Ethics and Regulation in the Insurance Industry
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Ethics/Consumer Protection (2.0 Credit Hours)
General (2.0 Credit Hours)

This class covers the basics of industry regulation and the principles of ethical market conduct. It begins by reviewing industry regulations, and continues by examining agent responsibilities toward carriers. The focus then shifts to an agent’s responsibilities to clients, prospects, and the public. The class ends by discussing the elements of ethical decision making and actions.

Agents and Ethics
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Ethics/Consumer Protection (4.0 Credit Hours)

CFP Credit Hours: 4.00

This class presents the concept of ethics, how it relates to the sales and service of insurance, and how it creates the foundation for personal as well as professional success. The class sets the foundation by examining ethics as a moral and legal force. It then previews the ethical responsibilities agents owe to their insurers, their policyowners, their states, and the general public.

Suitability: Matching the Product to the Need
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

CFP Credit Hours: 4.00

This class teaches suitability basics for life insurance and annuity products, including guidelines for gathering data and making recommendations. The class includes a survey of life insurance policy and annuity contracts, covering key characteristics and uses.

Long-Term Care Partnership 4-Hour Refresher
Total Credit Hours: 4.0

Credit hours apply to all of the following:
CE-Cert-LTC-Partnership (4.0 Credit Hours)

This class updates agents on the long-term care (LTC) field, partnerships, and LTC policies. It defines the various types of LTC settings and their services. The differences between tax-qualified and non-tax-qualified plans are described. Policy provisions and benefit options are delineated. The class also covers Medicaid and Medicare.

2011 Texas Annuity Training Class (Initial Annuity Training)
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Cert-Annuity (4.0 Credit Hours)

This class satisfies the 4-hour initial annuity training requirement for Texas producers wishing to sell an annuity product.

Explore the structure and application of fixed, variable, and indexed annuities and how they can be used for wealth distribution and accumulation. Learn how to analyze the need for and appropriately apply annuities for accumulation and income purposes, match an appropriate annuity to a client’s needs, and identify and explain key contract elements of fixed, variable, and indexed annuities. The class addresses the NAIC Suitability in Annuity Transactions Model Regulation.

Ethics and Regulation in the Insurance Industry
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Ethics/Consumer Protection (2.0 Credit Hours)
General (2.0 Credit Hours)

This class covers the basics of industry regulation and the principles of ethical market conduct. It begins by reviewing industry regulations, and continues by examining agent responsibilities toward carriers. The focus then shifts to an agent’s responsibilities to clients, prospects, and the public. The class ends by discussing the elements of ethical decision making and actions.

Covering Business Liability Exposure
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

This class is designed to give the insurance agents a review of the commercial general liability contract. It includes discussion of both occurrence and claims-made forms.

Tearing Apart Homeowners Policy
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

This class takes students through the details of the homeowners form, including property and liability coverages and key endorsements. Differences among various homeowner forms are compared based on what they cover and when they apply. The insured’s reponsibilities at the time of loss, and other information needed at the time of claim, are also described.

Medicare Supplements
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

The first half of this class offers a detailed review of original Medicare - specifically Part A and Part B. It describes both what is covered and what is excluded, also touching on claims. The second part of the class takes up Medigap policies and other Medicare options. The class concludes with a review of Medicaid, means testing and eligibility.

Tearing Apart the Automobile Policy
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

This class takes the student through the details of an automobile insurance policy based on the ISO form. It reviews key policy elements such as liability coverage, medical payments, uninsured/underinsured motorist provisions, coverage for direct physical damage, and key endorsements. Students will also understand the insured’s responsibilities when a loss occurs.

Ethics for Insurance and Financial Advisors
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Ethics/Consumer Protection (2.0 Credit Hours)
General (2.0 Credit Hours)

The class provides the foundation of knowledge and understanding that an individual needs to function ethically in his or her role as an insurance or financial services professional. The class will concentrate on the social, professional and legal aspects of ethics, discussing the concepts of ethics in general, and progress to how broad areas of ethical responsibility influence financial services professionals’ behavior.

Insurance Planning for Seniors
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

CFP Credit Hours: 4.00

This class gives students the knowledge necessary to help clients manage their post-retirement financial plans, including understanding the financial concerns facing retirees. Topics include long-term care, Medicare and asset distribution.

Ethics for Insurance and Financial Advisors
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Ethics/Consumer Protection (2.0 Credit Hours)
General (2.0 Credit Hours)

The class provides the foundation of knowledge and understanding that an individual needs to function ethically in his or her role as an insurance or financial services professional. The class will concentrate on the social, professional and legal aspects of ethics, discussing the concepts of ethics in general, and progress to how broad areas of ethical responsibility influence financial services professionals’ behavior.

Group Insurance
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

This class helps insurance agents understand how group insurance works. It describes how group insurance and employee benefits serve both the employer and employees. It also addresses related sources of coverage such as Workers Compensation, as well as how other sources of insurance relate to group insurance plans.

Ethics and Regulation in the Insurance Industry
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Ethics/Consumer Protection (2.0 Credit Hours)
General (2.0 Credit Hours)

This class covers the basics of industry regulation and the principles of ethical market conduct. It begins by reviewing industry regulations, and continues by examining agent responsibilities toward carriers. The focus then shifts to an agent’s responsibilities to clients, prospects, and the public. The class ends by discussing the elements of ethical decision making and actions.

Long-Term Care Partnership 4-Hour Refresher
Total Credit Hours: 4.0

Credit hours apply to all of the following:
CE-Cert-LTC-Partnership (4.0 Credit Hours)

This class updates agents on the long-term care (LTC) field, partnerships, and LTC policies. It defines the various types of LTC settings and their services. The differences between tax-qualified and non-tax-qualified plans are described. Policy provisions and benefit options are delineated. The class also covers Medicaid and Medicare.

