16 Hour Life & Health Insurance CE Package – Virginia

✅ 16 Hour Life & Health CE Package – Virginia

✅ Approved by Virginia Insurance Continuing Education Board | Provider #164929 | Includes 4 Approved Courses | All 16 Required Hours | Only $54.99 | Instant Emailed Certificates | 100% Online & Self-Paced

Complete your entire Virginia insurance agent renewal — all 16 hours, including the 3 required ethics hours — in one approved package for $54.99. Every course is approved by the Virginia Insurance Continuing Education Board under provider #164929, and a single-category agent needs nothing else to satisfy the biennium.

All four courses are 100% online and self-paced. Log in and out as often as you need without losing progress, take them in any order, and finish over as many sittings as you like. A certificate is emailed to you the moment you complete each course, and 1st Choice CE reports your completions to Virginia.

✅ What Is Included

• 3 Hour Ethics for Insurance Agents — 3 hours — Virginia course #229598
• 4 HRs Health Insurance and Affordable Care Act Updates — 4 hours — Virginia course #230315
• 4 HRs Medicare Advantage and Part D Update — 4 hours — Virginia course #230314
• 5 HRs Life Insurance Products and Retirement Planning — 5 hours — Virginia course #230313

Total: 16 hours, including the 3 required ethics hours.

✅ Package Details

• Package name: 16 Hour Life & Health CE Package – Virginia
• Approved by: Virginia Insurance Continuing Education Board
• Provider number: 164929
• Courses included: 4, each separately approved — #229598, #230315, #230314, #230313
• Total length: 16 hours
• Ethics hours included: 3
• Course format: 100% online, self-paced
• Price: $54.99 (the four courses cost $91.96 bought separately)
• Certificates: emailed immediately after each course
• Reporting: 1st Choice CE reports your completions
• Approval active through: 07-31-2028 for the three Life & Health courses; 12-31-2027 for the ethics course
• Virginia requirement: the September 2024 Course Introduction Statement is presented at the beginning of each course, as Virginia requires for every approved CE course
• Page URL: https://1stchoice-ce.com/courses/checkout/virginia/16-hr-life-health-insurance-ce-package-virginia/
• Support: call or text 1-800-698-2770

✅ Who Should Take This Package?

• Virginia resident insurance agents licensed in a single license category
• Life and annuities agents renewing their Virginia license
• Health agents renewing their Virginia license
• Agents who want the ethics requirement and the full hour total handled in one purchase
• Agents who sell Medicare Advantage, Part D, or Marketplace health plans
• Agents who would rather not track four separate course purchases before a deadline

✅ Does This Package Satisfy the State Requirement?

For an agent licensed in a single license category, yes. Virginia requires 16 hours of continuing education per biennium for a single category, and three of those hours must be in insurance ethics. This package provides all 16 hours and includes the 3 required ethics hours.

For an agent licensed in more than one category, the requirement is 24 hours with a minimum of eight credit hours in each category held. This package provides 16 of those 24 and satisfies the ethics requirement, but you would still need at least 8 hours in your other category. Check your license record to confirm how many categories you hold before you buy.

✅ Virginia Continuing Education Requirements

Under Virginia Code § 38.2-1866, an agent licensed in a single license category completes 16 hours of continuing education each biennium. An agent holding licenses in more than one category completes 24 hours, with a minimum of eight credit hours in each category held. Of the total required credits for each biennium, three credit hours must be in insurance ethics, which may include insurance law and regulations applicable in the Commonwealth.

• 16 hours per biennium for a single license category
• 24 hours per biennium for multiple categories, with at least 8 hours in each category held
• 3 of the total credits must be in insurance ethics, which may include Virginia insurance law and regulations
• No more than 75 percent of required credits may come from courses provided by insurance companies or agencies
• Single categories include life and annuities, health, property and casualty, personal lines, and title

Virginia exempts agents licensed during the final 13 months of a two-year period from the requirement for that biennium, under § 38.2-1871. Nonresident agents who meet their home state's requirements and consultants who satisfy the requirement for each license category held are also addressed there. Check your own license record rather than assuming an exemption applies.

How this package helps: This package provides all 16 credit hours a single-category Virginia agent must complete each biennium, including the 3 required insurance ethics hours. Nothing further is required for a single-category renewal. If you hold more than one license category your total is 24 hours with a minimum of 8 in each category, and this package covers 16 of them plus the ethics requirement. Because 1st Choice CE is an independent provider, none of these hours count against the 75 percent cap on courses provided by insurance companies or agencies.

