Courses

Course Description:

This course gives a unique perspective on the beginnings, evolution, and current state of Annuities, which have been to provide retirement security for individuals since 1912 in the U.S.

Annuity purpose, terminology, accumulation and distribution options are explored in detail. Bonuses, Surrender charges, and consumer guarantees are covered to give a balanced approach for fixed, indexed, variable, and immediate annuities.

Course Description:

Variable Life insurance is often mischaracterized as primarily being an investment option. This course will identify the real uses of the product in its primary role as a life insurance policy.

The attendee will learn not only how the contract works, but how to best determine how this type of life insurance is appropriate to a wide variety of needs, from individuals to business owners.

The Variable life insurance contract is described and the ways in which it should be used as a life insurance policy are discussed. Methods to determine the amount of insurance needed are covered as well as taking advantage of living benefits. The appropriateness of a Section 1035 exchange from one life insurance contract to another are discussed

Course Description:

After completing this course, attendee will be able to explain 401(k) plans, they will be able to differentiate between the various forms of IRAs including the Traditional IRA, Spousal IRA, SIMPLE IRA and Rollover IRA and also will learn how to explain life insurance in qualified retirement plans is explained as well as the types of contracts that are the most appropriate to use. They will know when whole life, universal life and variable life are appropriate.

Course Description:

Life insurance is often ignored as a solution to basic business needs. This course will expose the attendee to the reasons for business owners to buy life insurance and how it should be executed.

This course explains how each concept works as well as the tax law rulings that apply. Some of these tax law rulings are very recent and need to be examined.

Course Description:

After completing this course, readers will understand exactly what long-term care is, why long-term care is such a problem, and why addressing it is so important.

Readers will also understand the risk factors associated with Long-Term Care, the contributing factors to LTC policy costs and suitability standards.

Course Description:

This course provides insurance professionals with a refresher on the varying aspects of long term care and how addressing it through long-term care insurance can be so important to so many.

Professionals will also learn and be reacquainted with the funding of Long-Term care expenses, the coverages and options available and how to help clients plan for the future.

Course Description:

The effects of the new tax relief guidelines have a progressive tax effect. This course explores proven strategies to minimize estate taxes utilizing Revocable Trusts, Unified Tax Credits, and Irrevocable Life Insurance Trusts.

Attendees will learn how to use Unified tax Credits, Revocable, and Irrevocable trusts with life insurance to replace assets which cannot be easily liquidated to provide for the funds to pay for estate taxes. Cost-benefit examples are given for each strategy.

Course Description:

This course approaches fixed annuities from several viewpoints. The suitable use of annuities is the main objective, learned by a thorough understanding of how annuities function.

The attendees will learn how annuities work, how they can take care of certain needs for the client, what the technical workings are and what options are available to the annuity owner.

Course Description:

Advantages and disadvantages of fixed indexed annuities are measured on the client’s financial objectives and retirement needs. Fixed deferred annuities offer lifetime guarantees and other benefits that set it apart from other financial products. The tax treatment of deferred annuities is different. This course will teach insurance professionals how these features are attractive to seniors and, more importantly, why fixed deferred annuities can be a suitable part of a senior’s financial plan.

Course Description:

Life insurance is often ignored as a solution to basic business planning and wealth transfer. This course will expose the attendee to the reasons for business owners to buy life insurance and how it should be executed, and will uncover tools and strategies for transferring wealth to the next generation.This course explains how each concept works as well as the tax law rulings that apply. Some of these tax law rulings are very recent and need to be examined.

Course Description:

Variable Universal Life (VUL) is an exciting product that can help investors in a variety of situations reach their financial goals while protecting their financial obligations.

There are a wide variety of needs that can be met with a VUL policy. From younger individuals to older couples needing estate planning, to business owners looking toward their future, VUL can meet their needs. The process of setting up an VUL contract is especially important because decisions made at the time the contract is purchased will have effects for as long as the contract exists.

This course addresses all of these issues in a concise, easy to follow format that can be used as reference material in the future.

Course Description:

After completing this course, participants will understand exactly what long term care is, why long term care is such a problem, and why addressing it is so important.

Participants will also understand the following aspects of long term care, the need for long term care insurance, and insurer/agent/broker responsibilities according to federal and state regulations: The risk factors associated with Long-Term care, the various ways of funding long-term care, federal and state legislation regarding long-term healthcare and long term care insurance policies, and much more!

Course Description:

This course will help participants have a better understanding of the basics of annuities including classifications of annuities, parties to the annuity contract and uses of the annuity contract. Participants will also explore the various contract provisions in annuities and how they impact suitability and examine ethical responsibilities of agents in the annuity sales process.

