3 HRs Applied Insurance Ethics: Decision-Making, Disclosure and Discipline - Colorado

3 HRs Applied Insurance Ethics: Decision-Making, Disclosure and Discipline - Colorado

✅ Approved by the Colorado Division of Insurance | Provider #236323 | Course #67960 | Only $15.99 | Instant Emailed Certificate | 100% Online & Self-Paced

Satisfy Colorado's required 3 ethics hours with a course the Colorado Division of Insurance approved in the Ethics category, for $15.99. Colorado requires at least 3 of its 24 biennial credit hours to be ethics courses, and this course is approved to fill that requirement in full.

The course is fully online and self-paced, so you can log in and out without losing your progress. After you complete the content and pass the 40-question final examination at 70% or better, your certificate is emailed to you and we report your completion to Colorado through Sircon.

✅ Course Details

• Course Name: 3 HRs Applied Insurance Ethics: Decision-Making, Disclosure and Discipline - Colorado
• Approved By: Colorado Division of Insurance
• Provider Number: 236323
• Course Number: 67960
• Credit Category: Ethics
• Course Length: 3 credit hours
• Approval Period: 11-05-2026 through 11-30-2029
• Course Format: Self-study, 100% online and self-paced
• Price: $15.99
• Final Examination: 40 questions, 70% to pass (28 of 40), retakes permitted
• Certificate: Emailed immediately on completion
• Reporting: We report your completion to Colorado through Sircon
• Support: 1-800-698-2770

✅ Who Should Take This Course?

• Colorado licensed insurance producers of every line of authority
• Producers who need Colorado's required 3 ethics hours
• Producers who completed a different ethics course in the last two years and need a second option
• Producers who handle compensation disclosure and conflicts of interest
• Agency owners and managers responsible for producer conduct standards
• Producers who want to understand how regulatory discipline actually proceeds

✅ Does This Course Satisfy the State Requirement?

This course is designed to satisfy Colorado's 3-hour ethics requirement in full, and it provides 3 of the 24 credit hours required biennially.

It does not complete the 24-hour total by itself, and because it is approved in the Ethics category rather than a line-of-authority category, these 3 hours do not count toward Colorado's separate 18-hour minimum for courses in the type of license held. Plan the remaining 21 hours accordingly, with at least 18 of them in your own license type.

✅ Colorado Continuing Education Requirements

Colorado licensed insurance producers complete continuing education on a two-year cycle. Colorado Division of Insurance Regulation 1-2-4 (3 CCR 702-1), Section 5.A, requires 24 credit hours of approved courses biennially after a producer's initial renewal, and it allocates those hours in two ways that matter when you choose courses:

• At least 3 of the 24 hours must be courses in ethics.
• At least 18 of the 24 credit hours must be in approved courses for the type of license you hold. This is the requirement most producers overlook. Hours approved in a category outside your license type still count toward the 24 total, but they do not fill the 18-hour line-of-authority minimum.

Two further rules affect planning. Under Section 5.A.2 you may not repeat the same approved course within a two-year period and count it again toward your required hours, although courses dealing with statutory updates are excepted. And carryover is limited: no more than 12 hours earned beyond the required 24, and only hours earned during the 120 days before your licensing continuation date, may be carried into the next period.

Colorado self-study courses must include an examination. Course sponsors file completion records with the Continuing Education Administrator, Pearson VUE, through Sircon, and you are responsible for keeping your own completion records for five years.

How this course helps: This 3-hour course is designed to satisfy Colorado's 3-hour ethics requirement in full and contributes 3 of the 24 required credit hours. Because it is approved in the Ethics category, it does not count toward the 18-hour line-of-authority minimum, so at least 18 of your remaining 21 hours should be in courses approved for the license type you hold.

✅ When Do Colorado Producers Renew?

Colorado producer licenses continue on a two-year cycle, and your continuing education must be complete before the Division will approve the renewal. The renewal window opens 90 days before your license expiration date and runs through that date.

Colorado does not publish a single statewide renewal date, so the date that governs you is the expiration date on your own license record. Check it on your license record or your renewal notice rather than assuming a common date. There is no late-renewal path through NIPR for resident producers: a license that expires has to be addressed directly with the Division, and reinstatement without repeating prelicensing education and the examination is generally available only within one year of expiration.

✅ How to Renew Your Colorado License

1. Confirm your exact license type, status and expiration date on your official license record, and note how many hours you still owe.
2. Complete the full 24 credit hours, including at least 3 ethics hours and at least 18 hours in approved courses for your license type, before your continuation date.
3. Allow time for reporting. We report your completion to Colorado through Sircon, and the state's compliance status can take up to roughly 72 hours to update after the hours post.
4. Check your Colorado CE transcript and confirm the hours and categories posted the way you expect before you start the renewal.
5. Submit your renewal electronically through NIPR's resident license renewal application during the 90-day window, and renew every line of authority you intend to keep in that single transaction.
6. Pay the official renewal fee. Colorado's fee is $27 for all lines of authority other than Surplus Lines.
7. Save your receipt and confirm afterward that your license record shows an active status and an updated expiration date.

✅ What You Will Learn

• Apply a usable ethical test when the written rule does not decide the question
• Recognize the legal-but-unethical category and why conduct migrates from it toward the illegal
• Handle compensation, incentives and conflicts of interest with appropriate disclosure
• Document the reasoning behind a recommendation so it survives later review
• Describe how regulatory discipline proceeds and what it costs a producer and an agency
• Identify the recordkeeping that defeats a complaint before it becomes an action

✅ Course Content Overview

• Hour 1: Ethical Reasoning When the Rule Does Not Decide the Question
• Hour 2: Compensation, Incentives, and the Ethics of Disclosure
• Hour 3: Regulatory Discipline, Enforcement, and the Cost of Getting It Wrong

✅ Other Related Colorado Courses

• 4 HRs Annuity Products, Taxation, Disclosure and Replacement - Colorado – $15.99

✅ Why Choose 1st Choice CE?

• Approved by the Colorado Division of Insurance
• Affordable flat price
• 100% online and self-paced
• Log in and out anytime without losing your progress
• Instant emailed certificate when you finish
• We report your completion to Colorado
• Money-back guarantee
• Over 10 years of continuing education experience
• Support by phone or text at 1-800-698-2770

✅ Enroll Now

Enroll online and start today for $15.99. Questions? Call or text us at 1-800-698-2770.

Enroll in 3 HRs Applied Insurance Ethics: Decision-Making, Disclosure and Discipline - Colorado