Course Approval Number :
Course Description
One of the hottest issues facing the insurance industry today involves toxic mold claims under both personal and commercial lines policies. After several recent multi – million dollar judgments, attorneys are comparing this to asbestos and lead paint claims with regard to the litigation potential. From the standpoint of commercial exposures, toxic mold claims are beginning to rival “construction defect” claims in numbers and magnitude. Home and business owners are looking to their insurers and contractors, building material suppliers, plumbers, and others for remuneration for real or perceived property damage and bodily injury. Mold exists everywhere in our environment. Some molds like penicillin are beneficial, while other types of mold can cause health problems. Concern over so – called “toxic mold” is growing as the medical community begins to understand some of the ailments such mold can cause. Other than EPA and CDC guidelines, there appear to be few, if any, state or federal regulations regarding mold infestations and remediation. Lack of mold awareness also has been part of the problem. The truth is that while liability issues may be debated among insurers, property professionals, and others, uncontrolled mold growth will only heighten property and health claims unless quickly checked and remediated. The goal of this course is to increase awareness of mold and its affect on the insurance industry.
LEARNING OBJECTIVES:
Know and identify Mold Facts and Misconceptions.
Know how Toxic Mold Investigations are conducted.
Understand Toxic Mold and the importance of Remediation.
Understand the affects of Mold Contaminants on Property and Medical Insurance.
Understand General Liability and Mold Contamination.
Know and identify Trends in Occupational Health and Safety.
Identify Professional Liability Expenses resulting from Mold.
Understand how Workers’ Compensation works for Toxic Mold cases.
Understand how Claims are processed for Mold.
Know and understand Homeowners’ Insurance.
TOPICS COVERED:
LESSON 1: Introduction – Mold Facts and Misconceptions
LESSON 2: Toxic Mold Investigations
LESSON 3: Toxic Mold and Remediation
LESSON 4: Property Insurance and Mold Contaminants
LESSON 5: General Liability and Mold Contamination
LESSON 6: Professional Liability Expenses and Mold
LESSON 7: Workers’ Compensation
LESSON 8: Claims and Mold
LESSON 9: Homeowners’ Insurance
LESSON 10: Medical Insurance and Mol.
REGULATORY REQUIREMENT:
SEAT TIME:
COURSE PRE – REQUISITE:
TESTING:
COURSE COMPLETION:
ABOUT THE SUBJECT MATTER EXPERT: Published by:
Pohs Institute – Westbury, New Yor.
Pohs Institute, one of the oldest insurance schools in New York State, was founded in 1921 by Herbert Pohs. Pohs Institute is one of the largest providers of insurance education in New York State, as well as an approved provider in New Jersey, Pennsylvania, Connecticut, Massachusetts, New Hampshire, Maine and Rhode Island. More than 250,000 men and women, eager to pursue a career in the insurance industry, have enrolled in Pohs Institute schools. Pohs Institute provides insurance instruction to large insurance companies and brokerages, as well as banks and financial institutions. The instructors are professional adjunct teachers from the insurance industry with an average of 10 or more years of industry experience.
4 $25
Course Approval Number :
Course Description
Legal responsibilities are fundamental. An insurance agent walks a difficult line with legal responsibilities to both an insurance company and a client. When the agent does not live up to these responsibilities, there is the threat of being sued. Periodically, every agent should review the legal responsibilities of an agent in modern society. An insurance agent’s social, ethical and professional responsibilities may be optional; but legal responsibilities are not. Legal responsibilities are the minimum amount that is required of every agent. If he does not live up to his legal responsibilities, he will end up out of business and maybe even behind bars. Because legal responsibilities are determined by common law, statute, and case law, they are evolving. An agent must remain current, making adjustments for trends and refinements. The purpose of this course is to provide the student with a knowledge and understanding of these legal responsibilities and insurance principles. Topics include: Principles of Insurance, Characteristics of Legal Responsibilities, Illegal Acts of an Insurance Agent, Ethics in the Insurance Agency, and Legal Issues in Insurance Fraud.
LEARNING OBJECTIVES:
Understand and know Insurance Principles and Legal Responsibilities.
Understand and know Legal Responsibilities in the Agency.
Understand and know Legal Responsibilities with the Insured.
Understand and know Legal Responsibilities in the Insurance Contract.
Understand and know Legal Responsibilities in Liability.
Understand and know Legal Responsibilities in Consumer Protection.
Understand and know Legal Responsibilities and HIPAA.
Understand and know Legal Issues in Insurance Fraud.
TOPICS COVERED:
LESSON 1: Insurance Principles and Legal Responsibilities
LESSON 2: Legal Responsibilities in the Agency
LESSON 3: Legal Responsibilities with the Insured
LESSON 4: Legal Responsibilities in the Insurance Contract
LESSON 5: Legal Responsibilities in Liability
LESSON 6: Legal Responsibilities in Consumer Protection
LESSON 7: Legal Responsibilities and HIPAA
LESSON 8: Legal Issues in Insurance Frau.
R REGULATORY REQUIREMENT:
SEAT TIME:
COURSE PRE – REQUISITE:
TESTING:
COURSE COMPLETION:
ABOUT THE SUBJECT MATTER EXPERT: Published by:
Pohs Institute – Westbury, New Yor.
Pohs Institute, one of the oldest insurance schools in New York State, was founded in 1921 by Herbert Pohs. Pohs Institute is one of the largest providers of insurance education in New York State, as well as an approved provider in New Jersey, Pennsylvania, Connecticut, Massachusetts, New Hampshire, Maine and Rhode Island. More than 250,000 men and women, eager to pursue a career in the insurance industry, have enrolled in Pohs Institute schools. Pohs Institute provides insurance instruction to large insurance companies and brokerages, as well as banks and financial institutions. The instructors are professional adjunct teachers from the insurance industry with an average of 10 or more years of industry experience.
6 $35
Course Approval Number :
Course Description
Our industry is being besieged by matters of compliance. This is especially true in the areas of life insurance and securities. Some may privately express the view that compliance is an impediment to doing business and doing it successfully. But isn’t the question really: should short – term gains take priority over long – term client relationships? At first sight, it seems that career agents for the major companies are most affected by strict compliance regulations. While, independent insurance agents and those not closely associated with a major insurer are untouched by compliance requirements.
