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THIS COURSE MEETS THE FOUR HOUR ANNUITY TRAINING REQUIRMENT!!! Colorado 4-Hour Annuity Training is an insurance continuing education study. It is an introduction to annuities and sales practices. Examine and identify contract provisions and tax aspects of the topic. Discover contract provisions typically found in fixed annuities. Find out about the contract provisions common to variable annuities. Annuity sales are subjective in nature; risk tolerance and the senior client are difficult to quantify. Sales practices and seniors are issues in the marketing process. What is suitable for one senior may seem unfair to another. Uncover how advertising, replacement, and product representation can affect sales.