• 24 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.

  • 36 Chapters

    This course takes you deeper in life and health insurance, as well as social security benefits and the ethics of working with seniors, 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: Examining Term Life’s Common Policy Provisions, Exclusions and Riders
    • 3.1 Overview
    • 3.2 Term Insurance Policy Provisions
    • 3.3 Term Insurance Policy Exclusions
    • 3.4 Common Policy Riders
    • 3.5 Do’s and Don’ts Following a Denied Life Insurance Claim
    • 3.6 Summary
    • Chapter 3 Quiz
  • 4
    4. Life Insurance Options and Tax Benefits: Life Insurance Planning
    • 4.1 Steps of the Life Insurance Selling/Planning Process
    • 4.2 Approaches the Calculating an Individual’s Life Insurance Needs
    • 4.3 The Multiple of Income Approach
    • 4.4 The Human Value Approach
    • 4.5 The Needs Approach
    • 4.6 Summary
    • Chapter 4 Quiz
  • 5
    5. Life Insurance Options and Tax Benefits: Conducting a Needs Analysis
    • 5.1 Overview
    • 5.2 What Information Is Needed To Perform a Capital Needs Analysis?
    • 5.3 Best Practices in Information Gathering
    • 5.4 Determining Lump Sum Survivor Needs
    • 5.5 Immediate Survivor Needs
    • 5.6 Debt Elimination
    • 5.7 Other Funding Needs to Consider
    • 5.8 Summary
    • Chapter 5 Quiz
  • 6
    6. Life Insurance Options and Tax Benefits: Determining Income Needs at Death
    • 6.1 Overview
    • 6.2 During What Periods is Extra Income Needed?
    • 6.3 Estimating Survivor Income Needs
    • 6.4 How Much Future Income Does My Client’s Survivors Need?
    • 6.5 Determining Income Needs | An Example
    • 6.6 Summary
    • Chapter 6 Quiz
  • 7
    7. Life Insurance Options and Tax Benefits: 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
    8. Life Insurance Options and Tax Benefits: Life Insurance Tax Benefits
    • 8.1 Overview
    • 8.2 Tax Treatment of Policy Premiums
    • 8.3 Tax Treatment of Death Benefits
    • 8.4 All About Estate Taxes
    • 8.5 Summary
    • Chapter 8 Quiz
  • 9
    9. Retirement Considerations: Annuities
    • 9.1 Overview
    • 9.2 A Brief History of Annuities
    • 9.3 Understanding Annuities
    • 9.4 Types of Annuities
    • 9.5 Election of Payment Options
    • 9.6 Summary
    • Chapter 9 Quiz
  • 10
    10. Retirement Considerations: Social Security Benefits
    • 10.1 Overview
    • 10.2 Funding Social Security
    • 10.3 Social Security Eligibility Requirements
    • 10.4 Applying for Social Security Benefits
    • 10.5 Calculating Social Security Benefits
    • 10.6 How Much Income Does an Individual Need for Retirement?
    • 10.7 How Social Security Benefits are Paid
    • 10.8 Summary
    • Chapter 10 Quiz
  • 11
    11. Retirement Considerations: Determining When to Claim Social Security Benefits
    • 11.1 Overview
    • 11.2 What Factors into an Individual’s Decision to Claim Social Security?
    • 11.3 Personal Financial Situation
    • 11.4 Marital Status
    • 11.5 Estimated Life Expectancy and Break-Even Age
    • 11.6 Extended Employment
    • 11.7 Risk Tolerance
    • 11.8 What Clients Should Do Now to Prepare for Tomorrow
    • 11.9 Revoking or Suspending a Claim
    • 11.10 Summary
    • Chapter 11 Quiz
  • 12
    12. Retirement Considerations: Social Security Strategies for Married Couples
    • 12.1 Overview
    • 12.2 Understanding Spousal Benefits
    • 12.3 Spousal Benefits: Non-Working Spouses
    • 12.4 Spousal Benefits: Dual Income Spouses
    • 12.5 Claiming Changes Due to the Bipartisan Budget Act
    • 12.6 Strategies for Spouses Claiming Social Security Benefits
    • 12.7 Filling the Income Gap When Delaying Social Security Benefits
    • 12.8 Summary
    • Chapter 12 Quiz
  • 13
    13. Retirement Considerations: Understanding the Social Security Survivors Benefit
    • 13.1 Overview
    • 13.2 Who Earns Survivors Benefits?
