4 Hour New York Life, Accident & Health Insurance Compliance – Part 1

✅ 4 Hour New York Life, Accident & Health Insurance Compliance – Part 1 Online CE Course

✅ Approved by the New York State Department of Financial Services | Provider #NYPO-104705 | Course #NYCS-285086 | Only $19.99 | Instant Emailed Certificate | 100% Online & Self-Paced

Earn 4 hours of New York Life, Accident & Health elective CE credit with a NYDFS-approved online course you can start immediately for only $19.99. Part 1 of our three-part Life/A&H compliance series covers producer duties, life insurance policy standards, annuity best-interest rules under Regulation 187, and replacement rules under Regulation 60 — and counts as 4 of the 15 total credits you need to renew.

Work at your own pace and log in and out anytime without losing your progress. After you finish the course and pass the required final exam, your certificate is emailed to you instantly, and 1st Choice CE reports your completion to New York within 24 hours — nothing for you to self-report.

✅ Course Details

Course Name: 4 Hour New York Life, Accident & Health Insurance Compliance – Part 1 Online CE Course

Approved By: New York State Department of Financial Services (NYDFS)

Provider Number: NYPO-104705

Course Number: NYCS-285086

Course Length: 4 credit hours

Course Category: Life, Accident & Health elective continuing education credit (New York)

Course Format: 100% online and self-paced, with a final exam (required for self-study credit)

Price: $19.99

Certificate: Instant emailed certificate upon completion

Reporting: 1st Choice CE reports completions to New York within 24 hours

Support: Phone or text 1-800-698-2770

✅ Who Should Take This Course?

• New York licensed insurance agents, brokers, and producers who hold life or accident and health lines
• Life insurance agents who recommend, sell, or replace life policies and annuities
• Producers subject to Regulation 187's best-interest standard for life and annuity recommendations
• Producers who handle replacements governed by Regulation 60
• Producers who want elective credit built around New York Life/A&H law rather than generic topics
• Newly licensed Life/A&H producers preparing for their first New York renewal
• Agency owners and managers keeping their teams CE-compliant

✅ Does This Course Satisfy the New York CE Requirement?

This course provides 4 hours of Life, Accident & Health elective continuing education credit toward the 15 total credits most New York licensees must complete each two-year licensing period.

Because it is an elective course, it is important to know what it does not cover:

• It does not satisfy the mandatory 1-hour Insurance Law, 1-hour ethics and professionalism, or 1-hour diversity, inclusion, and elimination of bias topics — those must be completed separately.
• It does not include flood insurance instruction, which applies only to licensees who sell one or more property/casualty lines.

If you want your entire renewal in one purchase, the 15 Hour New York Life, Accident & Health Renewal Package includes this course, the other two parts, and all three mandatory topics for $39.

✅ New York Insurance Continuing Education Requirements

Under New York Insurance Law Section 2132, most New York insurance licensees must complete 15 credits of approved continuing education during each two-year licensing period once the license has been in effect for more than two years. For licenses renewing on or after April 1, 2022, Part 20 of the NYCRR requires that the 15 credits include:

• At least 1 hour of Insurance Law instruction
• At least 1 hour of ethics and professionalism instruction
• At least 1 hour of diversity, inclusion, and elimination of bias instruction
• At least 1 hour of flood insurance instruction, if licensed to sell one or more property/casualty lines
• At least 3 hours of enhanced flood insurance instruction, if selling flood insurance through the NFIP

Self-study and online courses require a passing grade on a final exam to receive credit. New York resident licensees must use a Department-approved provider organization, and all CE must be completed before the renewal or relicensing application is submitted. CE is generally not required for non-resident licensees who are CE-compliant in their home state.

How this course helps: This 4-hour course provides 4 hours of Life, Accident & Health elective credit toward the 15 total credits required for renewal. It does not satisfy the mandatory 1-hour Insurance Law, ethics and professionalism, or diversity topics, and it does not include flood instruction. Completing Parts 1, 2, and 3 supplies 12 elective hours; the three mandatory topics must still be completed separately — or get everything in the 15 Hour Life, Accident & Health Renewal Package.

