Virginia Insurance CE Online: Bureau of Insurance-Approved Ethics, Annuity, and LTC Courses (Bilingual)

Virginia regulates producer continuing education through the Bureau of Insurance, which is part of the State Corporation Commission (SCC). Each biennium a producer must complete 16 CE hours for one license type, or 24 hours if licensed for two or more, with at least 8 hours per license type — and 3 of those hours must be ethics. The licensee, not the provider, bears final responsibility for completing CE on time and verifying the record.

Beyond the general hours, Virginia layers in two specialty trainings tied to product lines. Before selling, soliciting, or negotiating annuities, a producer must complete a one-time 4-credit annuity best-interest training under 14VAC5-45-45, which adopts the NAIC 2020 best-interest model. Before selling long-term care insurance, a producer completes an 8-hour initial LTC Partnership training and then a 4-hour ongoing course every 24 months.

One pacing rule is easy to miss: effective February 1, 2026, no more than 12 CE hours may be completed within any consecutive 24-hour period. Planning your enrollment around that limit keeps a last-minute renewal from stalling.

National Course Portal's full Virginia catalog was approved by the Bureau of Insurance on 06/24/2026 under Provider ID 167035, with approvals running through 06/30/2028. Each course includes lesson knowledge checks, a final exam, a certificate of completion, and CE reporting to Virginia through the provider.

The catalog maps directly to Virginia's requirements: a 3-hour ethics course for the biennial ethics hours, the one-time annuity best-interest training, and the initial and ongoing LTC Partnership courses, each carrying at least 2 hours of Virginia-specific content as the rules require.

These are not statute lists. The ethics course (#230157) works through the licensee standard of conduct, full pre-sale disclosure, suitability versus the annuity best-interest standard, replacement, privacy and claim-advocacy duties, the Code of Virginia Title 38.2 Chapter 5 unfair trade practices (misrepresentation under § 38.2-502 and § 38.2-512, rebating under § 38.2-509, unfair claim settlement under § 38.2-510, and twisting and churning), fiduciary premium-trust handling, insurance fraud, and the Bureau's discipline and CE-compliance process.

The annuity course (#230158) satisfies 14VAC5-45-45 by teaching the four best-interest obligations — care, disclosure, conflict of interest, and documentation — alongside annuity fundamentals, taxation and IRC § 1035 exchanges, replacement analysis, and senior protection. The LTC courses (#230159 and #230160) cover benefit triggers and design, IRC § 7702B tax-qualified standards, inflation protection and nonforfeiture, the consumer protections of 14VAC5-200, and the Virginia State Long-Term Care Partnership Program under 14VAC5-200-205, including the dollar-for-dollar Medicaid asset disregard administered by DMAS and the five-year look-back.

National Course Portal is the only fully bilingual English/Spanish option for Virginia insurance CE. Every lesson, knowledge check, and final exam is delivered in both languages with full translation, so a Spanish-speaking producer studies in Spanish and earns the same Bureau-approved credit — not a watered-down summary. For agencies and producers serving Virginia's Spanish-speaking communities, that is a genuine, hard-to-match advantage.

Pricing is straightforward and public: $18.99 for ethics, $24.99 for the annuity training, $44.99 for the 8-hour LTC initial, and $24.99 for the 4-hour LTC ongoing, each including course materials and unlimited practice. There is no upsell tier — the listed tuition is the all-in cost, and CE reporting to Virginia through the provider is part of it.

Approval of these CE courses does not by itself complete your renewal. You are still responsible for meeting your full biennial hour total, completing any required one-time trainings before transacting the related product line, observing the 12-hours-in-24 pacing rule, paying any Bureau renewal fees, and renewing your license on time through the proper channel.

These are post-license continuing-education courses. They are not pre-licensing and do not qualify anyone to sit for a Virginia licensing exam. Keep each certificate with your CE records, and confirm your reported hours against your Virginia CE transcript before your renewal deadline.