Course Description

3 Hour Ethics for Insurance Agent CE Course – Pennsylvania

Approved by the Pennsylvania Insurance Department | Provider #156967 | Course ID #139158 ✅
Only $19.99 | No added or extra fees | Instant Certificate | 100% Online & Self-Paced

Renew with confidence using this Pennsylvania-approved 3-hour Ethics continuing education course for insurance agents. This course is designed to strengthen real-world ethical decision-making—so you can document recommendations properly, avoid conflicts of interest, communicate clearly, protect client information, and reduce complaint and E&O risk.

✅ Log in and out anytime without losing your place
✅ Instant certificate of completion when you finish
✅ Credits reported within 24 hours of completion
✅ Money-back guarantee
✅ Over 10 years serving licensees nationwide
✅ Support by phone or text: 1-800-698-2770

✅ Fee Note: We do not add Pennsylvania’s $5.00 reporting fee at checkout. It’s included in the $19.99 price.

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✅ Who Should Take This Course?

This course is ideal for:

✅ Pennsylvania resident insurance producers/agents needing Ethics CE for renewal
✅ Life & Health agents
✅ Property & Casualty agents
✅ Multi-line agents who want a simple way to complete their required 3 ethics hours
✅ Agents who want clearer guidance on compliant advertising, disclosures, replacements, privacy, and complaint handling

If you need 3 hours of Pennsylvania-approved Ethics CE, this course is for you.

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✅ Pennsylvania Insurance CE & Renewal — What to Know

Pennsylvania insurance producers typically renew on a biennial (2-year) schedule, and most resident producers must complete CE during each renewal period.

✅ Most resident producers: 24 total CE hours every 2 years
✅ Ethics requirement: 3 hours of Ethics (part of the 24) each renewal period
✅ Renewal deadline: Your renewal is generally due by your license expiration date (commonly tied to your birth month for many producer licenses)
✅ Important: Requirements can vary by license type (for example, limited lines or other special categories), so confirm your exact requirement on your license record

This course provides 3 hours of Ethics toward your Pennsylvania renewal requirement.

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

✅ Step 1: Confirm your renewal deadline
Check your license record to confirm your expiration date and renewal window.

✅ Step 2: Confirm how many CE hours you need
Most producers complete 24 total hours each biennial period, including 3 Ethics hours.

✅ Step 3: Complete this 3-hour Ethics course online ✅
100% self-paced and mobile-friendly. Log in and out anytime without losing progress.

✅ Step 4: Receive 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 promptly so your CE record updates quickly.

✅ Step 6: Submit your renewal
Renew your license as soon as your CE is posted—before your expiration deadline.

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✅ Topics Covered in This Course (3 Hours)

Hour 1: Core Ethical Duties of the Insurance Producer

✅ Client interest as the primary duty (best interest vs. suitability expectations in common scenarios)
✅ Conflicts of interest and clear, timely disclosure practices (ownership interests, referral fees, bonuses)
✅ Truthful advertising and communications (illustrations, social media, comparisons, and verifiable claims)
✅ Duties in recommendations, replacements, and avoiding churning/twisting with defensible documentation
✅ Elder and vulnerable client protections (red flags, ethical pause-points, documentation, escalation)
✅ Cultural competence, fair treatment, and anti-discrimination practices that improve client understanding

Hour 2: Market Conduct, Compliance Foundations, and Recordkeeping

✅ Unfair trade practices and improper inducements (rebating, excessive gifts, tying arrangements)
✅ Privacy, data ethics, and cybersecurity duties (secure handling of client information and incident basics)
✅ AML awareness, fraud prevention, and responding to red flags (documentation and escalation)
✅ Ethical documentation and strong 5-year+ record retention best practices
✅ Complaint handling, corrective action, and when remediation or notification may be ethically warranted
✅ Supervision, training, and delegation ethics inside an agency (checklists, audits, call review, limits)

Hour 3: Applying Ethics Across Lines, Products, and the Client Lifecycle

✅ Life & annuities ethics (fact-finding, comparisons, replacement forms, suitability/best-interest documentation)
✅ Health/Medicare & disability ethics (networks, total cost clarity, ethical enrollment practices)
✅ Property/Casualty ethics (adequacy vs. price, exclusions, renewals, annual check-ins)
✅ Commercial lines ethics (transparent options, key conditions, availability and cost drivers)
✅ Post-sale duties (service standards, renewals, life-event reviews, continuity of advice)
✅ Ethical use of technology, AI, and comparative raters (avoid automation bias, protect data, human review)

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✅ Why Choose 1st Choice CE?

✅ Pennsylvania-approved Ethics CE (Provider #156967 | Course #139158)
✅ Only $19.99 — No added or extra fees
✅ Pennsylvania $5 reporting fee included (not added at checkout) ✅
✅ 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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Enroll Now – Just $19.99 ✅

Course Details

• Approved by the Pennsylvania Insurance Department
• Approved Provider #156967
• Approved Course #139158
• 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.