Course Catalog Texas Insurance Continuing Education October December 2013
Table of Contents Page 4 Commercial Property Coverage: A Building Block in Commercial Insurance Estate Planning Techniques: Understanding Trusts, Buy-Sell Agreements, and Special Planning Considerations NEW! Ethics for Insurance Professionals: A Practical Guide Page 5 Medicare and Medicare Supplements: Closing the Coverage Gap Planning for the Inevitable: Death and Taxes Recognizing the Signs of Insurance Fraud NEW! Regulation and Ethics in the Insurance Industry Page 6 Retirement Planning Strategies Social Security: Now and the Future? Suitability: Matching the Product to the Need Page 7 The Auto Policy Uncovered The Ins and Outs of Group Insurance Understanding Disability Income Insurance What s in a Homeowner s Policy? Stay Connected From important regulation updates and product releases to student testimonials and product demos, Kaplan keeps you connected! 2 Call toll-free: 800.428.4210 www.kfeducation.com
Important Insurance Continuing Education Requirements Residential Requirements All Texas resident licensees (producers and adjusters) must complete 30 hours of CE every 2-year reporting period, including 2 hours of ethics. At least half (15 hrs) of the CE hours must be completed in a classroom setting or with classroom equivalent courses. Courses are no longer divided by license type; therefore, they may be taken in either General and/or Ethics/CP. This state has issued a notice reminding licensees who sell flood insurance of their requirement to comply with the minimum training requirements established by FEMA and the National Flood Insurance Program. Long-Term Care Training Before selling long-term care (LTC) partnership policies in Texas, agents must hold a current Life, Accident and Health license and shall have completed an 8-hour LTC partnership certification course. Licensed agents may count an LTC partnership certification course toward completion of their CE requirements. In addition to the Long-Term Care (LTC) partnership certification course, in each reporting period following the reporting period in which a licensee completed the certification course, the licensee must also complete at least four hours of department-certified CE. These hours may be applied to the total CE requirement. Reporting your CE Hours Kaplan will gladly report your CE credit hours if you provide us with your license number and expiration date when you register. Annuity Training All agents wishing to sell, solicit, or negotiate an annuity contract or represent an insurer in relation to an annuity product must complete a one-time, four-hour certification training course prior to engaging. Additionally, each resident agent must complete eight hours of continuing education that specifically relates to annuities during the agent s two-year licensing period. A resident agent may use the one-time, four-hour certification training course to satisfy part of the eight-hour annuity continuing education required during the agent s two-year licensing period. Medicare Training Agents wishing to sell, solicit, or negotiate a contract for Medicare products in Texas are required to complete an eight-hour initial certification course (able to be used to satisfy general CE) prior to selling, soliciting, or negotiating a contract for a Medicare product. Agents must complete four hours of continuing education that specifically relates to Medicare-related products during the agent s two-year reporting period. Save Money with CE-Advantage! See page 8 for more details. Call toll-free: 800.428.4210 www.kfeducation.com 3
