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Satisfy your state's annuity training requirement. This course meets this state's one-time, 4-hour annuity training course requirement. Learn the fundamentals of the annuity contract, suitability, and sales practices. Learn about variable and fixed annuities, single and periodic premiums, and immediate and deferred annuities. Appropriate uses for different annuities and tax rules are also discussed.
This course shows insurance company personnel how to build anti-money laundering programs. It introduces the Bank Security Act, the Money Laundering Control Act, the Money Laundering Suppression Act, and the USA PATRIOT Act. The money laundering process is described, with emphasis on the insurance industry’s most vulnerable points. The requirements for a formal program are given, including requirements related to the adoption of policies, procedures, and internal controls. The course explains the compliance officer’s specific responsibilities for the program.
The course contains the recommended core elements of an AML training program for life insurance agents, as recommended by the American Council of Life Insurers. Major topics addressed in the course include key concepts, agent responsibilities, know your customer, methods of payment, suspicious activity monitoring, record keeping, reporting requirements, and penalties.
Anti-Money Laundering Laws and Practices Total Credit Hours: 4.0
Credit hours apply to all of the following:
Life and Health (4.0 Credit Hours)
Skill Level: Intermediate
Where is the insurance industry most vulnerable to money laundering? Learn how to recognize activities that should be considered unusual or suspicious. The course covers laws enacted to enhances the government's ability to fight money laundering by monitoring currency transactions and suspicious financial activities.
This course describes anti-money laundering programs for life insurance companies and the responsibilities of life insurance agents and brokers within those programs. The course is designed to help insurance companies design anti-money laundering programs that effectively address the risks they face from money launderers and terrorists. The course includes an overview of the minimum standards for an anti-money laundering program in life insurance companies, a survey of US. Laws for combating money laundering and terrorism, the money laundering process, regulations covering money laundering, the development of anti-money laundering programs in insurance companies, suspicious transaction reporting, knowing customers and other guidelines, such as due diligence, red flags associated with suspicious activity involving insurance companies and products, and penalties and responsibilities. The course concludes with seven case studies.
Anti-Money Laundering Training for Insurance Professionals Total Credit Hours: 2.0
Credit hours apply to all of the following:
Life and Health (2.0 Credit Hours)
This course, Anti-Money Laundering Training for Insurance Professionals-2013, contains the recommended core elements of an AML program for life insurance companies, as well as directions on how to integrate insurance agents and brokers into the insurance company's AML program, including those associated with independent agencies. Major topics addressed in the course include trends in money laundering, major laws addressing money laundering, the core components of an insurance company's anti-money laundering program, the role and responsibilities of life insurance agents, record keeping requirements, and reporting requirements and penalties for breaking AML laws and regulations.
Flood Insurance, 1st Edition Total Credit Hours: 3.0
Credit hours apply to all of the following:
Property and Casualty (3.0 Credit Hours)
Skill Level: Intermediate
Producers who sell coverage provided by the National Flood Insurance program can use this course to learn topics that meet FEMA education guidelines promulgated in response to the Flood Insurance Reform Act of 2004 and FEMA's advanced training topics and guidelines issued in response to requests for advanced flood insurance training.
Credit hours apply to all of the following:
Property and Casualty (6.0 Credit Hours)
Skill Level: Basic
Here is a targeted orientation course for new claim professionals. Learners discover the role of the claim professional and the skills and resources involved in claim handling. Students receive an introduction to the common procedures involved in the claim-handling process and the important ethical issues associated with claims.
This fundamental course presents the methods used to determine the correct amount to pay for property and liability claims. Students learn the complete settlement process, from reserving to recovery through subrogation or salvage. Practical examples and exercises teach important strategies for on-the-job use.
Credit hours apply to all of the following:
Property and Casualty (5.0 Credit Hours)
Skill Level: Intermediate
This course presents the basic procedures and relevant laws for property and casualty claim investigations. Students learn specific steps to follow when investigating auto liability, workers' compensation, fire, and fall-down claims. Relevant case studies show how to use information from a loss report in the investigation procedure.
Claim Statements, 3rd Edition Total Credit Hours: 6.0
Credit hours apply to all of the following:
Property and Casualty (6.0 Credit Hours)
Skill Level: Intermediate
Here is a practical way to teach the basics of taking statements and to provide practice in interviewing, analysis, evaluation, and decision-making skills. Illustrated dialogues relate the concepts directly to claim professionals' daily activities.
Training with this course is a dynamic way to promote awareness and understanding of the serious problem of insurance fraud and its costly effects on the insurance industry, policyholders, and the general public. The course provides motivation and techniques professionals can apply on the job to identify and fight fraud. It includes a job aid with 192 insurance fraud indicators to help employees recognize common patterns.
