Course Description

4-Hour Annuity Best Interest/Suitability – Illinois

Approved by the Illinois Department of Insurance | Provider #500032058 | Course ID #6000205130 ✅
Only $19.99 — No added or extra fees (includes Illinois’ $4 state reporting fee)

Get compliant with Illinois’ NAIC Best-Interest annuity standard in a fast, fully online format. This 100% self-paced course lets you log in and out anytime, finish on your schedule, and download an instant certificate at completion. We report your credits within 24 hours. With 10+ years serving thousands nationwide, 1st Choice CE keeps your CE simple and transparent. Support by call or text: 1-800-698-2770.

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Who Should Take This Course?

• Illinois resident or nonresident producers/agents who sell, solicit, or negotiate annuities

• New annuity writers who need the one-time 4-hour Best-Interest training

• Experienced agents seeking a concise refresher on disclosures, documentation, and senior-client safeguards

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Illinois CE & Renewal — What to Know

• Most producers: 24 total CE hours every 2 years, which must include 3 hours of Ethics.

• Annuity training: Illinois follows the NAIC Best-Interest model; you must complete a one-time 4-hour course before selling annuities (this course fulfills that requirement).

• Transparent pricing: Many providers add Illinois’ $1 per CE hour reporting fee at checkout. Your $19.99 price already includes the full $4—no surprises.

• Delivery: 100% online and self-paced; your progress is saved automatically.

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How to Renew (Step-by-Step)

Step 1 — Plan your CE. Target 24 hours each two-year term (including 3 Ethics). If you sell annuities, ensure you’ve completed the one-time 4-hour Best-Interest course.

Step 2 — Complete this course online. Learn anywhere, anytime; your place is saved.

Step 3 — Get your instant certificate. Download immediately for your records and carrier appointments.

Step 4 — We report within 24 hours. Your credits are submitted promptly to Illinois.

Step 5 — Renew on time. File your renewal by your due date and retain your certificate.

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What You’ll Learn — Course Outline (4 Hours Total)

(From the approved syllabus; timed in 50-minute hours.)

Hour 1 — Regulatory Framework & Best-Interest Standard
NAIC model purpose; key definitions (recommendation, consumer profile, material conflict, replacement); duties of care/disclosure/conflict-mitigation; how best-interest surpasses suitability; insurer vs. producer roles & supervision; documentation/recordkeeping and handling consumer refusals.

Hour 2 — Producer Duties Across the Sales Process
Collecting consumer profile data; needs analysis & reasonable-basis determinations; product feature & risk disclosures (fees, surrenders, caps/spreads, market risk); compensation/conflict disclosures; replacements & 1035 comparisons; serving seniors & vulnerable adults.

Hour 3 — Annuity Products, Riders & Risk–Reward
Fixed/indexed/variable annuities; common riders (GLWB/GMWB, GMAB, DB, NH waivers); surrenders, MVAs & free-look; explicit/implicit costs & opportunity cost; tax basics (deferral, RMDs, pre-59½ penalties, qualified vs. non-qualified); limits on back-tests & hypotheticals.

Hour 4 — Supervision, Advertising, Ethics & Case Studies
Insurer supervision & file review; what counts as advertising (digital/social/seminar) & approvals; prohibited practices (twisting/churning/misrepresentation); complaints, rescission & remediation; multi-state nuances/reciprocity; applied case studies with full documentation.

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Why Choose 1st Choice CE?

✅ Illinois-Approved (Provider #500032058, Course #6000205130)
✅ $19.99 flat — no extra fees (state reporting included)
✅ 100% Online & Mobile-Friendly
✅ Self-Paced — Log in/out anytime
✅ Instant Certificate
✅ Credits Reported Within 24 Hours
✅ Money-Back Guarantee
✅ Over 10 Years trusted by thousands

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Start Now!

Course Details

• Approved by Illinois Department of Insurance
• Approved Provider #500032058
• Approved Course #6000205130
• Instant Access - Online Course.
• Study At Your Own Pace. Anytime.
• On Any Device. Phone, Tablet, or Computer.
• Hassle Free Navigation. Easy to Follow.
• Certificate emailed immediately upon completion.
• 1-800-698-2770 for any questions.