ASSESSMENT 01
Financial Planning / Insurance
How Fixed, Variable and Index Annuity Contract Provisions Affect Consumers (2026)
This course provides four hours of annuity training, which must be completed every two years by California resident and nonresident life agents who sell annuity products. The subject matter covered in this…
4 creditsRecommended continuing education
QAS Self-StudyLearn on your schedule
22 chaptersA structured learning path
12 exams listedReview assessment options below
01 THE BIG PICTURE
A closer look
at this course.
This course provides four hours of annuity training, which must be completed every two years by California resident and nonresident life agents who sell annuity products. The subject matter covered in this course is consistent with the outline developed by the California Department of Insurance for purposes of this training. For resident agents, this four-hour training requirement is part of, not in addition to, their continuing education requirements.
02 LEARNING WITH PURPOSE
What you’ll
take away.
12 learning objectivesAt the conclusion of this four-hour course, the student should be able to:
Understand how fixed, variable, and index annuity contracts affect consumers;
Understand issues of annuity product ethics and compliance;
Understand the licensees’ legal and ethical obligations to the consumer, insurer, and regulatory authorities, regarding the “Best Interest” standard of suitability in making annuity product recommendations;
Be able to define the “Best Interest” standard of “suitability”;
Be able to define the types of information that must be obtained from the consumer in order to make annuity product purchase recommendations which comply with the “Best Interest” standard of “suitability”;
Be able to identify the product features and circumstances that would cause an annuity product to be suitable and unsuitable for a consumer using the “Best Interest” standard of “suitability”;
Understand the processes in place to audit and supervise licensee activities;
Identify the regulatory requirements that have been enacted to protect senior consumers during purchases and exchanges of annuity products;
Identify violations of the “Best Interest” standard of suitability; and
Know and understand the penalties provided for violations of applicable laws.
The California Department of Insurance is released of responsibility for approved course material that may have a copyright infringement. In addition, no course approved for either prelicensing or continuing education hours or any designation resulting from completion of such courses should be construed to be endorsed by the Commissioner.
03 YOUR LEARNING PATH
One chapter
at a time.
01Chapter 1 - 2026 How Fixed, Variable and Index Annuity Contract Provisions Affect Consumers
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Open lesson in student portal02TOPIC Annuity Suitability
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Open lesson in student portal03Chapter 2 - 2026 How Fixed, Variable and Index Annuity Contract Provisions Affect Consumers
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Open lesson in student portal04TOPIC Contract Provisions Common to Annuities
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Open lesson in student portal05Chapter 3 - 2026 How Fixed, Variable and Index Annuity Contract Provisions Affect Consumers
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Open lesson in student portal06TOPIC Income Distributions
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Open lesson in student portal07Chapter 4 - 2026 How Fixed, Variable and Index Annuity Contract Provisions Affect Consumers
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Open lesson in student portal08TOPIC Fixed Annuities
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Open lesson in student portal09Chapter 5 - 2026 How Fixed, Variable and Index Annuity Contract Provisions Affect Consumers
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Open lesson in student portal10TOPIC Variable Annuities
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Open lesson in student portal11Chapter 6 - 2026 How Fixed, Variable and Index Annuity Contract Provisions Affect Consumers
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Open lesson in student portal12TOPIC Indexed Annuities
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Open lesson in student portal13Chapter 7 - 2026 How Fixed, Variable and Index Annuity Contract Provisions Affect Consumers
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Open lesson in student portal14TOPIC Comparing Fixed, Indexed & Variable Annuities
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Open lesson in student portal15Chapter 8 - 2026 How Fixed, Variable and Index Annuity Contract Provisions Affect Consumers
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Open lesson in student portal16TOPIC Available Riders
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Open lesson in student portal17Chapter 9 - 2026 How Fixed, Variable and Index Annuity Contract Provisions Affect Consumers
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Open lesson in student portal18TOPIC The Senior Market
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Open lesson in student portal19Chapter 10 - 2026 How Fixed, Variable and Index Annuity Contract Provisions Affect Consumers
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Open lesson in student portal20TOPIC Penalties
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Open lesson in student portal21Appendix A – Disclosure For Annuities - 2026 How Fixed, Variable and Index Annuity Contract Provisions Affect Consumers
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Open lesson in student portal22Appendix B - Penalties Defined - 2026 How Fixed, Variable and Index Annuity Contract Provisions Affect Consumers
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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 - 4 Recommended field of study - Insurance/Financial Planning
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 - 2026 How Fixed, Variable and Index Annuity Contract Provisions Affect Consumers
MyCECentral enrollment requiredView exam detailsASSESSMENT 03
Chapter 3 Review - 2026 How Fixed, Variable and Index Annuity Contract Provisions Affect Consumers
MyCECentral enrollment requiredView exam detailsASSESSMENT 04
Chapter 4 Review - 2026 How Fixed, Variable and Index Annuity Contract Provisions Affect Consumers
MyCECentral enrollment requiredView exam detailsASSESSMENT 05
Chapter 5 Review - 2026 How Fixed, Variable and Index Annuity Contract Provisions Affect Consumers
MyCECentral enrollment requiredView exam detailsASSESSMENT 06
Chapter 6 Review - 2026 How Fixed, Variable and Index Annuity Contract Provisions Affect Consumers
MyCECentral enrollment requiredView exam detailsASSESSMENT 07
Chapter 7 Review - 2026 How Fixed, Variable and Index Annuity Contract Provisions Affect Consumers
MyCECentral enrollment requiredView exam detailsASSESSMENT 08
Chapter 8 Review - 2026 How Fixed, Variable and Index Annuity Contract Provisions Affect Consumers
MyCECentral enrollment requiredView exam detailsASSESSMENT 09
Chapter 9 Review - 2026 How Fixed, Variable and Index Annuity Contract Provisions Affect Consumers
MyCECentral enrollment requiredView exam detailsASSESSMENT 10
Chapter 10 Review - 2026 How Fixed, Variable and Index Annuity Contract Provisions Affect Consumers
MyCECentral enrollment requiredView exam detailsASSESSMENT 11
Final Exam - 2026 How Fixed, Variable and Index Annuity Contract Provisions Affect Consumers (Version A)
MyCECentral enrollment requiredView exam detailsASSESSMENT 12
Final Exam (version B) - 2026 How Fixed, Variable and Index Annuity Contract Provisions Affect Consumers
MyCECentral enrollment requiredView exam details06 BEFORE YOU BEGIN
The details
that matter.
- Program level
- Basic
- Program prerequisites
- None
- Delivery method
- QAS Self-Study
- Recommended CE credits
- 4
- Recommended field of study
- Insurance/Financial Planning/
- Education type
- insurance_ce
- State
- CA
- Insurance CE credits
- 1.00
- Eligible states
- CA
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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