Interpreting Medical Reports, 3rd Edition Total Credit Hours: 9.0
Credit hours apply to one of the following:
Life and Health (9.0 Credit Hours)
Property and Casualty (9.0 Credit Hours)
Skill Level: Intermediate
This is an excellent introduction to medical terms and human anatomy from a claims perspective. The study provides the skills needed to competently handle medical claims. Illustrations help the learners locate and identify major bones and key body systems. Students learn the implications of bone and soft tissue injuries. Job aids include medical abbreviations, terms, a pronunciation guide, and a temporary disability time estimate chart.
Liability Insurance Practices Total Credit Hours: 12.0
Credit hours apply to all of the following:
Property and Casualty (12.0 Credit Hours)
Skill Level: Intermediate
Determine coverage and legal liability for third-party claims, including those affected by homeowners policies and commercial general liability (CGL) coverage. Claim investigation, damages evaluation, and settlement practices are explained. Particular attention is paid to specific claim issues involving the most common types of liability claims, auto liability and premises liability.
Credit hours apply to one of the following:
Life and Health (15.0 Credit Hours)
Property and Casualty (15.0 Credit Hours)
Skill Level: Intermediate
Plain-language explanations and illustrations introduce diagnostic tools and relate them to the physical conditions commonly seen in medical claims. This course helps employees understand complex medical reports about tests and signs and use those reports effectively in the claims settlement process.
Credit hours apply to all of the following:
Property and Casualty (14.0 Credit Hours)
Skill Level: Intermediate
This course guides students through the process of claim negotiation. Students focus on preparing for negotiation, establishing the right climate, and other techniques needed to reach quality settlements.
Here is a definitive study of quality customer service in the insurance environment. Students learn to see service from the customers' view. They learn to establish rapport, develop relationships, listen actively, take ownership of problems, speak positively, and help irate customers.
This comprehensive training course explains the concepts and terminology of ISO's business income and extra expense forms and frequently used endorsements. Pertinent illustrations and tables show how time element insurance fits into the commercial property line. Learners discover how to differentiate time element needs from property coverage needs and which factors are used to establish adequate insurance limits to cover loss exposures.
Liability coverage, physical damage coverage, conditions, endorsements and more: here is a careful analysis of ISO's most recent business auto, garage, and motor carrier forms. Students learn the eligibility rules and how to use the numerical system for designating the autos covered by each form.
This comprehensive course teaches how to rate both business auto and garage forms. It has been recently updated to cover current ISO rules. It covers rating hired commercial auto, employers nonownership liability, commercial auto truck types, commercial auto trailers, zone risks, vehicle dealers, and private passenger types. Commercial auto garage rating, tools used for rating commercial auto, and coding procedures are also discussed.
Commercial Crime Coverage analyzes each of the insuring agreements in ISO's crime coverage program. This course explains how to assemble a commercial crime contract as a monoline policy or as part of the CPP, and it gives an overview of how the exposures are rated.
Commercial General Liability Coverage, 8th Edition Total Credit Hours: 10.0
Credit hours apply to all of the following:
Property and Casualty (10.0 Credit Hours)
Skill Level: Intermediate
Students learn the basis for legal liability and the business liability exposure. The course features detailed analysis of the coverages under ISO's occurrence and claims-made forms, specialized liability coverages, and popular endorsements.
Students learn the basis for legal liability and the business liability exposure. The course features detailed analysis of the coverages under ISO's occurrence and claims-made forms, specialized liability coverages, and popular endorsements.
Commercial Inland Marine Coverage Total Credit Hours: 15.0
Credit hours apply to all of the following:
Property and Casualty (15.0 Credit Hours)
Skill Level: Intermediate
This specialized course introduces the nationwide definition and teaches identification and categorization of common inland marine risks. Students learn to distinguish filed and nonfiled inland marine insurance forms and to determine which forms may be included in the commercial package policy. They also learn the terminology and regulations associated with transportation and bailee risks.
Commercial Property Coverage, 6th Edition Total Credit Hours: 9.0
Credit hours apply to all of the following:
Property and Casualty (9.0 Credit Hours)
Skill Level: Intermediate
Property damage, loss of income, and extra expenses. Today's commercial property owner must be prepared to deal with these issues, and more, if property damage occurs. In this introductory class you'll review the standardized property and cause of loss forms, coverages, exclusions, and conditions. Specific applications help you understand the types of property and time element losses that businesses face. Emphasis is placed on recognizing situations where coverage can be enhanced by using endorsements.
Students learn how to rate building and personal property coverages, as well as other commercial property coverages and endorsements. Topics include a review of commercial property insurance, tools used for rating commercial property insurance, class rating, and specific rating.
This course provides an overview of package policies for small- to medium-sized businesses and ISO's business-owners policy and eligibility rules. Students learn typical ways in which company-specific business-owners policies differ from the ISO form. The course includes a workbook for students to analyze their own company's small-business policy.
