Course Description

4-Hour Annuity Best Interest/Suitability CE Online — Virginia
Approved by the Virginia Insurance Continuing Education Board ✅
Provider Number: 164929 | Course ID: 229601

$22.99 — No added or extra fees.
Other providers often add Virginia’s $2.60 per credit-hour “course credit hour fee” at checkout (that’s $10.40 for a 4-hour course). We do not add that fee.

✅ 100% Online & Self-Paced
✅ Log in and out anytime (your progress is saved)
✅ Instant certificate of completion
✅ Credits reported within 24 hours of completion
✅ Money-back guarantee
✅ Support: Call/Text 1-800-698-2770

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Course Description

This 4-hour Virginia-approved continuing education course is designed for insurance producers who want a clear, practical understanding of annuity best-interest and suitability expectations in today’s regulatory environment. You’ll learn how to document recommendations, manage and disclose conflicts of interest, compare replacement scenarios, and explain product features and risks in a way that supports compliant, client-centered decisions.

Whether you sell fixed, indexed, or variable annuities—or you’re adding annuities to your practice—this course helps you tighten your process from first fact-find to final documentation, with an emphasis on real-world sales workflows and regulator-ready files.

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Who Should Take This Course

This course is intended for:

• Virginia resident and nonresident insurance producers who need 4 hours of approved CE

• Producers who sell annuities and want a best-practice framework for compliant recommendations

• Agents who want practical guidance on consumer profiles, disclosure, replacements, and supervision expectations

• Producers seeking a streamlined online option with fast reporting and no hidden fees

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Virginia CE & Renewal — What to Know

Virginia insurance license renewal is typically tied to a biennial (every 2 years) renewal cycle, and most resident producers must complete a set number of CE hours during the reporting period.

Common Virginia CE expectations for many resident producers include:

• 16 total hours of CE each renewal cycle

• Ethics is commonly required as part of the total hours (often 3 hours)

• CE must be completed and reflected in your record by your renewal deadline

Because CE rules can vary by license type and individual status (and some producers may qualify for exemptions), the safest approach is to confirm your exact requirement in your license record before your deadline.

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How to Renew Your Virginia Insurance License (Step-by-Step)

Step 1: Confirm your renewal deadline
Identify your Virginia renewal date and CE cycle window so you know exactly when credits must be completed.

Step 2: Check your remaining CE requirement
Review your transcript/CE status to confirm how many total hours you still need (and whether ethics or other topic rules apply to you).

Step 3: Enroll in this 4-hour course
Complete the checkout and start immediately—no classroom scheduling, no waiting.

Step 4: Complete the course online (self-paced)
Finish at your pace. You can log out and return later without losing your place.

Step 5: Get your certificate + credit reporting
You’ll receive an instant certificate after completion, and we report your credits within 24 hours.

Step 6: Submit your renewal
Once your CE is posted, complete your license renewal using the state’s renewal system before your deadline.

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What You’ll Learn — Course Outline

Hour 1: Regulatory Framework and Best-Interest Standard

 

• NAIC model overview and consumer-protection purpose

• Key definitions (recommendation, consumer profile, conflicts, replacement)

• Best-interest obligations (care, disclosure, conflict mitigation, documentation)

• Suitability vs. best interest

• Insurer vs. producer roles and supervision expectations

• Documentation and recordkeeping practices

Hour 2: Producer Duties Across the Sales Process

 

• Required consumer profile information and data points

• Needs analysis and “reasonable basis” alignment

• Product features, fees, surrender periods, bonuses, caps/spreads, market risk

• Compensation and conflict disclosures

• Replacements and 1035 exchanges (structured comparisons and lost benefits)

• Seniors and vulnerable adults: red flags and escalation pathways

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

 

• Fixed vs. indexed vs. variable annuities and typical use cases

• Common riders (GLWB/GMWB, GMAB, death benefits, nursing-home waivers)

• Surrender schedules, MVAs, free-look, partial withdrawals

• Fees, expenses, and opportunity cost

• Tax basics (qualified vs. non-qualified, RMDs, under-59½ considerations)

• Illustrations and hypotheticals: labeling non-guaranteed elements

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

 

• Insurer supervision and file review programs (red flags and remediation)

• Advertising and consumer communications (including digital/social/seminars)

• Prohibited sales practices (churning, twisting, misrepresentation)

• Complaints, rescission, and corrective action timelines

• Multi-state nuances and training reciprocity considerations

• Applied case studies to practice documentation and conflict mitigation

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Why 1st Choice Continuing Education

With 10+ years serving licensees nationwide, we focus on the things that matter most to busy producers: simple access, clean course design, fast completion, and dependable support.

• No hidden fees

• Mobile-friendly, self-paced learning

• Instant certificate

• Credits reported within 24 hours

• Money-back guarantee

• Call/Text support: 1-800-698-2770

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Enroll Now

Course Details

• Approved by the Virginia Insurance Continuing Education Board
• Approved Provider #164929
• Approved Course #229601
• 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.