Compliance enforcement and oversight may be more difficult, as those who supervise agents’ activities may be further removed in time and place from the sales process. The intention of this course is to refocus you on compliant and ethical professional behavior. If you always concentrate on a client’s needs and place them above your own, compliance should not be an obstacle in your practice. Putting the client first seems a simple concept, but sometimes it is difficult to implement. Topics covered include: Compliance, Ethics and Professionalism , Our Working Legal Framework, Communication and the Sales Process, Common Compliance Problems, Ethics and Compliance in Practice.
LEARNING OBJECTIVES:
Understand the importance of compliance, ethics and professionalism.
Understand the relationship of Compliance vs. Ethics.
Know and understand the Legal Framework provided by federal, state and common law.
Understand communication and its importance to the Sales Process.
Identify and understand common compliance problems.
Put Ethics and Compliance into Practice.
TOPICS COVERED:
LESSON 1: Introduction
LESSON 2: Our Working Legal Framework
LESSON 3: Communication and the Sales Process
LESSON 4: Common Compliance Problems
LESSON 5: Conclusion
LESSON 6: Appendix.
R EGULATORY REQUIREMENT:
SEAT TIME:
COURSE PRE – REQUISITE:
TESTING:
COURSE COMPLETION:
ABOUT THE SUBJECT MATTER EXPERT: Published by:
Pohs Institute – Westbury, New Yor.
Pohs Institute, one of the oldest insurance schools in New York State, was founded in 1921 by Herbert Pohs. Pohs Institute is one of the largest providers of insurance education in New York State, as well as an approved provider in New Jersey, Pennsylvania, Connecticut, Massachusetts, New Hampshire, Maine and Rhode Island. More than 250,000 men and women, eager to pursue a career in the insurance industry, have enrolled in Pohs Institute schools. Pohs Institute provides insurance instruction to large insurance companies and brokerages, as well as banks and financial institutions. The instructors are professional adjunct teachers from the insurance industry with an average of 10 or more years of industry experience.
4 $20
Approval Number:
CATEGORY:
Course Description
This course will introduce you to the basic principles of insurance, including the concept of risk, the different types of risk, and techniques in managing risk. It will introduce you to several basic elements and terms used in the insurance industry. The course will focus on explaining the insurance contract by introducing and reviewing its various parts, including: the elements, characteristics, and parts of a contract, as well as various policy organizations. It will also lesson focus on the insurance transaction. The transaction includes such things as the application process, how the policy is selected, underwritten, and rated. This section will also review some of the legal requirements of applicants and the insurance company, with respect to the insurance transaction.
Learning Objectives
Learn the types of Insurance companies that are available to consumers.
Study the basic structure, and types of Property and Casualty insurance.
Review who and what exactly makes up and insurance company.
Gain an understanding of how the industry is regulated, and who regulates it.
To review the insurance contract by discussing its key elements.
To learn the basics of the insurance transaction.
Topics Covered
Introduction
Lesson 1: Principles of Insurance
LESSON 2: The Insurance Company
LESSON 3: Marketing Property and Casualty/ The Insurance Contract
LESSON 4: The Insurance Transaction
REGULATORY REQUIREMENT:
SEAT TIME:
COURSE PRE – REQUISITE:
TESTING:
COURSE COMPLETION:
ABOUT THE SUBJECT MATTER EXPERT:
EMMERT C. DAUGARD, M.A. CLU ChFC HIA MHP PAHM RHU REBC LIC
An accomplished speaker/trainer who has developed and taught many public insurance continuing education courses. Since 1988, designed and taught courses to over 25,000 insurance professionals. Held the insurance positions of agent/broker, manager, and corporate senior vice – president. Licensed for over 20 years in both property/casualty and life/health.
EXPERIENCE:
Director, Center for Continuing Education, Austin, Texas
EDUCATION AND LICENSES:
3 $15
Course Approval Number :
Course Description
The insurance industry in the United States consists of more than 5,000 companies with over $1.8 trillion in assets. The insurance industry is one of the largest and most interdependent of the United States industries, making it a critical U.S. industry. Insurance fraud has become one of the most prevalent and costly white – collar crimes. According to a published study by the Coalition Against Insurance Fraud (CAIF), fraud is among the most prominent cost components escalating the costs of insurance. The CAIF has estimated the annual loss figures relative to insurance fraud (non health insurance) to be approximately $26 billion. F raud is costing companies, businesses, and individuals, who pay higher insurance premiums. Identifying, targeting, and dismantling those individuals, organized groups, and con artists committing fraud against the insurance industry will accomplish reducing the amount of economic loss to the insurance industry due to fraud.
This course provides an overview of insurance fraud, which will provide the student with an understanding of the nature, costs, results and methods of preventing insurance fraud. The ultimate goal of this course is to increase awareness of insurance fraud and demonstrate the importance of preventing insurance fraud. Topics covered include: Ethics, Fraud Detection and Prevention, Patterns and Indicators of Fraudulent Claims, Legal Issues, and Consumer Protection.
LEARNING OBJECTIVES:
Understand insurance fraud.
Understand the relationship between ethics and insurance fraud.
Understand and take the necessary steps to prevent insurance fraud.
Identify the fraudsters who commit insurance fraud.
Understand fraud within the insurance process.
Identify and spot patterns and indicators of fraudulent claims.
Understand the relationship between fraudulent claims and the insurance industry.
Understand the legal Issues associated with insurance fraud.
Understand consumer protection and insurance fraud.
TOPICS COVERED:
LESSON 1: Introduction
LESSON 2: Preventing Insurance Fraud
LESSON 3: Identifying the Fraudsters
LESSON 4: Fraud Within the Insurance Process
LESSON 5: Patterns & Indicators of Fraudulent Claims
LESSON 6: Fraudulent Claims and the Insurance Industry
LESSON 7: The Legal Issues in Insurance Fraud
LESSON 8: Consumer Protection and Insurance Fraud REGULATORY REQUIREMENT:
SEAT TIME:
COURSE PRE – REQUISITE:
TESTING:
COURSE COMPLETION:
ABOUT THE SUBJECT MATTER EXPERT: Published by:
Pohs Institute – Westbury, New Yor.
Pohs Institute, one of the oldest insurance schools in New York State, was founded in 1921 by Herbert Pohs. Pohs Institute is one of the largest providers of insurance education in New York State, as well as an approved provider in New Jersey, Pennsylvania, Connecticut, Massachusetts, New Hampshire, Maine and Rhode Island. More than 250,000 men and women, eager to pursue a career in the insurance industry, have enrolled in Pohs Institute schools. Pohs Institute provides insurance instruction to large insurance companies and brokerages, as well as banks and financial institutions. The instructors are professional adjunct teachers from the insurance industry with an average of 10 or more years of industry experience.
