A resident North Carolina accident and health producer must satisfy the biennial continuing education requirement. How many credit hours are required, and what subject must be included?

Why B is correct

11 NCAC 6A .0802(a) and G.S. 58-33-130(d) require 24 ICECs of continuing education in each biennial 24-month compliance period, of which 3 ICECs must be in ethics for life, accident and health, and other licensee categories. The 15-hour figure belongs to other states, and the flood requirement applies only to property, personal lines, and adjuster licensees under 11 NCAC 6A .0802(b).

Why the other options are wrong

• A) Fifteen credit hours is another state's requirement; North Carolina requires 24 ICECs including 3 in ethics under 11 NCAC 6A .0802(a).
• C) The 3-hour flood requirement under 11 NCAC 6A .0802(b) applies to property, personal lines, and adjuster licensees, not to accident and health producers.
• D) Twelve credit hours is not the North Carolina figure; 11 NCAC 6A .0802(a) sets 24 ICECs per biennial period.

Memory hook

24 hours every two years — 3 of them in ethics.

Why C is correct

Under 11 NCAC 6A .0802(i), a continuing education waiver is available only for military service or long-term medical disability, and the exemption runs for up to one year, with a long-term disability certified annually by a physician. The waiver is a limited-duration exception layered onto the 24-hour biennial requirement of G.S. 58-33-130 and 11 NCAC 6A .0802(a), not a permanent or multi-year release.

Why the other options are wrong

• A) The waiver is measured in years of exemption rather than being tied to a full compliance period; the maximum is one year.
• B) Three years overstates the relief; the disability certification must be renewed annually by a physician under 11 NCAC 6A .0802(i).
• D) The waiver is temporary; it does not run until retirement, and the qualifying disability must be re-certified each year.

Memory hook

Waived, not exempted forever — one year at a time, certified each year.

Why A is correct

Under 11 NCAC 6A .0802(a), together with G.S. 58-33-130, a licensee must complete 24 ICECs of continuing education in each biennial compliance period, and at least 3 of those credit hours must be in ethics. The biennial period spans 24 months, and the requirement applies to life, accident and health, and other producer licensees.

Why the other options are wrong

• B) North Carolina requires 24 credit hours per biennial period, not 15.
• C) The rule expressly mandates 3 ICECs of ethics within the 24-hour total under 11 NCAC 6A .0802(a).
• D) The biennial requirement is 24 credit hours; 12 would leave the producer noncompliant and the license subject to lapse under G.S. 58-33-130(c).

Memory hook

24 hours every two years, 3 of them ethics - no shortcuts.