Topics covered in continuing education programs primarily intended to promote the sale or marketing of annuities typically do not qualify for credit towards training requirements in most states. Any course or seminar that is disapproved by state insurance departments will be presumed invalid for credit towards the training requirement in most states unless the insurance commissioner approves it in writing.

Topics covered in this course are intended to be of a general nature and may be used for both initial product training and advanced continuing education. The author and publisher do not claim that the material in this program applies to all states. Thus, participants are advised to consult the laws governing sale of annuities in the states in which they are licensed for statutes applicable in those states.