3 Hour Ethics for Insurance Agents - Virginia

✅ Approved by Virginia Insurance Continuing Education Board | Provider #164929 | Course #229598 | Only $22.99 | Instant Emailed Certificate | 100% Online & Self-Paced

Earn 3 approved hours toward your Virginia insurance license continuing education with a course approved by the Virginia Insurance Continuing Education Board for only $22.99. The hours apply to your 16-hour requirement and the course is approved in the Ethics category, so you can enroll online and start on your own schedule.

The course is 100% online and self-paced. Log in and out as often as you need without losing progress. Your certificate is emailed the moment you finish, and 1st Choice CE reports your completion to Virginia.

✅ Course Details

• Course name: 3 Hour Ethics for Insurance Agents
• Approved by: Virginia Insurance Continuing Education Board
• Provider number: 164929
• Course number: 229598
• Course length: 3 hours
• Course category: Ethics
• Course format: 100% online, self-paced
• Price: $22.99
• Certificate: emailed immediately after completion
• Reporting: 1st Choice CE reports your completion to Virginia
• Page URL: https://1stchoice-ce.com/courses/checkout/virginia/3-hour-ethics-for-insurance-agents-virginia/
• Support: call or text 1-800-698-2770

✅ Who Should Take This Course?

• Licensed resident and nonresident insurance producers
• Life, accident and health agents
• Property and casualty agents and personal lines producers
• Producers who need to satisfy a mandated ethics requirement at renewal
• Agency owners and managers responsible for producer conduct
• Newly licensed agents building good habits before their first renewal

✅ Does This Course Satisfy the State Requirement?

This course provides 3 approved hours toward the 16 credit hours a single-category Virginia agent must complete each biennium, or the 24 hours required when you hold more than one category. Because this is an approved ethics course, these 3 hours are the hours that satisfy Virginia's requirement for 3 credit hours of insurance ethics, which may include Virginia insurance law and regulations. It does not satisfy the whole requirement on its own - you still need the remaining general hours.

If you hold more than one license category your requirement is 24 hours rather than 16, with a minimum of eight hours in each category you hold. No more than 75 percent of your required credits may come from courses provided by insurance companies or agencies.

✅ Virginia Continuing Education Requirements

Under Virginia Code § 38.2-1866, an agent licensed in a single license category completes 16 hours of continuing education each biennium. An agent holding licenses in more than one category completes 24 hours, with a minimum of eight credit hours in each category held. Of the total required credits for each biennium, three credit hours must be in insurance ethics, which may include insurance law and regulations applicable in the Commonwealth.

• 16 hours per biennium for a single license category
• 24 hours per biennium if you hold more than one category, with at least 8 hours in each category held
• 3 of the total credits must be in insurance ethics, which may include Virginia insurance law and regulations
• No more than 75 percent of required credits may come from courses provided by insurance companies or agencies
• Single categories include life and annuities, health, property and casualty, personal lines, and title

Virginia exempts agents licensed during the final 13 months of a two-year period from the requirement for that biennium, under § 38.2-1871. Nonresident agents who meet their home state's requirements and consultants who satisfy the requirement for each license category held are also addressed there. Check your own license record rather than assuming an exemption applies.

How this course helps: This 3-hour course contributes 3 of the 16 credit hours a single-category Virginia agent must complete each biennium, or the 24 hours required when you hold more than one category. It is approved in the Ethics category. Because this is an approved ethics course, these 3 hours are the hours that satisfy Virginia's requirement for 3 credit hours of insurance ethics, which may include Virginia insurance law and regulations. It does not complete the rest of your renewal on its own.

✅ When Do Licensees Renew?

Virginia agents renew on a two-year biennium. Confirm your own biennium end date on your license record, because it is set from your licensing history rather than from a single statewide date.

✅ How to Renew Your Virginia License

1. Confirm your license categories and your biennium end date on your Virginia license record.
2. Work out your total: 16 hours for a single category, or 24 hours with at least 8 in each category if you hold more than one.
3. Complete the 3 required ethics credits from an approved ethics course, and the remaining hours in the categories you hold.
4. Complete every hour before the last day of your biennium, and allow provider reporting time before that date.
5. Check your Virginia CE transcript and confirm each course posted in the correct category.
6. Complete the Bureau of Insurance renewal for your license and pay the applicable fee.
7. Confirm your license shows active status with an updated expiration date, and keep your completion certificates.

Virginia expects the required credits to be completed within the biennium. Do not rely on a grace period; check your own license record for your biennium end date and finish ahead of it.

✅ What You Will Learn

• Identify the duties a producer owes the client, the insurer and the public and explain where they conflict
• Apply suitability and needs-based selling standards to a real recommendation
• Handle premium funds and client money in line with fiduciary obligations
• Recognize misrepresentation, twisting, churning and other unfair trade practices before they happen
• Apply disclosure, advertising and replacement standards correctly
• Protect client privacy and nonpublic personal information in daily practice

✅ Course Content Overview

Hour 1: What ethics means in an insurance context: the difference between what is legal and what is right, the duties a producer owes to the client, to the insurer and to the public, and how those duties conflict in ordinary situations. The hour covers agency and authority, fiduciary responsibility, the handling of premium funds and client money, and the standard of care a licensee is held to. It closes with a framework for working through an ethical decision rather than reacting to one.

Hour 2: Ethics in the sales process: suitability and needs-based selling, the information a producer must gather before making a recommendation, disclosure obligations and advertising standards, replacement rules and why replacement draws regulatory attention, and compensation transparency and conflicts of interest. The hour works through misrepresentation, twisting, churning and rebating with examples of how each one starts small.

Hour 3: Privacy, recordkeeping and accountability: protecting nonpublic personal information, the practical security a small agency owes its clients, complaint handling and the duty to cooperate with the department, and the disciplinary consequences of unfair trade practices. The hour ends with the ethical obligations that continue after the sale, when the client needs service or files a claim.

✅ Other Virginia Insurance CE Courses

• 3-Hour Flood Insurance (NFIP) - Virginia – $22.99
• 4-Hour Annuity Best Interest and Suitability - Virginia – $22.99
• 4 Hrs Ongoing Long-Term Care Insurance Partnership Training - Virginia – $22.99
• 3 HRs Emerging Risks and Specialty Coverages - Virginia – $22.99
• 3 Hrs Insurance Fraud and Claims Handling (P&C Focus) - Virginia – $22.99
• 4 HRs Commercial Lines Insurance Essentials - Virginia – $22.99
• 4 HRs Health Insurance and Affordable Care Act Updates - Virginia – $22.99
• 4 HRs Homeowners Insurance Overview - Virginia – $22.99

✅ Why Choose 1st Choice CE?

• Approved provider and approved course in Virginia
• Affordable at $22.99
• 100%% online and self-paced
• Log in and out anytime without losing progress
• Instant emailed certificate
• We report your completion for you
• Money-back guarantee
• Over 10 years of continuing education experience
• Support by phone or text at 1-800-698-2770

✅ Enroll Now

Enroll in 3 Hour Ethics for Insurance Agents for $22.99 and complete your 3 approved hours online, on your schedule. Questions before you buy? Call or text 1-800-698-2770.