5 HRs Life Insurance Products and Retirement Planning - Connecticut

5 HRs Life Insurance Products and Retirement Planning - Connecticut

✅ Approved by Connecticut Insurance Department | Provider #500032042 | Course #6000225060 | Only $15.99 | Instant Emailed Certificate | 100% Online & Self-Paced

Earn 5 approved hours toward your Connecticut insurance licence continuing education with a course approved by the Connecticut Insurance Department for only $15.99. The hours apply to the 24 credit hours Connecticut requires in each two-year licence period, and you can enrol online and work through the course on your own schedule.

The course is 100% online and self-paced. Connecticut places no cap on self-study, so all 5 hours count in full. Log in and out as often as you need without losing progress. Your certificate is emailed the moment you finish, and 1st Choice CE reports your completion to the Connecticut Insurance Department.

✅ Course Details

• Course name: 5 HRs Life Insurance Products and Retirement Planning
• Approved by: Connecticut Insurance Department
• Provider number: 500032042
• Course number: 6000225060
• Course length: 5 hours
• Course category: Life & Health
• Course format: 100% online, self-paced
• Price: $15.99 — no added or hidden fees
• Certificate: emailed immediately after completion
• Reporting: 1st Choice CE reports your completion to the Connecticut Insurance Department
• Page URL: https://1stchoice-ce.com/courses/checkout/connecticut/5-hrs-life-insurance-retirement-connecticut/
• Support: call or text 1-800-698-2770

✅ Who Should Take This Course?

• Licensed life and annuity agents and producers
• Agents who compare permanent and term designs for clients
• Producers who position annuities inside a retirement income plan
• Agents who present policy illustrations and need to explain them accurately
• Producers who handle replacements and 1035 exchanges
• Agents who need life and health credit toward Connecticut's renewal total

✅ Does This Course Satisfy the State Requirement?

This course provides 5 approved hours toward the 24 credit hours a Connecticut resident producer must complete in each two-year licence period. It does not satisfy the requirement on its own, and it is general credit – it does not count toward the 3 hours of Laws, Regulations and Ethics (LRE) that Connecticut also requires.

Connecticut places no cap on self-study or online hours, so all 5 hours count in full. After this course you will need the balance of your 24 hours, including the 3-hour Laws, Regulations and Ethics (LRE) requirement, from separately approved courses.

✅ Connecticut Continuing Education Requirements

Connecticut requires 24 hours of approved continuing education in each two-year licence period, and 3 of those 24 must be in Laws, Regulations and Ethics – the category Connecticut abbreviates as LRE. The LRE hours sit inside the 24 rather than on top of them. A producer may generally take courses in any line of authority, although the Department recommends taking them in the lines you actually write.

• 24 credit hours of approved continuing education in each two-year period
• 3 of the 24 must be Laws, Regulations and Ethics (LRE) credit
• Licences renew by the last day of your birth month, every two years
• No cap on self-study or online hours – all 24 may be completed online
• Up to 24 hours may be carried forward into the next period; surplus LRE credit carries as general credit
• The same course cannot be repeated for credit inside one renewal period

Connecticut also carries three separate product-training gates that sit outside the general 24. Selling Partnership long-term care products requires the one-time Long-Term Care Partnership training. Selling annuities requires a state-approved 4-hour annuity suitability course. And as of 15 April 2026 newly licensed Property & Casualty and Personal Lines producers must complete a one-time 3-hour NFIP flood course. Nonresident producers, adjusters, and licensees holding only credit, travel accident or surety bail bond authority are exempt from the 24-hour requirement.

How this course helps: This 5-hour course contributes 5 of the 24 credit hours required in each two-year licence period. It is general credit, so it does not count toward the 3-hour Laws, Regulations and Ethics (LRE) requirement. The balance of your 24 hours must be completed separately.

✅ When Do Licensees Renew?

Connecticut producer licences renew every two years, by the last day of your birth month. The cycle is tied to your birthday rather than to a fixed statewide date, so two producers in the same agency can have different deadlines. Confirm your own date on your licence record rather than assuming, and remember that continuing education has to be complete and reported before you renew – being CE-compliant and paying the renewal fee are two separate steps.

✅ How to Renew Your Connecticut License

1. Confirm your renewal date and the lines of authority on your licence. Your date is the last day of your birth month, every second year.
2. Work out what you still owe: 24 hours in total, of which 3 must be Laws, Regulations and Ethics.
3. Check whether any product-training gate applies to you – annuity suitability, Long-Term Care Partnership, or the one-time NFIP flood course required of newly licensed Property & Casualty and Personal Lines producers since 15 April 2026.
4. Complete your hours from courses individually approved in Connecticut. Approval in another state does not carry over.
5. Allow reporting time before your deadline. 1st Choice CE reports your completion to the Department; do not leave it to the final days.
6. Check your transcript and confirm the LRE hours posted in the LRE category rather than as general credit.
7. Renew your licence and confirm it shows active with an updated expiration date.