Courses Commercial Property Coverage: A Building Block in Commercial Insurance Property damage, loss of income, and extra expenses: Today s commercial property owner must be prepared to deal with these issues, and more, if property damage occurs. This introductory class reviews the standardized property and cause of loss forms, coverages, exclusions, and conditions. Specific applications will help students understand the types of property and time element losses that businesses face. Emphasis is placed on recognizing situations where coverage can be enhanced by using endorsements. Oct 3 1:00 pm 5:00 pm Houston-Main Oct 17 1:00 pm 5:00 pm San Antonio Nov 14 1:00 pm 5:00 pm Dallas Estate Planning Techniques: Understanding Trusts, Buy-Sell Agreements, and Special Planning Considerations This class covers several specialized estate planning techniques, and explains a wide range of strategies that can be used during life and after the decedent s death to accomplish planning objectives. Topics covered include the characteristics of several types of trusts, including testamentary and living trusts and simple and complex trusts; the tax implications of placing property in a trust; how buysell agreements can facilitate the continuation of a business and create estate liquidity; and special planning considerations for married couples and people in nontraditional living arrangements. Oct 4 8:00 am 12:00 pm Austin Oct 24 1:00 pm 5:00 pm Arlington Oct 31 8:00 am 12:00 pm Houston-Main Nov 14 1:00 pm 5:00 pm Houston-North Dec 13 1:00 pm 5:00 pm Dallas Dec 20 8:00 am 12:00 pm San Antonio Dec 20 8:00 am 12:00 pm Arlington NEW! Ethics for Insurance Professionals: A Practical Guide This class presents the concept of ethics, how it relates to the sales and service of insurance, and how ethics creates the foundation for personal and professional success. The class sets the foundation by examining ethics as a moral and legal force. It then previews the ethical responsibilities agents owe to their insurers, their policyowners, their states, and the general public. Practical issues such as the proper use of policy illustrations, replacement, and ethical sales presentations are also discussed. Oct 17 9:00 am 12:00 pm Houston-North Oct 17 9:00 am 12:00 pm San Antonio Oct 24 9:00 am 12:00 pm Arlington Nov 1 9:00 am 12:00 pm Houston-Main Nov 14 9:00 am 12:00 pm Dallas Credits: 3.0 Tuition: $49 4 Call toll-free: 800.428.4210 www.kfeducation.com
Courses Medicare and Medicare Supplements: Closing the Coverage Gap With increased life expectancy, it s likely that individuals will be enrolled in Medicare longer than expected. Yet Medicare has significant gaps in coverage that can put assets at risk. This class reviews Medicare Parts A-D, the coverage gaps, and Medicare supplements. The course discusses Medicare Select Plans, Medicare Advantage Plans, as well as the impact of the Affordable Care Act. Medicare riders and the use of HSAs are examined. Participants will leave with a better understanding of Medicare eligibility, the original Medicare Plan, what services are not covered by Medicare, and how to close the Medicare coverage gaps. Oct 4 1:00 pm 5:00 pm Austin Nov 14 1:00 pm 5:00 pm San Antonio Nov 15 8:00 am 12:00 pm Houston-North Nov 21 8:00 am 12:00 pm Arlington Dec 12 1:00 pm 5:00 pm Dallas Planning for the Inevitable: Death and Taxes This class helps students understand asset valuation for estate tax purposes as well as marital, charitable, and other deductions from the gross estate. Students also learn about the nine types of charitable bequests and discover how to find estate tax credits. Oct 17 1:00 pm 5:00 pm Houston-North Recognizing the Signs of Insurance Fraud This class addresses the issue of fraud across the major lines of insurance, and helps students understand the impact of fraud and the role that they, as insurance professionals, can play in addressing it. Students learn both by examining general patterns and specific cases of insurance fraud. Nov 15 1:00 pm 5:00 pm San Antonio NEW! Regulation and Ethics in the Insurance Industry Ethics continues to play an important role in the insurance industry. This class covers the basics of industry regulation and the principles of ethical market conduct. It will review industry regulations and how those regulations affect insurance companies and producers. Also discussed are the ethical standards mandated by most states and federal regulations applicable to many agents. The course concludes by discussing agent responsibilities to the insurer. Oct 3 9:00 am 12:00 pm Austin Oct 3 9:00 am 12:00 pm Houston-Main Oct 17 9:00 am 12:00 pm Dallas Nov 14 9:00 am 12:00 pm San Antonio Nov 14 9:00 am 12:00 pm Houston-North Nov 22 9:00 am 12:00 pm Arlington Credits: 3.0 Tuition: $49 Call toll-free: 800.428.4210 www.kfeducation.com 5