4 $25
Approval Number:
Course Description
This course was developed to help students to understand the concepts of inland marine insurance. The basic tenets of inland marine insurance are discussed in detail, as well as specific information regarding marine trade. Students will learn about historical background and the current coverages provided under this type of insurance.
Learning Objectives
Identify the laws and regulations that govern inland marine insurance policies
Understand the responsibilities of a licensed insurance agent in writing inland marine policies.
Analyze types of coverages and how they benefit the insured
Explain key developments in inland marine coverage
Topics Covered
Introduction
Lesson 1: Components of Inland Marine
Lesson 2: Transit Insurance
Lesson 3: Motor Truck Cargo Liability Insurance
Lesson 4: Contractors Equipment Insurance
Lesson 5: Builders’ Risk Policies and Installation Floaters
Lesson 6: Dealers’ Policies and Related Coverages
Lesson 7: Bailee and Bailor Coverages
LESSON 8: Coverage for Computers and Communications Equipment
LESSON 9: Fine Arts Insurance
REGULATORY REQUIREMENT:
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COURSE PRE – REQUISITE:
TESTING:
COURSE COMPLETION:
ABOUT THE SUBJECT MATTER EXPERT:
This course is created and brought to you by 360Training, a leading provider of accredited e – learning courses to working professionals through today’s leading schools, associations and corporations. 360Training’s high quality e – learning courses assist thousands of working professionals each month in a wide range of disciplines to succeed in today’s marketplace, renew licenses, acquire certification or prepare for a new profession.
This course was created by the instructional design staff of 360Training in connection with field professionals that bring many years of experience in adult educational theory and distance learning technology to make the process of certification, compliance and training as convenient, engaging, and cost – effective as possible.
If you have any requests for technical or instructional support, please contact the 360Training Support Department located in the HELP section of your account profile. Technical support inquiries are handled immediately and instructional support questions are returned within 24 business hours with answers provided by a qualified professional in your field through our network of subject matter experts.
6 $30
Course Approval Number :
Course Description
This course was developed to provide licensed insurance personnel to renew their continuing education requirements as well as professional development. The basics of homeowner’s insurance are discussed in detail. Multiple practice questions are provided to test the student grasp of homeowner’s insurance.
LEARNING OBJECTIVES:
Identify the national laws and regulations that pertain to Homeowner’s Insurance policies.
Understand the responsibilities of a licensed insurance agent.
Be familiar with the forms, inclusions, exceptions and rights that homeowner’s insurance provides to the insured.
Complete the requirement for continuing education.
TOPICS COVERED:
LESSON 1: Introduction to Homeowner’s Insurance
LESSON 2: The homeowner’s Policy and ISO Policy Forms-Covered Property to Identify and Address Residential Property and Liability Loss Exposures
LESSON 3: Property Coverages A, B, C, and D
LESSON 4: Covered Perils
LESSON 5: Additional Coverages-Property and Liability Exposures
LESSON 6: Section I Exclusions, Conditions and Endorsements
LESSON 7: Homeowner’s Insurance: Section II – – Liability Coverage
LESSON 8: Section II Exclusions, Conditions, Endorsements and Variations.
REGULATORY REQUIREMENT:
SEAT TIME:
COURSE PRE – REQUISITE:
TESTING:
COURSE COMPLETION:
ABOUT THE SUBJECT MATTER EXPERT: This course is created and brought to you by 360Training, a leading provider of accredited e – learning courses to working professionals through today’s leading schools, associations and corporations. 360Training’s high quality e – learning courses assist thousands of working professionals each month in a wide range of disciplines to succeed in today’s marketplace, renew licenses, acquire certification or prepare for a new profession.
This course was created by the instructional design staff of 360Training in connection with field professionals that bring many years of experience in adult educational theory and distance learning technology to make the process of certification, compliance and training as convenient, engaging, and cost – effective as possible.
If you have any requests for technical or instructional support, please contact the 360Training Support Department located in the HELP section of your account profile. Technical support inquiries are handled immediately and instructional support questions are returned within 24 business hours with answers provided by a qualified professional in your field through our network of subject matter experts.
3 $25
Approval Number:
CATAGORY: General.
Course Description
This course explains the essentials of flood insurance based on the standards set by the Federal Emergency Management Agency. It opens with the background and features of the National Flood Insurance Program, along with a discussion of who needs flood insurance. It then explains flood maps, zone determinations and available products and policies.
The general rules and rating process for flood insurance are discussed in detail , along with the claims handling process and the requirements of the Flood Insurance Reform Act of 2004. Last, agents learn about the flood resources available to them. This course provides helpful guidelines for agents who wish to sell flood policies.
Learning Objectives
Explain the basic features of the National Flood Insurance Program
Identify the risks that make flood insurance essential for specific individuals
Use flood maps and describe flood zone determination
Distinguish among types of available flood products, including dwelling policies, general property policies, RCBAP policies and preferred risk policies
Apply general flood insurance rules about statutory coverage limits, deductibles, property value determination and other topics
Summarize the claims handling process
Illustrate the point of sale and renewal responsibilities of the Flood Insurance Reform Act of 2004
Locate flood insurance resources available to agents
Topics Covered
Introduction
Lesson 1: Flood Maps and Zone Determinations
Lesson 2: Policies and Products Available
Lesson 3: General Rules
Lesson 4: Rating
Lesson 5: Claims Handling Process
Lesson 6: Requirements of the Flood Insurance Reform Act of 2004
Lesson 7: Agent Resources
REGULATORY REQUIREMENT:
SEAT TIME:
COURSE PRE – REQUISITE:
TESTING:
COURSE COMPLETION:
ABOUT THE SUBJECT MATTER EXPERT:
This course is created and brought to you by 360Training, a leading provider of accredited e – learning courses to working professionals through today’s leading schools, associations and corporations. 360Training’s high quality e – learning courses assist thousands of working professionals each month in a wide range of disciplines to succeed in today’s marketplace, renew licenses, acquire certification or prepare for a new profession.
This course was created by the instructional design staff of 360Training in connection with field professionals that bring many years of experience in adult educational theory and distance learning technology to make the process of certification, compliance and training as convenient, engaging, and cost – effective as possible.
