Chartered Financial Analyst

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Individual Courses

Provider: Quest Continuing Education Solutions Show Dual Credit Only
4 Hour Annuities Training Course (CE)
$14.95
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General: 4 Credits

This course is designed to provide the required information to meet your state annuity training course requirement. Consumer recommendations regarding the purchase or exchange of an annuity must be suitable and beneficial to that consumer, based on the consumer's suitability information. Suitability is determined by gathering information related to risk tolerance, financial liquidity and other factors that determine whether or not the annuity being recommended is suitable for the particular consumer. Agents may not dissuade a consumer from providing correct and complete information.

Training Topics

- Types of Annuities - The Parties to an Annuity - Annuity Contract Provisions - Interest Rates - Withdrawal/Surrender Waivers - Annuitization Options - Principal Guarantees - Indexing Crediting Strategies - Consumer Annuity Options - Tax Deferred Growth - Investing in Retirement Assets

A Professionals Guide to Ethical Decision Making (CE)
$14.95
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Ethics: 2 Credits

DOES NOT MEET THE CFP BOARD OR CALIFORNIA ETHICS REQUIREMENT. This course will provide an overview of the characteristics of ethics and professionalism. Topics included are the standards by which a professional should be judged and a study of ethics on its philosophical and compliance levels. FL Agents: Eligible License CE9900 Generic Life/Health and Variable | Advanced

Training Topics

- Valuing Professionalism - Standards of Professional Conduct - Understanding Ethics - Compliance and Professionalism - Business Ethics

Dual Credit

APA
ASPPA
CFFP
NAPA
NTSA
PRP
Advanced Asset Allocation Strategies (CE)
$14.95
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General: 3 Credits

Establishing an appropriate asset mix is a dynamic process and it plays a key role in determining a portfolio's overall risk and return. As such, a portfolio's asset mix should reflect the client's goals at any point in time. There are a few different strategies for establishing asset allocations. This course will review the key models and help the financial advisor develop an asset allocation strategy that is appropriate given the individual client's needs. * This course is not Texas classroom equivalent. Florida Agents: Eligible License CE 9901 - Generic Life and General Lines | Intermediate. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 85959

Training Topics

- Assessing Risk Tolerance - Strategic Asset Allocation - Tactical Asset Allocation - Core-Satellite Asset Allocation - Asset Allocation and Annuities - Retirement Asset Allocation - Asset Allocation and Life Insurance

Dual Credit

AIF
APA
ASPPA
CFP
CRC
CFFP
IWI
NAPA
NTSA
PRP
Annuities Essentials (CE)
$14.95
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General: 3 Credits

The CE credits for this course do not apply toward the 4-hour annuity training requirement. Section I Objectives: Explain basic annuity terms, payout options, and benefits; the annuity's role in an aging America; annuity taxation; the three annuity types (fixed, variable, and equity-indexed (EIA)). Section II Objectives: Compare fixed, equity-indexed, and variable annuity features; advantages, disadvantages, and workings of each product type; and, common product features and calculation methods. Section III Objectives: Explore marketing and suitability choices; typical clients for fixed, variable, and equity-indexed annuities; "Annuity Advantage" uses (such as split annuities and control from the grave); legal and ethical considerations when determining suitability. * This course is not Texas classroom equivalent. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 46814

Training Topics

- Basics of Annuities - Fixed - Variable and EIA - Marketing Opportunities - Who is Buying Annuities

Dual Credit

APA
ASPPA
CFP
CRC
CFFP
IWI
NAPA
NTSA
Annuities in Retirement Planning (CE)
$14.95
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General: 1 Credit

This course is designed to provide an understanding of the roles and structures of different types of annuities, as well as important considerations when recommending an annuity: features, risks, benefits, costs, and suitability factors. This course also discusses important tax considerations including tax deferral and recharacterization of taxable income upon distribution, and the regulatory pitfalls of recommending annuities to fund other types of already tax-deferred investment vehicles including IRAs. Florida License Eligibility: 9900 Generic Life/Health/Variable - Misc Subjects | Intermediate. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 98251

