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Oregon Insurance CE

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Course Title Hours Price

Course Approval Number :
X.09.006.7391

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

SEAT TIME:
This course has been approved for 9 hours.

COURSE PRE – REQUISITE:
N/A.

TESTING:
Quizzes – You will not be required to pass the quizzes in order to move on to the next lesson.
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:

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 Counselor.

9 $38

Format:
PDF

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 3 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.

  • 3 $15

    Does not meet Oregon Law requirement

    Approval Number :
    P.04.016.739.

    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

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

    SEAT TIME:
    This course has been approved for 5 hours.

    COURSE PRE – REQUISITE:
    N/A.

    TESTING:
    Quizzes – You will not be required to pass the quizes to proceed forward to the next lesson.
    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:

    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.

    4 $25

    Course Approval Number :
    A.06.029.7391

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

    SEAT TIME:
    This course has been approved for 6 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:
    Miriam A. Boggio, Esq.
    President, Boggio Consulting Services
    Former Deputy Superintendent
    New York State Insurance Departmen.

    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 $30

    Approval Number:
    A.03.010.7391.

    Course Description

    The peril of liability is one of the most severe risks facing any organization today. Operating an organization without liability insurance puts owners at risk. Learning about liability insurance is a great way to prolong the life of your organization! This course covers broad issues of liability insurance and Workers’ Compensation.

    Learning Objectives

    • The basics of commercial liability insurance
    • Commercial liability insurance coverage
    • Commercial liability insurance policy
    • The basics of worker’s compensation and employers liability insurance
    • Worker’s Compensation and employers liability insurance policy

    Topics Covered

    • Introduction
    • LESSON 1: The Basics of Commercial Liability Insurance
    • LESSON 2: Commercial Liability Insurance Coverage
    • LESSON 3: Commercial Liability Insurance Policy
    • LESSON 4: Workers’ Compensation and Employers Liability Basics
    • LESSON 5: Workers’ Compensation and Employers Liability Insurance Policy

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

    SEAT TIME:
    This course has been approved for 3 hours.

    COURSE PRE – REQUISITE:
    N/A.

    TESTING:
    Quizzes: You will not be required to pass the quizzes in order to start the next lesson.
    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. Credit will be reported to the respective regulatory body within 15 business days of 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 $15

    Approval Number:
    E.02.008.7391.

    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.

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

    SEAT TIME:
    This course has been approved for 2 hours.

    COURSE PRE – REQUISITE:
    N/A.

    TESTING:
    Quizes – You will not be required to pass the quizes to move on to the next lesson.
    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. Credit will be reported to the respective regulatory body within 15 days of 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:
    C.04.013.7391.

    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.

    Topics Covered

    • Introduction
    • LESSON 1: Annuities – Fundamentals
    • LESSON 2: Fixed Annuities
    • LESSON 3: Variable Annuities

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

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

    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:
    American Academy of Financial Training Inc. (AAFT), provides outstanding customized training, globally, on a broad mix of financial and banking topics. Our instructors are top practitioners in their respective fields and present information in a captivating, energized, highly interactive style. AAFT experts are also available for consulting and online course development projects. For additional information, log onto our website at www.aaft.net.
    .

  • 4 $20

    Approval Number:
    P.04.004.7391.

    CATEGORY:
    Property and Liability.

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

    SEAT TIME:
    This course has been approved for 6 hours.

    COURSE PRE – REQUISITE:
    N/A.

    TESTING:
    Quizzes: You will not be required to pass the quizzes in order to start the next lesson.
    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. Credit will be reported to the respective regulatory body within 15 business days of 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
    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 Counselor.

    4 $30

    Beyond the basic concepts of personal auto insurance and policy structure, many important issues remain to be addressed. This course presents the student with four in – depth and focused topics that represent these more advanced issues. Topics to be examined include the following: personal auto policy endorsements, ACORD and ACORD forms, “no – fault” insurance, the determination of personal auto policy premiums, and the underwriting of personal auto insurance.

    1 $10

    Course Approval Number :
    A.07.011.7391

    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.
    It looks at the various coverages available and defines what is covered under those plans.

    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 excluded.

