This package includes 24 hours of Indiana approved insurance CE, including 3 hours of Ethics. The package price does not include any additional fees the state of Indiana may charge for reporting.
Dual Credit
Dual Credit
Dual Credit
This course is designed to meet your state's 4-hour annuities training course requirements. The focus of this course is to review the wide variety of annuities as well as the many features that may be included. In addition, this course covers regulatory issues related to sales practices, especially the importance of suitability and the need to act in a customer's best interests.
This course will provide an overview of 401(k)s and other qualified plans used in retirement planning. Topics included are plans and their characteristics, how to help clients choose a plan for their business and employees, and the benefits and drawbacks of each. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 106686
Training Topics
- ERISA - Types of Plans - Designing the Right Qualified Plan - Defined-Contribution Plans and Nondiscrimination Regulations
Dual Credit
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
This course provides a comprehensive overview of Anti-Money Laundering (AML) compliance, detailing its importance, regulatory frameworks, key components, challenges, and emerging trends. It covers foundational principles like Customer Due Diligence (CDD) and Suspicious Activity Reporting (SAR), regulatory standards from bodies like the FATF, and the impact of technologies such as AI and blockchain. Case studies, including the PlusToken Ponzi scheme and one firm's legal challenges, illustrate practical applications and the evolving landscape of AML efforts. The course also emphasizes the need for ongoing education, collaboration, and proactive measures in combating financial crime.
Dual Credit
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
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
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
This course is intended for producing agents and registered representatives, and is also suited for investment advisors, supervisors, or any financial service industry professional needing a basic understanding of industry rules regarding anti-money laundering, and how firms detect and prevent possible money laundering. *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: 91621
Training Topics
- Overview of Money Laundering - The stages of the money laundering process - Overview of Federal AML measures (BSA, USA PATRIOT Act) - FinCEN, OFAC and FATF - Agents' and brokers' responsibilities - Customer identity verification requirements - Recognizing Money Laundering Red Flags - Overview of Recent Penalties for AML Violations - Case studies relating to a producer's role in detecting and preventing money laundering in daily operations
Dual Credit
The objective of this course is to introduce broker dealer employees to the federal laws and regulations that apply to money laundering, record keeping, and reporting. The course discusses some "red flags" that may indicate potential money laundering activities, as well as the penalties that can be imposed for violating federal money laundering laws. * This course is not Texas classroom equivalent. FL Agents: Eligible License CE 9901 - Generic Life and General Lines | Advanced. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 45999
Training Topics
- Awareness of Anti-Money Laundering Regulations - Areas of Concern - Federal Legislation - Knowing your Customer - Verifying a Customer's Identity - Reporting Requirements - Suspicious Activities - Indicators to Consider
Dual Credit
This course provides a brief review of the basics of illegal money laundering and the legislative measures adopted to combat money laundering in the US. The course covers requirements for a firm's AML and CIP programs with emphasis on real-world context. The course also discusses red flags that every representative should be aware of in their day-to-day dealings with customers and prospective customers, and with accounts. The course concludes with examples of enforcement cases that reinforce the concepts covered in the text. FL Agents: Eligible License CE 9900 - Generic Life/Health and Variable | Intermediate. *This course is not Texas Classroom Equivalent. FL Agents: Eligible License CE9900 Generic Life/Health/Var - Misc Other Subjects. IWI Eligible Credit: Taxes & Regulation. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 92287
Training Topics
- Money laundering overview - Overview of BSA and AML programs - Overview of CIP programs - CDD Rule - Red flags of possible money laundering - Enforcement cases
Dual Credit
This course will cover the specific state requirement and recently amended rules for producers who will be recommending annuity products. Specifically, it will cover the new rules that require producers to put the best interest of their clients ahead of their own, and which establishes additional requirements related to the best interest obligation, recommendations, disclosure, firm oversight, and training requirements. This training must be completed prior to selling annuities, unless a producer has previously completed a four-hour annuity training course, and also completes a top off one-hour training within the first six months of the rules being in effect.
Dual Credit
This course will discuss the differences between claims-made and occurrence policies, as well as the differentiation between claims-made and claims-made and reported policies. It will also cover professional liability, commercial general liability, directors and officers insurance, and other types of policies that can be written on a claims-made basis. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 110962
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
Dual Credit
This course is intended for producers and supervisors that market and sell insurance products to consumers. This course provides a detailed review of the basics of disability insurance and addresses concerns related to individuals and businesses. Topics include the need for disability insurance, how the policies work and how they are issued. Broad issues of a policy such as underwriting, defining a disability and riders will be covered. Several case studies provide excellent examples of issuing the most applicable policies. A representative will be provided with advanced sales solutions to help their clients plan a sound future. * This course is not Texas classroom equivalent.
