Description

** Canceled ** Life and Annuity Policies (6 Hours) Learn the general uses and legal elements of life insurance policies and annuities. This class helps you understand the components of term insurance, universal life, whole life, and the classifications, types, and provisions of annuities. You will also examine how the application of these products, used with additional financial planning tools, can help clients and prospects meet their personal financial goals. Business and Life Concepts (2 Hours) Learn the issues involving employer-owned life insurance and the proper application of life insurance to key person business exposure. The information provided in this course helps you understand these and other issues facing business owners, including executive bonus programs used as an employer-provided benefit and development of a business succession plan. You will also learn the basics of buy-sell agreements and funding methods and structure of life insurance ownership to provide counsel as part of the business owner’s planning team. Health Insurance and Employee Benefits Concepts (8 Hours) What are the benefits afforded by the Affordable Care Act (ACA) and how do ACA-compliant and non-compliant medical health plans differ? Learn about these differences, as well as the value of consumer-driven, tax-advantaged accounts, including FSA, HSA, and HRA. Understand when to use Medicare, Medicare Supplements, and Medicaid to meet clients’ needs. You will also understand the meaning of long-term care and how it differs from acute and rehabilitation care. The information in this course helps you understand the special challenges brought on by long-term care exposures, as well as innovative products that address those exposures, including state Long-Term Care Insurance Partnership Programs. Finally, you will examine possible sources of income replacement in the event of disability. Analyze the benefits of individual disability income contracts within various occupations and industries as well as the use and benefits of a Business Overhead Expense Disability Policy.