Product Liability Insurance Total Credit Hours: 4.0
Credit hours apply to all of the following:
Property and Casualty (4.0 Credit Hours)
Skill Level: Intermediate
What is the product liability risk and what are the types of claims that businesses may face from this exposure? Learn about the development of product liability law and the legal bases for lawsuits. Identify a business’s product liability exposures and the appropriate insurance solution for that risk.
The course presents a careful analysis of the National Council on Compensation Insurance's workers' compensation and employers liability policy and the principal features of current issues on workers' compensation. It discusses benefit structures, basic features of state workers' compensation laws, and various unit statistical plans.
Workers Compensation Rating Total Credit Hours: 5.0
Credit hours apply to all of the following:
Property and Casualty (5.0 Credit Hours)
Skill Level: Intermediate
This course shows students how to rate the workers' compensation (WC) and employers liability policy and how to use the WC classification system. It provides an overview of WC benefits, describes loss costs and how they are used, and explains how risks are classified. Exercises on rating from sample applications are included.
Learn what you need to sell life insurance in the profitable estate planning market. This course covers forms of property ownership, wills, trusts, probate, and estate and death taxes. Learn how to use life insurance and annuities to achieve important estate planning objectives.
ILITs and Estate Planning analyzes the difference between a probate estate and a federal gross estate, the methods of paying final estate taxes, the important elements of a trust, the reasons for purchasing life insurance to pay estate settlement costs, the value of using an irrevocable life insurance trust (ILIT) to pay estate settlement costs, and the value of paying life insurance premiums through annual gifts to an ILIT.
Introduction to Trusts: Case Studies, 2nd Edition Total Credit Hours: 3.0
Credit hours apply to all of the following:
Life and Health (3.0 Credit Hours)
Skill Level: Advanced
In today's competitive financial services market, your ability to use estate and financial planning techniques to the best advantage of your clients is vital to your success. Trusts are one of the major building blocks of those techniques. This course is designed to cast you in the role of financial planner for five clients. You will interview the clients to determine their circumstances, needs, and resources. You will analyze their situations to develop a financial plan using trusts, and you will implement the plan with the execution of appropriate documents.
Problematic Beneficiary Designations Total Credit Hours: 11.0
Credit hours apply to all of the following:
Life and Health (11.0 Credit Hours)
Skill Level: Advanced
Learners discover potential problems in beneficiary designations for life insurance, annuities, and retirement plans. Upon completion, students will understand how beneficiary designations can be problematic; the income, gift, and estate tax consequences that may result from different beneficiary designations; the complications that arise when insurance proceeds or other death benefits are left to children; how trusts can solve beneficiary designation problems; and the financial professional's role in the beneficiary designation process.
Learners will be able to understand the differences between wills and intestacy and explain the impact of each on an individual's estate and the estate settlement process. This course also covers the laws of intestacy, the intestacy process, and the reason some people die intestate, as well as the general requirements of a valid will, the different types of wills, and the process of drafting and executing a will. It includes sample documents and exercises to help the student gain mastery of the complex language of estate planning.
Here is an excellent introduction to the life and health insurance producer's ethical responsibilities to insurers, their clients, the public, and the state. The course focuses on the expression of ethical principles in the daily activities of life and health insurance producers.
This course helps establish your company's ethical standards for life agents, managers, and marketing support personnel with discussions on serving the client's best interest, needs selling, ongoing service, and much more. Learners discuss the information sharing and privacy protection requirements established by the Gramm-Leach-Bliley Financial Modernization Act.
This course is designed to help producers recognize some of the ethical dilemmas they may encounter in their careers and provides guidance on the attitudes and specific conduct that is expected. The course begins by defining ethics and explaining how insurance producers, as professionals, are subject to heightened ethical standards. The various ethical requirements that apply to insurance companies and agents are analyzed, with discussion relevant to both life and health and property and casualty producers.
This course emphasizes the importance of ethical conduct and professionalism in the property and casualty industry. Students learn how consumer protection and ethical issues relate to insurance regulation, with an emphasis on claims, underwriting, and sales practices. Case studies and exercises help students apply what they've learned.
This course addresses the complexities of ethical decision making in the property and casualty insurance environment. It goes beyond the generic subject of ethics with real-life examples and scenarios for the property and casualty professional and includes a set of tools that will help producers to sensitively and intelligently face or prevent ethical dilemmas. This course will reinforce professional competence by examining and responding to a variety of ethical issues facing independent and captive agents, brokers, and agency managers.
Ethics for the Insurance Professional, 4th Edition Total Credit Hours: 3.0
Credit hours apply to all of the following:
Ethics (3.0 Credit Hours)
Skill Level: Intermediate
This course outlines the broad parameters of a life insurance producer's ethical responsibilities. The producer's responsibilities to the insurer, policyowners, and the public are detailed. The course also outlines legal and fiduciary issues. Case studies and examples throughout the course reflect ethical dilemmas that insurance producers commonly face on the job.
