5 HRs Life Insurance Products and Retirement Planning - Pennsylvania

5 HRs Life Insurance Products and Retirement Planning - Pennsylvania

✅ Approved by Pennsylvania Insurance Department | Provider #156967 | Course #140022 | Only $19.99 | Instant Emailed Certificate | 100% Online & Self-Paced

Earn 5 approved hours toward your Pennsylvania insurance licence continuing education with a course approved by the Pennsylvania Insurance Department for only $19.99. The hours apply to the 24 credit hours Pennsylvania requires in each two-year licence period, and you can enrol online and work through the course on your own schedule.

The course is 100% online and self-paced. Pennsylvania places no cap on self-study, so all 5 hours count in full. Log in and out as often as you need without losing progress. Your certificate is emailed the moment you finish, and 1st Choice CE reports your completion to the Pennsylvania Insurance Department.

✅ Course Details

• Course name: 5 HRs Life Insurance Products and Retirement Planning
• Approved by: Pennsylvania Insurance Department
• Provider number: 156967
• Course number: 140022
• Course length: 5 hours
• Course category: Life & Health
• Course format: 100% online, self-paced
• Price: $19.99 — no added or hidden fees
• Certificate: emailed immediately after completion
• Reporting: 1st Choice CE reports your completion to the Pennsylvania Insurance Department
• Page URL: https://1stchoice-ce.com/courses/checkout/pennsylvania/5-hrs-life-insurance-retirement-pennsylvania/
• Support: call or text 1-800-698-2770

✅ Who Should Take This Course?

• Licensed life and annuity agents and producers
• Agents who compare permanent and term designs for clients
• Producers who position annuities inside a retirement income plan
• Agents who present policy illustrations and need to explain them accurately
• Producers who handle replacements and 1035 exchanges
• Agents who need life and health credit toward Pennsylvania's renewal total

✅ Does This Course Satisfy the State Requirement?

This course provides 5 approved hours toward the 24 credit hours a Pennsylvania resident producer must complete in each two-year licence period. It does not satisfy the requirement on its own, and it is general credit – it does not count toward the 3 hours of ethics that Pennsylvania also requires.

Pennsylvania places no cap on self-study or online hours, so all 5 hours count in full. After this course you will need the balance of your 24 hours, including the 3-hour ethics requirement, from separately approved courses.

✅ Pennsylvania Continuing Education Requirements

Pennsylvania requires 24 credit hours of approved continuing education in each two-year licence term, and since 29 April 2025 at least 3 of those hours must cover ethics. Producers licensed before that date had until 29 April 2026, or the end of their current licence period if later, to bring the ethics hours in. The ethics hours count inside the 24 rather than on top of them.

• 24 credit hours of approved continuing education in each two-year licence term
• At least 3 of the 24 must be ethics
• Property & Casualty licensees must also complete at least 2 hours on flood insurance
• Licences renew every two years on the producer's birthday
• Up to 24 hours may be carried over into the next licence term
• The same course cannot be repeated for credit inside one two-year period

Two product gates sit outside the general requirement. Producers selling long-term care must complete an initial 8-hour training course and a 4-hour refresher each period after that. Producers licensed after 20 June 2022 who sell annuities must complete a 4-hour Annuity Best Interest course. Nonresident producers are exempt from Pennsylvania's continuing education requirement entirely, as are licensees holding only limited lines or surplus lines authority. Failing to complete the minimum results in the voluntary termination of the licence.

How this course helps: This 5-hour course contributes 5 of the 24 credit hours required in each two-year licence period. It is general credit, so it does not count toward the 3-hour ethics requirement. The balance of your 24 hours must be completed separately.

✅ When Do Licensees Renew?

Pennsylvania producer licences run on a two-year term and renew on the producer's birthday. Continuing education must be complete before you renew – the Department will not process a renewal for a licensee who has not met the requirement, and failing to complete it results in the voluntary termination of the licence. Confirm your own expiration date on your licence record rather than assuming a calendar deadline.

✅ How to Renew Your Pennsylvania License

1. Confirm your licence expiration date and your lines of authority. Pennsylvania renews on your birthday, every second year.
2. Work out what you still owe: 24 hours in total, at least 3 of them ethics, plus at least 2 hours of flood if you hold Property & Casualty authority.
3. Check whether a product gate applies – the 8-hour initial and 4-hour ongoing long-term care training, or the 4-hour Annuity Best Interest course if you were licensed after 20 June 2022 and sell annuities.
4. Complete your hours from courses individually approved in Pennsylvania. Each course requires progressive completion by topic, study quizzes passed at 70 percent, and a certificate exam passed at 70 percent.
5. Allow reporting time. Certificates process within two business days and are reported to the state in the same window, but do not leave it to the final days.
6. Check your transcript through Sircon and confirm the ethics and flood hours posted in the right categories rather than as general credit.
7. Renew your licence and confirm it shows active with an updated expiration date.

