5 HRs Life Insurance Products and Retirement Planning - Mississippi

5 HRs Life Insurance Products and Retirement Planning - Mississippi

✅ Approved by Mississippi Insurance Department | Provider #15054358 | Course #30058 | Only $19.99 | Instant Emailed Certificate | 100% Online & Self-Paced

Earn 5 approved continuing education hours toward your Mississippi insurance producer renewal with a Mississippi Insurance Department-approved online course for only $19.99. 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 the Mississippi Insurance Department. 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 - Mississippi
• Approved By: Mississippi Insurance Department
• Provider Number: 15054358
• Course Number: 30058
• Course Length: 5 credit hours
• Course Category: Life
• Course Format: 100% online, self-paced
• Price: $19.99
• Certificate: Emailed immediately upon completion
• Reporting: 1st Choice CE reports approved completions to Mississippi
• Support: Phone or text 1-800-698-2770

✅ Who Should Take This Course?

• Mississippi licensed resident insurance producers renewing a license with life authority
• Producers who need 5 approved hours toward the 24-hour Mississippi 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 Mississippi continuing education requirement. It does not by itself satisfy the full renewal requirement, and it does not satisfy the 3-hour ethics requirement.

✅ Mississippi Continuing Education Requirements

Mississippi ties the continuing education requirement to how long your license has been in effect. A producer whose license has been in effect for 19 to 24 months completes 24 hours of continuing education including three hours of ethics. A producer whose license has been in effect for 13 to 18 months completes 12 hours. Licenses expire on the last day of the licensee's birth month on a biennial basis, so your own birth month — not a statewide calendar date — sets your deadline. Because the total depends on how many months your license has actually been in effect, the Mississippi Insurance Department publishes CE calculation charts for property and casualty and for life, accident and health licensees. Check your own license record and the applicable chart before assuming the 24-hour total applies to you.

• 24 hours including 3 hours of ethics for a license in effect 19 to 24 months
• 12 hours for a license in effect 13 to 18 months
• Licenses expire on the last day of your birth month, biennially
• Licenses may be renewed online beginning 90 days before the expiration date
• Hours do not carry over from one license period to the next, and the same course may not be repeated within a license period
• Only courses approved by the Mississippi Insurance Department count toward the requirement

How this course helps: This 5-hour course provides 5 approved credit hours toward the 24 hours Mississippi requires for each biennial license period. It applies as general 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?

Mississippi producer licenses expire on the last day of the licensee's birth month on a biennial basis, and the department allows online renewal beginning 90 days before that expiration date. Continuing education must be completed during the license period, and Mississippi does not permit hours to be carried into the next period, so finishing early satisfies the current period without building a cushion for the next. Mississippi also does not allow the same course to be repeated for credit within a single license period, which matters when you are assembling hours from more than one provider.

✅ How to Renew Your License

Step 1: Confirm your birth month and expiration date

Your license expires on the last day of your birth month on a biennial basis. Confirm the exact date on your license record before planning coursework.

Step 2: Determine how many months your license has been in effect

This decides whether you owe 24 hours or 12. Use the Mississippi Insurance Department's CE calculation chart for your license type, or call the Licensing Division.

Step 3: Complete the required hours, including 3 in ethics

The 24-hour requirement includes three hours of ethics. A general course does not satisfy that portion — verify the ethics credits specifically.

Step 4: Do not repeat a course within the same license period

Mississippi will not give credit twice for the same course inside one period. Track what you have already taken before enrolling.

Step 5: Allow provider reporting time before your deadline

Finish coursework early enough for completions to post. Do not schedule your last course for the final days of your birth month.

Step 6: Renew online and confirm

Renewal opens 90 days before expiration. Submit the renewal, pay the fee, and afterward verify that your record shows an active status and an updated expiration date.

✅ 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 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 Mississippi Insurance CE Courses & Packages

Save with a package – everything in one purchase:

• 24 Hour Life & Health Insurance CE Package - Mississippi – $69.99
• 24-Hour Property & Casualty CE Package – Mississippi Insurance Agent – $69.99

Individual Mississippi insurance CE courses:

• 3 Hrs Insurance Fraud and Claims Handling (P&C Focus) – Mississippi – $19.99
• 3 Hour Ethics for Insurance Agents - Mississippi – $19.99
• 3 HRs Emerging Risks and Specialty Coverages – Mississippi – $19.99
• 3 HRs Inland Marine and Specialty Property Coverages - Mississippi – $19.99
• 3 HRs Workers Compensation Essentials - Mississippi – $19.99
• 3-Hour Flood Insurance (NFIP) - Mississippi – $19.99
• 4 HRs Commercial Lines Insurance Essentials – Mississippi – $19.99
• 4 HRs Health Insurance and Affordable Care Act Updates - Mississippi – $19.99
• 4 HRs Homeowners Insurance Overview – Mississippi – $19.99
• 4 HRs Medicare Advantage and Part D Update - Mississippi – $19.99
• 4 Hrs Ongoing Long-Term Care Insurance Partnership Training - Mississippi – $19.99
• 4 HRs Personal Auto and Umbrella Insurance – Mississippi – $19.99
• 4-Hour Annuity Best Interest/Suitability - Insurance Agent - Mississippi – $19.99
• 8 Hours Initial Long-Term Care Insurance Partnership Training – Mississippi – $39.99

All courses are Mississippi-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 by the Mississippi Insurance Department — provider #15054358
• Affordable at $19.99 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 Mississippi
• 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 - Mississippi today for $19.99. 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.