Course Description

4-Hour Annuity Best Interest/Suitability – Insurance Agent CE – Oklahoma

Approved by the Oklahoma Insurance Department | Provider #500032152 | Course ID #6000206039 ✅
Only $19.99 — No added or extra fees (many providers add a separate $4 state reporting fee at checkout — ours is already included)

Stay compliant with Oklahoma’s NAIC Annuity Best Interest standard in one convenient online course. This 4-hour Annuity Best Interest/Suitability class is 100% online and self-paced, so you can log in and out anytime, study from any device, and download an instant certificate as soon as you finish. Your credits are reported to the state within 24 hours. With over 10 years of experience and thousands of satisfied licensees nationwide, 1st Choice CE makes Oklahoma CE simple and affordable. Need help? Call or text 1-800-698-2770.

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Who Should Take This Course?

This course is designed for:

• Oklahoma resident and nonresident insurance producers/agents who sell, solicit, or negotiate annuities

• Life and annuity agents who need the one-time 4-hour Annuity Best Interest training before selling annuity products

• Producers who want a clear, practical review of documentation, disclosures, replacements, senior protections, and NAIC Best Interest standards

This course provides 4 hours of Annuity Best Interest/Suitability CE that also count toward the producer’s Life/Annuity CE requirement, subject to Oklahoma rules.

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Oklahoma CE & Annuity Requirements — What to Know

• Standard CE requirement for resident producers:
  Most resident producers must complete 24 hours of CE every 2-year license term, including 3 hours of Ethics and 2 hours of Oklahoma Legislative Updates. 

• License term & renewal date:
  Producer licenses generally renew every 2 years on the last day of the producer’s birth month. 

• Annuity training requirement (Best Interest):
  Following adoption of the NAIC Best Interest Model, Oklahoma requires a one-time 4-hour annuity training course (approved as “Annuity Best Interest 4 Hours”) to be completed before a producer may sell annuities. 

• Delivery format:
  Approved online self-study CE is accepted; this course is structured to meet Oklahoma’s Annuity Best Interest training criteria.

Nonresident producers typically satisfy Oklahoma’s CE and annuity training rules if they meet substantially similar requirements in their home state, subject to Oklahoma reciprocity provisions.

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How to Complete Your Oklahoma Annuity Training (Step-by-Step)

Step 1 – Confirm your CE and annuity obligations
Check your Oklahoma producer record and lines of authority. Plan to complete 24 total CE hours in your 2-year term, including 3 Ethics hours, 2 hours of Legislative Updates, and the one-time 4-hour Annuity Best Interest training if you sell annuities.

Step 2 – Enroll in the 4-hour Annuity Best Interest/Suitability course
Visit our secure checkout page and enroll. You can start immediately and study from your computer, tablet, or phone.

Step 3 – Study at your own pace
Move through short, focused modules covering NAIC Best Interest standards, producer duties, product features, and ethical sales practices. You can log in and out anytime without losing your place.

Step 4 – Complete the course and any required exam
Follow the on-screen instructions. If an exam is required per Oklahoma rules, simply complete it online as directed.

Step 5 – Download your instant certificate
As soon as you finish, your certificate of completion is available right away to save for your records and carrier files.

Step 6 – We report your credits for you
1st Choice CE reports your 4 hours of CE to Oklahoma within 24 hours, so they appear promptly on your transcript.

Step 7 – Renew your license on time
Once all CE is posted, submit your renewal through the state’s online licensing system before the last day of your birth month in your renewal year.

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What You’ll Learn — Course Outline (4 Hours Total)

 

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

• NAIC Model overview: purpose of the Suitability in Annuity Transactions / Best Interest Model and consumer protection intent

• Key definitions: recommendation, consumer profile, material conflict of interest, replacement

• Best-interest obligations: duties of care, disclosure, conflict mitigation, and documentation standards

• Suitability vs. Best Interest: how the new standard improves on traditional suitability

• Roles of insurer and producer: supervision programs, delegation limits, and when carrier review/override is required

• Documentation and recordkeeping: what to capture, retention timeframes, and handling consumer refusals/self-directed purchases

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

• Consumer profile information: required data points (age, income, assets/liquidity, time horizon, objectives, risk tolerance)

• Needs analysis and reasonable basis: aligning product features with documented objectives and constraints

• Product feature and risk disclosure: fees/charges, surrender periods, bonuses, caps/spreads, market risk

• Compensation and conflicts: required disclosures and explaining how compensation may influence recommendations

• Replacements and 1035 exchanges: structured comparisons of existing vs. proposed contracts, costs, and lost benefits

• Seniors and vulnerable adults: red flags for cognitive decline, elevated care standards, and reporting/escalation pathways

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

• Fixed, indexed, and variable annuities: guarantees, crediting methods, investment risk, and typical use cases

• Common riders and features: GLWB/GMWB, GMAB, death benefits, nursing-home waivers; costs vs. flexibility

• Surrenders, MVAs, and free-look: schedules, market value adjustments, partial withdrawals, and cooling-off rights

• Fees, expenses, and opportunity cost: explicit/implicit costs and their impact on outcomes

• Taxation basics: tax deferral, RMDs, 10% additional tax before 59½, qualified vs. non-qualified funding

• Illustrations and hypotheticals: limits on back-tests/scenarios and clear labeling of non-guaranteed elements

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

• Insurer supervision and file review: sample review programs, red-flag triggers, remediation, and producer oversight

• Advertising and consumer communications: what counts as advertising; approvals for digital, social, and seminar materials

• Prohibited sales practices: churning, twisting, misrepresentation, unapproved materials, and senior-event pitfalls

• Complaints, rescission, and remediation: timelines, corrective actions, and when rescission may be appropriate

• Multi-state nuances and training: forms/affidavit variations, reciprocity for the one-time annuity course, and continuing training expectations

• Applied case studies and ethics: realistic scenarios to practice documentation, disclosures, and conflict mitigation

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Why Take This Course with 1st Choice CE?

✅ Oklahoma Insurance Department–Approved (Provider #500032152, Course #6000206039)
✅ $19.99 flat — no added fees (includes the $4 state reporting fee)
✅ 100% Online & Mobile-Friendly
✅ Self-Paced Access — log in and out anytime
✅ Instant Certificate of Completion
✅ Credits Reported Within 24 Hours
✅ Over 10 Years of Trusted CE Service
✅ Money-Back Guarantee
✅ Support by Phone or Text — 1-800-698-2770

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Start Now!

Course Details

• Approved by Oklahoma Insurance Department
• Approved Provider #500032152
• Approved Course #6000206039
• 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.