Courses Retirement Planning Strategies Today s retirement planning must address many dimensions and cover many needs: health care and health insurance; income and asset distribution; Social Security; and, unlike the retirement plans of years ago, continued wealth accumulation. Understand the financial concerns facing retirees, identify the products and services that would help meet those concerns, and review the ethics and market conduct requirements of serving the senior market. This class is critical as you help your clients manage their assets in retirement. Nov 22 1:00 pm-5:00 pm Arlington Dec 13 8:00 am-12:00 pm Houston-Main Dec 13 8:00 am-12:00 pm Dallas Dec 19 1:00 pm-5:00 pm San Antonio Dec 20 1:00 pm-5:00 pm Houston-North Dec 20 1:00 pm-5:00 pm Arlington Social Security: Now...and the Future? According to studies and reports that measure the boomers preparedness for retirement, retirees over the next several years will depend heavily on the Social Security retirement benefit. As such, there will be increasing pressure on financial professionals to understand the retirement benefits provided by Social Security and integrate these benefits into clients retirement plans. This course will provide in-depth discussion of all Social Security benefits, will examine the implications of delaying retirement benefits or collecting early, and will discuss recent changes to the Medicare benefit system. Oct 17 1:00 pm-5:00 pm Dallas Oct 18 8:00 am-12:00 pm Houston-North Nov 1 1:00 pm-5:00 pm Houston-Main Nov 15 8:00 am-12:00 pm San Antonio Dec 19 1:00 pm-5:00 pm Arlington Dec 19 1:00 pm-5:00 pm Houston-North Suitability: Matching the Product to the Need Suitability has emerged as perhaps the most significant aspect of an insurance agent s market conduct. The products and choices for today s insurance consumers are many and varied, and selecting life insurance products demands more input from the consumer and more guidance from the advisor or agent. Learn how to evaluate the relationship between a product and a client s needs; follow a thorough, organized process for determining product suitability; understand the important disclosures, on a product-by-product basis, that must be conveyed to prospects and clients; and appropriately apply insurance and annuity products to client needs. Oct 18 8:00 am-12:00 pm Dallas Oct 25 1:00 pm-5:00 pm Arlington Nov 15 1:00 pm-5:00 pm Houston-North Dec 13 1:00 pm-5:00 pm Houston-Main Dec 20 1:00 pm-5:00 pm San Antonio 6 Call toll-free: 800.428.4210 www.kfeducation.com
Courses The Auto Policy Uncovered When a vehicle is damaged, it s easy to obtain an estimate and know the repair cost. However, when a person is injured, the total medical costs can often be unknown. And if the insured negligently injures someone else, it could be years before the full extent of damages are determined. Walk through the details of an auto insurance policy based on the ISO form. In this class you ll review key policy elements such as liability coverage, medical payments, uninsured/underinsured motorist provisions, coverage for direct physical damage, and key endorsements and provisions. Oct 4 8:00 am-12:00 pm Houston-Main Oct 18 8:00 am-12:00 pm San Antonio Nov 15 1:00 pm-5:00 pm Dallas The Ins and Outs of Group Insurance This course helps insurance agents understand how group insurance works, how group insurance and employee