• 12 Credits

    In the state of North Carolina, you need 24 credit hours every 2 years. Once you complete this course, we'll send over your passing grade so you get the credit you need.

  • 20 Chapters

    This course takes you deeper into working with elders and the ethics needed to help them so that you not only get CE credits for your state but you gain valuable knowledge.

  • 3-6-5

    Access your courses, certificates, transcript here 365 days a year. Everything you need in one place so you can get back to what matters to you.

Course Curriculum

  • 1
    1. Life Insurance Options and Tax Benefits: Introduction to Life Insurance
  • 2
    2. Life Insurance Options and Tax Benefits: Types of Life Insurance
    • 2.1 A Closer Look at Permanent Life
    • 2.2 Types of Permanent Life Insurance
    • 2.3 A Closer Look at Term Life
    • 2.4 Types of Term Life Insurance
    • 2.5 Summary
    • Chapter 2 Quiz
  • 3
    3. Life Insurance Options and Tax Benefits: Life Insurance Planning
    • 3.1 Steps of the Life Insurance Selling/Planning Process
    • 3.2 Approaches the Calculating an Individual’s Life Insurance Needs
    • 3.3 The Multiple of Income Approach
    • 3.4 The Human Value Approach
    • 3.5 The Needs Approach
    • 3.6 Summary
    • Chapter 3 Quiz
  • 4
    4. Life Insurance Options and Tax Benefits: Determining Income Needs at Death
    • 4.1 Overview
    • 4.2 During What Periods is Extra Income Needed?
    • 4.3 Estimating Survivor Income Needs
    • 4.4 How Much Future Income Does My Client’s Survivors Need?
    • 4.5 Summary
    • Chapter 4 Quiz
  • 5
    5. Life Insurance Options and Tax Benefits: Comparing and Selecting Life Insurance Policies
    • 5.1 Overview
    • 5.2 When to Suggest Term Life Insurance
    • 5.3 Strategies to Using Term Life Policies
    • 5.4 When to Suggest Permanent Life Insurance
    • 5.5 Summary
    • Chapter 5 Quiz
  • 6
    6. Life Insurance Options and Tax Benefits: Life Insurance Tax Benefits
    • 6.1 Overview
    • 6.2 Tax Treatment of Policy Premiums
    • 6.3 Tax Treatment of Death Benefits
    • 6.4 All About Estate Taxes
    • 6.5 Summary
    • Chapter 6 Quiz
  • 7
    7. Retirement Considerations: Annuities
    • 7.1 Overview
    • 7.2 Understanding Annuities
    • 7.3 Types of Annuities
    • 7.4 Election of Payment Options
    • 7.5 Summary
    • Chapter 7 Quiz
  • 8
    8. Retirement Considerations: Social Security Benefits
    • 8.1 Overview
    • 8.2 Funding Social Security
    • 8.3 Social Security Eligibility Requirements
    • 8.4 Applying for Social Security Benefits
    • 8.5 Calculating Social Security Benefits
    • 8.6 How Much Income Does an Individual Need for Retirement?
    • 8.7 How Social Security Benefits are Paid
    • 8.8 Summary
    • Chapter 8 Quiz
  • 9
    9. Retirement Considerations: Determining When to Claim Social Security Benefits
    • 9.1 Overview
    • 9.2 What Factors into an Individual’s Decision to Claim Social Security?
    • 9.3 Personal Financial Situation
    • 9.4 Marital Status
    • 9.5 Estimated Life Expectancy and Break-Even Age
    • 9.6 Extended Employment
    • 9.7 Risk Tolerance
    • 9.8 What Clients Should Do Now to Prepare for Tomorrow
    • 9.9 Revoking or Suspending a Claim
    • 9.10 Summary
    • Chapter 9 Quiz
  • 10
    10. Retirement Considerations: Understanding the Social Security Survivors Benefit
    • 10.1 Overview
    • 10.2 Who Earns Survivors Benefits?
    • 10.3 Calculating Survivors Benefits
    • 10.4 Currently and Fully Insured Survivors Benefits
    • 10.5 Maximizing Social Security Benefits for Surviving Spouses
    • 10.6 Understanding the Mother’s/Father’s Benefit
    • 10.7 Understanding the Child’s Benefit
    • 10.8 Understanding the Widower’s Benefit
    • 10.9 Applying for Social Security Survivors Benefits
    • 10.10 Summary
    • Chapter 10 Quiz
  • 11
    11. Health Insurance - Medicare and Medigap: Medicare Components
    • 11.1 Medicare Overview
    • 11.2 Medicare Part A
