✅ 4 Hour New York Life, Accident & Health Insurance Compliance – Part 3 Online CE Course

✅ Approved by the New York State Department of Financial Services | Provider #NYPO-104705 | Course #NYCS-285084 | 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 3 of our Life, Accident & Health compliance series focuses on long-term care insurance, nursing home coverage, home care coverage, Medicare supplement and Medicare Select standards, disability income insurance, limited-benefit coverage, privacy, cybersecurity, fraud prevention, rebating, and producer risk control.

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 3 Online CE Course

Approved by: New York State Department of Financial Services

Provider Number: #NYPO-104705

Course Number: #NYCS-285084

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 long-term care, nursing home, or home care insurance
• Producers who work with Medicare supplement or Medicare Select products
• Producers who sell disability income, hospital indemnity, or limited-benefit coverage
• Producers who handle nonpublic client information
• Producers who want a practical review of cybersecurity and fraud-prevention duties
• 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 senior-market coverage, long-term care, disability income, limited-benefit policies, privacy, cybersecurity, fraud prevention, and producer risk control.

You will review:

• New York long-term care, nursing home, and home care insurance standards
• Permissible and prohibited exclusions in long-term care coverage
• Medicare supplement and Medicare Select standards
• Senior-market disclosure and replacement concerns
• Disability income and limited-benefit coverage rules
• How to distinguish supplemental coverage from major medical, Medicare supplement, and long-term care insurance
• Cybersecurity and privacy duties for nonpublic client information
• Fraud red flags, rebating prohibitions, advertising controls, and daily producer risk-control practices

✅ Course Content Overview

Hour 1: Long-Term Care Insurance, Nursing Home Coverage, and Home Care Coverage

This section reviews New York long-term care insurance standards and producer responsibilities when discussing care-related coverage.

Topics include:

• Long-term care insurance authority under New York Insurance Law §1117
• Clear disclosure of benefits, limitations, and policy provisions
• Policy form approval and contract standards under §§3201, 3204, and 3216
• Minimum standards for long-term care, nursing home, and home care coverage under 11 NYCRR §52.25
• Permissible and prohibited exclusions and limitations
• Preexisting condition limitations, Medicare or governmental program issues, and services for which no charge is normally made
• Replacement concerns under 11 NYCRR §52.29
• Suitability discussions, benefit triggers, elimination periods, home care versus facility care, rate increase disclosures, and New York Partnership long-term care coverage questions

Hour 2: Medicare Supplement, Medicare Select, Senior-Market Disclosures, and Replacement Issues

This section reviews Medicare supplement and senior-market compliance standards.

Topics include:

• Medicare supplement and Medicare Select standards under 11 NYCRR Part 58
• Minimum standards for form, content, sale, and full and fair disclosure
• Cancellation and nonrenewal protections under 11 NYCRR §58.1
• Standardized Medicare supplement benefit plans under 11 NYCRR §58.2
• Plan letters, benefit structures, limitations, and standardized benefits
• Core Medicare supplement benefit requirements under 11 NYCRR §58.4
• Coordination with original Medicare
• Senior-market replacement and duplication concerns under 11 NYCRR Parts 52 and 58
• Comparing Medicare supplement, Medicare Advantage, long-term care, hospital indemnity, and limited-benefit coverage
• Approved materials, client questions, premium changes, and avoiding misleading comparisons

Hour 3: Disability Income Insurance, Limited Benefit Coverage, Coordination, and Disclosure

This section focuses on disability income coverage, limited-benefit products, and producer disclosure responsibilities.

Topics include:

• Disability benefits connected with life insurance and annuity contracts under New York Insurance Law §3215
• Waiver-of-premium, disability income, and other disability-related features
• Individual accident and health policy standards under §3216
• Required provisions, optional provisions, exclusions, renewability, and policy limitations
• Regulation 62 minimum standards for disability income and limited-benefit health insurance under 11 NYCRR Part 52
• Disclosure language designed to prevent consumer confusion
• Disability income coordination and offset concerns under 11 NYCRR §52.16
• Accident-only, specified disease, hospital indemnity, and other limited-benefit coverage issues
• Documenting income, occupation, benefit period, elimination period, renewability, exclusions, tax treatment questions, existing coverage, and client understanding

Hour 4: Privacy, Cybersecurity, Fraud Prevention, Rebating, and Producer Risk Control

This section reviews fraud prevention, cybersecurity, rebating, advertising, and practical producer risk-control habits.

Topics include:

• Insurance fraud prevention under New York Insurance Law Article 4
• Fraud-related concepts under §§401, 403, 405, and 409
• Life/A&H fraud red flags involving applications, replacements, medical information, claims, premium payments, identity concerns, beneficiaries, and ownership changes
• Cybersecurity and protection of nonpublic information under 23 NYCRR Part 500
• Safeguarding client health, financial, identifying, application, policy, and payment information
• Discrimination, rebating, prohibited inducements, and interdependent sales restrictions under §4224
• Advertising, comparison, and representation controls under §§2122, 2123, and 4226
• Secure intake procedures, file notes, replacement documentation, complaint escalation, suspicious-activity referral, approved sales materials, and careful handling of health and financial information

✅ 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 1 Online CE Course – $19.99
• 4 Hour New York Life, Accident & Health Insurance Compliance – Part 2 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-285084
• 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 3 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.