DEPARTMENT OF INSURANCE

Agent Licensing - Continuing Education Information

Name	Cosgrove, Emmett Michael	DOIID	1154410	NAIC NPN	20040643

If a course you have completed is not listed below, please contact your CE Provider to validate that you have completed it properly, and it has been sent to the Kentucky Department of Insurance (DOI). All CE Courses received by DOI are posted on the web site within (3) working days. IT IS YOUR RESPONSIBILITY TO MONITOR AND VERIFY ALL CE COURSES HAVE BEEN PROPERLY FILED WITH DOI. Failure to do so may result in license expiration.

UPDATE FOR KENTUCKY RESIDENT LICENSEES AND NON-RESIDENT ADJUSTERS DESIGNATING KENTUCKY AS THEIR HOME STATE:

IF YOU ARE NEWLY LICENSED, compliance period begins after you are licensed for one full year, then you are subject to renewal based on your birth month and birth year. Example: John Doe – DOB is 4/12/1960, Licensed on 4/30/2017. Licensed from April 2017 to April 2018, birth month is April, and birth year is even-numbered year. Therefore, first license renewal (and CE) is due on 4/30/2018. Then compliance period will be due 4/30 of every even-numbered year.
Each compliance period, you must complete –

Minimum of 24 hours total continuing education credit, up to twelve (12) excess hours will be carried over to the next compliance period as 'general' hours.
Three (3) of those hours in course concentration of 'Ethics' for Agents, Independent Adjusters, and Public Adjusters,

There is no longer a 'classroom' requirement, so your courses may be completed by self-study, correspondence, or classroom.
REMINDER - Continuing Education is only HALF of your License Renewal Requirement – be sure to complete the license renewal through eServices by answering three (3) background questions, reporting any applicable background issues to DOI, and pay any applicable fees.
Agents - License renewal fees are only charged when you have no active insurer appointments. You must be appointed in Kentucky to sell, solicit and negotiate insurance for each insurer. If renewed within the 60-days following the renewal date, a penalty fee of $40 is applied for resident agents, or $50 for non-resident agents.
Adjusters’ license renewal fee is $50. If paid within the 60-days following the renewal date, a penalty fee of $50 is applied.

Agent CE Compliance Date: 12/31/2027

CE Compliance Date	Ethics Hours	Ethics Complete	LOA Hours	LOA Complete	Class Complete	Corr. Carryover	Corr Hours	Total Carryover hours	Total CE Hours	Compliant This Period
12/31/2027	0	No	0	Yes	N/A	0	0	0	0	No
12/31/2025	3	Yes	20	Yes	N/A	1	23	1	24	Yes
12/31/2023	3	Yes	22	Yes	N/A	0	25	0	25	Yes

Course #	Course Concentration	KY Provider Name	Completion Date	Method of Instruction	Credit Hours	Compliance Date
Understanding Variable Annuities:Functions,Benefit - C63203	Life / Variable	RegEd, Inc.	12/29/2025	Correspondence	4	12/31/2025
Financial Planning Principles & Processes - C00804	Life	RegEd, Inc.	12/28/2025	Correspondence	9	12/31/2025
Ethical Decision Making - C14266	Ethics	RegEd, Inc.	12/22/2025	Correspondence	3	12/31/2025
Diversification: A Strategy for Asset Pro & Growth - C54635	Life / Variable	RegEd, Inc.	12/19/2025	Correspondence	4	12/31/2025
Annuity Transactions: Ensuring Suitability 2nd Ed - C10555	Annuities and Securities	RegEd, Inc.	12/19/2025	Correspondence	3	12/31/2025
A Walk Through the Ethical Insurance Practice - C09133	Ethics	RegEd, Inc.	12/28/2023	Correspondence	3	12/31/2023
Practical Estate Planning with Insurance 4th Edit - C92534	Life and Health	RegEd, Inc.	12/21/2023	Correspondence	22	12/31/2023