Complete 24-hour Life, Health and Ethics CE Package (includes state roster fees)
Best Value! This complete CE package includes 24 hour of CE to renew, including the 3 hours of required Ethics, for one low price. The $4 per course state filling fee is included in the package price. The following approved courses are included in this package:
American Health Insurance Policies and Plans (4 hours)
Ethics for Insurance Professionals (3 hours)
Estate Planning Toolkit (3 hours)
IRA's for Individuals and Business Explained (3hours)
Selling to a Senior Market (3 hours)
COBRA and HIPAA: Uncovered (3 hours)
Taking Care of Business: Life and Health Plans (3 hours)
Understanding Gift and Estate Taxes (2 hours)
Long-Term Care Partnership Training
Long Term Care Partnership Training is approved to satisfy the required 8 hours of education, including the required 1-hour of Medicaid, for the producer who wishes to market long-term care products to Pennsylvania residents. Covered in the course is available long-term services and providers; changes or improvements in long-term care services and providers; alternatives to the purchase of private long-term care insurance; the effect of inflation on benefits and the importance of inflation protection; consumer suitability standards and guidelines; and state and federal rules and requirements and the relationship between qualified state long-term care insurance partnership programs and other public and private coverage of long-term care services, including Medicaid.
Long-Term Care Partnership Refresher
All life and health insurance producers that wish to continue selling LTC insurance coverage must complete a minimum of a four-hour "refresher" course every two years. This course satisfies the 4-hour refresher requirement and covers available long-term services and providers; changes or improvements in long-term care services and providers; alternatives to the purchase of private long-term care insurance; the effect of inflation on benefits and the importance of inflation protection; consumer suitability standards and guidelines; and state and federal rules and requirements and the relationship between qualified state long-term care insurance partnership programs and other public and private coverage of long-term care services, including Medicaid.
21st Century Liability Risks
This course presents an overview of liability risks encountered in today's technological age along with methods and plans to manage these risks. Many of these risks are insurable, and appropriate insurance coverages are described. Risks explored include data privacy breaches, cyber bullying, libel, copyright issues, identity theft, cyber risks, workplace violence, employee theft, fraud and terrorism. Methods of managing these risks are considered, including the use of cyber risk insurance, terrorism insurance, homeowners liability coverage, pollution liability, and employment practices liability insurance. Risk reduction processes are also provided.
American Health Insurance Policies and Plans
This course reviews health plans, understanding Medicare claims, Long-Term Care policies, underwriting and policy provisions, non-forfeiture options for long-term care, disability income plans, disability policy options, overhead expense policies for business, taxes, disability underwriting and disability claims.
This course explores the features, benefits and risks of annuity products and their appropriate use and sale. Its content conforms to the training requirements in the NAIC's Suitability in Annuity Transactions Model Regulation and includes: types and classifications of annuities, identification of the parties to an annuity; the ways fixed, variable and indexed annuity contract provisions affect consumers; the application of income taxation of qualified and non-qualified annuities; the primary uses of annuities; and appropriate sales practices, replacement and disclosure requirements.
Flood Insurance is approved to meet the required Flood Insurance training course for all producers who wish to sell flood insurance policies under the Flood Insurance Reform Act of 2004. This course is designed to ensure producers are properly trained and educated about the National Flood Insurance Program. Covered in the course is flood policy general rules and rating calculations; flood claims handling Process; and Requirements of the Flood Insurance Reform Act of 2004.
Personal Auto Coverage
This course provides an in-depth view of personal auto coverage. In addition to explaining the coverage provisions in standard personal auto policies and endorsements, it explores criminal and civil laws applicable to operating motor vehicles and the legal liability exposures of the insured. The course also provides risk management steps that may be taken to reduce both liability and physical damage risk exposures. The course concludes with a discussion of important underwriting factors and summarizing important steps in the claims process.
COBRA and HIPAA Uncovered
From the history of COBRA to the penalties of HIPAA violations, this course explores their purpose and the effect they have on business today. Written to help insurance professionals understand the basics of COBRA and HIPAA administration, you will look at persons eligible for COBRA, the benefits available, safeguards required by HIPAA, the rights of employees under ERISA, and how to implement benefit programs consistently and legally.
Estate Planning Toolkit
An estate plan can accomplish many things for individuals of any age or income. Advance preparation is the key! This course introduces the broad concepts of estate planning and living trusts, as well as the finer details of intestacy laws, joint ownership, taxes and the importance of wills.
Ethics and the Producer
Operating ethically as an insurance producer required both obligations to your customer and responsibilities to the insurer. This course meets your three-hour ethics requirement and clarifies many of your duties prior to attaining coverage, as well as duties owed after issuing a policy.
Ethics for Insurance Professionals
In daily insurance practices, agents are put in situations that require ethical reasoning. This course explores an agent's ethical responsibility surrounding issues they are faced with, and the challenges that come with those dilemmas.
IRAs for Individuals and Business Explained
Saving for retirement is an important concern for us all. This course provides an introduction to the basic concepts and costs of retirement. Health care costs, personal savings plans, and Social Security provide consumers with a myriad of decisions to make in preparation for retirement. By the end of this course, you will have a basic understanding of IRA products, eligibility, contributions, and conversions.
Need for Homeowners Insurance
Homeownership brings with it pride and responsibility. This course focuses on current trends and coverages in a homeowners insurance policy. It explores the more common policy forms with an emphasis on certain conditions, exclusions and endorsements. The course expands with an in-depth look at current, specialized coverage conditions, such as terrorism risk, kidnap and ransom coverage, and other 21st century exposures.
Selling to a Senior Market
Nobody wants to think about aging. But an agent who's able to help the baby boomer generation plan well for the "golden years" will be a busy agent indeed. This course concentrates on the senior insurance market. It considers many different issues facing those in this demographic: medical coverage concerns, medicare and medicaid, prescription drug plans, long-term care, life insurance and estate planning issues.
Taking Care of Business: Life and Health Plans
This practical guide will help insurance professionals understand the needs of businesses in taking care of their employees. Discover all the choices out there: HMOs, PPOs, Executive Bonus, Buy-Sell, qualified retirement, and others. Requirements, characteristics, and tax consequences of all these are discussed. A must-have tool in today's world for this niche market!
Homeowners Insurance Valuation
This two hour Homeowner Insurance Valuation training course takes the student through types and levels of coverage, required disclosures, how dwelling value is determined, and the impact of catastrophes on coverage and claims. It is designed to teach producers how to correctly estimate the replacement value of a home.
Understanding Gift and Estate Taxes
All of us are given two guarantees in life -- death and taxes. This course delves into both gift taxation and estate taxes. You will first learn the foundation of estate transfer taxation and then move onto gift tax rules, gift valuation, elements of calculating gift tax and estate taxations. The remainder of the course concentrates on the most common gifts: those to minors and those to charities. At the conclusion of the course you will have a basic understanding of the fundamentals of gift and estate taxation.