Insurance Continuing Education Individual Courses
Continuing Education Individual Courses
To complete your continuing education requirements, ExamFX has created a comprehensive online training program based on your state requirements.
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Continuing Education Individual Courses
Our individual CE courses ares designed to service your CE needs. Perfect for self-motivated learners - Study 24/7 with our Interactive Learning Portal, access streamlined exam-specific content and reinforce your new knowledge through multiple quizzes and simulated exams.
KEY INSURANCE CONTINUING EDUCATION FEATURES INCLUDE:
View available CE courses and your state's requirements
Your first step for success is to understand your specific state's continuing education requirements for maintaining your insurance license. To see your state's specific available courses and requirements, please follow the link below. You will also find helpful information that you need to know.
VIEW YOUR STATE CE REQUIREMENTSAbout Insurance Continuing Education
CONTINUING EDUCATION COURSE DESCRIPTIONS
ExamFX offers a library of online Continuing Education courses designed to meet your license renewal requirements while enhancing professional development and expanding your knowledge.
Anti-Money Laundering - Ethical Decision Making For Insurance Producers - 3 Hours
This anti-money laundering course aims to educate agents on their responsibilities as they relate to the USA PATRIOT Act. In their careers, agents must fulfill obligations and responsibilities under the laws designed to limit money laundering.
To that end, agents will study various anti-money laundering laws that have been enacted, steps in money laundering, and red flags that may crop up during business that may lead an agent to suspect money laundering.
Agents will also look at the reports a company may need to file (Suspicious Activity Reports) and statistics regarding the types of reported suspicious activities. They will also learn about Specially Designated Nationals, individuals
or companies whose assets are blocked and with whom U.S. persons are generally prohibited from dealing.
Learning Objectives
The purpose of this course is to educate the agent on their responsibilities as they relate to the USA PATIORT Act. Upon completion of this course, an agent will be able to:
- Explain the 3 phases of money laundering
- Identify the types of insurance products most likely to be employed in a money laundering scheme
- Explain the requirements of a Customer Identification Program
- Explain the financial services obligations to conduct due diligence and ongoing monitoring of its customers
- Explain an agent’s responsibility for reporting suspicious activity; and
- Explain the red flags of money laundering as they relate to the utilization of insurance products
Annuity Suitability and Best Interest Standard Training - 4 Hours
This course was designed to satisfy the one-time, 4 credit-hour training course requirements imposed by the Model Act. It provides details about the new “Best Interest” standard and other provisions of the 2019 Model Act. It also includes a thorough review of annuity products: types of annuities, annuity regulation, advantages and disadvantages, taxation, and replacement. Studying and contrasting various types of annuities and reviewing customer situations will improve a producer’s ability to know which annuity products and features best serve a client's financial needs.
Learning Objectives
This course explores topics with an emphasis on how knowledge of these topics impacts the sales process, the determination of suitability, and compliance with the best interest standard. Upon completion of this course, an agent will be able to identify:
- Annuity basics and terminology
- Parties to annuity contracts
- Product overview, including fixed, immediate, index and variable annuities
- Annuity taxation
- Annuity replacements and exchanges
- The licensee’s role in suitable sales
Businessowners Policy (BOP) - 4 Hours
This basic level course provides an overview of the Businessowners package policy (BOP) and guides producers in understanding how this policy is used to cover small and medium-sized business risks, including eligibility, features, coverages, exclusions, riders, etc..
Learning Objectives
Upon completion of this course, an agent will be able to:
- Understand how to apply the Businessowners Policy (BOP) to eligible business risks
- Understand how to best serve their policy owners by customizing BOP coverage using riders and optional coverages
Commercial Lines: Property/Auto/Liability - 4 Hours
This course reviews different types of commercial policies: their characteristics, coverages, and suitability.
