The purpose of this rule is to establish a procedure for the
review and approval of continuing education (CE) courses which licensed agents
must complete for the purpose of maintaining their licenses.
This rule is promulgated pursuant to the authority vested in
the superintendent under sections
3905.486 of the Revised
(1) "Classroom" means course activities or
information occurring in real time at a specific time, date and place, and
delivered in person, such as but not limited to a seminar or workshop by a
qualified instructor. Student attendance is based on personally identifiable
information (e.g., government-issued identification and signature) and student
participation or interaction with course activities. Classroom courses do not
require an examination.
"Completion Date" is the date on which the student completes the course,
including passing any required examination.
"Course" means a self-study or classroom
presentation of information on insurance and/or risk management topics,
delivered in person, in print or electronically, which may be interactive or
not, with successful completion measured by either attendance (classroom), distance learning,
or by examination
Completion Roster" means a listing of course completions, provided in a format
determined by the superintendent, which includes the provider name, provider
number, course name and course identification number, course completion date,
student's name, national producer number (NPN), number of credits earned by
each student, or any other information deemed necessary by the
Difficulty Level" is determined based on whether the course is designed for
inexperienced or experienced practitioners, as well as the amount of
information presented and at what pace the information is presented.
(a) "Basic" is a course designed for
entry-level agents or agents new to the subject matter.
(b) "Intermediate" is a course designed for
agents who have existing competence in the subject area and who seek to further
develop and apply their skills.
"Advanced" is a course designed for agents who have a strong foundation and
high level of competence in the subject matter.
(6) "Course Offering" is an approved event
with a specific start and end time.
(7) "Distance Learning" means the method of
instruction that is delivered in real time and presented by a qualified
instructor, in which the agent and instructor are in different physical
locations and interact with each other through various methods of
telecommunication, including, but not limited to video teleconference, internet
conference, virtual class or webinar. Distance learning is considered a type of
classroom course and shall not include self-study method of
means regular occurring opportunities for student participation, engagement,
and interaction with course activities and information. Examples include, but
are not limited to, question and answer sessions, entry of verification codes,
polling, games, sequencing and matching exercises.
"Proctor" means a disinterested third
party that is a minimum age of eighteen years old,
which can be any person except for family members or
individuals who have a financial interest in the student's success on the exam.
Co-workers must not be above or below in the student's line of
means the method of instruction that is delivered or presented without an
instructor and which does not require a student to attend an organized class;
but does require the passage of an examination and/or frequent interaction with
courseware as a condition of progressing through the course material.
Self-study courses can be interactive or non-interactive. Course activities or
information is delivered outside of real time (recorded or otherwise similarly
accessible) and at any time, such as but not limited to correspondence, online,
video, audio, compact disc (CD), or digital video disc (DVD). Student
attendance is verified based on identity (e.g., username, password, email, and
All requests for approval of a course must be made in the
manner prescribed by the superintendent and shall contain the following
A description of:
(a) The number of requested credit hours and
length of the course. For purposes of this rule a credit hour must provide for
no less than fifty minutes of instruction. Breaks, introductions, lunches,
announcements, or other non-instruction time is to be excluded in calculating
the credit hours requested. Each course shall be a minimum of one credit hour,
and shall be in increments of whole or one-half credit hours. No course will be
approved for more than twenty-one credit hours.
to which the course
(c) The purpose or
objective of the course and how the material offered will increase the
knowledge of insurance and related subjects for the participants.
(d) The level of course difficulty (i.e.
basic, intermediate, or advanced).
(e) The method of instruction in which the
course will be delivered or presented.
(f) The methods utilized to provide
reasonable assurance of the student's identity.
(g) The method(s) utilized to verify
student's attendance, completion, or participation of the course. The methods
utilized must be able to provide reasonable assurance of active student
(h) The criteria
used in selecting instructors. Providers must make available upon request by
any person the information about the experience and qualifications of each
The course tuition
and the provider's fee refund policy, which must conform to the requirements of
of the Administrative Code.
A detailed content outline,
which contains a description of each topic to be
covered by the course. This outline must specify the time components spent on
each topic and the description must be sufficiently detailed to justify the
request for each credit hour. The outline shall contain:
(a) The proposed time component.
(b) The specific material to be covered in
each time component.
(c) The method
of presentation employed for each component.
(d) The justification for the time allotted
to each component of the course.
(e) The time required to complete the course,
in its entirety, without interruption.
(f) The identification of any component that
includes a sales or marketing element.
(3) A description of materials to be used
during the course.
(4) A statement
as to whether an examination is required as part of the course and the minimum
pass rate needed to pass the examination.
(5) A statement as to whether the course is
part of a national insurance designation program.
(6) A statement as to whether the course is
open to the public.
