ASSESSMENT 01
Financial Planning / Insurance
Annuities (2026)
Annuities examines the annuity concept and explains what an annuity is and how it works. The mechanics of the accumulation and payout phases of an annuity are examined and sample calculations are…
5 creditsRecommended continuing education
QAS Self-StudyLearn on your schedule
29 chaptersA structured learning path
8 exams listedReview assessment options below
01 THE BIG PICTURE
A closer look
at this course.
Annuities examines the annuity concept and explains what an annuity is and how it works. The mechanics of the accumulation and payout phases of an annuity are examined and sample calculations are discussed. An explanation of settlement options and their appropriate uses are covered.
The course also discusses annuity taxation. Federal income tax treatment of premature withdrawals, lump-sum distributions and periodic payments is considered. Annuities discusses the different annuity contracts available and compares them with respect to client suitability, with particular emphasis on variable and fixed annuities. Both product types are discussed in terms of single vs. periodic premium, immediate vs. deferred, qualified vs. non-qualified, and settlement options.
02 LEARNING WITH PURPOSE
What you’ll
take away.
9 learning objectivesUpon completion of this course, the student should be able to:
Describe a typical annuity buyer and the principal reasons individuals buy annuity contracts;
List the characteristics of annuities and the benefits of tax deferral;
Explain how variable annuities work;
Identify the cash value management tools available to a variable annuity contract owner;
List the factors to be considered in determining variable annuity suitability;
Calculate interest to be credited under various fixed annuity contracts;
Explain the operation of index annuities; and
Describe how annuities are taxed.
03 YOUR LEARNING PATH
One chapter
at a time.
01Chapter 1. Annuities
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Open lesson in student portal02TOPIC Introduction to Annuities and Annuity Buyers
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Open lesson in student portal03TOPIC Summary - Introduction to Annuities and Annuity Buyers
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Open lesson in student portal04Chapter 2. Annuities
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Open lesson in student portal05TOPIC Characteristics of Annuities
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Open lesson in student portal06TOPIC Summary - Characteristics of Annuities
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Open lesson in student portal07Chapter 3. Annuities
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Open lesson in student portal08TOPIC Variable Annuities
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Open lesson in student portal09TOPIC Summary - Variable Annuities
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Open lesson in student portal10Chapter 4. Annuities
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Open lesson in student portal11TOPIC Types of Fixed Annuity Contracts
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Open lesson in student portal12TOPIC Summary - Types of Fixed Annuity Contracts
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Open lesson in student portal13Chapter 5. Annuities
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Open lesson in student portal14TOPIC Annuity Taxation
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Open lesson in student portal15TOPIC Summary - Annuity Taxation
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Open lesson in student portal16Chapter 6. Annuities
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Open lesson in student portal17TOPIC Annuity Sales Practices, Replacement and Disclosure Requirements
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Open lesson in student portal18TOPIC Summary - Annuity Sales Practices, Replacement and Disclosure Requirements
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Open lesson in student portal19Glossary - Annuities
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Open lesson in student portal20Appendix A - Bond Ratings - Annuities
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Open lesson in student portal21Appendix B - Basic Characteristics Of Securities - Annuities
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Open lesson in student portal22Appendix C - Decisional Factors in Variable Annuity Suitability - Annuities
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Open lesson in student portal23Appendix D - Variable Annuity Buyer Profile - Annuities
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Open lesson in student portal24Appendix E - Annuity 1035 Exchange Considerations - Annuities
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Open lesson in student portal25Appendix F – Annuity, 401(k) & IRAs - Annuities
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Open lesson in student portal26Appendix G – Formulas & Examples - Annuities
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Open lesson in student portal27Appendix H – Agent Disclosure - Annuities
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Open lesson in student portal28Appendix I – Refusal to Provide Information - Annuities
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Open lesson in student portal29Appendix J – Non-Recommended Purchase - Annuities
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Open lesson in student portal04 YOUR STUDY RESOURCES
Everything in
its right place.
Course materials and resource information, together in one place.
Course study materialsStudy resources may be included inside the enrolled course lessons.
Open course study area Materials, license & usage information
Copyright 2026 by Winn Publications ALL RIGHTS RESERVED. NO PART OF THIS COURSE MAY BE REPRODUCED IN ANY FORM OR BY ANY MEANS WITHOUT THE WRITTEN PERMISSION OF THE COPYRIGHT HOLDER. All materials relating to this course are copyrighted by Winn Publications. Purchase of a course includes a license for one person to use the course materials. Absent specific written permission from the copyright holder, it is not permissible to distribute files containing course materials or printed versions of course materials to individuals who have not purchased the course. It is also not permissible to make the course materials available to others over a computer network, Intranet, Internet, or any other storage, transmittal, or retrieval system. This document is designed to provide general information and is not a substitute for professional advice in specific situations. It is not intended to be, and should not be construed as, legal or accounting advice which should be provided only by professional advisers. No advance preparation needed Program Level - Basic Program prerequisites - None Delivery method - QAS self-study Recommended CPE credits - 5 Recommended field of study - Insurance/Financial Planning/Ethics
05 PUT YOUR KNOWLEDGE TO WORK
Your course
assessments.
Review the exams listed for this course. Take your assessments in the student portal. Follow this course’s exam completion requirements.
ASSESSMENT 02
Chapter 2 Review - Characteristics of Annuities
MyCECentral enrollment requiredView exam detailsASSESSMENT 04
Chapter 4 Review - Types of Fixed Annuity Contracts
MyCECentral enrollment requiredView exam detailsASSESSMENT 06
Chapter 6 Review - Annuity Sales Practices, Replacement and Disclosure Requirements
MyCECentral enrollment requiredView exam details06 BEFORE YOU BEGIN
The details
that matter.
- Program level
- Basic
- Program prerequisites
- None
- Delivery method
- QAS Self-Study
- Recommended CPE credits
- 5
- Recommended field of study
- Insurance/Financial Planning/Ethics
- Education type
- insurance_ce
- State
- VA
- Eligible states
- AZ, UT, TX, PA, MD, MA, GA, DE, DC, CT, CA, VA
- Insurance CE credits
- 1
- Tax CPE credits
- 1
Requirements & course notices
No advance preparation needed
Confirm that this course meets your individual professional and licensing requirements before enrolling. Review the course information and contact our team if you need guidance.
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