Course Description

4-Hour Annuity Best Interest/Suitability CE Course – Missouri

Approved by the Missouri Department of Commerce and Insurance | Provider #48205 | Course ID: 17011227 ✅
Only $15.99 | Instant Certificate | 100% Online & Self-Paced | No Added Fees ✅
Important: We do not charge Missouri’s $1.00 per CE hour SBS reporting fee separately (a $4.00 value for a 4-hour course). It’s included in the $15.99 price.

Meet Missouri’s annuity best-interest training requirement with a practical, state-approved 4-hour course designed for busy insurance producers. This class walks you through the best-interest standard, producer duties from fact-finding through replacement, and the real product mechanics that drive suitability, disclosures, and documentation.

✅ 100% online and self-paced
✅ Log in/out anytime without losing your place
✅ Instant certificate of completion
✅ Credit reported within 24 hours of completion
✅ Money-back guarantee
✅ Support by phone or text: 1-800-698-2770

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✅ Who Should Take This Course?

✅ Missouri Life producers who sell, solicit, or negotiate annuities
✅ Producers who need the one-time, 4-hour annuity best-interest training required to transact annuities in Missouri 
✅ Agents who want clearer, audit-ready processes for consumer profiles, needs analysis, disclosures, and replacements/1035 exchanges
✅ Anyone looking to reduce complaints and E&O exposure through better documentation and conflict mitigation

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

✅ CE requirement (most resident producers): 16 total hours each 2-year renewal period (Life/Health, Property/Casualty, or any combination), including at least 3 hours of insurance ethics. 
✅ License renewal timing: Producer licenses renew biennially on the producer’s birth date. 
✅ Annuity training requirement: Missouri requires a department-approved annuity training course that qualifies for at least 4 CE credits and covers best-interest sales practices, replacement, and disclosures before a producer may sell annuities. 

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

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

✅ Step 2: Complete your required CE
Finish 16 total hours, including 3 hours of ethics (if you still need ethics). 

✅ Step 3: Complete your annuity best-interest training (if you sell annuities)
Take this 4-hour course to satisfy Missouri’s annuity training requirement. 

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

✅ Step 5: We report your credits within 24 hours
Your completion is reported quickly so your transcript updates.

✅ Step 6: Renew your license online before your birthday
Renew on time to avoid delays, penalties, or a lapse in licensure.

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✅ Topics Covered in This Course (4 Hours)

 

Hour 1: Regulatory Framework and Best-Interest Standard (50 minutes)

✅ NAIC model overview and consumer protection intent
✅ Key definitions: recommendation, consumer profile, material conflict, replacement
✅ Best-interest obligations: care, disclosure, conflict mitigation, documentation standards
✅ Suitability vs. best interest: what changed and why it matters
✅ Roles of insurer vs. producer: supervision and review expectations
✅ Documentation and recordkeeping: refusals and self-directed purchases

Hour 2: Producer Duties Across the Sales Process (50 minutes)

✅ Required consumer profile data: age, income, assets, liquidity, objectives, time horizon, risk tolerance
✅ Needs analysis and “reasonable basis” for recommendations
✅ Product feature and risk disclosures: fees, surrender periods, caps/spreads, market risk
✅ Compensation and conflicts: required disclosures and how to explain them
✅ Replacements and 1035 exchanges: structured comparisons and lost benefits
✅ Seniors and vulnerable adults: red flags and escalation pathways

Hour 3: Annuity Products, Riders, and Risk-Reward Characteristics (50 minutes)

✅ Fixed, indexed, and variable annuities: guarantees, crediting, and risk
✅ Common riders/features: GLWB/GMWB, GMAB, death benefits, nursing-home waivers
✅ Surrenders, MVAs, and free-look rights
✅ Fees, expenses, and opportunity cost
✅ Tax basics: qualified vs. non-qualified, RMDs, 10% penalty before 59½
✅ Illustrations and hypotheticals: labeling non-guaranteed elements correctly

Hour 4: Supervision, Advertising, Ethics, and Case Studies (50 minutes)

✅ Insurer supervision and file review: red-flag triggers and remediation
✅ Advertising rules: what counts as advertising and approval expectations
✅ Prohibited sales practices: churning, twisting, misrepresentation, unapproved materials
✅ Complaints, rescission, and corrective actions
✅ Multi-state nuances and continuing training considerations
✅ Applied case studies to practice documentation and conflict mitigation

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✅ Why Choose 1st Choice CE?

✅ Approved in Missouri (Provider #48205 | Course ID: 17011227)
✅ Only $15.99 — no added or extra fees
✅ We do not charge the $1.00/CE hour SBS reporting fee separately (your $4.00 reporting fee is included)
✅ 100% online, self-paced, mobile-friendly
✅ Instant certificate
✅ Credits reported within 24 hours
✅ Money-back guarantee
✅ Over 10 years serving licensees nationwide
✅ Call/text support: 1-800-698-2770

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Enroll Now – Just $15.99 ✅

Course Details

• Approved by the Missouri Department of Commerce and Insurance
• Approved Provider #48205
• Approved Course #17011227
• 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.