How many continuing education credits must a New York life, accident and health licensee complete during each biennial licensing period under N.Y. Ins. Law §2132(c)(1)?

Why D is correct

Under N.Y. Ins. Law §2132(c)(1), every licensee must complete 15 continuing education credits in each biennial (two-year) licensing period, along with a modest CE filing fee per license under §2132(j). Compliance is a condition of renewal, so producers should track their credits well before the period ends rather than scrambling at renewal time.

Why the other options are wrong

• A) 10 credits falls short - the statutory requirement is 15 credits per biennial period.
• B) 30 credits overstates the requirement; New York requires 15 credits per biennial period.
• C) 45 credits is far above the requirement; the correct figure is 15 credits per biennial period.

Memory hook

15 credits every 2 years - that's the whole CE story in New York.

Why A is correct

Under N.Y. Ins. Law §2132(c)(1), a licensee must complete 15 continuing education credits in each biennial licensing period, with a filing fee payable per license under §2132(j). New York has a single flat requirement - there are no tiered hour schedules based on experience or license type.

Why the other options are wrong

• B) Higher tiered hour totals are not New York law; the flat requirement is 15 credits per biennial period.
• C) Credits are counted over the two-year licensing period, not year by year.
• D) The New York licensing period is biennial, so no three-year accumulation cycle exists.

Memory hook

New York CE = 15 credits every 2 years, flat - no tiers, no annual counts.