24 Hour Life & Health CE Package - North Carolina

✅ Approved by North Carolina Department of Insurance | Provider #10033461 | Includes 6 Approved Courses | Only $74.99 | Instant Emailed Certificates | 100% Online & Self-Paced

Complete all 24 North Carolina continuing education credits, including the required 3 hours of ethics, in one approved online package for $74.99. Every course inside is separately approved by the North Carolina Department of Insurance under provider number 10033461, and the package totals exactly 24 credits.

Everything is 100% online and self-paced. Take the courses in any order, log in and out without losing progress, and receive a certificate by email as you finish each one. 1st Choice CE reports your completion to Prometric, the Department's CE administrator. Bought separately these courses cost $131.94; the package is $74.99.

✅ Package Details

• Package name: 24 Hour Life & Health CE Package
• Approved by: North Carolina Department of Insurance
• Provider number: 10033461
• Courses included: 6 separately approved courses
• Total hours: 24 credit hours
• Course format: 100% online, self-paced
• Price: $74.99
• Certificate: emailed immediately after each course is completed
• Reporting: 1st Choice CE reports your completion to Prometric, the Department's CE administrator
• Page URL: https://1stchoice-ce.com/courses/checkout/north+carolina/24-hr-life-health-insurance-ce-package-north-carolina/
• Support: call or text 1-800-698-2770

✅ What Is Included

• 3 Hour Ethics for Insurance Agents (3 hours) - course #222486: approved in North Carolina
• 4-Hour Annuity Best Interest and Suitability (4 hours) - course #223664: approved in North Carolina
• 4 Hrs Ongoing Long-Term Care Insurance Partnership Training (4 hours) - course #222483: approved in North Carolina
• 4 HRs Health Insurance and Affordable Care Act Updates (4 hours) - course #223654: approved in North Carolina
• 4 HRs Medicare Advantage and Part D Update (4 hours) - course #223653: approved in North Carolina
• 5 HRs Life Insurance Products and Retirement Planning (5 hours) - course #223652: approved in North Carolina

Total: 24 credit hours.

✅ Who Should Take This Package?

• North Carolina licensed life, accident and health agents and producers
• Licensees who want the whole compliance period handled in one purchase
• Agents who would rather not track which mandated subjects are still outstanding
• Producers who want every completion reported by the provider
• Anyone renewing on a deadline who needs the full 24 credits online
• Licensees who want one price rather than seven separate transactions

✅ Does This Package Satisfy the State Requirement?

This package delivers the full 24 credits a North Carolina licensee must complete each two-year compliance period, and it includes the mandated 3-hour ethics course. It is built for life, accident and health producers. If you also hold a property, personal lines or adjuster license, note that the 3-hour flood requirement applies to you in alternating compliance periods and is not included here - the 24-Hour Property & Casualty package carries it.

✅ North Carolina Continuing Education Requirements

North Carolina requires 24 insurance continuing education credits during each biennial compliance period under 11 NCAC 06A .0802. Three of those credits must be ethics, taken from a course approved in the ethics category - general credit will not satisfy it, and the Department states there are no exceptions. Licensees holding a property, personal lines or adjuster license must also complete 3 hours of flood coverage in their first compliance period and every other compliance period after that, which works out to every four years. The 24-hour total is the same regardless of how many licenses you hold; holding more lines changes the mandated subject mix, not the total.

• 24 insurance continuing education credits (ICECs) in each two-year compliance period
• 3 of the 24 must be ethics, from a course approved in the ethics category
• 3 hours of flood, in the first compliance period and every other period after that, for anyone holding a property, personal lines or adjuster license
• 24 hours is the total no matter how many licenses you hold
• No limit on self-study or online hours - all 24 may be completed online
• Excess hours carry forward to the next compliance period as general credit

Your compliance date is set by your birth month and your birth year. Continuing education is due by the last day of your birth month, in odd-numbered years if you were born in an odd year and even-numbered years if you were born in an even year. North Carolina sets no limit on self-study or online hours, so the full 24 may be completed online. Hours above 24 carry forward to the next compliance period, although surplus ethics or flood credits carry over only as general credit and do not pre-satisfy the next period's mandated subjects. The same course does not earn credit twice in one compliance period. Exemptions are narrow - long-term medical disability or active military service only. There is no long-tenured exemption and no professional designation exemption. Nonresident licensees who meet their home state's requirements are deemed to meet North Carolina's.