    • 13.3 Calculating Survivors Benefits
    • 13.4 Currently and Fully Insured Survivors Benefits
    • 13.5 Maximizing Social Security Benefits for Surviving Spouses
    • 13.6 Understanding the Mother’s/Father’s Benefit
    • 13.7 Understanding the Child’s Benefit
    • 13.8 Understanding the Widower’s Benefit
    • 13.9 Applying for Social Security Survivors Benefits
    • 13.10 Summary
    • Chapter 13 Quiz
  • 14
    14. Retirement Considerations: The Effects of Taxation, and Other Reductions, on Social Security
    • 14.1 Overview
    • 14.2 Is My Social Security Benefit Taxable?
    • 14.3 Strategies for Staying Grounded in the “Tax Torpedo”
    • 14.4 Understanding the Government Pension Offset
    • 14.5 Understanding the Windfall Elimination Provision
    • 14.6 Summary
    • Chapter 14 Quiz
  • 15
    15. Health Insurance Affordable Care Act: Making Sense of the Marketplace
    • 15.1 Overview
    • 15.2 ACA Background and Impact
    • 15.3 Major Changes Resulting from the ACA
    • 15.4 Understanding Exchanges
    • 15.5 The Definitions
    • 15.6 The Customers, Coverage and Models
    • 15.7 Summary
    • Chapter 15 Quiz
  • 16
    16. Health Insurance Affordable Care Act Exchanges: Functions and Operations
    • 16.1 Functions and Operations Overview
    • 16.2 Qualified Health Plan Certifications
    • 16.3 Enrollment and Eligibility
    • 16.4 Consumer Assistance and Accountability
    • 16.5 Exchange Funding
    • 16.6 SHOPS
    • 16.7 Individual, Employer and Federal Mandates
    • 16.8 Summary
    • Chapter 16 Quiz
  • 17
    17. Health Insurance Affordable Care Act: A Deeper Look at Exchange Coverage Standards
    • 17.1 Coverage Standards Overview
    • 17.2 Essential Health Benefits
    • 17.3 Plan Benefit Levels
    • 17.4 Choosing a Plan Benefit Level
    • 17.5 Other Exchange Plans
    • 17.6 Cost-Sharing Limits
    • 17.7 Underwriting, Community Rating and Premiums
    • 17.8 Summary
    • Chapter 17 Quiz
  • 18
    18. Health Insurance Affordable Care Act: Affordability and Financial Assistance
    • 18.1 Affordability Overview
    • 18.2 Premium Tax Credits
    • 18.3 Cost-Sharing
    • 18.4 Medicaid
    • 18.5 Summary
    • Chapter 18 Quiz
  • 19
    19. Health Insurance Affordable Care Act: A Guide to Shopping on the Exchanges
    • 19.1 Overview
    • 19.2 Enrollment Periods
    • 19.3 SHOP Enrollment Periods
    • 19.4 Summary
    • Chapter 19 Quiz
  • 20
    20. Health Insurance: Affordable Care Act: Consumer Assistance
    • 20.1 Overview
    • 20.2 Navigators
    • 20.3 Certified Application Counselors
    • 20.4 In-Person Assistance Personnel
    • 20.5 Insurance Agents and Brokers
    • 20.6 Navigators vs. Brokers
    • 20.7 Assistance Chart
    • 20.8 Value in Shopping the Exchange Through a Licensed Agent