    Topics Covered

    • Introduction
    • LESSON 1: Property Insurance
    • LESSON 2: Commercial Property Insurance
    • LESSON 3: Homeowners Insurance
    • LESSON 4: Dwelling

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

    SEAT TIME:
    This course has been approved for 6 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:

    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.

  • 7 $35

    Approval Number :
    E.13.009.7391.

    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.

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

    SEAT TIME:
    This course has been approved for 13 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:

    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 Counselor.

    13 $52

    This course introduces the required content and examination for agents and producers needing to comply with Oregon’s Insurance Code requirements for continuing education study about Oregon Insurance Law. Oregon Administrative Rules are voluminous as you know. Out of that vastness of authority and regulation this course of examination and study focuses on a small, but important, section of that body of regulation that deals with Suitability and Replacement. Spending money on appropriate and beneficial financial services and insurance products is what all consumers should be doing on their own. Producers should be competently providing, suggestions, advice, and recommendations that are also appropriate and suitable for those who seek the benefits of their knowledge and experience in such matters.

    Since there is nothing so evident in life and financial matters as change, our situations also change and require major overhauls at times and at other times perhaps a minor adjustment.

    If determined as being suitable for a specific individual, replacement done for the right reasons is a good thing and for the wrong reasons, a bad thing. Oregon provides a structure with rules designed to protect consumers and for them to be dealt with by producers committed to a duty of fairness and honesty in their financial and insurance dealings.

    These two areas of suitability and replacement are dealt with in your course starting with the administrative rules regarding suitability. Replacement regulations are explored later in your course.

    At the end of this course, you will have explored and understand more fully the following.

    • Suitability-Suitability in the Sale of Life Insurance
    • Suitability in Annuity Transactions-Duties of Insurers and of Insurance Producers
    • Unfair Claims Settlement-Standards for Prompt Claim Investigation
    • Insurance Scores and Credit History-Policies Governing Credit Histories and Insurance Scores
    • Privacy of Personal Information-Definitions and Examples

    Replacement-When it Makes Sense to Replace a Policy.

    3 $14.95

    This course introduces the specialized area of annuities. You will learn about the various types of annuities, their specific distribution opportunities, tax consequences for withdrawals, and the parties to an annuity. Specifically, you will learn about the provisions associated with fixed, variable, and indexed annuities and how they affect consumers.

    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

    Approval Number:
    A.08.015.7391.

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

    SEAT TIME:
    This course has been approved for 8 hours.

    COURSE PRE – REQUISITE:
    N/A.

    TESTING:
    Final Exam – You will be required to pass the proctored 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:

    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 $36

    Course Approval Number :
    B.06.021.7391

    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.

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

    SEAT TIME:
    This course has been approved for 6 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.

  • 6 $30

    Approval Number:
    P.03005.7391

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

    SEAT TIME:
    This course has been approved for 3 hours.

    COURSE PRE – REQUISITE:
    N/A.

    TESTING:
    Quizes – You will not be required to pass the quizes to move on to the next lesson.
    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:
    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 $15

    Course Approval Number :
    A.08.022.7391

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

    SEAT TIME:
    This course has been approved for 8 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.

  • 8 $40

    Course Approval Number :
    X.03.024.7391

    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.

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

    SEAT TIME:
    This course has been approved for 8 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.

  • 3 $40

    Course Approval Number :
    X.03.025.7391

    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.

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

    SEAT TIME:
    This course has been approved for 5 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.

  • 3 $25

    Course Approval Number :
    A.05.026.7391

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

    SEAT TIME:
    This course has been approved for 5 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.

  • 5 $25

    Approval Number:
    A.06.001.7391.

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

    SEAT TIME:
    This course has been approved for 6 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:

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

    SEAT TIME:
    This course has been approved for 6 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:
    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

    Approval Number:
    A.03.0037391.

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

    SEAT TIME:
    This course has been approved for 3 hours.

    COURSE PRE – REQUISITE:
    N/A.

    TESTING:
    Final Exam – You will be required to pass the proctored 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:

    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 $15

    Approval Number:
    X.02.007.7391

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

    SEAT TIME:
    This course has been approved for 2 hours.

    COURSE PRE – REQUISITE:
    N/A.

    TESTING:
    Quizes – You will not be required to pass the quizes to move on to the next lesson.
    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:

    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 Counselor.

    2 $20

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