INSURANCE CAREER TRAINING, INC. - CE COURSE DESCRIPTIONS


Errors and Omissions Insurance        3 CE Hours

This course examines what an Errors and Omissions policy is and how it functions. It reviews the concept of agent negligence and how it can
lead to professional liability claims. The course outlines duties toward the company or companies the agent represents and the responsibilities
agents have toward their prospects and clients. Also examined are types of Errors and Omissions claims made against agents, which often must
be defended in a court of law.


Ethical Conduct and Suitability        3 CE Hours

This course analyzes the criminal case that the state of California brought against insurance agent Glenn Neasham. Glenn was a licensed Life
Insurance agent in the state. He sold an annuity to an elderly lady. He was later investigated, and prosecuted for that sale under an indictment for
theft from an elderly person. This was a precedent-setting charge against an insurance agent. The course reviews how the sale transpired, the
actions Glenn took, and a special focus and emphasis on the ethics of the sale and the suitability questions that arose.


Ethics and Your Insurance Career        3 CE Hours

This course starts by giving a broad and thorough explanation of ethics for the professional insurance agent today. It covers the process of
creating an ethical code of conduct satisfactory to the expectations of our regulators, companies, and the general public. Course topics include:
“How ethical are we?,” and “What does ethics entail?” The course outlines our ethical weaknesses, the role of ethics in our industry, and the
expectations of the general public toward agents today.


Ethics In the Insurance Industry        3 CE Hours

This course clarifies the differences between morals and ethics, how they’re related, and the focus of regulations in regards to these concepts.
The discussion reviews the expectations on corporate and agent conduct in the field of insurance. Specific duties are reviewed that must be
fulfilled to achieve the expectations and requirements placed on the industry by regulators and an informed public.


Family Insurance Needs Workshop        6 CE Hours             

This course covers some of the most important financial needs a family might face, including the death of a breadwinner, retirement planning,
educational funding for children, and disability income. A thorough review of the major crisis issues revolves around these needs: survivor
needs, the role of life insurance and how the different types of life insurance work, retirement needs and preparing for retirement, the costs and
funding methods to prepare for your child’s secondary education, and the possibility of an injury or illness that doesn’t kill you but instead
disables you.


Fundamentals of FEMA Flood Insurance        3 CE Hours  
 
Floods can happen at any time and anywhere. A flood is physically and financially devastating. This course takes an in-depth look at how the
government-backed flood program and flood insurance works. The course reviews the National Flood Insurance Program and the role of FEMA
as the managing government agency. Included is a discussion of the process a community completes to become a member of the NFIP, the
designation of flood zones, the coverages and exclusions of the policy, and how this protection fits in with existing homeowners and building
insurance.


Fundamentals of Annuities        4 CE Hours

Annuities can be an important product to help one achieve peace of mind and financial security a person is seeking for their retirement years. It
is one of the most misunderstood financial products on the market today. This course lays bare what’s really going on inside the product and
debunks some of the myths and misconceptions in the minds of the general public. The course reviews the inner workings of annuities, the
different types of annuities, tax ramifications, and how the annuitization process works.


Fundamentals of Dwelling and Homeowners Policies         3 CE Hours

This course is an overview of these two policies, reviewing similarities between the two. Included is a discussion of why and when you’d
purchase a dwelling policy rather than a homeowners policy. The primary course discussion is on the property side: how these two policies
provide similar coverage, and the differences between the two.


Fundamentals of Life Insurance        6 CE Hours     

Life insurance is arguably one of the most important financial products a person can purchase, yet it’s easy for people to put off the decision to
protect their families. This course reviews the different types of life insurance policies, how they’re different, the major features, and some
misunderstood policies on the market. Time also is spent on policy options, conditions, and tax ramifications.
Fundamentals of Long-Term Care Insurance        8 CE Hours
The aging of the American population is bringing the topic of long-term care - and its related fears - to the forefront of people’s minds. This
course outlines what long-term care is and what it isn’t, the benefits and features of the policy, and the types of LTC policies on the market today.
The course discusses alternative strategies for financially managing a potential long-term care stay and reviews why people need to take action
today to protect themselves from future financial devastation based on long-term care needs.

Fundamentals of Long-Term Care Insurance        8 CE Hours

The course provides an expanded view of the aging of America and the financial and physical stress it places on families and institutions that
care for the elderly. The financial toll is heavy on those who have not prepared for the eventuality of having a health crisis in their elder years.
LTC Insurance offers a remedy to handle those life events. The course addresses the typical policy features and benefits found today and
reviews alternatives to finance the cost of extended care without experiencing financial ruin.


Fundamentals of Personal Lines Insurance        6 CE Hours

This fundamentals course covers the basics of creating a Personal Lines policy. There are “behind the scenes” concepts at work for these
policies to function properly for the benefit of both parties to the contract: the insured and the insurer. The course reviews insurable interest,
contracts of indemnity, two-party contracts vs. third-party contracts, limits of liability and how sub-limits apply within an overall aggregate limit of
coverage. The course explains terminology and definitions within the policies. The course outlines the different types of insurance organizations
that market these products and how they differ.


Fundamentals of Social Security and Medicare        4 CE Hours

Social Security has evolved throughout the decades of its existence. The course covers the current issues concerning retirement benefits, and
strategies for maximizing your benefits. It outlines benefits for family members, survivor’s benefits, SSI benefits, and disability income benefits.
Included is a discussion of the misconceptions and challenges in qualifying for the benefits. All aspects of Medicare are reviewed as well,
including enrollment rules, benefits and features.


