✅ 4 Hour New York Life, Accident & Health Insurance Compliance – Part 1 Online CE Course

✅ Approved by the New York State Department of Financial Services | Provider #NYPO-104705 | Course #NYCS-285086 | Only $19.99 | Instant Emailed Certificate | 100% Online & Self-Paced

Complete 4 hours of New York insurance continuing education online with 1st Choice Continuing Education.

This 4-hour course is designed for New York licensed insurance agents, brokers, and producers who hold Life, Accident & Health lines of authority and need elective CE credit toward the 15-hour New York insurance renewal requirement.

Part 1 of our Life, Accident & Health compliance series focuses on producer duties, life insurance policy standards, annuity best-interest and suitability rules under Regulation 187, replacement requirements under Regulation 60, and consumer protection rules that affect everyday producer conduct.

The course is 100% online and self-paced. You can log in and out anytime without losing your progress, complete the course from any device, and receive your certificate immediately by email after completion. 1st Choice CE reports completed hours to New York within 24 hours.

✅ Course Details

Course Name: 4 Hour New York Life, Accident & Health Insurance Compliance – Part 1 Online CE Course

Approved by: New York State Department of Financial Services

Provider Number: #NYPO-104705

Course Number: #NYCS-285086

Course Length: 4 CE Credit Hours

Course Category: Elective Credit

Course Format: 100% online and self-paced, with a final exam required for self-study credit

Price: $19.99

Certificate: Emailed immediately after completion

Reporting: Completion reported to New York within 24 hours

Support: Call or text 1-800-698-2770

✅ Who Should Take This Course?

This course is intended for New York licensed insurance producers who hold Life, Accident & Health authority and need elective continuing education credit for renewal or relicensing.

This course is a good fit for:

• New York Life insurance agents
• New York Accident & Health insurance agents
• New York Life, Accident & Health brokers
• Producers who sell or service life insurance policies
• Producers who recommend annuities
• Producers who handle replacements under Regulation 60
• Producers who want a practical review of Regulation 187 best-interest and suitability duties
• Agency owners and managers who supervise Life/A&H producers
• Licensees who need 4 elective CE hours toward renewal
• Producers who want a 100% online, self-paced CE course with fast reporting

✅ Does This Course Satisfy the New York Requirement?

Yes. This course provides 4 hours of elective New York insurance continuing education credit.

It counts toward the 15 total CE credits generally required for New York insurance license renewal or relicensing. However, this is an elective course.

This course does not satisfy the separate 1-hour Insurance Law requirement, 1-hour ethics and professionalism requirement, 1-hour diversity/inclusion/elimination of bias requirement, or any flood insurance requirement that may apply to property/casualty licensees.

If you want the full 15 hours for a Life, Accident & Health renewal in one purchase, see our 15 Hour New York Life, Accident & Health Renewal Package listed below.

✅ New York Insurance Continuing Education Requirements

Most New York insurance producers must complete 15 credits of approved continuing education during each licensing period once the license has been in effect for more than two years.

For many licensees, the 15 credits must include:

• At least 1 hour of Insurance Law instruction
• At least 1 hour of ethics and professionalism instruction
• At least 1 hour of diversity, inclusion, and elimination of bias instruction
• At least 1 hour of flood insurance instruction, if licensed to sell one or more lines of property/casualty insurance
• At least 3 hours of enhanced flood insurance instruction, if selling flood insurance through the National Flood Insurance Program

Self-study and online courses require a passing grade on a final exam to receive CE credit.

New York resident licensees must take courses from a New York DFS-approved provider organization. Continuing education must be completed before the renewal or relicensing application is submitted.

✅ When Do New York Insurance Licensees Renew?

New York insurance licenses generally renew every two years. Expiration dates vary by licensee, so producers should check their license record to confirm the exact expiration date.

Individual and TBA producer licenses are generally eligible for renewal within 180 days of the expiration date.

Because continuing education must be completed before submitting the renewal application, it is best to complete your CE early instead of waiting until the final days before expiration.

✅ How to Renew Your New York Insurance License

Step 1: Confirm Your License Type and Expiration Date

Check your New York insurance license record and confirm your license type, lines of authority, and expiration date.

Step 2: Confirm Your CE Requirements

Most producers need 15 CE credits per licensing period. Your required topics may include Insurance Law, ethics and professionalism, diversity and bias elimination, and elective credits. Flood requirements may also apply if you hold property/casualty lines.

Step 3: Enroll in This 4-Hour Elective Course

Enroll online and begin immediately. The course is self-paced and can be completed from a computer, tablet, or phone.

Step 4: Complete the Course and Final Exam

Review the course material, complete the required course steps, and pass the final exam required for online self-study credit.

Step 5: Receive Your Instant Emailed Certificate

After completing the course, your certificate is emailed immediately. Keep a copy for your records.

Step 6: We Report Your Completion

1st Choice CE reports your completed hours to New York within 24 hours when the correct license information is provided.

Step 7: Renew With the State

After completing all required CE, submit your renewal through the New York licensing system before your license expiration date.

