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Continuing Education
General Insurance Digest I
Section One: Ethics - The purpose of this section of the course is to examine the concept of ethics and how it relates to the insurance producer. It attempts to show how embracing a personal code of business ethics will guide the producer’s activities beyond that which are required (or prohibited) by law toward a higher level of service and success. Section Two: Market Conduct - The basis of most agent conflicts lies in the inability to understand statutory and fiduciary duties. This course covers the concept of liability based on agent duties and status and the various types of conflicts that could arise within the context of agent /client relationships. Sales conduct for agents, agent ethics, disclosure, and office protocol are covered. Consumer protection issues such as unfair insurance practices and insurance that fails to insure as well as the more current issues challenging the L&H and P&C fields, (including AIDS/HIV, “sick buildings” and lead paint) are included. Section Three: Errors and Omissions - This course covers Errors and Omissions Insurance. In the past, this type of insurance consisted mainly of malpractice insurance and was thought to be needed only by medical personnel and lawyers. The scope of those requiring coverage has widened due to the current litigation atmosphere. In today’s society there are no accidents and saying sorry is ineffective against the desire to seek monetary damages for wrongs received. This insurance is meant to cover damages awarded to a victim who has suffered a loss of some kind due to negligence, an error or omission when the insured is providing a product or service. Our legal system and its interpretations are undergoing a significant change in favor of consumer protection. Today’s buyers have become very sophisticated and aware of their rights, and all levels of government have enacted laws defining just what these rights are and what responsibilities sellers have. E & O insurance is needed to protect professionals from the public when innocent human errors happen. Section Four: Flood Insurance - This course is intended to fulfill requirements mandated by the Department of Homeland Security/Federal Emergency Management Agency (FEMA) regarding flood insurance training of insurance agents. FEMA published a specific training outline from which this course is drawn. It meets all of the requirements stipulated in the training outline. Section Five: Long-Term Care - Long-term care consists of social and medical services to individuals who need assistance or supervision due to a chronic or prolonged illness or a cognitive impairment, such as Alzheimer’s. This course provides an examination of long-term care insurance. It begins with an introduction to long-term care that defines long-term care and the many different long-term care providers and caregivers. Next, the need for long-term care is demonstrated through statistics compiled about our older population. Methods of paying for long-term care, including private and public sources are then described. The many features of long-term care insurance are detailed and then, types of long-term insurance policies, including home care only, facility only, comprehensive, qualified and group long-term care policies are explained. The course concludes with a look at some key concerns when working with customers, including fair dealing, disclosures and suitability issues.
Distance Learning Course
N/A - Distance Learning Course

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