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Licensing & Training

All agents signing annuity applications must complete specific training and licensure prior to soliciting sales.

For all annuities except Bridge, most states require completion of training in two forms:

  • EquiTrust Annuity Product Training – Required in All States
  • NAIC General Annuity Continuing Education – Subject to State of Solicitation

For Bridge, our long-term care annuity, most states require completion of training in three forms:

  • EquiTrust Annuity Product Training – Required in All States
  • NAIC General Annuity Continuing Education – Subject to State of Solicitation
  • Health License

Additional information on these topics is provided under the tabs above.

EquiTrust Annuity Product Training
  • Product Training must be completed before soliciting EquiTrust annuity business.
  • Annuity applications received without completed Product Training will not be accepted.
  • If applying for agent contract for annuity products, you must complete Product Training before appointment is final.
  • You may view your training history upon full login to the website (agent number and password required).
  • EquiTrust Annuity Product Training is supported by RegED.
  • To view the RegED “User Guide – Annuity Training Platform", Click Here
  • For RegED Technical Support, call 1-800-334-8322, Option 2.
  • Upon RegED login, if you do not see “EquiTrust Annuity Product Training,” use access code: EquiTrust.
  • To begin EquiTrust Annuity Product Training, click the link below – you will be directed to the RegEd website.

Click Here To Begin EquiTrust Product Training

 NAIC General Annuity Continuing Education Training
  • If either the Original or Revised version of the NAIC Annuity Suitability regulation applies in the state where the sale takes place, you must also complete NAIC General Annuity Continuing Education Training; see chart below.
  • Additionally:
    • If you have already completed the original NAIC General Annuity Continuing Education Training  and if the Revised Annuity Suitability regulation (2020 version) applies in the state where the sale takes place, you must either complete a new one hour, one-time training CE OR an updated four-hour training CE; see chart below.
    • If you are a newly-licensed agent and the state where the sale takes place has enacted the Revised Annuity Suitability regulation (2020 version), you must complete a four hour, one-time training CE.
  • General Annuity Training CE must be completed with a state-approved training vendor.
  • Click on your state to link to your state-approved vendor.
  • New Business applications received without completed training will not be accepted.
  • Whether this training is already completed or you’re taking it now, you must provide a certificate of completion for NAIC General Annuity Continuing Education Training to EquiTrust before soliciting business.
  • NAIC Model Regulation, Click Here
  • FAX: 515-226-5102, or email: [email protected]

 

NAIC General Annuity Continuing Education Training by State

 

Annuity Suitability Training Requirements (Original) 

Revised Suitability Training Requirements (2020 Version)    

 

General Annuity Training 

General Annuity Training 

State

Newly State Licensed

Currently State Licensed

Newly State Licensed

Currently State Licensed

Alabama

1/1/2017

7/1/2017

1/1/2022 

7/1/2022 

Alaska

10/16/2011

4/16/2012

 1/15/2023

7/15/2023 

Arizona

1/1/2018

1/1/2018

12/31/2020

6/30/2021

Arkansas

No requirement

No requirement

1/1/2022

1/1/2022

California

effective

1/1/2012

 

 

Colorado

4/1/2011

10/1/2011

 11/1/2022

5/1/2023 

Connecticut

2/18/2012

8/18/2012

3/1/2022 

9/1/2022 

D.C.

6/24/2011

6/24/2011

 

 

Delaware

6/1/2017

12/1/2017

8/1/2021 

2/1/2022 

Florida

10/1/2013

10/1/2013

 

 

Georgia

3/1/2016

9/1/2016

 

 

Hawaii

1/31/2012

1/31/2012

1/1/2023 

7/1/2023 

Idaho

4/4/2013

10/4/2013

7/1/2021 

2/1/2022 

Illinois

7/1/2012

7/1/2012

 

 

Indiana

1/1/2012

7/1/2012

 

 

Iowa

5/1/2011

5/1/2011

1/1/2021

7/1/2021

Kansas

6/1/2013

12/1/2013

 

 

Kentucky

1/1/2012

7/1/2012

1/1/2022 

7/1/2022 

Louisiana

8/15/2012

1/1/2013

 

 

Maine

11/1/2015

5/1/2016

 1/1/2022

7/1/2022 

Maryland

11/1/2011

5/1/2012

 10/8/2022

4/8/2023 

Massachusetts

7/1/2016

12/31/2016

 

 

Michigan

6/1/2013

12/1/2013

6/29/2021

12/29/2021

Minnesota

1/1/2014

7/1/2014

 

 

Mississippi

9/1/2013

9/1/2014

 1/1/2022

 7/1/2022

Missouri

3/30/2017

9/30/2017

 

 

