5 HRs Life Insurance Products and Retirement Planning - Georgia

✅ Approved by Georgia Office of Insurance and Safety Fire Commissioner | Provider #243388 | Course #75225 | Only $15.99 | Instant Emailed Certificate | 100% Online & Self-Paced

Earn 5 approved continuing education hours toward your Georgia insurance producer renewal with a course approved by the Georgia Office of Insurance and Safety Fire Commissioner for only $15.99. The course is fully online and self-paced, so you can enroll and work through it on your own schedule.

Log in and out as often as you like without losing your progress. When you finish, your certificate is emailed to you immediately, and 1st Choice CE reports approved completions to Georgia — there are no ancillary or per-student fees, the $15.99 is the total. Every course is backed by our money-back guarantee, and support is available by phone or text at 1-800-698-2770.

✅ Course Details

• Course Name: 5 HRs Life Insurance Products and Retirement Planning - Georgia
• Approved By: Georgia Office of Insurance and Safety Fire Commissioner
• Provider Number: 243388
• Course Number: 75225
• Course Length: 5 credit hours
• Course Category: Life
• Course Format: 100% online, self-paced
• Price: $15.99
• Certificate: Emailed immediately upon completion
• Reporting: 1st Choice CE reports approved completions to Georgia
• Support: Phone or text 1-800-698-2770

✅ Who Should Take This Course?

• Georgia licensed resident insurance producers renewing a license with life authority
• Producers who need 5 approved hours toward the 24-hour Georgia requirement
• Agents who want current, practical life insurance & retirement ce knowledge, not filler credit
• New producers building a working foundation in this coverage area
• Experienced agents refreshing before a renewal deadline
• Agency staff who support producers and want the same technical grounding

✅ Does This Course Satisfy the State Requirement?

This course provides 5 approved credit hours toward the 24-hour Georgia continuing education requirement. It does not by itself satisfy the full renewal requirement, and it does not satisfy the 3-hour ethics requirement.

✅ Georgia Continuing Education Requirements

Georgia resident insurance producers complete 24 hours of approved continuing education during each two-year renewal cycle, and 3 of those hours must be in ethics. Continuing education is due on or before the last day of the licensee's birth month in the renewal year. Georgia does not cap self-study, so an approved online course may be used for any portion of the 24 hours, and Georgia charges no per-credit-hour reporting fee — the price you see is the price you pay.

• 24 hours of approved continuing education per two-year renewal cycle
• 3 of those 24 hours must be in ethics
• Licensees with 20 or more years of service complete 20 hours, still including 3 ethics hours
• No self-study cap — approved online courses may be used for the full requirement
• Carryover is allowed up to 50% of the biennial requirement. Ethics hours may carry over as general credit but cannot satisfy a future ethics requirement — ethics must be completed every renewal period
• Producers who sell long-term care partnership products complete a one-time 8-hour initial training before selling, then ongoing training each cycle
• Limited subagent and credit insurance licensees complete 10 hours with no ethics requirement; workers' compensation adjusters complete 20 hours through the State Board of Workers' Compensation
• Licensees holding certain professional designations, and non-active licensees, may qualify for a reduced requirement on documentation

How this course helps: This 5-hour course provides 5 approved credit hours toward the 24 hours Georgia requires each two-year cycle. It applies as life credit and does not satisfy the separate 3-hour ethics requirement, so at least 19 additional hours — including your 3 ethics hours — must be completed separately.

✅ When Do Licensees Renew?

Georgia insurance producer licenses renew on a two-year cycle, and continuing education is due on or before the last day of your birth month in the renewal year. Because the cycle is anchored to your birth month rather than the date the license was issued, a first term can run longer or shorter than a full 24 months — confirm the exact date on your license record instead of calculating it.

There is no grace period that extends the continuing education deadline. If a license is inactivated for failure to renew or for being out of CE compliance, Georgia allows an application to reinstate within twelve months of the inactivation date, which requires the reinstatement fee, a late fee, completion of any outstanding continuing education, and fingerprinting if the license has been inactive for more than six months.

✅ How to Renew Your License

Step 1: Confirm your license type and expiration date

Sign in to the Georgia licensing portal at sircon.com/georgia and check your license record. Your continuing education is due on or before the last day of your birth month in the renewal year.

