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State
Washington Regulations
Chapter 284-17 WAC Licensing requirements and procedures

Last Update: 5/30/06



DISPOSITIONS OF SECTIONS FORMERLY CODIFIED IN THIS CHAPTER
284-17-010 Application. [Order R-68-12, 284-17-010, filed 1/13/69.] Repealed by Order R77-4, filed 6/17/77.
284-17-020 Definitions. [Order R-68-12, 284-17-020, filed 1/13/69.] Repealed by Order R77-4, filed 6/17/77.
284-17-030 Prohibited actions. [Order R-68-12, 284-17-030, filed 1/13/69.] Repealed by Order R77-4, filed 6/17/77.
284-17-040 Filings required. [Order R-68-12, 284-17-040, filed 1/13/69.] Repealed by Order R77-4, filed 6/17/77.
284-17-045 Review not approval. [Order R-68-12, 284-17-045, filed 1/13/69.] Repealed by Order R77-4, filed 6/17/77.
284-17-050 Filing precondition to solicitation. [Order R-68-12, 284-17-050, filed 1/13/69.] Repealed by Order R77-4, filed 6/17/77.
284-17-060 Exclusions. [Order R-68-12, 284-17-060, filed 1/13/69.] Repealed by Order R77-4, filed 6/17/77.
284-17-070 Examination powers not diminished. [Order R-68-12, 284-17-070, filed 1/13/69.] Repealed by Order R77-4, filed 6/17/77.
284-17-080 Enforcement. [Order R-68-12, 284-17-080, filed 1/13/69.] Repealed by Order R77-4, filed 6/17/77.
284-17-090 Severability. [Order R-68-12, 284-17-090, filed 1/13/69.] Repealed by Order R77-4, filed 6/17/77.
284-17-100 Agent, solicitor or adjuster examination scheduling and fees. [Statutory Authority: RCW 48.02.060. 80-01-011 (Order R 79-6), 284-17-100, filed 12/12/79.] Repealed by 82-10-016 (Order R 82-2), filed 4/28/82. Statutory Authority: RCW 48.02.060.
284-17-110 Reexamination after failure to pass examination. [Statutory Authority: RCW 48.02.060. 80-01-011 (Order R 79-6), 284-17-110, filed 12/12/79.] Repealed by 82-10-016 (Order R 82-2), filed 4/28/82. Statutory Authority: RCW 48.02.060.
284-17-135 Reexamination after failure to pass. [Statutory Authority: RCW 48.02.060. 88-23-063 (Order R 88-11), 284-17-135, filed 11/16/88.] Repealed by 98-06-022 (Matter No. R 97-7), filed 2/23/98, effective 3/26/98. Statutory Authority: RCW 48.02.060 and 48.17.130.
284-17-235 Exception to the advanced approval requirement. [Statutory Authority: RCW 48.02.060. 88-01-074 (Order R 87-12), 284-17-235, filed 12/18/87, effective 3/1/88.] Repealed by 05-07-091 (Matter No. R 2004-04), filed 3/17/05, effective 4/17/05. Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040.
284-17-275 Courses not approved. [Statutory Authority: RCW 48.02.060. 89-19-037 (Order R 89-10), 284-17-275, filed 9/15/89, effective 10/16/89; 88-01-074 (Order R 87-12), 284-17-275, filed 12/18/87, effective 3/1/88.] Repealed by 05-07-091 (Matter No. R 2004-04), filed 3/17/05, effective 4/17/05. Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040.
284-17-300 Continuing education advisory committee. [Statutory Authority: RCW 48.17.150 as amended by 1979 ex.s. c 269 7,10. 80-04-042 (Order R 80-3), 284-17-300, filed 3/20/80.] Repealed by 98-09-041 (Matter R 98-01), filed 4/14/98, effective 5/15/98. Statutory Authority: RCW 48.02.060, 48.17.150, 48.44.040, 48.46.200 and 48.44.050.
284-17-400 Renewal dates for agents, brokers, solicitors and adjusters. [Statutory Authority: RCW 48.01.030, 48.02.060(3),48.14.010 , 48.17.150(2), 48.17.160 (1)(5) and 48.17.500(3). 94-14-033 (Order R 94-14), 284-17-400, filed 6/28/94, effective 7/29/94. Statutory Authority: RCW 48.02.060. 84-19-022 (Order R 84-3), 284-17-400, filed 9/12/84. Statutory Authority: RCW 48.02.060 and 1979 ex.s. c 269 10. 80-04-041 (Order R 80-4), 284-17-400, filed 3/20/80.] Repealed by 06-12-025 (Matter No. R 2005-06), filed 5/30/06, effective 6/30/06. Statutory Authority: RCW 48.02.060 (3)(a) and 48.17.150 (1)(g)(ii).
284-17-410 Appointment renewal and termination procedures for insurance agents. [Statutory Authority: RCW 48.01.030, 48.02.060(3), 48.14.010, 48.17.150(2), 48.17.160 (1)(5) and 48.17.500(3). 94-14-033 (Order R 94-14), 284-17-410, filed 6/28/94, effective 7/29/94. Statutory Authority: RCW 48.02.060. 84-19-022 (Order R 84-3), 284-17-410, filed 9/12/84. Statutory Authority: RCW 48.02.060 and 1979 ex.s. c 269 10. 80-04-041 (Order R 80-4), 284-17-410, filed 3/20/80.] Repealed by 06-12-025 (Matter No. R 2005-06), filed 5/30/06, effective 6/30/06. Statutory Authority: RCW 48.02.060 (3)(a) and 48.17.150 (1)(g)(ii).
284-17-420 Appointment, affiliation and renewal procedures for licensed persons empowered to exercise the authority conferred to a corporate or firm licensee. [Statutory Authority: RCW 48.01.030, 48.02.060(3), 48.14.010, 48.17.150(2),48.17.160 (1)(5) and 48.17.500(3). 94-14-033 (Order R 94-14), 284-17-420, filed 6/28/94, effective 7/29/94. Statutory Authority: RCW 48.02.060. 84-19-022 (Order R 84-3), 284-17-420, filed 9/12/84. Statutory Authority: RCW 48.02.060 and 1979 ex.s. c 269 10. 80-04-041 (Order R 80-4), 284-17-420, filed 3/20/80.] Repealed by 06-12-025 (Matter No. R 2005-06), filed 5/30/06, effective 6/30/06. Statutory Authority: RCW 48.02.060 (3)(a) and 48.17.150 (1)(g)(ii).
284-17-570 Implementation dates. [Statutory Authority: RCW 48.02.060. 89-14-045 (Order R 89-8), 284-17-570, filed 6/29/89. Statutory Authority: RCW 48.02.060 and 48.17.070. 89-01-055 (Order R 88-14), 284-17-570, filed 12/16/88.] Repealed by 98-11-088 (Matter No. R 98-5), filed 5/20/98, effective 6/20/98. Statutory Authority: RCW 48.02.060.



