Looking Forward to Retirement

Helping Clients Use Annuities and Insurance to Make the Most of Their Retirement Years

$8.00 + your state filing fee
4 Credit Hours

This course favors L&H insurance agents but is applied as general credit for all agents.


This course covers the following topics:
  • An overview of the basics of both life insurance and annuities.
  • A discussion of the important role both life insurance and annuities play in the retirement planning process.
  • Ethical considerations when selling insurance or annuities.


Life insurance and annuities are two common, and popular, forms of long-term investments for financial planning that are available on the market today. Unfortunately, many people get these two products confused. While annuities are designed to provide funds for an individual to live on, the goal of life insurance serves to provide for an individual’s family and other dependents once he or she passes away. So while the two products have different ends, both play critical roles in the retirement planning process. In this course, we will explain the basics of both life insurance and annuities, and the important role both play in the retirement planning process.


1. Introduction to Retirement Planning

  • 1.1 Overview
  • 1.2 Purpose of the Course
  • 1.3 Life Insurance 101
  • 1.4 History of Life Insurance Products
  • 1.5 Annuities 101
  • 1.6 A Brief History of Annuities
  • 1.7 Recommending the Best Plan for Your Client’s Retirement Needs
  • 1.8 Summary
  • Chapter 1 Quiz

2. Understanding Life Insurance

  • 2.1 Why Life Insurance?
  • 2.2 Forms of Life Insurance
  • 2.3 Life Insurance: Fact or Fiction?
  • 2.4 A Closer Look at Term Life
  • 2.5 Types of Term Life Insurance
  • 2.6 A Closer Look at Permanent Life
  • 2.7 Types of Permanent Life Insurance
  • 2.8 Summary
  • Chapter 2 Quiz

3. Comparing and Selecting Life Insurance Policies

  • 3.1 Overview
  • 3.2 When to Suggest Term Life Insurance
  • 3.3 Strategies to Using Term Life Policies
  • 3.4 When to Suggest Permanent Life Insurance
  • 3.5 Summary
  • Chapter 3 Quiz

4. Understanding Annuities

  • 4.1 Overview
  • 4.2 Types of Annuities
  • 4.3 Election of Payment Options
  • 4.4 Potential Client Profiles
  • 4.5 Annuities: Frequently Asked Questions
  • 4.6 Summary
  • Chapter 4 Quiz

5. Ethical Considerations When Selling Insurance and/or Annuities

  • 5.1 Overview
  • 5.2 Advantages and Disadvantages of Life Insurance
  • 5.3 Advantages and Disadvantages of Annuities
  • 5.4 Ethical Considerations and Suitability in Selling Life Insurance
  • 5.5 Understanding the Suitability in Annuity Transactions Model Regulation
  • 5.6 Summary
  • Chapter 5 Quiz

Final Exam

  • Final Exam


Q: What should I expect from this online course?

A: We use a unique system to help you learn the material easily. Our online courses present you with information in large type that is easy to read. We highlight key items in gray and quiz you after each chapter to make sure you are learning critical information. You may review the material as much as you want before taking your required online, multiple-choice exam. Passing the exam proves your proficiency in that subject to your state’s governing authority.

Q: Can I print my online course materials and test questions?

A: According to the state authority, it is not permissible to print or download any course material or exam questions. However, you are free to access all online courses from our website anytime.

Q: How long does it take to complete an online course?

A: The time required to complete an online course varies from student to student, but it roughly approximates the number of credit hours awarded for the course. You must pass an online, multiple-choice exam. Passing the exam proves your proficiency in that subject to your state’s governing authority.