seminar. You will have time to return messages and make calls during breaks and at lunch. 

During the class, you must not have any materials on your desk except the textbook or handout provided by the instructor. By law, students who are reading other materials, talking to other students, sleeping, or otherwise not participating in the learning experience are not allowed to receive CE credit!

Absolutely no recruiting or marketing for products, services, employment or any other activity is allowed at any time during the seminar - including during breaks and lunch. Students caught doing this may be asked to leave immediately and will NOT receive a refund.

CA PARTNERSHIP CLASS REFUND POLICY:

Due to the fact that we must pre-pay for locations, teachers, materials and shipping there is a 10-day cancellation or refund policy for classroom courses. If you find you need to cancel a classroom course you may either:

1. Request a refund with our refund request form no later than 10 days from the class date: www.kruise.com/refund.pdf
2. If you're inside the 10 day window you can move to a later class on our calendar or call and have us hold your payment for another time.
3. If you request a refund after we've already shipped your materials to the class you will most likley not be able to receive a full refund.

If you have received a CE voucher from an insurance company or wholesaler, you can redeem it by following these instructions. 

• Choose your course format - see "course format" tab for more details or click "learn more" above options.
• Click on the red "buy" button to proceed to checkout.
• Be sure to enter your Voucher Code when checking out to apply your discount.
• You will be able to download the study materials immediately by clicking the red "Download Course" on your receipt. It will also be emailed to you and will be available for one year in your customer account.
• You will also be provided with a link and information to access the exam.

Your voucher covers an online book, online exam, grading and one CE certificate for insurance. It DOES NOT INCLUDE printed books, printed exams, state fees or CE certificate(s) or reporting for additional designations or types of CE, although they are available as options for additional charge. 

If you choose printed books or exams, you will be charged the balance due during checkout.

If your state charges a fee to report your credit, this fee is due from you. When you check-out, you must pay this fee in order to access the course and obtain CE credit.

After you pass your exam, you will be able to purchase CE certificates for professional designations such as CFP, CPE, etc. you will be charged $10 for each one. Please DO NOT order these additional certificates unless you currently hold that professional designation. There are NO REFUNDS for additional certificates ordered and not needed.

Optional PACE or CFP Credit

Many of our Insurance CE courses are also approved for CE credit for agents who hold professional designations such as CLU, ChFC, CFP. The type of CE credit and number of hours approved are listed above in the course description.

If you hold a professional designation you may request a certificate for courses taken and exams passed for insurance CE credit. If you pass and exam and would like to get additional credit for one of these designations, please use the link to the left: "CFP & PACE Credit".

If you do not hold a professional designation and do not need any type of CE other than for your insurance license renewal, please do not order a PACE or CFP certificate. It will not benefit you and once ordered, there are no refunds!

There are no refunds for certificates ordered by mistake!

System Requirements: All major browsers can be used to complete our courses.  This includes Internet Explorer 11.x or higher, Microsoft Edge 20 or higher, Firefox version 51 or higher, Apple Safari version 10.x or higher, and Google Chrome, version 56 or higher.

Desktops, Laptops, Tablets, and most Smartphones are also supported.

This course automatically includes a downloadable textbook and/or other course materials which you may print if you desire. When you are finished studying your course, the exam is taken online and it is graded immediately.  In most states you can also print your own certificate of completion, if you pass. There is no additional charge if you complete your course and exam completely online. 

If you prefer, however, you may purchase a printed book and/or printed exam at additional cost.   

You have 3 options if purchasing the course outside a subscription:

1. Online book and online exam - included in price - You receive no printed materials-everything is online.
2. Printed book and online exam - $5 additional - You receive a printed book but take your exam online.
   
3. Printed book and printed exam - $10 additional - You receive a printed book and printed exam which you mail or fax to us for grading.

For options 2 and 3, you will be able to choose either regular or express shipping during checkout.

Please choose your option carefully!  There is no refund for printed materials or exams ordered by mistake!

If your state requires monitored exams, you must have your monitor sign-in and follow the monitor instructions BEFORE you begin the exam.  See the State Information tab, Monitor tab and Help Center for more information.