Carryover is generous in Connecticut by comparison with most states – up to 24 hours move forward into the next period – but surplus LRE credit carries as general credit only, so it will not pre-satisfy the next period's 3-hour LRE requirement. A course cannot be repeated for credit inside the same renewal period.

✅ What You Will Learn

• Compare term, whole life and universal life designs on cost, guarantees and flexibility
• Explain cash value, dividends and nonforfeiture options without overstating guarantees
• Distinguish fixed, indexed and variable annuities and the risk each transfers
• Apply the tax rules that govern death benefits, cash value growth and 1035 exchanges
• Read an illustration and identify the assumptions that create lapse risk
• Handle beneficiary designations and replacements to the required standard

✅ Course Content Overview

Hour 1 – Life Insurance Foundations and Product Fit in Retirement Planning

Core life insurance concepts including insurable interest, underwriting classification and the contract provisions common to every policy. Covers term life policy design and its conversion privileges, an overview of the permanent product families, and the needs analysis and suitability basics that determine which product genuinely fits a client's retirement plan.

Hour 2 – Permanent Life Insurance Features, Policy Performance and Client Expectations

Whole life policy components including guaranteed cash value, dividends and paid-up additions, and the universal life variations from current assumption through indexed and variable designs. Covers riders and benefit enhancements, and how to read policy illustrations, test performance assumptions and explain lapse risk before a client relies on the numbers.

Hour 3 – Annuity Products Beyond the Basics and Their Role in Retirement Income

Annuity fundamentals and the accumulation-to-distribution structure. Covers fixed, indexed and variable contracts and their risk profiles, the distribution options and guaranteed income features clients buy them for, and the contract costs and constraints — surrender periods, market value adjustments and rider charges — that shape the real outcome.

Hour 4 – Taxation and Retirement Planning Integration for Life Insurance and Annuities

Tax basics for life insurance, including the income tax treatment of the death benefit, cash value growth, policy loans and modified endowment contract status. Covers annuity taxation concepts, how both products integrate with the rest of a retirement plan, and the exchange and repositioning rules that apply when coverage is restructured.

Hour 5 – Estate Planning Uses, Policy Replacement Standards and Compliance Expectations

Beneficiary designations and ownership structures, and the consequences of getting either wrong. Covers life insurance in estate and business planning, the replacement and exchange risks that trigger heightened disclosure, and the compliance and documentation standards that support the recommendation if it is ever questioned.

✅ Other Connecticut Insurance CE Courses & Packages

Save with a package – everything in one purchase:

• 24-Hour Life and Health CE Package - Connecticut – $79.99
• 24-Hour Property and Casualty CE Package - Connecticut – $79.99

Individual Connecticut insurance CE courses:

• 3 Hour Ethics for Insurance Agents - Connecticut – $15.99
• 3 HRs Emerging Risks and Specialty Coverages - Connecticut – $15.99
• 3 Hrs Insurance Fraud and Claims Handling (P&C Focus) - Connecticut – $15.99
• 3-Hour Flood Insurance (NFIP) - Connecticut – $15.99
• 4 HRs Commercial Lines Insurance Essentials - Connecticut – $15.99
• 4 HRs Health Insurance and Affordable Care Act Updates - Connecticut – $15.99
• 4 HRs Homeowners Insurance Overview - Connecticut – $15.99
• 4 Hrs Long-Term Care Insurance Partnership Training - Connecticut – $15.99
• 4 HRs Medicare Advantage and Part D Update - Connecticut – $15.99
• 4 HRs Personal Auto and Umbrella Insurance - Connecticut – $15.99
• 4-Hour Annuity Best Interest/Suitability - Insurance Agent CE - Connecticut – $15.99

All courses are Connecticut-approved, 100% online and self-paced, with your certificate emailed as soon as you finish. Questions? Call or text 1-800-698-2770.

✅ Why Choose 1st Choice CE?

• Approved provider and approved course in Connecticut
• Affordable at $15.99
• 100% online and self-paced
• Log in and out anytime without losing progress
• Instant emailed certificate
• We report your completion for you
• Money-back guarantee
• Over 10 years of continuing education experience
• Support by phone or text at 1-800-698-2770

✅ Enroll Now

Enroll in 5 HRs Life Insurance Products and Retirement Planning for $15.99 and complete your 5 approved hours online, on your schedule. Questions before you buy? Call or text 1-800-698-2770.