Training Topics
- Disability Income Insurance - Who Needs Disability Income Insurance - What Disability Income Insurance Accomplishes - Benefit Period - Long and Short Term Disability - Trade Associations - Tax Consequences
Disability insurance insured incomes in the event a wage earner is unable to work due to an illness or injury that occurs outside of the work environment. This course takes an active view of the various types of disability insurance coverages available, by using real life scenarios, examples and case studies. Employees with eligible disabilities may require the use of short-term, long-term or Social Security Disability benefits or a combination of these options. Business disability policies are covered to ensure a comprehensive look at everything from coverage options to disability fraud by the less obvious. 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: 96486
Training Topics
- Types of Disabilities - Salary Continuation - Short-Term Disability - Long-Term Disability - Social Security Disability - Coordination of Benefits: Setoffs - Disability for Business Owners - Fraud
Dual Credit
This course aims to equip participants with a robust understanding of the group benefits industry, covering a broad spectrum of topics from the evolution of employee group benefits to the latest trends shaping the future of employer and employee offerings. With a focus on real-world applications, regulatory compliance, and strategic planning, learners will gain the tools necessary to navigate the complexities of the field effectively. This course is meticulously designed to cover the essentials of group benefits, delve into specialized topics, and explore the latest trends and innovations. Each chapter stands on its own while interconnecting with others to provide a holistic understanding of the industry.
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
On completing this course, producers will understand the importance of integrating insurance products into the lives of clients and helping them with investing as part of their financial strategy, planning, and preparation for their futures. Agents will see how personal and professional ethics and ethical practices help agents reach their goals with integrity, as well as review continuing education requirements, new state laws, new federal laws and Acts introduced, which influence the insurance industry. Producers will learn the standards and requirements they are to uphold and how to successfully implement these standards and requirements when dealing with clients and insurance companies. This course will allow producers to create a personal and professional code of ethics they can follow in every aspect of their personal and professional business. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 100339
This course is appropriate for anyone working in the financial services industry. It begins with a look at ethical issues facing the industry, and briefly defines ethical standards and why they are important. The course then gives an overview of the regulatory requirements from FINRA and the SEC that are designed to promote ethical standards and provides examples of recent charges. The course concludes with the understanding that rules and regulations alone are not enough to ensure ethical behavior. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 116308
Dual Credit
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
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
This course has been designed to educate professionals on ethical standards of conduct. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 105608
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
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
This course will cover the different forms of liability coverage that are available to your business and personal clients. The types of perils that are covered under each type of liability insurance will be covered, as well as different clients and situations you may come into contact with and the types of P&C insurance that are best for your clients needs. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 110205
This course will cover issues relating to residential buildings and structures and other topics that will help provide the best information available to clients. It will discuss different building types, materials, and geographic considerations that can affect home values as well as how areas that have experienced a catastrophe will have different reconstruction costs due to labor and material shortages, transportation, and related issues. Additionally, specific perils will be addressed that affect homeowners. Note: This course does not meet the Homeowner credit requirement for Colorado.
This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 110696
This course provides an overview of individual retirement accounts including traditional and Roth IRAs, eligibility, funding, distribution, and taxation. It also discusses RIA rollovers from qualified plans, and the DOL's new rule to expand the definition of a fiduciary to those who recommend such rollovers or otherwise work with IRA clients. 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: 98252
Training Topics
- Overview of IRAs - Types of IRAs - Contributions - eligibility and tax considerations - Taxation of Distributions - traditional vs. Roth, premature, RMDs, inherited IRAs, etc. - Roth conversions - Qualified plan rollovers to IRAs - Rollover suitability - Department of Labor (DoL) Fiduciary Rule
Dual Credit
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
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
This course was developed to meet the requirements of an 8-hour study on Long-Term Care insurance (LTCI) and Long-Term Care Partnerships (LTCPs). Most of these introductory courses are state-specific; however, federal requirements, state statutes, and the recommendations of the National Association of Insurance Commission (NAIC), have deemed 8-hour courses necessary to properly prepare to sell long-term care products - whether individually, as part of a strategic plan, or with an annuity or annuity rider. NM Agents: This course is available for Life/Health/Variable credit only.
This course was developed to meet the requirements for an ongoing study in long-term care (LTC), long-term care insurance (LTCI), and long-term care partnerships (LTCP), sometime in the two years following successful completion of the one-time, 8-hour course. As long as producers continue selling LTC products, they are subject to a 5-hour study on LTCI, every 24 months. This is a state-specific course in which Indiana statutes and the rules of the National Association of Insurance Commission (NAIC), among others, generally agree to the necessity of continued education in the sale of LTCI (every 24 months) to stay in the game professionally, and knowledgeably sell such LTC products; whether individually, as part of a strategic plan, or with an annuity or annuity rider. Ongoing 5-hour LTCI training requirement: This course fulfills the 5-hour obligation of state-approved LTCI producers.