✅ When Do New York Licensees Renew?

New York insurance licenses renew every two years, and expiration dates vary by licensee — check your license record in the DFS portal to confirm your exact date. Individual and TBA producer licenses expiring on the licensee's birthday can generally be renewed up to 180 days before expiration.

Because CE must be completed before you submit your renewal application, finish your credits early instead of racing your expiration date.

✅ How to Renew Your New York Insurance License

Step 1: Confirm Your License Record — Check your license type, lines of authority, and expiration date in the DFS portal.

Step 2: Confirm Your CE Requirements — Most licensees need 15 credits per cycle, including the three mandatory one-hour topics. If you also hold property/casualty lines, flood instruction requirements may apply as well.

Step 3: Enroll in This Course — Enroll in the 4 Hour Life, Accident & Health Insurance Compliance – Part 1 course for $19.99 and start immediately.

Step 4: Complete the Course Online — Work at your own pace, log in and out anytime, and pass the final exam to earn self-study credit.

Step 5: Receive Your Instant Certificate — Your certificate of completion is emailed to you the moment you finish.

Step 6: We Report Your Completion — 1st Choice CE reports your completion to New York within 24 hours, so the credit is on your record.

Step 7: Renew With the State — Renew online through NY LINX, the DFS portal, using your DFS ID with multi-factor authentication. Submit before your expiration date and confirm your renewed status afterward.

✅ What You Will Learn

• When New York license authority is required to sell, solicit, or negotiate life and accident/health insurance, and how appointments work
• Compensation, fiduciary duty, and license-maintenance rules every Life/A&H producer must follow
• Required life insurance policy provisions, insurable interest, and the disclosures that support an informed purchase
• How Regulation 187's best-interest standard applies to life insurance and annuity recommendations
• Regulation 60 replacement duties: notices, comparisons, and documentation
• Advertising, misrepresentation, rebating, and discrimination rules that create producer risk

✅ Course Content Overview

Section 1 (1 Hour) — Life, Accident and Health Producer Authority, Licensing Duties, and Professional Compliance

The first hour sets out what a New York life, accident and health producer may do and the duties that attach to the license:

• New York producer definitions and the activities that require license authority
• The prohibition on acting without a license and the licensing framework for life, accident and health agents and brokers
• Appointment requirements, appointment termination and insurer-producer authority
• Compensation rules for life and accident and health producers
• Fiduciary duties for premiums, return premiums and other insurance funds
• License maintenance, continuing education, disciplinary exposure and address-change duties

Section 2 (1 Hour) — Life Insurance Policy Standards, Disclosures, and Policyholder Rights

The second hour covers the statutory content of a New York life policy and the rights it must give the owner:

• Policy form approval requirements and the duty to use current approved materials
• Standard provisions required in individual life insurance policies
• The entire-contract rule and how application statements are treated
• Insurable interest and consent requirements
• Premium-due notices and lapse prevention

Section 3 (1 Hour) — Annuity Standards, Best Interest, Replacement, and Suitability Duties

The third hour is the annuity conduct hour, built around Regulation 187 and New York's replacement rules:

• Standard provisions for annuity and pure endowment contracts
• Group annuity contract standards
• New York's best-interest and suitability framework under Regulation 187
• The information a producer should consider when recommending a life or annuity product
• Replacement requirements for life insurance policies and annuity contracts
• Applying the suitability and replacement rules to producer practice

Section 4 (1 Hour) — Consumer Protection, Advertising, Discrimination, Rebating, and Producer Risk Control

The fourth hour covers the marketing and conduct rules that most often produce a complaint or a disciplinary file:

• Advertising and public communication restrictions
• Misleading statements, incomplete comparisons and misrepresentation concerns
• Unfair methods of competition and unfair or deceptive acts or practices
• Discrimination, rebating, prohibited inducements and interdependent sales in the life and accident and health market
• Unfair claim settlement practices and producer communications during a claim
• Applying these compliance principles to daily producer workflows

Section 1 (1 Hour) — Life, Accident & Health Producer Authority, Licensing Duties, and Professional Compliance