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284-17-120
Examination procedures for agents, solicitors and adjusters.
(1) The commissioner has contracted with an independent testing service for the administration of agents', solicitors', and adjusters' examinations. On and after June 1, 1982, any person desiring to take an examination for the type of license shown in subsection (2) of this section will be required to submit a registration form and the appropriate examination fee to the independent testing service. Such fee is not refundable. Registration forms and information about examinations may be obtained from the office of insurance commissioner or from the independent testing service.

(2) At least twice each month at predetermined locations, the independent testing service will conduct the examinations required for the following types of licenses:


TYPE OF LICENSE EXAMINATION(S)

REQUIRED

Life insurance agent or solicitor . . . . . . . . . . . . Life
Disability insurance agent or solicitor . . . . . . . . . . . . Disability
Life and disability agent or solicitor . . . . . . . . . . . . Life, disability
Property/casualty agent or solicitor . . . . . . . . . . . . Property, casualty
Property/casualty

and disability agent or solicitor . . . . . . . . . . . .

Property, casualty, disability
Life/disability/

property/casualty agent or solicitor . . . . . . . . . . . .

Life, disability, property, casualty
Vehicle only agent or solicitor . . . . . . . . . . . . Vehicle
Surety only agent or solicitor . . . . . . . . . . . . Surety
Credit life and disability agent

or solicitor . . . . . . . . . . . .

Credit life and disability
Independent adjuster . . . . . . . . . . . . Adjuster
Public adjuster . . . . . . . . . . . . Adjuster
Life and disability broker . . . . . . . . . . . . Life and disability
Property/casualty broker . . . . . . . . . . . . Property and casualty (Disability questions are included)

(3) If an applicant fails to take a scheduled examination, a new registration form and appropriate fees must be submitted for any later examination, unless a serious emergency prevented attendance.

(4) Tests will be graded by the independent testing service which will provide each applicant with a score report, following examination. If the examination is passed, the score report must be forwarded to the insurance commissioner with a completed insurance license application, two finger print cards, appointment form(s) for each insurer represented, the appropriate license, appointment and filing fees.



[Statutory Authority: RCW 48.01.030, 48.02.060(3), 48.14.010,48.17.150 (2), 48.17.160 (1)(5) and 48.17.500(3). 94-14-033 (Order R 94-14), 284-17-120, filed 6/28/94, effective 7/29/94. Statutory Authority: RCW 48.02.060. 88-24-054 (Order R 88-13), 284-17-120, filed 12/7/88; 84-19-022 (Order R 84-3), 284-17-120, filed 9/12/84; 82-10-016 (Order R 82-2), 284-17-120, filed 4/28/82.]




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284-17-121
Qualifications of agents of insurers authorized to transact more than one line of insurance Exceptions.
(1) Except as provided in subsection (2) of this section, applicants for agents' licenses must take and pass a qualifying examination for all those lines of insurance which the appointing insurer is authorized to transact in the state of Washington.

