Course Description

4-Hour Annuity Best Interest/Suitability – Insurance Agent CE – Vermont

Approved by the Vermont Department of Financial Regulation | Provider #500032164 | Course ID #6000205431 ✅
Only $19.99 — No added or extra fees (includes Vermont’s $4.80 reporting fee)

Meet Vermont’s NAIC Best-Interest annuity training in a fast, affordable, fully online format. This 100% self-paced course lets you log in/out anytime, finish on your schedule, and download an instant certificate. We report your credits within 24 hours. With 10+ years serving thousands nationwide, 1st Choice CE keeps your CE simple and transparent.

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Who Should Take This Course?

• Vermont resident/nonresident insurance producers/agents who sell, solicit, or negotiate annuities

• New annuity writers needing the one-time 4-hour Best-Interest training before selling

• Experienced agents seeking a concise refresher on disclosures, documentation, and senior-client safeguards

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Vermont CE & Renewal — What to Know

• Most producers: 24 total CE hours every 2 years, including 3 hours of Ethics.

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

• Transparent pricing: Many providers add Vermont’s $1.60 per CE hour reporting fee at checkout. Your $19.99 price already includes $4.80—no surprises.

• Delivery: 100% online and self-paced; progress saves automatically.

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How to Renew (Step-by-Step)

Step 1 — Plan your CE. Target 24 hours in your two-year cycle (including 3 Ethics). If you sell annuities, complete the one-time 4-hour Best-Interest training.
Step 2 — Complete this course online. Learn anywhere, anytime; your place is saved.
Step 3 — Get your instant certificate. Download immediately for your records and carrier appointments.
Step 4 — We report within 24 hours. Your credits are submitted promptly to Vermont.
Step 5 — Renew on time. File your renewal by your due date and retain your certificate.

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

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

Hour 2 — Producer Duties Across the Sales Process
Consumer profile data; needs analysis & reasonable-basis determinations; product feature & risk disclosure (fees, surrenders, caps/spreads, market risk); compensation/conflict disclosures; replacements & 1035 exchanges; serving seniors & vulnerable adults.

Hour 3 — Annuity Products, Riders & Risk–Reward
Fixed/indexed/variable annuities; riders (GLWB/GMWB, GMAB, death benefits, NH waivers); surrenders, MVAs & free-look; fees & opportunity cost; taxation basics (deferral, RMDs, penalties); limits on illustrations/back-tests.

Hour 4 — Supervision, Advertising, Ethics & Case Studies
Insurer supervision & file review; advertising rules (digital/social/seminar); prohibited practices (twisting/churning/misrepresentation); complaints & remediation; multi-state nuances/reciprocity; applied case studies with full documentation.

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Why Choose 1st Choice CE?

✅ Vermont-Approved (Provider #500032164, Course #6000205431)
✅ $19.99 flat — no extra fees (reporting included)
✅ 100% Online & Mobile-Friendly
✅ Self-Paced — Log in/out anytime
✅ Instant Certificate
✅ Credits Reported Within 24 Hours
✅ Money-Back Guarantee
✅ Support by Call or Text — 1-800-698-2770

Course Details

• Approved by Vermont Department of Financial Regulation
• Approved Provider #500032164
• Approved Course #6000205431
• 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.