Training Topics

- The role an annuity could play in retirement income planning Roles and rights of three parties to annuity contract (owner, annuitant, and beneficiary) - Characteristics of an annuity including common riders and fees - Benefits of tax deferral with annuity products and potential recharacterization of taxable income upon distribution, from capital gains income to ordinary income - Pros and cons of placing annuities in a tax-deferred account, e.g. an IRA

Dual Credit

APA
ASPPA
IWI
NAPA
NTSA
Annuities Today (CE)
$17.95
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General: 6 Credits

The CE credits for this course do not apply toward 4 hour annuity training requirement. "This course is designed to introduce financial planners and insurance professionals to the world of annuities." It looks at the development and distribution of the product. It differentiates between fixed and variable annuities, immediate and deferred annuities, and flexible and single premium annuities. It also examines the marketing aspects of annuities and how insurers invest in this retirement vehicle; and finally, it examines current and past tax treatment of annuities. * This course is not Texas classroom equivalent. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 76562

Training Topics

- What are Annuities - How Annuities are Used - Taxation of Annuities - Tax Sheltered Annuities - Variable Annuities - Equity Indexed Annuities - Function and Uses of EIAs - Disadvantages of Annuities - The Financial Strengths of Insurers

Commercial Auto Insurance: Understanding the Coverages (CE)
$17.95
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General: 4 Credits

Small businesses often need commercial auto policies to account for risk exposures that go beyond the scope of personal auto insurance policies. Knowing the difference between commercial policies and personal policies is important for agents who work with businesses. In this course, we'll cover information about small businesses auto risks and the different types of coverage that can be provided to mitigate those risks. We'll go over standard business auto policies as well as auto dealers coverage forms, both of which are issued by the Insurance Services Office. We'll discuss coverage issues, endorsements used with policies, and analyses of both the auto dealers coverage form and business auto policy. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 107644

Effects of Market Uncertainty on Retirement Planning (CE)
$14.95
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General: 1 Credit

This course will help the students understand the psychological and financial impact that market volatility has on consumers and on the retirement planning process. It discusses how variable products can provide tools and solutions to mitigate the effects of market uncertainty on retirement portfolios. Asset allocation, dollar cost averaging, guaranteed living benefits and other ideas will be discussed as they relate to long-term retirement planning under all types of market conditions. * This course is not Texas classroom equivalent. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 46032

Training Topics

- Market Uncertainty and Investor Reaction - Long-Term Nature of Variable Annuities - Buy and Hold Strategy - Dollar Cost Averaging - Slit Averaging Strategy - Death Benefit

Dual Credit

APA
ASPPA
C(k)P
CFFP
NAPA
NTSA
Equity Indexed Annuities (CE)
$14.95
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General: 2 Credits

In offering a look at some of the unique options annuities offer, Equity Indexed Annuities will help financial professionals gain a comfort level when discussing the product with suitable clients. The course also covers the role of fixed annuities in retirement planning as well as a look at the evolution of indexed products. * This course is not Texas classroom equivalent.

Training Topics

- Investment Horizon - Fixed Annuities Features - Participation Rate - Fund Averaging in a Point-to-Point Design - How Design and Features Affect Participation Rate - Buyer Profile - Presenting the Equity Index Annuity to Clients

Dual Credit

APA
ASPPA
CFP
CRC
CFFP
IWI
NAPA
NTSA
PRP
Estate Planning (CE)
$14.95
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General: 4 Credits

Estate planning is the process in which consideration is given to accumulating and allocating income and assets for the purpose of creating a better quality of life for an individual and others during life and for their heirs after death. To achieve the goals sought by estate planning, the accumulation and retention of income and assets must be accomplished by avoiding the severe impact of income, estate and gift taxes, as well as ensuring the desired disposition of assets at death. This course will provide you an understanding of the key components of estate planning to allow you to create the appropriate financial plan for your client. * This course is not Texas classroom equivalent. FL Agents: Eligible License CE 9900 - Generic Life/Health and Variable | Intermediate. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 86019