Ethics and Regulation in the Insurance Industry
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Ethics/Consumer Protection (2.0 Credit Hours)
General (2.0 Credit Hours)

This class covers the basics of industry regulation and the principles of ethical market conduct. It begins by reviewing industry regulations, and continues by examining agent responsibilities toward carriers. The focus then shifts to an agent’s responsibilities to clients, prospects, and the public. The class ends by discussing the elements of ethical decision making and actions.

Today's Estate Planning Strategies
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

CFP Credit Hours: 4.00

This class will help financial practitioners understand and appreciate the need for estate planning. The program will cover estate planning goals and objectives, the roles of wills and trusts, estate transfer taxes and other costs, and the estate planning process. The material will focus particularly on techniques to help achieve clients’ goals and objectives.

Ethics and Regulation in the Insurance Industry
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Ethics/Consumer Protection (2.0 Credit Hours)
General (2.0 Credit Hours)

This class covers the basics of industry regulation and the principles of ethical market conduct. It begins by reviewing industry regulations, and continues by examining agent responsibilities toward carriers. The focus then shifts to an agent’s responsibilities to clients, prospects, and the public. The class ends by discussing the elements of ethical decision making and actions.

Ethics and Regulation in the Insurance Industry
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Ethics/Consumer Protection (2.0 Credit Hours)
General (2.0 Credit Hours)

This class covers the basics of industry regulation and the principles of ethical market conduct. It begins by reviewing industry regulations, and continues by examining agent responsibilities toward carriers. The focus then shifts to an agent’s responsibilities to clients, prospects, and the public. The class ends by discussing the elements of ethical decision making and actions.

Medicare Supplements
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

The first half of this class offers a detailed review of original Medicare - specifically Part A and Part B. It describes both what is covered and what is excluded, also touching on claims. The second part of the class takes up Medigap policies and other Medicare options. The class concludes with a review of Medicaid, means testing and eligibility.

Suitability: Matching the Product to the Need
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

CFP Credit Hours: 4.00

This class teaches suitability basics for life insurance and annuity products, including guidelines for gathering data and making recommendations. The class includes a survey of life insurance policy and annuity contracts, covering key characteristics and uses.

Today's Estate Planning Strategies
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

CFP Credit Hours: 4.00

This class will help financial practitioners understand and appreciate the need for estate planning. The program will cover estate planning goals and objectives, the roles of wills and trusts, estate transfer taxes and other costs, and the estate planning process. The material will focus particularly on techniques to help achieve clients’ goals and objectives.

Texas Annuity CE Course - 2011
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Annuities (4.0 Credit Hours)

This seminar is approved to meet the continuing education requirement for Texas producers selling annuities. Students get an overview of annuity products and their proper applications. The class covers the distinctions between fixed, variable, and equity-indexed annuities. It also focuses on making suitable recommendations in accordance with Texas law, the NAIC Suitability Model, and FINRA regulations.

2011 Texas Annuity Training Class (Initial Annuity Training)
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Cert-Annuity (4.0 Credit Hours)

This class satisfies the 4-hour initial annuity training requirement for Texas producers wishing to sell an annuity product.

Explore the structure and application of fixed, variable, and indexed annuities and how they can be used for wealth distribution and accumulation. Learn how to analyze the need for and appropriately apply annuities for accumulation and income purposes, match an appropriate annuity to a client’s needs, and identify and explain key contract elements of fixed, variable, and indexed annuities. The class addresses the NAIC Suitability in Annuity Transactions Model Regulation.

Keeping Business Legal and Ethical
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Ethics/Consumer Protection (2.0 Credit Hours)
General (2.0 Credit Hours)

CFP Credit Hours: 4.00

This class addresses the basics of the legal system, particularly as it relates to insurance: agency law, contract law, and tort law. The fundamental expectations of ethical behavior such as altruism, personal development, conscientious performance and keeping professional standards will also be discussed.

Keeping Business Legal and Ethical
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Ethics/Consumer Protection (2.0 Credit Hours)
General (2.0 Credit Hours)

CFP Credit Hours: 4.00

This class addresses the basics of the legal system, particularly as it relates to insurance: agency law, contract law, and tort law. The fundamental expectations of ethical behavior such as altruism, personal development, conscientious performance and keeping professional standards will also be discussed.

Suitability: Matching the Product to the Need
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

CFP Credit Hours: 4.00

This class teaches suitability basics for life insurance and annuity products, including guidelines for gathering data and making recommendations. The class includes a survey of life insurance policy and annuity contracts, covering key characteristics and uses.

IRAs Today: Products & Distributions
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

CFP Credit Hours: 2.00

Congress enacted a series of legislative acts that significantly enhanced the ability to use Individual Retirement Accounts (IRAs) as a source of additional funds for retirement. The objective of this class is to help participants understand the types of IRAs, identify the relevant tax issues, and apply the concepts in selecting the appropriate IRA vehicles for the client.

Texas Annuity CE Course - 2011
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Annuities (4.0 Credit Hours)

This seminar is approved to meet the continuing education requirement for Texas producers selling annuities. Students get an overview of annuity products and their proper applications. The class covers the distinctions between fixed, variable, and equity-indexed annuities. It also focuses on making suitable recommendations in accordance with Texas law, the NAIC Suitability Model, and FINRA regulations.

Suitability: Matching the Product to the Need
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

CFP Credit Hours: 4.00

This class teaches suitability basics for life insurance and annuity products, including guidelines for gathering data and making recommendations. The class includes a survey of life insurance policy and annuity contracts, covering key characteristics and uses.

Agents and Ethics
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Ethics/Consumer Protection (4.0 Credit Hours)

CFP Credit Hours: 4.00

This class presents the concept of ethics, how it relates to the sales and service of insurance, and how it creates the foundation for personal as well as professional success. The class sets the foundation by examining ethics as a moral and legal force. It then previews the ethical responsibilities agents owe to their insurers, their policyowners, their states, and the general public.

