State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
Before selling annuities for the first time in California, an agent must complete annuity sales training of:
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
California requires an initial 8 hours of annuity training before an agent may sell annuities for the first time, and 4 additional hours every two years before license renewal. This training is separate from the general 24-hour CE requirement and does not add to the total CE hours. The requirement ensures agents understand annuity suitability, product features, and the special rules that protect senior consumers, making them better able to recommend products that genuinely fit each client's needs. The 8-and-4 pattern is a distinctive California requirement.
Why the other options are wrong
- A) The initial requirement is 8 hours, not 4, and biennial 4-hour refreshers are also required. The initial requirement is 8 hours, not 4, and a 4-hour biennial refresher is also mandated.
- B) General CE is a separate 24-hour biennial requirement. It does not satisfy the annuity training obligation. The 24-hour general CE requirement is separate and cannot satisfy the specific annuity training duty.
- C) The statutory minimum is 8 initial hours, not 2 hours. The statutory minimum is 8 initial hours, far more than the 2 hours stated here.
Memory hook
Annuity training: 8 to start, 4 to stay. It sits outside the 24-hour CE bank.