Participants will be aware of the benefits afforded them of a Health Savings Account (HSA) and Long-Term Care (LTC) Insurance. They will understand the HSA and how it is created. They will also understand Medicare and Medicaid as they relate to LTC and LTC Insurance. They will learn what LTC insurance is, what it costs, what services it covers, and who should purchase it. They also learn the tax advantages of having an HSA and LTC Insurance. By explaining state partnership laws and the benefit of depositing LTC premiums into an HSA, they may also recognize the tax benefits of this process and how the programs work well when they are both purchased.

Certificates of Insurance and the related issue of Additional Insureds are often sources of frustration, confusion, and E&O claims for the insurance producer.  In this session, agents will review critical things to consider before issuing a certificate and identify ways to avoid some of the common problems and errors. 

Develop environmental awareness and understand how to help businesses manage and transfer their environmental exposures.

(Final Exam Required for State CE Credit)

There are certain things every insurance producer should understand before writing commercial liability coverage for a client. What does bodily injury mean and does it include claims for emotional injury? What does the duty to defend in a CGL policy really mean and how does it work? What is the difference between subrogation and contribution, and how do our policies address waiver of subrogation? What are the possible coverage triggers under occurrence form policies, and how are costs allocated when multiple policy periods respond to a loss? How do claims made and claims made and reported policies work?

Do you know what to do when a crisis occurs? Uncover the insurance implications and general principles of crisis response for active assailants, product recalls, and data breach/cybersecurity incidents. Analyze a data breach claim and form a plan of action.

Participants will gain a better understanding of cyber risk exposures and why businesses need cyber liability coverage. They will examine first-party and third-party exposures related to cyber risks, coverage limitations in standard liability policies, and major provisions commonly found in cyber liability insurance policies. They will review solutions that include cyberspace specific products and risk management.

The participant will learn how life and health insurance products take the uncertainty out of business planning.  The program will specifically discuss the risks that face every business owner, death, disability and retirement, and how to mitigate these risks.  

Participants will examine the concerns that exist when clients offer property and/or use property of others via popular web-enabled services such as VRBO, Couchsurf, Airbnb, and similar platforms. They will explore the most commonly used Homeowners Coverage forms, Personal Auto Policy, Recreational Vehicle Coverage forms, Watercraft policies, and the endorsements that can be used to provide coverage for these unique exposures. They will better understand the coverage issues that may arise when these items are shared with others.

Identify the reasons for providing the necessary insurance coverage for their high-net-worth client’s collections the challenges associated with this unique exposure. Understand valuation issues, appraisal practices, and use actual scenarios to examine the damage assessment process.  

In this session, participants will understand the role and function of an insurance adjuster and the importance of their relationship with the insurance agency, avoiding bad faith claims, and misconceptions about coverages and exclusions under certain personal and commercial policies.

The SECURE Act’s purpose and how it impacts employer-sponsored retirement, defined contribution, and defined benefit plans, as well as individual retirement accounts, and 529 plans.   

While the core fundamentals of insurance have not changed over the centuries, the tools used by insurance agents certainly have. Today’s customer journey often starts online instead of contacting an agent to be their trusted advisor. InsurTech startups such as Lemonade, Pie Insurance, and Next Insurance have changed the way the insurance product is delivered, as well as the coverage clients receive. In this session, participants will explore how they can leverage the digital tools available to them to attract clients, meet their insurance needs, and minimize errors and omissions risk.

Learn about Social Security, Medicare, and Medicaid to understand the intent of the various benefits, the advantages, and disadvantages of the three programs, ways to qualify and file for the various benefits, and options available to a qualifying recipient. Learn how Life and Health insurance products provide a way to replace or coordinate Social Security and Medicare. Examine Health Insurance products that assist with deductibles, co-pays, or excluded coverage found in Medicare.