If you have any requests for technical or instructional support, please contact the 360Training Support Department located in the HELP section of your account profile. Technical support inquiries are handled immediately and instructional support questions are returned within 24 business hours with answers provided by a qualified professional in your field through our network of subject matter experts.
5 $25
Course Title: Ethics for Insurance Professionals Advanced
Approval Number:
CATEGORY:
Course Description
In this course we do not intend to create a complex, philosophical, intellectual debate on current ethical considerations. Rather, we will present a practical discussion of business ethics with specific examples taken from the insurance industry. The course addresses the complexities of ethical decision making in today’s insurance environment. It suggests ways for insurance producers to establish ethics in the work place and thereby take a step toward reducing the possibility of questionable practices and wrongdoing.
Learning Objectives
Learn the basic concepts of ethics.
Learn about professionalism and ethical standards.
Learn to differentiate between ethics and values.
Define what is meant by conflict of interest.
Define the steps involved in ethical decision making
Learn the intricacies of the insurance product
Understand the responsibilities if an insurance professional
Learn about the disclosures involved in policy illustrations
Understand the standards of consumer protection in the insurance industry
Understand the various regulations of insurance trade practices
Topics Covered
Introduction
LESSON 1: Introduction
LESSON 2 : Role of Ethics
LESSON 3: Ethics Vs. Values
LESSON 4: Resolving Ethical Dilemmas
LESSON 5: Ethical Decision Making
LESSON 6: Nature of the Insurance Product
LESSON 7: The Insurance Professional
LESSON 8: Insurance Regulation
LESSON 9: Policy Illustrations
LESSON 10: Consumer Protection in the Insurance Industry
LESSON 11: Regulation of Insurance Trade Practices
REGULATORY REQUIREMENT:
SEAT TIME:
COURSE PRE – REQUISITE:
TESTING:
COURSE COMPLETION:
ABOUT THE SUBJECT MATTER EXPERT:
EMMERT C. DAUGARD, M.A. CLU ChFC HIA MHP PAHM RHU REBC LIC
An accomplished speaker/trainer who has developed and taught many public insurance continuing education courses. Since 1988, designed and taught courses to over 25,000 insurance professionals. Held the insurance positions of agent/broker, manager, and corporate senior vice – president. Licensed for over 20 years in both property/casualty and life/health.
EXPERIENCE.
Director, Center for Continuing Education, Austin, Texas
EDUCATION AND LISCENSES:
4 $20
Course Description
This course covers the basic concept of ethics with a detailed definition and what it entails. We will discuss the role of ethics in our personal as well as professional lives and the challenges faced. We will also discuss the core ethical values and how rationalization is used as a common tool. Finally, we will talk about the framework of ethical decision – making and conclude with a brief discourse on ethics and conflict of interests.
Learning Objectives
Define ethics and emphasize on the various principles involved.
Discuss the ways in which we can incorporate ethical values in our personal and professional lives.
Briefly define the major themes in ethical philosophy.
Fully understand the core ethical principles and values and the use of rationalization.
Elaborate on the framework for ethical decision – making.
Define the key elements of a conflict of interest.
Topics Covered
Introduction
Lesson 1: How We Live
LESSON 2: Role of Ethics
LESSON 3: Ethics Philosophy
LESSON 4: Ethics VS Values
LESSON 5: Rationalization
LESSON 6: Ethical Decision – Making
LESSON 7: Ethics and Conflict of Interest
REGULATORY REQUIREMENT:
SEAT TIME:
COURSE PRE – REQUISITE:
TESTING:
ABOUT THE SUBJECT MATTER EXPERT:
EMMERT C. DAUGARD, M.A. CLU ChFC HIA MHP PAHM RHU REBC LIC
An accomplished speaker/trainer who has developed and taught many public insurance continuing education courses. Since 1988, designed and taught courses to over 25,000 insurance professionals. Held the insurance positions of agent/broker, manager, and corporate senior vice – president. Licensed for over 20 years in both property/casualty and life/health.
EXPERIENCE.
Director, Center for Continuing Education, Austin, Texas
EDUCATION AND LICENSES:
2 $5
Course Approval Number :
Course Description
According to the Washington, DC – based Coalition / Against Insurance Fraud (CAlF) for the insurance industry, and for the public as well, insurance fraud costs $85 billion per year. With such substantial damage, it is no wonder that the industry is making significant efforts to battle this cancer. The industry has decided that increasing public awareness of fraud is its main course of action. The coalition strongly believes that public attitudes are crucial to curtailing fraud. There are no easy solutions to the problems of insurance fraud. Consumers, legislators, regulators, and insurers must work together over the long term to create an environment that either prevents insurance fraud or detects it easily when it occurs. The first step in this process is creating a baseline understanding of the problem and potential solutions.
LEARNING OBJECTIVES:
Know and understand “Ethics” and “Fraud” Definitions.
Know and identify Insurance Fraud Facts.
Understand how Insurance Fraud is The Hidden Tax.
Know and understand Concerns About Consumer Attitudes.
Know and identify Indicators of Application Fraud.
Understand Medical Mills, Schemers & Schemes.
Know and identify Indicators of Property, Casualty, Catastrophe, Rental and Vehicle Theft Fraud.
Understand how Staged Collisions – Fraud on the Road – work.
Understand Bodily Injury Insurance Fraud.
Know and identify Indicators of Workers’ Compensation and Workers’ Compensation Premium Fraud.
Insurers Accelerating Efforts to Fight Fraud & Control Costs.
Know and provide Consumer Tips.
TOPICS COVERED:
LESSON 1: Introduction
LESSON 2: Application Fraud
LESSON 3: Indicators of Property Fraud
LESSON 4: Indicators of Catastrophe Fraud
LESSON 5: Indicators of Rental Fraud
LESSON 6: Indicators of Casualty Fraud
LESSON 7: Indicators of Vehicle Theft Fraud
LESSON 8: Workers Compensation Fraud
LESSON 9: Insurance Research Council
LESSON 10: Coalition Against Insurance Fraud – Consumer Tips.
REGULATORY REQUIREMENT:
SEAT TIME:
COURSE PRE – REQUISITE:
TESTING:
COURSE COMPLETION:
ABOUT THE SUBJECT MATTER EXPERT: Published by:
Pohs Institute – Westbury, New Yor.