Learning Objectives
Upon completion of this course, an agent will be able to:
- Understand the various risks faced by commercial enterprises
- Ability to evaluate those risks specific to the client
- Understand the various insurance coverages available to address commercial risks
- Ability to help those customers strategically minimize the risks by recommending appropriate commercial lines insurance products
Distribution Planning - 4 Hours
This advanced-level course describes the various distribution options available to retirement plan participants, how those distribution options affect income amount and duration, tax considerations, minimum distribution requirements, and all the factors which must be considered when choosing a distribution option.
Learning Objectives
Upon completion of this course, an agent will be able to:
- Guide their clients through the entire post-retirement distribution planning process
- Helping them make critical up-front decisions with full understanding of the income and tax ramifications of those decisions
Ethical Practices: Avoiding E&O Claims - 3 Hours
This course reviews agent practices that can lead to errors & omissions claims. Case studies from all lines of insurance, and from all aspects of the insurance transactions from sales approach to application, to claims handling illustrate critical ethical decision points for producers, and demonstrate best practices for avoiding E&O claims.
Learning Objectives
Upon completion of this course, an agent will be able to:
- Avoid the most common oversights and violations
- Learn how to ethically serve their clients
Ethics & Insurance: How to Sell Ethically and Comply with the Law - 3 Hours
This basic-level course is designed to fulfill the Ethics component of a producer’s continuing education requirement. It provides an overview of ethics in the insurance business, including agent responsibilities to the carrier and the consumer. Covered: field underwriting and policy delivery, fiduciary responsibilities, unfair trade practices, unfair claims practices, agent errors & omissions, consumer privacy, compliance vs. ethics. Includes relevant case studies and enforcement actions. Applicable to all lines of insurance.
Learning Objectives
Upon completion of this course, an agent will be able to:
- Understand the ethical responsibilities of insurance producers to their clients and to the insurance company
- Identify and avoid non-compliant behaviors and will be better equipped to provide excellent, fair, and high quality service to the insurance-buying public
Flood Insurance - 3 Hours
All property is located in a flood zone and vulnerable to flooding under certain situations. According to FEMA, more than 20 percent of flood insurance claims are submitted damaged property located in areas with low to moderate risks of flooding and more than one-third of property owners receiving federal disaster aid for flood damage own property located in flood zones with low to moderate risks of flooding. Because the majority of property insurance policies specifically exclude flood damage, and lenders offering federally backed mortgages are required by law to condition mortgages on the purchase of flood insurance, agents should be familiar with flood insurance.
Learning Objectives
Upon completion of this course, an agent will be able to:
- Its general rules
- Available policies and products
- Rating
- Claims handling process
- Requirements of the Flood Insurance Reform Act of 2004 (FIRA)
Group Benefits and Worksite Insurance - 4 Hours
This course offers an overview of different types of group and workplace insurance plans, including requirements for eligibility, enrollment, evidence of coverage, plan documentation, and portability/conversion.
Learning Objectives
Upon completion of this course, an agent will be able to:
- Prepare to evaluate, recommend, and properly service employee benefit plans including group life, group health and disability, long-term care, and other group plans
Health Insurance Policies: Protecting Clients from Health-Related Loss - 5 Hours
This basic-level course details the health insurance market –underwriting, policy features, required and optional provisions, advantages, disadvantages, available riders, for many types of health policies including individual and group policies, disability income, Medicare supplement, Long Term Care, and specialty policies. Social insurance and workers compensation are also discussed.
Learning Objectives
Upon completion of this course, an agent will be able to:
- Have a deeper understanding of the health insurance market and the many different types of health policies available to minimize the financial risks of illness and disability
- Use this knowledge to make health insurance producers more effective at matching the right product to the health insurance needs of their customers
Indexed Product Training Course - 4 Hours
This course is designed to teach the agent all of the unique suitability considerations that fixed indexed products bring to the life and annuity market. Content includes the most recent product innovation in the indexed annuity and life market as well as the most recent (June 2015) interim guidance for illustration of indexed universal life products published by The NAIC working group. When appropriate mention is made as to how a particular contract provision, rider or benefit would affect a senior consumer.