Training Topics

- Value of Estate Planning - The Estate Planning Process - Property Transfers Upon Death - Estate Planning Documents Types of Trust Used in Estate Planning - Estate and Gift Tax Basics Life Insurance and the Estate Plan

Dual Credit

AIF
ASPPA
CFP
CRC
CFFP
IWI
NAPA
NTSA
PRP
Ethical Standards for Producers (CE)
$17.95
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Ethics: 3 Credits

On completing this course, producers will be able to understand the importance of ethics in the insurance industry. Producers will learn the standards and requirements they are to uphold and how to successfully implement these when dealing with both clients and insurance companies. This course will allow the producers to create both a personal and professional code of ethics that they can follow in each and every aspect of their business. * This course is not Texas classroom equivalent.

Training Topics

- Ethics in Modern Society - Ethical Decision Making - A Personal Code of Ethics - Standards of Ethical Behavior - Professionalism - Requirements of Professional Ethics - Public Expectations and the Insurance Industry - Ethics and Insurance Producers

Dual Credit

APA
ASPPA
NAPA
NTSA
Ethics and Professional Conduct (CE)
$14.95
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Ethics: 2 Credits

This course covers some of the basics of ethics, including offering a glance at past legislation that has brought us to where we are today. By also outlining the importance of the professional, this course gives a concrete explanation of the importance of ethics to today's financial professional.

Training Topics

- Valuing Professionalism - The Armstrong Investigation of 1905 - Stock Market Reforms - Compliance and Professionalism - What is Professionalism - The Pursuit of Excellence - Helping the Client Understand Ethics

Dual Credit

APA
ASPPA
C(k)P
IWI
NAPA
NTSA
Ethics and the Insurance Industry (CE)
$39.95
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Ethics: 14 Credits

This course includes an overview of a variety of topics related to state and federal laws, including unfair trade, sales, underwriting and claims practices, false or misleading advertisements, privacy protection acts, fraud awareness and many other topics. These topics will provide all agents with a firm understanding of what it means to use ethical decision making and how it will help them be a better agent and person.

Training Topics

- Insurance Industry Regulation - Unfair Trade Practices - Rebates and Inducements - The Agent as a Fiduciary - Ethical Selling - Marketing and Advertising - Disclosure - The Insurers Responsibilities to Policyholders - Agents and Underwriting - Policy Replacement

Ethics for the Financial Services Professional (CE)
$14.95
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Ethics: 3 Credits

This course will provide an overview of the characteristics of ethics and professionalism. Topics included are the standards by which a professional should be judged and a study of ethics on its philosophical and compliance levels. * This course is not Texas classroom equivalent.

Training Topics

- High-Quality Workmanship Education - Uncompromised Values - Pursuit of Excellence - The Past as Prologue to the Future - New Standards for Ethical Conduct - Ethics on a Compliance Level - Valuing Compliance and Market Conduct

Dual Credit

APA
ASPPA
IWI
NAPA
NTSA
Fixed & Variable Annuities vs Mutual Funds (CE)
$14.95
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General: 2 Credits

This course compares and contrasts fixed annuities, variable annuities, and mutual funds. It describes each type of product and the reason why people buy them. The course also offers an in-depth analysis of variable annuities and mutual funds including advantages of each and a comparison of performance. This course assumes a basic knowledge of annuities and mutual funds and, as a result, is designated an intermediate difficulty level. FL Agents: Eligible License 9CE 2-14 - Life and Variable Annuity | Advanced. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 45996

Training Topics

- Investment Safety - Inflation Protection - Marketing Performance - Main Reasons People Buy Mutual Funds - Mutual Fund Advantages - Variable Annuity Advantages

Dual Credit

APA
ASPPA
CFFP
NAPA
NTSA
Income Planning for Heirs: Annuity Contract Structure (CE)
$14.95
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General: 3 Credits

By taking a look at the roles and rights of the three parties (owner, annuitant and beneficiary) along with some of the major variations found in different annuity contracts, this course covers many important aspects of income planning for heirs. It will also help the financial advisor better understand the various outcomes of the available annuity contracts and recognize the disposition and tax consequences of each scenario. A beginner's prerequisite of the knowledge of annuities designates this course as 'intermediate.' * This course is not Texas classroom equivalent.

