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
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
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
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
Dual Credit
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 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 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
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
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
This course is intended for registered representatives and supervisors working in the business of providing investment advice to clients, specifically those involved with the sale of products, the servicing of these products, or providing recommendations or guidance to clients setting money aside for college tuition. This course begins by reviewing current college tuition costs and the increases that are being forecast for the future. The course then discusses the growth that has been seen in Section 529 Plans since their inception and explores the multitude of options available for investors to save for college. The final section of the course provides representatives with an overview of Section 529 Plans and IRC taxation rules. This course aims to educate representatives on the importance of saving for college tuition and the role that 529 plans can have in preparing for the expense of college. The topics covered include the benefits of utilizing 529 plans and the regulations involved with the plans. The variations among states regarding features, limits, and options are also covered.
Training Topics
- Current College Costs - Estimated Future College Costs - Rising Tuition Costs and Student Loans - Inadequate Savings - Growth in Section 529 Plans - Comparing Other Savings Options - Overview of Section 529 Plans - How to Establish an Account - 529 Taxation - Contribution Limits
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
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