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Annuities Selling Requirements

Understanding the Licensing and Compliance Standards

Selling annuities in the United States requires insurance agents to meet specific licensing and regulatory requirements. Compliance with federal and state regulations ensures agents are well-equipped to provide clients with the best financial solutions.

Obtain a Life Insurance License

  • Agents must hold a valid Life Insurance License issued by their respective state.

  • The license allows agents to sell life insurance and annuity products.

Complete Annuity-Specific Training

  • Most states require a 4-hour or 8-hour annuity certification course before selling annuities.

  • Training must be provided by a state-approved education provider.

  • Topics include annuity types, suitability, disclosure requirements, and ethical considerations.

Understand State-Specific Regulations

  • Each state has its own rules regarding annuity sales, disclosure statements, and replacements.

  • Agents should verify requirements with their state insurance department.

FINRA Registration (If Applicable)

  • For variable annuities, agents must hold a FINRA Series 6 or Series 7 license.

  • Must also be registered with a Broker-Dealer and hold a Variable Life & Annuities license in their state.

Maintain Continuing Education (CE) Credits

  • Agents must complete ongoing CE courses to maintain their annuity certification.

  • Most states require 4-hour refresher courses every two years to stay compliant.

Adhere to the NAIC Best Interest Standard

  • Agents must comply with National Association of Insurance Commissioners (NAIC) Model Regulation.

  • Ensures annuity recommendations are in the best interest of clients.

Additional Considerations

  • Some states require additional disclosures and consumer protection measures.

  • Agents selling indexed or structured annuities may need additional specialized training.

  • Compliance with anti-money laundering (AML) training may be required by certain insurers.

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Get Licensed and Start Selling Annuities

Meeting these requirements ensures agents can confidently and legally sell annuity products across the U.S. Stay informed, maintain compliance, and provide clients with the best annuity solutions tailored to their financial needs.

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