Learning Objectives
Upon completion of this course, an agent will be able to:
- Familiarize the agent with the different type and classifications of annuities and life insurance and how indexed annuities and life differ from more traditional products. Discussions include all contract terms, conditions, riders, waivers and options
- To teach via example the main indexing strategies employed in indexed products and how the different formula elements can affect credited interest
- Explain how insurers issuing indexed products invest and hedge to produce indexed returns, including an explanation of how changing economic conditions impact this process
- Explore the NAIC Life Insurance Illustrations Model Act with a focus on agent and insurer responsibilities. Discussions include challenges unique to the proper illustration of indexed universal life
- Discuss agent and insurer responsibilities under the NAIC Suitability in Annuity Transactions Model regulation
- Discuss issues specific to senior consumers such as product complexity and diminished mental capacity as well as provide basic tools that may help an agent realize when a consumer lacks the short-term memory to be a party to an insurance or annuity contract
Life Insurance Policy Types & Suitability - 6 Hours
This basic-level course presents a comparison of the fundamental life insurance policies (term, whole life, flexible premium, group, variable) – their features and benefits, advantages and disadvantages. Each type of policy also includes a discussion of suitability and appropriate sales.
Learning Objectives
Upon completion of this course, an agent will be able to:
- Understand the various types of life insurance policies
- Analyze and assess client needs
- Know the type of questions to ask to determine policy suitability
- Be more qualified to make appropriate product recommendations that are in sync with their customers’ financial objectives
Long Term Care Certification Training - 8 Hours
This course is designed to satisfy the NAIC initial 8-hour training requirement for selling Long Term Care Insurance. Life insurance producers in states with long term care training requirement must complete 8 hours of initial training on long-term care coverage before being qualified to sell individual LTC and/or LTC Partnership policies.
Learning Objectives
Upon completion of this course, an agent will be able to:
- Be familiar with: LTC insurance, LTC services, Qualified Partnerships
- Be familiar with the relationship between Qualified Partnerships and other public and private coverage of long-term care
LTC Certificate Refresher - 4 Hours
Upon completion of this “refresher” training course, LTC producers will be re-familiarized and updated with the required training on LTC insurance, LTC services, qualified partnerships, and the relationship between qualified partnerships and other public and private options for long-term care coverage.
Learning Objectives
Upon completion of this course, an agent will be able to:
- Be re-familiarized and updated with the required training on LTC insurance, LTC services, qualified partnerships
- Be re-familiarized and updated with the relationship between qualified partnerships and other public and private options for long-term care
Medicare Supplement Insurance: Closing the Gap - 4 Hours
This course offers a full review of the federal Medicare program, and how Medicare supplement insurance may be used to provide more complete healthcare coverage to Medicare recipients. This course discusses eligibility, enrollment, benefits, deductibles, co-payments, prescription drug plans, and the latest developments in Medicare and Medicare Supplement plans. Special producer requirements for suitability, sales practices, and policy replacement are emphasized. Case studies reinforce compliant and ethical sales practices.
Learning Objectives
Upon completion of this course, an agent will be able to:
- Understand the eligibility, enrollment, and standard coverage provided under the federal Medicare program
- How Medicare Supplement insurance may be used to “close the gaps” in deductible, coinsurance, and other out-of-pocket costs
- Understand the NAIC standardized plans and will be able to make appropriate purchase recommendations
Personal Lines: Protecting Your Client’s Home, Auto & Critical Risks - 7 Hours
This basic-level course explores the personal lines market to the entry level property/casualty producer: detailing the various types of property and casualty insurance that are sold to individual consumers - Dwelling vs. Homeowners, Personal Auto, Homeowners, Dwelling, Mobilehome and Farm coverages.
