Course Description

4-Hour Annuity Best Interest/Suitability – Illinois

Approved by the Illinois Department of Insurance | Provider #500032058 | Course ID #6000205130 ✅
Only $19.99 — No added or extra fees (includes Illinois’ $4 state reporting fee)

Get compliant with Illinois’ NAIC Best-Interest annuity standard in a fast, fully online format. This 100% self-paced course lets you log in and out anytime, finish on your schedule, and download an instant certificate at completion. We report your credits within 24 hours. With 10+ years serving thousands nationwide, 1st Choice CE keeps your CE simple and transparent. Support by call or text: 1-800-698-2770.

Who Should Take This Course?

• Illinois resident or nonresident producers/agents who sell, solicit, or negotiate annuities

• New annuity writers who need the one-time 4-hour Best-Interest training

• Experienced agents seeking a concise refresher on disclosures, documentation, and senior-client safeguards

Illinois CE & Renewal — What to Know

• Most producers: 24 total CE hours every 2 years, which must include 3 hours of Ethics.

• Annuity training: Illinois follows the NAIC Best-Interest model; you must complete a one-time 4-hour course before selling annuities (this course fulfills that requirement).

• Transparent pricing: Many providers add Illinois’ $1 per CE hour reporting fee at checkout. Your $19.99 price already includes the full $4—no surprises.

• Delivery: 100% online and self-paced; your progress is saved automatically.

How to Renew (Step-by-Step)

Step 1 — Plan your CE. Target 24 hours each two-year term (including 3 Ethics). If you sell annuities, ensure you’ve completed the one-time 4-hour Best-Interest course.

Step 2 — Complete this course online. Learn anywhere, anytime; your place is saved.

Step 3 — Get your instant certificate. Download immediately for your records and carrier appointments.

Step 4 — We report within 24 hours. Your credits are submitted promptly to Illinois.

Step 5 — Renew on time. File your renewal by your due date and retain your certificate.

What You’ll Learn — Course Outline (4 Hours Total)

(From the approved syllabus; timed in 50-minute hours.)

Hour 1 — Regulatory Framework & Best-Interest Standard
NAIC model purpose; key definitions (recommendation, consumer profile, material conflict, replacement); duties of care/disclosure/conflict-mitigation; how best-interest surpasses suitability; insurer vs. producer roles & supervision; documentation/recordkeeping and handling consumer refusals.

Hour 2 — Producer Duties Across the Sales Process
Collecting consumer profile data; needs analysis & reasonable-basis determinations; product feature & risk disclosures (fees, surrenders, caps/spreads, market risk); compensation/conflict disclosures; replacements & 1035 comparisons; serving seniors & vulnerable adults.

Hour 3 — Annuity Products, Riders & Risk–Reward
Fixed/indexed/variable annuities; common riders (GLWB/GMWB, GMAB, DB, NH waivers); surrenders, MVAs & free-look; explicit/implicit costs & opportunity cost; tax basics (deferral, RMDs, pre-59½ penalties, qualified vs. non-qualified); limits on back-tests & hypotheticals.

Hour 4 — Supervision, Advertising, Ethics & Case Studies
Insurer supervision & file review; what counts as advertising (digital/social/seminar) & approvals; prohibited practices (twisting/churning/misrepresentation); complaints, rescission & remediation; multi-state nuances/reciprocity; applied case studies with full documentation.

Why Choose 1st Choice CE?

✅ Illinois-Approved (Provider #500032058, Course #6000205130)
✅ $19.99 flat — no extra fees (state reporting included)
✅ 100% Online & Mobile-Friendly
✅ Self-Paced — Log in/out anytime
✅ Instant Certificate
✅ Credits Reported Within 24 Hours
✅ Money-Back Guarantee
✅ Over 10 Years trusted by thousands

✅ Need More Illinois Insurance CE Hours?

✅ 4-Hour Annuity Best Interest/Suitability – Illinois – $19.99

✅ 4-Hour Long-Term Care Insurance Partnership Training – Illinois – $19.99

✅ 3-Hour Flood Insurance (NFIP) – Illinois – $15.99

Support When You Need It

✅ Have a question about Illinois annuity training, the Illinois Department of Insurance, or this course? Call or text us at 1-800-698-2770.

We also speak Spanish.

Enroll Now

✅ Enroll in the 4-Hour Annuity Best Interest/Suitability course for Illinois for $19.99 and check off your one-time annuity training and 4 hours of CE today.

Frequently Asked Questions

Is this course approved in Illinois?

Yes. It is approved by the Illinois Department of Insurance under Provider #500032058 and Course #6000205130.

Does this course satisfy Illinois's one-time annuity training requirement?

Yes. Illinois follows the NAIC Best-Interest model and requires a one-time 4-hour annuity best-interest course before selling annuities. This course satisfies that requirement.

How many CE hours does this course provide?

4 credit hours.

How much does the course cost?

$19.99 - the Illinois reporting fee is already included in the price.

Is the course 100% online?

Yes. The course is 100% online and self-paced.

When will I get my certificate?

You can download your instant certificate of completion the moment you finish.

Do you report my hours to the Department?

Yes. We report your hours to the Illinois Department of Insurance within 24 hours of completion.

Can my Illinois Ethics CE be self-paced too?

No. Illinois requires Ethics CE to be completed in a classroom or live webinar format - it cannot be self-paced. Complete your 3-hour Ethics CE in that format separately.

What is Illinois's total CE requirement?

Most producers need 24 total CE hours every 2 years, including 3 hours of Ethics.

Who should take this course?

Illinois resident or nonresident insurance producers and agents who sell, solicit, or negotiate annuities.

What does the course cover?

Regulatory framework and the NAIC best-interest standard; producer duties across the sales process; annuity products, riders, and risk-reward characteristics; and supervision, advertising, ethics, and case studies.

Is there a money-back guarantee?

Yes. The course is backed by a money-back guarantee.

What if I need help during the course?

Call or text us at 1-800-698-2770 and a team member will help. Spanish speakers welcome.

Course Details

• Approved by Illinois Department of Insurance
• Approved Provider #500032058
• Approved Course #6000205130
• Instant Access - Online Course.
• Study At Your Own Pace. Anytime.
• On Any Device. Phone, Tablet, or Computer.
• Hassle Free Navigation. Easy to Follow.
• Certificate emailed immediately upon completion.
• 1-800-698-2770 for any questions.