36 Hour Combined Insurance CE Package - Iowa

✅ Approved by Iowa Insurance Division | Provider #48204 | Includes 10 Approved Courses | Only $84.99 | Instant Emailed Certificate | 100% Online & Self-Paced

Complete all 36 Iowa continuing education credits — including the required 3 credits of ethics — in one Iowa Insurance Division-approved online package for $84.99. Bought separately these 10 courses total $143.91, so the package saves you $58.92.

Every course is 100% online and self-paced, and you can log in and out without losing progress. A certificate is emailed to you the moment you finish each course, and 1st Choice CE reports your approved completions to Iowa. The whole package is backed by our money-back guarantee, with support by phone or text at 1-800-698-2770.

✅ Course Details

• Package Name: 36 Hour Combined Insurance CE Package - Iowa
• Approved By: Iowa Insurance Division
• Provider Number: 48204
• Courses Included: 10 separately approved courses
• Package Length: 36 credit credits
• Course Category: General
• Course Format: 100% online, self-paced
• Price: $84.99 (separately $143.91 — you save $58.92)
• Certificate: Emailed immediately as you complete each course
• Reporting: 1st Choice CE reports approved completions to Iowa
• Support: Phone or text 1-800-698-2770

✅ What's Included in This Package

• 3 Hour Ethics for Insurance Agents — 3 hours — Course #111776
• 3-Hour Flood Insurance (NFIP) — 3 hours — Course #111778
• 3 HRs Emerging Risks and Specialty Coverages — 3 hours — Course #112807
• 3 Hrs Insurance Fraud and Claims Handling (P&C Focus) — 3 hours — Course #112809
• 4-Hour Annuity Best Interest/Suitability — 4 hours — Course #111781
• 4 Hrs Ongoing Long-Term Care Insurance Partnership Training — 4 hours — Course #111780
• 4 HRs Health Insurance and Affordable Care Act Updates — 4 hours — Course #112792
• 4 HRs Medicare Advantage and Part D Update — 4 hours — Course #112791
• 4 HRs Commercial Lines Insurance Essentials — 4 hours — Course #112810
• 4 HRs Personal Auto and Umbrella Insurance — 4 hours — Course #112808

Total: 36 credit credits across 10 approved courses.

✅ Who Should Take This Course?

• Iowa resident insurance producers renewing a license
• Producers who want the entire 36-credit requirement handled in one purchase
• Agents who have not started their continuing education and are close to a deadline
• Producers who want the required ethics hours included rather than bought separately
• Agents who prefer one price with no per-course fees
• Agency staff coordinating renewals for multiple producers

✅ Does This Course Satisfy the State Requirement?

Yes. This package is designed to satisfy the full 36-credit Iowa continuing education requirement for a standard three-year CE term, including the 3-credit ethics requirement. Every course in it is separately approved by the Iowa Insurance Division under provider #48204.

✅ Iowa Continuing Education Requirements

Iowa is one of the few states on a three-year cycle. Iowa resident producers complete 36 credits of Division-approved continuing education during each three-year CE term, and 3 of those credits must be in ethics. A credit equals 50 minutes of instruction. Iowa does not cap self-study, so an approved online course may be used for any portion of the 36 credits. Excess credits do not carry forward, and the Division must receive proof of completion by the end of the last business day of the CE term.

• 36 credits of Division-approved continuing education per three-year CE term — Iowa is not a two-year state
• 3 of those 36 credits must be in ethics
• One credit equals 50 minutes of instruction
• No self-study cap. Iowa does not limit how many credits may be earned through approved self-study or online courses
• Producers who sell long-term care or LTC partnership products must complete a one-time 8-credit training before selling, and at least 4 credits of ongoing LTC training each CE term thereafter
• Excess credits cannot be carried over from one CE term to the next
• Producers holding only crop lines have a reduced 18-credit requirement; credit-only and surety-only producers are exempt

How this package helps: This package provides all 36 credits Iowa requires for each three-year CE term, including the 3 required ethics credits. Iowa does not divide continuing education by line of authority, so the property and casualty courses in this package count as general electives alongside the life and health courses. It is a complete renewal package. Producers who sell long-term care or annuity products may still owe separate product-specific training; check your license record if either applies to you.

✅ When Do Licensees Renew?

