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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.
This 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.
This 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.
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.
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.
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.
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.
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.
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.
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.
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.Go to Top