benefits serve both the employer and employees, and how group insurance interfaces with other sources of insurance protection. The course provides an overview of group life, health, disability, and long term care insurance, as well as a review of Section 125 plans. Also addressed is the manner in which group insurance interacts with workers compensation benefits, individual insurance coverages, Social Security benefits, and other group insurance coverage that may be carried by a spouse or domestic partner. Oct 3 1:00 pm-5:00 pm Austin Oct 18 1:00 pm-5:00 pm Dallas Oct 18 1:00 pm-5:00 pm Houston-North Oct 31 1:00 pm-5:00 pm Houston-Main Nov 21 1:00 pm-5:00 pm Arlington Dec 19 8:00 am-12:00 pm Houston-North Understanding Disability Income Insurance The ability to earn an income is an individual s most important asset, and lack of protection will affect an individual s or family s financial future. Day-to-day living expenses continue even when income stops. Recognize the probabilities of disability, the potential losses resulting from a disability, and the need for disability income protection. Learn about other sources of disability income protection such as Social Security, group disability income protection, and salary continuation plans. The class also addresses business loss exposures and offsetting those exposures with disability income insurance. Oct 25 8:00 am-12:00 pm Arlington Dec 12 1:00 pm-5:00 pm Houston-Main What s in a Homeowners Policy? The homeowners policy insures more than just a house. Yet there are still limitations and exclusions that, if unknown to the policyholder, could result in a coverage gap. This class describes the details of the homeowners policy, including property and liability coverages and key endorsements. Since all homeowners policies are not created equal, differences among various policy forms are compared based on what perils they cover. The insured s responsibilities at the time of loss and other information needed at the time of claim are also reviewed. Oct 4 1:00 pm-5:00 pm Houston-Main Oct 18 1:00 pm-5:00 pm San Antonio Nov 15 8:00 am-12:00 pm Dallas Call toll-free: 800.428.4210 www.kfeducation.com 7
Other CE Offers Adjuster Continuing Education Stay one step ahead of your state s Adjuster CE requirements with Kaplan s Total Access CE. This complete library of online courses will satisfy your Adjuster CE requirement for only $59! Total Access CE for Adjusters features: Access to 40+ courses authored by industry experts Easy navigation 365 days of unlimited access CE Credit Tracker Ability to retake exams as often as needed Immediate results with instant exam scoring Your credit hours reported to the DOI (where applicable) Save Money with CE-Advantage By paying for 15 or more credit hours before you attend your first live class, you receive the CE-Advantage savings*! With CE-Advantage, you can select up to 15 CE credits in any combination of half-day and full-day live classes and receive 10% off! Fulfill your CE requirements quickly! To use CE-Advantage, you must purchase your credits before attending classes or you will be charged the regular tuition listed in the catalog. All CE-Advantage courses must be completed within one year from date of purchase. There is no refund for unused credits. *Offer expires 12/31/13. 800.428.4210 Discount Code: CETX15 Kaplan is the leader in continuing education classes in my opinion. I have been an accident & health/life insurance producer since 1998 and always turn to Kaplan when it s time to renew my license. M. Johnson, Manager, Reinsurance Administration 8 Call toll-free: 800.428.4210 www.kfeducation.com
