Approved IAR CE Courses

This course equips advisors with the principles, strategies, and tools needed to maintain the highest standards of integrity in every client interaction. Participants will explore the foundations of ethical communication, identify common challenges, and learn how to tailor messaging to individual client needs. The course covers topics such as cultural sensitivity, managing communication during market volatility, leveraging technology responsibly, and fostering a culture of transparency and accountability. This course offers essential guidance to help advisors excel in ethical client communication while enhancing professional credibility and client loyalty.

Ethical Considerations for Insurance Professionals is a 6.0-credit text-only self-study Ethics & Professional Responsibility course examining the principles and decision processes that support ethical conduct in financial-services settings. The course addresses professional ethics, codes of conduct, honesty, fairness, confidentiality, competence, accountability, ethical decision-making, conflicts of interest, client and consumer protection, the relationship between ethics and law, senior and vulnerable clients, privacy and data ethics, technology and artificial intelligence, ethical leadership, governance, global ethical challenges, and emerging professional-responsibility issues. Applied examples and case studies help participants evaluate ethical risks and choose responses that support client trust and professional competence.

This course will focus on the ethical issues in the sales process. Although its principal attention will be directed to an examination of the ethical concerns encountered in sales in the senior market, the principles developed apply equally to all prospects and clients. Furthermore, while many of the specific ethical breaches examined relate to the sale of insurance and other financial products, the underlying ethical principles also apply to the sale of other products.

Ethical Considerations in Selling to Seniors focuses on the ethical concerns encountered in sales in the senior market and examines ethical responses to diminished capacity.

In this course, students will learn the basic concepts of modern portfolio theory, which provides ajustification for using complex investment products. After introducing diversification of risk andncorrelated returns, the course will provide examples of complex investment products. Then thecourse will present the fiduciary duties of investment advisers established under the InvesementAdvisers Act of 1940. In this section, we'll also review an SEC Risk Management Alert for advisers of private fund. In addition, several examples of ethical violations involving complex products will beexamined.

This course explores the role of ethics in the securities industry, where the line between what's allowed and what's right isn't always clear. Students will learn how to recognize pressures that can cloud judgment, apply structured frameworks, and navigate real-world scenarios where client interests must come first. The course also examines dishonest practices to avoid, the importance of suitability and disclosure, and the fiduciary duties of care, loyalty, and best interest. By the end, learners will be prepared to make confident, ethical choices that protect clients, careers, and the integrity of the financial markets.

The primary goal of the course is to teach students about an adviser's fiduciary responsibility and the requirement to create and implement a code of ethics. The course will also review some hypothetical situations and how advisers can handle them ethically. These situations include conflicts of interest regarding fees, explaining investment risks, trading authorizations, and ethical issues regarding initial public offerings (IPOs).

This course challenges financial professionals to go beyond simply following the rules by thinking critically about what it truly means to act in a client's best interest. Through real-world case studies, the course makes readers the decision-maker and walks them through a practical, step-by-step framework for resolving the ethical dilemmas that can arise in advisory work. For those interested in identifying the line between what's legal and what's right, this course will sharpen their instincts and strengthen the ethical foundation of their practice.