Licensing & Training

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.

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 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
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	1/1/2012	1/1/2012	1/1/2025	7/1/2025
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	1/1/2024	7/1/2024
Georgia	3/1/2016	9/1/2016	8/1/2023	2/1/2024
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	8/1/2023	2/1/2024
Indiana	1/1/2012	7/1/2012	7/1/2024	1/1/2025
Iowa	5/1/2011	5/1/2011	1/1/2021	7/1/2021
Kansas	6/1/2013	12/1/2013	1/1/2024	7/1/2024
Kentucky	1/1/2012	7/1/2012	1/1/2022	7/1/2022
Louisiana	8/15/2012	1/1/2013	9/20/2024	3/20/2025
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	12/9/2022	6/1/2023
Michigan	6/1/2013	12/1/2013	6/29/2021	12/29/2021
Minnesota	1/1/2014	7/1/2014	1/1/2023	7/1/2023
Mississippi	9/1/2013	9/1/2014	1/1/2022	7/1/2022
Missouri	3/30/2017	9/30/2017	8/30/2024	3/1/2025
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	2/16/2024	8/16/2024
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	7/14/2010	7/14/2011	9/1/2023	5/1/2024
Oregon	8/1/2011	1/1/2012	1/1/2024	7/1/2024
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	11/27/2022	5/27/2023
South Dakota	7/1/2012	1/1/2013	1/1/2023	7/1/2023
Tennessee	11/1/2015	5/1/2016	1/1/2024	7/1/2024
Texas	9/1/2011	3/1/2012	9/1/2021	1/1/2022
Utah	No requirement	No requirement	7/1/2024	7/1/2025
Vermont	No requirement	No requirement	7/5/2024	1/4/2025
Virginia	1/18/2018	1/18/2018	9/1/2021	3/1/2022
Washington	3/29/2012	9/29/2012	1/1/2024	7/1/2024
West Virginia	7/1/2011	12/31/2011	6/8/2023	12/8/2023
Wisconsin	5/1/2011	11/1/2011	10/1/2022	4/1/2023
Wyoming	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 of Authority
State	Initial Training	Length	Deadline	Health Line of Authority
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