Course Description

4-Hour Annuity Best Interest/Suitability – Texas (Self-Study SS)

Approved by the Texas Department of Insurance (TDI) | Provider #233452 | Course ID #145611 ✅
Only $19.99 — No added or extra fees (the $5.20 TDI filing fee is already included)

Instruction Method: Self-Study (SS) ✅

Stay compliant and protect your clients with this Texas-approved 4-hour Annuity Best Interest/Suitability course. Built for busy insurance professionals, this course is 100% online and self-paced. Log in and out anytime without losing your place, download your instant certificate as soon as you finish, and we report your credits within 24 hours of completion. With over 10 years in the business, 1st Choice Continuing Education is trusted by thousands of licensees nationwide.

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Who Should Take This Course? ✅

This course is ideal for Texas insurance professionals who sell, recommend, or service annuity products, including:

✅ Life, Accident & Health (LAH) Agents
✅ General Lines Agents who also handle annuity-related conversations
✅ Agents who want a clear, practical refresher on best-interest expectations, disclosures, and documentation
✅ Licensees who need 4 hours of Texas CE and want a simple, affordable option

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Texas CE & Renewal — What to Know (Important) ✅

✅ Total CE requirement: Most Texas insurance agents complete 24 total CE hours every 2-year renewal cycle
✅ Ethics / Consumer Protection: 3 hours are required and count toward the 24-hour total
✅ Self-Study (SS) cap: Texas commonly allows a maximum of 12 hours of Self-Study (SS) per 2-year cycle
✅ CEQ/Classroom minimum: The remaining hours are typically completed as Classroom or Classroom Equivalent (CEQ)
✅ Renewal deadline: Renewal is on a 2-year cycle and is commonly tied to the last day of your birth month (check your Texas license record for your exact deadline)

What this means for you: This annuity course is Self-Study (SS). If you’re close to (or already at) the 12-hour SS limit, you’ll want your remaining hours to be CEQ/classroom-equivalent so they count toward renewal.

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

Step 1: Confirm your renewal deadline.
Check your Texas license account so you know your exact renewal date.

Step 2: Confirm your CE totals for your license type.
Most Texas agents complete 24 total hours per cycle, including 3 hours of Ethics/Consumer Protection.

Step 3: Plan your CE format (SS vs CEQ).
Texas commonly limits you to 12 hours of Self-Study (SS). Plan the rest as CEQ/classroom-equivalent so your credits apply correctly.

Step 4: Complete this 4-hour course online (Self-Study SS).
Work at your pace from any device. Log out and return anytime—your progress is saved.

Step 5: Download your instant certificate.
Your certificate is available immediately after completion for your records.

Step 6: We report your credits within 24 hours.
We report your completion to the state within 24 hours (often sooner).

Step 7: Submit your renewal.
Once your CE is complete (and reflected on your transcript), renew through the normal Texas renewal process.

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

Hour 1: Regulatory Framework and Best-Interest Standard

✅ NAIC model overview and consumer protection intent
✅ Key definitions (consumer profile, material conflict of interest, replacement, and more)
✅ Best-interest duties: care, disclosure, conflict mitigation, documentation
✅ Suitability vs. best interest: what changes in practice
✅ Roles of insurer and producer: supervision and review expectations
✅ Recordkeeping essentials, refusals, and self-directed purchases

Hour 2: Producer Duties Across the Sales Process

✅ Consumer profile data requirements (age, income, liquidity, objectives, risk tolerance, time horizon)
✅ Needs analysis and reasonable-basis recommendations
✅ Product features and risk disclosures (fees, surrender periods, caps/spreads, bonuses, market exposure)
✅ Compensation and conflict disclosures (and how to explain them clearly)
✅ Replacements and 1035 exchanges: structured comparisons and documentation
✅ Seniors and vulnerable adults: red flags and escalation pathways

Hour 3: Annuity Products, Riders, and Risk-Reward Characteristics

✅ Fixed, indexed, and variable annuities: use cases and key differences
✅ Riders and features (income, death benefits, waivers): cost vs. flexibility
✅ Surrenders, MVAs, partial withdrawals, and free-look considerations
✅ Fees, expenses, and opportunity cost (how costs affect outcomes)
✅ Tax basics: qualified vs. non-qualified, RMDs, early withdrawal penalties
✅ Illustrations and hypotheticals: labeling and non-guaranteed elements

Hour 4: Supervision, Advertising, Ethics, and Case Studies

✅ Insurer supervision and file review: red flags, remediation, oversight
✅ Advertising rules and approval expectations (digital, social, seminars)
✅ Prohibited practices: churning, twisting, misrepresentation, senior-event pitfalls
✅ Complaints, rescission concepts, timelines, and corrective action
✅ Multi-state nuances and training considerations
✅ Applied case studies to practice documentation, disclosures, and conflict mitigation

 

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Why Choose 1st Choice CE? ✅

✅ TDI-Approved Provider (#233452)
✅ $19.99 flat price — no added or extra fees (TDI filing fee included)
✅ 100% Online and Mobile Friendly
✅ Self-Paced — log in/out anytime without losing progress
✅ Instant Certificate of Completion
✅ Credits Reported Within 24 Hours
✅ Money-Back Guarantee
✅ Support by call or text — 1-800-698-2770
✅ Over 10 Years of Trusted CE Service

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Enroll Now — Just $19.99 ✅

If you want a simple way to earn Texas CE hours and sharpen annuity best-interest documentation and disclosures, this course is built for you.

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Need More Texas Insurance Hours? ✅

✅ 3-Hour Insurance Ethics — Texas ($19.99, no extra fees)
✅ 3-Hour Flood Insurance (NFIP) — Texas ($19.99, no extra fees)
✅ 4-Hour LTC Partnership — Ongoing Training — Texas ($19.99, no extra fees)
✅ 8-Hour Initial LTC Partnership Training — Texas ($39.99)

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FAQ — Texas Annuity Best Interest/Suitability CE (Self-Study SS) ✅

Is this a Self-Study (SS) course? ✅
Yes. This Texas 4-hour Annuity Best Interest/Suitability course is approved as a Self-Study (SS) course.

What does this course cover? ✅
It covers best-interest expectations and suitability fundamentals for annuity transactions, including producer duties, disclosures, conflicts of interest, replacements/1035 exchanges, documentation, supervision, advertising rules, and practical case studies.

How many CE hours do Texas insurance agents need to renew? ✅
Most Texas agents complete 24 total CE hours every 2-year renewal cycle, including 3 hours of Ethics/Consumer Protection.

Is there a cap on Self-Study (SS) hours in Texas? ✅
Yes. Texas commonly allows up to 12 hours of Self-Study (SS) per cycle. The remaining hours are typically completed as Classroom or Classroom Equivalent (CEQ).

If I already have 12 Self-Study (SS) hours, should I take this course?
If you’ve already hit your 12-hour SS cap, you’ll want your remaining CE to be CEQ/classroom-equivalent so it counts. Since this course is SS, it’s best taken earlier in your cycle or when you still have SS hours available.

Can I log in and out without losing my progress? ✅
Yes. The course is self-paced and your progress is saved automatically.

Do I get a certificate right away? ✅
Yes. You’ll receive an instant certificate of completion immediately after finishing.

How fast are credits reported? ✅
We report your completion within 24 hours.

Are there any extra fees at checkout? ✅
No. Your price is $19.99 total—no added or extra fees. The $5.20 TDI filing fee is already included.

What if I need help? ✅
Call or text 1-800-698-2770 for support.

Course Details

• Approved by Texas Department of Insurance
• Approved Provider #233452
• Approved Course #145611
• 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.