(7) A copy of
the promotional brochures currently in use or proposed to be used for the
course once approved by the superintendent. All promotional material must
include the level of course difficulty (i.e. basic, intermediate, or advanced)
and any time restrictions for the completion of a course imposed upon
The name of the
authorized provider official as defined in rule
of the Administrative Code.
, and location of
course will be
, if known.
(10) If course approval is being requested
through the use of an approved multi-state form, the provider must submit the
completed form and any required attachments as noted on the form.
(11) Any other information the superintendent
Standards for review of course application
In order for a course to be approved by the superintendent as an acceptable
continuing education course, at a minimum, the course must:
(a) Be offered by an approved
(b) Use the most recent
policy forms filed in Ohio, editions, and laws to the extent
(c) Have significant
intellectual or practical content that enhances and improves the agent's
insurance knowledge or professional competence. A course should be an organized
program of learning dealing with matters directly related to insurance, the
insurance industry, professional competence, ethical obligations, insurance
office operations or management or similar subjects that will promote the
purposes of this rule.
Be given a title that is not misleading. At a minimum,
the course title may not cause an individual to believe that the course is
approved for a different course topic other than what is approved by the
(e) Meet all other
criteria set forth in this rule. (F)
The authorized provider official is
responsible for verifying that instructors meet the required minimum
qualifications. Instructors must meet one of the following qualification
Qualification one: the
instructor or speaker holds a postgraduate degree in insurance or a related
field, or has one of the following professional designations:
"Chartered Life Underwriter" (CLU);
"Chartered Financial Consultant" (ChFC);
"Fellow Life Management Institute" (FLMI);
"Life Underwriting Training Council Fellow" (LUTCF);
"Chartered Property and Casualty Underwriter" (CPCU);
"Certified Insurance Counselor" (CIC);
"Registered Health Underwriter" (RHU); or
"Registered Employee Benefit Consultant" (REBC).
Qualification two: the
instructor or speaker has four years experience as a full-time employee or
licensed agent interpreting or explaining insurance policy contracts and in
one or more of the
"Certified Employee Benefits Specialist" (CEBS);
"Certified in Long Term Care" (CLTC)
"Certified Senior Advisor" (CSA)
"Life Underwriting Training Council Graduate" (LUTC
"Fraternal Insurance Counselor" (FIC);
"Associate in Underwriting" (AU);
"Program General Insurance" (INS);
"Accredited Advisor Insurance" (AAI);
"Associate in Claims" (AIC);
"Associate in Risk Management" (ARM);
"Associate in Premium Auditing" (AIPA);
"Associate in Management" (AIM);
"Associate in Loss Control Management" (ALCM);
"Associate in Premium Auditing" (APA);
"Associate in Research and Planning" (ARP);
"Associate in Insurance Accounting and Finance" (AIAF);
"Associate in Marine Insurance Management" (AMIM);
"Associate in Automation Management" (AAM);
"Associate in Reinsurance" (ARE);
"Associate in Fidelity and Surety Bonding" (AFSB); or
Associate or bachelor degree with a specialization in
three: the instructor has seven years of relevant
provider shall verify each instructor's relevant qualifications and shall be
prepared to provide evidence of such qualifications to the superintendent upon
(3) Instructors must be
knowledgeable in the subject that they teach in a course.
(4) Instructors may receive CE credits for a
course which they teach. An instructor is only eligible to receive credit for
the same course once during a renewal cycle. The instructor may receive double
the number of credit hours which they teach.
(5) Insurance company trainers as instructors
must be full-time salaried employees of the insurance company sponsoring the
course and must have as part of their full-time responsibilities the duty to
provide insurance company training.
(6) College and university instructors may be
full-time or adjunct faculty of the accredited college or university, must be
teaching a curriculum course in his or her field of expertise, and must meet
the requirements of the association that accredits the college or
(7) Any person that has
had administrative action taken against a professional license or registration
shall disclose such action to the provider prior to instructing a course,
seminar, conference or lecture. If the provider wants to use this person as an
instructor under its authority, the provider must notify the superintendent
immediately upon receipt of such information. This person shall be ineligible
to serve as an instructor, seminar or conference leader or lecturer unless
written approval has been granted by the superintendent.
Review of application
(1) A course application shall be made on a
form prescribed by the superintendent and shall include the appropriate fee
based on the fee option selected on the provider application. The
superintendent shall review each application within thirty days of the date of
receipt of a complete application and appropriate fees. The effective date of a
course approval shall be within the superintendent's discretion.