    • 20.9 Summary
    • Chapter 20 Quiz
  • 21
    21. Health Insurance - Medicare and Medigap: Medicare Background
    • 21.1 Medicare Overview
    • 21.2 A Brief History
    • 21.3 Medicare 101
    • 21.4 Summary
    • Chapter 21 Quiz
  • 22
    22. Health Insurance - Medicare and Medigap: More on Medicare
    • 22.1 Medicare Part A
    • 22.2 Medicare Part B
    • 22.3 Gaps of Medicare A and B
    • 22.4 Expanding Medicare with Parts C and D
    • 22.5 Medicare Part C (Medicare Advantage)
    • 22.6 Medicare Part D (Prescription Drugs)
    • 22.7 Summary
    • Chapter 22 Quiz
  • 23
    23. Health Insurance - Medicare and Medigap: Bridging the Gaps - Medicare Supplement Insurance
    • 23.1 Overview
    • 23.2 History of Medigap Insurance Legislation
    • 23.3 Changes in Medigap Policies Through the Years
    • 23.4 Medigap Policies Standardized Benefits
    • 23.5 Medigap: The Plans
    • 23.6 Medigap Enrollment
    • 23.7 Comparison with Medicare Advantage Plans
    • 23.8 State of Medigap Today
    • 23.9 Medicare Select Policies
    • 23.10 Summary
    • Chapter 23 Quiz
  • 24
    24. Health Insurance - Medicare and Medigap: Selling Medigap Insurance
    • 24.1 Overview
    • 24.2 Medigap Policy Requirements
    • 24.3 Factors for Consumers to Consider When Purchasing Medigap Insurance
    • 24.4 Medigap Plans and Medical Underwriting
    • 24.5 Medigap Pricing Restrictions
    • 24.6 Medigap Required Disclosures
    • 24.7 Sales and Marketing Medigap Policies
    • 24.8 Determining Suitability
    • 24.9 Producer Compensation
    • 24.10 Summary
    • Chapter 24 Quiz
  • 25
    25. Long-Term Care: Understanding Long-Term Care
    • 25.1 Overview
    • 25.2 Long-Term Care: The Basics
    • 25.3 Activities of Daily Living and Instrumental Activities of Daily Living
    • 25.4 Who Needs Long-Term Care?
    • 25.5 The Cost of Long-Term Care
    • 25.6 Summary
    • Chapter 25 Quiz
  • 26
    26. Long-Term Care: Understanding Long-Term Care
    • 26.1 Overview
    • 26.2 Levels of Long-Term Care
    • 26.3 Long-Term Care Settings
    • 26.4 Home-Based Care
    • 26.5 Community-Based Care
    • 26.6 Facility-Based Care
    • 26.7 Summary
    • Chapter 26 Quiz
  • 27
    27. Long-Term Care: Medicaid, Medicare, Medigap and Long-Term Care
    • 27.1 Medicaid Spending
    • 27.2 Medicaid 101
    • 27.3 Medicaid and Long-Term Care
    • 27.4 Medicaid’s Income and Asset Requirements
    • 27.5 “Spend Down”
    • 27.6 Spousal Impoverishment Protection
    • 27.7 Estate Recovery
    • 27.8 Summary
    • Chapter 27 Quiz
  • 28
    28. Long-Term Care: Understanding Long-Term Care Insurance
    • 28.1 Overview
    • 28.2 Long-Term Care Insurance Policies and Coverage
    • 28.3 Benefits and Premiums
    • 28.4 Who Should Buy Long-Term Care Insurance, and When?