How this package helps: This package provides all 24 credits required in a North Carolina compliance period, including the mandated 3 hours of ethics. For a life, accident and health licensee with no property, personal lines or adjuster license, it completes the requirement. If you hold a property, personal lines or adjuster license, the separate 3-hour flood requirement still applies in alternating periods.

✅ When Do Licensees Renew?

North Carolina is unusual, and it is worth being precise about it. A resident producer license does not renew on a schedule - it stays valid until it is surrendered, cancelled or revoked. What runs on a cycle is the continuing education. Your CE is due by the last day of your birth month, in either odd or even years depending on your birth year. The license does not expire on a renewal date; it expires as a consequence of missing the CE deadline or missing the mandated ethics or flood hours. The January, April and September renewal dates you may have heard of apply to adjusters, business entities and surplus lines licenses, not to resident individual producers.

✅ How to Meet Your North Carolina CE Requirement

1. Confirm your compliance date. It is the last day of your birth month, in an odd year if you were born in an odd year and an even year if you were born in an even year. New licensees should check the Department's New Licensee CE Chart, because a first period can run longer or shorter than two years.
2. Confirm which mandated subjects apply to you. Everyone needs 3 ethics hours. Anyone holding a property, personal lines or adjuster license also needs 3 flood hours in alternating periods.
3. Complete all 24 credits, including the mandated subjects, before the last day of your birth month in your compliance year.
4. Allow reporting time. Approved providers submit rosters to Prometric within 15 business days of the completion date.
5. Check your CE transcript through Sircon Compliance Express and confirm the ethics and flood hours posted in the correct categories, not as general credit.
6. If you are going to miss the date, request an extension through Sircon between 30 days before and the last day of your compliance period. The fee is $75 and it holds the license in Extended status for 30 days.
7. Verify your license status and NPN through the NAIC lookup, and keep your own CE records for five years as the rule requires.

There is no grace period. Missing the compliance date on total hours, or on the mandated ethics or flood hours, causes the license to expire. You then have four months from the compliance date to complete the outstanding hours and pay a $75 administrative fee to Prometric to reinstate. After that four-month window the license goes inactive and continuing education will not bring it back - you must complete prelicensing education and pass the state exam again for each line of authority to be issued a new license. That is the reason to finish early rather than at the deadline.

✅ What You Will Learn

• 3 Hour Ethics for Insurance Agents - the duties a producer owes the client, the insurer and the public, with suitability, disclosure, replacement standards and the consequences of misrepresentation
• 4-Hour Annuity Best Interest and Suitability - the best-interest standard for annuity recommendations, including the care, disclosure, conflict-of-interest and documentation obligations
• 4 Hrs Ongoing Long-Term Care Insurance Partnership Training - ongoing Partnership training on benefit triggers, settings of care, and how the asset disregard interacts with Medicaid eligibility and estate recovery
• 4 HRs Health Insurance and Affordable Care Act Updates - individual, small-group and large-group plan structures, cost sharing, essential health benefits, Marketplace enrollment and premium tax credits
• 4 HRs Medicare Advantage and Part D Update - Medicare Advantage plan types, Star Ratings, Part D formularies and exceptions, enrollment periods and CMS marketing standards
• 5 HRs Life Insurance Products and Retirement Planning - term, whole and universal life designs, cash value and dividends, fixed, indexed and variable annuities, 1035 exchanges, illustrations and replacement

✅ Course Content Overview

3 Hour Ethics for Insurance Agents (3 hours): the duties a producer owes the client, the insurer and the public, with suitability, disclosure, replacement standards and the consequences of misrepresentation

4-Hour Annuity Best Interest and Suitability (4 hours): the best-interest standard for annuity recommendations, including the care, disclosure, conflict-of-interest and documentation obligations