    • 11.3 Medicare Part B
    • 11.4 Gaps of Medicare A and B
    • 11.5 Expanding Medicare with Parts C and D
    • 11.6 Medicare Part C (Medicare Advantage)
    • 11.7 Medicare Part D (Prescription Drugs)
    • 11.8 Summary
    • Chapter 11 Quiz
  • 12
    12. Health Insurance - Medicare and Medigap: Bridging the Gaps - Medicare Supplement Insurance
    • 12.1 Overview
    • 12.2 Medigap Policies Standardized Benefits
    • 12.3 Medigap: The Plans
    • 12.4 Medigap Enrollment
    • 12.5 Comparison with Medicare Advantage Plans
    • 12.6 State of Medigap Today
    • 12.7 Medicare Select Policies
    • 12.8 Summary
    • Chapter 12 Quiz
  • 13
    13. Long-Term Care: Understanding Long-Term Care
    • 13.1 Overview
    • 13.2 Long-Term Care: The Basics
    • 13.3 Activities of Daily Living and Instrumental Activities of Daily Living
    • 13.4 Who Needs Long-Term Care?
    • 13.5 The Cost of Long-Term Care
    • 13.6 Summary
    • Chapter 13 Quiz
  • 14
    14. Long-Term Care: Long-Term Care - The Providers and Services
    • 14.1 Overview
    • 14.2 Levels of Long-Term Care
    • 14.3 Long-Term Care Settings
    • 14.4 Home-Based Care
    • 14.5 Community-Based Care
    • 14.6 Facility-Based Care
    • 14.7 Summary
    • Chapter 14 Quiz
  • 15
    15. Long-Term Care: Medicaid, Medicare, Medigap and Long-Term Care
    • 15.1 Medicaid Spending
    • 15.2 Medicaid 101
    • 15.3 Medicaid and Long-Term Care
    • 15.4 Medicaid’s Income and Asset Requirements
    • 15.5 “Spend Down”
    • 15.6 Spousal Impoverishment Protection
    • 15.7 Estate Recovery
    • 15.8 Summary
    • Chapter 15 Quiz
  • 16
    16. Long-Term Care: Understanding Long-Term Care Insurance
    • 16.1 Overview
    • 16.2 Long-Term Care Insurance Policies and Coverage
    • 16.3 Benefits and Premiums
    • 16.4 Who Should Buy Long-Term Care Insurance, and When?
    • 16.5 Individual vs. Group Long-Term Care Insurance
    • 16.6 Tax-Qualified and Non-Tax-Qualified Policies
    • 16.7 Summary
    • Chapter 16 Quiz
  • 17
    17. Insurance Ethics in the Senior Marketplace: Understanding the Senior Market
    • 17.1 Overview
    • 17.2 Purpose of the Section
    • 17.3 Defining “Seniors”
    • 17.4 Ethical Considerations in the Senior Market
    • 17.5 Key Issues Facing Seniors
    • 17.6 The Declining of Traditional Sources of Retirement Income
    • 17.7 Understanding Senior’s Needs and Goals
    • 17.8 Summary
    • Chapter 17 Quiz
  • 18
    18. Insurance Ethics in the Senior Marketplace: Working with the Senior Demographic
    • 18.1 Overview
    • 18.2 Helping Seniors Adapt During the Transition
    • 18.3 Understanding the Impact of Aging on Decision Making
    • 18.4 Trust, Loyalty and How Seniors Search for Information
    • 18.5 Key Qualities Seniors Seek in Financial Advisors
    • 18.6 Effectively Communicating with Seniors
    • 18.7 Cognitive Changes in Seniors
    • 18.8 Identifying the “Red Flags” of Cognitive Impairment
    • 18.9 Summary
    • Chapter 18 Quiz
  • 19
    19. Insurance Ethics in the Senior Marketplace: Protecting Seniors from Financial Abuse
    • 19.1 Overview
    • 19.2 Other Forms of Senior Abuse
    • 19.3 Common Examples of Elderly Scams
    • 19.4 Statistics Regarding Seniors and Financial Abuse
    • 19.5 Signs of Financial Abuse in Seniors
    • 19.6 Elder Abuse Legislation
    • 19.7 Producer Responsibility in Protecting Seniors from Financial Abuse
    • 19.8 Summary
    • Chapter 19 Quiz
  • 20
    20. Insurance Ethics in the Senior Marketplace: Ethical Responsibilities While Working with a Senior Market
    • 20.1 Overview
    • 20.2 The Trend of Senior Designations and Regulations
    • 20.3 Senior Designation Table
    • 20.4 Best Practices, Policies and Procedures in Working with Seniors
    • 20.5 NASAA Model Act and State Laws
    • 20.6 Adhering to a Code of Ethics
    • 20.7 Designing an Eldercare Network to Best Serve Your Clients
    • 20.8 Summary
    • Chapter 20 Quiz
  • 21
    Exam
    • Final Exam