This course provides an overview of the ethical issues facing the insurance industry and its agents today. The course addresses key issues facing insurance professionals and sets forth basic ethical standards, both expected and mandated by North Carolina law. Key issues such as full disclosure, fiduciary responsibility, advertising, and acting responsibly and professionally are emphasized.
High Risk Property & Workers Comp in NC
Three (3) Hours C.E.
This course is designed to acquaint agents and adjusters with the methods used in North Carolina to insure risks that may not be accepted on a voluntary basis by insurers.
Part I of the course provides a brief history of the Medicare program as it was originally created in 1965. The course provides an in-depth overview of the coverage provided in Medicare A & B. The financing mechanism for Original Medicare is discussed as well as the penalties for failure to enroll when first eligible and failure to pay the premiums. Key legislation affecting Original Medicare in recent years is also discussed.
Part II defines Medicare supplement insurance and how the policies fill in the gaps which leave seniors on Medicare vulnerable. While underage eligibility is mentioned, this course concentrates on individuals who are 65+ years old. The 12 different Medicare supplement plans are discussed and what is covered by each plan. North Carolina law pertaining to Medicare supplement insurance is discussed with an emphasis on key elements such as enrollment periods, open enrollment, The Buyer’s Guide, tax qualified plan rules and eligibility. Federal standards will also be discussed.
The mandatory Flood Insurance course gives a brief history of Flood Insurance Including the Mississippi River Commission and the various Flood Acts since 1936. Usage of the numerous forms associated with a flood policy is discussed in detail. The requirements to comply with the Flood Insurance Reform Act of 2004 are detailed including the forms required by the Act. Flood Insurance rating and claims handling are discussed, outlining a policyholders responsibilities when filing a claim.
Breaks are 10 minutes each hour.
This course will give students a basic understanding of the Roth IRA and will cover the differences between the traditional IRA as compared to the Roth IRA. The course also outlines the important factors one needs to understand when considering contributing or converting a Roth IRA.
This course will introduce the Surplus Lines Insurance market in North Carolina. We will study various aspects of the industry including the history of the industry, how the surplus lines or non-admitted insurer differs from the admitted insurer and how the surplus industry is regulated. We will also look at the agent licensing process, the role of intermediaries and the role of the surplus lines insurer as it relates to the standard admitted insurer.
Long Term Care Partnership Certification Refresher
Four (4) Hours C.E.
This course is the mandatory refresher course required for the Long Term Partnership Certification.
1:00 pm - 5:00 pm
10 minute break per hour
Auto insurance is one of the most common and important types of insurance sold to consumers. Students taking this course will learn why auto insurance is mandated by examining the basis of legal liability and who the auto policy protects them from that liability. Topics covered include, uninsured Motorist, medical payments and collision insurance. The various endorsements that can be added to a policy are discussed as well as the general policy provisions of an auto policy.