24-Hour Dual-Line CE Package - Pennsylvania

24-Hour Dual-Line CE Package - Pennsylvania

✅ Approved by the Pennsylvania Insurance Department | Provider #156967 | Includes 7 Approved Courses | All 24 Hours | Only $69.99 | Instant Emailed Certificate | 100% Online & Self-Paced

Complete all 24 hours of Pennsylvania insurance continuing education in one approved online package for $69.99, including the 3 hours of ethics every licensee owes and the 2 hours of flood insurance required of anyone holding property, casualty or personal lines authority. This package was built for the producer who carries both property/casualty and life/health authority, so a single purchase covers the whole two-year cycle instead of leaving a mandatory subject uncovered.

All seven courses are 100% online and self-paced. You can log in and out as often as you like without losing your place, finish one course at a time or all of them in a weekend, and your certificate is emailed to you as soon as you complete each course. 1st Choice CE reports your completions to Pennsylvania through Sircon, normally within 24 hours, so you do not have to file anything yourself. Questions before you buy? Call or text 1-800-698-2770.

✅ Package Details

• Package Name: 24-Hour Dual-Line CE Package - Pennsylvania
• Approved By: Pennsylvania Insurance Department
• Provider Number: 156967
• Courses Included: 7 separately approved Pennsylvania CE courses
• Total Credit Hours: 24 hours
• Ethics Hours Included: 3 hours
• Flood Insurance Hours Included: 3 hours (Pennsylvania requires a minimum of 2)
• Intended License Types: Resident producers holding both property/casualty and life/health authority
• Requirement Type: Recurring renewal continuing education, every two-year license period
• Course Format: Online self-study, self-paced
• Price: $69.99 for all 24 hours
• Certificate: Emailed immediately on completion of each course
• State Reporting: 1st Choice CE reports your completions to Pennsylvania
• Progress Saving: Log in and out at any time without losing progress
• Support: Phone or text 1-800-698-2770

✅ What Is Included

All seven courses are included in the package price. Each one is separately approved by the Pennsylvania Insurance Department and is listed with its own state course number so you can confirm it on your transcript.

• 3 hours — 3 Hour Ethics for Insurance Agents - Pennsylvania – $19.99 (Course #139158)
• 3 hours — 3-Hour Flood Insurance (NFIP) - Pennsylvania – $19.99 (Course #139159)
• 3 hours — 3 HRs Emerging Risks and Specialty Coverages - Pennsylvania – $19.99 (Course #140035)
• 3 hours — 3 Hrs Insurance Fraud and Claims Handling - Pennsylvania – $19.99 (Course #140037)
• 4 hours — 4 HRs Health Insurance and Affordable Care Act Updates - Pennsylvania – $19.99 (Course #140024)
• 4 hours — 4 HRs Medicare Advantage and Part D Update - Pennsylvania – $19.99 (Course #140023)
• 4 hours — 4-Hour Annuity Best Interest and Suitability - Pennsylvania – $19.99 (Course #139160)

Total: 24 credit hours — 3 hours ethics, 3 hours flood insurance, and 18 hours of general continuing education credit. Bought separately these seven courses would cost $139.93, so the package saves $69.94.

✅ Who Should Take This Package?

• Pennsylvania resident insurance producers who hold both property/casualty and life/health lines of authority
• Dual-line agents who sell homeowners or auto alongside life, health, Medicare or annuity products
• Producers who hold a property or casualty line and therefore owe the 2-hour flood insurance requirement
• Agents who want their ethics, flood and general hours in one purchase instead of buying courses separately
• Independent agents and agency staff renewing a Pennsylvania producer license for a new two-year period
• Producers who have let hours accumulate and need the full 24 before the end of the license period
• Agents who prefer to carry forward surplus hours, which Pennsylvania permits up to a maximum of 24

✅ Does This Package Satisfy the State Requirement?

This package is designed to provide all 24 credit hours Pennsylvania requires for a two-year license period, and to cover both subject mandates inside that total.

• The 3-Hour Ethics course is designed to satisfy the 3-hour ethics requirement that applies to every Pennsylvania licensee.
• The 3-Hour Flood Insurance (NFIP) course covers the 2-hour flood insurance requirement that applies to producers holding property, casualty or personal lines authority, with an extra hour that counts as general credit inside the 24.
• The remaining 18 hours come from four approved courses that count as general continuing education credit.

What this package does not do is replace a check of your own license record. Pennsylvania exempts some licensees entirely, including business entities, licensees holding only a limited line of authority, and certain nonresident licensees who satisfy their home state's requirement. Producers who do not hold a property or casualty line do not owe the flood hours and may prefer the Life and Health package instead. Confirm your own hours and license status in your Pennsylvania CE transcript before you buy.

✅ Pennsylvania Continuing Education Requirements

Pennsylvania continuing education is governed by 40 P.S. § 310.8. A licensee must successfully complete 24 credit hours of approved continuing education for each two-year license period. Since Act 142 of 2024, two subject mandates sit inside that 24-hour total rather than on top of it.

