Course Curriculum

  • 1
    1. Introduction to Life Insurance Planning
  • 2
    2. Conducting a Needs Analysis
    • 2.1 Overview
    • 2.2 What Information Is Needed To Perform a Capital Needs Analysis
    • 2.3 Best Practices in Information Gathering
    • 2.4 Top Characteristics Clients Value in Their Financial Advisors
    • 2.5 Summary
    • Chapter 2 Quiz
  • 3
    3. Advantages and Disadvantages
    • 3.1 Overview
    • 3.2 Why is a Lump Sum of Cash Needed Upon Death
    • 3.3 Immediate Survivor Needs
    • 3.4 Debt Elimination
    • 3.5 Other Funding Needs to Consider
    • 3.6 Summary
    • Chapter 3 Quiz
  • 4
    4. Factoring in Social Security Survivors Benefits
    • 4.1 Overview
    • 4.2 Who Earns Survivors Benefits?
    • 4.3 Currently and Fully Insured Survivors Benefits
    • 4.4 Understanding the Mother’s/Father’s Benefit
    • 4.5 Understanding the Child’s Benefit
    • 4.6 Understanding the Widower’s Benefit
    • 4.7 Summary
    • Chapter 4 Quiz
  • 5
    5. Determining Income Needs at Death
    • 5.1 Overview
    • 5.2 During What Periods is Extra Income Needed?
    • 5.3 Estimating Survivor Income Needs
    • 5.4 How Much Future Income Does My Client’s Survivors Need?
    • 5.5 Determining Income Needs | An Example
    • 5.6 Summary
    • Chapter 5 Quiz
  • 6
    6. Needs Approach
    • 6.1 Overview
    • 6.2 Meet Our Scenario Family
    • 6.3 Capital Liquidation: The Smith Family’s Dependency Period Income
    • 6.4 The Smith Family’s Blackout Period Income
    • 6.5 The Smith Family’s Retirement Period Income
    • 6.6 Totaling the Smith Family’s Income Needs with the Capital Liquidation Approach
    • 6.7 Understanding the Capital Retention Approach
    • 6.8 The Smith Family’s Life Insurance Needs Using the Capital Retention Approach
    • 6.9 Pros and Cons of Capital Retention vs. Capital Liquidation
    • 6.10 Summary
    • Chapter 6 Quiz
  • 7
    7. Comparing and Selecting Life Insurance Policies
    • 7.1 Overview
    • 7.2 When to Suggest Term Life Insurance
    • 7.3 Strategies to Using Term Life Policies
    • 7.4 When to Suggest Permanent Life Insurance
    • 7.5 Summary
    • Chapter 7 Quiz
  • 8
    Exam
    • Final Exam

Course Snapshot

  • 7 Chapters

    This course goes deep into personal life insurance so that you not only get CE credits for your state but you stay updated on personal life insurance.

  • 3 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.

  • 3-6-5

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