4 Hrs Ongoing Long-Term Care Insurance Partnership Training (4 hours): ongoing Partnership training on benefit triggers, settings of care, and how the asset disregard interacts with Medicaid eligibility and estate recovery

4 HRs Health Insurance and Affordable Care Act Updates (4 hours): individual, small-group and large-group plan structures, cost sharing, essential health benefits, Marketplace enrollment and premium tax credits

4 HRs Medicare Advantage and Part D Update (4 hours): Medicare Advantage plan types, Star Ratings, Part D formularies and exceptions, enrollment periods and CMS marketing standards

5 HRs Life Insurance Products and Retirement Planning (5 hours): term, whole and universal life designs, cash value and dividends, fixed, indexed and variable annuities, 1035 exchanges, illustrations and replacement

✅ Other North Carolina Insurance CE Courses

• 3 Hour Ethics for Insurance Agents - North Carolina – $21.99
• 4-Hour Annuity Best Interest and Suitability - North Carolina – $21.99
• 4 Hrs Ongoing Long-Term Care Insurance Partnership Training - North Carolina – $21.99
• 4 HRs Health Insurance and Affordable Care Act Updates - North Carolina – $21.99
• 4 HRs Medicare Advantage and Part D Update - North Carolina – $21.99
• 5 HRs Life Insurance Products and Retirement Planning - North Carolina – $21.99

✅ Why Choose 1st Choice CE?

• Every course separately approved in North Carolina
• All 24 hours for $74.99 instead of $131.94 bought separately
• 100% online and self-paced
• Log in and out anytime without losing progress
• Instant emailed certificate after each course
• We report your completions for you
• Money-back guarantee
• Over 10 years of continuing education experience
• Support by phone or text at 1-800-698-2770

✅ Enroll Now

Enroll in the 24 Hour Life & Health CE Package for $74.99 and complete all 24 approved hours online, on your schedule. Questions before you buy? Call or text 1-800-698-2770.

✅ Frequently Asked Questions

Is this package approved in North Carolina?

Every course in the package is separately approved by the North Carolina Department of Insurance under provider number 10033461. Course numbers are listed in What Is Included.

How many hours does the package provide?

24 credit hours in total.

Does it complete my whole requirement?

This package provides all 24 credits required in a North Carolina compliance period, including the mandated 3 hours of ethics. For a life, accident and health licensee with no property, personal lines or adjuster license, it completes the requirement. If you hold a property, personal lines or adjuster license, the separate 3-hour flood requirement still applies in alternating periods.

Does it include the required ethics hours?

Yes. The 3-hour ethics course is included and it is approved in the ethics category, which North Carolina requires.

Does it include the flood hours?

No. This package is built for life, accident and health licensees, who have no flood requirement. If you also hold property and casualty authority, choose the 24-Hour Property & Casualty package instead.

Can I take the courses in any order?

Yes. They are independent and you can work through them in whatever order suits you.

Is everything online?

Yes. All 24 hours are 100% online and self-paced. North Carolina sets no limit on online or self-study hours.

Can I log in and out without losing progress?

Yes. Your progress is saved in every course.

When do I get my certificates?

A certificate is emailed to you as soon as you finish each course, so you do not have to wait until the whole package is done.

Do I report the completions myself?

No. 1st Choice CE reports your completion to Prometric, the Department's CE administrator.

When is my continuing education due?

By the last day of your birth month, in an odd-numbered year if you were born in an odd year and an even-numbered year if you were born in an even year.

What happens if I miss my compliance date?

Your license expires. You have four months to complete the outstanding hours and pay a $75 fee to Prometric. After four months the license goes inactive and you must retake prelicensing and the state exam for each line of authority.

Do extra hours carry over?

Yes. Hours above 24 carry forward to the next compliance period as general credit, although surplus ethics or flood credits carry over only as general credit and do not pre-satisfy the next period's mandated subjects.

How much do I save versus buying separately?

The courses total $131.94 purchased individually. The package is $74.99.

Is there a money-back guarantee?

Yes. If the package is not what you expected, contact us and we will make it right.

Who do I call if I need help?

Call or text 1-800-698-2770.