(2) Insurers authorized to write lines of insurance in addition to vehicle insurance or surety insurance may appoint agents to write vehicle insurance or surety insurance only, and such appointees may take a qualifying examination for vehicle insurance or surety insurance only: Provided, however, That the appointing insurers shall file with this office a written statement in which they agree to accept from such appointees only vehicle or surety insurance, as the case may be, until such time as these appointees have qualified to write additional lines of insurance and the insurers have verified such qualification.

(3) Insurers making appointments limited to vehicle insurance or surety insurance only must indicate such limitation clearly on each appointment form. In the event persons holding a license for vehicle or surety insurance only subsequently qualify for the additional lines of insurance authorized to be written by their appointing insurers, these insurers must file a new appointment form for each such agent and pay the regular appointment fee for each.

(4) This section does not apply to or affect the "limited licenses" permitted by RCW 48.17.190.



[Statutory Authority: RCW 48.01.030, 48.02.060(3), 48.14.010,48.17.150 (2), 48.17.160 (1)(5) and 48.17.500(3). 94-14-033 (Order R 94-14), 284-17-121, filed 6/28/94, effective 7/29/94. Statutory Authority: RCW 48.02.060. 90-04-060 (Order R 90-1), 284-17-121, filed 2/2/90, effective 3/5/90.]




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284-17-122
Nonresident agent, broker, or adjuster's licenses.
(1) Applicants who are not residents of Washington may be licensed as nonresident agents or brokers if:

(a) The applicant has and maintains a similar license in the state of residence for the lines of insurance defined in Washington's insurance statutes; and

(b) The state of residence reciprocates and licenses Washington's agents and brokers as nonresident agents or brokers.

(2) Applicants who are not residents of Washington may be licensed as nonresident adjusters if:

(a) The applicant has and maintains an adjuster's license in the state of residence; and

(b) The state of residence reciprocates and licenses Washington's adjusters as nonresident adjusters.

If an applicant's state of residence does not issue an adjuster's license, the applicant must pass this state's written adjuster's examination.

(3) All applicants for a nonresident license must provide written certification from the insurance department of their state of residence indicating:

(a) All currently active license(s) held by an applicant;

(b) The lines of insurance for which the agent or broker has qualified to sell; and

(c) All disciplinary actions taken against the applicant.



[Statutory Authority: RCW 48.02.060. 90-04-060 (Order R 90-1), 284-17-122, filed 2/2/90, effective 3/5/90.]




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284-17-123
Adjuster's licenses.
(1) Applicants for a resident adjuster's license may satisfy the experience or special training requirements of RCW 48.17.380(4) by employment as a "trainee" for a period of not less than six months.

(2) Each "trainee" shall be under the supervision of a resident licensed adjuster. "Trainees" shall receive training in all adjustment activities and responsibilities. Activities of the "trainee" shall be restricted to participation in factual investigation and tentative closing of losses. All adjusting transactions shall be in the name of the supervising licensed adjuster who shall review, confirm, and be responsible for all acts of the "trainee." Compensation of a "trainee" shall be on a salary basis only.

(3) Anyone employing trainees shall immediately advise the insurance commissioner by letter of such employment, giving the exact date of employment of each "trainee." The employer shall enclose an application completed by each "trainee."

(4) Trainees shall be eligible to take the adjuster's examination required by the insurance commissioner after completing six months in "trainee" status.

(5) No person shall be a "trainee" as defined herein for more than one nine-month period. A violation of this requirement or any provision of the insurance code shall subject both the trainee and their supervisory adjuster to penalties of the code.



[Statutory Authority: RCW 48.02.060. 90-04-060 (Order R 90-1), 284-17-123, filed 2/2/90, effective 3/5/90.]




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284-17-125
Prohibited acts or practices by license examinees.
The following are prohibited acts or practices:

(1) Conduct that compromises the security of insurance license examination materials, including but not limited to:

(a) Unauthorized appropriation of examination questions or materials; or

(b) Unauthorized reproduction or replication of any portion of an examination; or

(c) Aiding, by any means, the unauthorized reproduction or replication of an examination; or

(d) Providing examination questions or other examination information to any person or business engaged in preparing applicants to pass such examination; or

(e) Obtaining examination questions or materials for the purpose of furnishing the questions or materials to license applicants; or

(f) Unauthorized sale, distribution, purchase or possession of any portion of a previously administered, current, or prospective examination; or

(g) Taking or attempting to take an examination in the line of insurance for which the examinee is already qualified.

(2) Behavior that undermines the evaluative objective of the examination, including but not limited to:

(a) Communication with any other examinee during the examination period; or

(b) Copying answers or allowing another to copy answers;

(c) Possession of any books, materials, notes, or photography or recording devices not issued by the independent testing service representative;

(d) Impersonating, or engaging another to impersonate, any applicant for the purpose of completing the examination on behalf of another.



