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Long Term Care Made Simple
The number of aging Americans is growing—and as the population grows, so will the need for long-term care....$19.95
The number of aging Americans is growing—and as the population grows, so will the need for long-term care. Finding coverage for long-term care in America is problematic, however—Medicare and private insurance companies all have significant gaps that Long-Term Care insurance policies are designed to cover. As an agent or producer selling Long-Term Care insurance, the stakes are high.
Standard personal lines insurance is supposed to protect owners of homes, automobiles, watercraft, and other assets in case of loss or costly damage. But the standard liability policy is sometimes not enough coverage—leaving insureds exposed to serious risk. That’s where an umbrella policy comes in—it provides excess liability coverage to cover large losses and risks excluded by standard policies.
Long Term Care Ongoing Training considers the nature of long term care, the forms in which it may be delivered, the risk of needing such care, the costs of long term care, the sources available to pay long term care costs and the features of long term care insurance. It is intended to meet the four-hour long-term care training requirement to enable an agent to sell long term care insurance.
Mold is a subset of fungus (so, a sort of genetic “cousin” to mushrooms) that can grow on almost any substance, as long as water, oxygen and some form of organic nutrient are present. There are thousands of different types of mold and humans normally encounter them every day. There are many different species of mold that grow in homes, office buildings, and other places where people live and work.
Auto insurance is a multi-billion dollar industry in the US. Everyone who has a car needs coverage—and that’s where you come in. As an insurance agent selling auto insurance, you’ll provide the in-depth expertise needed to help clients choose the right policy—and handle any issues and claims that arise.
Insurance agents are in the asset protection business. And for most agents, risk management and protection is a big part of the job. But no insurance policy is airtight.
Many insurance companies are in business to protect business. Insurance is crucial to the economy as a whole—ensuring companies can keep going after a natural disaster, employee fraud, damage to expensive equipment, or other unexpected events. As an agent selling business insurance, you’ll need to know exactly where the vulnerabilities are—and how businesses can best protect their valuable assets.
California 2025 4hr Annuity Training
This course is designed to meet the ongoing annuity training requirements of California Senate Bill SB 263. The...$19.95This course is designed to meet the ongoing annuity training requirements of California Senate Bill SB 263. The law requires life licensees who sell annuity products to satisfactorily complete four hours of annuity training every two years prior to their license renewal. The course examines the suitability and best interest standard effective January 1, 2025 applicable to annuity sales and recommendations.
Insurance professionals are concerned about their social responsibility and the role of ethics in their business endeavors. Since the business of insurance is based upon a mutual trust between producers and customers, this trust must be founded upon the highest ethical standards. There are certain accepted standards of behavior and activity which are expected from insurers and their licensed agents with regard to ethical handling of money and the needs of our clients.
This 3-hour course complies with California continuing education requirements for Homeowners insurance, and it’s designed to give you a solid understanding of home valuation methodologies useful in any Homeowners insurance sales practice. Homeowners insurance depends on an accurate assessment of a home’s value in order to determine appropriate compensation for damage or loss. As an insurance agent selling Homeowners insurance, home valuation is a crucial skill—and necessary to determine the right level of coverage and compensation for customers.
Adjusters need to know the ins and outs of commecial insurance in order to properly and professionally adjust claims. Whether individuals are contemplating starting a new business, are a new business owner, or have owned a business for many years, commercial insurance can be one of the most important ongoing financial investments they make in the life of their company. Operating a business is extremely challenging without having to worry about suffering significant financial loss due to unforeseen circumstances.
Identity Theft The purpose and objective of this portion of theh course is to provide the student with information and insight about the ethical obligation regarding “Identity Theft”, especially as it relates to the potential negative impact on consumers’ financial planning goals and retirement planning issues and objectives. This course provides them with a base of knowledge to allow the student to play an important role to ensure that their clients and prospective clients are aware of how identity theft can adversely affect their financial life, both short and long-term. The presentation sheds considerable general and specific light on this growing problem and solutions.
