5 HRs Life Insurance Products and Retirement Planning - Missouri

✅ Approved by Missouri Department of Commerce and Insurance | Provider #48205 | Course #6000223543 | Only $15.99 | Instant Emailed Certificate | 100% Online & Self-Paced

Earn 5 approved continuing education hours toward your Missouri insurance producer renewal with an online course approved by the Missouri Department of Commerce and Insurance, for only $15.99. The course is fully online and self-paced, so you can enroll and work through it on your own schedule.

Log in and out as often as you like without losing your progress. When you finish, your certificate is emailed to you immediately, and 1st Choice CE reports approved completions to Missouri electronically. Every course is backed by our money-back guarantee, and support is available by phone or text at 1-800-698-2770.

✅ Course Details

• Course Name: 5 HRs Life Insurance Products and Retirement Planning - Missouri
• Approved By: Missouri Department of Commerce and Insurance
• Provider Number: 48205
• Course Number: 6000223543
• Course Length: 5 credit hours
• Course Category: Life
• Course Format: 100% online, self-paced
• Price: $15.99
• Certificate: Emailed immediately upon completion
• Reporting: 1st Choice CE reports approved completions to Missouri electronically
• Support: Phone or text 1-800-698-2770

✅ Who Should Take This Course?

• Missouri licensed resident insurance producers renewing a license with life authority
• Producers who need 5 approved hours toward the 16-hour Missouri requirement
• Agents who want current, practical knowledge of these coverages — not filler credit
• New producers building a working foundation in this coverage area
• Experienced agents refreshing before a renewal deadline
• Agency staff who support producers and want the same technical grounding

✅ Does This Course Satisfy the State Requirement?

This course provides 5 approved credit hours toward the 16-hour Missouri continuing education requirement. It does not by itself satisfy the full renewal requirement, and it does not satisfy the 3-hour ethics requirement. Remember that Missouri's 16 hours is a combined total even if you hold both Life/Health and Property/Casualty authority.

✅ Missouri Continuing Education Requirements

Missouri keeps its producer requirement lighter than most states: 16 hours of Missouri-approved continuing education during each two-year period, including at least 3 hours of insurance ethics. The number that surprises producers is that 16 is the total regardless of how many lines you hold — a producer with both Life/Health and Property/Casualty authority still completes 16 hours, not 32. There is no stacking. Courses may not be duplicated within a renewal period, and CE providers submit completion data electronically, which you can verify through SBS Connect.

• 16 credit hours of Missouri-approved continuing education per two-year period
• At least 3 of those hours must be insurance ethics
• 16 hours is the total for Life and/or Health, for Property and/or Casualty, and for producers holding both — there is no stacking
• Title producers have a reduced requirement of 8 hours
• Courses may not be duplicated during a renewal period
• Up to 4 hours every two years may come from qualifying insurance association membership under state law
• Providers submit completion data electronically; verify your transcript through SBS Connect at sbs.naic.org

How this course helps: This 5-hour course provides 5 approved credit hours toward the 16 hours Missouri requires for each two-year period. It applies as general credit and does not satisfy the separate 3-hour ethics requirement, so at least 11 additional hours — including your 3 ethics hours — must be completed separately.

✅ When Do Licensees Renew?

Missouri producers complete their continuing education during a two-year period tied to their license, and the license must be renewed before it expires. Confirm your exact expiration date and your current CE standing on your license record in SBS — the Department verifies compliance electronically before a renewal will process. Because providers submit completions electronically and processing through Compliance Express is delivered to the Department in real time, credit generally appears quickly, but you should still leave several days of margin rather than finishing on the deadline.

✅ How to Renew Your License

Step 1: Confirm your expiration date and lines of authority

Check your license record for the exact expiration date and the lines you hold. Remember that holding multiple lines does not increase the 16-hour total.

Step 2: Print your education transcript

Pull your transcript through SBS at sbs.naic.org and see exactly which hours have posted for this period.

Step 3: Complete 16 hours, including 3 ethics hours

Finish the requirement with Missouri-approved courses, making sure the ethics hours come from courses approved in the ethics category.

Step 4: Do not repeat a course you already used

Missouri does not allow a course to be duplicated within a renewal period. Check your transcript before enrolling.

Step 5: Verify the credit posted

Completions are submitted electronically and generally post quickly, but confirm the hours and categories on your transcript before you renew.

Step 6: Renew your license and pay the fee

Submit your renewal before the expiration date and pay the renewal fee.

Step 7: Keep your certificates on file

Save your completion certificates and confirm the record shows an active license with a new expiration date.

✅ What You Will Learn

• How term, whole, universal, indexed and variable life differ in cost and guarantees
• Policy mechanics: cash value, cost of insurance, surrender charges and lapse risk
• Needs analysis methods for determining an appropriate face amount
• How annuities generate retirement income and what each type guarantees
• Tax treatment of death benefits, cash value, loans and annuity distributions
• Suitability and best-interest duties when recommending life and annuity products

✅ Course Content Overview

Hour 1 – Life Insurance Fundamentals

Insurable interest, underwriting and risk classification, the application and policy delivery process, the incontestability and suicide clauses, and the standard policy provisions and nonforfeiture options.

Hour 2 – Term and Permanent Products

Level, decreasing and annual renewable term; conversion privileges; whole life guarantees and dividends; and how permanent coverage builds cash value.

Hour 3 – Universal, Indexed and Variable Products

Flexible premium mechanics, the cost of insurance drag, secondary guarantees, indexed crediting with caps, participation rates and floors, and the securities-registered nature of variable products.

Hour 4 – Annuities and Retirement Income

Fixed, indexed and variable annuities; accumulation and payout phases; annuitization options; guaranteed lifetime withdrawal benefits; surrender charge schedules; and free withdrawal provisions.

Hour 5 – Taxation, Suitability and Best Interest

Income-tax-free death benefits, inside buildup, policy loans, modified endowment contracts, annuity exclusion ratios, required minimum distributions, and the suitability and best-interest standards that govern recommendations.

✅ Other Related Courses

• 3 Hour Ethics for Insurance Agents – $15.99
• 3-Hour Flood Insurance (NFIP) – $15.99
• 4-Hour Annuity Best Interest/Suitability – $15.99
• 4 Hrs Ongoing Long-Term Care Insurance Partnership Training – $15.99
• 3 HRs Emerging Risks and Specialty Coverages - Missouri – $15.99
• 4 HRs Personal Auto and Umbrella Insurance - Missouri – $15.99
• 3 Hrs Insurance Fraud and Claims Handling (P&C Focus) - Missouri – $15.99

✅ Why Choose 1st Choice CE?

• Approved by the Missouri Department of Commerce and Insurance — provider #48205
• Affordable at $15.99 with no hidden fees
• 100% online and self-paced — log in and out anytime without losing progress
• Instant emailed certificate the moment you finish
• We report approved completions to Missouri
• Money-back guarantee
• Over 10 years of continuing education experience
• Support by phone or text at 1-800-698-2770

✅ Enroll Now

Enroll in 5 HRs Life Insurance Products and Retirement Planning - Missouri today for $15.99. The course is fully online and self-paced, your certificate is emailed the moment you finish, and every enrollment is backed by our money-back guarantee. Questions? Call or text 1-800-698-2770.