    • 28.5 Individual vs. Group Long-Term Care Insurance
    • 28.6 Tax-Qualified and Non-Tax-Qualified Policies
    • 28.7 Summary
    • Chapter 28 Quiz
  • 29
    29. Long-Term Care: Long-Term Care Insurance Policy Features and Benefits
    • 29.1 Overview
    • 29.2 LTCI Eligibility Requirements and Benefit Triggers
    • 29.3 LTCI Policy Design: The Benefits
    • 29.4 LTCI Policy Design: Inflation Protection
    • 29.5 Additional LTCI Policy Benefits and Features
    • 29.6 Summary
    • Chapter 29 Quiz
  • 30
    30. Long-Term Care: Understanding Partnership Programs
    • 30.1 Overview
    • 30.2 Partnership Programs 101
    • 30.3 Partnership Program Legislation
    • 30.4 Partnership Programs and Medicaid
    • 30.5 Developing the Framework for Partnership Programs
    • 30.6 Partnership Program Requirements
    • 30.7 Policy Standards
    • 30.8 Consumer Protection Provisions for PQ Policies
    • 30.9 Minimum Standards for Selling and Marketing PQ Policies
    • 30.10 Summary
    • Chapter 30 Quiz
  • 31
    31. Long-Term Care: Long-Term Care Funding Alternatives
    • 31.1 Overview
    • 31.2 Government Funding
    • 31.3 Self-Funded Long-Term Care Overview
    • 31.4 Home Equity and Reverse Mortgages
    • 31.5 Life Insurance
    • 31.6 Annuities
    • 31.7 Income and Assets
    • 31.8 Health Savings Accounts and Medical Savings Accounts
    • 31.9 Summary
    • Chapter 31 Quiz
  • 32
    32. Long-Term Care: Selling Long-Term Care Insurance
    • 32.1 Overview
    • 32.2 Ethical Considerations
    • 32.3 Unethical Sales and Marketing Practices
    • 32.4 Suitability
    • 32.5 NAIC’s Suitability Standards
    • 32.6 NAIC’s Required Disclosures and Notices
    • 32.7 Suitability and State Partnership Programs
    • 32.8 Replacing a Long-Term Care Policy
    • 32.9 NAIC Recommendations to Consumers
    • 32.10 Summary
    • Chapter 32 Quiz
  • 33
    33. Insurance Ethics in the Senior Marketplace: Understanding the Senior Market
    • 33.1 Overview
    • 33.2 Purpose of the Course
    • 33.3 Defining “Seniors”
    • 33.4 Ethical Considerations in the Senior Market
    • 33.5 Key Issues Facing Seniors
    • 33.6 The Declining of Traditional Sources of Retirement Income
    • 33.7 Understanding Senior’s Needs and Goals
    • 33.8 Summary
    • Chapter 33 Quiz
  • 34
    34. Insurance Ethics in the Senior Marketplace: Working with the Senior Demographic
    • 34.1 Overview
    • 34.2 Helping Seniors Adapt During the Transition
    • 34.3 Understanding the Impact of Aging on Decision Making
    • 34.4 Trust, Loyalty and How Seniors Search for Information
    • 34.5 Key Qualities Seniors Seek in Financial Advisors
    • 34.6 Effectively Communicating with Seniors
    • 34.7 Cognitive Changes in Seniors
    • 34.8 Identifying the “Red Flags” of Cognitive Impairment
    • 34.9 Summary
    • Chapter 34 Quiz
  • 35
    35. Insurance Ethics in the Senior Marketplace: Protecting Seniors
    • 35.1 Overview
    • 35.2 Other Forms of Senior Abuse
    • 35.3 Common Examples of Elderly Scams
    • 35.4 Statistics Regarding Seniors and Financial Abuse
    • 35.5 Signs of Financial Abuse in Seniors
    • 35.6 Elder Abuse Legislation
    • 35.7 Producer Responsibility in Protecting Seniors from Financial Abuse
    • 35.8 Summary
    • Chapter 35 Quiz
  • 36
    36. Insurance Ethics in the Senior Marketplace: Ethical Responsibilities While Working with a Senior Market
    • 36.1 Overview
    • 36.2 The Trend of Senior Designations and Regulations
    • 36.3 Senior Designation Table
    • 36.4 Best Practices, Policies and Procedures in Working with Seniors
    • 36.5 NASAA Model Act and State Laws
    • 36.6 Adhering to a Code of Ethics
    • 36.7 Designing an Eldercare Network to Best Serve Your Clients
    • 36.8 Summary
    • Chapter 36 Quiz
  • 37
    Final Exam
    • Final Exam

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