Insurance professionals will learn why ethical conduct is good business. This course is appropriate for life and health and property and casualty staff and producers, and it satisfies the state-specific ethics and law requirements in many states.
This course provides principles and guidelines for determining the suitability of annuity products and making appropriate recommendations for prospects and clients. It looks at the proper use and application of fixed, variable, and equity- indexed annuities; their purpose, function, and the needs they serve.
Suitability For Traditional Life And UL Insurance Total Credit Hours: 4.0
Credit hours apply to all of the following:
Life and Health (4.0 Credit Hours)
Skill Level: Basic
This course provides principles and guidelines for determining the suitability of life insurance products and making appropriate recommendations for prospects and clients. It focuses on the proper use and application of term, whole life, and universal life-how these products work as well as the situations and needs they best serve.
Learn how annuities can satisfy client investment goals. This course discusses the features of annuities and where they belong within the range of retirement saving and distribution options that are available to clients. The course links annuity features to the sales process.
Learn the fundamentals of individual annuity contracts. This course covers variable annuities in depth, distinguishing them from fixed annuities and discussing variations such as single and periodic premium, immediate and deferred annuities. How annuities are used and tax rules are also covered.
Focuses on the allocation of investment resources in variable annuity subaccounts. Describes common approaches to asset allocation and the relationship between asset allocation and investment diversification, as well as the various forms of financial risk and how to develop a client profile and identify client investment objectives.
Explore the foundational concepts of asset allocation and practical implications of modern portfolio theory. This course also covers rebalancing and the risks that investors may encounter, an extensive history of the capital markets, and a section devoted to suitability and the benefits and disadvantages of wrap accounts.
This course presents extensive information on the orderly continuation of a business at the death or disability of the owner. It addresses the problems that arise when a business owner dies or becomes disabled and analyzes the advantages and disadvantages of retaining, liquidating, or selling the business interest. It includes a complete coverage of buy-sell agreements for sole proprietorships, partnerships, and close corporations, including the income and estate tax rules applicable to stock purchase plans. Prospecting tips are included.
This comprehensive course examines the insurance products and concepts that meet business insurance needs. It compares proprietorships, partnerships, and corporations, and then discusses key employee insurance, deferred compensation, split-dollar plans, executive bonus plans, and group insurance. It includes sample advanced sales agreements, plus valuable prospecting tips and sales ideas. The last unit explains financial statements and shows how to use them as sales tools.
Equity-Indexed Annuities, 2nd Edition, Revised Total Credit Hours: 3.0
Credit hours apply to all of the following:
Life and Health (3.0 Credit Hours)
Skill Level: Intermediate
Learn the most important concepts relating to Equity-Indexed Annuities. This course describes EIA designs, features and performance in detail. It also shows examples of the way various EIA design structures perform under different market conditions and why “indexing†is a solid investment strategy for the traditional annuity buyer.
This course is ideal training for producers who want detailed information on all facets of financial planning. It begins with an industry overview and then analyzes several aspects of financial planning. It covers income tax planning, risk management planning, retirement planning, wealth accumulation planning, and estate planning, and concludes with a look at the profession. This is an ideal companion to Financial Products Training Course.
Financial Products Training Course, 6th Edition Total Credit Hours: 7.0
Credit hours apply to all of the following:
Life, Accident and Health (7.0 Credit Hours)
Skill Level: Advanced
Give your producers and brokers a practical and sales-oriented look at how each financial planning product works, including its tax consequences and its relative strengths and weaknesses. This comprehensive course covers deposit accounts, insurance, annuities, securities, mutual funds, and qualified retirement plans. Separate units focus on the risk-return trade-off and selecting the right investment. This is an ideal companion to our Financial Planning Process course.
This course is an effective way for individuals to meet their state's requirements for insurance producers who sell indexed insurance products. In an engaging, interactive format that utilizes illustrations, graphs, and other visuals, this course covers all the topics needed for state approval. Exercises and review tests assure that learners interact frequently with the material and give them assurance that they are mastering the concepts as they go.
This course provides a thorough examination of qualified tuition programs (QTPs), more commonly referred to as Section 529 college funding plans. These plans can be either prepaid tuition plans or college savings plans for payment of qualified higher education expenses. The course addresses the different plans and their respective benefits, as well as the rules that govern contributions to and distributions from these plans. Other issues addressed include the required coordination between QTPs and other education expense programs; the effect of QTPs on student eligibility for financial aid; the associated income, gift, and/or estate tax treatments for both contributions and distributions; and some of the important considerations in choosing a QTP.
