State RegulationsMI specificDifficulty 3/5
A Michigan producer completes more than the required continuing education hours in a 2-year period. What does the Michigan Insurance Code provide about carrying the excess into the next period?
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
M.C.L. 500.1204c allows a producer to carry over up to 12 excess continuing education hours into the next 2-year period, but ethics hours do not carry over as ethics credit and a course may not be counted twice. Excess ethics hours are only useful as ethics credit in the period in which they are completed.
Why the other options are wrong
- A) 24 is the total per-period requirement, not the carryover cap, and ethics hours never carry over as ethics.
- B) The 12-hour carryover is correct, but M.C.L. 500.1204c provides that ethics hours do not carry over as ethics.
- D) The Code expressly permits up to 12 hours to carry over to the next period.
Memory hook
Only 12 hours travel forward, and ethics never travels as ethics.