(2) If the provider submits an initial course
or renewal application that is incomplete or if the application lacks
information deemed necessary by the superintendent, the application will be
returned with a letter indicating areas which must be addressed before the
review process will continue. If the superintendent does not receive the
requested information by the requested response date, the filing will be
considered abandoned. The course application fee is non-refundable and
will be notified in writing of the approval of each course and of the course
number assigned to it by the superintendent. A course is approved from the date
of approval until December thirty-first of the same year in which the course is
approved. The course must be renewed on an annual basis in order for the
provider to continue offering the course. An application for renewal shall be
made no later than November thirtieth each year. The superintendent shall have
thirty days to review course renewal applications.
(a) A course renewal application shall be
made on a form prescribed by the superintendent and shall include the
appropriate fee based on the fee option selected on the provider renewal
The superintendent may require a full review of courses
that have aged at least four years from initial approval or since its last full
review. A full review may include the submission of a new course application,
course outline, and other course application documents and information outlined
in this rule for initial course review. Outcome of review may result in the
issuance of a new course identification number, change to approved course
topic, or number of approved credit hours.
Any provider or
associated course whose renewal has not been
before the expiration date will automatically expire as of December
thirty-first of that renewal year. The provider may not
any course for credit until the provider and associated courses are approved by
Based upon a review of the application the superintendent may approve a course
for fewer credits than requested, and a provider shall only offer and award the
number of credit hours as approved.
Additional guidelines for self-study
A self-study course may be offered
utilizing the following formats:
course with interactive chapter or section questions. This type of interactive
on-line course has a series of questions at the end of each chapter or section
designed to test the student's subject matter knowledge of that chapter or
section. The student shall not advance to the next chapter or section until the
student has successfully answered all the questions for the previous chapter or
section. The student may review the material in order to answer a question. An
interactive on-line self-study course is not required to have a final
An interactive on-line course must be designed so as to prevent
the student from completing the course in a time unreasonably short when
compared to the credit hour total approved for the course.
(b) A non-interactive on-line course which
has a scored on-line final examination,
(c) A non-interactive on-line or paper-based
course which has a mail-in final examination, or
(d) Any type of self-study program with a
proctored final examination.
(e) Other types of self-study courses as the
superintendent may approve.
In addition to providing all other
information required pursuant to this rule, a provider shall include:
(a) For an on-line interactive course, the
number of questions that appear at the end of each chapter or section, a sample
of the questions, references from the questions back to the text if requested
by the superintendent, and a copy of the answer key for the sample questions;
(b) For a course which requires
a final examination, the number of examination questions which will appear on
the student's examination, references from the examination back to the text if
requested by the superintendent, and a copy of the examination answer key with
the application. The answer key shall indicate the total amount of credit
possible for answering each question correctly. If essay questions are employed
in the examination there must be an explanation as to how essay questions will
(3) A provider
shall require each agent to enroll and pay for the course before having access
to the course material.
provider shall prevent access to the course unit/chapter questions and final
exam before the agent reviews the course materials.
(5) A provider shall prevent downloading and
printing of any course unit/chapter question and final exam.
The following are minimum requirements
for self-study final examination and for on-line interactive chapter/section
(a) Multiple choice items must have
a minimum of four options.
Multiple choice items must have only one correct response.
(c) Multiple choice answers must be
grammatically consistent and parallel in form to eliminate obviously wrong
(d) No correct answer to
one question shall provide a clue to the correct answer to any other questions
in the chapter/section questions or final examination.
(e) Questions shall be clearly
(f) Questions shall
adequately cover the course material set out in the course outline.
(g) Answers to the questions shall not be in
a discernable pattern.
exam questions must not duplicate any unit/chapter questions.
In order to obtain credit for
a self-study course the licensee must either:
(a) Complete an interactive on-line course
having answered one hundred percent of each chapter's/section's questions
(b) Receive a grade
of seventy percent or greater on the final examination.
A final examination shall be administered
only upon completion of the self-study course and shall meet the minimum
(a) Final examinations must
consist of a minimum of ten questions for each credit hour requested.
(b) A self-study course that includes a final
examination shall have at least enough questions to fashion a minimum of two
versions with at least fifty per cent of the question being new/different in
each subsequent version.
(9) Providers offering self-study courses
must have qualified instructors available to respond to questions within
forty-eight hours by telephone or email.
conclusion of a self-study final examination, the proctor must sign an
affidavit attesting that the student completed the exam without assistance from
any person, course material, or reference material. The proctor must provide
their name, address, and phone number on the affidavit. Providers must
be able to prevent the issuance of a proctor
affidavit and student affidavit until the course and course
examination is successfully completed. Affidavits may be administered and
student shall certify that he or she completed the course and, if applicable,
the examination without assistance. If the examination is monitored, the
provider or proctor may check ID to identify students.
(12) Details on how the examination materials
are to be returned to the provider shall be included in the
Additional guidelines for distance learning courses
Distance learning must:
(a) Be conducted in real time at all
locations and require each student to log into course using a distinct
username, password, and/or email.
