New York Regulation 187

NY Reg 187 graphic

Effective 2/1/2020, NY Reg 187 will require industry training for anyone selling life insurance in NY.  We recommend that you take the industry training through the RegEd website:  Please complete course #484_NY (NY Reg 187: Suitability and Best Interest of Clients in Life Insurance and Annuity Transactions) or #485_NY (Best Interest of Clients in Life Insurance or Annuity Transactions: NY Reg 187-1 Hour Course).  Once the training has been completed a certificate will generate – please upload this certificate to us using our secure portal.

Additionally, under the provisions of Regulation 187, many carriers will require product specific training, even if you are already contracted with them and have sold those products in NY in the past.

Please note that Reg 187 industry training and product specific training are pre-solicitation requirements.  Failure to complete the training prior to app solicitation will result in your application being rejected and any premiums paid refunded.

Below are links and additional information for carrier product specific trainingThis list will be updated as new information is available.  If there is a carrier you are planning to write an app with but do not see them on this list, please reach out to contracting and licensing for further assistance.




Banner/William Penn: no product training required, only Reg 187 industry training

John Hancock:

  • Complete Product Code: JHNY2019


  • Fixed Life  –   Complete Product Code:  LincolnFixedLife
  • Variable Life – Complete Product Code: LincolnVariableLife 
  • MoneyGu: ard – Complete Product Code: LincolnMoneyGuard


Minnesota Life:

  • Securian – NY Reg 187 Life Product Training – Complete Product Code: PLIFE1262019


  • Nationwide-YourLife Guaranteed Level – Complete Product Code: YourLife GL Term 
  • Nationwide-YourLife Simplified WL 120 – Complete Product Code: YourLife  Simplified  WL
  • Nationwide-YourLife  Whole Life 100 – 20 Pay Whole Life – Complete Product Code: YourLife Whole Life 100-20-Pay
  • Nationwide YourLife CareMatters -NY – Complete Product Code: YourLife   CareMatters NY
  • Nationwide YourLife Indexed UL Protector-New York – Complete Product Code: YourLife Indexed UL Prot
  • Nationwide YourLife Indexed UL Accumulator-New York – Complete Product Code: YourLife Indexed UL Accum
  • Nationwide No-Lapse Guarantee UL II – Complete Product Code: No Lapse Guar UL II

New York Life:

  • NYL must enroll you in the necessary product training (course ID 1245), so please reach out to us to initiate this process.

Principal: no product training required, only Reg 187 training


  • Protective Series Whole Life – Complete Product Code: PSWLNY
  • Protective Classic Choice Term NY – Complete Product Code: PCCTNY
  • ProClassic II UL – Complete Product Code: PC2ULNY
  • Protective Non-Participating Whole Life Insurance – Complete Product Code: NPWLNY


  • Term Insurance – Complete Product Code: 19TERM0100
  • Permanent Insurance – Complete Product Code: 19PERM0100

Security Mutual: 


  • Complete Product Code:  FSNYTerm


  • Final Expense Portfoloi – Product Code: TLFINALEXP
  • Financial Foundation IUL – Product Code: TLFFIUL

To email documents to our licensing and contracting team: