Course Description

4-Hour Annuity Best Interest / Suitability Course – Massachusetts

✅ Approved by the Massachusetts Division of Insurance
Course ID: 6000207749 | Provider #: 500032040

Price: $19.99 — No added fees
Includes the $6.00 Massachusetts filing fee (we absorb it)

This 4-hour Annuity Best Interest / Suitability CE course is 100% online and self-paced for Massachusetts insurance licensees. Complete the course on your schedule, log in and out anytime, receive your instant certificate of completion, and we’ll report your CE credits to the state within 24 hours.

Who Should Take This Course?

This course is intended for Massachusetts insurance professionals, including:

✅ Life Insurance Producers
✅ Annuity Sales Agents
✅ Insurance Producers recommending annuity products
✅ Agency Owners and Licensed Staff involved in annuity transactions

Massachusetts CE & Renewal — What to Know (Important)

Massachusetts insurance producers must complete 60 total CE hours every 2-year license renewal cycle.

Key renewal requirements include:
✅ At least 3 hours must be Ethics
✅ Remaining hours may include approved subject-matter courses such as annuity suitability
✅ CE must be completed by your license expiration date
✅ Credits must be reported by an approved Massachusetts CE provider

This course satisfies Massachusetts requirements for annuity best-interest and suitability training.

How to Renew Your Massachusetts Insurance License (Step-by-Step)

1. Confirm your Massachusetts CE requirements for your license type
2. Enroll in this 4-Hour Annuity Best Interest / Suitability Course
3. Complete the course online at your own pace
4. Receive your instant certificate of completion
5. We report your CE credits within 24 hours
6. Verify your credits are posted
7. Complete your standard Massachusetts license renewal

What You’ll Learn — Course Outline

Hour 1: Regulatory Framework and Best-Interest Standard

✅ NAIC Annuity Best-Interest Model overview and consumer protections
✅ Key definitions: recommendation, consumer profile, material conflict, replacement
✅ Producer duties of care, disclosure, conflict mitigation, and documentation
✅ Suitability vs. best-interest standards
✅ Insurer vs. producer supervisory responsibilities
✅ Documentation and record-retention requirements

Hour 2: Producer Duties Across the Sales Process

✅ Consumer profile information requirements
✅ Needs analysis and reasonable-basis recommendations
✅ Product feature, fee, and risk disclosures
✅ Compensation disclosure and conflict management
✅ Replacements and 1035 exchange analysis
✅ Seniors and vulnerable-adult considerations

Hour 3: Annuity Products, Riders, and Risk Characteristics

✅ Fixed, indexed, and variable annuity comparisons
✅ Common riders (GLWB, GMWB, GMAB, death benefits)
✅ Surrender charges, MVAs, free-look provisions, and withdrawals
✅ Fees, expenses, and opportunity costs
✅ Taxation basics and suitability implications
✅ Proper use of illustrations and non-guaranteed assumptions

Hour 4: Supervision, Advertising, Ethics, and Case Studies

✅ Insurer supervision and file-review processes
✅ Advertising rules and consumer communications
✅ Prohibited sales practices and senior-targeted violations
✅ Complaint handling, remediation, and rescission
✅ Multi-state considerations
✅ Applied ethics and documentation case studies

Why Choose 1st Choice CE?

✅ Instant certificate of completion
✅ Log in/out anytime without losing progress
✅ We report credits to the state within 24 hours
✅ Money-back guarantee
✅ Trusted provider for 10+ years
✅ Support by call or text: 1-800-698-2770

 

FAQ

Is this course approved in Massachusetts?
Yes. It is approved by the Massachusetts Division of Insurance.

How many CE hours does this course provide?
This course provides 4 CE hours.

Are there any extra fees?
No. The $6.00 state filing fee is included.

Do I receive my certificate immediately?
Yes. You receive an instant certificate of completion.

How quickly are CE credits reported?
Credits are reported within 24 hours.

Can I log out and return later?
Yes. Your progress is saved.

Is this course self-paced?
Yes. You can complete it entirely on your schedule.

Who do I contact for help?
Call or text 1-800-698-2770.

What is the refund policy?
This course includes a money-back guarantee.

Does this course count toward license renewal?
Yes. It counts toward Massachusetts CE renewal requirements.

Course Details

• Approved by Massachusetts Division of Insurance & Industry.
• Approved Provider #500032040
• Approved Course #6000207749
• 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.