Missouri and North Dakota Insurance CE Online: State-Approved, Bilingual Ethics, Annuity, and Long-Term Care Courses

Both states tie continuing education to license renewal, but the totals differ. Missouri requires 16 hours of continuing education per two-year licensing period, including 3 hours covering ethics, Missouri law, and producer duties (RSMo 375.020; 20 CSR 700-3.200). North Dakota requires 24 hours per two-year license term, including 3 hours of ethics, and North Dakota's ethics hours may not be carried forward (N.D.C.C. ch. 26.1-26.6 / N.D. Admin. Code art. 45-02).

On top of the general CE total, both states require subject-specific training before a producer sells certain products. A one-time annuity best-interest training is required before selling, soliciting, or negotiating annuities, and long-term care insurance requires an 8-hour initial training plus 4 hours of ongoing LTC training in each 24-month period. National Course Portal's catalog maps directly to those buckets so producers can complete the exact hours they owe.

National Course Portal is approved in both states under separate provider numbers - Missouri Provider #500033124 and North Dakota Provider #500033123, both approved on 2026-06-23 - and the same four course families run in each state. Every course includes lesson knowledge checks, a final exam at 70% passing, a certificate, and CE reported to the state through the NAIC State Based Systems (SBS).

The major national CE catalogs - Kaplan, WebCE, QuestCE, A.D. Banker, Xcel Solutions, All Lines Training - all deliver these Missouri and North Dakota courses in English only. National Course Portal is the only fully bilingual (English/Spanish) option in either state, with full translation across every lesson, knowledge check, and final exam.

For a producer who learns and tests more confidently in Spanish, that is not a convenience feature - it is the difference between guessing at exam wording and actually understanding the best-interest obligations or the LTC Partnership asset disregard. The Spanish track is a complete parallel of the English course, not a summary.

Each course is priced just below the comparable national offerings while including unlimited practice, the final exam, the certificate, and state CE reporting through SBS. The Missouri ethics module is $21.99 against roughly $22-$25 elsewhere; the annuity training is $29.99 against $30-$35; and the 8-hour LTC initial is $44.99 against $45-$55 at the larger catalogs.

Price is only part of the comparison. Producers should also confirm approval status and provider number, that credit hours match the requirement they actually owe, that the course reports completions to the correct state, and - uniquely here - whether the course is available in their preferred language.

Completing an approved course satisfies the corresponding CE hours; it does not by itself renew a license. Producers are still responsible for completing their full biennial hour total, meeting any product-specific training prerequisites before selling, paying state renewal fees, and tracking their own renewal deadline. North Dakota producers should also note the provider authorization runs to 2027-03-31, so plan renewals before April 1, 2027.

Completion and CE credit are reported to the state through NAIC SBS, but acceptance toward a renewal is ultimately governed by the Department's records. After finishing, verify your CE transcript with the Missouri Department of Commerce and Insurance or the North Dakota Insurance Department, and keep the certificate with your licensing file.