[Statutory Authority: RCW 48.02.060. 88-23-063 (Order R 88-11), 284-17-125, filed 11/16/88.]




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284-17-130
Prerequisites to admittance to examination.
As a prerequisite to admittance to any examination designed to test the examinee's qualifications to be an agent, broker, solicitor or adjuster, each applicant must certify on the form provided, that he or she:

(1) Is not taking the examination for purposes other than as the means to qualify for a license;

(2) Has not passed the examination for that line of insurance, within the previous two-year period;

(3) Has been advised that the performance of any of the acts proscribed by WAC 284-17-125 constitutes a violation of RCW 48.17.530 and 48.17.560, as well as other statutes and regulations, and subjects the offender to disciplinary action, including refusal to issue an insurance license to the offender, revocation of any insurance license held by the offender, and the imposition of a fine; and

(4) Has been advised that the unauthorized appropriation or conversion of questions or materials comprising the examination for a Washington state insurance agent's, broker's, adjuster's, or solicitor's license is a violation of federal copyright law.



[Statutory Authority: RCW 48.02.060. 88-23-063 (Order R 88-11), 284-17-130, filed 11/16/88.]




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284-17-175
Education referrals.
It shall be unlawful for any person to accept any rebate, refund, fee, commission, or discount in connection with referrals of students to an insurance education prelicense or continuing education provider, without making full disclosure to each student so referred.



[Statutory Authority: RCW 48.02.060 and 48.17.070. 89-01-055 (Order R 88-14), 284-17-175, filed 12/16/88.]




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284-17-200
What is the purpose of the continuing education regulation?
The purpose of WAC 284-17-200 through284-17-320 is to implement the provisions of RCW 48.17.150. This regulation establishes the minimum continuing education requirements that must be met prior to the renewal of an insurance agent, solicitor or broker license, and specifies minimum criteria that must be met in order to qualify insurance courses for approval.



[Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), 284-17-200, filed 3/17/05, effective 4/17/05. Statutory Authority: RCW 48.02.060. 89-19-037 (Order R 89-10), 284-17-200, filed 9/15/89, effective 10/16/89. Statutory Authority: RCW 48.17.150 as amended by 1979 ex.s. c 269 7,10. 80-04-042 (Order R 80-3), 284-17-200, filed 3/20/80.]




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284-17-210
What definitions are important throughout this chapter?
As used in this continuing education regulation, unless the context requires otherwise:

(1) "Approved course" means an educational insurance related program including correspondence courses and seminars that have been approved by OIC.

(2) "Credit hours" means the value assigned to a course by the OIC.

(3) "Certificate of completion" means a document signed by the course instructor or other responsible officer of the provider signifying satisfactory completion of the course and reflecting credit hours earned. The certificate shall be in standard format, completed in its entirety, and containing such identifying information as is prescribed by the OIC.

(4) "Course number" means the identifying number assigned by OIC for an approved course.

(5) "Course outline" includes summary content and the time allotted by topic.

(6) "Days" means calendar days including Saturday and Sunday.

(7) "Designation course" includes professional studies taken to achieve nationally recognized professional distinctions.

(8) "Instructor" means an individual knowledgeable in topic(s) of discussion.

(9) "Licensee" means an individual licensed under Title 48 RCW, as a resident insurance agent, solicitor or broker to sell life, disability, property, casualty or vehicle insurance. An individual holding a limited license to sell credit life and disability insurance, or travel insurance, or holding a license to sell surety insurance, need not satisfy the continuing education requirement.

(10) "Long-term care (LTC) special education" means education required by individual resident and nonresident agents and brokers prior to transacting long-term care insurance.

(11) "Long-term care (LTC) special education refresher course" means a condensed version of the LTC special education course.

(12) "Monitor" is an individual responsible for verifying class attendance and course content completion.

(13) "Override commission" means compensation received for the sale of insurance by a licensee who is not directly involved with a consumer.

(14) "OIC" means the Washington state office of insurance commissioner.

(15) "Provider" means any insurer, health care service contractor, health maintenance organization, professional association, educational institution created by Washington statutes, or vocational school or independent contractor to which the OIC has granted authority to conduct and certify completion of a course satisfying the insurance education requirements of resident individual agents and brokers.

(16) "Provider number" is the identifying number assigned by OIC to an approved provider of insurance education.

(17) "Refresher LTC special education" means a condensed version of the LTC special education course.

(18) "Reinstatement" means the reissuance of a license that has expired more than sixty days but less than two years from the expiration date of the previous license.

(19) "Request for approval" is a submission of information required for approval of a provider and course.

(20) "Resident" means a licensee who resides in Washington state.

(21) "Roster" is a course attendance record or course purchase and completion record maintained by the provider.

(22) "Schedule" means written notification of when a course will be offered.

(23) "Self-study" means a method of study independent of a classroom setting.

