Meets Annuity Best Interest Product Training. Meets Law and Ethics Update requirement.

Includes the following courses: Annuity Suitability and Best Interest Training (4), Law and Ethics Update (4), Business Life Insurance (3), Life Insurance Essentials (5), Personal Life Insurance Planning (3), and Variable Universal Life Insurance (2).

Meets Annuity Best Interest Product Training. Meets Law and Ethics Update requirement.

Includes the following courses: Annuity Suitability and Best Interest Training (4), Law and Ethics Update (4), Avoiding E&O Claims (3), Business Life Insurance (3), Life Insurance Essentials (5), Personal Life Insurance Planning (3), and Variable Universal Life Insurance (2).

Meets 4 hour Law and Ethics Update for producers with a Life, Health, and/or Variable license.

This course provides an overview of the key provisions of the Patient Protection and Affordable Care Act (PPACA) that affect individuals, including coverage requirements, tax implications, and available tax credits. It examines important aspects such as plan grandfathering, pre-existing condition exclusions, benefit limits, coverage rescissions, patient protections, and extended coverage for children up to age 26. The course aims to help insurance professionals understand how the PPACA impacts individuals’ health insurance options, tax obligations, and eligibility for financial assistance in obtaining coverage.

This 4-hour course equips insurance professionals with comprehensive knowledge of annuities, focusing on their characteristics, types, and tax implications, to effectively educate and guide consumers through complex financial decisions. Participants will learn to identify and explain the advantages and disadvantages of various annuity products, enabling them to make informed recommendations that align with clients’ unique financial needs and goals. The course also covers critical suitability, best interest, and disclosure requirements, ensuring insurance professionals can navigate regulatory standards while providing ethical, client-centered advice in the evolving landscape of annuity sales and service.

This CE course provides insurance professionals with crucial insights into errors and omissions (E&O) claims, analyzing trends and statistics from national E&O insurance companies to help producers, adjusters, and other industry personnel mitigate risks. Participants will explore the far-reaching consequences of E&O claims, including financial losses and reputational damage, while gaining a thorough understanding of the behaviors and practices that commonly lead to such claims. The course also covers key E&O policy provisions, claim reporting procedures, and appropriate responses to filed claims, equipping insurance professionals with the knowledge to protect themselves and their businesses in an increasingly complex regulatory environment.

This comprehensive course explores the critical role of disability insurance in protecting businesses and professional practices, covering key concepts such as group long-term and short-term disability income, salary continuation plans, and association disability income plans. Students will learn about disability buy-sell agreements, their importance in business continuity planning, and the implementation of business overhead expense insurance to safeguard against the financial impact of a business owner’s disability. The course provides in-depth knowledge on policy types, tax implications, and strategies for structuring disability insurance solutions to meet the unique needs of various business entities and professionals.

This comprehensive course explores the application of life and disability insurance across various business entities, including sole proprietorships, partnerships, corporations, and limited liability companies, to address complex issues faced by business owners. Students will examine business continuity options, ownership structures, taxation considerations, and succession planning strategies, with a focus on how life and disability insurance can be leveraged to protect and strengthen businesses. The course covers key topics such as business continuation, tax implications, key personnel retention, and the use of insurance solutions to ensure business viability and provide benefits to owners, employees, and heirs.

This course examines the Health Insurance Portability and Accountability Act (HIPAA), its origins, and its impact on group and individual health insurance plans, particularly regarding pre-existing condition exclusions and insurers’ ability to decline coverage. It covers the legislation’s establishment of Archer medical savings accounts (MSAs), including eligibility, contribution limits, and tax treatment, as well as its administrative simplification provisions aimed at streamlining healthcare transactions. The course also delves into HIPAA’s regulations on electronic transactions, security, national provider identifiers (NPI), and the privacy of protected health information.

This course provides a comprehensive overview of insurance coverage for residential properties, including dwelling policies, homeowners policies, and important endorsements. It covers key insurance concepts, types of policies, covered perils, exclusions, and often overlooked residential coverages. The course also addresses emerging markets like tiny homes and explores important considerations for insuring home-based businesses.

The “Life Insurance Essentials” course provides a detailed exploration of life insurance concepts, including the principles of risk management, types of life insurance policies, and the legalities involved in insurance contracts. It covers the various uses of life insurance for both individuals and businesses, with an emphasis on understanding policy provisions, underwriting processes, and the implications of federal regulations. This course is designed to equip learners with essential knowledge to effectively navigate the complexities of life insurance and its application in personal and professional settings.

This course provides comprehensive guidance for producers and advisors on assessing the appropriateness of life insurance recommendations for clients by performing a thorough needs analysis. It covers the historical human life value method and emphasizes the importance of gathering relevant client information to accurately identify and calculate survivors’ lump-sum and income needs. The course aims to equip advisors with the knowledge and tools necessary to determine suitable life insurance amounts, better serve consumers, and ensure appropriate life insurance recommendations are made when suitable to meet client needs.

This course provides a comprehensive overview of reinsurance principles, covering the origins and history of reinsurance in the life insurance and property & casualty industries. It examines the various types of reinsurance available, their uses in achieving management objectives, customary reinsurance agreements and their applications, and the operation of reinsurance with respect to claims payment, risk changes, experience rating, and other factors. The course also explores the current reinsurance environment, regulation of reinsurance, and the potential use of reinsurance in financing life insurance company demutualizations, mergers, and acquisitions.

This course provides a comprehensive overview of the tax treatment of various life insurance policy transactions, including death benefits, cash value withdrawals, loans, surrenders, and the impact of policy ownership and use in different contexts. It covers the tax implications of policies failing to meet the statutory definition of life insurance, being classified as modified endowment contracts (MECs), being transferred for valuable consideration, being sold in viatical or life settlement transactions, and being owned by employers or used in qualified retirement plans. The course aims to equip participants with the knowledge to calculate reportable gains, identify tax-free exchanges, and understand the tax treatment of accelerated death benefits and settlements for terminally-ill and chronically-ill individuals.

This course provides an in-depth overview of variable life insurance (VLI), focusing on its development, key features, and how it differs from traditional life insurance products. It explains how VLI emerged as a product that allows policyowners to allocate premiums to separate investment accounts, shifting investment risk from the insurer to the policyowner. The course also covers the regulatory challenges faced during VLI’s introduction, its fixed premium and minimum death benefit structure, and the concept of separate accounts and variable subaccounts, providing a comprehensive understanding of this specialized insurance product.

This course provides an in-depth overview of universal life insurance, focusing on its development, key features, and how it differs from traditional life insurance products. It explains how universal life insurance emerged in response to economic conditions and consumer demands in the late 1970s, offering flexibility in premiums, death benefits, and transparency in expense charges and interest crediting. The course also covers the various components of universal life policies, including flexible premiums, adjustable coverage, expense charges, mortality charges, and death benefit options, providing a comprehensive understanding of this relatively new insurance product.