• Total continuing education: 24 credit hours per two-year license period
• Ethics: At least 3 of the 24 hours, required of every licensee
• Flood insurance: At least 2 of the 24 hours, required of licensees holding property, casualty or personal lines authority
• General credit: The balance of the 24 hours, from any approved course
• Delivery format: No classroom or self-study cap — all 24 hours may be completed online
• Carryover: Surplus hours carry forward to the next license period, up to a maximum of 24
• Line-of-authority split: None — Pennsylvania's 24 is a flat total and is not divided by line
• Consequence of shortfall: Failure to complete the minimum results in voluntary termination of the license

The ethics and flood mandates took effect April 29, 2025. A licensee already licensed on that date satisfies them by the later of twelve months after that date or the end of the current license period; a licensee licensed on or after that date satisfies them by the end of the first license period. Act 147 of 2002 gives the Insurance Department limited authority to waive continuing education on an individual basis, typically for military service or other well-documented extenuating circumstances.

How this package helps: This package provides all 24 required credit hours for a Pennsylvania two-year license period, including 3 hours of ethics and 3 hours of flood insurance against a 2-hour flood minimum. For a resident producer holding both property/casualty and life/health authority it is designed to complete the full requirement, with no additional course needed. Producers who hold neither a property nor a casualty line do not owe the flood hours and should confirm which package fits their authority.

✅ When Do Licensees Renew?

A Pennsylvania producer license runs for a two-year term and is renewed every two years. The initial license term is set from the licensee's birth month, and the continuing education requirement is tied to the two-year license period rather than to a single statewide date, so two agents in the same office can have different due dates.

Because the requirement attaches to the license period, the practical deadline is the end of your own period, not the day you submit the renewal. Pennsylvania allows a late renewal within a one-year lapsed period, but a lapse affects the renewal term and costs more, and the continuing education still has to be complete. The reliable move is to check your expiration date and your posted hours on your own license record, then work backward from there.

Surplus hours are not wasted in Pennsylvania. Up to 24 excess credit hours carry forward into the next license period, which is unusual among the states and worth knowing if you finish early in a cycle.

✅ How to Renew Your Pennsylvania Producer License

1. Step 1: Confirm your license record first
   Look up your exact license type, lines of authority, status and expiration date, along with the continuing education already posted to your Pennsylvania transcript. Your lines of authority decide whether you owe the flood hours.
2. Step 2: Complete all 24 hours, including both mandates
   Finish the full 24 credit hours before the end of your license period, making sure at least 3 are ethics and, if you hold a property or casualty line, at least 2 are flood insurance.
3. Step 3: Allow time for the completion to post
   1st Choice CE reports your completions to Pennsylvania, and credits appear on your transcript after the state processes them. Do not leave the last course for the final day of the period.
4. Step 4: Verify the hours on your transcript
   Check that all 24 hours show on your own Pennsylvania continuing education record, and that the ethics and flood hours are posted in those subjects and not only as general credit.
5. Step 5: Submit the renewal
   Renew through Sircon or NIPR, following the renewal notice the Insurance Department sends to the address on your license record.
6. Step 6: Review and update your information
   Confirm your contact details, business information and any required attestations as part of the renewal application.
7. Step 7: Pay the renewal fee and keep the receipt
   Pennsylvania's resident individual producer renewal fee is $55 for a timely renewal. A lapsed renewal within the one-year lapsed period costs $165.
8. Step 8: Confirm the renewed license
   After submitting, check that your license shows an active status with the new expiration date before you treat the renewal as finished.

✅ What You Will Learn

• How Pennsylvania's ethics obligations apply to producer conduct, disclosure, suitability and client money
• How the National Flood Insurance Program works, what a flood policy covers and excludes, and how to place and explain flood coverage
• Emerging exposures and specialty coverages that increasingly show up in ordinary personal and commercial accounts
• How insurance fraud is detected, investigated and reported, and how claims handling obligations work in practice
• What the Affordable Care Act currently requires, how health plans are structured, and how to advise on coverage options
• How Medicare Advantage and Part D plans are built, marketed and compared, and the current update picture
• How the best interest and suitability standard applies to annuity recommendations, documentation and supervision

✅ Course Content Overview

3 Hour Ethics for Insurance Agents (3 hours, Course #139158)
Producer duties, fiduciary obligations, disclosure and advertising, handling premium funds, conflicts of interest, and the ethical standards that sit behind Pennsylvania's licensing law. Designed to satisfy the 3-hour ethics mandate.

3-Hour Flood Insurance (NFIP) (3 hours, Course #139159)
How the National Flood Insurance Program is structured, the Standard Flood Insurance Policy, building and contents coverage, exclusions, flood zones and mapping, waiting periods, and the private flood market. Covers the 2-hour flood mandate with an hour to spare.

3 HRs Emerging Risks and Specialty Coverages (3 hours, Course #140035)
Cyber liability, climate and catastrophe exposure, the sharing economy, and specialty lines that fall outside standard personal and commercial forms.