(24) "Surety" insurance includes credit insurance, bail bonds, fidelity, insurance contract performance guarantees, bonds, guarantee undertakings, and contracts of suretyship, and indemnification of banks, bankers, brokers, financial or moneyed corporations or associations against certain losses enumerated in RCW 48.11.080(5).

(25) "Transacting" means solicitation, negotiations preliminary to execution, execution of an insurance contract, transaction of matters subsequent to execution of the contract and arising out of it and insuring.

(26) "Vehicle insurance" includes insurance against loss or damage to any land vehicle or aircraft or any draft or riding animal or to property while contained therein or thereon or being loaded or unloaded therefrom, and against any liability resulting from or incident to ownership.

(27) "Waiver" means an OIC approved exemption from the continuing education requirement.



[Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), 284-17-210, filed 3/17/05, effective 4/17/05. Statutory Authority: RCW 48.02.060. 89-19-037 (Order R 89-10), 284-17-210, filed 9/15/89, effective 10/16/89; 82-10-016 (Order R 82-2), 284-17-210, filed 4/28/82. Statutory Authority: RCW 48.17.150 as amended by 1979 ex.s. c 269 7,10. 80-04-042 (Order R 80-3), 284-17-210, filed 3/20/80.]




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284-17-220
Who is required to meet continuing education (CE) requirements?
All individual resident agents, brokers and solicitors licensed to sell life, disability, property and casualty lines of insurance must meet the continuing education requirement.

Individual agents and solicitors licensed to sell vehicle insurance must meet the continuing education requirement beginning with January 1, 2007, renewals.



[Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), 284-17-220, filed 3/17/05, effective 4/17/05. Statutory Authority: RCW 48.02.060 and 48.17.150. 98-11-090 (Matter No. R 98-9), 284-17-220, filed 5/20/98, effective 6/20/98. Statutory Authority: RCW 48.02.060, 48.17.150 and 48.85.030. 97-19-007, 284-17-220, filed 9/4/97, effective 10/5/97. Statutory Authority: RCW 48.02.060, 48.17.150, 48.20.450, 48.85.030 and 48.85.040. 96-17-029 (Matter No. R 95-16), 284-17-220, filed 8/13/96, effective 9/13/96. Statutory Authority: RCW 48.01.030, 48.02.060(3), 48.14.010,48.17.150 (2), 48.17.160 (1)(5) and 48.17.500(3). 94-14-033 (Order R 94-14), 284-17-220, filed 6/28/94, effective 7/29/94. Statutory Authority: RCW 48.02.060. 89-19-037 (Order R 89-10), 284-17-220, filed 9/15/89, effective 10/16/89. Statutory Authority: RCW 48.02.060 and 48.17.150. 81-18-049 (Order R 81-5), 284-17-220, filed 8/31/81. Statutory Authority: RCW 48.17.150 as amended by 1979 ex.s. c 269 7,10. 80-04-042 (Order R 80-3), 284-17-220, filed 3/20/80.]




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284-17-222
Who is exempt from the continuing education requirements?
All individual resident agents licensed under chapter 48.17 RCW to sell credit life and disability, credit casualty, travel, and surety lines of insurance are exempt from the continuing education requirement. Resident adjusters are exempt from the continuing education requirement.



[Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), 284-17-222, filed 3/17/05, effective 4/17/05.]




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284-17-224
How many continuing education credits do I need?
Currently you are required to complete thirty-two hours of approved continuing education for each license renewal cycle. Effective January 1, 2006, you will be required to complete twenty-four hours of approved continuing education, including three hours of ethics education.



[Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), 284-17-224, filed 3/17/05, effective 4/17/05.]




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284-17-226
What is required as proof of completion of a course?
The course provider will issue you a certificate of completion within fifteen days of completion of the course. For designation courses the passing grade report will be accepted in lieu of a certificate of completion.



[Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), 284-17-226, filed 3/17/05, effective 4/17/05.]




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284-17-228
What is required for a self-study course?
The completion date for a self-study course must be reasonable in relation to the purchase date to allow for adequate time for course completion. For example, if a course is approved for twenty-four hours of continuing education credit, there must be at least three days difference between the course purchase and the completion dates. This information will be verified on the continuing education certificate issued for the course completion. It is assumed that no more than eight course hours can be completed in a single twenty-four hour period.



[Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), 284-17-228, filed 3/17/05, effective 4/17/05.]




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284-17-230
May I take any approved continuing education course?
Yes, the only required subject is three hours of ethics per renewal period.



[Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), 284-17-230, filed 3/17/05, effective 4/17/05. Statutory Authority: RCW 48.02.060. 89-19-037 (Order R 89-10), 284-17-230, filed 9/15/89, effective 10/16/89. Statutory Authority: RCW 48.17.150 as amended by 1979 ex.s. c 269 7,10. 80-04-042 (Order R 80-3), 284-17-230, filed 3/20/80.]