• Producer definitions and when activities require license authority under Insurance Law §2101
• The licensing framework and the prohibition against acting without a license (§§2102–2104)
• Appointments, terminations, and insurer–producer authority under §2112
• Compensation rules (§§2114–2116, 2119) and fiduciary duties for premiums and client funds (§2120)
• License maintenance, CE, disciplinary exposure, and address-change duties (§§2110, 2132, 2134)

Section 2 (1 Hour) — Life Insurance Policy Standards, Disclosures, and Policyholder Rights

• Policy form approval under §3201 and why unapproved or outdated materials are off-limits
• Standard provisions: grace periods, incontestability, misstatement of age, loans, surrender values, and reinstatement (§3203)
• The entire-contract rule and representations versus warranties (§3204)
• Insurable interest and consent requirements (§3205)
• Buyer's guides, disclosure statements, and premium-due and lapse-prevention notices (§§3209, 3211)

Section 3 (1 Hour) — Annuity Standards, Best Interest, Replacement, and Suitability Duties

• Standard provisions for annuity and pure endowment contracts (§3219) and group annuities (§3223)
• Regulation 187 (11 NYCRR Part 224): the best-interest standard for life insurance and annuity recommendations
• Consumer profile factors: age, financial situation, insurance needs, risk tolerance, liquidity, time horizon, tax status, and intended use
• Regulation 60 (11 NYCRR Part 51): replacement definitions, required notices, comparisons, and documentation duties
• Applying suitability and replacement rules: needs analysis, surrender-charge discussions, and record retention

Section 4 (1 Hour) — Consumer Protection, Advertising, Discrimination, Rebating, and Producer Risk Control

• Advertising and public communication restrictions (§2122) and misleading statements or incomplete comparisons (§2123)
• Unfair methods of competition and deceptive practices under Article 24 (§§2402, 2403)
• Discrimination, rebating, prohibited inducements, and interdependent sales restrictions under §4224
• Unfair claim settlement practices and producer communication limits during claims (§2601)
• Daily risk control: application documentation, replacement checklists, suitability records, and complaint handling

✅ Other New York Insurance CE Courses & Packages

Save with a package – everything in one purchase:

• 3 Hour New York Mandatory Topics Package - Insurance Agents – $14.99
• 4 Hour New York Flood Insurance Package – $19.99
• 15 Hour New York Life, Accident & Health Insurance Renewal Package – $39.00
• 15 Hour New York P&C Insurance Renewal Package – $39.00

Individual New York insurance CE courses:

• 1 Hour Basic Flood Insurance - Insurance Agent - New York – $9.99
• 1 Hour Diversity, Inclusion, and Elimination of Bias - Insurance Agent - New York – $9.99
• 1 Hour Ethics and Professionalism - Insurance Agent - New York – $9.99
• 1 Hour New York Insurance Law - Insurance Agent - NY – $9.99
• 3 Hour Enhanced NFIP Flood Insurance - Insurance Agent - New York – $14.99
• 4 Hour New York Life, Accident & Health Insurance Compliance – Part 2 – $19.99
• 4 Hour New York Life, Accident & Health Insurance Compliance – Part 3 – $19.99
• 4 Hour New York Property & Casualty Insurance Compliance – Part 1 – $19.99
• 4 Hour New York Property & Casualty Insurance Compliance – Part 2 – $19.99

All courses are New York-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?

• NYDFS-approved course (provider #NYPO-104705, course #NYCS-285086)
• Affordable price — only $19.99
• 100% online and self-paced — log in and out anytime without losing progress
• Instant emailed certificate when you finish
• Completions reported to New York within 24 hours
• Money-back guarantee
• Over 10 years of continuing education experience
• Support by phone or text at 1-800-698-2770

✅ Enroll Now

Ready to bank 4 of your 15 New York CE credits? Enroll in the 4 Hour New York Life, Accident & Health Insurance Compliance – Part 1 course for just $19.99. Start immediately, finish on your schedule, get your certificate instantly, and let us report your credit to New York for you.

Enroll Now – Only $19.99