South Dakota Insurance Continuing Education Courses and Requirements
📅 Updated July 24, 2025🟠 ExamFX Provider #953
Courses Available
The following courses are currently available for South Dakota:
| Course Name | Credit Hours | Line of Authority |
| Anti-Money Laundering - Ethical Decision Making for Insurance | 3.00 | General/Ethics |
| Ethical Practices: Avoiding E&O Claims | 3.00 | General/Ethics |
| Ethics & Insurance: How to Sell Ethically & Comply with the Law | 3.00 | General/Ethics |
| Front Line Fraud Prevention | 3.00 | General/Ethics |
| Indexed Product Training | 4.00 | Life/Health |
| Distribution Planning | 4.00 | Life/Health |
| Group Benefits & Worksite Insurance | 4.00 | Life/Health |
| Health Insurance Policies: Protecting Clients from Health-Related Loss | 5.00 | Life/Health |
| Life Insurance Policy Types & Suitability | 6.00 | Life/Health |
| Medicare Supplement Insurance: Closing the Gap | 4.00 | Life/Health |
| Principles of Life and Health Insurance | 10.00 | Life/Health |
| Retirement Planning | 4.00 | Life/Health |
| Variable Life & Annuities: Understanding Investment Potential and Risks | 5.00 | Life/Health |
| Annuity Suitability and Best Interest Standard Training | 4.00 | Annuity Best Interest 4 hr |
| NFIP Flood Insurance | 3.00 | Property/Casualty |
| Businessowners Policy (BOP) | 4.00 | Property/Casualty |
| Commercial Lines: Property/Auto/Liability | 4.00 | Property/Casualty |
| Personal Lines: Protecting Your Client's Home, Auto, & Critical Risks | 7.00 | Property/Casualty |
| Principles of Property and Casualty Insurance | 10.00 | Property/Casualty |
Required Hours
• Producers in South Dakota who are licensed either as a Life/Health or Property/Casualty Producer must complete 10 hours of CE every 2-year license term.
• If a producer is licensed as a combination Life/Health AND Property/Casualty producer, 20 hours of CE are required every 2-year license term.
• Producers are required to renew before the last day of the licensee’s birth month, every 2 years. No carry over credits are allowed and a licensee cannot take a course more than once in a 2-year license term.
NOTE: Be sure to complete all of your CE credit hours BEFORE submitting your license renewal application.
Category Restrictions
• General credits can only be applied to Life and Health or Property and Casualty.
• Life and Health AND Property and Casualty: 10 credits in L&H and 10 credits in P&C. A minimum of 8 credits in each license.
Special Training
• ANNUITY SUITABILITY TRAINING – South Dakota licensed producers must complete a one-time 4-hour Annuity Best Interest Standard Training course before selling, soliciting or negotiating any annuity products.
• LONG-TERM CARE TRAINING – Before a producer can sell or solicit Long-Term Care Insurance, they must complete an initial 8 hours of a state approved Long-Term Care Training. Producers must then complete a state approved 4-hour ongoing training requirement by July 1st every even year. As of 1/1/2025 producers are required to take the 4-hour ongoing training within their 2-year renewal period by the end of their birth month.
• STATE-SPECIFIC LTC TRAINING – Producers who have taken the initial 8-hour LTC training in another state must complete South Dakota’s specific 1-hour LTC training course before selling LTC products.
• FLOOD INSURANCE TRAINING – South Dakota licensed producers who sell National Flood Insurance Policies are required to take a one-time 3-hour course on Flood Insurance.
• LONG-TERM CARE TRAINING – Before a producer can sell or solicit Long-Term Care Insurance, they must complete an initial 8 hours of a state approved Long-Term Care Training. Producers must then complete a state approved 4-hour ongoing training requirement by July 1st every even year. As of 1/1/2025 producers are required to take the 4-hour ongoing training within their 2-year renewal period by the end of their birth month.
• STATE-SPECIFIC LTC TRAINING – Producers who have taken the initial 8-hour LTC training in another state must complete South Dakota’s specific 1-hour LTC training course before selling LTC products.
• FLOOD INSURANCE TRAINING – South Dakota licensed producers who sell National Flood Insurance Policies are required to take a one-time 3-hour course on Flood Insurance.
Course Presentation
• CERTIFICATE EXAM – Licensees are required to pass the certificate exam with a 70% or better. Exams must be monitored by a disinterested third party who has no family or financial relationship with the person taking the exam and certifies that the licensee completed the exam without outside assistance.
• STUDY BY TOPIC QUIZZES – ExamFX recommends that all Study by Topic Quizzes are passed with a 70% or better.
• ATTESTATION – The attestation must be completed following the certificate exam.
• STUDY BY TOPIC QUIZZES – ExamFX recommends that all Study by Topic Quizzes are passed with a 70% or better.
• ATTESTATION – The attestation must be completed following the certificate exam.
Certificates of Completion
Your certificate of completion will be processed within two (2) business days and can be downloaded/printed from the "View Certificate(s)" link in the course launch portal. Completions are normally reported to the state within two (2) business days of the certificate having been issued. There is a state charge of $1.25 per credit hour in order to report completions. This fee will be charged prior to accessing the certificate exam.
Non-Resident Producers
Non-residents are exempt from all CE requirements in South Dakota. A non-resident who has completed the initial LTC training in another state with a substantially similar requirement will still need to complete the state required LTC Care Medicaid training.
CE Exemptions
The following producers are exempt from South Dakota CE requirements:
• Holds limited licenses to sell only credit life and credit health insurance.
• Is outside the United States or its territories.
• Who are resident attorneys licensed to practice law in South Dakota.
• Who is a transportation ticket producer of common carriers holding a limited license to sell only travel accident and baggage insurance.
• Is an employee of a trade association holding a limited license to sell only surety bonds to its association members.
• Is licensed to sell only bail bonds.
• Who are over 65 and have been licensed in South Dakota for at least 10 years as of July 1, 2006.
Producers must notify the South Dakota Division of Insurance in writing if they are exempt from continuing education.
• Holds limited licenses to sell only credit life and credit health insurance.
• Is outside the United States or its territories.
• Who are resident attorneys licensed to practice law in South Dakota.
• Who is a transportation ticket producer of common carriers holding a limited license to sell only travel accident and baggage insurance.
• Is an employee of a trade association holding a limited license to sell only surety bonds to its association members.
• Is licensed to sell only bail bonds.
• Who are over 65 and have been licensed in South Dakota for at least 10 years as of July 1, 2006.
Producers must notify the South Dakota Division of Insurance in writing if they are exempt from continuing education.
License Renewal
Licensees will renew their license through Sircon and pay all renewal fees by the due dates or the license will lapse. You can renew your license here.
State Contact Information
South Dakota Division of Insurance
Phone: (605) 773-3946
Mailing Address:
South Dakota Division of Insurance
445 E. Capitol Ave.
Pierre, SD 57501-3185
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🛈 The information displayed above is for informational purposes only. ExamFX is not responsible for the accuracy of the information on this page. All steps have been taken to ensure the information relayed on this page is accurate; however, information is subject to change without notice. It is the responsibility of the producer to be compliant per their state's requirements.
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