5 HRs Life Insurance Products and Retirement Planning - Utah

✅ Approved by Utah Insurance Department | Provider #208209 | Course #46993 | Only $19.99 | Instant Emailed Certificate | 100% Online & Self-Paced

Earn 5 approved continuing education hours toward your Utah insurance producer renewal with a Utah Insurance Department-approved online course for only $19.99. The course is fully online and self-paced, so you can enroll and work through it on your own schedule.

Log in and out as often as you like without losing your progress. When you finish, your certificate is emailed to you immediately, and 1st Choice CE reports approved completions to Utah electronically. Every course is backed by our money-back guarantee, and support is available by phone or text at 1-800-698-2770.

✅ Course Details

• Course Name: 5 HRs Life Insurance Products and Retirement Planning - Utah
• Approved By: Utah Insurance Department
• Provider Number: 208209
• Course Number: 46993
• Course Length: 5 credit hours
• Course Category: Life
• Course Format: 100% online, self-paced
• Price: $19.99
• Certificate: Emailed immediately upon completion
• Reporting: 1st Choice CE reports approved completions to Utah
• Support: Phone or text 1-800-698-2770

✅ Who Should Take This Course?

• Utah licensed resident insurance producers renewing a license with life authority
• Producers who need 5 approved hours toward the 24-hour Utah requirement
• Agents who want current, practical life insurance & retirement ce knowledge, not filler credit
• New producers building a working foundation in this coverage area
• Experienced agents refreshing before a renewal deadline
• Agency staff who support producers and want the same technical grounding

✅ Does This Course Satisfy the State Requirement?

This course provides 5 approved credit hours toward the 24-hour Utah continuing education requirement. It does not by itself satisfy the full renewal requirement, and it does not satisfy the 3-hour ethics requirement. Utah limits self-study to 12 of the 24 required hours, so confirm your classroom and classroom-equivalent balance before relying on self-paced coursework.

✅ Utah Continuing Education Requirements

Utah resident insurance producers complete 24 credit hours of Utah-approved continuing education during each two-year licensing period, including 3 hours of ethics. Utah is one of the states that limits self-paced study: at least half of the required hours — 12 of 24 — must be classroom or classroom-equivalent instruction, which means no more than 12 hours may be completed through home-study courses. Under the Department's rule, a course counts as classroom only when it involves two-way interaction with the instrument of instruction and student monitoring; a self-paced course without that interaction is home study. Excess hours do not carry over.

• 24 credit hours of Utah-approved continuing education per two-year licensing period
• 3 of those 24 hours must be ethics courses; the remaining 21 may be in any line of insurance
• At least 12 of the 24 hours must be classroom or classroom-equivalent instruction
• No more than 12 hours may be home study, which is the category most self-paced online courses fall into
• No more than 12 hours may come from courses provided by insurers
• Excess hours cannot be carried over to the next licensing period
• Title insurance producers have a reduced requirement of 12 hours, including 3 ethics hours

How this course helps: This 5-hour course provides 5 approved credit hours toward the 24 hours Utah requires for each two-year licensing period. It applies as general credit and does not satisfy the separate 3-hour ethics requirement, so at least 19 additional hours — including your 3 ethics hours — must be completed separately. Because Utah requires at least 12 of the 24 hours to be classroom or classroom-equivalent, this self-paced course counts against the 12-hour self-study allowance — plan the rest of your hours accordingly.

✅ When Do Licensees Renew?

Utah individual producer licenses renew every two years and expire in the licensee's birth month. Continuing education must be complete before the renewal will process — and Utah goes a step further than most states: all CE must be posted by the provider before a renewal can be processed, not merely completed. Providers have up to 14 days to post a completion, so finishing coursework in the final two weeks before expiration puts the renewal at risk. Electronic renewal is available until 10:00 p.m. Mountain time on the expiration date. There is no grace period, though a one-year reinstatement window follows expiration.

✅ How to Renew Your License

Step 1: Confirm your expiration date and license type

Utah individual licenses expire in your birth month every two years. Confirm the exact date and the lines of authority on your license record.

Step 2: Check your classroom versus home-study balance

Pull your Utah CE transcript and count how many of your posted hours are classroom or classroom-equivalent. You need at least 12 in that category, so identify the gap early.

Step 3: Complete the 24 hours, including 3 ethics hours

Finish all required coursework, making sure the ethics requirement is satisfied by courses approved in the ethics category.

Step 4: Finish at least three weeks early so credits can post

Providers have up to 14 days to post completions and Utah will not process a renewal until the credit appears. Build in that buffer deliberately.

Step 5: Verify the transcript before renewing

Review your continuing education transcript for the applicable review period and confirm every course posted with the right hours and category.

Step 6: Renew online and pay the fee

Complete the renewal through the licensing system the Department directs licensees to, before 10:00 p.m. Mountain time on the expiration date, and pay the renewal fee.

Step 7: Keep your proof on file

Utah requires producers to retain proof of completion and may audit CE hours by mail. Save your certificates and confirm your license shows active with a new expiration date.

✅ What You Will Learn

• How term, whole, universal, indexed and variable life differ in cost and guarantees
• Policy mechanics: cash value, cost of insurance, surrender charges and lapse risk
• Needs analysis methods for determining an appropriate face amount
• How annuities generate retirement income and what each type guarantees
• Tax treatment of death benefits, cash value, loans and annuity distributions
• Suitability and best-interest duties when recommending life and annuity products

✅ Course Content Overview

Hour 1 – Life Insurance Fundamentals

Insurable interest, underwriting and risk classification, the application and policy delivery process, the incontestability and suicide clauses, and the standard policy provisions and nonforfeiture options.

Hour 2 – Term and Permanent Products

Level, decreasing and annual renewable term; conversion privileges; whole life guarantees and dividends; and how permanent coverage builds cash value.

Hour 3 – Universal, Indexed and Variable Products

Flexible premium mechanics, the cost of insurance drag, secondary guarantees, indexed crediting with caps, participation rates and floors, and the securities-registered nature of variable products.

Hour 4 – Annuities and Retirement Income

Fixed, indexed and variable annuities; accumulation and payout phases; annuitization options; guaranteed lifetime withdrawal benefits; surrender charge schedules; and free withdrawal provisions.

Hour 5 – Taxation, Suitability and Best Interest

Income-tax-free death benefits, inside buildup, policy loans, modified endowment contracts, annuity exclusion ratios, required minimum distributions, and the suitability and best-interest standards that govern recommendations.

✅ Other Related Courses

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

✅ Why Choose 1st Choice CE?

• Approved by the Utah Insurance Department — provider #208209
• Affordable at $19.99 with no hidden fees
• 100% online and self-paced — log in and out anytime without losing progress
• Instant emailed certificate the moment you finish
• We report approved completions to Utah
• Money-back guarantee
• Over 10 years of continuing education experience
• Support by phone or text at 1-800-698-2770

✅ Enroll Now

Enroll in 5 HRs Life Insurance Products and Retirement Planning - Utah today for $19.99. The course is fully online and self-paced, your certificate is emailed the moment you finish, and every enrollment is backed by our money-back guarantee. Questions? Call or text 1-800-698-2770.