Training Topics

- Owner - Annuitant - Beneficiary - Death Benefit - Understanding the Contract - The Income Phase of an Annuity - Fixed Payments - Taxation of Income Payments - Stretch IRA Technique

Dual Credit

APA
ASPPA
CFP
CRC
CFFP
IWI
NAPA
NTSA
Income Planning for Retirement (CE)
$14.95
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General: 4 Credits

The objective of this course is to provide an understanding of the need for planning for retirement income needs as a part of the financial planning process. The topics covered include the need for planning, asset allocation, annuitization, and payout options available. The course concludes with an enumeration of the steps that need to be taken to plan for retirement income, including a detailed case study. * This course is not Texas classroom equivalent.

Training Topics

- Current Market Statistics - Money for Retirement - Future Income Needs - The Time Value of Money - Risk Tolerance - Types of Risk - Measuring Risk - Erosion of Purchasing Power - Tax Traps - Choosing a Type of Payout - Asset Allocation

Dual Credit

AIF
APA
ASPPA
C(k)P
CFP
CRC
CFFP
IWI
NAPA
NTSA
PRP
Life Insurance Today (CE)
$39.95
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General: 24 Credits

This course takes a comprehensive look at life insurance and how it can be a means of attaining financial security during life and after death. It explains the many applications of life insurance products and how their flexibility allows them to cover a wide range of clients' needs. * This course is not Texas classroom equivalent. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 66885

Training Topics

- Term Insurance - Cash Value Insurance - Endowment Insurance - Health Insurance - Group Insurance - HMOS - Planning for Retirement - Annuities - Long Term Care Insurance - Estate Planning Tools - Common Riders - Paying for College - Wills, Probate and Trusts

Life Settlements (CE)
$14.95
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General: 1 Credit

At the completion of this course agents will understand the concept of a life settlement and the potential benefits they may offer to certain clients.

Training Topics

- What is a Life Settlement - Reasons for a Life Settlement - Tax Implications - Regulatory Environment - NAIC Model Regulation

Dual Credit

ASPPA
IWI
NAPA
NTSA
Planning for Senior Needs (CE)
$14.95
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General: 5 Credits

In 2011 the Baby Boomer Generation began turning 65. Those who have not reached this hallmark age are all in their 50s. This generation is the largest of the U.S. population. The growth of this senior population is unlike anything our country has seen. Unfortunately, it is going to come at great expense. The purpose of senior needs planning is to identify and fund a specific and comfortable amount of net annual retirement income. This course is designed to help financial professionals understand the various risks and challenges today's retirees face and teaches you how to develop a plan for your clients so they may sustain their lifestyles throughout retirement. Due to the prerequisite of a thorough understanding of all available investment vehicles, this course is designated as Intermediate *This course is not Texas classroom equivalent. FL Agents: Eligible License CE 2-18 - Life and Health | Intermediate. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 83757

Training Topics

- Retirement Income Needs - Minding the Gap - Reverse Mortgage - Inflation - Annuity Payout Options - Paying Current Tax on Your Lump-Sum Payment - Questions about Distributions - Tax on Early Distributions from Retirement Plans, other than IRAs - Settlement Options, Annuities - Premiums - Social Security - Healthcare Needs - Legal Protection

Dual Credit

AIF
APA
ASPPA
CFP
CRC
CFFP
IWI
NAPA
NTSA
PRP
Principles of Asset Allocation (CE)
$14.95
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General: 4 Credits

This course provides an understanding of the concepts of asset allocation and its importance in financial planning. The topics covered include the definitions of asset allocation and asset classes, the concepts of risk and how they relate to the asset allocation process, and a discussion of the client information that is needed to properly allocate the client assets.