Course Description:

The overall objectives of this course are to comply with the 4 hour one-time training requirement for Annuity Suitability as described in the NAIC Suitability in Annuity Transactions Model Regulation. This course will educate the producer as to the types and various classifications of annuities including a detail discussion of riders, options, fees and charges for each annuity type, as well as discuss the primary uses of annuities and when the use of an annuity is not a good fit for the consumer.

Course Description:

This course, Retirement Income Distribution Planning, is designed to educate the agents in regard to the overall benefits of proper retirement planning for consumers. The knowledge contained within the course material will assist the agent in helping their clients understand what is needed for their financial future and how to custom tailor services and products to provide their overall protection and peace of mind.

Course Description:

This course, Retirement Income Strategies, is designed to provide insurance licensees with a comprehensive understanding of the knowledge and skills needed to best prepare clients for the third stage of life; i.e., retirement.

This course will educate producers about the various factors affecting retirement income such as targeted retirement date, life expectancy factors based on age and health, shortened time horizons, where retirement income will come from, what insurance products can be utilized to supplement retirement income, etc.

Course Description:

A three hour course designed to educate the agent about determining ethical standards and suitability of recommendations made to clients, regarding insurance and securities products. We look at many different current suitability standards and ongoing attempts to achieve uniform suitability standards at the industry, state, and federal levels.

Course Description:

The knowledge contained within the course material will help insurance professionals explain the many options available to their clients—as well as to themselves. The course is intended to assist readers in understanding what benefits are available to them and their clients to show them how they can plan their own strategies to maximize their Social Security benefits and round out their retirement plans.

Course Description:

This course will provide participants with a better understanding of current U.S. insurance regulation and its purpose by reviewing the historical details of federally enacted legislation affecting insurance, an understanding of ethical philosophies and the basics of ethics, discuss how to apply various ethical philosophies to the insurance industry, and explain the numerous unfair and illegal trade practices that are prohibited—and why they are prohibited, and an understanding of the importance of insurance company financial stability; explain risk-based capital, reinsurance, and insurance company rating services.

Course Description:

To understand the basics of annuities including classifications of annuities, parties to the annuity contract and uses of the annuity contract. To explore the various contract provisions in annuities and how they impact suitability. The Instructor-led will explain through the Live classroom course the taxation of both qualified and non-qualified annuities during both the accumulation and distribution phases. To cover State and federal regulations related to the suitability of annuity product sales. The insurance continuing education presentation course will examine ethical responsibilities of agents in the annuity sales process.

Course Description:

The Live CE presentation is designed to educate the agents in regard to the overall benefits of proper retirement planning for consumers. The knowledge contained within the insurance continuing education course material will assist the agent in helping their clients understand what is needed for their financial future and how to custom tailor services and products to provide their overall protection and peace of mind. Instructor-led will explain in the presentation other income sources such as government program benefits, personal savings and investments, reverse mortgages and alternative investments.

Course Description:

This classroom continuing education course will help you to become knowledgeable in the many strategies involved in savvy retirement planning. The Instructor-led will introduce the Live presentation by explaining the benefits that are available not only for the worker, but the program has been expanded to include spousal benefits, divorced spouse benefits, and dependent benefits, all within the arena of retirement, disability and survivors benefits.

Course Description:

The specific Insurance CE course learning objectives are regarding various long-term care settings and facilities as well as the services typically delivered in each, the principal types of long-term care insurance benefits and insurance, the differences between tax-qualified and non-qualified long-term care policies, an agent’s responsibilities related to determining the suitability of a recommendation to purchase a long-term care insurance product and required marketing practices and disclosure requirements in the sale of long-term care insurance in California.

Course Description:

The Insurance CE course will provide the reader with the following components.An understanding of current U.S. insurance regulation and its purpose by reviewing the historical details of federally enacted legislation affecting insurance. The numerous duties and responsibilities facing insurance agents and producers today, including state and federal responsibilities and contractual responsibilities. The concepts of due diligence and the duty to disclose, along with providing pertinent examples and court cases depicting appropriate and inappropriate agent behavior. An understanding of ethical philosophies and the basics of ethics, how to apply various ethical philosophies to the insurance industry, and the numerous unfair and illegal trade practices that are prohibited—and why they are prohibited. An exploration and explanation of a number of issues within the Property & Casualty lines of insurance that present challenges to agents today. An exploration and explanation of a number of issues within the Life & Health lines of insurance that present challenges to agents today. A detailed discussion of the Internet, its history, and how it affects agents in the conduct of their business and in their relationships with consumers. An understanding of the importance of insurance company financial stability; explain risk-based capital, reinsurance, and insurance company rating services. An in-depth discussion of market conduct and market conduct examinations and how insurance companies are expected to exhibit market conduct—complete with a review of recent market conduct exams and recommendations. An understanding of current E&O statistics, trends, and issues that may lead to E&O claims, along with a detailed review of actual E&O claims scenarios