Pohs Institute, one of the oldest insurance schools in New York State, was founded in 1921 by Herbert Pohs. Pohs Institute is one of the largest providers of insurance education in New York State, as well as an approved provider in New Jersey, Pennsylvania, Connecticut, Massachusetts, New Hampshire, Maine and Rhode Island. More than 250,000 men and women, eager to pursue a career in the insurance industry, have enrolled in Pohs Institute schools. Pohs Institute provides insurance instruction to large insurance companies and brokerages, as well as banks and financial institutions. The instructors are professional adjunct teachers from the insurance industry with an average of 10 or more years of industry experience.
4 $15
Approval Number:
CATEGORY:
Course Description
This course covers broad issues on Employment and Labor laws as it applies to Insurance Agencies. It covers issues on pre and post employment procedures, employee agent/agency staff/agency staff and employer/agency rights and interviewing strategies in order to avoid claims and suits. Further, it puts emphasis on real world issues related to the employment laws.
LEARNING OBJECTIVES: AFTER YOU COMPLETE THIS COURSE, YOU WILL HAVE LEARNED ABOUT THE FOLLOWING IMPORTANT EMPLOYMENT LAW ISSUES.
INTERVIEWING STRATEGIES
UNDERSTAND EMPLOYER AGENCY RIGHTS FOR REQUESTING AND DISSEMINATING EMPLOYEE REFERENCES
EMPLOYMENT VERIFICATION REQUIREMENTS; DO’S AND DON’TS
DRUG TESTING & PHYSICAL EXAMINATIONS
EMPLOYMENT AT – WILL DOCTRINE
DISCRIMINATION PRINCIPLES
RETALIATION
HARASSMENT
AMERICAN WITH DISABILITIES ACT
FAMILY AND MEDICAL LEAVE ACT
INVESTIGATING EFFECTIVELY AND WITHIN THE LAW
EFFECTIVE DISCIPLINARY POLICIES
T TOPICS COVERED:
Introduction
LESSON 1: Labor and Employment Law
LESSON 2: Interviewing Strategies
LESSON 3: Employment References
LESSON 4: Employment Verification Requirements of Employers
LESSON 5: Drug Testing And Physical Examinations
LESSON 6: Is There Really Still Employment – At – Will?
LESSON 7: Discrimination Principles
LESSON 8: Retaliation
LESSON 9: Harassment
LESSON 10: Americans With Disabilities Act (ADA)
LESSON 11: Family Leave and Medical Leave Act (FLMA)
LESSON 12: Investigating Effectively and Within The Law
LESSON 13: Effective Disciplinary Policies
REGULATORY REQUIREMENT:
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COURSE PRE – REQUISITE:
TESTING:
COURSE COMPLETION:
ABOUT THE SUBJECT MATTER EXPERT:
Trey Wood
Trey is a partner with the Houston law firm Alaniz and Schraeder, L.L.P., which concentrates its practice in the exclusive representation of management in the area of Labor and Employment Law. Mr. Wood attended Texas Tech School of Law and was licensed in 1988. He has been practicing as a trial attorney since that time and has extensive experience in counseling clients on all aspects of the employer/employee relationship and has tried many employment cases in both federal and state courts across the country. Mr. Wood has also represented clients before various state and federal agencies such as the EEOC, OSHA, Department of Labor, the Texas Commission on Human Rights and the Texas Workforce Commission. Recently, Mr. Wood testified in national hearings before the Department of Labor in opposition to OSHA’s proposed ergonomics standard. Mr. Wood is a member of the American Bar Association, the Civil Trial and Labor and Employment sections of the State Bar, as well as the Texas Association of Defense Counsel and the Houston Bar Association. Mr. Wood is Board Certified by the Texas Board of Legal Specialization in the area of Labor and Employment Law and is a frequent speaker before various trade organizations on all aspects of employment law. He has gratuitously provided continuing education for both the IIAH as well as several of our member agencies since 1997.
3 $15
Course Approval Number : 974097
Course Description
The impact of “Employer Practices” for the insurance industry has become increasingly subject to legal constraints. An expanding series of laws regulate almost every facet of the employer – employee relationship. The laws deal with employee recruitment, testing, wages, benefits, nondiscrimination, occupational safety and health, workers’ compensation, wrongful discharge, unemployment insurance, pensions and other matters. Employers in the insurance industry must have knowledge of the law to avoid pitfalls. Employees in the insurance industry must also have knowledge of the law so they can defend themselves when employers act illegally or when they feel their rights have been violated.
Although the study of “Employer Practices” is worthy of several volumes, this course will provide a general overview of the more common employer practice issues confronting the insurance industry. To set the stage a brief overview is given of the industry and its employment of agents and brokers, who will be taking this course. This is followed by a history of the employer – employee relationship. In chapter one the laws are placed on a time line providing a rationale for why these prohibitions and rights were created. With this information as the foundation, the laws are outlined and employer practices, from pre – hiring to post – termination, are reviewed. This overview provides some practical applications to the law. Suggestions are made as to some “do’s and don’ts” that should be considered.
LEARNING OBJECTIVES:
Identify employer practices related laws .
Identify employer practices .
Explain legal concepts related to employer practices .
Identify employer practice areas of liability exposure .
Identify some “do’s and don’ts” to minimize employer practices liability .TOPICS COVERED:
INTRODUCTION
LESSON 1: Overview of Laws Related to Employer Practices
LESSON 2: The Employment Process Begins
LESSON 3: Employment
LESSON 4: Employment Ends
LESSON 5: Employment Litigation and Alternative.
REGULATORY REQUIREMENT:
SEAT TIME:
COURSE PRE – REQUISITE:
TESTING:
COURSE COMPLETION:
ABOUT THE SUBJECT MATTER EXPERT: Miriam A. Boggio, Esq. President, Boggio Consulting Services
Published by:
Pohs Institute – Westbury, New Yor.
Pohs Institute, one of the oldest insurance schools in New York State, was founded in 1921 by Herbert Pohs. Pohs Institute is one of the largest providers of insurance education in New York State, as well as an approved provider in New Jersey, Pennsylvania, Connecticut, Massachusetts, New Hampshire, Maine and Rhode Island. More than 250,000 men and women, eager to pursue a career in the insurance industry, have enrolled in Pohs Institute schools. Pohs Institute provides insurance instruction to large insurance companies and brokerages, as well as banks and financial institutions. The instructors are professional adjunct teachers from the insurance industry with an average of 10 or more years of industry experience.