Pennsylvania allows up to 24 hours of carryover into the next licence term, so finishing early is not wasted the way it is in a no-carryover state. A course still cannot be repeated for credit inside the same two-year period.

✅ What You Will Learn

• Compare term, whole life and universal life designs on cost, guarantees and flexibility
• Explain cash value, dividends and nonforfeiture options without overstating guarantees
• Distinguish fixed, indexed and variable annuities and the risk each transfers
• Apply the tax rules that govern death benefits, cash value growth and 1035 exchanges
• Read an illustration and identify the assumptions that create lapse risk
• Handle beneficiary designations and replacements to the required standard

✅ Course Content Overview

Hour 1 – Life Insurance Foundations and Product Fit in Retirement Planning

Core life insurance concepts including insurable interest, underwriting classification and the contract provisions common to every policy. Covers term life policy design and its conversion privileges, an overview of the permanent product families, and the needs analysis and suitability basics that determine which product genuinely fits a client's retirement plan.

Hour 2 – Permanent Life Insurance Features, Policy Performance and Client Expectations

Whole life policy components including guaranteed cash value, dividends and paid-up additions, and the universal life variations from current assumption through indexed and variable designs. Covers riders and benefit enhancements, and how to read policy illustrations, test performance assumptions and explain lapse risk before a client relies on the numbers.

Hour 3 – Annuity Products Beyond the Basics and Their Role in Retirement Income

Annuity fundamentals and the accumulation-to-distribution structure. Covers fixed, indexed and variable contracts and their risk profiles, the distribution options and guaranteed income features clients buy them for, and the contract costs and constraints — surrender periods, market value adjustments and rider charges — that shape the real outcome.

Hour 4 – Taxation and Retirement Planning Integration for Life Insurance and Annuities

Tax basics for life insurance, including the income tax treatment of the death benefit, cash value growth, policy loans and modified endowment contract status. Covers annuity taxation concepts, how both products integrate with the rest of a retirement plan, and the exchange and repositioning rules that apply when coverage is restructured.

Hour 5 – Estate Planning Uses, Policy Replacement Standards and Compliance Expectations

Beneficiary designations and ownership structures, and the consequences of getting either wrong. Covers life insurance in estate and business planning, the replacement and exchange risks that trigger heightened disclosure, and the compliance and documentation standards that support the recommendation if it is ever questioned.

✅ Other Pennsylvania Insurance CE Courses & Packages

Save with a package – everything in one purchase:

• 24-Hour Life and Health CE Package - Pennsylvania – $69.99
• 24-Hour Property and Casualty CE Package - Pennsylvania – $69.99

Individual Pennsylvania insurance CE courses:

• 3 Hour Ethics for Insurance Agents - Pennsylvania – $19.99
• 3 HRs Emerging Risks and Specialty Coverages - Pennsylvania – $19.99
• 3 Hrs Insurance Fraud and Claims Handling (P&C Focus) - Pennsylvania – $19.99
• 3-Hour Flood Insurance (NFIP) - Pennsylvania – $19.99
• 4 HRs Commercial Lines Insurance Essentials - Pennsylvania – $19.99
• 4 HRs Health Insurance and Affordable Care Act Updates - Pennsylvania – $19.99
• 4 HRs Homeowners Insurance Overview - Pennsylvania – $19.99
• 4 HRs Medicare Advantage and Part D Update - Pennsylvania – $19.99
• 4 Hrs Ongoing Long-Term Care Insurance Partnership Training - Pennsylvania – $19.99
• 4 HRs Personal Auto and Umbrella Insurance - Pennsylvania – $19.99
• 4-Hour Annuity Best Interest/Suitability - Insurance Agent CE- Pennsylvania – $19.99
• 8 Hours Initial Long-Term Care Insurance Partnership Training - Pennsylvania – $39.99

All courses are Pennsylvania-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?

• Approved provider and approved course in Pennsylvania
• Affordable at $19.99
• 100% online and self-paced
• Log in and out anytime without losing progress
• Instant emailed certificate
• We report your completion for you
• Money-back guarantee
• Over 10 years of continuing education experience
• Support by phone or text at 1-800-698-2770

✅ Enroll Now

Enroll in 5 HRs Life Insurance Products and Retirement Planning for $19.99 and complete your 5 approved hours online, on your schedule. Questions before you buy? Call or text 1-800-698-2770.