Course Description

3 Hour Ethics for Insurance Agent CE Course – Utah

Approved by the Utah Insurance Department | Provider #208209 | Course ID #46172 ✅
Only $19.99 | No added or extra fees | Instant Certificate | 100% Online & Self-Paced

Meet Utah’s Ethics CE requirement the simple way with this Utah-approved 3-hour Ethics course for insurance agents. It’s built for busy producers who want clear, practical guidance on ethical decision-making, compliant client communication, and real-world situations that can trigger complaints, E&O exposure, or regulator scrutiny.

This course is 100% online and self-paced. You can log in and out anytime without losing your progress. When you finish, you’ll receive an instant certificate of completion, and we report your credits within 24 hours. With over 10 years in continuing education, 1st Choice Continuing Education is trusted by thousands of licensees nationwide. Need help? Call or text 1-800-698-2770.

✅ Important: We do not add Utah’s $1.25 per CE credit-hour fee at checkout (that’s $3.75 on a 3-hour course). It’s included in the price. ✅

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✅ Who Should Take This Course?

This course is ideal for:

✅ Utah resident insurance producers who need Ethics CE to renew on time
✅ Life & Health producers
✅ Property & Casualty producers
✅ Multi-line producers who want a straightforward way to complete the required 3 Ethics hours
✅ Agents who want stronger protection against conflicts of interest, misleading advertising, documentation gaps, and privacy/cyber issues

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

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✅ Utah Insurance CE & Renewal — What to Know

Utah insurance licenses renew every two years on the last day of your birth month.

✅ Most producers/adjusters (major lines): 24 total CE hours every 2 years
✅ Ethics requirement: 3 hours (part of the total) must be Ethics each renewal cycle
✅ Classroom-equivalent requirement: At least 12 hours must be classroom or classroom-equivalent
✅ Insurer-provided limit: No more than 12 hours may come from insurer-provided courses
✅ Title producers: Often have a different CE requirement (commonly 12 total hours, including 3 Ethics)
✅ Long-tenured licensees: Some long-tenured licensees may qualify for a reduced CE requirement (Ethics still applies)

This course provides 3 hours of Ethics, designed to help you satisfy Utah’s Ethics requirement for renewal.

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

✅ Step 1: Confirm your renewal deadline
Your Utah license renews every two years, due on the last day of your birth month.

✅ Step 2: Verify your CE requirement
Most producers need 24 total hours, including 3 hours of Ethics and at least 12 hours classroom-equivalent.

✅ Step 3: Complete this 3-hour Ethics course online ✅
Self-paced, mobile-friendly, and you can log in/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 using Utah’s approved electronic renewal system before your expiration date.

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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 real scenarios)
✅ Conflicts of interest and clear, timely disclosures that support informed consent
✅ Truthful advertising and communications (including social media, illustrations, and comparisons)
✅ Ethical recommendations, replacements, and avoiding churning/twisting with defensible documentation
✅ Elder and vulnerable client protections (red flags, pause-points, escalation and reporting)
✅ 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 personal information and incident basics)
✅ AML awareness, fraud prevention, and how to respond to common red flags
✅ Ethical documentation and strong record-retention practices that withstand audits and complaints
✅ Complaint handling, corrective action, and when remediation or self-reporting may be warranted
✅ Supervision, training, and delegation ethics inside agencies (limits, checklists, audit habits)

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

✅ Life and annuities ethics (fact-finding, comparisons, replacement forms, rationale documentation)
✅ Health/Medicare and disability ethics (networks, total cost clarity, avoiding pressure tactics)
✅ Property & Casualty ethics (coverage adequacy vs. price, exclusions, renewal check-ins)
✅ Commercial lines ethics (clear options, key conditions, coverage availability and cost drivers)
✅ Post-sale duties (service expectations, renewals, life-event reviews, continuity of guidance)
✅ Ethical use of technology, AI, and comparative raters (bias checks, validation, and human review)

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✅ Why Choose 1st Choice CE?

✅ Utah-approved Ethics CE (Provider #208209 | Course #46172)
✅ Only $19.99 — No added or extra fees
✅ We do not add Utah’s $1.25/credit-hour fee 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 Utah Insurance Department  
• Approved Provider # 208209
• Approved Course # 46172
• 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.