Step 2: Review your continuing education transcript

Check how many of your 24 hours are already posted for the current cycle, and confirm whether your 3 ethics hours are among them.

Step 3: Complete 24 hours, including 3 hours of ethics

Only courses approved by the Georgia Office of Insurance and Safety Fire Commissioner count. If you have 20 or more years of service, your total is 20 hours, still including the 3 ethics hours.

Step 4: Allow time for the completion to post

1st Choice CE reports approved completions to Georgia. Finish early enough that the credit appears on your transcript before your deadline rather than on the last day.

Step 5: Verify the credits posted correctly

View your transcript again and confirm each course shows with the right hour count and the right category — particularly the ethics course.

Step 6: Submit the renewal and pay the fee

Renew through the Georgia licensing portal at sircon.com/georgia and pay the state's renewal fee. Finishing your continuing education is not the same as renewing the license; both have to happen.

Step 7: Confirm the license shows active

Save your receipt and check that your license record shows an active status with an updated expiration date. If a license is inactivated for failure to renew or for a CE shortfall, Georgia allows reinstatement within twelve months of the inactivation date, with a reinstatement fee, a late fee, any outstanding CE, and fingerprinting if the license has been inactive more than six months.

✅ What You Will Learn

• How term, whole, universal, indexed and variable life differ in cost and guarantees
• Policy mechanics: cash value, cost of insurance, surrender charges and lapse risk
• Needs analysis methods for determining an appropriate face amount
• How annuities generate retirement income and what each type guarantees
• Tax treatment of death benefits, cash value, loans and annuity distributions
• Suitability and best-interest duties when recommending life and annuity products

✅ Course Content Overview

Hour 1 – Life Insurance Fundamentals

Insurable interest, underwriting and risk classification, the application and policy delivery process, the incontestability and suicide clauses, and the standard policy provisions and nonforfeiture options.

Hour 2 – Term and Permanent Products

Level, decreasing and annual renewable term; conversion privileges; whole life guarantees and dividends; and how permanent coverage builds cash value.

Hour 3 – Universal, Indexed and Variable Products

Flexible premium mechanics, the cost of insurance drag, secondary guarantees, indexed crediting with caps, participation rates and floors, and the securities-registered nature of variable products.

Hour 4 – Annuities and Retirement Income

Fixed, indexed and variable annuities; accumulation and payout phases; annuitization options; guaranteed lifetime withdrawal benefits; surrender charge schedules; and free withdrawal provisions.

Hour 5 – Taxation, Suitability and Best Interest

Income-tax-free death benefits, inside buildup, policy loans, modified endowment contracts, annuity exclusion ratios, required minimum distributions, and the suitability and best-interest standards that govern recommendations.

✅ Other Related Courses

• 4 HRs Medicare Advantage and Part D Update – $15.99
• 4 HRs Health Insurance and Affordable Care Act Updates – $15.99
• 3 HRs Emerging Risks and Specialty Coverages – $15.99
• 4 HRs Personal Auto and Umbrella Insurance – $15.99
• 3 Hrs Insurance Fraud and Claims Handling (P&C Focus) – $15.99
• 4 HRs Commercial Lines Insurance Essentials – $15.99
• 4 HRs Homeowners Insurance Overview – $15.99
• 8 Hours Initial Long-Term Care Insurance Partnership Training – $29.99
• 3 Hour Ethics for Insurance Agents – $12.99
• 3-Hour Flood Insurance (NFIP) – $12.99
• 4 Hrs Ongoing Long-Term Care Insurance Partnership Training – $12.99
• 4-Hour Annuity Best Interest /Suitability Insurance Agent CE – $12.99

✅ Why Choose 1st Choice CE?

• Approved by the Georgia Office of Insurance and Safety Fire Commissioner — provider #243388
• Affordable at $15.99 with no hidden fees
• 100% online and self-paced — log in and out anytime without losing progress
• Instant emailed certificate the moment you finish
• We report approved completions to Georgia
• 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 - Georgia today for $15.99. The course is fully online and self-paced, your certificate is emailed the moment you finish, and every enrollment is backed by our money-back guarantee. Questions? Call or text 1-800-698-2770.