Training Topics

- Value-at-Risk - Volatility & Standard Deviation - Correlation - Diversification - Reduction of Portfolio Risk - Value of Diversification - Investor Objectives - Liquidity - Risk Tolerance - Indifference Curve - Time Horizon

Dual Credit

AIF
APA
ASPPA
CFP
CRC
CFFP
IWI
NAPA
NTSA
PRP
Property & Casualty Essentials (CE)
$14.95
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General: 5 Credits

This course was developed to meet the continuing education requirements of insurance professionals who need a basic understanding of property and casualty (P&C) insurance and the coverage that P&C includes (eg, homeowners, workers' compensation, auto insurance). FL Agents: Eligible License CE 2-20 - General Lines (Property/Casualty) | Intermediate. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 94125

Training Topics

- Ethics - Policies - Endorsements - Exclusions - Perils - Contracts - Conditions - Inclusions - Protections - Terminology - Benefits - Risks

Dual Credit

ASPPA
NAPA
NTSA
Property & Casualty Insurance Fraud and Red Flags (CE)
$17.95
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General: 6 Credits

The topic of this course applies to everyone in the insurance industry. Whether in personal, commercial or wholesale insurance, claims or underwriting, adjusting or producing, everyone is affected by insurance fraud. Inevitably, successful, undetected scams translate into higher premiums for even the most honest customers. To keep what we can at bay, those working in the industry need to be educated in detecting, recognizing and preventing insurance fraud. As sophisticated as insurance fraud prevention methods can be, criminals can become just as sophisticated in their methods of defrauding that system. This course reviews red flags that show themselves in various property and casualty markets. From the garden variety fraud we've all read or heard about (like padding a claim), to more deviant, thought-out frauds that can ruin innocent, unsuspecting people, red flags are often there for the trained eye to see. FL Agents: Eligible License 0220 General Lines (Property/Casualty). This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 98914

Training Topics

- Auto Insurance Fraud and Red Flags - Homeowners Insurance Fraud and Red Flags - Flood Insurance Fraud and Red Flags - Business Owners Insurance Fraud Flags - Real Case Scenarios - State Fraud Bureaus - Red Flags of Insider Fraud

Retirement Planning (CE)
$14.95
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General: 1 Credit

This course will familiarize the participant with the growing financial needs of retirement and the need for saving and investing for retirement. Subjects in the course include calculating income needs for retirees, future value of money and retirement spending. The participant will learn about different sources of retirement income including fixed and variable annuities in addition to various types of retirement income savings tools. * This course is not Texas classroom equivalent. FL Agents: Eligible License CE 2-16 - Life | Advanced. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 46037

Training Topics

- How Much Money Will You Need at Retirement - Future Income Need - The Time Value of Money - Expenses - Early Retirement - Social Security - Employer Sponsored Retirement Plans - Self-Employed Retirement Plans - Education Plans

Dual Credit

APA
ASPPA
C(k)P
CFFP
NAPA
NTSA
Retirement Planning and Annuities (CE)
$23.45
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General: 8 Credits

Planning for Retirement can involve multitudes of subjects. The more people are educated on the value of annuities, the more they will want this product. One of the last things on young couples' minds is retirement planning. Couples may think about who would care for their children if they died. They may have had a will drawn up to protect their property for their heirs. Providing an income for their retirement, however, seems to be the last to be planned. The earlier a young couple plans for their retirement, the more their retirement will be free from financial anxieties. * This course is not Texas classroom equivalent. FL Agents: Eligible License CE 2-14 - Life and Variable Annuity | Intermediate. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 74355

Training Topics

- Annuities - Annuity Types Identified According to Policy Owners - Annuity Types Identified According to Policy Owners Risk - Who Would a Policyholder Want to Annuitize - Annuity Management Annuity Advantages and Disadvantages - Pension Plans - Long Term Care Insurance - Suitability and Marketing Practices

Senior Needs Planning (CE)
$14.95
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General: 1 Credit

Today's retirees are more active and have longer life expectancies than ever. It is not uncommon for retirement to last 20 or even 30 years, and during that time, today's retirees are likely to continue to travel, entertain, and otherwise continue to live and consume, as they have become accustomed. This trend is only expected to continue as younger Baby Boomers enter retirement, and in the not so distant future, Gen Xers approach retirement as well. Given these trends, planning for senior needs is more important than ever. FL Agents: Eligible License 9900 Generic Life/Health/Variable - Misc Subjects | Intermediate. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 98253

