3 Hour Ethics for Insurance Agents - Tennessee

3 Hour Ethics for Insurance Agents - Tennessee

✅ Approved by Tennessee Department of Commerce and Insurance | Provider #500032204 | Course #6000207054 | Only $19.99 | Instant Emailed Certificate | 100% Online & Self-Paced

Earn 3 approved hours toward your Tennessee insurance license continuing education with a course approved by the Tennessee Department of Commerce and Insurance for only $19.99. The hours apply to your 24-hour, two-year requirement and the course is approved in the Ethics category, so you can enroll online and start on your own schedule.

The course is 100% online and self-paced. 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 electronically, as Tennessee requires providers to do within 30 days.

✅ Course Details

• Course name: 3 Hour Ethics for Insurance Agents
• Approved by: Tennessee Department of Commerce and Insurance
• Provider number: 500032204
• Course number: 6000207054
• Course length: 3 hours
• Course category: Ethics
• Course format: 100% online, self-paced
• Price: $19.99
• Certificate: emailed immediately after completion
• Reporting: 1st Choice CE reports your completion electronically, as Tennessee requires providers to do within 30 days
• Page URL: https://1stchoice-ce.com/courses/checkout/tennessee/3-hour-ethics-for-insurance-agents-tennessee/
• Support: call or text 1-800-698-2770

✅ Who Should Take This Course?

• Licensed resident and nonresident insurance producers
• Life, accident and health agents
• Property and casualty agents and personal lines producers
• Producers who need to satisfy a mandated ethics requirement at renewal
• Agency owners and managers responsible for producer conduct
• Newly licensed agents building good habits before their first renewal

✅ Does This Course Satisfy the State Requirement?

This course provides 3 approved hours toward the 24 credit hours a Tennessee producer must complete every two years. Because this is an approved ethics course, these 3 hours are the hours that satisfy Tennessee's requirement for 3 hours with a course concentration in ethics. It does not satisfy the whole requirement on its own - you still need the remaining general hours.

Tennessee treats an approved self-study course as worth the same number of hours as classroom instruction and sets no cap on self-study, so all of these hours count in full. Up to 12 excess hours carry into the next period, but ethics hours never carry over. If you hold property and casualty authority, the one-time 3-hour flood course is a separate mandated subject.

✅ Tennessee Continuing Education Requirements

Tennessee requires 24 credit hours of approved continuing education every two years following the last day of the producer's birth month, under Rule 0780-01-56-.08 and Tenn. Code Ann. § 56-6-107(c). Three of those hours must have a course concentration in ethics. The 24-hour total does not change with the number of lines you hold - a producer with both Life & Health and Property & Casualty authority still completes 24, not 48. Holding more lines changes which mandated subjects apply, not the total.

• 24 credit hours in every two-year continuing education period
• 3 of the 24 must be in a TDCI-approved course with a concentration in ethics
• One-time 3-hour flood insurance course for resident property and casualty producers, which counts toward the 24 for one period
• 24 hours is the total no matter how many lines of authority you hold
• No cap on self-study or online hours - all 24 may be completed online
• Up to 12 excess hours carry over to the next period, but ethics hours never carry over

Tennessee treats an approved self-study course as worth the same number of hours as classroom instruction, and sets no cap on self-study or online hours, so the full 24 may be completed online. A producer may carry a maximum of 12 excess hours into the next period, but carryover never applies to the ethics hours - those must be earned fresh every period. The same course cannot be repeated for credit within two years. Resident property and casualty producers have a one-time 3-hour flood insurance requirement that counts toward the 24 for one period. A producer continuously licensed in Tennessee since January 1, 1994 is exempt from continuing education altogether. Nonresident producers satisfy Tennessee by meeting their home state's requirement where that state reciprocates.

How this course helps: This 3-hour course contributes 3 of the 24 credit hours a Tennessee producer must complete every two years. It is approved in the Ethics category. Because this is an approved ethics course, these 3 hours are the hours that satisfy Tennessee's requirement for 3 hours with a course concentration in ethics. It does not complete the rest of your renewal on its own.

✅ When Do Licensees Renew?

Tennessee producer licences run 24 months from the last day of your birth month, and you renew on or before the end of your birth month every other year. The continuing education deadline and the licence expiration date are the same day. Tennessee emails a renewal notice to your business email about 90 days out.

✅ How to Renew Your Tennessee License

1. Confirm your expiration date and lines of authority. Your licence runs 24 months from the last day of your birth month.
2. Work out which mandated subjects apply. Everyone needs 3 ethics hours. Property and casualty producers also need the one-time 3-hour flood course if they have not already taken it.
3. Complete all 24 hours before the end of your birth month in your renewal year.
4. Finish early. Providers have up to 30 days to report electronically, and the state system takes roughly another 72 hours to sync, so a course finished in the last week of your birth month can block your renewal even though you completed it on time.
5. Check your education transcript in State Based Systems and confirm the ethics hours posted with the ethics concentration.
6. Renew online at NIPR.com. The renewal window opens 90 days before expiration, and NIPR will not accept the application until your CE shows as compliant.
7. Pay the $60 biennial renewal fee, then confirm your licence shows active with an updated expiration date. Keep your original completion certificates for two years, as the rule requires.

There is no grace period. The licence expires at the end of your birth month. A renewal fee received after the due date carries a penalty of double the unpaid fee. You may reinstate the same licence within 12 months of the due date without retaking the written examination, but after 12 months you must apply as a new applicant and satisfy every initial licensing requirement again, including the exam.

✅ What You Will Learn

• Identify the duties a producer owes the client, the insurer and the public and explain where they conflict
• Apply suitability and needs-based selling standards to a real recommendation
• Handle premium funds and client money in line with fiduciary obligations
• Recognize misrepresentation, twisting, churning and other unfair trade practices before they happen
• Apply disclosure, advertising and replacement standards correctly
• Protect client privacy and nonpublic personal information in daily practice

✅ Course Content Overview

Hour 1 – Core Ethical Duties of the Insurance Producer

Client interest as the producer's primary duty, and how conflicts of interest and compensation arrangements must be disclosed. Covers truthful advertising and communications, the duties that attach to recommendations, replacements and churning, the heightened protections owed to elder and vulnerable clients, and the fair-treatment and anti-discrimination obligations that apply across every line of business.

Hour 2 – Market Conduct, Compliance Foundations and Recordkeeping

Unfair trade practices and prohibited inducements, followed by privacy, data ethics and the cybersecurity duties a producer now carries for client information. Covers anti-money-laundering and fraud red-flag response, ethical documentation and record retention of five years or more, complaint handling, corrective action and self-reporting, and the supervision, training and delegation duties owed to staff.

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

Suitability and best-interest standards applied in practice to life and annuity sales; clarity about networks and total cost in health, Medicare and disability; the adequacy-against-price tension in property, casualty and personal lines; and transparency and risk education for commercial and small-business clients. Closes with post-sale duties — service, renewals and life-event reviews — and the ethical use of technology, AI and comparative raters.

✅ Other Tennessee Insurance CE Courses & Packages

Save with a package – everything in one purchase:

• 24 Hour Life & Health CE Package - Tennessee – $69.99
• 24-Hour Property & Casualty CE Package - Tennessee – $69.99

Individual Tennessee insurance CE courses:

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

All courses are Tennessee-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 Tennessee
• 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 3 Hour Ethics for Insurance Agents for $19.99 and complete your 3 approved hours online, on your schedule. Questions before you buy? Call or text 1-800-698-2770.