Today's Estate Planning Strategies
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

CFP Credit Hours: 4.00

This class will help financial practitioners understand and appreciate the need for estate planning. The program will cover estate planning goals and objectives, the roles of wills and trusts, estate transfer taxes and other costs, and the estate planning process. The material will focus particularly on techniques to help achieve clients’ goals and objectives.

2011 Texas Annuity Training Class (Initial Annuity Training)
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Cert-Annuity (4.0 Credit Hours)

This class satisfies the 4-hour initial annuity training requirement for Texas producers wishing to sell an annuity product.

Explore the structure and application of fixed, variable, and indexed annuities and how they can be used for wealth distribution and accumulation. Learn how to analyze the need for and appropriately apply annuities for accumulation and income purposes, match an appropriate annuity to a client’s needs, and identify and explain key contract elements of fixed, variable, and indexed annuities. The class addresses the NAIC Suitability in Annuity Transactions Model Regulation.

Medicare Supplements
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

The first half of this class offers a detailed review of original Medicare - specifically Part A and Part B. It describes both what is covered and what is excluded, also touching on claims. The second part of the class takes up Medigap policies and other Medicare options. The class concludes with a review of Medicaid, means testing and eligibility.

Ethics for Insurance and Financial Advisors
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Ethics/Consumer Protection (2.0 Credit Hours)
General (2.0 Credit Hours)

The class provides the foundation of knowledge and understanding that an individual needs to function ethically in his or her role as an insurance or financial services professional. The class will concentrate on the social, professional and legal aspects of ethics, discussing the concepts of ethics in general, and progress to how broad areas of ethical responsibility influence financial services professionals’ behavior.

Ethics for Insurance and Financial Advisors
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Ethics/Consumer Protection (2.0 Credit Hours)
General (2.0 Credit Hours)

The class provides the foundation of knowledge and understanding that an individual needs to function ethically in his or her role as an insurance or financial services professional. The class will concentrate on the social, professional and legal aspects of ethics, discussing the concepts of ethics in general, and progress to how broad areas of ethical responsibility influence financial services professionals’ behavior.

All About Annuities
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

This class explores the structure of fixed, variable and indexed annuities, and how to use the product’s unique characteristics for both wealth accumulation and distribution. The class helps producers make suitable recommendations in accordance with the NAIC annuity suitability model.

Group Insurance
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

This class helps insurance agents understand how group insurance works. It describes how group insurance and employee benefits serve both the employer and employees. It also addresses related sources of coverage such as Workers Compensation, as well as how other sources of insurance relate to group insurance plans.

Ethics for Insurance and Financial Advisors
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Ethics/Consumer Protection (2.0 Credit Hours)
General (2.0 Credit Hours)

The class provides the foundation of knowledge and understanding that an individual needs to function ethically in his or her role as an insurance or financial services professional. The class will concentrate on the social, professional and legal aspects of ethics, discussing the concepts of ethics in general, and progress to how broad areas of ethical responsibility influence financial services professionals’ behavior.

IRAs Today: Products & Distributions
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

CFP Credit Hours: 2.00

Congress enacted a series of legislative acts that significantly enhanced the ability to use Individual Retirement Accounts (IRAs) as a source of additional funds for retirement. The objective of this class is to help participants understand the types of IRAs, identify the relevant tax issues, and apply the concepts in selecting the appropriate IRA vehicles for the client.

Ethics for Insurance and Financial Advisors
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Ethics/Consumer Protection (2.0 Credit Hours)
General (2.0 Credit Hours)

The class provides the foundation of knowledge and understanding that an individual needs to function ethically in his or her role as an insurance or financial services professional. The class will concentrate on the social, professional and legal aspects of ethics, discussing the concepts of ethics in general, and progress to how broad areas of ethical responsibility influence financial services professionals’ behavior.

Medicare Supplements
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

The first half of this class offers a detailed review of original Medicare - specifically Part A and Part B. It describes both what is covered and what is excluded, also touching on claims. The second part of the class takes up Medigap policies and other Medicare options. The class concludes with a review of Medicaid, means testing and eligibility.

Recognizing the Signs of Insurance Fraud
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

This class addresses the issue of fraud across the major lines of insurance, and helps students understand the impact of fraud and the role that they, as insurance professionals, can play a part in addressing it. Students learn both by examining general patterns and specific cases of insurance fraud.

Ethics for Insurance and Financial Advisors
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Ethics/Consumer Protection (2.0 Credit Hours)
General (2.0 Credit Hours)

The class provides the foundation of knowledge and understanding that an individual needs to function ethically in his or her role as an insurance or financial services professional. The class will concentrate on the social, professional and legal aspects of ethics, discussing the concepts of ethics in general, and progress to how broad areas of ethical responsibility influence financial services professionals’ behavior.

Ethics for Insurance and Financial Advisors
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Ethics/Consumer Protection (2.0 Credit Hours)
General (2.0 Credit Hours)

The class provides the foundation of knowledge and understanding that an individual needs to function ethically in his or her role as an insurance or financial services professional. The class will concentrate on the social, professional and legal aspects of ethics, discussing the concepts of ethics in general, and progress to how broad areas of ethical responsibility influence financial services professionals’ behavior.

2011 Texas Annuity Training Class (Initial Annuity Training)
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Cert-Annuity (4.0 Credit Hours)

This class satisfies the 4-hour initial annuity training requirement for Texas producers wishing to sell an annuity product.

Explore the structure and application of fixed, variable, and indexed annuities and how they can be used for wealth distribution and accumulation. Learn how to analyze the need for and appropriately apply annuities for accumulation and income purposes, match an appropriate annuity to a client’s needs, and identify and explain key contract elements of fixed, variable, and indexed annuities. The class addresses the NAIC Suitability in Annuity Transactions Model Regulation.

Ethics for Insurance and Financial Advisors
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Ethics/Consumer Protection (2.0 Credit Hours)
General (2.0 Credit Hours)

The class provides the foundation of knowledge and understanding that an individual needs to function ethically in his or her role as an insurance or financial services professional. The class will concentrate on the social, professional and legal aspects of ethics, discussing the concepts of ethics in general, and progress to how broad areas of ethical responsibility influence financial services professionals’ behavior.