Iowa producer licenses are valid for three years and expire on the last day of the licensee's birth month. Because the term is anchored to the birth month rather than the issue date, an initial term can run somewhat longer than 36 months — confirm your exact expiration date on your license record rather than calculating it. Continuing education must be complete and reported by the end of the CE term, and the renewal application is filed in the window before expiration. There is no grace period to continue transacting business, though an expired license may be reinstated within twelve months by proving the CE that was due for the term that ended.

✅ How to Renew Your License

Step 1: Look up your exact expiration date

Iowa runs a three-year term ending the last day of your birth month. Confirm the date on your license record instead of calculating it.

Step 2: Review your CE transcript for the current term

Check how many of the 36 credits are posted and whether your 3 ethics credits are among them.

Step 3: Complete 36 credits, including 3 ethics credits

Finish the full requirement before the end of your CE term. Only Iowa Insurance Division–approved courses count.

Step 4: Allow for provider reporting time

Approved providers report completions to the Division on a monthly cycle. Finish early enough that the Division receives your proof before the last business day of your CE term.

Step 5: Confirm the credits posted

View your education transcript and verify each course appears with the correct credit count and category.

Step 6: File the renewal and pay the fee

Submit the renewal application and fee through the online licensing system Iowa directs producers to, during the renewal window before expiration.

Step 7: Keep your certificates for four years

Iowa requires producers to keep original certificates of completion for four years after the end of the year of attendance. Save them and confirm your license shows active.

✅ What You Will Learn

• The ethics standards and consumer-protection duties Iowa requires of every producer
• How the major policy forms in your lines are structured and where they leave gaps
• Current market and regulatory developments affecting the products you sell
• Practical claim, underwriting and suitability judgment you can use on live accounts
• How to spot coverage gaps and uncovered exposures during an account review
• Everything needed to satisfy your full 36-credit Iowa requirement

✅ Course Content Overview

3 Hour Ethics for Insurance Agents (3 hours)

3 approved credit hours covering the required subject matter for this topic in Iowa. Approved under state course #111776.

3-Hour Flood Insurance (NFIP) (3 hours)

3 approved credit hours covering the required subject matter for this topic in Iowa. Approved under state course #111778.

3 HRs Emerging Risks and Specialty Coverages (3 hours)

Defines what makes a risk 'emerging,' walks through cyber and data-breach exposure, technology errors and omissions, and how carriers have responded with sublimits, coinsurance and ransomware exclusions. Covers reputational and business-interruption follow-on losses. Examines wildfire, severe convective storm, flood and named-storm exposure; percentage deductibles; valuation disputes; and how reinsurance cost flows through to the insured. Reviews parametric and layered structures.

3 Hrs Insurance Fraud and Claims Handling (P&C Focus) (3 hours)

Distinguishes application fraud, premium fraud, claim fraud and provider fraud. Reviews the cost borne by honest policyholders, the role of fraud bureaus and special investigation units, and the criminal and civil consequences of participating in fraud. Practical indicator sets for auto theft and total loss, water and fire property claims, staged losses, inflated repair estimates, and workers' compensation malingering. Emphasizes that a red flag is a reason to investigate, not a conclusion.

4-Hour Annuity Best Interest/Suitability (4 hours)

4 approved credit hours covering the required subject matter for this topic in Iowa. Approved under state course #111781.

4 Hrs Ongoing Long-Term Care Insurance Partnership Training (4 hours)

4 approved credit hours covering the required subject matter for this topic in Iowa. Approved under state course #111780.

4 HRs Health Insurance and Affordable Care Act Updates (4 hours)

Guaranteed issue, adjusted community rating, the prohibition on preexisting condition exclusions, essential health benefits, and the individual and small group market framework. Bronze through platinum metal tiers and actuarial value, deductibles, copayments, coinsurance, the out-of-pocket maximum, and network types including HMO, PPO, EPO and POS. Advance premium tax credits, household income and family size, cost-sharing reduction eligibility, reconciliation at tax time, open enrollment and the special enrollment periods that follow qualifying life events.

4 HRs Medicare Advantage and Part D Update (4 hours)

Eligibility, Part A hospital insurance and Part B medical insurance, premiums and IRMAA, deductibles and coinsurance, and the coverage gaps that drive the need for additional protection. HMO, PPO, PFFS and special needs plan types; network rules and referrals; supplemental benefits; the maximum out-of-pocket limit; and star ratings and how they affect plan availability. Standalone drug plans and embedded MA-PD coverage, formularies and tiers, prior authorization and step therapy, the benefit phases, and creditable coverage.