5 $25
Approval Number:
COURSECategory: Property & Liability.
Course Description
Money laundering plays a fundamental role in facilitating the ambitions of the drug trafficker, the terrorist, the organized criminal, the insider dealer, and the tax evader, as well as the many others who need to avoid the kind of attention from the authorities that sudden wealth from illegal activities brings. By engaging in this type of activity, criminals hope that their proceeds will be beyond the reach of asset forfeiture laws. Financial institutions such as insurance companies are at the forefront of the battle against the money launderers. Under current legislation, insurance companies are responsible for policing their financial dealings and reporting any suspicious transactions. This course will dwell upon the new regulatory environment of the insurance industry vis a vis money laundering, specifically the USA Patriot Act 2001. The course aims to highlight the key aspects of the USA Patriot Act namely, the Suspicious Activities Report (SAR) and the “Know Your Customer” provision (KYC).
Learning Objectives
Understand the scope and effect of Money Laundering.
Understand the Process and Methodology of Money Laundering.
Understand the impact of money laundering on the Operations and responsibilities of Insurance professionals and their agencies
Understand the regulatory environment vis – a – vis Money Laundering for the insurance industry.
Understand the establishment of the Anti – money laundering Program for insurance agencies.
T TOPICS COVERED:
Introduction
LESSON 1: Money Laundering
LESSON 2: Effects of Money Laundering
LESSON 3: Federal Money Laundering Laws for Financial Institutions
LESSON 4: Federal Money Laundering Laws for Insurance Companies
REGULATORY REQUIREMENT:
SEAT TIME:
COURSE PRE – REQUISITE:
TESTING:
COURSE COMPLETION:
ABOUT THE SUBJECT MATTER EXPERT:
Les Carter
Les was an executive in the financial services industry who has served as a President of a commercial bank, and as an Executive Vice President of a special servicing company. He has 20 years of commercial and mortgage banking experience including starting four companies: a commercial bank, a consulting company, a loan servicing company, and a consumer collection agency. Most recently, before joining 360Training, Les was an Executive Vice President of The Ontra Companies in Austin, TX, a nationally recognized holding company with interests in special servicing and loan originations. Prior to joining Ontra, , Mr. Carter was President of a Texas Commerce Bank in Houston. Les has a MBA in Finance from Texas A&M University and is a doctoral candidate in Finance at Nova Southeastern University.
2 $10
Approval Number: 972697 LH.
CATEGORY:
Course Description
As the Baby Boomer generation reaches retirement age, the issue of how to prepare and safeguard that retirement is becoming an increasingly important topic in the insurance and financial industries. Clients planning for their retirement future often turn to annuities as a source of income and funding. This course explores the function of annuities as investment instruments, the characteristics of fixed and variable annuities, and the benefits and options available with both varieties.
LEARNING OBJECTIVES:
Define the uses and purpose of an annuity.
Recognize the investment function of an annuity.
Discern the difference between an annuity and a retirement plan.
Understand the differences between fixed and variable annuities, and the characteristics that distinguish them.
Be familiar with settlement/payout options.
Identify the benefits associated with annuities.
T TOPICS COVERED:
Introduction
LESSON 1: Annuities – Fundamentals
LESSON 2: Fixed Annuities
LESSON 3: Variable Annuities
REGULATORY REQUIREMENT:
SEAT TIME:
TESTING:
COURSE COMPLETION:
ABOUT THE SUBJECT MATTER EXPERT:
3 $15
Approval Number:
CATEGORY:
Course Description
This course is designed to encompass key issues in the business of agency operations. It looks at the various aspects of risk management, and outlines the workings of the insurance markets as they exist today. To highlight the importance of procedural issues, the course also focuses on issues of Errors and Omissions, and links the same to various aspects of the agency business.
Learning Objectives
Learn about Insurance Agency Operations
Familiarize the student with the concept of Risk Management, its purposes and implementation process within the Agency
Educate the student about different types of insurance markets as well as insurance company evaluation
Familiarize the student with the ethical and legal responsibility pertaining to Insurance Agency Operations
Learn about sales and marketing within the agency
Familiarize the student with Errors & Omissions, and with E&O planning
Understand agency finances including financial management, accounting records, agency accounting and etc.
Topics Covered
Introduction
Lesson 1: DEALING WITH RISK
Lesson 2: KEY ELEMENTS OF THE RISK MANAGEMENT PROCESS
Lesson 3: INSURANCE MARKET CLASSIFICATIONS
Lesson 4: ETHICS AND LEGAL RESPONSIBILITY
Lesson 5: SALES AND MARKETING
Lesson 6: ERRORS & OMISSIONS
Lesson 7: AGENCY FINANCES
LESSON 8: Insurance Regulation
LESSON 9: Policy Illustrations
LESSON 10: Consumer Protection in the Insurance Industry
LESSON 11: Regulation of Insurance Trade Practices
REGULATORY REQUIREMENT:
SEAT TIME:
COURSE PRE – REQUISITE:
TESTING:
COURSE COMPLETION:
ABOUT THE SUBJECT MATTER EXPERT:
EMMERT C. DAUGARD, M.A. CLU ChFC HIA MHP PAHM RHU REBC LIC
An accomplished speaker/trainer who has developed and taught many public insurance continuing education courses. Since 1988, designed and taught courses to over 25,000 insurance professionals. Held the insurance positions of agent/broker, manager, and corporate senior vice – president. Licensed for over 20 years in both property/casualty and life/health.
EXPERIENCE.
Director, Center for Continuing Education, Austin, Texas
EDUCATION AND LICENSES:
2 $10
Package Description: This package is comprised of the following courses.
Ethics for Insurance Professionals Advanced (4 hour Ethics)
Employment Law (3 hours General)
Agency Operations (2 hours General)
New Employee (2 hours General)
Anti – Money Laundering for Insurance Professionals (2 hours General)
Ocean Marine (8 hours P/C)
Intro to Property and Casualty and the Insurance Contract (3 hours P/C)
To view individual course descriptions please click on the the link of the course title.
24 $35
Package Description: This package is comprised of the following courses.
Ethics for Insurance Professionals Advanced (4 hour Ethics)
Ocean Marine (8 hours P/C)
To view individual course descriptions please click on the the link of the course title.
12 $35
Package Description: This package is comprised of the following courses.