Dual Credit

APA
ASPPA
IWI
NAPA
NTSA
Structure and Suitability of Equity Indexed Annuities (CE)
$14.95
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General: 1 Credit

This course is intended for annuity licensed registered representatives who may recommend annuity products, and the registered principals who supervise them. FL Agents: Eligible License CE 9900 - Generic Life/Health and Variable | Intermediate. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 93925

Training Topics

- Introduction - What is an Equity Indexed Annuity? - How Interest is Credited to the EIA - The Role of Indexed Annuities in Retirement Planning - EIA Suitability Considerations - EIA Enforcement Action Examples

Dual Credit

APA
ASPPA
CFFP
IWI
NAPA
NTSA
PRP
Suitability of Variable Annuity Products (CE)
$14.95
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General: 2 Credits

If you complete this course for Nebraska CE Credit: You may only receive credit for one of Quest's suitability courses per compliance period. We will consider the foundation for suitability (NASD Rule 2310) with respect to its admonition to know the customer and the product. In addition, we will briefly discuss the general characteristics of the various classes of investment products. Following the brief introduction to suitability, the course will focus on the special suitability issues that apply to variable annuities. *This course is not eligible for state annuity credit FL Agents: Eligible License CE 2-19 - Variable Annuity | Advanced. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 46040

Training Topics

- Financial Status - Investment Objectives - Obtaining Customer Information - Cash and Cash Equivalents - Debt Investments - Equity Investments - FINRA Guidelines for Variable Contract Suitability Issues - Variable Annuity Phases - Decisional Factors in Variable Annuity Suitability

Dual Credit

APA
ASPPA
CFFP
NAPA
NTSA
Suitability of Variable Life Insurance (CE)
$14.95
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General: 2 Credits

If you complete this course for Nebraska CE Credit: You may only receive credit for one of Quest's suitability courses per compliance period. We will consider the foundation for suitability (NASD Rule 2310) with respect to its admonition to know the customer and the product. In addition, we will briefly discuss the general characteristics of the various classes of investment products. At the conclusion of the course, the registered representative will have a basic understanding of variable products and the factors that need to be considered in their suitable recommendation. FL Agents: Eligible License CE 2-16 - Life | Advanced. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 46041

Training Topics

- Tax Status - Investment Objectives - Obtaining Customer Information, Cash and Cash Equivalents - Debt Investment - Equity Investment - Special Issues - Notice to Members 96-86 - Notice to Members 99-35 - Notice to Members 00-44 - Accumulation Phase - Decisional Factors in Variable Life Insurance Suitability

Dual Credit

APA
ASPPA
CFP
CRC
CFFP
NAPA
NTSA
Suitability of Variable Products (CE)
$14.95
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General: 3 Credits

If you complete this course for Nebraska CE Credit: You may only receive credit for one of Quest's suitability courses per compliance period. We will consider the foundation for suitability (FINRA Rule 2111) with respect to its admonition to know the customer and the product. In addition, we will briefly discuss the general characteristics of the various classes of investment products. Following the brief introduction to suitability, the course will focus on the special suitability issues that apply to variable life insurance. At the conclusion, the registered representative will have a basic understanding of variable products and the factors that need to be considered in its suitable recommendation. * This course is not Texas classroom equivalent. FL Agents: Eligible License CE 2-14 - Life and Variable Annuity | Advanced. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 46042

Training Topics

- Financial Status - Investment Objectives - Obtaining Customer Information - Cash and Cash Equivalents - Debt Investments - Stock Investments - Notice to Members 96-86 - Notice to Members 99-35 - Notice to Members 00-44 - Decisional Factors in Variable Product Suitability

Dual Credit

APA
ASPPA
CFFP
IWI
NAPA
NTSA
Understanding Annuities (CE)
$14.95
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General: 2 Credits

This course consists of four primary topics relating to the design and structure of an annuity. The subjects covered include the parties to the annuity contract, the contract provisions, benefit payments and owner-driven versus annuity-driven contracts. * This course is not Texas classroom equivalent. FL Agents: Eligible License CE 2-14 - Life and Variable Annuity | Advanced. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 46043