3 Hrs Insurance Fraud and Claims Handling (3 hours, Course #140037)
Fraud indicators and schemes across property, casualty and health lines, investigation and reporting duties, and the obligations that govern claim handling and settlement.

4 HRs Health Insurance and Affordable Care Act Updates (4 hours, Course #140024)
Plan types and cost-sharing structures, marketplace enrollment and subsidies, essential health benefits, employer obligations, and the current state of ACA rules.

4 HRs Medicare Advantage and Part D Update (4 hours, Course #140023)
Medicare Parts A through D, how Advantage and prescription drug plans are built and priced, enrollment periods, marketing rules, and the latest program changes.

4-Hour Annuity Best Interest and Suitability (4 hours, Course #139160)
Annuity product types, the best interest standard of conduct, suitability information and documentation, disclosure, replacement transactions, and supervision requirements.

✅ Other Pennsylvania Insurance CE Courses & Packages

Not sure the dual-line package is the right fit, or need hours in a subject this package does not include? These Pennsylvania courses and packages are also available.

• 4 HRs Commercial Lines Insurance Essentials - Pennsylvania – $19.99
• 4 HRs Homeowners Insurance Overview - Pennsylvania – $19.99
• 4 HRs Personal Auto and Umbrella Insurance - Pennsylvania – $19.99
• 4 Hrs Ongoing Long-Term Care Insurance Partnership Training - Pennsylvania – $19.99
• 5 HRs Life Insurance Products and Retirement Planning - Pennsylvania – $19.99
• 8 Hours Initial Long-Term Care Insurance Partnership Training - Pennsylvania – $39.99
• 24-Hour Property and Casualty CE Package - Pennsylvania – $69.99
• 24-Hour Life and Health CE Package - Pennsylvania – $69.99

✅ Why Choose 1st Choice CE?

• All seven courses are approved by the Pennsylvania Insurance Department under provider #156967
• All 24 hours for $69.99 — less than buying the courses individually
• 100% online and self-paced, with no classroom attendance and no scheduled sessions
• Log in and out as often as you want without losing your progress
• Certificate emailed immediately when you finish each course
• 1st Choice CE reports your completions to Pennsylvania, normally within 24 hours
• Money-back guarantee
• Over 10 years of continuing education experience
• Support by phone or text at 1-800-698-2770

✅ Enroll Now

Enroll online and start whenever you like. The full 24-hour Dual-Line package is $69.99, it covers the ethics and flood mandates along with 18 hours of general credit, and your certificates are emailed as you finish each course. If you are not sure whether the dual-line package or a single-line package fits your lines of authority, call or text 1-800-698-2770 before you buy and we will walk through your license record with you.

✅ Frequently Asked Questions

Is this package approved by the Pennsylvania Insurance Department?

Yes. All seven courses in the package are separately approved Pennsylvania continuing education courses under provider #156967.

How many continuing education hours does Pennsylvania require?

24 credit hours for each two-year license period, under 40 P.S. § 310.8.

Does this package cover the full 24 hours?

Yes. The seven courses total exactly 24 credit hours, with nothing left to buy separately for a producer holding both property/casualty and life/health authority.

Does it include the required ethics hours?

Yes. The 3-Hour Ethics for Insurance Agents course is designed to satisfy Pennsylvania's 3-hour ethics requirement, which applies to every licensee.

Does it include the flood insurance requirement?

Yes. Pennsylvania requires at least 2 of the 24 hours in flood insurance for licensees holding property, casualty or personal lines authority. The package includes a 3-hour flood course, so the mandate is met with an extra hour that counts as general credit.

Who is this package for?

Pennsylvania resident producers who hold both property/casualty and life/health lines of authority. If you hold only one group, the Property and Casualty or Life and Health package is the better fit.

I do not sell flood insurance. Do I still need the flood hours?

If you hold a property or casualty line of authority, the flood requirement applies whether or not you sell flood policies. Confirm your lines of authority on your license record.

Is the package online and self-paced?

Yes. Every course is 100% online and self-paced, with no classroom attendance and no scheduled sessions. Pennsylvania places no cap on online or self-study hours.

Can I log out and come back later?

Yes. You can log in and out as often as you like and your progress is saved, so you can finish one course at a time over several sittings.

When do I get my certificate?

Your certificate is emailed to you immediately when you complete each course.

Who reports my completion to Pennsylvania?

1st Choice CE reports your completions to Pennsylvania, normally within 24 hours. You do not have to file anything yourself, but you should confirm the hours appear on your own transcript.

When is my continuing education due?

At the end of your own two-year license period. Pennsylvania ties the requirement to your license period rather than to a single statewide date, so check your expiration date on your license record.

Do extra hours go to waste?

No. Pennsylvania allows you to carry forward surplus credit hours into the next license period, up to a maximum of 24 hours.

Is the 24-hour requirement split between my two license groups?

No. Pennsylvania's 24 hours is a flat total and is not divided by line of authority. That is why one 24-hour package can cover a dual-line producer, as long as the ethics and flood mandates are inside it.

Is there a money-back guarantee?

Yes. If the package is not what you needed, contact us by phone or text at 1-800-698-2770.