Long Term Care Partnership Certification
Eight (8) Hours C.E.
This course satisfies the Long Term Care Partnership Training requirements and provides 8 hours of Life, Accident, Health CE credit.
9:00 AM - 6:00 PM
10 minute break per hour
1 hour lunch break
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.
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.
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.
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
The objective of this course is to educate the student about one of the most important social insurance plans in the United States. The student twill learn about the four main benefits provided by Social Security including who qualifies and how they qualify for those benefits. Students will be a basic understanding of how the benefits are calculated, as well as when and if the benefit will be taxed. The future of Social Security will be discussed, followed by an overview of ideas put forth to save the program by those responsible for it.
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.
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.
Course content includes explanation of what COBRA is, its purpose and how it is enforced. Also covered will be criteria for compliance, who must comply, the qualifying events that make COBRA necessary, how long it can last and benefits covered, as well as not covered. The last portion of the class will explain the responsibilities of both employer and the beneficiary. Penalties for COBRA non-compliance will also be discussed.
This course explains the different types of business entities. Upon completion of the course, the student will be able to explain the importance of a buy/sell agreement to a business owner and determine what type of agreement would be appropriate for each type of entity. Taxation of premiums and proceeds of an insurance funded by a buy/sell agreement will also be covered. Key Employee Insurance will also be discussed and will include funding options, taxation of premiums, proceeds from a life insurance policy, and how to identify who is a key employee. Business Overhead Expense policies will be reviewed, as well as different types of overhead expenses covered by such a policy.
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.
The Homeowners course covers the eligibility guidelines for the six major policies in the HO 2000 program that cover homeowners, renters, and owners of condominiums or cooperatives. The Homeowners 2, broad form (HO-2) policy is a named-perils policy that specifically covers perils enumerated in the policy including, windstorm, lightning, or hail and fire.