4 HRs Commercial Lines Insurance Essentials (4 hours)

Building and business personal property, causes-of-loss forms, replacement cost versus actual cash value, coinsurance penalties, blanket versus scheduled limits, and how the commercial package is constructed. Coverage A, B and C; occurrence versus claims-made; the products-completed operations hazard; key exclusions; additional insured status; and primary and noncontributory wording. Business income and extra expense worksheets and the period of restoration; commercial auto covered-auto symbols, hired and non-owned exposure; and contractors equipment and installation floaters.

4 HRs Personal Auto and Umbrella Insurance (4 hours)

Declarations, definitions and the four coverage parts. Covers who is an insured, covered autos, newly acquired vehicles, temporary substitutes and non-owned autos. Part A liability including split and combined single limits, supplementary payments, Part B medical payments, and Part C uninsured and underinsured motorist coverage with stacking considerations. Collision and other than collision, deductibles, actual cash value total loss settlement, betterment, transportation expense, and the exclusions that most often surprise insureds: livery and rideshare, business use, and racing.

✅ Other Related Courses

• 3 Hour Ethics for Insurance Agents - Iowa – $15.99
• 3-Hour Flood Insurance (NFIP) - Iowa – $15.99
• 3 HRs Emerging Risks and Specialty Coverages - Iowa – $15.99
• 3 Hrs Insurance Fraud and Claims Handling (P&C Focus) - Iowa – $15.99
• 4-Hour Annuity Best Interest/Suitability - Iowa – $15.99
• 4 Hrs Ongoing Long-Term Care Insurance Partnership Training - Iowa – $15.99
• 4 HRs Health Insurance and Affordable Care Act Updates - Iowa – $15.99
• 4 HRs Medicare Advantage and Part D Update - Iowa – $15.99
• 4 HRs Commercial Lines Insurance Essentials - Iowa – $15.99
• 4 HRs Personal Auto and Umbrella Insurance - Iowa – $15.99

✅ Why Choose 1st Choice CE?

• Every course approved by the Iowa Insurance Division — provider #48204
• $84.99 for all 10 courses, versus $143.91 separately
• No hidden or per-course fees
• 100% online and self-paced — log in and out anytime without losing progress
• Instant emailed certificate as you finish each course
• We report approved completions to Iowa
• Money-back guarantee
• Over 10 years of continuing education experience
• Support by phone or text at 1-800-698-2770

✅ Enroll Now

Enroll in the 36 Hour Combined Insurance CE Package - Iowa today for $84.99 and handle your entire 36-credit requirement in one purchase. Certificates are emailed as you finish each course, and every enrollment is backed by our money-back guarantee. Questions? Call or text 1-800-698-2770.

✅ Frequently Asked Questions

Is this package approved in Iowa?

Yes. All 10 courses are approved by the Iowa Insurance Division under provider #48204. Each course carries its own state course number, listed on this page.

Does this package complete my entire Iowa renewal requirement?

Yes. It provides all 36 credits required for a standard three-year CE term, including the 3 required ethics credits.

Does it include the ethics requirement?

Yes. The 3-hour ethics course is included and is approved in the ethics category.

How many courses are in the package?

10 separate approved courses, totaling 36 credits.

How much do I save versus buying the courses separately?

Purchased individually these courses total $143.91. The package is $84.99, a savings of $58.92.

Are there any hidden or per-course fees?

No. $84.99 is the total price for all 10 courses.

Do I have to take the courses in order?

No. You can take them in any order and complete them across as many sessions as you like.

Is everything online and self-paced?

Yes. Every course in the package is 100% online and self-paced.

Will I lose my progress if I log out?

No. Your progress saves automatically in every course.

How do I get my certificates?

A certificate is emailed to you the moment you complete each course in the package.

Do you report my completions to the state?

1st Choice CE reports approved completions to the Iowa Insurance Division. Keep your certificate — Iowa requires producers to retain original certificates of completion for four years after the end of the year of attendance.

When is my continuing education due?

Iowa producer licenses are valid for three years and expire on the last day of the licensee's birth month.

Do I still need long-term care or annuity product training?

Possibly. Producers who sell long-term care or annuity products may owe separate one-time product training beyond the standard renewal requirement. Check your license record if either applies to you.

Is there a money-back guarantee?

Yes. The entire package is backed by our money-back guarantee.

Can I get help if I have a question?

You can reach our support team by phone or text at 1-800-698-2770.