This course provides insurance professionals with a comprehensive understanding of ethics and fraud within the insurance industry, with a focus on California anti-fraud requirements. It examines unethical behaviors, common fraud schemes, and the impact of fraud on consumers, insurers, and the marketplace. You will gain practical insight into how fraud occurs, how it is identified, and how regulatory bodies - such as the California Department of Insurance Fraud Division - investigate and address fraudulent activity.
Ethics & Fraud for Adjusters Unethical behaviors and fraud awareness are the keys to this course. The entire course talks about ethics and fraud with a multitude of examples and definitions to sharpen adjusters’ knowledge and awareness in this area, both personal and professional. It details lots of specific acts and a wide variety of fraud, scams, and schemes that are only intended to “rip off” you, me, our families, and friends A review of the table of contents shows that, in seven specific lessons, all the material is designed and intended to contribute to an adjuster’s understanding of the wide expanse of fraud.
The course is designed to provide students with continuing education in the area of ethics. It pays special attention to the various components and issues specific to the world of ethical approaches and behavior in the vast emerging senior marketplace. It enhances the ethical and professional competence of financial and insurance professionals aspiring to make ethics a cornerstone of their personal mission, as well as to fulfill their state continuing education requirements.
Insurance is a tool for shifting risk to protect the insured. And when it’s put into practice—or disputed—it’s often done through the courts. No matter what type of insurance you sell, you need to know the basics of the laws and regulations that affect your policies.
Effective agency operations depend on the accurate use of an Agency Management System. Every premium collected, commission calculated, claim tracked, carrier reconciled, and policy issued flows through this central platform. When used properly, the system strengthens financial controls, improves reporting accuracy, enhances client service, and reduces exposure to compliance and E&O risk.
This course is designed to meet the life insurance training requirements of California Senate Bill SB 263. It examines the available types of individual life insurance policies, including ordinary whole life insurance, limited payment life insurance, single payment life insurance, variable life insurance, non-variable universal life insurance (including indexed universal life insurance), variable universal life insurance, endowments, and disability benefits in individual life insurance policies. It also examines accelerated death benefits, the common provisions and exclusions found in life insurance policies, and life settlements.
This course is designed to meet the variable life insurance training requirements of California Senate Bill SB 263. It provides a comprehensive overview of the structure, features, and regulatory requirements surrounding variable life insurance products. It covers key concepts such as death benefit options (Option A and Option B), cash value accumulation, premium flexibility, and net amount at risk (NAR).
According to Investopedia, "a public adjuster is an insurance industry professional whose job is to assist the policyholder in making a claim from an insurance company. They represent the insured rather than the insurer. Independent adjusters and company adjusters work for insurance companies.
Property/casualty insurance is insurance on homes, cars, and businesses. Technically, property insurance protects a person or business with an interest in physical property against its loss or the loss of its income-producing abilities. Casualty insurance mainly protects a person or business against legal liability for losses caused by injury to other people or damage to the property of others.
Every business enterprise today is subject to a wide range of physical, legal, and economic risks. Each of these risks are rigorously scrutinized by an enterprise itself and its various stakeholders, including shareholders, lenders, suppliers, distributors, buyers, employees, and others. Given the scope of these interests, virtually no type of risk is overlooked.
If you own anything, you are subject to the risk that your property will be damaged or destroyed, or lost or stolen, or rendered unusable for some reason. The modern property/casualty insurance industry arose from “fire” insurance for tangible property at fixed locations on land, and from “marine” insurance for tangible property in transit, either on land or water. Today, property risk and insurance are being fundamentally transformed with the growth of intangible property, principally data and information on computer networks.
To be at all active in a modern society, you cannot avoid liability risk. No matter what you do for a living or how much or how little you own, if you’re a mentally competent adult of majority age, you can be held liable for any damage or injury you cause to another. This course first covers the general liability we all face for any bodily injury (including disease), property damage (to tangible or intangible property), or personal injury (to another’s rights or reputation).
Courses are developed by industry experts and cover a wide range of state-mandated and general topics, and we’re more affordable than traditional classes and many other online providers!
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