This training provides information on National Flood Insurance Program (NFIP) policies. It is intended to provide an overview of the program and will help provide accurate information and advice regarding flood insurance. For states that have a flood requirement, this course has been approved to satisfy the mandatory continuing education. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 109051
This course is intended for registered representatives involved in the recommendation, sale, and/or servicing of annuity products, as well as for supervisors of such representatives. This course discusses types of annuities, their benefits and risks, the importance of understanding ownership structures, and the requirements under Regulation Best Interest (Reg BI) to ensure compliant and suitable recommendations that are in the best interest of clients.
Training Topics
annuities registered representatives risks benefits Regulation Best Interest ownership structures compliance
Dual Credit
Understanding all the major personal lines of insurance coverage is an important basic for insurance agents. A well-educated agent should know about miscellaneous personal lines coverage and possible gaps in coverage so they can advise their clients. This course will cover the different types of personal lines insurance as well as the components of a personal insurance policy. It will also go into more detail on miscellaneous personal lines of insurance that your clients may require and possible gaps in coverage along with how to address those. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 110831
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
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
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
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
This course will discuss a wide variety of topics regarding claims operations in this field. It will discuss the role of key personnel in the claims process, different types of claims operations, the claims process from start to finish, how to evaluate claims, and ethical issues regarding the claims process. This information will help you provide the best possible outcome and ensure that your business runs smoothly. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 109836
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
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
This course is designed to explore the relationship between Social Security benefits that are available to workers and their families and retirement planning. The understanding of retirement at the center of our discussion will be the same as what is typically understood by retirement when business owners engage in buy-sell and business succession planning discussions. The course will begin with an exploration of background information, the purpose of which is to shed light on the history of social welfare efforts that led, both directly and indirectly to the enactment of the Social Security Act. This will provide a broad context in which to consider Social Security in the discussions of the three major benefits most closely and almost universally associated with Social Security: Social Security Disability income Benefits, Social Security Retirement Income Benefits, and Medicare. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 118729
Most people want to continue to live in retirement as they did while working. Long-term financial and retirement security is a work in progress. This course will provide a holistic view of retirement planning as a lifelong pursuit for clients and the strategies, techniques and products available to make this a successful endeavor. It begins with what individuals can do to plan for retirement outside of their employment, followed by planning opportunities within their employment, as well as opportunities for those who might also be business owners. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 115261
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
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
An in-depth look at the structure of variable annuities and a balanced discussion of the common media comments surrounding them such as "too expensive", "death benefit not useful", "not suitable for IRAs and qualified plans" and "no tax advantages over mutual funds." In addition, this course describes the structure of variable annuities and gives additional retirement planning uses for variable annuities such as decreasing the impact of the Social Security benefit tax and utilizing variable annuities in charitable remainder trusts and NIMCRUTS. * 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: 45997
Training Topics
- What is a Variable Annuity - Features of Variable Annuities - What is a Mutual Fund - Common Elements of Both Variable Annuities and Mutual Funds - Variable Annuity Fees - Investor Retirement Planning Needs
Dual Credit
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
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
As an investment professional, Individual Retirement Accounts (IRAs) are a natural place to start helping your clients with retirement planning. The IRA is a powerful tax-advantaged investing tool that helps clients retire in dignity. There are several types of IRAs as of 2020: traditional IRAs, Roth IRAs, SEP IRAs, and SIMPLE IRAs. This series gives you a better understanding of IRA types and some of the decisions your clients may face in planning for retirement. 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: 61675
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
Annuities can play a large role in many portfolios, offering a relatively safe way to provide extra income in retirement years. This course will give an overview of all annuity offerings and delve deeper into a relatively new annuity called the "variable index annuity" or "buffer annuity." By the end of this course, you should have an in-depth knowledge of how variable index annuities differ from other types of annuities, the benefits and drawbacks of these annuities, and how to find out if they are appropriate for your clients and how to explain them to your clients should you feel they are an appropriate choice. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 109959
Training Topics
- What is an annuity? - Different types of annuities - What You Should Know About Indexed Annuities - Variable Index Annuity - Annuity Rider Basics - Types of Annuity Riders - The Growth of Variable Index Annuities - Benefits of Variable Index Annuities - Drawbacks of Variable Indexed Annuities - How a Variable Indexed Annuity Fits into your Clients' Portfolios
Dual Credit
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
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
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