Insurance License Renewal in New York (2026)

Insurance license renewal in New York is handled by the New York State Department of Financial Services (DFS), which requires Insurance Producer (Agent)s to renew every 24 months. Below are the renewal deadline rule, continuing-education (CE) hours, fees, and a direct link to the official renewal page — last verified 2026-06-01. This is an unofficial guide; always confirm the details with the board before you file.

New York Insurance renewal at a glance

Renewal cycle	24 months
Deadline rule	Resident individual producer licenses are issued for a term of up to two years and expire on the licensee's birthday. Licensees born in an even-numbered year expire on their birthday in an even-numbered year; those born in an odd-numbered year expire on their birthday in an odd-numbered year. Renewal can be submitted up to 180 days before the expiration date.
CE hours required	15 hours
Renewal fee	$80.00
Online renewal	Yes
CE tracking system	NIPR
Governing body	New York State Department of Financial Services (DFS)

Go to the official New York State Department of Financial Services (DFS) renewal page →

Last verified 2026-06-01 from the New York State Department of Financial Services (DFS). automated research workflow (official new-york Department of Insurance), confidence high.

Continuing-education requirements for Insurances in New York

Per Insurance Law Section 2132, resident producers must complete 15 CE credits each licensing period once the license has been in effect more than two years. The 15 hours must include at least 1 hour of insurance law, at least 1 hour of ethics and professionalism, and at least 1 hour of diversity, inclusion and elimination of bias. Property/casualty licensees must also complete at least 1 hour of flood insurance instruction, and at least 3 hours of enhanced flood instruction if they sell NFIP flood coverage. CE must be completed before submitting the renewal application; excess credits do not carry over and a completed course cannot be repeated. (Requirements effective for licenses renewing on or after April 1, 2022.)

Need approved hours? Compare New York Insurance CE courses (some links are affiliate links).

How to renew your Insurance license in New York

Confirm your renewal deadline and current status on the New York State Department of Financial Services (DFS) portal.
Complete the required 15 CE hours and confirm they appear in NIPR.
Submit the renewal application and pay the current fee online.
Keep proof of CE and your renewal confirmation for your records.

Good to know: New York's insurance regulator is the Department of Financial Services, which absorbed the former NY Insurance Department in 2011. The $80 fee is the resident full-term fee for a life/accident & health agent/broker (one year or less is half fee, $40); property/casualty resident producer fees are structured similarly. The $10 figure is a relicensing filing fee that applies when a lapsed license (within 2 years) is reinstated and CE documentation is required, rather than a conventional per-day late penalty; a true late-renewal penalty was not published on the official pages reviewed, so treat $10 as a relicensing filing fee. Renewal applications are available online only (via the NY DFS / NY LINX portal and NIPR). Non-resident licensees are not required to complete NY CE if compliant in their home state. CE applies only after the license has been in effect more than two years.

Insurance license renewal in New York: frequently asked questions

How often do I renew my Insurance license in New York?

New York Insurance licenses renew every 24 months. Resident individual producer licenses are issued for a term of up to two years and expire on the licensee's birthday. Licensees born in an even-numbered year expire on their birthday in an even-numbered year; those born in an odd-numbered year expire on their birthday in an odd-numbered year. Renewal can be submitted up to 180 days before the expiration date.

How many CE hours are required to renew an Insurance license in New York?

Approximately 15 continuing-education hours per cycle. Per Insurance Law Section 2132, resident producers must complete 15 CE credits each licensing period once the license has been in effect more than two years. The 15 hours must include at least 1 hour of insurance law, at least 1 hour of ethics and professionalism, and at least 1 hour of diversity, inclusion and elimination of bias. Property/casualty licensees must also complete at least 1 hour of flood insurance instruction, and at least 3 hours of enhanced flood instruction if they sell NFIP flood coverage. CE must be completed before submitting the renewal application; excess credits do not carry over and a completed course cannot be repeated. (Requirements effective for licenses renewing on or after April 1, 2022.) Confirm the current requirement with the New York State Department of Financial Services (DFS).

Can I renew my New York Insurance license online?

Yes — New York offers online renewal through the New York State Department of Financial Services (DFS). Use the official link on this page.

What happens if I let my New York Insurance license expire?

Practicing on an expired license is generally prohibited and can carry penalties. A late fee of about $10 may apply. Contact the New York State Department of Financial Services (DFS) promptly if your license has lapsed.

Renew the same license in another state

All states: Insurance Producer (Agent) renewal