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Commercial property insurance protects businesses against loss. With commercial property insurance, losing a major piece of property won’t mean the end of the business—protecting commerce as well as jobs. As a commercial lines agent selling property insurance, you play a major role in helping companies protect their assets—and the economy as a whole. -
HIPAA: The Significant Provisions examines the Health Insurance Portability and Accountability Act. It begins with a consideration of the genesis of its provisions in the National Uniform Billing Committee and in earlier attempts to impose healthcare reform. The course discusses the changes made in both group health insurance plans and individual health insurance plans with respect to the imposition of pre-existing conditions exclusions and the insurer’s ability to decline to offer coverage. -
Accordingly, the course provides information concerning the rules applicable to the ability of a group health plan or a health insurer offering group or individual health insurance coverage to exclude coverage for pre-existing conditions and the effective dates of such rules. In addition, the course discusses the rules governing the ability of a group health plan or a health insurer offering group or individual health insurance coverage to impose dollar limits on essential health benefits. The limited ability of a group health plan or health insurer offering group or individual health insurance coverage to rescind such coverage is also addressed. -
As an insurance agent selling homeowners insurance in the state of California, you play a vital role in protecting the residents of our state from the financial fall-out that results from the loss of a home. California is home to almost 38 million people — and with its beautiful weather, gorgeous beaches, stunning mountain landscapes, and excellent quality of life, it’s no wonder so many choose to live here. But there are some drawbacks to living in the Sunshine State — chief among them, natural disasters. -
Individual Retirement Accounts examines the rules governing traditional and Roth IRAs, Education IRAs (now called Coverdell Education Savings Accounts), simplified employee pensions and SIMPLEs. With respect to traditional IRAs, the course considers the issues of eligibility, contribution limits and investment vehicles. Tax treatment of traditional IRA funds is discussed, including the treatment of contributions, accumulations, transfers and distributions. -
This comprehensive course offers an overview and concise discussion of a wide range of insurance issues – from regulation and the business of insurance to specific products and policies. A lesson in ethics is delivered throughout the course in the form of short story examples featuring two fictional agents. Some of the products covered are life, health, disability, property, auto, workers’ compensation, commercial property and farmowners. -
White-collar crime and insurance fraud pose significant financial and reputational risks to individuals, businesses, and the insurance industry. Understanding the nature of these crimes, their legal consequences, and methods for prevention is crucial for insurance professionals. This course provides a comprehensive analysis of various white-collar crimes, including mail and wire fraud, money laundering, and tax evasion, with a specific focus on insurance fraud. -
This course provides a comprehensive exploration of the complexities surrounding life insurance policies, claims processes, and associated legal and financial considerations. It delves into topics such as insurable interest, misrepresentation in applications, settlement options, accelerated benefits, and tax implications, equipping participants with the knowledge to navigate and manage life insurance claims effectively. By addressing key scenarios like beneficiary disputes, fraud detection, and estate tax inclusion, the course fosters a deeper understanding of how life insurance operates within broader legal and economic frameworks. -
Life insurance provides a valuable safety net to millions of families throughout the US—protecting them from financial disaster in the event of the loss of a loved one. As a Life and Health insurance producer, you give your insureds the peace of mind that comes with knowing their families will be protected in the event of tragedy. This course gives you in-depth information about life insurance—how it works, typical policy provisions, and laws and regulations affecting its sale and operation. -
You gain a deeper perspective on how underwriting decisions shape life insurance coverage and claims handling. This course sharpens your ability to identify and assess insurable interest, interpret policy clauses, and recognize the implications of misrepresentation, moral hazards, and adverse selection. You’ll better understand how underwriters determine risk classifications, apply mortality data, and use premium determination formulas to maintain the insurer’s solvency and fairness in pricing. -
Together, life and health insurance are a huge part of the insurance industry as a whole—and a key part of our society’s safety net. As an insurance agent, you’ll sell life and health insurance to businesses large and small as well as individuals. Life and health insurance sales can be highly rewarding—and profitable. -
This course provides an in-depth examination of the Affordable Care Act's (ACA) impact on Medicare and Medicaid, focusing on reforms and policy adjustments aimed at improving efficiency and quality in healthcare. It covers the key changes in Medicare, including payment adjustments linked to quality outcomes, as well as modifications to Medicaid aimed at expanding access and enhancing service delivery. The course also includes essential legal and procedural updates that affect healthcare professionals working within the Medicare and Medicaid frameworks, particularly in areas such as hospital value-based purchasing and physician reporting systems.