Ethics for Insurance Professionals Basic (1 hour Ethics)
Inland Marine (6 hours P/C)
Flood Insurance (5 hours P/C)
To view individual course descriptions please click on the the link of the course title.
12 $35
Approval Number:
CATEGORY:
Course Description
This course is designed to encompass key issues in property insurance. The main focus is divided into four parts: property insurance, commercial property insurance, homeowner’s insurance, and dwelling.
Learning Objectives
Learn about property insurance by focusing on property insurance, commercial property insurance, homeowners insurance, and dwelling
Familiarize the student with the different types of policies available and discuss the details of each
Learn about the different types of property and what property is covered
Discuss the different policies including aspects of exclusions, limitations, and conditions
Learn about perils, both insured and excludedTopics Covered
Introduction
LESSON 1: Property Insurance
LESSON 2: Commercial Property Insurance
LESSON 3: Homeowners Insurance
LESSON 4: Dwelling
REGULATORY REQUIREMENT:
SEAT TIME:
COURSE PRE – REQUISITE:
TESTING:
COURSE COMPLETION:
ABOUT THE SUBJECT MATTER EXPERT:
EMMERT C. DAUGARD, M.A. CLU ChFC HIA MHP PAHM RHU REBC LIC
EC is an accomplished speaker/trainer who has developed and taught many public insurance continuing education courses. Since 1988, he has designed and taught courses to over 25,000 insurance professionals. He has held the insurance positions of agent/broker, manager, and corporate senior vice – president, and has been licensed for over 20 years in both property/casualty and life/health.
6 $30
Approval Number :
COURSECategory:
Course Description
This course provides a general overview of insurance principles, beginning with frequently used terms and their definitions as used in the industry. As the course develops, it illustrates the insurance process and its need, and then grows into a manual of sorts, guiding the reader through the various mechanics, the type of insurance products available, and the applicability in different situations, illustrating with examples wherever possible.
Learning Objectives
Differentiate between insurance, insured and insurer.
Define and understand the concept of premium.
The similarities between risk transfer mechanisms and insurance.
Understand key concepts/terms used in relation to insurance.
Understand the need for insurance.
Understand the various types of insurance available.
Understand the mechanics of insurance.
Understand the role of insurance agents
Understand the mechanics of Life Insurance, its need and importance.
Understand the application process.
Understand the policy clauses.
Differentiate between the various types of insurance companies.
Understand the concepts of Whole Life Insurance, Joint Life Insurance etc.
Identify the various types of Permanent Insurance.
Compare Term and Permanent Insurance.
Distinguish between various Policy Variations.
Learn the mechanics of filing claims, receipt of proceeds.
Understand the need for, and the mechanics of, Insurance Underwriting.
T TOPICS COVERED:
Introduction
LESSON 1: INSURANCE – Basics
LESSON 2 : LIFE INSURANCE
LESSON 3: HEALTH INSURANCE
LESSON 4: LONG – TERM CARE INSURANCE
LESSON 5: DISABILITY INSURANCE
LESSON 6: PROPERTY AND CASUALTY
LESSON 7: PERSONAL PROPERTY INSURANCE
LESSON 8: FIRE INSURANCE
LESSON 9: AUTOMOBILE INSURANCE
LESSON 10: INSURANCE FRAUD
LESSON 11: GROUP INSURANCE
LESSON 12: COMMERCIAL GENERAL LIABILITY
LESSON 13: PRINCIPLES OF RISK MANAGEMENT
LESSON 14: PRINCIPLES OF REINSURANCE
REGULATORY REQUIREMENT:
SEAT TIME:
COURSE PRE – REQUISITE:
TESTING:
COURSE COMPLETION:
ABOUT THE SUBJECT MATTER EXPERT:
EMMERT C. DAUGARD, M.A. CLU ChFC HIA MHP PAHM RHU REBC LIC
An accomplished speaker/trainer who has developed and taught many public insurance continuing education courses. Since 1988, designed and taught courses to over 25,000 insurance professionals. Held the insurance positions of agent/broker, manager, and corporate senior vice – president. Licensed for over 20 years in both property/casualty and life/health.
EXPERIENCE.
Director, Center for Continuing Education, Austin, Texas
EDUCATION AND LICENSES:
9 $45
Course Approval Number :
Course Description
This course discusses the basic tenets of personal auto insurance in detail. It outlines the duties that the insurer must perform along with what the insurer should expect from the insured. Multiple practice questions are provided at the end of each lesson to test the student’s knowledge.
LEARNING OBJECTIVES:
Identify the coverage offered under personal auto insurance.
Understand the different parts of PAP.
Be familiar with endorsements that can be attached to the policy.
Understand his/her duty towards the insured.
TOPICS COVERED:
LESSON 1: Introduction To Peronal Auto Insurance
LESSON 2: The Peronal Auto Policy
LESSON 3: Part A: Liability Coverage
LESSON 4: Part B: Medical Payments Coverage
LESSON 5: Part C: Uninsured Motorists Coverage
LESSON 6: Part D: Coverage for Physical Damage to Your Auto
LESSON 7: Part E: Duties After an Accident or Loss
LESSON 8: Part F: General Provisions
LESSON 9: Endorsements and Acord Forms
LESSON 10: “No Fault” Insurance
LESSON 11: Determining Auto Insurance Premiums
LESSON 12: Underwriter.
REGULATORY REQUIREMENT:
SEAT TIME:
COURSE PRE – REQUISITE:
TESTING:
COURSE COMPLETION:
ABOUT THE SUBJECT MATTER EXPERT: This course is created and brought to you by 360Training, a leading provider of accredited e – learning courses to working professionals through today’s leading schools, associations and corporations. 360Training’s high quality e – learning courses assist thousands of working professionals each month in a wide range of disciplines to succeed in today’s marketplace, renew licenses, acquire certification or prepare for a new profession.
This course was created by the instructional design staff of 360Training in connection with field professionals that bring many years of experience in adult educational theory and distance learning technology to make the process of certification, compliance and training as convenient, engaging, and cost – effective as possible.
If you have any requests for technical or instructional support, please contact the 360Training Support Department located in the HELP section of your account profile. Technical support inquiries are handled immediately and instructional support questions are returned within 24 business hours with answers provided by a qualified professional in your field through our network of subject matter experts.
4 $25
Approval Number:
Course Description
This course was developed to help students to understand the concepts of ocean marine insurance. The basic tenets of ocean marine insurance are discussed in detail, as well as specific information regarding marine trade. Students will learn about historical background and the current coverages provided under this type of insuranc.