Ethics for Insurance and Financial Advisors
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Ethics/Consumer Protection (2.0 Credit Hours)
General (2.0 Credit Hours)

The class provides the foundation of knowledge and understanding that an individual needs to function ethically in his or her role as an insurance or financial services professional. The class will concentrate on the social, professional and legal aspects of ethics, discussing the concepts of ethics in general, and progress to how broad areas of ethical responsibility influence financial services professionals’ behavior.

Succession Planning: Preserving the Value in Small Business
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

This class helps participants understand the importance of succession planning for small businesses. The parties affected and the respective consequences to each from the failure to establish a succession plan are discussed. It also examines methods for valuing a small business and planning alternatives. Students will learn the implications of retaining a family business versus transferring it to other owners or employees.

Tearing Apart the Insurance Policy
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

CFP Credit Hours: 4.00

This class describes policy content and formation. Participants learn how to read the policy declarations, insuring agreement, conditions, and exclusions. Students will understand the insured’s responsibilities after a loss and important topics at the time of a claim, such as salvage, subrogation, and settling disputed claims.

Tearing Apart Homeowners Policy
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

This class takes students through the details of the homeowners form, including property and liability coverages and key endorsements. Differences among various homeowner forms are compared based on what they cover and when they apply. The insured’s reponsibilities at the time of loss, and other information needed at the time of claim, are also described.

Tearing Apart the Automobile Policy
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

This class takes the student through the details of an automobile insurance policy based on the ISO form. It reviews key policy elements such as liability coverage, medical payments, uninsured/underinsured motorist provisions, coverage for direct physical damage, and key endorsements. Students will also understand the insured’s responsibilities when a loss occurs.

Group Insurance
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

This class helps insurance agents understand how group insurance works. It describes how group insurance and employee benefits serve both the employer and employees. It also addresses related sources of coverage such as Workers Compensation, as well as how other sources of insurance relate to group insurance plans.

Agents and Ethics
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Ethics/Consumer Protection (4.0 Credit Hours)

CFP Credit Hours: 4.00

This class presents the concept of ethics, how it relates to the sales and service of insurance, and how it creates the foundation for personal as well as professional success. The class sets the foundation by examining ethics as a moral and legal force. It then previews the ethical responsibilities agents owe to their insurers, their policyowners, their states, and the general public.

Ethics and Regulation in the Insurance Industry
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Ethics/Consumer Protection (2.0 Credit Hours)
General (2.0 Credit Hours)

This class covers the basics of industry regulation and the principles of ethical market conduct. It begins by reviewing industry regulations, and continues by examining agent responsibilities toward carriers. The focus then shifts to an agent’s responsibilities to clients, prospects, and the public. The class ends by discussing the elements of ethical decision making and actions.

Ethics and Regulation in the Insurance Industry
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Ethics/Consumer Protection (2.0 Credit Hours)
General (2.0 Credit Hours)

This class covers the basics of industry regulation and the principles of ethical market conduct. It begins by reviewing industry regulations, and continues by examining agent responsibilities toward carriers. The focus then shifts to an agent’s responsibilities to clients, prospects, and the public. The class ends by discussing the elements of ethical decision making and actions.

Covering Business Liability Exposure
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

This class is designed to give the insurance agents a review of the commercial general liability contract. It includes discussion of both occurrence and claims-made forms.

Ethics and Regulation in the Insurance Industry
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Ethics/Consumer Protection (2.0 Credit Hours)
General (2.0 Credit Hours)

This class covers the basics of industry regulation and the principles of ethical market conduct. It begins by reviewing industry regulations, and continues by examining agent responsibilities toward carriers. The focus then shifts to an agent’s responsibilities to clients, prospects, and the public. The class ends by discussing the elements of ethical decision making and actions.

Ethics and Regulation in the Insurance Industry
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Ethics/Consumer Protection (2.0 Credit Hours)
General (2.0 Credit Hours)

This class covers the basics of industry regulation and the principles of ethical market conduct. It begins by reviewing industry regulations, and continues by examining agent responsibilities toward carriers. The focus then shifts to an agent’s responsibilities to clients, prospects, and the public. The class ends by discussing the elements of ethical decision making and actions.

Realistic Retirement Planning
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

This is a broad-based retirement planning class covering planning elements such as client needs and expectations, income needs analysis, financial product uses and application, retirement funding vehicles, Social Security, serving the retiree’s health care needs, and wealth distribution.

Social Security 2010 and Beyond
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

CFP Credit Hours: 4.00

This class offers an overview of the Social Security program. It looks back on the history of the program since its beginning, as well as the current program. Topics include the taxes we pay for its maintenance and the potential for taxation of benefits. We also discuss survivor benefits, and family limits. The class also touches on Medicare and the outlook for the future.

Tearing Apart Homeowners Policy
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

This class takes students through the details of the homeowners form, including property and liability coverages and key endorsements. Differences among various homeowner forms are compared based on what they cover and when they apply. The insured’s reponsibilities at the time of loss, and other information needed at the time of claim, are also described.

2011 Texas Annuity Training Class (Initial Annuity Training)
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Cert-Annuity (4.0 Credit Hours)

This class satisfies the 4-hour initial annuity training requirement for Texas producers wishing to sell an annuity product.

Explore the structure and application of fixed, variable, and indexed annuities and how they can be used for wealth distribution and accumulation. Learn how to analyze the need for and appropriately apply annuities for accumulation and income purposes, match an appropriate annuity to a client’s needs, and identify and explain key contract elements of fixed, variable, and indexed annuities. The class addresses the NAIC Suitability in Annuity Transactions Model Regulation.