Identity Theft        4 CE Hours

Most people have been a victim of Identity Theft, or know someone who has. Insurance agents need to stay current on this fast-growing and fast-
changing crime in order to properly advise clients on proper risk management and the scope and ramifications of Identity Theft. The course
explains Identity Theft, how it happens, and the consequences of falling victim to it. Also reviewed are ways to minimize exposure, what to do if
you have become a victim of Identity Theft, and insurance remedies for Identity Theft.


Insurance Contracts and Liability        4 CE Hours

This course reviews how insurance policies are designed, focusing on the contractual aspect rather than the policy benefits. Insurance policies
are contracts with conditions, definitions, and terms that make clear that the benefits paid are based on the language of the contract. If there is a
disagreement over whether benefits should have been paid, the insured always has the right to take the insurance company to court. Courts will
always make a determination based on the language of the contract.


Understanding Disability Income Insurance        1 CE Hour

This course covers the basics of Disability Income insurance. It reviews the need for disability income protection, policy design features, how
the policy works, and disability policy terminology. The course reviews underwriting, occupational definitions, benefit amounts, benefit periods,
elimination periods and benefit integration with Social insurance.


Understanding Homeowner’s Policy Endorsements        7 CE Hours

The Homeowners policy is a package policy that offers many coverages. However, there are limitations and exclusions within the policy. Many
policy endorsements are offered by insurance companies to offer additional coverages not provided in the base coverage package. This course
reviews many of the available policy endorsements and addresses gaps and limitations in coverage within the standard policy.


Understanding Insurance Fraud       4 CE Hours

Insurance fraud costs the insurance industry and consumers billions of dollars each year. This course defines insurance fraud and outlines who
commits it and how much it costs society. The course reviews many insurance scams and how they are executed through different policies.
This review provides insight into why various fraud schemes are committed and how the criminals benefit from them. This is a timely and topical
“expose-style” course.


Understanding Insurance Principles        7 CE Hours

This is a fundamentals approach to understanding the primary insurance principles that dictate how the insurance industry and insurance
policies work. The course describes the different types of insurance organizations that market our products. It reviews the basic principles at
work that often and taken for granted or misunderstood by the public. The course outlines different lines of insurance and what separates them.
Contracts are explained, including an overview of their terms and conditions. The course includes a discussion of the role of insurance agents
and their responsibilities in the insurance process.


Understanding Long-Term Care Insurance        5 CE Hours

The course reviews the aging of America and the financial and physical stress it places on families and institutions that care for the elderly. The
financial toll is heavy on those who have not prepared for the eventuality of having a health crisis in their elder years. LTC Insurance offers a
remedy to handle those life events. The course addresses the typical policy features and benefits found today and reviews alternatives to
finance the cost of extended care without experiencing financial ruin.


Understanding Loss Prevention        1 CE Hour

To understand how to prevent losses you must first understand where the sources of loss. This course outlines the types of risk people are face
daily. Various policy types are identified, with major causes of loss explained for each. The course reviews loss exposure in the context of those
policies, and how individuals can become aware of, and hopefully avoid, loss exposures. The primary policies discussed are the Personal Auto
Policy and the Homeowner’s Policy.


Understanding Medicare Supplements         3 CE Hours

Most Americans will enroll in the Medicare program. Medicare offers a lot, but it also lacks a lot, for medical care for senior citizens. Medicare
Supplements, also called Medigap policies, were designed to help cover those costs not covered by Medicare. This course reviews the current
ten standard Medicare Supplements being marketed today, outlining the different parts of Medicare and the coverage gaps they address. The
course reviews how the different policies are designed to address those gaps. The course demonstrates how Medicare Select works. Also
discussed are eligibility rules, enrollment rules, switching from one policy to another, and your rights and protections.


Understanding Social Security        3 CE Hours

This course explains the major features of the Social Security program. Social Security is a government program designed to financially assist
the senior population in their retirement years. Even though most Americans will eventually participate, many have a limited knowledge of how
the program functions. The course outlines major benefits available, eligibility rules to receive those benefits, strategies to maximize benefits,
and limitations of the program. The course dispels some of the myths surrounding the difficulty, or ease, of qualifying for benefits, especially
disability income benefits.


Understanding the Homeowners Policy        7 CE Hours

Homeowners Insurance is one of the most-purchased insurance industry products. Many people purchase this insurance but do not
understand the features and benefits of the policy and how it is administered. The course outlines both basic and advanced concepts of the
policy. The course reviews benefits provided, the various parts of the contract, what policies are available, and the differences between them.
The course discussion outlines the levels of peril coverage available, conditions found in the policies, and the difference between property and
liability coverages.


Understanding the Personal Auto Policy        7 CE Hours

This course provides a thorough review of the auto policy contract, including the major terms and definitions, how the policy is constructed, and
the benefits in each section of the policy. The course reviews concerns and misunderstandings within the standard policy frequently
encountered. A discussion of auto policy exclusions is featured in the course.


Understanding the Personal Umbrella          6 CE Hours

Umbrella insurance is an “undersold” policy in today’s insurance market. This course covers the problem of living in a litigious society. The
course outlines how the Umbrella Policy can be of benefit, how it works, and how it coordinates with other personal liability policies. We cover
the key concepts and terms involved, and how the policy differs from other liability policies. This course provides knowledge designed to
position insurance producers to discuss the umbrella policy with clients.