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Kentucky Insurance CE

Take your Kentucky Insurance Continuing Education today! The Kentucky Department of Insurance recognizes 360training.com as a fully accredited provider of mandatory Kentucky insurance CE coursework for preparing for examination. All courses are 100% online and include everything you need to fulfill your CE requirements for your Kentucky insurance license renewal.

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Course Title Hours Price

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.

5 $25

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.

6 $30

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.

6 $30

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.

3 $15

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

SME Information:

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
Manager/Senior Vice – President, Sales/Marketing, Sheshunoff & Company, Austin, Texas
Vice President, Sales, Hawkeye Insurance Services, Des Moines, Iowa
District Manager, Farmers Insurance Group, California & Iowa
EDUCATION AND LICENSES:
Masters Of Arts, Business And Administration, Columbia Pacific University
Bachelor of Science, Mankato State University
Chartered Life Underwriter & Chartered Financial Counselor Designations
Registered Health Underwriter & Registered Employee Benefits Counselo.

Passing Information:

70%.

2 $10

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

SME Information:

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
Manager/Senior Vice – President, Sales/Marketing, Sheshunoff & Company, Austin, Texas
Vice President, Sales, Hawkeye Insurance Services, Des Moines, Iowa
District Manager, Farmers Insurance Group, California & Iowa
EDUCATION AND LICENSES:
Masters Of Arts, Business And Administration, Columbia Pacific University
Bachelor of Science, Mankato State University
Chartered Life Underwriter & Chartered Financial Counselor Designations
Registered Health Underwriter & Registered Employee Benefits Counselo.

Passing Information:

70%.

9 $3.6

Course Approval Number :
1008368

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:
      Please see the state/regulatory requirement from the course catalog page.

      SEAT TIME:
      This course has been approved for 4 hours.

      COURSE PRE – REQUISITE:
      N/A.

      TESTING:
      Final Exam – You will be required to pass the final exam with a 70% in order to receive course credit.

      COURSE COMPLETION:
      Upon successful completion of this course you will be able to print your certificate online.

      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

This course focuses on the appropriate ways of communicating to one’s clientele the proper methods of holding legal title to property during an individual’s life, and passing their estate on to their heirs in a manner and timing of their choosing; all with minimum taxes and intervention by the legal system.

It begins with a consideration of the estate planning process and the documents of transfer. The course then addresses the transfer tax system and the calculation of an individual’s estate tax liability. Estate planning techniques such as trusts, marital and charitable deduction vehicles, and intra – family business and property transfers are then discussed. The course ends with a consideration of post – mortem tax planning.

2 $10

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.

Objective:

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

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

SME Information:

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.

Passing Information:

70%.

5 $25

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.

6 $29.99

The expense of liability suits is one of the most severe risks facing businesses today. Operating a business without liability insurance puts owners at risk. Learning about the risks facing businesses and benefits of obtaining liability insurance are important to mitigating potential dangers to your business!.

This course covers broad issues of business liability insurance and Workers’ Compensation insurance

3 $15

The attendee, upon completion of this course, will be able to communicate adequately to their clientele an overview of anti – money laundering, specifically the legislation surrounding the issue.

Money laundering plays a fundamental role in facilitating the ambitions of the drug trafficker, the terrorist, the organized criminal, the insider dealer, the tax evader, as well as those seeking 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 cover the new regulatory environment of the insurance industry concerning 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).

2 $10

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.

4 $20

The course is designed to encompass key issues in the business of agency operations. We will look at the various aspects of risk management, and outline 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.

6 $30

This course looks to give the student perspective on how Terrorism affects the Insurance Industry. Specifically, this course will address how Terrorism affects many areas of insurance including underwriting, health insurance, life insurance, property & casualty insurance, and workers’ compensation. Students will also learn the terminology associated with Terrorism, different categories of Terrorism, and the risk management and liability issues that arise therein. Finally, this course will cover the Terrorism Insurance Act (TRIA) and discuss other on – going issues concerning Terrorism that are still being discussed, as this is a still – developing topic in the world of insurance.

4 $20

The purpose of this course is to teach basic property insurance concepts such as essential terminology, pooling risk, risk management, loss assessment, and the types of property that can be covered by insurance. Students will learn how insurance policies are organized. They will also learn the standardized approach to using basic form, broad form, and special form policies that provide increasing levels of coverage.

In addition to learning about standardized policy forms, students are shown how floaters and endorsements are added to customize coverage to suit clients’ needs. Students will also study examples of commercial property insurance, homeowner’s insurance, and dwelling insurance to gain an understanding of how personal and commercial insurance are written.

7 $35

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 types of insurance products available and the applicability in different situations, illustrating with examples wherever possible.

12 $50

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.

6 $30

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 insurance.

8 $50
6 $30

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.

3 $15
8 $40

This course will introduce the basic concepts of Medicare coverage in its two parts: hospital insurance and medical insurance. A brief history of the program and a discussion of the role of private insurance companies is followed by eligibility requirements, exclusions, and claims payments. Peer Review Organizations and Service Provider Certification are also discussed.

3 $15
8 $40

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.

5 $25

Course Description

This course introduces a specialized area of annuities, with extra attention being given to the various types of annuities, including fixed, variable, and indexed. You will also learn about the issues that surround the sale of annuities depending on the state they’re being purchased in. Lastly, this course also highlights distribution opportunities and tax consequences for withdrawals.

At the conclusion of this course, you will be able to.

  • Identify the types of annuities and the various classifications of annuities
  • Describe the parties to an annuity
  • Summarize how fixed, variable, and indexed annuity contract provisions affect consumers
  • Describe the application of income taxation for qualified and non – qualified annuities
  • Summarize the primary uses of annuities
  • Identify appropriate sales practices
  • Describe replacement and disclosure requirements
4 $15

This course introduces the basic principles of insurance, including the concept of risk, the different types of risk, and techniques in managing risk. It covers several basic elements and terms used in the insurance industry.

The course focuses 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.

The course also focuses 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.

6 $30

Check Kentucky’s state requirements prior to enrolling (http://insurance.ky.gov/).

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