Course Description

4-Hour Annuity Best Interest/Suitability – Texas

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)

Meet the Texas Annuity Best-Interest training requirement in a fast, fully online format. This 100% self-paced course lets you log in/out anytime, finish on your schedule, and download an instant certificate at completion. We report your credits to TDI within 24 hours. With 10+ years serving thousands of licensees nationwide, 1st Choice CE keeps your CE simple and transparent.

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Who Should Take This Course?

Texas resident and nonresident insurance producers/agents who sell, solicit, or negotiate annuities and need the one-time 4-hour Annuity Best-Interest course. It’s ideal for life/annuity agents, financial professionals, and agency staff who discuss retirement income solutions with clients. (Carrier product-specific training may also be required by each insurer.)

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Texas CE & Renewal — What to Know

• Most producers: 24 total CE hours every 2 years, including at least 2 hours of Ethics (CE may be completed online; Texas uses 50-minute hours).

• Annuity training: Texas follows the NAIC Best-Interest model; producers must complete a one-time 4-hour best-interest/suitability course before selling annuities (this course).

• State filing fee: TDI charges $1.30 per CE hour. Many providers add it at checkout. Your $19.99 price already includes the full $5.20—no surprises.

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How to Renew (Step-by-Step)

Step 1 — Confirm your CE plan.
You’ll need 24 hours every 2 years (with 2 Ethics), plus the one-time 4-hour annuity best-interest training if you sell annuities.

Step 2 — Complete this 4-Hour Annuity Best-Interest course online.
Self-paced on any device; your progress saves automatically.

Step 3 — Download your instant certificate.
Keep it for your records and for carrier appointments.

Step 4 — We report for you.
Your credits are reported to TDI within 24 hours.

Step 5 — Renew with TDI.
Submit your license renewal before your due date (and complete any carrier product-specific training they require).

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What You’ll Learn — Course Outline (4 Hours, Texas 50-Minute Hours)

(From the approved syllabus.)

Hour 1 — Regulatory Framework & Best-Interest Standard
NAIC Best-Interest model purpose; core definitions (recommendation, consumer profile, material conflict, replacement); duties of care/disclosure/conflict-mitigation; suitability vs. best-interest; insurer vs. producer roles & supervision; documentation/retention & handling consumer refusals.

Hour 2 — Producer Duties Across the Sales Process
Gathering required consumer profile data; needs analysis & reasonable-basis determinations; feature and risk disclosures (surrenders, charges, caps/spreads, market risk); compensation/conflict disclosures; replacements & 1035 comparisons; serving seniors/vulnerable adults and escalation pathways.

Hour 3 — Annuity Products, Riders & Risk–Reward
Fixed, indexed, and variable annuities—guarantees & use cases; riders (GLWB/GMWB, GMAB, DB, NH waivers); surrenders, MVAs, free-look; explicit/implicit fees & opportunity cost; tax basics (deferral, RMDs, 10% penalty pre-59½, qualified vs. non-qualified); illustrations/hypotheticals & limits.

Hour 4 — Supervision, Advertising, Ethics & Case Studies
Insurer supervision programs and red-flag triggers; what counts as advertising and required approvals; prohibited practices (twisting/churning/misrepresentation); complaints/rescission/remediation; multi-state forms & reciprocity; applied case studies to practice documentation, disclosures, and conflict mitigation.

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Why Choose 1st Choice CE?

✅ TDI-Approved (Provider #233452, Course #145611)
✅ $19.99 flat — no extra fees (TDI filing fee included)
✅ 100% Online & Mobile-Friendly
✅ Self-Paced — Log in/out anytime
✅ Instant Certificate
✅ State Reporting Within 24 Hours
✅ Money-Back Guarantee
✅ Support by Call or Text — 1-800-698-2770

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See Our Other Texas Insurance Online Courses

✅ 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)
✅ 4-Hour Annuity Best-Interest/Suitability — Texas ($19.99, no extra fees)

FAQ — Texas Insurance CE (applies to Ethics, Flood (NFIP), LTC Partnership Ongoing, and Annuity Best-Interest)

✅ Does this course count toward my 24 total CE hours in Texas?
Yes. Each course awards the stated number of CE hours and counts toward your 24-hour, 2-year requirement. Ethics satisfies the Ethics portion; LTC Partnership Ongoing satisfies the ongoing 4-hour LTCP refresher; Annuity Best-Interest satisfies the one-time 4-hour annuity training; Flood (NFIP) counts as general CE.

✅ Do I also need product-specific training from carriers?
Sometimes. Annuities almost always require insurer product-specific training in addition to this NAIC best-interest course. Some carriers may also require product modules for LTC. Check your carrier/GA appointment requirements.

✅ Is the TDI filing fee included in the price?
Yes. Texas charges $1.30 per CE hour. Your $19.99 price already includes the filing fee ($3.90 for 3-hour courses; $5.20 for 4-hour courses). No added or extra fees.

✅ How fast do you report my credits to TDI?
Within 24 hours of completion. You’ll also receive an instant certificate for your records.

✅ Is the course 100% online and self-paced?
Yes. You can log in and out anytime from any device and your progress is saved.

✅ Are there quizzes or a final exam?
You’ll see brief knowledge checks to reinforce learning. If a final assessment is presented, you’ll have unlimited retakes and clear feedback.

✅ When should I complete CE relative to my renewal date?
Complete all required CE before your license expiration so TDI has your credits on file when you renew.

✅ Does Ethics have to be a separate course?
Texas requires at least 2 hours of Ethics within your 24 hours. Our 3-Hour Ethics course covers that requirement and counts toward your total hours.

✅ Is the Annuity Best-Interest training one-time or recurring?
One-time (4 hours) under the NAIC Best-Interest model—complete it before soliciting/selling annuities. Carrier product-specific training may recur per insurer rules.

✅ How often is LTC Partnership training required?
After the initial 8-hour course, Texas requires 4 hours of Ongoing LTC Partnership training every 24 months. Our LTC course fulfills that ongoing requirement.

✅ Do nonresidents licensed in Texas qualify?
Yes. Resident and nonresident Texas licensees can take these courses; credits are reported to TDI the same way.

✅ What if plans change—do you offer a guarantee?
Yes. We offer a money-back guarantee and friendly support by call or text at 1-800-698-2770.

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.