Learning Objectives
Identify the laws and regulations that govern ocean marine insurance policies
Understand the responsibilities of a licensed insurance agent in writing ocean marine policies
Analyze types of coverages and how they benefit the insured
Explain key developments in ocean marine coverage
Topics Covered
Introduction
Lesson 1: Ocean Marine Insurance Overview
Lesson 2: Maritime Regulation; Tramp Shipping; Chartering Maritime Regulatory Organizations
Lesson 3: Liner Shipping; Special Carriers; Tanker Operations
Lesson 4: Vessel Managment Companies; Terminal Operations, Stevedore Contracts
Lesson 5: Containerization, Intermodal Transportation
Lesson 6: Ocean Bills of Lading: New Maritime Technology
Lesson 7: Cargo Insurance Policies
LESSON 8: Cargo Underwriting and Loss Control
LESSON 9: The American Institute Hull Clauses; Hull Property Coverage
LESSON 10: Other Hull Coverages
LESSON 11: Protection and Indemnity Insurance
LESSON 12: Hull and P+I Underwriting
LESSON 13: Other Ocean Marine Coverages
REGULATORY REQUIREMENT:
SEAT TIME:
COURSE PRE – REQUISITE:
TESTING:
COURSE COMPLETION:
ABOUT THE SUBJECT MATTER EXPERT:
This course is created and brought to you by 360Training, a leading provider of accredited e – learning courses to working professionals through today’s leading schools, associations and corporations. 360Training’s high quality e – learning courses assist thousands of working professionals each month in a wide range of disciplines to succeed in today’s marketplace, renew licenses, acquire certification or prepare for a new profession.
This course was created by the instructional design staff of 360Training in connection with field professionals that bring many years of experience in adult educational theory and distance learning technology to make the process of certification, compliance and training as convenient, engaging, and cost – effective as possible.
If you have any requests for technical or instructional support, please contact the 360Training Support Department located in the HELP section of your account profile. Technical support inquiries are handled immediately and instructional support questions are returned within 24 business hours with answers provided by a qualified professional in your field through our network of subject matter experts.
8 $40
Course Approval Number :
Course Description
Health and life insurance is affected and influenced by numerous occupational and environmental issues and trends. The purpose of this course is to identify and examine these issues and trends and their relationship to life and health insurance. Topics covered include mold, mold contaminants, general liability implications, workers’ compensation, homeowners’ insurance, environmental and occupational diseases, asbestos exposure, terrorism exposure and underwriting health and life insurance.
LEARNING OBJECTIVES:
Identify, know and understand Property Insurance Implications of Mold Contaminants.
Identify, know and understand General Liability Implications.
Identify, know and understand Professional Liability Expenses and Mold.
Understand Workers’ Compensation.
Understand the relationship between Insurance Claims and Mold.
Understand Homeowners’ Insurance.
Identify and understand Factors Affecting Trends in Health and Life.
Identify and understand Trends in Occupational Health and Safety.
Understand Environmental and Occupational Lung Disease.
Understand the Ongoing Risk of Asbestos Exposures.
Identify and understand the Hazard of Long – Term Disability.
Identify and understand Trends Resulting From Terrorism Exposures.
Identify and understand Trends in Underwriting Health and Life Insurance.
TOPICS COVERED:
LESSON 1: Property Insurance Implications of Mold Contaminants
LESSON 2: General Liability Implications
LESSON 3: Professional Liability Expenses and Mold
LESSON 4: Workers’ Compensation
LESSON 5: Claims and Mold
LESSON 6: Homeowners’ Insurance
LESSON 7: Factors Affecting Trends in Health and Life
LESSON 8: Trends in Occupational Health and Safety
LESSON 9: Environmental and Occupational Lung Disease
LESSON 10: The Ongoing Risk of Asbestos Exposures
LESSON 11: The Hazard of Long – Term Disability
LESSON 12: Trends Resulting From Terrorism Exposures
LESSON 13: Trends in Underwriting Health and Life Insuranc.
R REGULATORY REQUIREMENT:
SEAT TIME:
COURSE PRE – REQUISITE:
TESTING:
COURSE COMPLETION:
ABOUT THE SUBJECT MATTER EXPERT: Published by:
Pohs Institute – Westbury, New Yor.
Pohs Institute, one of the oldest insurance schools in New York State, was founded in 1921 by Herbert Pohs. Pohs Institute is one of the largest providers of insurance education in New York State, as well as an approved provider in New Jersey, Pennsylvania, Connecticut, Massachusetts, New Hampshire, Maine and Rhode Island. More than 250,000 men and women, eager to pursue a career in the insurance industry, have enrolled in Pohs Institute schools. Pohs Institute provides insurance instruction to large insurance companies and brokerages, as well as banks and financial institutions. The instructors are professional adjunct teachers from the insurance industry with an average of 10 or more years of industry experience.
5 $30
Approval Number:
CATEGORY:
Course Description
As a new employee to the insurance industry you may find yourself overwhelmed with understanding the components of the industry and the terminology being used around you. This course will provide you with an understanding of the general make up of the industry and the terminology in order for you to do your job well.
Learning Objectives
Learn the basic concepts of insurance
Learn insurance terms
Define who needs insurance
See how an insurance agency is organized
Learn about continuing education, errors & omissions
Define what makes a valuable employee and explore future career opportunities
Obtain valuable insurance resource information
Topics Covered
Introduction
LESSON 1: Purpose of Insurance
LESSON 2 : Independent Insurance Agency System
LESSON 3: You and Your Agency
LESSON 4: Being an Insurance Professional Part 1
LESSON 5: Being an Insurance Professional Part 2
LESSON 6: Continuing Education
REGULATORY REQUIREMENT:
SEAT TIME:
COURSE PRE – REQUISITE:
TESTING:
COURSE COMPLETION:
ABOUT THE SUBJECT MATTER EXPERT:
This course was created by the instructional design staff of 360Training in connection with field professionals that bring many years of experience in adult educational theory and distance learning technology to make the process of certification, compliance and training as convenient, engaging, and cost – effective as possible.
If you have any requests for technical or instructional support, please contact the 360Training Support Department located in the HELP section of your account profile. Technical support inquiries are handled immediately and instructional support questions are returned within 24 business hours with answers provided by a qualified professional in your field through our network of subject matter experts.
2 $10
