Licensing & Training
- Overview
- EquiTrust Product Training
- Annuity CE Requirements by State
- LTC Licensing / CE Requirements by State
- Life CE Requirements
All agents signing annuity applications must complete specific training and licensure prior to soliciting sales.
For all annuities, 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 additional training and licensure for the LTC component:
- EquiTrust Annuity Product Training – Required in All States
- NAIC General Annuity Continuing Education – Subject to State of Solicitation
- LTC Continuing Education - Subject to State of Solicitation
- Health License – Subject to State of Solicitation
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.
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 link for state specific requirements.
- 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 |
1/1/2017 |
7/1/2017 |
1/1/2022 |
7/1/2022 |
|
10/16/2011 |
4/16/2012 |
1/15/2023 |
7/15/2023 |
|
1/1/2018 |
1/1/2018 |
12/31/2020 |
6/30/2021 |
|
No requirement |
No requirement |
1/1/2022 |
1/1/2022 |
|
1/1/2012 |
1/1/2012 |
1/1/2025 |
7/1/2025 |
|
4/1/2011 |
10/1/2011 |
11/1/2022 |
5/1/2023 |
|
2/18/2012 |
8/18/2012 |
3/1/2022 |
9/1/2022 |
|
6/24/2011 |
6/24/2011 |
|
|
|
6/1/2017 |
12/1/2017 |
8/1/2021 |
2/1/2022 |
|
10/1/2013 |
10/1/2013 |
1/1/2024 |
7/1/2024 |
|
3/1/2016 |
9/1/2016 |
8/1/2023 |
2/1/2024 |
|
1/31/2012 |
1/31/2012 |
1/1/2023 |
7/1/2023 |
|
4/4/2013 |
10/4/2013 |
7/1/2021 |
2/1/2022 |
|
7/1/2012 |
7/1/2012 |
8/1/2023 |
2/1/2024 |
|
1/1/2012 |
7/1/2012 |
7/1/2024 |
1/1/2025 |
|
5/1/2011 |
5/1/2011 |
1/1/2021 |
7/1/2021 |
|
6/1/2013 |
12/1/2013 |
1/1/2024 |
7/1/2024 |
|
1/1/2012 |
7/1/2012 |
1/1/2022 |
7/1/2022 |
|
8/15/2012 |
1/1/2013 |
9/20/2024 |
3/20/2025 |
|
11/1/2015 |
5/1/2016 |
1/1/2022 |
7/1/2022 |
|
11/1/2011 |
5/1/2012 |
10/8/2022 |
4/8/2023 |
|
7/1/2016 |
12/31/2016 |
12/9/2022 |
6/1/2023 |
|
6/1/2013 |
12/1/2013 |
6/29/2021 |
12/29/2021 |
|
1/1/2014 |
7/1/2014 |
1/1/2023 |
7/1/2023 |
|
9/1/2013 |
9/1/2014 |
1/1/2022 |
7/1/2022 |
|
3/30/2017 |
9/30/2017 |
8/30/2024 |
3/1/2025 |
|
No requirement |
No requirement |
10/1/2021 |
4/1/2022 |
|
7/19/2012 |
1/19/2013 |
7/1/2021 |
1/1/2022 |
|
No requirement |
No requirement |
11/15/2024 |
5/15/2025 |
|
1/1/2015 |
6/30/2015 |
2/16/2024 |
8/16/2024 |
|
8/4/2013 |
8/4/2013 |
|
|
|
No requirement |
No requirement |
10/1/2022 |
4/1/2023 |
|
No requirement |
No requirement |
1/1/2023 |
7/1/2023 |
|
8/1/2011 |
8/1/2012 |
1/1/2022 |
7/1/2022 |
|
7/1/2011 |
1/1/2012 |
2/14/2021 |
8/14/2021 |
|
7/14/2010 |
7/14/2011 |
9/1/2023 |
5/1/2024 |
|
8/1/2011 |
1/1/2012 |
1/1/2024 |
7/1/2024 |
|
12/25/2018 |
12/25/2018 |
6/22/2022 |
12/22/2022 |
|
6/1/2011 |
12/1/2011 |
4/1/2021 |
10/1/2021 |
|
9/25/2011 |
3/25/2012 |