This course provides an introduction to the income taxation of life insurance products and annuities. The lessons discuss life insurance as a financial product, term and permanent life insurance, rights and benefits of life insurance ownership, settlement options, and taxation. The lesson on annuities covers the role of annuities in investment planning and taxation issues.
The purpose of this course is to examine IRC Section 1035 and the planning capabilities it requires. The course covers the basic tax treatment of life insurance and annuities, the purpose of Section 1035, the exchange rules of life insurance and annuities, the meaning of policy replacement, and the procedures for properly effecting a 1035 exchange.
Take your knowledge of variable contracts to the next level. Learn to describe the formal characteristics of fixed premium variable life, variable universal life, and variable annuities to prospects and clients; determine suitability requirements of variable contracts; and explain and recommend asset allocation based on your clients’ needs.
Learners explore steps in the variable life insurance and annuity sales process through a series of case studies. In each case study, the learner meets the clients, conducts a fact-finding interview, creates a plan, presents the plan, and follows up.
This course begins with a discussion of the need and value to financial advisors of providing advice to Baby Boomers on Medicare programs and choices, and then the course describes how and when to provide that advice. Course units cover the clients, considerations, resources, Medicare, enrollment, major choices, Original Medicare, Medicare Supplement Insurance, Medicare Advantage Plans, Medicare Part D: Prescription Drug Plans, and changing plans.
This comprehensive course on disability income insurance provides the training that agents need to educate clients and sell disability insurance policies in the individual and business markets. This course defines and explains the major forms of disability income insurance in clear and concise language with illustrations and marketing strategies.
Learners gain knowledge of all facets of group insurance, including life, health, and long-term care plans. The course explains the basic characteristics of group plans and analyzes the qualification and tax rules that apply to them. One unit is devoted to Section 125 plans. Study includes up-to-date coverage of the impact of managed care and health insurance portability requirements. This course provides practical advice on enrolling, installing, and servicing group plans, with special emphasis on marketing techniques.
Health Care Reform, 1st Edition Total Credit Hours: 2.0
Credit hours apply to all of the following:
Life and Health (2.0 Credit Hours)
Skill Level: Intermediate
This course describes and explains the provisions of the new Affordable Care Act-the legislative package that includes the Patient Protection and Affordable Care Act, and the subsequent reconciliation bill, the Health Care and Education Reconciliation Act of 2010.
Health Concepts, 19th Edition Total Credit Hours: 12.0
Credit hours apply to all of the following:
Life and Health (12.0 Credit Hours)
Skill Level: Basic
This course provides an overview of the health insurance industry, health products, and marketing concepts. Unit topics include types of health insurance policies, disability income insurance, medical expense insurance, health insurance providers common provisions and features, required uniform policy provisions, optional uniform policy provisions, the application and underwriting, group health insurance, special types of health policies, social health insurance, and health insurance and taxation.
Health Savings Accounts, 2nd Edition Total Credit Hours: 4.0
Credit hours apply to all of the following:
Life and Health (4.0 Credit Hours)
Skill Level: Intermediate
Learn how health savings accounts (HSAs) differ from other health care reimbursement arrangements. This course covers HSA eligibility and the requirement that HSAs be used with a high-deductible health insurance plan. The rules for tax-free distributions, treatment of other distributions and other rules are also covered.
This course, Long-Term Care and Partnership Programs 4-Hour Refresher Course, is designed to meet the requirements of the National Association of Insurance Commissioners (NAIC) 2006 Long-Term Care Model Act for a four-hour follow up course that agents who sell long-term care insurance must take every 24 months after they complete the initial 8-hour initial training course. The act requires that the training has to address topics related to long-term care insurance, long-term care services, and if applicable, qualified state long-term care insurance Partnership Programs.
This introductory course should be studied before Kaplan's Long-Term Care course (see above). Basic in nature, this course provides a good overview of long-term care (LTC) insurance. Students learn about the need for LTC insurance and different ways of paying for it. Policy provisions for individual, group, and partnership LTC policies are explained. A unit is devoted to prospecting, selling, and market conduct issues.
Long-Term Care Coverage Combined with Annuities and Life Insurance Total Credit Hours: 3.0
Credit hours apply to all of the following:
Life and Health (3.0 Credit Hours)
Skill Level: Intermediate
This course describes and explains the combination products that are emerging in the insurance market as a result of provisions in the Pension Protection Act of 2006 that allow for the integration of long-term care insurance (LTCi) with annuities and life insurance policies. The course details how the LTCi benefit can be part of the base contract or a separate rider to the base contract.
In addition, the course defines the market for LTCi products, describes the risk of needing long-term care services, as well discusses who pays for long-term care.
Long-Term Care Suitability trains insurance agents in the process of educating clients about the long-term care (LTC) field and the need for LTC insurance. It details the process of working with clients to design affordable policies that are tailored to meet their needs and goals. This course emphasizes suitability and the matching of product features and benefits to client needs and goals.