Training Topics

- Saving for Retirement - Advantages of Fixed Annuities - Advantages of Variable Annuities - Contract Structuring Considerations - Characteristics of Contract Owner - Annuitant - Beneficiary - Annuitization - Variable Annuity Taxation - Required Distribution at Owner's Death - Guaranteed Death Benefit - Withdrawals and Distributions - Estate Taxation

Dual Credit

APA
ASPPA
CFFP
IWI
NAPA
NTSA
Understanding IRA Annuities (CE)
$39.95
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General: 15 Credits

The connection between IRAs and insurance may not seem obvious and some may believe that IRAs have nothing to do with insurance. In fact, the majority of annuity assets, which are insurance products, are held as IRAs and there is even a section of the tax code specific to IRA annuities. For insurance professionals, it is essential that they understand the rules around IRA annuities when considering them or positioning them for a client. This course examines the rules governing annuities when owned through traditional IRAs, Roth IRAs, SEP IRAs, and SIMPLEs. With respect to traditional IRA annuities, the course considers the issues of eligibility, contribution limits, and how annuities are held. Tax treatment of traditional IRA annuity funds is discussed, including the treatment of contributions, accumulations, transfers, and distributions. The premature distribution penalties and its exceptions are addressed. Roth IRA annuities, created by TRA'97, are discussed, including eligibility, contribution limits, and distributions. Conversions from traditional to Roth IRAs are examined and the tax consequences are discussed. The increased limits authorized by the Economic Growth and Tax Relief Reconciliation Act of 2001 are addressed and the age 50+ catch-up provisions are explained.

Training Topics

IRAs, annuity funds, eligibility, contribution limits, insurance

Understanding the Types of Annuities (CE)
$14.95
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General: 1 Credit

This course is intended for registered representatives involved in the recommendation, sale and/or servicing of annuity products, and for supervisors of such representatives. This course discusses types of annuities, their benefits and risks, suitability considerations, and the importance of understanding ownership structures. *This course is not Texas Classroom Equivalent. FL Agents: Eligible License 9900 - Generic Life/Health/Variable - Misc Subjects | Intermediate. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 92563

Training Topics

- What is an annuity - Types of annuities: fixed/variable/indexed; immediate/deferred; single premium/multiple premium; fixed payout/lifetime payout - Why annuities are used to retirement planning - Parties to the annuity contract and the importance of ownership structure in financial planning - Risks of annuities, and the importance of determining customer suitability

Dual Credit

APA
ASPPA
CFFP
IWI
NAPA
NTSA
PRP
Variable Universal Life I (CE)
$14.95
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General: 4 Credits

This course examines the conditions (economic, legislative and other) that gave impetus to the development of the variable universal life (VUL) products. It also discusses the ways in which it is similar to and different from variable life and universal life insurance. Finally, and most importantly, we will look closely at the features of the product. FL Agents: Eligible License CE 2-16 - Life | Advanced. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 46044

Training Topics

- Factors Stimulating Development - Universal Life Similarities - Variable Life Similarities - Insurance Charges - Policyowner Rights - Policyowner Cash Access - VA, VLI, and VUL Compared - Riders - Variable Subaccount Options - FINRA Guidance - Identifying Suitable VUL Customers

Dual Credit

ASPPA
CFP
CRC
CFFP
IWI
NAPA
NTSA
Variable Universal Life II (CE)
$14.95
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General: 4 Credits

Building from Variable Universal Life Insurance I that variable universal life insurance (VUL) combines the flexibility of universal life insurance (UL) with the policyowner ability to direct the investment of cash values that is a hallmark of variable life insurance (VLI). * This course is not Texas classroom equivalent.

Training Topics

- The VUL Product - VUL Investment - Managing VUL Subaccount Volatility - Premium and Cash Value Tax Treatment - Cash Value Access - Benefits Paid at Death - Modified Endowment Contracts - Suitability - FINRA Guidance - Personal Market Applications - Business Market Applications

Dual Credit

ASPPA
CFP
CRC
CFFP
IWI
NAPA
NTSA
PRP