11/27/2022 |
5/27/2023 |
|
7/1/2012 |
1/1/2013 |
1/1/2023 |
7/1/2023 |
|
11/1/2015 |
5/1/2016 |
1/1/2024 |
7/1/2024 |
|
9/1/2011 |
3/1/2012 |
9/1/2021 |
1/1/2022 |
|
No requirement |
No requirement |
7/1/2024 |
7/1/2025 |
|
No requirement |
No requirement |
7/5/2024 |
1/4/2025 |
|
1/18/2018 |
1/18/2018 |
9/1/2021 |
3/1/2022 |
|
3/29/2012 |
9/29/2012 |
1/1/2024 |
7/1/2024 |
|
7/1/2011 |
12/31/2011 |
6/8/2023 |
12/8/2023 |
|
5/1/2011 |
11/1/2011 |
10/1/2022 |
4/1/2023 |
|
9/26/2014 |
3/26/2015 |
7/5/2023 |
1/5/2024 |
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 |
|
Length |
Deadline |
|||
Alabama
|
8 hours
|
4 hours
|
24 months
|
X |
Alaska
|
8 hours
|
4 hours
|
24 months
|
X
|
Arizona
|
8 hours
|
4 hours
|
24 months
|
|
Arkansas
|
8 hours
|
4 hours
|
24 months
|
|
California
|
8 hrs every year for 1st 4 yrs. Beginning 5th year, 8 hrs is required every 2 yrs.
|
24 months
|
X
|
|
Colorado
|
8 hrs LTC and 8 hrs Partnership training - 16 total
|
5 hours
|
24 months
|
X |
Connecticut
|
7 hours | 24 C.E hours every 24 months |
X
|
|
D.C.
|
None
|
|||
Delaware
|
None |
3 hours
|
24 months |
X
|
Florida
|
8 hours
|
4 hours
|
24 months
|
X
|
Georgia
|
None | |||
Hawaii
|
None
|
|||
Idaho
|
8 hours
|
4 hours
|
24 months
|
X
|
Illinois
|
8 hours
|
4 hours
|
12 months
|
X
|
Indiana
|
8 hours
|
5 hours
|
24 months |
X
|
Iowa
|
8 hours
|
4 hours
|
36 months
|
X
|
Kansas
|
None |
X
|
||
Kentucky
|
None | X | ||
Louisiana
|
8 hours
|
4 hours
|
24 months
|
X |
Maine
|
8 hours
|
4 hours
|
24 months
|
X |
Maryland
|
8 hours
|
4 hours
|
24 months
|
X |
Massachusetts
|
8 hours
|
4 hours
|
24 months
|
X
|
Michigan
|
8 hours
|
4 hours
|
24 months | X |
Minnesota
|
8 hours
|
4 hours
|
24 months
|
X |
Mississippi
|
None
|
|||
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
|
|
New Hampshire
|
None | X | ||
New Jersey
|
8 hours
|
4 hours
|
24 months
|
|
New Mexico
|
8 hours |
4 hours
|
24 months |
X
|
North Carolina
|
None |
X
|
||
North Dakota
|
None |
X
|
||
Ohio
|
8 hours
|
4 hours
|
24 months | |
Oklahoma
|
8 hours
|
4 hours
|
24 months | X |
Oregon
|
8 hours
|
4 hours
|
24 months
|
X |
Pennsylvania
|
8 hours
|
4 hours
|
24 months
|
X
|
Rhode Island
|
8 hours
|
4 hours
|
24 months
|
|
South Carolina
|
8 hours
|
4 hours
|
24 months
|
X |
South Dakota
|
8 hours
|
4 hours
|
24 months
|
X |
Tennessee
|
8 hours
|
4 hours
|
24 months
|
X |
Texas
|
None |
X
|
||
Utah
|
3 hours
|
3 hours
|
24 months |
X
|
Vermont
|
8 hours
|
4 hours
|
24 months
|
X
|
Virginia
|
8 hours
|
4 hours | 24 months | X |
Washington
|
8 hours
|
4 hours
|
24 months
|
X
|
West Virginia
|
8 hours
|
4 hours
|
24 months | |
Wisconsin
|
8 hours
|
4 hours
|
24 months | |
Wyoming
|
8 hours
|
4 hours
|
24 months
|
California 4-Hour training information: CA Department of Insurance