Course Description

3 Hour Ethics for Insurance Agents – Missouri

Approved by the Missouri Department of Commerce and Insurance | Provider #48205 | Course ID: 17011225 ✅
Only $15.99 | No added or extra fees | Instant Certificate | 100% Online & Self-Paced
Important: We do not charge Missouri’s $1.00 per CE hour SBS reporting fee separately (that’s a $3.00 value for a 3-hour course). It’s included in the $15.99 price. ✅

Renew your Missouri insurance license with a state-approved 3-hour Ethics course built for real-world producer decisions. This training focuses on what protects your clients and your license: conflicts of interest, honest advertising, ethical recommendations and replacements, privacy and cybersecurity responsibilities, complaint handling, and documentation that stands up to review.

Designed for busy agents, the course is fully online and self-paced. Log in and out anytime without losing your place, download your instant certificate when you’re done, and we report credits within 24 hours of completion.

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✅ Who Should Take This Course?

✅ Missouri resident producers who need the required Ethics hours for renewal
✅ Life, Health, Property & Casualty, and Personal Lines agents
✅ Producers who want stronger compliance habits to reduce complaints and E&O exposure
✅ Agents who sell, service, or replace coverage and want clearer documentation standards

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✅ Missouri Insurance CE & Renewal Requirements (What to Know)

✅ Total CE required: Most Missouri resident producers need 16 total CE hours every 2-year renewal period.
✅ Ethics required: At least 3 of the 16 hours must be Ethics — this course is designed to satisfy that 3-hour Ethics requirement. ✅
✅ Renewal deadline: Missouri producer licenses renew biennially on your birth date.
✅ Renewal window: Renewal typically opens about 90 days before your expiration date.

Tip: This course covers Ethics, but you’ll still want to plan the remaining hours you need to reach the full 16-hour total.

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✅ How to Renew Your Missouri Insurance License (Step-by-Step)

✅ Step 1: Confirm your renewal deadline
Your Missouri license renews every two years on your birth date.

✅ Step 2: Complete your CE requirement
Finish 16 total hours, including 3 hours of Ethics (this course covers the Ethics portion).

✅ Step 3: Take the course online (self-paced)
Start anytime, pause anytime, and resume right where you left off.

✅ Step 4: Get your instant certificate
Download your certificate immediately after completion for your records.

✅ Step 5: Credits reported within 24 hours ✅
We report your completion within 24 hours so your CE record updates quickly.

✅ Step 6: Renew on time
Submit your renewal during the renewal window to avoid delays or a lapse.

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✅ Topics Covered in This Course (3 Hours)

Hour 1: Core Ethical Duties of the Insurance Producer (50 minutes)

✅ Client interest as the primary duty (best interest vs. suitability expectations in common scenarios)
✅ Conflicts of interest and clear disclosure (referral fees, bonuses, ownership interests, non-financial conflicts)
✅ Truthful advertising and communications (illustrations, social media, comparisons, and avoiding misleading statements)
✅ Ethical recommendations, replacements, and anti-churning practices (documenting client benefit and written rationale)
✅ Elder and vulnerable client protections (undue influence red flags, ethical pause-points, escalation steps)
✅ Cultural competence, fair treatment, and anti-discrimination practices

Hour 2: Market Conduct, Compliance Foundations, and Recordkeeping (50 minutes)

✅ Unfair trade practices and inducements (rebating, excessive gifts, tying arrangements, compliant value-adds)
✅ Privacy, data ethics, and cybersecurity duties (secure handling, least-necessary use, incident response basics)
✅ AML and fraud prevention red flags (suspicious patterns, documentation, escalation within agency/carrier channels)
✅ Ethical documentation and 5-year+ record retention (defensible file contents and retention practices)
✅ Complaint handling, corrective action, and ethical self-reporting considerations
✅ Supervision, training, and delegation ethics (CSR boundaries, checklists, audits, signature controls)

Hour 3: Applying Ethics Across Lines, Products, and the Client Lifecycle (50 minutes)

✅ Life and annuities: fact-finding, comparisons, replacements, and documenting best-interest reasoning
✅ Health/Medicare and disability: clear costs and network communication, ethical enrollment practices
✅ Property/Casualty and personal lines: adequacy vs. price, limits/exclusions, and annual coverage check-ins
✅ Commercial lines: transparency for small business clients and explaining coverage structures
✅ Post-sale duties: service standards, renewals, and life-event reviews to maintain continuity of advice
✅ Ethical use of technology and AI tools: avoiding automation bias, protecting data, and ensuring human review

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✅ Why Choose 1st Choice CE?

✅ Approved in Missouri (Provider #48205 | Course ID: 17011225)
✅ Only $15.99 — no added or extra fees
✅ We do not charge the $1.00/CE hour SBS reporting fee separately (included)
✅ 100% online and mobile-friendly
✅ Self-paced access — log in/out anytime without losing progress
✅ Instant certificate of completion
✅ Credits reported within 24 hours
✅ Money-back guarantee
✅ Over 10 years of trusted CE service
✅ Support by phone or text: 1-800-698-2770

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✅ Need More Missouri CE Hours?

✅ 3-Hour Flood Insurance (NFIP) – Missouri
✅ 4-Hour Annuity Best Interest/Suitability – Missouri
✅ 4 Hrs Ongoing Long-Term Care Insurance Partnership Training – Missouri

Course Details

• Approved by the Missouri Department of Commerce and Insurance
• Approved Provider #48205
• Approved Course #17011225
• 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.