Training and Education

The Company expect its agents to be trained and educated throughout their careers.  Training and education build competency and allow you to assist prospects and clients to make informed buying decisions.

Ethics and Compliance

Ethics and compliance training are two areas you cannot overlook.  It is your responsibility to learn and understand the ethical principles, compliance laws and regulations, and the procedures an in certain may require.

Meeting and Training Standards

There are several ways you can meet insurance related ethical and compliance training standards.  These include:

  • Reviewing the materials in this guide.
  • Reviewing agent guides that are published by insurance companies.
  • Complete a formal insurance course or program in ethics. Some states require as part of your state’s licensing or continuing education requirements.
  • Read, review and comply with any compliance bulletins, notices, and manuals.
  • Know the insurance regulations of the states where you do business.  Depending on the state and the type of business involved, these regulations and requirements might include: replacement, buyers’ guide and sales illustration requirements; special disclosure requirements; licensing, and claim and complaint-handling requirements; and underwriting requirements, such as delivering notices to clients concerning privacy rights, state guarantee funds, credit report rights, or other matters.

Product Training

Agents are required to be knowledgeable about the products and services they sell and must maintain a commitment to product training.  The degree and scope of training will vary by the clients you work in and the complexity of products you offer, there are a variety of sources you can access.  Knowing the product and pursuing product training is ultimately your responsibility.

Continuing Education

States require agents to continue their professional insurance education.  Insurance departments generally provide credit for approved courses, which enhance an agent’s professionalism, general product knowledge, and ethics.  If you don’t satisfy the continuing education laws, your state could suspend or lapse your insurance license.


Care should be exercised in using a professional designation or credential that implies an expertise in senior investments or retirement planning.  When determining if a designation implies special expertise in this area, carefully consider any word such as “senior,” “retirement,” or “elder,” when combined with words such as “certified,” “chartered,” “advisor,” “specialist,” “consultant,” “planner,” or like words.  Be certain to present yourself and your credentials honestly.