Tearing Apart the Automobile Policy
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

This class takes the student through the details of an automobile insurance policy based on the ISO form. It reviews key policy elements such as liability coverage, medical payments, uninsured/underinsured motorist provisions, coverage for direct physical damage, and key endorsements. Students will also understand the insured’s responsibilities when a loss occurs.

Today's Estate Planning Strategies
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

CFP Credit Hours: 4.00

This class will help financial practitioners understand and appreciate the need for estate planning. The program will cover estate planning goals and objectives, the roles of wills and trusts, estate transfer taxes and other costs, and the estate planning process. The material will focus particularly on techniques to help achieve clients’ goals and objectives.

2011 Texas Annuity Training Class (Initial Annuity Training)
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Cert-Annuity (4.0 Credit Hours)

This class satisfies the 4-hour initial annuity training requirement for Texas producers wishing to sell an annuity product.

Explore the structure and application of fixed, variable, and indexed annuities and how they can be used for wealth distribution and accumulation. Learn how to analyze the need for and appropriately apply annuities for accumulation and income purposes, match an appropriate annuity to a client’s needs, and identify and explain key contract elements of fixed, variable, and indexed annuities. The class addresses the NAIC Suitability in Annuity Transactions Model Regulation.

2011 Texas Annuity Training Class (Initial Annuity Training)
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Cert-Annuity (4.0 Credit Hours)

This class satisfies the 4-hour initial annuity training requirement for Texas producers wishing to sell an annuity product.

Explore the structure and application of fixed, variable, and indexed annuities and how they can be used for wealth distribution and accumulation. Learn how to analyze the need for and appropriately apply annuities for accumulation and income purposes, match an appropriate annuity to a client’s needs, and identify and explain key contract elements of fixed, variable, and indexed annuities. The class addresses the NAIC Suitability in Annuity Transactions Model Regulation.

Tearing Apart the Insurance Policy
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

CFP Credit Hours: 4.00

This class describes policy content and formation. Participants learn how to read the policy declarations, insuring agreement, conditions, and exclusions. Students will understand the insured’s responsibilities after a loss and important topics at the time of a claim, such as salvage, subrogation, and settling disputed claims.

Texas 8-hour Medicare Product Certification Class
Total Credit Hours: 8.0

Credit hours apply to all of the following:
Cert-Medicare Related (8.0 Credit Hours)

This course reviews Medicare Parts A, B, and D, Medicare Supplement Plans, and Medicare Advantage Plans. The course compares and contrasts two areas: traditional Medicare and Medicare Advantage, and Medicare and Medicaid. Topics related specifically to Medicare-related products are reviewed including state and federal regulations regarding marketing standards and illegal insurance practices, topics related to the suitability of sales of Medicare-related products, and fraudulent and unfair trade practices regarding the sale of Medicare-related products.

Suitability: Matching the Product to the Need
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

CFP Credit Hours: 4.00

This class teaches suitability basics for life insurance and annuity products, including guidelines for gathering data and making recommendations. The class includes a survey of life insurance policy and annuity contracts, covering key characteristics and uses.

Covering Business Liability Exposure
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

This class is designed to give the insurance agents a review of the commercial general liability contract. It includes discussion of both occurrence and claims-made forms.

Ethics and Regulation in the Insurance Industry
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Ethics/Consumer Protection (2.0 Credit Hours)
General (2.0 Credit Hours)

This class covers the basics of industry regulation and the principles of ethical market conduct. It begins by reviewing industry regulations, and continues by examining agent responsibilities toward carriers. The focus then shifts to an agent’s responsibilities to clients, prospects, and the public. The class ends by discussing the elements of ethical decision making and actions.

Suitability: Matching the Product to the Need
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

CFP Credit Hours: 4.00

This class teaches suitability basics for life insurance and annuity products, including guidelines for gathering data and making recommendations. The class includes a survey of life insurance policy and annuity contracts, covering key characteristics and uses.

Agents and Ethics
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Ethics/Consumer Protection (4.0 Credit Hours)

CFP Credit Hours: 4.00

This class presents the concept of ethics, how it relates to the sales and service of insurance, and how it creates the foundation for personal as well as professional success. The class sets the foundation by examining ethics as a moral and legal force. It then previews the ethical responsibilities agents owe to their insurers, their policyowners, their states, and the general public.

Realistic Retirement Planning
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

This is a broad-based retirement planning class covering planning elements such as client needs and expectations, income needs analysis, financial product uses and application, retirement funding vehicles, Social Security, serving the retiree’s health care needs, and wealth distribution.

Ethics for Insurance and Financial Advisors
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Ethics/Consumer Protection (2.0 Credit Hours)
General (2.0 Credit Hours)

The class provides the foundation of knowledge and understanding that an individual needs to function ethically in his or her role as an insurance or financial services professional. The class will concentrate on the social, professional and legal aspects of ethics, discussing the concepts of ethics in general, and progress to how broad areas of ethical responsibility influence financial services professionals’ behavior.

Ethics for Insurance and Financial Advisors
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Ethics/Consumer Protection (2.0 Credit Hours)
General (2.0 Credit Hours)

The class provides the foundation of knowledge and understanding that an individual needs to function ethically in his or her role as an insurance or financial services professional. The class will concentrate on the social, professional and legal aspects of ethics, discussing the concepts of ethics in general, and progress to how broad areas of ethical responsibility influence financial services professionals’ behavior.

Ethics and Regulation in the Insurance Industry
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Ethics/Consumer Protection (2.0 Credit Hours)
General (2.0 Credit Hours)

This class covers the basics of industry regulation and the principles of ethical market conduct. It begins by reviewing industry regulations, and continues by examining agent responsibilities toward carriers. The focus then shifts to an agent’s responsibilities to clients, prospects, and the public. The class ends by discussing the elements of ethical decision making and actions.

2011 Texas Annuity Training Class (Initial Annuity Training)
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Cert-Annuity (4.0 Credit Hours)

This class satisfies the 4-hour initial annuity training requirement for Texas producers wishing to sell an annuity product.