Learning Objectives
Upon completion of this course, an agent will be able to:
- Have a clear picture of the various risks faced by individuals and will be able to help customers strategically minimize those risks using personal lines insurance products
Principles of Life and Health Insurance - 12 Hours
This course was designed to offer licensed Life, Accident & Health, or Life and Accident & Health producers a comprehensive and detailed review of insurance concepts and products to help them better understand the features and benefits of each
and to stay current on the different insurance products available on the market.
The course includes a thorough review of different types of life insurance policies, annuities, qualified plans, accident and health insurance policies, as
well as health insurance options for senior citizens and special needs individuals. Studying and comparing and contrasting various types of policies will improve a producer’s ability to know which products and features best serve their clients’
needs.
Learning Objectives
This course explores topics with the purpose of providing an in-depth knowledge of insurance related concepts, as well as different types of life and health insurance policies and other products. Upon completion of this course, a producer will be able to identify the following:
- Life and accident and health insurance basics and terminology
- Various types of life insurance policies and their provisions
- Annuity products and their uses
- Types of qualified plans for individuals and businesses
- Individual and group accident and health insurance policies
- Features of medical expense plans and disability income insurance
- Health insurance options for senior citizens and special needs individuals
- Basic taxation rules that apply to insurance products
Principles of Property and Casualty Insurance - 13 Hours
The course titled Principles of Property and Casualty Insurance is a comprehensive course which not only covers basic property insurance and casualty insurance concepts but offers detailed and advanced course work in order to refresh the knowledge of
property/casualty agents. ExamFX has also designed this course to be helpful for those property/casualty agents that have specialized in just a single or limited line and would like to advance their education by familiarizing themselves with other
lines that they are currently licensed for but have not concentrated on since licensure. These agents will have a chance to enhance and apply skills through case studies and examples that illustrate potentially different situational outcomes.
This course provides insight not just into standard property/casualty coverages, but also covers available endorsements to help producers customize and enhance coverages on policies including Homeowners, Commercial General Liability, and
Commercial Auto Policies.
In addition, the course discusses in detail advanced or specialty coverages such as flood, inland marine, watercraft, specialty liability, surplus lines, and surety. Overall, this course was designed with the NAIC definition of “advanced”
in mind: to provide practitioners with a strong foundation in the course material a detailed review of the important concepts that they may utilize throughout their career while affording those professionals an opportunity to increase their area of
expertise beyond simple day-to-day or entry level career activities (particularly in regard to specialty or advanced policies such as flood or inland marine and policy customizations for Homeowners, Commercial General Liability, and Commercial Auto
policies).
Learning Objectives
This course explores topics with the purpose of providing an in-depth knowledge of insurance related concepts, as well as different types of property and casualty insurance policies and other products. Upon completion of this course, a producer will be able to identify the following:
- Property and casualty insurance basics and terminology
- Various types of property policies and their coverages
- Standard property and casualty coverages
- Types of specialty coverages such as flood, inland marine and watercraft
- Advanced coverages including surplus lines, surety and specialty liability
Retirement Planning – 4 Hours
This intermediate-level course takes the student beyond basic insurance services and provides a foundation for engaging in a strategic retirement planning process: helping the client set financial goals, consider multiple sources of income, establish a budget, and create an individual retirement plan.
Learning Objectives
Upon completion of this course, an agent will be able to:
- Be ready to move beyond basic life insurance sales
- Be prepared to help clients create a custom retirement plan based on their specific financial goals
Variable Life & Annuities: Understanding Investment Potential & Risk - 5 Hours
This intermediate-level course takes the producer beyond basic life and annuities concepts to variable products, including variable life, variable universal life, and variable annuities. Product features, advantages and disadvantages, and needs analysis/suitability are all discussed, as well as licensing and registration requirements.
Learning Objectives
Upon completion of this course, an agent will be able to:
- Be ready to handle more complex insurance and investment products will benefit from learning about the variable market
- Understand the differences between fixed and variable life and annuity products will help the producer make better product recommendations
- Help satisfy a wider spectrum of client financial objectives