4 HRs Annuity Products, Taxation, Disclosure and Replacement - Colorado

4 HRs Annuity Products, Taxation, Disclosure and Replacement - Colorado

✅ Approved by the Colorado Division of Insurance | Provider #236323 | Course #67959 | Only $15.99 | Instant Emailed Certificate | 100% Online & Self-Paced

Earn 4 approved hours toward your Colorado insurance producer renewal with a course the Colorado Division of Insurance approved in the Life/Accident & Health category, for $15.99. Because the credit sits in a life and health category, these 4 hours count toward Colorado's 18-hour line-of-authority minimum for producers holding a life, accident or health line, not merely toward the 24-hour total.

The course is fully online and self-paced, so you can log in and out without losing your progress. After you complete the content and pass the 58-question final examination at 70% or better, your certificate is emailed to you and we report your completion to Colorado through Sircon.

✅ Course Details

• Course Name: 4 HRs Annuity Products, Taxation, Disclosure and Replacement - Colorado
• Approved By: Colorado Division of Insurance
• Provider Number: 236323
• Course Number: 67959
• Credit Category: Life/Accident & Health
• Course Length: 4 credit hours
• Approval Period: 11-05-2026 through 11-30-2029
• Course Format: Self-study, 100% online and self-paced
• Price: $15.99
• Final Examination: 58 questions, 70% to pass (41 of 58), retakes permitted
• Certificate: Emailed immediately on completion
• Reporting: We report your completion to Colorado through Sircon
• Support: 1-800-698-2770

✅ Who Should Take This Course?

• Colorado licensed insurance producers holding a life line of authority
• Colorado producers holding an accident and health line of authority
• Producers who sell, service or replace fixed and indexed annuity contracts
• Producers who advise on annuity taxation, suitability and required disclosures
• Producers who handle 1035 exchanges and annuity replacements
• Producers who need hours that count toward Colorado's 18-hour line-of-authority minimum

✅ Does This Course Satisfy the State Requirement?

This course provides 4 of the 24 credit hours Colorado requires biennially. It is approved in the Life/Accident & Health category, so for a producer holding a life, accident or health line of authority the 4 hours count toward both the 24-hour total and the 18-hour line-of-authority minimum.

It does not satisfy Colorado's separate 3-hour ethics requirement, and it does not complete the 24-hour total by itself. A producer holding only a property or casualty line should note that hours approved in a life and health category do not fill the 18-hour minimum for a property and casualty license.

✅ Colorado Continuing Education Requirements

Colorado licensed insurance producers complete continuing education on a two-year cycle. Colorado Division of Insurance Regulation 1-2-4 (3 CCR 702-1), Section 5.A, requires 24 credit hours of approved courses biennially after a producer's initial renewal, and it allocates those hours in two ways that matter when you choose courses:

• At least 3 of the 24 hours must be courses in ethics.
• At least 18 of the 24 credit hours must be in approved courses for the type of license you hold. This is the requirement most producers overlook. Hours approved in a category outside your license type still count toward the 24 total, but they do not fill the 18-hour line-of-authority minimum.

Two further rules affect planning. Under Section 5.A.2 you may not repeat the same approved course within a two-year period and count it again toward your required hours, although courses dealing with statutory updates are excepted. And carryover is limited: no more than 12 hours earned beyond the required 24, and only hours earned during the 120 days before your licensing continuation date, may be carried into the next period.

Colorado self-study courses must include an examination. Course sponsors file completion records with the Continuing Education Administrator, Pearson VUE, through Sircon, and you are responsible for keeping your own completion records for five years.

How this course helps: This 4-hour course contributes 4 of Colorado's 24 required credit hours and, for a life, accident or health licensee, 4 of the 18 hours that must be in courses for the license type held. It carries no ethics credit, so the 3 required ethics hours and the remaining 20 hours must be completed separately.

✅ When Do Colorado Producers Renew?

Colorado producer licenses continue on a two-year cycle, and your continuing education must be complete before the Division will approve the renewal. The renewal window opens 90 days before your license expiration date and runs through that date.

Colorado does not publish a single statewide renewal date, so the date that governs you is the expiration date on your own license record. Check it on your license record or your renewal notice rather than assuming a common date. There is no late-renewal path through NIPR for resident producers: a license that expires has to be addressed directly with the Division, and reinstatement without repeating prelicensing education and the examination is generally available only within one year of expiration.

✅ How to Renew Your Colorado License

1. Confirm your exact license type, status and expiration date on your official license record, and note how many hours you still owe.
2. Complete the full 24 credit hours, including at least 3 ethics hours and at least 18 hours in approved courses for your license type, before your continuation date.
3. Allow time for reporting. We report your completion to Colorado through Sircon, and the state's compliance status can take up to roughly 72 hours to update after the hours post.
4. Check your Colorado CE transcript and confirm the hours and categories posted the way you expect before you start the renewal.
5. Submit your renewal electronically through NIPR's resident license renewal application during the 90-day window, and renew every line of authority you intend to keep in that single transaction.
6. Pay the official renewal fee. Colorado's fee is $27 for all lines of authority other than Surplus Lines.
7. Save your receipt and confirm afterward that your license record shows an active status and an updated expiration date.

✅ What You Will Learn

• Distinguish immediate, deferred, fixed, indexed and variable annuity contracts and the parties to them
• Apply the income taxation rules that govern annuity accumulation, withdrawals, annuitization and death benefits
• Identify the consumer disclosures Colorado and the model rules require at and before sale
• Explain the Buyer's Guide and the disclosure documents that must accompany an annuity sale
• Process a replacement or 1035 exchange correctly and document the suitability basis for it
• Recognize prohibited practices in annuity sales and the conduct that draws regulatory discipline

✅ Course Content Overview

• Hour 1: Annuity Classifications, Parties, and Contract Mechanics
• Hour 2: Income Taxation and the Primary Uses of Annuities
• Hour 3: Required Consumer Disclosures, the Buyer's Guide, and Suitability
• Hour 4: Replacement and Exchange Processing, Prohibited Practices, and Discipline

✅ Other Related Colorado Courses

• 3 HRs Applied Insurance Ethics: Decision-Making, Disclosure and Discipline - Colorado – $15.99

✅ Why Choose 1st Choice CE?

• Approved by the Colorado Division of Insurance
• Affordable flat price
• 100% online and self-paced
• Log in and out anytime without losing your progress
• Instant emailed certificate when you finish
• We report your completion to Colorado
• Money-back guarantee
• Over 10 years of continuing education experience
• Support by phone or text at 1-800-698-2770

✅ Enroll Now

Enroll online and start today for $15.99. Questions? Call or text us at 1-800-698-2770.

Enroll in 4 HRs Annuity Products, Taxation, Disclosure and Replacement - Colorado