Explore the structure and application of fixed, variable, and indexed annuities and how they can be used for wealth distribution and accumulation. Learn how to analyze the need for and appropriately apply annuities for accumulation and income purposes, match an appropriate annuity to a client’s needs, and identify and explain key contract elements of fixed, variable, and indexed annuities. The class addresses the NAIC Suitability in Annuity Transactions Model Regulation.

Tearing Apart the Automobile Policy
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

This class takes the student through the details of an automobile insurance policy based on the ISO form. It reviews key policy elements such as liability coverage, medical payments, uninsured/underinsured motorist provisions, coverage for direct physical damage, and key endorsements. Students will also understand the insured’s responsibilities when a loss occurs.

Today's Estate Planning Strategies
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

CFP Credit Hours: 4.00

This class will help financial practitioners understand and appreciate the need for estate planning. The program will cover estate planning goals and objectives, the roles of wills and trusts, estate transfer taxes and other costs, and the estate planning process. The material will focus particularly on techniques to help achieve clients’ goals and objectives.

2011 Texas Annuity Training Class (Initial Annuity Training)
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Cert-Annuity (4.0 Credit Hours)

This class satisfies the 4-hour initial annuity training requirement for Texas producers wishing to sell an annuity product.

Explore the structure and application of fixed, variable, and indexed annuities and how they can be used for wealth distribution and accumulation. Learn how to analyze the need for and appropriately apply annuities for accumulation and income purposes, match an appropriate annuity to a client’s needs, and identify and explain key contract elements of fixed, variable, and indexed annuities. The class addresses the NAIC Suitability in Annuity Transactions Model Regulation.

Long-Term Care Partnership 4-Hour Refresher
Total Credit Hours: 4.0

Credit hours apply to all of the following:
CE-Cert-LTC-Partnership (4.0 Credit Hours)

This class updates agents on the long-term care (LTC) field, partnerships, and LTC policies. It defines the various types of LTC settings and their services. The differences between tax-qualified and non-tax-qualified plans are described. Policy provisions and benefit options are delineated. The class also covers Medicaid and Medicare.

Suitability: Matching the Product to the Need
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

CFP Credit Hours: 4.00

This class teaches suitability basics for life insurance and annuity products, including guidelines for gathering data and making recommendations. The class includes a survey of life insurance policy and annuity contracts, covering key characteristics and uses.

Tearing Apart Homeowners Policy
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

This class takes students through the details of the homeowners form, including property and liability coverages and key endorsements. Differences among various homeowner forms are compared based on what they cover and when they apply. The insured’s reponsibilities at the time of loss, and other information needed at the time of claim, are also described.

Keeping Business Legal and Ethical
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Ethics/Consumer Protection (2.0 Credit Hours)
General (2.0 Credit Hours)

CFP Credit Hours: 4.00

This class addresses the basics of the legal system, particularly as it relates to insurance: agency law, contract law, and tort law. The fundamental expectations of ethical behavior such as altruism, personal development, conscientious performance and keeping professional standards will also be discussed.

Keeping Business Legal and Ethical
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Ethics/Consumer Protection (2.0 Credit Hours)
General (2.0 Credit Hours)

CFP Credit Hours: 4.00

This class addresses the basics of the legal system, particularly as it relates to insurance: agency law, contract law, and tort law. The fundamental expectations of ethical behavior such as altruism, personal development, conscientious performance and keeping professional standards will also be discussed.

Keeping Business Legal and Ethical
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Ethics/Consumer Protection (2.0 Credit Hours)
General (2.0 Credit Hours)

CFP Credit Hours: 4.00

This class addresses the basics of the legal system, particularly as it relates to insurance: agency law, contract law, and tort law. The fundamental expectations of ethical behavior such as altruism, personal development, conscientious performance and keeping professional standards will also be discussed.

Keeping Business Legal and Ethical
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Ethics/Consumer Protection (2.0 Credit Hours)
General (2.0 Credit Hours)

CFP Credit Hours: 4.00

This class addresses the basics of the legal system, particularly as it relates to insurance: agency law, contract law, and tort law. The fundamental expectations of ethical behavior such as altruism, personal development, conscientious performance and keeping professional standards will also be discussed.

Covering Business Liability Exposure
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

This class is designed to give the insurance agents a review of the commercial general liability contract. It includes discussion of both occurrence and claims-made forms.

Group Insurance
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

This class helps insurance agents understand how group insurance works. It describes how group insurance and employee benefits serve both the employer and employees. It also addresses related sources of coverage such as Workers Compensation, as well as how other sources of insurance relate to group insurance plans.

Social Security 2010 and Beyond
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

CFP Credit Hours: 4.00

This class offers an overview of the Social Security program. It looks back on the history of the program since its beginning, as well as the current program. Topics include the taxes we pay for its maintenance and the potential for taxation of benefits. We also discuss survivor benefits, and family limits. The class also touches on Medicare and the outlook for the future.

Agents and Ethics
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Ethics/Consumer Protection (4.0 Credit Hours)

CFP Credit Hours: 4.00

This class presents the concept of ethics, how it relates to the sales and service of insurance, and how it creates the foundation for personal as well as professional success. The class sets the foundation by examining ethics as a moral and legal force. It then previews the ethical responsibilities agents owe to their insurers, their policyowners, their states, and the general public.

Group Insurance
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

This class helps insurance agents understand how group insurance works. It describes how group insurance and employee benefits serve both the employer and employees. It also addresses related sources of coverage such as Workers Compensation, as well as how other sources of insurance relate to group insurance plans.

2011 Texas Annuity Training Class (Initial Annuity Training)
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Cert-Annuity (4.0 Credit Hours)

This class satisfies the 4-hour initial annuity training requirement for Texas producers wishing to sell an annuity product.

