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Courses |
Credits |
Roster Fee |
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401(k)s and Qualified Plans (TC)
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Life/Health: 4
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$0.00
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| 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. |
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Advanced Asset Allocation Strategies (TC)
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Life/Health: 3
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$0.00
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| 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. |
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Annuities Essentials (TC3)
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Life/Health: 3
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$0.00
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| 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. |
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Annuities in Retirement Planning (TC)
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Life/Health: 1
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$0.00
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| 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. |
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Annuities Today (TC)
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Life/Health: 6
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$0.00
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| The CE credits for this course do not apply toward 4 hour annuity training requirement.
This course is designed to introduce 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. |
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Anti-Money Laundering for Agents and Representatives: Overview, Detection and Prevention (TC)
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Life/Health: 1
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$0.00
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| 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. |
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Anti-Money Laundering Regulations and Ramifications (TC)
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Life/Health: 1
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$0.00
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| 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. |
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Anti-Money Laundering: Beneficial Ownership (TC)
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Life/Health: 1
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$0.00
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| This course will review the customer due diligence guidance and regulations established by the various organizations formed to combat criminal use of financial systems around the world and then focus on the most recent regulations adopted by the U.S. Treasury. |
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Anti-Money Laundering: Customer Identification Programs, Red Flags, Everyday Scenarios and Enforcement Cases (TC)
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Life/Health: 1
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$0.00
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| This course provides a brief review of the basics of illegal money laundering and the legislative measures adopted to combat money laundering in the U.S. 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. |
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Best Interest Standards of Conduct for Annuity Sales (4 Hour TC)
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Annuity: 4
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$0.00
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| 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. |
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Claims-Made Policy Training (TC)
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Property/Casualty: 2
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$0.00
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| 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. |
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Commercial Auto Insurance: Understanding the Coverages (TC)
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Property/Casualty: 4
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$0.00
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| 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. |
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Considerations for Life and Death (TC)
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Life/Health: 17
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$0.00
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| 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 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. |
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Disability Income Insurance (TC4)
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Life/Health: 4
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$0.00
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| 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. |
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Disability Insurance (TC)
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Life/Health: 4
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$0.00
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| 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. |
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Effects of Market Uncertainty on Retirement Planning (TC)
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Life/Health: 1
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$0.00
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| 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. |
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Estate Planning (TC)
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Life/Health: 4
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$0.00
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| 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 |
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Ethical Considerations for Life and Death (TC)
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Life/Health: 17
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$0.00
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| 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 |
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Ethical Issues Facing the Financial Services Industry (TC)
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Ethics: 1
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$0.00
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| 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. |
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Ethical Standards for Producers (TC)
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Ethics: 3
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$0.00
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| 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 which they can follow in each and every aspect of their business. * This course is not Texas classroom equivalent. |
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Ethics and Professional Conduct (TC)
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Ethics: 2
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$0.00
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| 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. |
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Ethics for the Financial Services Professional (TC3)
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Ethics: 3
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$0.00
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| 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. |
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Fixed & Variable Annuities vs Mutual Funds (TC1)
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Life/Health: 2
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$0.00
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| 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 assume a basic knowledge of annuities and mutual funds and, as a result, is designated an intermediate difficulty level. |
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Forms of Property and Casualty Liability (TC)
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Property/Casualty: 3
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$0.00
|
| 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. |
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Homeowners Valuation Insurance Training (TC)
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Property/Casualty: 3
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$0.00
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| 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. |
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Income Planning for Heirs: Annuity Contract Structure (TC)
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Life/Health: 5
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$0.00
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| 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 to better understand the various outcomes of the available annuity contracts and recognize the disposition and tax consequences of each scenario. * This course is not Texas classroom equivalent. |
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Introduction to Individual Retirement Accounts (TC)
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Life/Health: 1
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$0.00
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| 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. |
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Life Insurance Today (TC15)
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Life/Health: 15
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$0.00
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| 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. |
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Life Settlements (TC)
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Life/Health: 1
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$0.00
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| 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. |
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Living Benefit Riders (TC)
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Life/Health: 1
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$0.00
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| This course will provide an overview of annuities, the types offered, how they've changed since being introduced, the riders that may be available, and how to abide by FINRA Rule 2330 to legally sell annuities. |
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MA Eligibility and the LTC Partnership Program 4 Hr (TC)
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LTCP: 4
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$0.00
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| This course was developed to meet the requirements for an ongoing study in long-term care (LTC) and long-term care insurance (LTCI) sometime in the two years following successful completion of the 8-hour course. As long as producers continue selling LTC products, they are subject to a 4-hour study on LTCI, every 24 months. Although most LTC courses are state-specific, statutes and the rules of the National Association of Insurance Commission (NAIC), among others, generally agree to the necessity of a 4-hour course (every 24 months) to stay in the game professionally, and knowledgeably sell such LTC products individually, as part of a strategic plan, or with an annuity or annuity rider.
