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People insure their cars, their homes, and their valuables every day. But many don’t realize the need to insure what is probably their most valuable asset—their ability to earn money. But in the event of disability, it’s possible to lose the ability to work just when it’s needed more than ever—to pay for expensive medical care. -
You never know when an unhappy client might file a lawsuit claiming you’ve been negligent or made an error or omission while performing your services. Insurance brokers/dealers, registered investment advisors, financial planners, and other financial professionals can obtain E&O insurance. The benefits an E&O insurance policy gives companies or individuals can vary greatly depending on the policy and issuing insurance company. -
Business Life and Disability explores and discusses business types and characteristics as well as the application of Life and Disability insurances in the various business entities as an instrument for solving many of the complex issues that the business owners of all types face. Business life insurance and disability insurance are generally applicable to the distinct composition of a particular business entity and how specifically has been structured such as a sole proprietorship, a partnership, a corporation, or a limited liability company. The type of business dictates how the company manages critical situations and solves human resource issues along with addressing what will and may happen to the business over time, to the investors, to the employees, and to the families of the employees in the event of death. -
Whether it’s to complete customer deliveries, transport employees, or perform essential functions out of the office, every business needs a vehicle. And that means most companies need auto insurance. The commercial auto policy is designed to protect against risks encountered by business vehicles—and it can cover everything from the boss’s company car to a fleet of delivery trucks. -
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. -
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.
Long Term Care Training
Senior citizen populations are growing throughout the country—and with them, the need for long-term care. Many types of...$29.95Senior citizen populations are growing throughout the country—and with them, the need for long-term care. Many types of long-term care are difficult to pay for—they’re often not covered by Medicare or traditional health insurance plans. Medicaid does cover long-term care, but only for seniors with incomes that qualify—leaving many middle-income seniors unable to afford the high cost of care on their own.
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.
Little did Henry Ford realize his invention would become the symbol for the American dream of independence and freedom. That Model T has evolved into a necessity in our lives, Americans practically live in their cars. There are more than 243+ million drivers (2023) up from 238+ million in 2022 and 286+ million (2023) registered vehicles on the road.
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.
CA 2025 4hr Annuity Training – How Fixed Variable and Index Annuity Provisions Affect Consumers
This course provides four hours of annuity training, which must be completed every two years by California resident...$19.95This course provides four hours of annuity training, which must be completed every two years by California resident and nonresident life agents who sell annuity products. The subject matter covered in this course is consistent with the outline developed by the California Department of Insurance for purposes of this training. For resident agents, this four-hour training requirement is part of, not in addition to, their continuing education requirements.
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.
California 2025 8hr Long Term Care Training
Agents working in long-term care (LTC) insurance will find this training essential to deepening their grasp of policy...$29.95Agents working in long-term care (LTC) insurance will find this training essential to deepening their grasp of policy coverage, claims, and compliance in California. It breaks down the unique triggers for benefit eligibility, such as the inability to perform two or more ADLs or cognitive impairment, and contrasts reimbursement with indemnity models for claim settlements. You’ll develop a sharper lens for evaluating claims, reviewing policy structures, and understanding tax-qualified versus non-tax-qualified benefits—crucial for managing client expectations and advising accurately.
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.
Automobile insurance is one of the most complicated types of personal lines insurance out there. It’s one of the only types of property insurance that considers the owner’s physical condition and lifestyle in determining insurability. And it’s a highly profitable line of business—because everyone who has a car needs insurance.
A claim has a huge impact on the life of an insured—as well as his insurance agent. As an agent, it’s your job to make sure your customers are informed about any gaps in coverage that may increase their exposure to risk. You’ll also need to manage that risk, to reduce the chances that a claim will occur.
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.
The course offers a comprehensive exploration of the fundamental concepts underpinning the Patient Protection and Affordable Care Act (ACA), with a specific focus on the role and mechanics of health benefit exchanges. It provides in-depth coverage of how the ACA defines and establishes exchanges, their operational frameworks, and their implications for health insurance pricing and accessibility. Additionally, the course examines critical legal provisions, eligibility criteria, and mechanisms designed to promote consumer choice and cost-sharing within these exchanges.
Besides providing valuable information and resources for Adjusters and Public Adjusters in California to better serve their clients, this course was developed and is available for Adjusters and Public Adjusters to complete as part of their continuing education requirements. Accurately valuing property to be insured and at claim time should not necessarily fall to the homeowner who has little experience in such matters. This course provides a response to that need as well as an answer to the training required in California on this subject.
There are risks to every business—including insurance. As an agent, forewarned is forearmed. This course provides an overview of the types of protections out there that protect consumers, agents, and companies against risk.
Let’s face it—the Internet is changing everything. Including the insurance industry. Keep abreast of online trends—and learn how our digital age is changing the way agents sell insurance.
The insurance industry is changing—fast. Online insurance sales are growing, and in ten years, the way you market and sell your insurance products is likely to have changed drastically. The only thing we can say for sure, however, is that no one knows exactly how the industry will change—or what your business will look like in ten years.
An insurance claim can be a devastating event—for both you and your client. Sure, insurance is designed to cover the costs that arise for insureds in the case of a claim—but the cause of the claim can have a devastating personal and professional impact that can’t be satisfied by a payout. And nobody covers the loss for the agent; claims can have a devastating impact on your business.
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).
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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