Explore the structure and application of fixed, variable, and indexed annuities and how they can be used for wealth distribution and accumulation. Learn how to analyze the need for and appropriately apply annuities for accumulation and income purposes, match an appropriate annuity to a client’s needs, and identify and explain key contract elements of fixed, variable, and indexed annuities. The class addresses the NAIC Suitability in Annuity Transactions Model Regulation.

Social Security 2010 and Beyond
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

CFP Credit Hours: 4.00

This class offers an overview of the Social Security program. It looks back on the history of the program since its beginning, as well as the current program. Topics include the taxes we pay for its maintenance and the potential for taxation of benefits. We also discuss survivor benefits, and family limits. The class also touches on Medicare and the outlook for the future.

Agents and Ethics
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Ethics/Consumer Protection (4.0 Credit Hours)

CFP Credit Hours: 4.00

This class presents the concept of ethics, how it relates to the sales and service of insurance, and how it creates the foundation for personal as well as professional success. The class sets the foundation by examining ethics as a moral and legal force. It then previews the ethical responsibilities agents owe to their insurers, their policyowners, their states, and the general public.

Medicare Supplements
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

The first half of this class offers a detailed review of original Medicare - specifically Part A and Part B. It describes both what is covered and what is excluded, also touching on claims. The second part of the class takes up Medigap policies and other Medicare options. The class concludes with a review of Medicaid, means testing and eligibility.

Texas Annuity CE Course - 2011
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Annuities (4.0 Credit Hours)

This seminar is approved to meet the continuing education requirement for Texas producers selling annuities. Students get an overview of annuity products and their proper applications. The class covers the distinctions between fixed, variable, and equity-indexed annuities. It also focuses on making suitable recommendations in accordance with Texas law, the NAIC Suitability Model, and FINRA regulations.

Agents and Ethics
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Ethics/Consumer Protection (4.0 Credit Hours)

CFP Credit Hours: 4.00

This class presents the concept of ethics, how it relates to the sales and service of insurance, and how it creates the foundation for personal as well as professional success. The class sets the foundation by examining ethics as a moral and legal force. It then previews the ethical responsibilities agents owe to their insurers, their policyowners, their states, and the general public.

Medicare Supplements
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

The first half of this class offers a detailed review of original Medicare - specifically Part A and Part B. It describes both what is covered and what is excluded, also touching on claims. The second part of the class takes up Medigap policies and other Medicare options. The class concludes with a review of Medicaid, means testing and eligibility.

Ethics for Insurance and Financial Advisors
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Ethics/Consumer Protection (2.0 Credit Hours)
General (2.0 Credit Hours)

The class provides the foundation of knowledge and understanding that an individual needs to function ethically in his or her role as an insurance or financial services professional. The class will concentrate on the social, professional and legal aspects of ethics, discussing the concepts of ethics in general, and progress to how broad areas of ethical responsibility influence financial services professionals’ behavior.

Long-Term Care Partnership 4-Hour Refresher
Total Credit Hours: 4.0

Credit hours apply to all of the following:
CE-Cert-LTC-Partnership (4.0 Credit Hours)

This class updates agents on the long-term care (LTC) field, partnerships, and LTC policies. It defines the various types of LTC settings and their services. The differences between tax-qualified and non-tax-qualified plans are described. Policy provisions and benefit options are delineated. The class also covers Medicaid and Medicare.

Ethics for Insurance and Financial Advisors
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Ethics/Consumer Protection (2.0 Credit Hours)
General (2.0 Credit Hours)

The class provides the foundation of knowledge and understanding that an individual needs to function ethically in his or her role as an insurance or financial services professional. The class will concentrate on the social, professional and legal aspects of ethics, discussing the concepts of ethics in general, and progress to how broad areas of ethical responsibility influence financial services professionals’ behavior.

Texas Annuity CE Course - 2011
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Annuities (4.0 Credit Hours)

This seminar is approved to meet the continuing education requirement for Texas producers selling annuities. Students get an overview of annuity products and their proper applications. The class covers the distinctions between fixed, variable, and equity-indexed annuities. It also focuses on making suitable recommendations in accordance with Texas law, the NAIC Suitability Model, and FINRA regulations.

Suitability: Matching the Product to the Need
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

CFP Credit Hours: 4.00

This class teaches suitability basics for life insurance and annuity products, including guidelines for gathering data and making recommendations. The class includes a survey of life insurance policy and annuity contracts, covering key characteristics and uses.

Ethics for Insurance and Financial Advisors
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Ethics/Consumer Protection (2.0 Credit Hours)
General (2.0 Credit Hours)

The class provides the foundation of knowledge and understanding that an individual needs to function ethically in his or her role as an insurance or financial services professional. The class will concentrate on the social, professional and legal aspects of ethics, discussing the concepts of ethics in general, and progress to how broad areas of ethical responsibility influence financial services professionals’ behavior.

Ethics for Insurance and Financial Advisors
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Ethics/Consumer Protection (2.0 Credit Hours)
General (2.0 Credit Hours)

The class provides the foundation of knowledge and understanding that an individual needs to function ethically in his or her role as an insurance or financial services professional. The class will concentrate on the social, professional and legal aspects of ethics, discussing the concepts of ethics in general, and progress to how broad areas of ethical responsibility influence financial services professionals’ behavior.

Keeping Business Legal and Ethical
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Ethics/Consumer Protection (2.0 Credit Hours)
General (2.0 Credit Hours)

CFP Credit Hours: 4.00

This class addresses the basics of the legal system, particularly as it relates to insurance: agency law, contract law, and tort law. The fundamental expectations of ethical behavior such as altruism, personal development, conscientious performance and keeping professional standards will also be discussed.

Tearing Apart the Insurance Policy
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

CFP Credit Hours: 4.00

This class describes policy content and formation. Participants learn how to read the policy declarations, insuring agreement, conditions, and exclusions. Students will understand the insured’s responsibilities after a loss and important topics at the time of a claim, such as salvage, subrogation, and settling disputed claims.

