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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. -
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 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. -
This course is a comprehensive program designed for insurance professionals to enhance their understanding of long-term care insurance. This course covers a wide range of topics, including the nature of long-term care services, the associated costs, available payment options, and state and federal regulations governing long-term care insurance. With the aging population and increasing demand for long-term care, this course is essential for agents seeking to stay current on policy offerings and how they relate to Medicaid and other public programs.
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.
Senior 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.
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.
Agents 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.
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.
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.