Introducing insurance agents to long-term care (LTC) insurance, this course identifies the health care professionals and organizations that provide LTC services and defines the various types of LTC settings and scope of services in those settings. Tax-qualified and non-tax-qualified plans are described in detail. The course also covers Medicaid and Medicare.
Medicare and Medigap Insurance, 9th Edition Total Credit Hours: 5.0
Credit hours apply to all of the following:
Life, Accident and Health (5.0 Credit Hours)
Skill Level: Intermediate
This course provides thorough coverage of the details concerning both Medicare health insurance and Medigap supplement health insurance policies. Medicare Part C plans (Medicare Advantage) are (is) also discussed. The course provides information on Medicare eligibility requirements and enrollment procedures and explains how health benefit claims are considered in plan coverage. Medicare benefits are explained in detail, including covered services, benefit amounts, claim exclusions, and any applicable copayments and deductibles. The section of the course covering Medigap supplement insurance includes a discussion of related marketing and sales issues. Case study examples demonstrate how Medigap supplement insurance can complement Original Medicare coverage limitations.
Credit hours apply to all of the following:
Life and Health (2.0 Credit Hours)
Skill Level: Intermediate
This course covers the Medicare program, including Medicare Part A (Hospital Insurance), Medicare Part B (Medical Insurance), Medicare Part C (Medicare Advantage Plans, like HMOs or PPOs), and Medicare Part D (Medicare Prescription Drug Coverage).
When producers are ready to move into the advanced markets, this course teaches the concepts they must know to succeed. It explains how to prospect for and get the attention of business-owners. The course presents the issues that are important to business owners and discusses how producers can meet their needs. It covers succession planning (buy-sell agreements, Section 303 redemptions, and key-employee insurance), as well as several insurance products for advanced markets (group insurance, executive bonus, split-dollar plans, qualified retirement plans, and more). Learners discover how to collect the information necessary to develop an effective sales proposal.
This is a valuable, first-step training course that explains the job of selling life insurance and what is expected from new agents. It includes tips for a successful career, techniques for identifying insurance markets and analyzing financial needs, finding and contacting prospects, planning presentations, completing the sale, uses for life insurance products, analyzing life insurance policies, and developing professional work habits.
This course provides a comprehensive look at the life insurance industry. The first section of the course focuses on general information about insurance, including insurance regulation, insurance law, underwriting basics, and group insurance. The second section explains life insurance, including selling life insurance, policy issuance and delivery, types of insurance policies, policy provisions, policy options, annuities, group life insurance, Social Security and tax considerations, and retirement plans. Review questions conclude each unit. Topics include an introduction to life insurance, the need for life insurance, permanent insurance, term insurance, annuities, policy provisions, riders, premiums, dividends, nonforfeiture and settlement options, policy loans, insurance applications, underwriting, claims, group life insurance, business insurance, retirement plans, tax treatment of life insurance, life insurance companies, legal and professional aspects, and government programs.
The primary purpose of life insurance is to provide a benefit in the event of death. No other financial product can guarantee the availability of a certain amount of money at a time when it is needed most. This course provides an understanding of the ways in which life insurance provides financial stability during life and protection against financial hardship at death.
Take an introductory look at the nature and uses of life insurance, insurance applications and receipts, mortality and rating, underwriting processes and actions, term life insurance, whole life products, specialized policy forms, flexible policies, policy riders, options, provisions, and the use of life insurance for financial planning.
Needs Analysis, 4th Edition Total Credit Hours: 6.0
Credit hours apply to all of the following:
Life and Health (6.0 Credit Hours)
Skill Level:Intermediate
This course addresses the basics of needs-based consultative selling. After comparing financial objectives with existing resources, the need for additional insurance becomes obvious to prospects. This course is designed for producers who have just completed their introductory training or for experienced agents who wish to upgrade their skills from package or product selling.
Look no further for complete training on the three Insurance Services Office (ISO) dwelling coverage forms and important endorsements. The course describes who is eligible for dwelling insurance and when it is most commonly used. This course has been revised to cover 2002 ISO forms.
Here is essential training for everyone using ISO's homeowners policy program. This course focuses on the Homeowners 3 special form and then examines the differences in the Homeowners 2, 4, 5, 6, and 8 forms. Learn how different factors affect premiums. A review of popular endorsements is included.
Learners will analyze each provision of ISO's personal auto policy and important policy endorsements. They will also learn about no-fault insurance and the main factors in determining personal auto premiums. This course has been revised to cover 2005 ISO forms.
Personal Auto Rating, 4th Edition, Revised, teaches students how to rate the coverages in the personal auto policy. Students use a sample rating manual to rate simple and complex applications.
