Colorado · Life Agent
Insurance Ethics for Producers — Multi-State CE (4 Hours)
This course is approved by the Colorado Division of Insurance for Continuing Education Credit — 4 credit hours. Course #67675, Provider #237818 (Elite Online Training Academy LLC). Cost is shown above; see our cancellation and refund policy.
4
Sections
16
Lessons
50+
Quiz questions
What you'll learn
Every section below counts toward your Colorado continuing education hours.
Section 1I. Foundations of Insurance Ethics (60 minutes)4 lessons+
I. Foundations of Insurance Ethics (60 minutes)
4 lessons
- Why ethics in insurance — the agency relationship, fiduciary baseline, and consumer-protection rationale
- Ethical frameworks — utilitarianism, deontology, and virtue ethics applied to insurance scenarios
- The producer's tripartite relationship — insurer, insured, and the public good
- NAIC Producer Licensing Model Act and the role of ethical standards in licensing
Section 2II. Fiduciary Duty and Standard of Care (60 minutes)4 lessons+
II. Fiduciary Duty and Standard of Care (60 minutes)
4 lessons
- Fiduciary duty defined — loyalty, prudence, and full disclosure
- Suitability standard — NAIC Suitability in Annuity Transactions Model Regulation
- Conflict of interest — disclosed compensation, undisclosed commissions, contingent commissions, and dual agency
- Replacement and twisting — NAIC Life Insurance and Annuities Replacement Model Regulation
Section 3III. Producer Conduct in Practice (60 minutes)4 lessons+
III. Producer Conduct in Practice (60 minutes)
4 lessons
- Misrepresentation and concealment — types, regulatory consequences, and real-world examples
- Marketing and advertising ethics — NAIC Advertisements of Life Insurance and Annuities Model Regulation and false-or-misleading content rules
- Premium handling and trust-fund obligations — segregation, prohibition on commingling, and lapse procedures
- Senior and vulnerable-adult sales — heightened duty, suitability documentation, and exploitation indicators
Section 4IV. Claims, Disputes, and Disciplinary Processes (60 minutes)4 lessons+
IV. Claims, Disputes, and Disciplinary Processes (60 minutes)
4 lessons
- Unfair Claim Settlement Practices — NAIC Model UCSPA, prompt-pay norms, and prohibited conduct
- Producer cooperation with claim handling — documentation duties, recorded-statement etiquette, and dispute escalation
- Insurance fraud — NAIC IFPMA framework, soft fraud vs. hard fraud, and mandatory reporting in most states
- Producer disciplinary processes and the ethics-violation pipeline — investigation, hearing, sanctions, and appeals
How it works
1
Enroll
One-time payment of $19.99. Secure checkout powered by Stripe.
2
Study on your schedule
Read the lesson library and pass each section quiz to unlock the next section. Your study time is tracked toward the required hours.
3
Earn your credit
Complete the required hours and the end-of-course assessment. Your credit is reported to the state as your enrollment allows.
FAQ
What is this Colorado Life Agent continuing education course?+
This is a state-approved continuing education (CE) course for already-licensed Colorado producers, delivered online and self-paced. It earns CE credit hours toward license renewal. It is not exam prep and does not prepare you for the licensing exam.
Is this exam prep?+
No. If you are not licensed yet and need to pass the Colorado licensing exam, you want one of our exam prep courses instead. This course is for licensed producers who need CE hours.
How do I complete the course and earn credit?+
Pass each section quiz at 70% or higher to unlock the next section (retake as often as you need), complete the required study hours (the timer runs only while a lesson is open on your screen), then pass the end-of-course assessment. Your certificate follows.
When is my credit reported to Colorado?+
CE credit is reported to the state once you complete all required hours and pass the end-of-course assessment.
Does the course include AI tutoring?+
Yes -- every lesson page has a built-in AI tutor, included with the course at no extra cost. It can explain the current lesson in simpler terms, quiz you one question at a time, and tell you what to study next based on your actual quiz results. If you already use Claude or ChatGPT, you can also connect your own AI assistant to your course from your account page, so it can coach you using your real progress and practice questions.
Can I study on my phone?+
Yes. The course works on any phone, tablet, or computer with a browser -- no installs or downloads required -- and your progress, quiz scores, and seat time sync automatically across devices. Materials stay online rather than as downloadable files so that every study session reflects the current version of the content; there is nothing stale sitting in a folder after a state changes its rules.
Can I fit this course around a full-time job?+
It is built for that. The course is fully self-paced with no schedules, live sessions, or deadlines: study in short sessions from your phone during a commute or lunch break, and pick up exactly where you left off on any device. The AI tutor points you to the sections your quiz results show you need most, so limited study time goes where it counts.
How long do I have access to the course?+
You keep access to this course for as long as your enrollment is active. CE credit is reported to the state once you complete all required hours and pass the end-of-course assessment.
Can I get a refund?+
Yes. Within 7 days of purchase and before you have completed more than 25% of the course or started the final exam, you can request a full refund. Email support@theelitecompany.com with your order number; refunds process to the original payment method within 5-10 business days.
Ready to start studying?
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