✅ What You Will Learn

This course gives New York Life, Accident & Health producers a practical review of producer compliance, life insurance standards, annuity recommendations, replacement rules, and consumer protection duties.

You will review:

• When New York license authority is required to sell, solicit, or negotiate insurance
• Producer appointment, compensation, fiduciary, and license maintenance duties
• Life insurance policy standards, disclosures, and policyholder rights
• Annuity standards and Regulation 187 best-interest and suitability duties
• Regulation 60 replacement requirements for life insurance and annuity transactions
• Advertising, misrepresentation, discrimination, rebating, and consumer protection rules
• Practical documentation and risk-control habits for daily producer work

✅ Course Content Overview

Hour 1: Life, Accident & Health Producer Authority, Licensing Duties, and Professional Compliance

This section reviews the licensing and compliance rules that govern Life, Accident & Health producers in New York.

Topics include:

• Producer definitions under New York Insurance Law §2101
• When selling, soliciting, and negotiating require license authority
• Licensing rules for life, accident, and health agents and brokers under §§2102, 2103, and 2104
• Appointment requirements and insurer-producer authority under §2112
• Compensation rules under §§2114, 2115, 2116, and 2119
• Fiduciary duties for premiums, return premiums, and other insurance funds under §2120
• License maintenance, continuing education, disciplinary exposure, and address-change duties under §§2110, 2132, and 2134

Hour 2: Life Insurance Policy Standards, Disclosures, and Policyholder Rights

This section reviews important New York life insurance policy requirements and disclosure rules.

Topics include:

• Policy form approval requirements under Insurance Law §3201
• Standard life policy provisions under §3203
• Grace periods, incontestability, misstatement of age, policy loans, surrender values, and reinstatement
• Entire-contract rule and application-statement treatment under §3204
• Insurable interest and consent requirements under §3205
• Buyer’s guides, disclosure statements, and informed purchase decisions under §3209
• Premium-due notices, lapse prevention, and policyholder communication under §3211

Hour 3: Annuity Standards, Best Interest, Replacement, and Suitability Duties

This section explains annuity standards, best-interest duties, and replacement requirements that affect producer recommendations.

Topics include:

• Standard provisions for annuity and pure endowment contracts under §3219
• Group annuity contract standards under §3223
• New York best-interest and suitability framework under 11 NYCRR Part 224, Regulation 187
• Consumer information producers should consider when making recommendations
• Age, financial situation, insurance needs, risk tolerance, liquidity needs, time horizon, tax status, and intended use
• Life insurance and annuity replacement requirements under 11 NYCRR Part 51, Regulation 60
• Replacement notices, comparisons, disclosure timing, surrender-charge discussions, and documentation duties

Hour 4: Consumer Protection, Advertising, Discrimination, Rebating, and Producer Risk Control

This section reviews consumer protection laws and producer practices that reduce compliance risk.

Topics include:

• Advertising and public communication restrictions under Insurance Law §2122
• Misleading statements, incomplete comparisons, and misrepresentation concerns under §2123
• Unfair methods of competition and unfair or deceptive acts under Article 24
• Discrimination, rebating, prohibited inducements, and interdependent sales restrictions under §4224
• Unfair claim settlement practices under §2601
• Producer communication during claims
• Application documentation, replacement checklists, client file notes, suitability records, disclosure delivery, complaint handling, and renewal review practices

✅ Other New York Insurance CE Courses

Need more New York insurance CE? Here are other New York insurance courses and packages available from 1st Choice Continuing Education:

• 1 Hour New York Insurance Law Online CE Course – $9.99
• 1 Hour Ethics and Professionalism Online CE Course – $9.99
• 1 Hour Diversity, Inclusion, and Elimination of Bias Online CE Course – $9.99
• 4 Hour New York Life, Accident & Health Insurance Compliance – Part 2 Online CE Course – $19.99
• 4 Hour New York Life, Accident & Health Insurance Compliance – Part 3 Online CE Course – $19.99
• 3 Hour New York Mandatory Topics Package – $14.99
• 15 Hour New York Life, Accident & Health Renewal Package – $39
• 15 Hour New York P&C Insurance Renewal Package – $39

If you also hold property/casualty lines, you may need separate flood-related CE.

• 1 Hour Basic Flood Insurance Online CE Course – $9.99
• 3 Hour Enhanced NFIP Flood Insurance Online CE Course – $14.99
• 4 Hour New York Flood Package – $19.99

✅ Why Choose 1st Choice CE?

• Approved by the New York State Department of Financial Services
• Provider #NYPO-104705 and Course #NYCS-285086
• Affordable price — only $19.99
• 4 hours of New York insurance elective CE
• 100% online and self-paced
• Log in and out anytime without losing your progress
• Instant emailed certificate when you finish
• Course completion reported to New York within 24 hours
• Money-back guarantee
• Over 10 years of continuing education experience
• Support by phone or text at 1-800-698-2770

✅ Enroll Now

Complete your 4 Hour New York Life, Accident & Health Insurance Compliance – Part 1 Online CE Course today for only $19.99.

This New York DFS-approved course is fast, affordable, self-paced, and designed for Life, Accident & Health producers who need elective CE credit for license renewal.