Ethics: Implications For Today's Insurance Agents - 1.0 ETH
This course discusses the meaning of ethics in general and to the insurance agent specifically. The reasons for increased compliance will be reviewed. Finally, the course examines the relationship between ethics and customer service.

Winning Edge: Being Successful, Yet Ethical - 2.0 ETH
In this course the student will review the meaning of ethics and it's implications in 21st century society. In addition five principles will be explored in-depth. These principles are the "ethical keys to success" or those that will provide the agent "the winning edge" in practice today.

Annuities - 3.0 LH
In this course the student will review the different types of annuities, their features, guarantees, and how they work. Whether you are a new agent or a seasoned veteran this course will provide a thorough review of this important financial planning product.

Disability Income Protection: Its Role In Personal Financial Planning - 3.0 LH
In this course the student will take an in depth look at the need for disability income protection. Specific contract provisions will be examined and compared in an effort to better understand the policy. Finally there will be a review of disability income protection underwriting and issues that agents can expect to encounter today.

Life Insurance - 2.0 LH
This course reviews the origin and development of life insurance and it's regulation. Policy provisions including those required and discretionary will be discussed. Methods of determining how much insurance is enough will also be examined.

Life Insurance: The Product And It's Development - 4.0 LH
In this course the student will review the development of the life insurance industry. Special emphasis will be given to the extensive tax law changes of the 1980's. Contract law and how it relates to life insurance will be examined. In addition the student will have an in-depth review and comparison of policy provisions found throughout the life insurance contract.

Long-Term Care: Addressing Challenges Lying Ahead - 4.0 LH
This course reviews Medicare and Medicare Supplements as well as Medicaid. Understanding each, points to the need for Long-term Care Insurance. Qualified and Non-qualified forms will be discussed as well as provisions found in a typical policy.

Medicare: It's Development And Operation - 2.0 LH
This course is a survey of the Medicare program. In it the student will review the coverage extended by Medicare including Parts A and B as well as the new prescription drug coverage, Part D. Benefit eligibility as well as program funding will also be discussed. The information contained in this course is appropriate and essential for anyone advising clients preparing for their retirement years.

Social Security: It's Development And Operation - 3.0 LH
This could be considered as a survey course about the Social Security system. In it the student will review the background and development of Social Security. Benefit calculations as well as financing provisions will be examined. The tax on Social Security benefits will be discussed as will the future of the system in general. The course will help the student decide for himself whether or not the Social Security system is in financial trouble.

The Universal Life Insurance Policy: Understanding The Contract - 2.0 LH
During the decade of the 1980's Universal Life was the life insurance product of choice for many agents and companies. What brought about the need for this product? Why did it emerge so rapidly? How does a Universal Life insurance policy work and what distinguishes it from Whole Life? Is Universal Life an appropriate insurance concept? These are a few of the questions this course will attempt to answer.

Understanding Long-Term Care - 2.0 LH
In this course, the student will review the coverage provided by Medicare and Medicare Supplements. Finally, the student will review what is meant by the term "qualified long-term care plan", the typical provisions in such a policy, as well as the market for it.

Commercial Auto Policy - 3.0 PC
This course discusses the basics of the commercial auto policy; the differences between the commercial auto and personal auto forms will be examined. The coverage symbols will be discussed as well as the agent's ability or opportunity to broaden or limit coverage.

Commercial General Liability - 3.0 PC
This course reviews the ISO CGL form. The difference between occurrence and claims made will be discussed as well as policy exclusions and other key features.

Personal Umbrella Policy - 3.0 PC
Consumers today are involved in more and a greater variety of activities then ever before. Children have athletic and educational opportunities that may not have been thought of fifteen or twenty years ago. International communication and travel has become affordable and almost common-place. At the same time today, the numbers are bigger - homes and cars cost more, personal income continues to increase, and consumer debt is higher than ever. More and costly activities coupled with inflated values play right in to the hand of a litigious society. In this course the student will examine, in depth, the personal umbrella policy. From this review the student should be better equipped to help consumers protect themselves against catastrophic liability losses.

The Businessowners Insurance Policy-2.0 (1 BOP Course Only) - 2.0 PC
Insurance policies are divided into six specific parts. These are the Declarations, Insuring Agreement, Exclusions, Conditions, Definitions, and the Endorsements. In this course the Businessowners policy will be studied by examining five of these six policy parts. The declarations will not be reviewed since they are specific to each particular insured and risk and should be self-explanatory.

The Businessowners Insurance Policy-3.0(1 BOP Course Only) - 3.0 PC
Insurance policies are divided into six specific parts. These are Declarations, Insuring Agreement, Exclusions, Conditions, Definitions, and Endorsements. The Businessowners policy will be studied by examining five of these six policy parts. The declarations will not be reviewed since they are specific to each particular insured and risk and should be self-explanatory.

The Businessowners Insurance Policy-4.0(1 BOP Course Only) - 4.0 PC
Insurance policies are divided into six specific parts. These are Declarations, Insuring Agreement, Exclusions, Conditions, Definitions, and Endorsements. The Businessowners policy will be studied by examining five of these six policy parts. The declarations will not be reviewed since they are specific to each particular insured and risk and should be self-explanatory.

The Homeowners Insurance Policy - 2.0 (Only 1 Homeowners Course) - 2.0 PC
Insurance policies are divided into six specific parts. These are Declarations, Insuring Agreement, Exclusions, Conditions, Definitions, and Endorsements. The Homeowners policy will be studied by examining five of these six policy parts.

The Homeowners Insurance Policy - 3.0 (Only 1 Homeowners Course) - 3.0 PC
Insurance policies are divided into six specific parts. These are Declarations, Insuring Agreement, Exclusions, Conditions, Definitions, and Endorsements. The Homeowners policy will be studied by examining five of these six policy parts.

The Homeowners Insurance Policy - 4.0 (Only 1 Homeowners Course) - 4.0 PC
Insurance policies are divided into six specific parts. These are Declarations, Insuring Agreement, Exclusions, Conditions, Definitions, and Endorsements. The Homeowners policy will be studied by examining five of these six policy parts. The declarations will not be reviewed since they are specific to each particular insured and risk and should be self-explanatory.

The Personal Auto Policy - 2.0 (Only 1 Personal Auto Course) - 2.0 PC
In this course the student will review the personal auto policy. Special attention will be given to exclusions pertaining to each coverage as well as how coverage applies to rental cars. The discussion will be based on coverage extended by the ISO personal auto policy. Although this exact form is not used by many companies its provisions are the foundation for most personal auto contracts.

The Personal Auto Policy - 3.0 (Only 1 Personal Auto Course) - 3.0 PC
In this course the student will review the personal auto policy. Special attention will be given to exclusions pertaining to each coverage as well as how coverage applies to rental cars. The discussion will be based on coverage extended by the ISO personal auto policy. Although this exact form is not used by many companies its provisions are the foundation for most personal auto contracts.

The Personal Auto Policy – 4 (Only 1 Personal Auto Course) - 4.0 PC
In this course the student will review the personal auto policy. Special attention will be given to exclusions pertaining to each coverage as well as how coverage applies to rental cars. The discussion will be based on coverage extended by the ISO personal auto policy. Although this exact form is not used by many companies its provisions are the foundation for most personal auto contracts.

Workers Compensation Revised - 3.0 PC-Currently Not available
This course reviews the basics of workers compensation. It includes background pertaining to the products' development as well as general aspects of the form. The course is not intended to be state specific but rather provides an overview of the product in general.