Course Description

4 Hour Annuity Best Interest/Suitability CE Course – Utah

Approved by the Utah Insurance Department | Provider #208209 | Course ID #46175 ✅
Only $19.99 | No added or extra fees | Instant Certificate | 100% Online & Self-Paced

Stay compliant and protect your clients with this Utah-approved 4-hour Annuity Best Interest/Suitability continuing education course. Built around modern best-interest standards, this self-study class walks you through producer duties, disclosures, documentation, and replacement reviews—so you can make defensible annuity recommendations and reduce complaint and E&O risk.

✅ Log in and out anytime without losing your place
✅ Instant certificate of completion when you finish
✅ Credits reported within 24 hours of completion
✅ Money-back guarantee
✅ Over 10 years serving licensees nationwide
✅ Support by phone or text: 1-800-698-2770

✅ Fee Note: We do not add Utah’s $1.25 per CE credit-hour fee at checkout (that’s $5.00 on a 4-hour course). It’s included in your $19.99.

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✅ Who Should Take This Course?

This course is ideal for:

✅ Utah-licensed insurance producers/agents who sell or plan to sell annuity products
✅ Producers who want a clear, repeatable best-interest process (client profile → analysis → recommendation → documentation)
✅ Agents who handle replacements/1035 exchanges and need structured comparisons and disclosure standards
✅ Producers who want stronger compliance habits around advertising, supervision, and recordkeeping
✅ Anyone who needs 4 Utah-approved CE hours in a practical, high-impact topic

Many carriers and states require one-time annuity best-interest training prior to selling annuity products. This course is designed to satisfy that training requirement in a clear, job-ready format.

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✅ Utah Insurance CE & Renewal — What to Know

Utah requires continuing education for most resident producers on a 2-year compliance cycle.

✅ Most producers (major lines): 24 total CE hours every 2 years
✅ Ethics requirement: 3 hours (part of the total 24)
✅ Classroom-equivalent requirement: at least 12 hours must be classroom or classroom-equivalent
✅ Insurer-sponsored limit: no more than 12 hours may come from insurer-provided courses
✅ Renewal timing: Licenses generally renew every two years, due on the last day of your birth month
✅ Important: Some license types (such as title) can have different hour requirements—always confirm your license type if you’re unsure

This course provides 4 hours toward your Utah CE total and is commonly used as one-time annuity best-interest training before selling annuity products.

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

✅ Step 1: Confirm your renewal deadline
Utah renewals are typically due every two years on the last day of your birth month.

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

✅ Step 3: Complete your online CE course(s) ✅
This course is 100% online and self-paced—log in/out anytime and continue where you left off.

✅ Step 4: Get 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 transcript updates quickly.

✅ Step 6: Renew your license
Submit your renewal before your deadline so you’re fully compliant and uninterrupted.

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✅ Topics Covered in This Course (4 Hours)

Hour 1: Regulatory Framework and Best-Interest Standard

✅ NAIC model overview and consumer-protection intent
✅ Key definitions (recommendation, consumer profile, material conflict of interest, replacement)
✅ Best-interest obligations: duties of care, disclosure, conflict mitigation, and documentation
✅ Suitability vs. best interest: what changed and why it matters
✅ Roles of insurer and producer: supervision programs, delegation limits, and carrier oversight
✅ Documentation and recordkeeping: capturing client decisions and handling consumer refusals/self-directed sales

Hour 2: Producer Duties Across the Sales Process

✅ Required consumer profile data (age, income, assets/liquidity, time horizon, objectives, risk tolerance)
✅ Needs analysis and reasonable basis: aligning product features with documented objectives
✅ Product features and risk disclosure (fees, surrender periods, bonuses, caps/spreads, market risk)
✅ Compensation and conflicts: required disclosures and practical explanations to consumers
✅ Replacements and 1035 exchanges: structured comparisons, costs, and lost benefits
✅ Seniors and vulnerable adults: red flags, elevated care standards, and escalation pathways

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

✅ Fixed, indexed, and variable annuities: guarantees, crediting methods, and typical use cases
✅ Common riders/features (GLWB/GMWB, GMAB, death benefits, nursing-home waivers)
✅ Surrenders, MVAs, and free-look: schedules, partial withdrawals, and cooling-off rights
✅ Fees, expenses, and opportunity cost: how costs affect outcomes
✅ Tax basics and suitability implications (qualified vs. non-qualified, RMDs, 10% penalty before 59½)
✅ Illustrations and hypotheticals: limits, labeling, and non-guaranteed elements

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

✅ Insurer supervision and file review: red flags, remediation, and producer oversight
✅ Advertising and consumer communications: what counts as advertising and approval expectations
✅ Prohibited sales practices: churning, twisting, misrepresentation, and unapproved materials
✅ Complaints, rescission, and remediation: timelines, corrective actions, and when rescission may apply
✅ Multi-state nuances and training: forms/affidavit variations, reciprocity, and ongoing training
✅ Applied case studies and ethics: practice documentation, disclosures, and conflict mitigation

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✅ Why Choose 1st Choice CE?

✅ Utah-approved course — Provider #208209 | Course #46175
✅ Only $19.99 — No added or extra fees
✅ Utah $1.25/credit-hour fee included (not added 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 #46175
• 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.