Not for the basic insurance discount course; you’re free to complete that as you like. For the 3-year refresher course, you’ll need to complete that within 180 days of your discount expiration to receive an additional 5% discount, making your total discount 15%. If you don't renew within 180 days, you will lose your existing 10% discount, but you will receive a 15% discount if you retake the course anytime within 2 years of your expiration.