✅ When Do Licensees Renew?

Virginia agents renew on a two-year biennium. Confirm your own biennium end date on your license record or renewal notice rather than assuming a statewide calendar deadline. Because the requirement differs depending on how many license categories you hold, the first thing to establish is whether you are a 16-hour or a 24-hour agent — and if you hold more than one category, whether you have the eight-hour minimum in each. An agent who holds two categories and completes 24 hours all in one category has not met the requirement.

✅ How to Renew Your License

1. Confirm how many license categories you hold — This determines whether you owe 16 hours or 24. If you hold more than one category, you also owe at least 8 hours in each.
2. Check your biennium end date — Confirm it on your license record or renewal notice. Do not assume a statewide calendar deadline.
3. Complete the required hours, including 3 in ethics — Ethics may include Virginia insurance law and regulations. Verify the ethics credits specifically.
4. Watch the 75 percent sponsorship cap — No more than 75 percent of your required credits may come from courses provided by insurance companies or agencies. Independent provider courses are not subject to that cap.
5. Allow provider reporting time — Finish coursework early enough for your completions to post before the biennium closes.
6. Renew and confirm — Follow the renewal instructions in your notice, submit the renewal, and verify afterward that your record shows an active status and an updated expiration date.

✅ What You Will Learn

• Apply Virginia insurance ethics standards to real client situations and disclosure decisions
• Explain individual, small-group, and large-group health plan structures accurately
• Guide clients through Marketplace enrollment, premium tax credits, and cost-sharing reductions
• Compare Medicare Advantage plan types and work through Part D formularies and appeals
• Follow CMS marketing and compliance standards governing Medicare sales
• Match term, whole life, and universal life designs to a client’s protection and legacy goals
• Compare fixed, indexed, and variable annuities on crediting, cost, liquidity, and income features
• Handle beneficiary designations, replacements, and 1035 exchanges without creating avoidable harm

✅ Course Content Overview

3 Hour Ethics for Insurance Agents — 3 hours, Virginia course #229598

• Apply the duties an agent owes the client, the insurer, and the public, and recognize where they conflict.
• Work through suitability, disclosure, and replacement standards using realistic client scenarios.
• Identify the advertising, recordkeeping, and complaint-handling practices that keep an agent out of trouble.

4 HRs Health Insurance and Affordable Care Act Updates — 4 hours, Virginia course #230315

• Hour 1: Health Insurance Landscape, Plan Types, and Core Coverage Concepts — compare individual, small-group, and large-group health plan structures to clarify how underwriting, eligibility, and employer involvement affect coverage design and consumer options.
• Hour 2: Affordable Care Act Framework, Marketplace Enrollment, and Practical Updates — review key ACA provisions (essential health benefits, preventive services, guaranteed issue, and rating limits) to reinforce what must be included in compliant major medical coverage.
• Hour 3: Supplemental Health Products and Emerging Coverage Trends — review disability income and long-term disability concepts (definitions of disability, elimination periods, benefit periods, offsets, and residual benefits) to connect wage protection to overall financial planning.
• Hour 4: Regional Market Considerations, Compliance, and Client Communication Standards — review regional operational considerations (carrier availability patterns, network realities, and consumer shopping behaviors) to improve practical plan positioning in the agent's local market.

4 HRs Medicare Advantage and Part D Update — 4 hours, Virginia course #230314

• Hour 1: Medicare Advantage Plan Landscape, Benefits, and Current Market Realities — review Medicare eligibility and coverage structure to clarify how Parts A/B connect to Medicare Advantage and why that foundation matters for accurate plan discussions.
• Hour 2: Medicare Part D Updates, Formularies, and Pharmacy-Focused Decision Points — review the Part D benefit structure (phases, member cost responsibilities, and plan design basics) so agents can accurately set expectations about out-of-pocket costs.
• Hour 3: Enrollment Rules, Special Circumstances, and Coordination with Other Coverage — review enrollment periods (IEP, AEP, OEP, SEP) and effective date rules to prevent timing errors that commonly lead to complaints and coverage gaps.
• Hour 4: Compliance, Marketing Standards, and Ethical Sales Practices for Medicare Products — review CMS compliance concepts (scope of appointment principles, required disclaimers, documentation expectations, and permitted vs. prohibited conduct) to reduce regulatory exposure.

