21. UNDERSTANDING ANNUITIES -
  This course provides 3 hours of CE credits. 

  This course covers:

  -  Retirement factors that should be considered when recommending
     annuity options to your clients and prospects.
  - What an annuity is and how they work.
  -  The background into how an annuity income is set.
  -  An in-depth look at the various annuity options.
  - Who are the parties to an annuity contract?
  -  The annuitization process.
  -  Disadvantages of annuities.
  -  Taxation of annuities.
  -  The various protection agencies for your clients and prospects
     and what type of information and coverage they offer.