Florida Annuity Best-Interest Training (4-Hour) Online: DFS-Approved and Live

Florida requires a producer to complete a one-time 4-hour annuity best-interest training before soliciting or selling annuities. The requirement is set by F.S. 627.4554, Florida's adoption of the NAIC Suitability in Annuity Transactions Model Regulation, whose best-interest revisions took effect January 1, 2024. A producer who held life authority before that date may satisfy the requirement with a 1-hour update instead of the full 4-hour course.

This is a one-time training and a condition precedent to selling annuities - it is separate from a producer's biennial continuing-education hours, although a DFS-approved course also earns elective CE credit.

The course covers the best-interest standard of conduct and its four obligations - care, disclosure, conflict of interest, and documentation; how annuities work and their suitability differences (fixed, fixed-indexed, and variable, including who bears the investment risk and which is a security); collecting and using the consumer-profile information; material conflicts of interest and the disclosure of cash and non-cash compensation; and replacement and exchange analysis (1035 exchanges, surrender charges, and whether a replacement is truly in the consumer's best interest).

It also covers senior and vulnerable-consumer protections - including Florida's surrender-charge cap for consumers age 65 and older and recognizing potential financial exploitation - and explains the training requirement itself (the one-time 4-hour course and the 1-hour update).

National Course Portal prices the approved 4-hour annuity best-interest training at $19.99, all-inclusive: the full course text, the monitored final examination, bilingual delivery, and completion reporting to Florida through DICE. There is no separate charge for materials or the exam.

Because the training is a mandated producer requirement, the value is in current, accurate best-interest content and reliable DFS reporting, so the completion posts cleanly to the producer's record and the producer can begin writing annuity business.

Completing the 4-hour training satisfies the annuity producer-training condition; it does not, by itself, satisfy a producer's full biennial CE hour requirement, and a producer must still meet carrier product-specific training and all DFS licensing, appointment, and renewal requirements.

Keep the certificate and completion record with your licensing file, and confirm the hours posted through your MyProfile account.