5 HRs Life Insurance Products and Retirement Planning — 5 hours, Virginia course #230313

• Hour 1: Life Insurance Foundations and Product Fit in Retirement Planning — review core life insurance concepts (risk pooling, insurable interest, contract structure, and policy ownership) to establish a clear foundation for product selection and client communication.
• Hour 2: Permanent Life Insurance Features, Policy Performance, and Client Expectations — explain whole life policy components (guarantees, dividends as applicable, paid-up additions, and nonforfeiture options) to clarify how benefits may accumulate over time.
• Hour 3: Annuity Products Beyond the Basics and Their Role in Retirement Income — review annuity fundamentals (accumulation vs. distribution, contract parties, and the insurance function of longevity protection) to connect product structure to retirement goals.
• Hour 4: Taxation and Retirement Planning Integration for Life Insurance and Annuities — review tax basics for life insurance (death benefit treatment, basis concepts, policy loans, partial surrenders, and lapses) to prevent inaccurate “tax-free” assumptions in planning conversations.
• Hour 5: Estate Planning Uses, Policy Replacement Standards, and Compliance Expectations — review beneficiary designations and ownership structures (individual, trust-owned concepts, and common pitfalls) to reduce unintended outcomes and improve coordination with estate plans.

✅ Other Related Courses

• 3 Hour Ethics for Insurance Agents – $22.99
• 3-Hour Flood Insurance (NFIP) – $22.99
• 4-Hour Annuity Best Interest/Suitability – $22.99
• 4 Hrs Ongoing Long-Term Care Insurance Partnership Training – $22.99
• 4 HRs Health Insurance and Affordable Care Act Updates – $22.99
• 4 HRs Medicare Advantage and Part D Update – $22.99
• 5 HRs Life Insurance Products and Retirement Planning – $22.99

✅ Why Choose 1st Choice CE?

• Approved provider and four approved courses in Virginia
• All 16 required hours in one purchase at $54.99, versus $91.96 buying separately
• No ancillary or per-student fees
• 100% online and self-paced
• Log in and out anytime without losing progress
• Instant emailed certificate after each course
• Completions reported to Virginia
• Independent provider, so no hours count against the 75 percent sponsorship cap
• Money-back guarantee
• Over 10 years of continuing education experience
• Support by phone or text at 1-800-698-2770

✅ Enroll Now

Finish your entire Virginia renewal today for $54.99.

Enroll in the 16 Hour Life & Health CE Package – Virginia

Questions first? Call or text 1-800-698-2770.

✅ Frequently Asked Questions

Does this package complete my Virginia renewal?

Yes, for an agent licensed in a single license category. Virginia requires 16 hours per biennium for a single category, and this package provides all 16, including the 3 required ethics hours.

What if I hold more than one license category?

Then your requirement is 24 hours, with at least 8 hours in each category you hold. This package provides 16 of those 24 and covers the ethics requirement, but you would still need 8 more hours in your other category.

Is every course in the package approved in Virginia?

Yes. All four are approved under provider #164929: ethics #229598, ACA #230315, Medicare #230314, and Life & Retirement #230313.

Does it include the required ethics hours?

Yes. The 3 Hour Ethics for Insurance Agents course is included, and Virginia allows those ethics credits to include Virginia insurance law and regulations.

How much do I save versus buying the courses separately?

The four courses cost $91.96 separately. The package is $54.99, so you save $36.97.

Are there any additional or hidden fees?

No. $54.99 is the total. There are no ancillary or per-student fees.

Is the package online?

Yes. All four courses are 100 percent online and self-paced. Take them from any device with an internet connection.

Do I have to take the courses in order?

No. Work through them in whatever order suits you, and finish over as many sittings as you like.

Can I log out and come back later?

Yes. Your progress is saved in every course, and you resume where you stopped.

How do I get my certificates?

A certificate is emailed to you as soon as you complete each course.

How is my completion reported?

1st Choice CE reports your completions to Virginia. Save your certificates for your own records.

What is the September 2024 Course Introduction Statement?

Virginia requires that statement to be presented at the beginning of every approved CE course, in writing or orally, regardless of format. You will see it when you start each course in this package.

Does the 75 percent sponsorship cap affect this package?

No. That cap applies to courses provided by insurance companies or agencies. 1st Choice CE is an independent provider, so all 16 hours count.

When is my renewal due?

Virginia agents renew on a two-year biennium. Confirm your biennium end date on your license record or renewal notice.

Am I exempt if I was licensed recently?

Possibly. Under § 38.2-1871, agents licensed during the final 13 months of a two-year period are exempt for that biennium. Check your own license record before assuming it applies.

Is there a money-back guarantee?

Yes. If the package is not what you expected, contact us at 1-800-698-2770.