License term: two years, ending on the last day of the month in which the license was first issued, two years later (§1630).

Renewal notice: the Commissioner may send a renewal application at least 60 days before expiration, but renewing is your responsibility whether or not you get a notice (§1718(a)).

On-time renewal: file on or before the expiration date. If you filed on time and finished all CE, you may keep working for up to 60 days after the expiration date while the department processes it (§1720).

Late renewal: an expired license can be renewed for up to one year after expiration by paying the renewal fee plus a delinquent fee (§1718(c)).

Continuing education: a life agent must complete 24 hours every two-year license term, including 3 hours of ethics; the ethics course includes 1 hour on insurance fraud (§1749.33). Agents who sell annuities also need 8 hours of annuity training before soliciting and 4 hours before each renewal, which counts toward the 24 (§1749.8).

Address change: notify the Commissioner immediately through the approved electronic service (§1729).

Background changes: report in writing within 30 days of learning of a change, such as a misdemeanor or felony conviction, felony charges filed, or an administrative action against a professional license (§1729.2).

Inactive license: if all insurer appointments end, the license is not cancelled; it becomes inactive and can still be renewed (§1704(b)).