Personal Inland Marine and Watercraft Coverages Total Credit Hours: 7.0
Credit hours apply to all of the following:
Property and Casualty (7.0 Credit Hours)
Skill Level: Intermediate
Here is targeted training that provides an analysis of inland marine contracts that offer specific coverage for an insured's valuables. It also includes the three major types of personal watercraft policies and their coverages. It is designed so learners may explore personal inland marine floaters, watercraft policies, or both.
Insurance professionals often recommend endorsements to customize coverages for their clients. The course explains how to use common endorsements to cover home businesses, personal property, loss settlements, miscellaneous vehicles, other auto insureds, and much more.
Green Insurance Coverage Options, 1st Edition Total Credit Hours: 3.0
Credit hours apply to all of the following:
Property and Casualty (3.0 Credit Hours)
Skill Level: Intermediate
This course explains how the trend toward environmentally friendly products and services impacts the insurance industry in the areas of sales, underwriting, risk management, and claim handling. Insurance professionals who complete this course can use this knowledge to better serve their customers.
What concepts of legal responsibility underlie our system of insurance? This course covers our system of courts and the laws they administer, including contract and tort law, intentional torts, negligence, and strict liability and how these principles of law affect the investigation, evaluation, and disposition of an insurance claim.
Property and Casualty Principles Total Credit Hours: 8.0
Credit hours apply to all of the following:
Property and Casualty (8.0 Credit Hours)
Skill Level: Basic
Do your employees need a quick orientation to the property and casualty industry? This powerful training is designed for completion in the first week on the job. It teaches new employees how the insurance industry operates and the contribution insurance makes to our world. Confidence is increased, and employees are prepared for the new roles they are about to play.
Get a comprehensive look at key insurance lines, including property, liability, dwelling, homeowners, personal auto, commercial property, ocean and inland marine, commercial general liability, commercial auto, commercial crime, and workers' compensation. Learn the coverages, exclusions, and conditions of each line. Regulation and company organization are covered.
This course delivers an overview of the major coverages, exclusions, and conditions typically included in personal and commercial umbrella policies. Students analyze their company's umbrella policy using a policy analysis manual.
This course provides the practitioner with an overview of the most important concepts relating to 401(k) plans. It explains how a 401(k) plan works, how to tailor a plan for differing needs and requirements, what to look for in marketing a 401(k) plan, and plan administration and installation. The SIMPLE plan, which may be appropriate for small employers that do not have the resources to install and administer a formal 401(k) plan, is also discussed.
Advanced Planning for Senior Needs, 3rd Edition Total Credit Hours: 8.0
Credit hours apply to all of the following:
Life and Health (8.0 Credit Hours)
Skill Level: Advanced
Understand the unique needs of retired individuals, the resources available to meet those needs, and planning techniques available to clients at various stages of life. This course consider life insurance, annuities, health insurance, and long-term care, and covers critical market conduct issues.
Distribution Planning: Required Distributions presents a study of qualified plan distributions with an up-close look at minimum distributions required to be taken after an account owner reaches age 70 1/2. Applying recent IRS regulations, the course covers methods to compute required minimum distributions to the account owner and to beneficiaries upon the account owner's death. It also discusses the tax treatment of these distributions and IRA and retirement plan distributions in general.
This course identifies the financial challenges faced by retirees, particularly the key challenges to financial security in retirement. This topic is of critical importance because people retiring today must face finance retirements that might last as long as 15, 20, and even 30 years.
This course familiarizes agents with the retirement planning market and the retirement planning process by covering three main areas: analyzing and identifying retirement income needs and how to address those needs, health care and health insurance options, and estate and distribution planning. Topics include needs analysis, Social Security, life insurance and annuities, investment products, qualified plans and IRAs, plans for small business owners, long-term care, and wealth distribution.
This course examines the allocation and liquidation of retirement assets during retirement. The changing world of retirement, including the demographic changes that have increased the importance of allocating and liquidating retirement plans appropriately, is a key topic. Other issues addressed include financial concerns common to retirees, federal tax treatment of major asset categories, and traditional principles and strategies for allocating and distributing retirement assets.
Understand the financial concerns facing your retired clients. This course will help you increase the value of the consultative services you provide your clients by offering strategic solutions to address those concerns and make you aware of the market conduct and ethical issues involved in serving the senior market.
The rules governing Social Security and Medicare are complex, and eligibility requirements and benefit amounts can change frequently. This course will help you understand these programs. The course is divided into two parts and covers both Social Security and Medicare.
Traditional IRAs, Roth IRAs, education IRAs, and medical savings accounts are the subject of this course. Learn how these savings vehicles can be used with employer-sponsored retirement plans and medical savings accounts as part of an overall personal financial strategy, for both retirement and preretirement savings.