Ongoing 4-hour LTCI training requirement: This course fulfills the 4-hour obligation of state-approved LTCI producers. |
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MA Eligibility and the LTC Partnership Program 8 Hr (TC)
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LTCP: 8
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$0.00
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| We will look at the role state long term care partnership plans play in trying to get more Americans insured for long term care, thereby improving their options for care as well as providing relief to state and federal Medicaid budgets, which are often dominated by long term care costs. Among other topics we will discuss Minnesota's Medical Assistance (MA) program, and how it interacts with the state's Long Term Care Partnership (LTCP) program. We will also look at other strategies and programs that consumers turn to for help with long term care services and costs. In closing, we will review suitability considerations when recommending long term care insurance to clients. |
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Personal Lines (TC)
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Property/Casualty: 3
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$0.00
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| 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. |
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Planning for Senior Needs (TC5)
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Life/Health: 5
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$0.00
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| A recent report by Nielsen in collaboration with BoomAgers, shows that in five years, 50% of the U.S. population will be 50+. This unprecedented growth in the US senior population will come at an 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 teach them how to develop a plan for their clients so they may sustain their lifestyles throughout retirement. |
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Principles of Asset Allocation (TC4)
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Life/Health: 4
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$0.00
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| This course will provide 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 it relates to the asset allocation process, and a discussion of the client information that is needed to properly allocate the client assets. |
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Property & Casualty Essentials (TC)
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Property/Casualty: 5
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$0.00
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| 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). |
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Property & Casualty Insurance Fraud and Red Flags (TC)
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Property/Casualty: 6
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$0.00
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| 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. |
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Property and Casualty Claims Operations (TC)
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Property/Casualty: 2
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$0.00
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| 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. |
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Retirement Planning (TC)
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Life/Health: 1
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$0.00
|
| 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. |
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Retirement Planning and Annuities (TC)
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Life/Health: 8
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$0.00
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| 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. |
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Section 529 Plans (TC)
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Life/Health: 1
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$0.00
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| 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. |
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Senior Needs Planning (TC)
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Life/Health: 1
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$0.00
|
| 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. |
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Social Security and Retirement Planning (TC20)
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Life/Health: 20
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$0.00
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| 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. |
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Strategic Retirement Planning (TC)
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Life/Health: 13
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$0.00
|
| 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. |
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Structure and Suitability of Equity Indexed Annuities (TC)
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Life/Health: 1
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$0.00
|
| This course is intended for annuity licensed registered representatives who may recommend annuity products, and the registered principals who supervise them. |
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Suitability of Variable Annuity Products (TC2)
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Life/Health: 2
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$0.00
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| 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 |
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Suitability of Variable Life Insurance (TC8)
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Life/Health: 8
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$0.00
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| 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. |
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The Truth About Variable Annuities (TC6)
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Life/Health: 6
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$0.00
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| 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. |
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Understanding Annuities (TC2)
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Life/Health: 2
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$0.00
|
| 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. |
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Understanding IRA Annuities (TC)
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Life/Health: 19
|
$0.00
|
| 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. |
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Understanding IRAs (TC20)
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Life/Health: 20
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$0.00
|
| 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. |
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Understanding the Types of Annuities (TC)
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Life/Health: 1
|
$0.00
|
| 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. |
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Variable Index Annuities (TC)
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Life/Health: 1
|
$0.00
|
| 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. |
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Variable Universal Life I (TC4)
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Life/Health: 4
|
$0.00
|
| 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. |