Insurance Planning for Seniors
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

CFP Credit Hours: 4.00

This class gives students the knowledge necessary to help clients manage their post-retirement financial plans, including understanding the financial concerns facing retirees. Topics include long-term care, Medicare and asset distribution.

Keeping Business Legal and Ethical
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Ethics/Consumer Protection (2.0 Credit Hours)
General (2.0 Credit Hours)

CFP Credit Hours: 4.00

This class addresses the basics of the legal system, particularly as it relates to insurance: agency law, contract law, and tort law. The fundamental expectations of ethical behavior such as altruism, personal development, conscientious performance and keeping professional standards will also be discussed.

2011 Texas Annuity Training Class (Initial Annuity Training)
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Cert-Annuity (4.0 Credit Hours)

This class satisfies the 4-hour initial annuity training requirement for Texas producers wishing to sell an annuity product.

Explore the structure and application of fixed, variable, and indexed annuities and how they can be used for wealth distribution and accumulation. Learn how to analyze the need for and appropriately apply annuities for accumulation and income purposes, match an appropriate annuity to a client’s needs, and identify and explain key contract elements of fixed, variable, and indexed annuities. The class addresses the NAIC Suitability in Annuity Transactions Model Regulation.

Insurance Planning for Seniors
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

CFP Credit Hours: 4.00

This class gives students the knowledge necessary to help clients manage their post-retirement financial plans, including understanding the financial concerns facing retirees. Topics include long-term care, Medicare and asset distribution.

Long-Term Care Partnership 4-Hour Refresher
Total Credit Hours: 4.0

Credit hours apply to all of the following:
CE-Cert-LTC-Partnership (4.0 Credit Hours)

This class updates agents on the long-term care (LTC) field, partnerships, and LTC policies. It defines the various types of LTC settings and their services. The differences between tax-qualified and non-tax-qualified plans are described. Policy provisions and benefit options are delineated. The class also covers Medicaid and Medicare.

IRAs Today: Products & Distributions
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

CFP Credit Hours: 2.00

Congress enacted a series of legislative acts that significantly enhanced the ability to use Individual Retirement Accounts (IRAs) as a source of additional funds for retirement. The objective of this class is to help participants understand the types of IRAs, identify the relevant tax issues, and apply the concepts in selecting the appropriate IRA vehicles for the client.

Commercial Property Principles
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

CFP Credit Hours: 4.00

This is an introductory class on commercial property coverage. The class covers standardized forms, definitions of specific contract terminology and issues that commercial property owners face. Emphasis is placed on recognizing situations where coverage can be enhanced by use of endorsements.

Keeping Business Legal and Ethical
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Ethics/Consumer Protection (2.0 Credit Hours)
General (2.0 Credit Hours)

CFP Credit Hours: 4.00

This class addresses the basics of the legal system, particularly as it relates to insurance: agency law, contract law, and tort law. The fundamental expectations of ethical behavior such as altruism, personal development, conscientious performance and keeping professional standards will also be discussed.

2011 Texas Annuity Training Class (Initial Annuity Training)
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Cert-Annuity (4.0 Credit Hours)

This class satisfies the 4-hour initial annuity training requirement for Texas producers wishing to sell an annuity product.

Explore the structure and application of fixed, variable, and indexed annuities and how they can be used for wealth distribution and accumulation. Learn how to analyze the need for and appropriately apply annuities for accumulation and income purposes, match an appropriate annuity to a client’s needs, and identify and explain key contract elements of fixed, variable, and indexed annuities. The class addresses the NAIC Suitability in Annuity Transactions Model Regulation.

Commercial General Liability
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

This in-depth review offers a clear, concise, yet detailed explanation of the CGL policy. It provides a thorough understanding of all aspects of the coverage and exclusions. Real-life applications illustrate concepts.

Keeping Business Legal and Ethical
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Ethics/Consumer Protection (2.0 Credit Hours)
General (2.0 Credit Hours)

CFP Credit Hours: 4.00

This class addresses the basics of the legal system, particularly as it relates to insurance: agency law, contract law, and tort law. The fundamental expectations of ethical behavior such as altruism, personal development, conscientious performance and keeping professional standards will also be discussed.

Ethics and Regulation in the Insurance Industry
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Ethics/Consumer Protection (2.0 Credit Hours)
General (2.0 Credit Hours)

This class covers the basics of industry regulation and the principles of ethical market conduct. It begins by reviewing industry regulations, and continues by examining agent responsibilities toward carriers. The focus then shifts to an agent’s responsibilities to clients, prospects, and the public. The class ends by discussing the elements of ethical decision making and actions.

Commercial General Liability
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

This in-depth review offers a clear, concise, yet detailed explanation of the CGL policy. It provides a thorough understanding of all aspects of the coverage and exclusions. Real-life applications illustrate concepts.

Tearing Apart the Insurance Policy
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

CFP Credit Hours: 4.00

This class describes policy content and formation. Participants learn how to read the policy declarations, insuring agreement, conditions, and exclusions. Students will understand the insured’s responsibilities after a loss and important topics at the time of a claim, such as salvage, subrogation, and settling disputed claims.

Ethics and Regulation in the Insurance Industry
Total Credit Hours: 4.0

Credit hours apply to all of the following:
Ethics/Consumer Protection (2.0 Credit Hours)
General (2.0 Credit Hours)

This class covers the basics of industry regulation and the principles of ethical market conduct. It begins by reviewing industry regulations, and continues by examining agent responsibilities toward carriers. The focus then shifts to an agent’s responsibilities to clients, prospects, and the public. The class ends by discussing the elements of ethical decision making and actions.

Commercial Property Principles
Total Credit Hours: 4.0

Credit hours apply to all of the following:
General (4.0 Credit Hours)

CFP Credit Hours: 4.00

This is an introductory class on commercial property coverage. The class covers standardized forms, definitions of specific contract terminology and issues that commercial property owners face. Emphasis is placed on recognizing situations where coverage can be enhanced by use of endorsements.