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284-17-232
When must I meet the continuing education requirement?
If you are a resident individual licensee with the lines of authority of life, disability, property, casualty or vehicle, you must complete the continuing education requirement as a prerequisite to renewing your license(s). Courses must be completed within the twenty-four months prior to the month of the renewal or reinstatement.



[Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), 284-17-232, filed 3/17/05, effective 4/17/05.]




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284-17-234
What happens if I am late renewing my license?
If your renewal is late, you cannot act under the license until your renewal is processed. Late fees are as follows:


Days late Surcharge
1 - 30 50% of fee
31 - 60 100% of fee

After sixty days from your expiration date, your license and all associated appointments and affiliations are terminated.

If your request and fee for license renewal is not received by the expiration date, your authority conferred by the license ends on the expiration date.



[Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), 284-17-234, filed 3/17/05, effective 4/17/05.]




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284-17-236
What happens if my renewal is received prior to expiration but is incomplete due to the submission of an invalid course(s), an incorrect fee or noncompletion of the renewal notice?
If your request and fee for license renewal is not received by the expiration date, your authority conferred by the license ends on the expiration date. If your request and fee for license renewal is received by the expiration date, you may continue to act under your license until the issuance of the renewed license or until the expiration of fifteen calendar days after you were notified that your request for renewal has been refused.



[Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), 284-17-236, filed 3/17/05, effective 4/17/05.]




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284-17-238
What happens if I do not meet the continuing education requirement?
If the continuing education requirement is not met, your license expires and is no longer valid. All appointments and affiliations will be canceled.



[Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), 284-17-238, filed 3/17/05, effective 4/17/05.]




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284-17-240
Can I reinstate my license?
(1) Yes, you may reinstate your license without retesting if no more than two years has passed since your license expired or was canceled. To reinstate you must submit the following:

(a) An application (INS-14) or your last renewal notice;

(b) Continuing education certificates for twenty-four hours of continuing education;

(c) Either an appointment or affiliation (INS-18); and

(d) The appropriate fee.

(2) After two years, you will have to take prelicensing education, and a license exam and submit a new application complete with a fingerprint card and the requisite fees.



[Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), 284-17-240, filed 3/17/05, effective 4/17/05. Statutory Authority: RCW 48.17.150 as amended by 1979 ex.s. c 269 7, 10. 80-04-042 (Order R 80-3), 284-17-240, filed 3/20/80.]




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284-17-242
How long do I have to keep the course completion certificates?
You must keep the original certificates for at least three years.



[Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), 284-17-242, filed 3/17/05, effective 4/17/05.]




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284-17-244
How do I request individual approval for my attendance of an insurance related course that is not already approved?
You may attend and request credit for completion of an insurance related course organized and conducted by an entity that is not already approved as a provider. The OIC will make an informed determination as to the educational value of the course. You must submit the following:

(1) Proof of attendance by signature of the instructor(s) or person in charge verifying licensee's attendance;

(2) Sufficient supporting materials regarding course content; and

(3) Credit hours sought.



[Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), 284-17-244, filed 3/17/05, effective 4/17/05.]




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284-17-246
Can I get continuing education credit for attending an insurance related college course?
Yes, continuing education credits are granted for college level courses on approved subjects by submitting a transcript showing completion of the course. Hours are determined as follows:

(1) Twelve hours will be assigned for each college quarter credit hour.

(2) Sixteen hours will be assigned for each college semester credit hour.



[Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), 284-17-246, filed 3/17/05, effective 4/17/05.]




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284-17-248
How long are my certificates of completion valid?
Certificates of completion are valid for twenty-four months from the course completion date.



[Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), 284-17-248, filed 3/17/05, effective 4/17/05.]




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284-17-250
Can I repeat a continuing education course?
Yes, you can repeat a course with the same course number after three years from the previous completion date.



[Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), 284-17-250, filed 3/17/05, effective 4/17/05. Statutory Authority: RCW 48.01.030, 48.02.060(3), 48.14.010, 48.17.150(2), 48.17.160 (1)(5) and 48.17.500(3). 94-14-033 (Order R 94-14), 284-17-250, filed 6/28/94, effective 7/29/94. Statutory Authority: RCW 48.02.060. 89-19-037 (Order R 89-10), 284-17-250, filed 9/15/89, effective 10/16/89. Statutory Authority: RCW 48.02.060 and 48.17.150. 81-18-049 (Order R 81-5), 284-17-250, filed 8/31/81. Statutory Authority: RCW 48.17.150 as amended by 1979 ex.s. c 269 7,10. 80-04-042 (Order R 80-3), 284-17-250, filed 3/20/80.]




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284-17-252
If I have excess hours (hours that exceed the minimum required for license renewal), can I carry them over to my next license renewal?
No, excess hours cannot be carried over to the next license renewal.



[Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), 284-17-252, filed 3/17/05, effective 4/17/05.]




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284-17-254
How can I be granted a waiver of the continuing education requirements?
If you believe good cause exists, you may request a waiver of the continuing education requirement. Requests must be in writing at time of renewal of your license and specify in detail the reason why you believe a waiver is merited.