Be designed such that students actively
participate in the instructional process, by utilizing techniques that require
substantial student interaction with the instructor, other students, or a
computer program. The course design must not permit students to sit passively
and observe instruction or read instructional material. The provider must have
a process to determine when a student is inactive or not fully participating,
such as when the screen is minimized, or the participant does not answer the
polling questions and/or verification codes. No less than three methods of
interactive activities must be asked at unannounced intervals during each
one-hour course session to determine student attentiveness.
A provider may administer examinations to students for the
purpose of verifying participation and evaluating the effectiveness of the
distance learning course, but passage of an examination by a student shall not
be a condition for advancement to a subsequent section of the course or
successful completion of the course, unless the course is part of a national
designation program which requires the passage of an examination.
(c) Utilize only instructors who
are qualified according to Ohio's instructor guidelines pursuant to paragraph
(E) of this rule.
appropriate instructor and technical support to enable students to
satisfactorily complete the course. The provider shall maintain an electronic
roster to include records for each student's log-in/log-out times. Chat history
and interactive responses should be captured as part of the electronic
(e) Utilize procedures
that provide reasonable assurance of student identity. Provider must verify the
identity and national producer number (NPN) of all students.
Have a provider representative monitor
attendance throughout the course and that the student receiving the continuing
education credit actually performed all the work required to satisfactorily
complete the course. When a student is deemed inactive, or not fully
participating in the course, continuing education credit must be denied.
Prior to the
start of the course offering, the
provider must inform each student
in advance of course participation
course participation requirements and the consequences for failing to actively
participate in the course.
(2) The provider must provide the students
with an orientation or information package which contains all necessary
information about the course subject matter and learning objective; procedures
and requirements for satisfactory course completion, special requirements with
regard to computer hardware and software or other equipment, and the
availability of instructor or technical support.
(3) Students must be able to interact in real
time with qualified instructor(s). Students should be able to submit questions
or comments at any point during the course. A student cannot be capable of
independently completing the course.
(4) The title of the course must clearly
state that it is a distance learning course.
(5) No partial credit shall be granted for
courses approved as a distance learning course.
Organization or association meeting
A state insurance professional association or organization that
is an approved provider pursuant to rule
of the Administrative Code and that is affiliated with a national association
or organization may file a course application and roster for annual association
meetings conducted by the national association or organization.
(1) The course application must be filed
prior to the meeting.
method of attendance verification shall be determined by the
(a) No course fee shall be charged.
(b) The roster fee must be paid.
association membership credit
A local, regional, state or national professional insurance
association that is an approved provider pursuant to rule
of the Administrative Code may file a course application and roster for
association membership credit.
provider must file with the superintendent of insurance for approval of a
course number to be shown on all certificates issued for association membership
CE credit prior to any participation activity that may result in association
membership credit being offered.
The local, regional, state or national
professional insurance association must meet, at the minimum, the following
(a) Must be organized as an
association or corporation under state law;
(b) Must be based on paid memberships which
renew annually or biennially for an additional membership fee;
(c) Must be organized for the express purpose
of promoting the interests of insurance licensees or a class of insurance
(d) Local and regional
associations must have been in existence for at least seven years prior to
applying for course approval to offer association membership credit. State and
national associations must have been in existence for at least five years prior
to applying for course approval to offer association membership
(e) Must have been formed
for purposes other than providing CE credits to meet state educational
(f) Must have an
active membership base of at least one hundred fifty, individually licensed
insurance agents which are dues paying members of the association.
(g) Must submit a course application on a
form prescribed by the superintendent and shall include the appropriate fee
based on the fee option selected on the application. Course approval shall be
authorized from the date of approval until December thirty-first of the same
year in which the course is approved; and
The course must be renewed on an annual
basis in order for the provider to continue offering association membership
credit. An application for renewal shall be made no later
November thirtieth each year on a form prescribed by the superintendent and
shall include the appropriate fee based on the fee option selected on the
The method of verification of qualified participation activity shall be
determined by the provider.
association is responsible for determining if participation in a meeting,
program or affiliation qualifies for association credit and for the number of
appropriate association credits earned. If the association determines that a
requested activity does not qualify for association membership credit, the
provider shall send a letter to the licensee within ten calendar days of the
decision with an explanation as to why credit was not granted.
The provider shall submit association
membership credit requests to the superintendent on a form prescribed by the
superintendent pursuant to the submission requirements of paragraph (D)(5) in
of the Administrative Code.
If any paragraph, term, or provision of this rule is adjudged
invalid for any reason, the judgment shall not affect, impair or invalidate any
other paragraph, term or provision of this rule, but the remaining paragraphs,
terms and provisions shall be and continue in full force and effect.