Montana

No requirement

No requirement

10/1/2021 

 4/1/2022

Nebraska

7/19/2012

1/19/2013

7/1/2021 

1/1/2022 

Nevada

 No requirement

No requirement 

 

 

New Hampshire

1/1/2015

6/30/2015

 

 

New Jersey

8/4/2013

8/4/2013

 

 

New Mexico

No requirement

No requirement

10/1/2022 

4/1/2023 

North Carolina

No requirement

No requirement

 1/1/2023

7/1/2023 

North Dakota

8/1/2011

8/1/2012

 1/1/2022

7/1/2022 

Ohio

7/1/2011

1/1/2012

 2/14/2021

8/14/2021 

Oklahoma

effective

7/14/2011

 

 

Oregon

8/1/2011

1/1/2012

 

 

Pennsylvania

12/25/2018

12/25/2018

6/22/2022 

12/22/2022 

Rhode Island

6/1/2011

12/1/2011

4/1/2021 

10/1/2021 

South Carolina

9/25/2011

3/25/2012

 

 

South Dakota

7/1/2012

1/1/2013

1/1/2023 

7/1/2023 

Tennessee

11/1/2015

5/1/2016

 

 

Texas

9/1/2011

3/1/2012

9/1/2021

1/1/2022 

Utah

No requirement

No requirement

 

 

Vermont

No requirement

No requirement

 

 

Virginia

1/18/2018

1/18/2018

9/1/2021 

3/1/2022 

Washington

3/29/2012

9/29/2012

 

 

West Virginia

7/1/2011

12/31/2011

 

 

Wisconsin

5/1/2011

11/1/2011

10/1/2022 

4/1/2023 

Wyoming

9/26/2014

3/26/2015

 

 

 

 

Long-term care (LTC) continuing education is required as shown below in addition to the requirements for annuity products. A Life insurance license is required in all states. In addition, a Health line of authority is required where indicated. The Health line of authority includes a combined Life & Health license or any variation of Accident, Health, Sickness or Disability line of authority.

 

State

Initial Training

Refresher Training

Health Line
of Authority

Length

Deadline

Alabama
8 hours
4 hours
License renewal
 
Alaska
8 hours
4 hours
24 months
 
Arizona
8 hours
4 hours
24 months
X
Arkansas
8 hours
4 hours
24 months
 
California
8 hrs every year for 1st 4 yrs. Beginning in 5th year, 8 hrs is required every 2 yrs. 
X
Colorado
 8 hrs LTC and 8 hrs Partnership training - 16 total
5 hours
24 months
 
Connecticut
None
   
X
D.C.
None
   
X
Delaware
3 hours
3 hours
2 years
X
Florida
8 hours
4 hours
24 months
X
Georgia
None
   
X
Hawaii
None
     
Idaho
8 hours
4 hours
24 months
X
Illinois
8 hours
4 hours
License renewal
X
Indiana
8 hours
5 hours
License renewal
X
Iowa
8 hours
4 hours
License renewal (36 months)
X
Kansas
None
   
X
Kentucky
None
     
Louisiana
8 hours
4 hours
24 months
 
Maine
8 hours
4 hours
24 months
 
Maryland
8 hours
4 hours
24 months
 
Massachusetts
8 hours
4 hours
24 months
X
Michigan
8 hours
4 hours
License renewal
 
Minnesota
8 hours
4 hours
24 months
 
Mississippi
None
   
X
Missouri
None
   
X
Montana
8 hours
4 hours
24 months
 
Nebraska
8 hours
4 hours
24 months
X
Nevada
8 hours
4 hours
24 months
X
New Hampshire
None
     
New Jersey
8 hours
4 hours
24 months
 
New Mexico
None
   
X
North Carolina
8 hours
4 hours
24 months
X
North Dakota
None
   
X
Ohio
8 hours
4 hours
License renewal
 
Oklahoma
8 hours
4 hours
License renewal
 
Oregon
8 hours
4 hours
24 months
 
Pennsylvania
8 hours
4 hours
License renewal
X
Rhode Island
8 hours
4 hours
24 months
 
South Carolina
8 hours
4 hours
24 months
 
South Dakota
8 hours
4 hours 
24 months - July 1st
 
Tennessee
8 hours
4 hours
License renewal
 
Texas
None
   
X
Utah
3 hours
3 hours
License renewal
X
Vermont
6 hrs LTC and 2 hrs VT Medicaid 
4 hours
License renewal
X
Virginia
None
     
Washington
8 hours
4 hours
24 months
X
West Virginia
8 hours
4 hours
License renewal
X
Wisconsin
6 hrs LTC and 2 hrs WI Medicaid/LTC
4 hrs - includes 1 hr on WI Medicaid/LTC
License renewal
X
Wyoming
8 hours
4 hours
24 months
X
 

 

 

 

 

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