Annuity training requirement refers to state and carrier-mandated education that producers must complete before selling certain annuity products, especially fixed indexed and variable annuities. Many states have adopted the NAIC best-interest model, which requires a four-hour general annuity course and product-specific training to ensure producers understand features, risks, costs, and suitability standards. Carriers also impose their own training modules on particular products and riders. These requirements aim to improve product knowledge, support recommendations in the clientTMs best interest, and reduce complaints and regulatory issues.

Advisors encounter annuity training requirements when onboarding with new carriers or preparing to sell indexed or complex annuities in specific states. Licensing and contracting teams track completion dates and ensure that required training is finished before applications are submitted; otherwise, business may be rejected or delayed. Advisors keep certificates of completion for audit purposes and may periodically retake courses when rules change. Understanding annuity training requirements helps advisors stay compliant, maintain good carrier relationships, and demonstrate a commitment to informed, high-quality recommendations.