(1) Retirement waiver. If your request for a waiver is based upon your retirement, your request must be accompanied by a statement attesting that:

(a) You are least sixty-five years of age;

(b) You are retired from selling insurance products; and

(c) You no longer represent any insurer either directly or through an affiliation with a business entity.

(2) Medical waiver. If your request for a waiver is based upon a medical condition, your request must be accompanied by a physician's statement of your illness or injury.

(3) Military waiver. If your request for a waiver is based upon activation to military service, your request must be accompanied by a copy of the "Letter of Mobilization" and your representative's (the individual given power-of-attorney by the licensee) name and address so that your license renewal notice can be sent to your representative. Your representative must sign the renewal. The renewal and fees must be returned to the OIC. The OIC may waive the continuing education requirement for renewal of your license for the duration of active military service.

A waiver is only valid up to two years from the licensee's regular license renewal date.



[Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), 284-17-254, filed 3/17/05, effective 4/17/05.]




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284-17-256
If I instruct a class, how many approved credits will I receive?
You will receive twice the amount of approved credits if you instruct the entire course.



[Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), 284-17-256, filed 3/17/05, effective 4/17/05.]




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284-17-258
What is the long-term care (LTC) special education requirement?
Resident and nonresident agents engaged in the transaction of LTC insurance or long-term care partnership (LTCP) insurance are required to take an approved six-hour course on LTC or LTCP before soliciting, selling, or otherwise transacting these types of insurance business as to such products with consumers. The four-hour refresher LTC special education course must be taken every two-year renewal period subsequent to the initial six-hour course. The OIC prescribes the content of the course. Each course must be approved by the OIC in advance.

This requirement does not apply to licensees receiving override commissions on LTC transactions if the licensee has had no contact with the consumer.



[Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), 284-17-258, filed 3/17/05, effective 4/17/05.]




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284-17-260
Who is required to complete the LTC special education requirement?
Both resident and nonresident agents who transact LTC business must complete the six-hour LTC special education course and must complete the four-hour refresher course per renewal period.



[Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), 284-17-260, filed 3/17/05, effective 4/17/05. Statutory Authority: RCW 48.01.030, 48.02.060(3), 48.14.010, 48.17.150(2), 48.17.160 (1)(5) and 48.17.500(3). 94-14-033 (Order R 94-14), 284-17-260, filed 6/28/94, effective 7/29/94. Statutory Authority: RCW 48.02.060. 89-19-037 (Order R 89-10), 284-17-260, filed 9/15/89, effective 10/16/89. Statutory Authority: RCW 48.17.150 as amended by 1979 ex.s. c 269 7,10. 80-04-042 (Order R 80-3), 284-17-260, filed 3/20/80.]




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284-17-262
Who must certify completion of the LTC special education and when is the certification due?
Each insurer that has approved LTC policies must certify yearly that all agents have completed the LTC special education prior to selling the LTC product. This certification is to be delivered to the OIC yearly on or before March 31st.



[Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), 284-17-262, filed 3/17/05, effective 4/17/05.]




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284-17-264
May I use the LTC special education course for continuing education?
If you are a resident agent and you take an LTC special education course that has also been approved for continuing education, you may use the hours toward your required twenty-four hours.



[Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), 284-17-264, filed 3/17/05, effective 4/17/05.]




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284-17-270
How do I become a provider?
To become a continuing education provider, you must meet the standard as required in RCW 48.17.563(1) and complete the provider application (form CEPROVIDER), available on the OIC web site or upon request from the OIC.



[Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), 284-17-270, filed 3/17/05, effective 4/17/05. Statutory Authority: RCW 48.02.060. 89-19-037 (Order R 89-10), 284-17-270, filed 9/15/89, effective 10/16/89. Statutory Authority: RCW 48.02.060 and 48.17.150. 81-18-049 (Order R 81-5), 284-17-270, filed 8/31/81. Statutory Authority: RCW 48.17.150 as amended by 1979 ex.s. c 269 7,10. 80-04-042 (Order R 80-3), 284-17-270, filed 3/20/80.]




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284-17-272
What are the responsibilities of an approved provider?
An approved provider is responsible for:

(1) Providing the OIC with the name of a contact person who is the responsible person for the provider;

(2) Hiring and supervising instructors who are trustworthy, competent, and knowledgeable;

(3) Providing adequate supervision over instructors;

(4) Notifying, in a format as required by OIC, the OIC with a course schedule at least ten calendar days prior to the course date;

(5) Identifying a monitor, an individual who is responsible for verification of class attendance and course content completion;

(6) Maintaining a roster, consisting of a sign-in/sign-out register for lecture courses;

(7) Maintaining a purchase and completion roster for self-study courses;

(8) Filing the roster in a format as required by OIC, within ten days;

(9) Issuing course completion certificates within fifteen days of completion of course;

(10) Maintaining records for a period of three years from completion date of the course.



[Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), 284-17-272, filed 3/17/05, effective 4/17/05.]




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284-17-274
Is there a fee to become an approved provider or for course approval?
No fee is required to become a provider or for the approval of a course.



[Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), 284-17-274, filed 3/17/05, effective 4/17/05.]




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284-17-276
Will I be issued a provider number?
Yes. You will be given a provider number that must be included on all certificates of completion.



[Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), 284-17-276, filed 3/17/05, effective 4/17/05.]




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284-17-278
How do I get a course approved?
You must submit a request for approval to the OIC prior to offering the course. This request must include the following:

(1) Lecture (classroom);

(a) Completed course approval request form;

(b) Content outline which includes topics and time;

(c) Biography or resume of instructor;

(d) Date(s) that course is to be offered.

(2) Self-study;

(a) Completed course approval request form;

(b) Study material;

(c) Sample exams.



[Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), 284-17-278, filed 3/17/05, effective 4/17/05.]




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284-17-280
What courses are eligible for approval?
(1) Courses eligible for approval to satisfy the continuing education requirement are:

(a) Courses demonstrating a direct and specific application to insurance; and

(b) Courses presenting information relevant to insurance related statutory and regulatory requirements.

(2) General education, sales, motivation, management, leadership, automation, and prelicense training courses are not eligible for approval, unless the provider can demonstrate that a substantial portion of the course relates to the business of insurance and is not solely focused on an individual insurer's product.



[Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), 284-17-280, filed 3/17/05, effective 4/17/05. Statutory Authority: RCW 48.02.060. 89-19-037 (Order R 89-10), 284-17-280, filed 9/15/89, effective 10/16/89. Statutory Authority: RCW 48.17.150 as amended by 1979 ex.s. c 269 7,10. 80-04-042 (Order R 80-3), 284-17-280, filed 3/20/80.]




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284-17-282
Will I be issued a course number?
Yes, you will be issued a course number at the time of approval of the course. This number must be included on all certificates of completion for that course.



[Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), 284-17-282, filed 3/17/05, effective 4/17/05.]




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284-17-284
What courses are specifically approved?
(Designation courses.)

(1) The following courses are approved for the maximum number of hours required per renewal period:

(a) Any part of the American College Life Underwriting Training Council (LUTC) designation program.

(b) Any part of the American College Chartered Life Underwriter (CLU) designation program and advanced study programs.

(c) Any part of the Insurance Institute of America's program of insurance.

(d) Any part of the American Institute for Chartered Property Casualty Underwriter (CPCU) designation program.

(e) Any part of the Certified Insurance Counselor (CIC) program.

(f) Any part of the Health Insurance Association of America (HIAA) designation program.

(g) Any part of the Certified Employee Benefit Specialist (CEBS) designation program.

(h) Any part of the Life Office Management Association (FLMI) designation program.

Changes in the above identified courses are presumed to be approved by the OIC unless the sponsoring organization is advised of disapproval.

(2) The OIC may approve additional designation courses of similar substance.



[Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), 284-17-284, filed 3/17/05, effective 4/17/05.]




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284-17-286
How are credit hours assigned to a course?
The number of credit hours assigned to a course will normally be based upon the number of classroom hours or their equivalent for self-study correspondence courses. However, the number of credit hours assigned may be less than the total amount of time spent by the licensee in the course, based upon an evaluation of the course content. No course will be approved for less than one hour of continuing education credit.



[Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), 284-17-286, filed 3/17/05, effective 4/17/05.]




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284-17-288
What attendance records must the provider maintain?
The provider of a course must maintain an attendance record. This would consist of a sign-in/sign-out register for lecture courses and purchase and completion records for self-study courses.



[Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), 284-17-288, filed 3/17/05, effective 4/17/05.]




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284-17-290
How long must the provider maintain the attendance or purchase and completion records?
The provider must retain such registers, or any other evidence of satisfactory completion, for a period of three years from the date of course completion. The records may be retained in an electronic format.



[Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), 284-17-290, filed 3/17/05, effective 4/17/05. Statutory Authority: RCW 48.01.030, 48.02.060(3), 48.14.010, 48.17.150(2), 48.17.160 (1)(5) and 48.17.500(3). 94-14-033 (Order R 94-14), 284-17-290, filed 6/28/94, effective 7/29/94. Statutory Authority: RCW 48.02.060. 89-19-037 (Order R 89-10), 284-17-290, filed 9/15/89, effective 10/16/89. Statutory Authority: RCW 48.17.150 as amended by 1979 ex.s. c 269 7,10. 80-04-042 (Order R 80-3), 284-17-290, filed 3/20/80.]




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284-17-292
What must be included on a certificate of completion?
The certificate of completion must be in the form specified by OIC and include the following:

(1) Name of student;

(2) Course title and number;

(3) Date of purchase of course, if applicable;

(4) Date of completion;(5) Number of credit hours; (continued)