24 Hour Life & Health Insurance CE Package - West Virginia

✅ Approved by West Virginia Offices of the Insurance Commissioner | Provider #236324 | Includes 6 Approved Courses | Only $84.99 | Instant Emailed Certificate | 100% Online & Self-Paced

Complete all 24 West Virginia continuing education hours — including the required 3 hours of ethics — in one WV Offices of the Insurance Commissioner-approved online package for $84.99. Bought separately these 6 courses total $119.94, so the package saves you $34.95.

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 West Virginia. 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: 24 Hour Life & Health Insurance CE Package - West Virginia
• Approved By: West Virginia Offices of the Insurance Commissioner
• Provider Number: 236324
• Courses Included: 6 separately approved courses
• Package Length: 24 credit hours
• Course Category: Life And Health
• Course Format: 100% online, self-paced
• Price: $84.99 (separately $119.94 — you save $34.95)
• Certificate: Emailed immediately as you complete each course
• Reporting: 1st Choice CE reports approved completions to West Virginia
• Support: Phone or text 1-800-698-2770

✅ What's Included in This Package

• 3 Hour Ethics for Insurance Agents — 3 hours — Course #113669
• 4 HRs Health Insurance and Affordable Care Act Updates — 4 hours — Course #114964
• 4 HRs Medicare Advantage and Part D Update — 4 hours — Course #114963
• 4 Hrs Ongoing Long-Term Care Insurance Partnership Training — 4 hours — Course #113668
• 4-Hour Annuity Best Interest/Suitability — 4 hours — Course #113671
• 5 HRs Life Insurance Products and Retirement Planning — 5 hours — Course #114962

Total: 24 credit hours across 6 approved courses.

✅ Who Should Take This Course?

• West Virginia resident life, accident and health insurance producers renewing a license
• Producers who want the entire 24-hour 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 24-hour West Virginia continuing education requirement for a standard two-year (biennial) compliance period, including the 3-hour ethics requirement. Every course in it is separately approved by the West Virginia Offices of the Insurance Commissioner under provider #236324.

✅ West Virginia Continuing Education Requirements

West Virginia resident insurance producers complete 24 credit hours of approved continuing education during each two-year compliance period, and at least 3 of those hours must be ethics credit. The compliance period is coextensive with the license period, so a producer's CE deadline is the same as the license expiration date. West Virginia does not cap self-study or online hours, which means an approved online course can be used for any part of the 24-hour total.

• 24 credit hours of approved continuing education per biennial compliance period
• 3 of those 24 hours must be in ethics — ethics hours cannot be met with general credit
• The remaining 21 hours may be general or elective insurance credit
• No self-study cap. West Virginia does not limit how many of the 24 hours may be completed by approved self-study or online instruction
• Producers who sell long-term care insurance must complete a one-time 8-hour LTC training and at least 4 hours of ongoing LTC training each biennium thereafter
• Producers who sell annuities must complete a one-time 4-hour annuity training
• Up to 6 excess credit hours may be carried into the next biennium; ethics and long-term care hours do not carry over as ethics or LTC credit

How this package helps: This package provides all 24 hours West Virginia requires for each two-year (biennial) compliance period, including the 3 required ethics hours. It is a complete renewal package — no additional coursework is needed for the standard producers requirement. 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?

West Virginia resident producer licenses are issued on a biennial cycle and expire on the last day of the licensee's birth month. Continuing education must be complete by that expiration date. Because approved providers are allowed up to 30 days to file completion rosters with the state, the Insurance Commissioner advises producers not to wait until the final weeks — a course finished fewer than 30 days before expiration may not post in time for the renewal to process. There is no grace period to keep transacting business after expiration, although a separate late-renewal path exists for up to twelve months after the expiration date.

✅ How to Renew Your License

Step 1: Confirm your license type and expiration date

Check your West Virginia license record for your exact expiration date — the last day of your birth month — and confirm which lines of authority you hold.

Step 2: Review your current CE transcript

Look at your continuing education transcript to see how many general and ethics hours are already posted for the current biennium, and what is still outstanding.

Step 3: Complete the full 24 hours, including 3 ethics hours

Finish all required coursework before your expiration date. Ethics credit must come from courses approved in the ethics category.

Step 4: Allow time for provider reporting

Approved providers have up to 30 days to report completions. Finish your coursework at least 30 days before expiration so the credit posts before you renew.

Step 5: Verify the credits posted

Re-check your CE transcript and confirm that every course appears with the correct hour count and category before you start the renewal.

Step 6: Submit your renewal and pay the fee

File your producer renewal electronically through the state's designated licensing system, or by the paper renewal application the Commissioner accepts, and pay the renewal fee.

Step 7: Save your records and confirm active status

Keep your completion certificates — West Virginia requires licensees to retain them for at least four years — and verify your license shows an active status with an updated expiration date.

✅ What You Will Learn

• The ethics standards and consumer-protection duties West Virginia 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 24-hour West Virginia 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 West Virginia. Approved under state course #113669.

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

4 approved credit hours covering the required subject matter for this topic in West Virginia. Approved under state course #113668.

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

4 approved credit hours covering the required subject matter for this topic in West Virginia. Approved under state course #113671.

5 HRs Life Insurance Products and Retirement Planning (5 hours)

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

✅ Other Related Courses

• 3 Hour Ethics for Insurance Agents - West Virginia – $19.99
• 4 HRs Health Insurance and Affordable Care Act Updates - West Virginia – $19.99
• 4 HRs Medicare Advantage and Part D Update - West Virginia – $19.99
• 4 Hrs Ongoing Long-Term Care Insurance Partnership Training - West Virginia – $19.99
• 4-Hour Annuity Best Interest/Suitability - West Virginia – $19.99
• 5 HRs Life Insurance Products and Retirement Planning - West Virginia – $19.99

✅ Why Choose 1st Choice CE?

• Every course approved by the West Virginia Offices of the Insurance Commissioner — provider #236324
• $84.99 for all 6 courses, versus $119.94 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 West Virginia
• 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 24 Hour Life & Health Insurance CE Package - West Virginia today for $84.99 and handle your entire 24-hour 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 West Virginia?

Yes. All 6 courses are approved by the West Virginia Offices of the Insurance Commissioner under provider #236324. Each course carries its own state course number, listed on this page.

Does this package complete my entire West Virginia renewal requirement?

Yes. It provides all 24 hours required for a standard two-year (biennial) compliance period, including the 3 required ethics hours.

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?

6 separate approved courses, totaling 24 hours.

How much do I save versus buying the courses separately?

Purchased individually these courses total $119.94. The package is $84.99, a savings of $34.95.

Are there any hidden or per-course fees?

No. $84.99 is the total price for all 6 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 West Virginia electronically. Keep your certificate, because West Virginia requires licensees to retain completion certificates for at least four years and to produce them on request.

When is my continuing education due?

West Virginia resident producer licenses are issued on a biennial cycle 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.