1. Business Insurance

This course’s purpose is to educate the insurance professional in the business insurance market. This guide will explain the various types of business arrangements and how life insurance fits in to solve many of the business person’s problems and concerns for the future.

This course deals with qualified and nonqualified pension plans for your clients. It takes about sole proprietorships, partnerships and corporations. Key person insurance, deferred compensation and executive bonus are discussed. Split dollar is delved into as well as group life insurance and group health.

2. Insurance Laws and Ethics Not approved in Florida

This course is designed to acquaint the insurance agent, both property/casualty and life/health agents, with the laws and ethics which govern the insurance industry.

We discuss who regulates the industry and what is regulated. We then discuss the laws pertaining to you the agent, the policyholder and the company. A section is devoted to the laws pertaining to tax code. The final section deals with ethics.

3. Today’s Annuities

This course goes into great detail about annuities. It describes all the annuities available in today’s marketplace. It discusses classification of annuities. It also discusses advantages as well as disadvantages of annuities as opposed to life insurance. Finally, the taxation of annuities is discussed.

4. Model Illustration Regulation

This course educates the insurance agent about the new Life Insurance Illustration regulation, which was adopted by the NAIC on December 4, 1995, and takes effect in some states on January 1, 1997. This model regulation is going to significantly change the way the agent presents illustrations to his/hers clients. The course deals with rules of the regulation and the ramifications it has for agents and their companies. General ethical principles are also discussed.

5. Long-Term Care Insurance

This course educates the agent on Long-Term Care Insurance. It deals with federal programs that do not adequately provide for long term care cases, ( Medicare, Medicaid .) LTC is discussed in detail concerning, policy provisions, care levels, benefit triggers, underwriting and conversion coverage’s. This course includes the NAIC, LTC Model Act, so the agent knows legislatively what is legal with regard to Long-Term Care.

6. Current Life Concepts and Products Not Approved in Florida

This study guide picks up where your original licensing course leaves off. It goes into more detail concerning the industry today. It discusses the new products, which are being sold in today’s marketplace.

This course deals with a thorough discussion of all settlement options available as well as the complex nature of designating a beneficiary. Provisions protecting yourself, your client and your company are explored, as well as the provisions regarding surplus/excess interest distribution. This course is an excellent review, with emphasis on the new innovative type products available today.

7. Property Casualty Insurance Laws and Ethics Florida Agents Only

This course educates the property casualty agent, with laws and ethics which govern the industry. We discuss who regulates the industry and what is regulated. A section is devoted to the laws pertaining to the tax code. The final section deals with ethics.

8. Florida Insurance Rules and Regulations Florida Agents Only

This course educates the agent on current rules and regulations that govern the insurance industry in the State of Florida. The two-hour course updates the agent on the latest legislative changes in the insurance business. Florida Rules and Regulations are not required by the State of Florida but the course receives 2 credits and counts as ordinary credits.

9. Life and Health Insuarnce Laws and Ethics Florida Agents Only

This course educates the agent on both state and federal regulations, laws pertaining to the agent, policyholder, and insurance companies. It deals with tax laws regarding: constructive receipt, transfer for value, sole proprietorship, partnerships, key man, annuities, and estate planning. The course includes general ethical principles for life agents and information on IMSA, Insurance Marketplace Standards Association and its Six Principles of Ethical Market Conduct.

10. Personal Auto Insurance

This course educates the agent on everything they need to know about Personal Auto Insurance. Each section of the Personal Auto Policy is included for review. Each section of the PAP is reviewed with regard to definitions, insuring agreements, limit of liability and exclusions. No-fault insurance is examined as well as uninsured motorist’s coverage. Numerous endorsements are included covering everything from antique cars to foreign travel.

11. Health Insurance Laws and Ethics

This course is designed to acquaint the life and health agent with the laws and ethics which govern the insurance industry.

We discuss who regulates the industry and what is regulated, The Health Insurance Portability and Accountability Act is covered along with the NAIC Long-Term Care Insurance Model Act.

12. Managed Health Care

This course deals with the latest trends, products and concepts in managed health care and group health plans. Key issues include the causes of skyrocketing medical costs medical costs and shows how managed care addresses the problem. Health Maintenance Organizations (HMOs), Independent Practice Associations (IPAs) and Preferred Provider Organizations (PPOs) are all discussed in detail.

13. Commercial Property & Casualty Insurance

This course covers the basic commercial package policy. General liability insurance along with business continuation planning and business income loss exposure is discussed. The following topics are also discussed; commercial crime, commercial boiler and machinery, ocean marine, farm, ranch, and crop. Finally, business owners insurance and umbrella liability insurance are covered.

14. Variable Products

This course discusses variable life insurance, variable second-to-die, adjustable life insurance. It takes about variable universal life insurance as well as the variable annuity portfolio.

15. Unauthorized Entities Florida Agents Only

This course discusses the sale of unlicensed or unauthorized companies marketing insurance products in the State of Florida. This course explains how these companies commit fraud in selling these unlicensed and unauthorized products. The course details legal problems for agents who market these products, such as jail time and financial penalties.

16. Florida Ethics Florida Agents Only

This course satisfies the new three hour Florida ethics requirement. It deals with the ethical practices which should be a part of every agent’s business practices. It discusses the agent’s responsibilities to his/her clients and to his/her company.

17. Ethics and The PATRIOT Act

This course informs the agent on the PATRIOT Act. Insurance companies and agents are now required by law to help fight terrorism, by being vigilant in dealing with their clients. The course deals with the issue of money laundering and how The PATRIOT ACT prevents this activity. This course give you the guidelines and procedures, that you the agent, are required to adhere to. This course also deals with ethical practices that should be apart of every agent’s workplace activities.

18. Life Insurance Concepts

Life Insurance Concepts is a course designed to update the agent with the latest concepts in the life insurance industry. This course gives the experienced agent information on various life insurance products. The course explains key issues such as underwriting and risk classification. It gives the agent an understanding of business insurance needs, group insurance, pension plans, and estate planning. It reviews legislation and regulation with regards to: ERISA, TRIA, and GLBA and tax treatment of premiums and proceeds are reviewed.

Note: Licensed agents with advanced industry designations.

The following courses have been accepted by the Certified Financial Planner Board of Standards, Inc., for the number of continuing education credit/hours indicated. Note: There is a $10 filing fee for each CFP certificate.

Please check the Richards Education Service state approval page for the courses approved in your state.