Hawaii Life and Health Laws and Rules Total Credit Hours: 6.0
Credit hours apply to all of the following:
Hawaii Laws & Regs (6.0 Credit Hours)
Skill Level: Intermediate
This online course provides agents with the study materials needed to satisfy the three-hour Hawaii life and health insurance code and rules continuing education requirement. The course is offered with a continuing education exam to certify completion.
This course teaches the elements of reinsurance contracts and discusses the broad categories within facultative and treaty reinsurance: pro rata and excess of loss. It is designed as an orientation course for reinsurance employees or as ongoing education for underwriters and other insurance professionals.
Who is responsible to come up with a risk management plan and what does it consist of? Learn the step in this process, how it can reduce or eliminate potential losses, and how it benefits insureds, insurance companies, and producers.
Students learn the proven-effective, four-step underwriting process: acquire needed information from the right sources, evaluate that information, select and implement sound underwriting actions, and monitor for changes and results. The course covers the basics required to underwrite specific lines of insurance and describes the purpose of reinsurance in the context of the underwriter's role.
Underwriting Practices, 1st Edition Total Credit Hours: 4.0
Credit hours apply to all of the following:
Property and Casualty (4.0 Credit Hours)
Skill Level: Advanced
Underwriting Practices goes beyond the basic techniques and principles of underwriting and focuses on the "how and why" of underwriting: how insurers develop their underwriting and risk selection guidelines, the factors that affect insurance pricing, how insurance rates are developed, and why retrospective rating plans may be appropriate for certain risks.
*Please Note: The Credit Type(s) listed indicates the Line of Authority (LOA) for which this state approved the course. Where hours are listed for more than one Credit Type, you earn only the largest
number of hours applicable to your licenses type (i.e., the hours are not added together unless otherwise indicated in the Course Details).
**For eligible courses CFP® Continuing Education Credits are available for an additional fee.
There are currently no live classes for this state. Please view our online
Total Access CE study option.
Resident Requirements
Resident producers authorized to sell lines of insurance in only life, accident, and health or only in property and casualty must complete 24 hours of CE during each license renewal period. Three (3) hours of CE must specifically relate to ethics or the Hawaii insurance laws and rules, with the other 21 hours relating to the applicable class/line of insurance.
Resident producers who are authorized to sell lines of insurance in both life, accident, and health and property and casualty must also complete 24 hours of CE during each renewal period. The 24 hours must be completed in the following manner:
For a producer licensed only in Personal Lines, 24 credits, consisting of 21 credits relating to P&C and three (3) credits relating to ethics training or insurance laws and rules must be completed. Producers licensed for Personal Lines and Life or Accident & Health, the requirement is 24 credits, consisting of ten (10) credits relating to life or A&H, eleven (11) credits relating to P&C, and three (3) credits relating to ethics training or insurance laws and rules.
This state has issued a notice reminding licensees who sell flood insurance of their requirement to comply with the minimum training requirements established by FEMA and the National Flood Insurance Program.
Non Resident Requirements
A producer’s satisfaction of the producer’s home state’s continuing education requirements for licensed insurance producers shall constitute satisfaction of Hawaii’s continuing education requirement so long as the non-resident producer’s home state recognizes the satisfaction of its continuing education imposed upon producers from Hawaii on the same basis.
Long-Term Care Training
No LTC training requirement.
Annuity Training
Effective 1/1/12, any insurance producer who is authorized to sell life or accident, health, or sickness insurance and who engages in the sale of annuity products must complete a one-time four hour training course on annuity products by January 31, 2012. An insurance producer who obtains a life insurance line of authority after January 31, 2012 may not engage in the sale of annuities until the training course has been completed.
Course Repetition
Course repetition is not permitted within the compliance/renewal period.
Proctor/Monitor Requirements
Online exams must be monitored by a disinterested third party. A disinterested third party certifies that the licensee completed the exam without assistance (i.e., closed book, no tiling, layering of screens, etc.) and is someone who has no financial interest in the success or failure of the student’s ability to maintain their license. The monitor must complete the online Declaration of Compliance. If the licensee launches the exam without a monitor present, he/she will be disqualified from receiving CE credit for the course. Completion of the Declaration of Compliance acknowledges understanding and adherence to the specific requirements outlined by the State Department of Insurance. The Declaration of Compliance is electronically transmitted to Kaplan upon completion of the exam and may be audited for compliance purposes.
Period Requirements
Producers renew on the 16th day of their birth month; even months renew in even years, odd months renew in odd years.
Carryover Requirements
Carryover is not permitted.
Reporting Requirements
Report within 15 days of completion. Need Agent’s license number to report.
Acceptable Training Methods
Online (Internet Delivery)
Correspondence (Print)
Classroom
Company Seminars
Notice
This information is based on state laws and regulations and is subject to change. Kaplan Financial Education makes every effort to make sure this information is current and accurate, however, Kaplan Financial Education is not engaged in rendering legal or professional advice and shall not be held responsible for inaccuracies contained herein.
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