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Liability coverage protects insureds from legal liability in case of harm caused to others—including bodily injury and damage to property. It plays a big part in most major insurance lines—and it’s a crucial part of business for most insurance agents. This course provides you with an in-depth look at liability coverage. -
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. -
Property and casualty insurance is a billion-dollar business in California. It helps people protect their homes, cars, businesses, and other valuable assets—and in a land of earthquakes, floods, and forest fires, that protection is needed. As a Property and Casualty agent, you play an important role in protecting insureds from financial disaster in case of asset loss or damage. -
Approximately one in seven agents faces an errors and omissions claim every year. These are serious charges—they threaten your reputation and financial well-being, and they take enormous amounts of time and resources to deal with. Completely fool-proof protection isn’t possible—but there are a few simple steps you can take to greatly reduce your risk. -
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). -
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. -
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. -
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. -
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.

