Life agent license applicants must complete 1 of the following methods of pre-license education within 4 years before application:      a.   30 hours of coursework in life insurance, annuities, and variable contracts, including 3 hours of ethics (courses must include instruction on unauthorized entities engaging in the business of insurance);      b.   60 hours of approved coursework covering multiple areas of insurance, including life insurance, annuities, variable contracts, and 3 hours of ethics (courses must include instruction on unauthorized entities engaging in the business of insurance);      c.   an active ChFC, FMLI, or CLU designation;      d.   hold an active life insurance license in a reciprocal state; or      e.   at least 1 year of employment with the Department or Office, if:           I.   the employment was full time in life insurance regulatory matters;          II.   was not terminated for cause; and         III.   application for examination is made within 4 years  after termination of this employment.