Approved IAR CE Courses

This course provides investment professionals with an in-depth understanding of the key provisions and features found in annuity contracts. Learners will explore common elements and how they impact both consumers and insurers. The course also examines administrative charges, commissions, and state premium taxes, as well as the role of financial strength ratings, reserves, and guaranty associations in safeguarding annuity owners. By mastering these concepts, participants will be able to evaluate annuity products more effectively and guide clients in making informed decisions about their retirement planning.

This course provides an in-depth examination of annuities, designed to enhance the proficiency of Investment Advisor Representatives in incorporating these financial instruments into retirement planning. Participants will learn about various types of annuities'including fixed, variable, and indexed'and their respective uses, enabling them to offer tailored advice based on individual client needs. The curriculum also delves into the structural features of annuity contracts, such as accumulation phases, annuitization, death benefits, surrender charges, and additional riders. By covering both the theoretical foundations and practical applications of annuities, the course prepares advisors to make informed, strategic decisions that optimize retirement outcomes for their clients. This comprehensive approach ensures that advisors are well-equipped to handle the complexities of annuity products in today's diverse financial landscape.

This course provides investment professionals with a comprehensive overview of how annuities are taxed during accumulation, payout, and at transfer to beneficiaries. Learners will explore the distinctions between qualified and non-qualified annuities, key concepts such as tax deferral, exclusion ratios, Required Minimum Distributions (RMDs), and the impact of early withdrawals and penalties. The course also addresses special tax provisions, including 1035 exchanges, long-term care exceptions, and beneficiary rules, equipping advisers to guide clients toward strategies that maximize tax efficiency while avoiding costly mistakes.

This course provides investment professionals with a comprehensive understanding of anti-money laundering (AML) and combating the financing of terrorism (CFT). Learners will explore how criminals disguise illicit funds, the evolving tactics used in placement, layering, and integration, and the economic and reputational damage these crimes cause. The program also covers U.S. and international laws, regulatory bodies, and industry responsibilities in preventing financial crime. Through real-world examples and red flag identification, participants will gain the skills to recognize suspicious activity and uphold ethical and professional standards in protecting the integrity of the financial system.