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COURSE CALENDAR OCTOBER 3 Regulation and Ethics in the Insurance Industry 9:00am 12:00pm AU 3 The Ins and Outs of Group Insurance 1:00pm 5:00pm AU 3 Regulation and Ethics in the Insurance Industry 9:00am 12:00pm HM 3 Commercial Property Coverage: A Building Block in Commercial Insurance 1:00pm 5:00pm HM 4 Estate Planning Techniques: Understanding Trusts, Buy-Sell Agreements, and Special Planning Considerations 8:00am 12:00pm AU 4 Medicare and Medicare Supplements: Closing the Coverage Gap 1:00pm 5:00pm AU 4 The Auto Policy Uncovered 8:00am 12:00pm HM 4 What's in a Homeowner's Policy? 1:00pm 5:00pm HM 17 Ethics for Insurance Professionals: A Practical Guide 9:00am 12:00pm SA 17 Commercial Property Coverage: A Building Block in Commercial Insurance 1:00pm 5:00pm SA 17 Ethics for Insurance Professionals: A Practical Guide 9:00am 12:00pm HN 17 Planning for the Inevitable: Death and Taxes 1:00pm 5:00pm HN 17 Regulation and Ethics in the Insurance Industry 9:00am 12:00pm DA 17 Social Security: Now...and the Future? 1:00pm 5:00pm DA 18 Suitability: Matching the Product to the Need 8:00am 12:00pm DA 18 The Ins and Outs of Group Insurance 1:00pm 5:00pm DA 18 Social Security: Now...and the Future? 8:00am 12:00pm HN 18 The Ins and Outs of Group Insurance 1:00pm 5:00pm HN 18 The Auto Policy Uncovered 8:00am 12:00pm SA 18 What's in a Homeowner's Policy? 1:00pm 5:00pm SA 24 Ethics for Insurance Professionals: A Practical Guide 9:00am 12:00pm AR 24 Estate Planning Techniques: Understanding Trusts, Buy-Sell Agreements, and Special Planning Considerations 1:00pm 5:00pm AR 25 Understanding Disability Income Insurance 8:00am 12:00pm AR 25 Suitability: Matching the Product to the Need 1:00pm 5:00pm AR 31 Estate Planning Techniques: Understanding Trusts, Buy-Sell Agreements, and Special Planning Considerations 8:00am 12:00pm 31 The Ins and Outs of Group Insurance 1:00pm 5:00pm HM HM NOVEMBER 1 Ethics for Insurance Professionals: A Practical Guide 9:00am 12:00pm HM 1 Social Security: Now...and the Future? 1:00pm 5:00pm HM 14 Ethics for Insurance Professionals: A Practical Guide 9:00am 12:00pm DA 14 Commercial Property Coverage: A Building Block in Commercial Insurance 1:00pm 5:00pm DA 14 Regulation and Ethics in the Insurance Industry 9:00am 12:00pm SA 14 Medicare and Medicare Supplements: Closing the Coverage Gap 1:00pm 5:00pm SA 14 Regulation and Ethics in the Insurance Industry 9:00am 12:00pm HN 14 Estate Planning Techniques: Understanding Trusts, Buy-Sell Agreements, and Special Planning Considerations 1:00pm 5:00pm HN 15 Medicare and Medicare Supplements: Closing the Coverage Gap 8:00am 12:00pm HN 15 Suitability: Matching the Product to the Need 1:00pm 5:00pm HN 15 Social Security: Now...and the Future? 8:00am 12:00pm SA 15 Recognizing the Signs of Insurance Fraud 1:00pm 5:00pm SA 15 What's in a Homeowner's Policy? 8:00am 12:00pm DA 15 The Auto Policy Uncovered 1:00pm 5:00pm DA 10 AR=Arlington, AU=Austin, DA=Dallas, HM=HOUSTON-Main, HN=Houston-North, SA=San Antonio
NOVEMBER CONTINUED 21 Medicare and Medicare Supplements: Closing the Coverage Gap 8:00am 12:00pm AR 21 The Ins and Outs of Group Insurance 1:00pm 5:00pm AR 22 Regulation and Ethics in the Insurance Industry 9:00am 12:00pm AR 22 Retirement Planning Strategies 1:00pm 5:00pm AR DECEMBER 12 Understanding Disability Income Insurance 1:00pm 5:00pm HM 12 Medicare and Medicare Supplements: Closing the Coverage Gap 1:00pm 5:00pm DA 13 Retirement Planning Strategies 8:00am 12:00pm DA 13 Estate Planning Techniques: Understanding Trusts, Buy Sell Agreements, and Special Planning Considerations 1:00pm 5:00pm DA 13 Retirement Planning Strategies 8:00am 12:00pm HM 13 Suitability: Matching the Product to the Need 1:00pm 5:00pm HM 19 The Ins and Outs of Group Insurance 8:00am 12:00pm HN 19 Social Security: Now...and the Future? 1:00pm 5:00pm HN 19 Retirement Planning Strategies 1:00pm 5:00pm SA 19 Social Security: Now...and the Future? 1:00pm 5:00pm AR 20 Estate Planning Techniques: Understanding Trusts, Buy Sell Agreements, and Special Planning Considerations 8:00am 12:00pm SA 20 Suitability: Matching the Product to the Need 1:00pm 5:00pm SA 20 Estate Planning Techniques: Understanding Trusts, Buy Sell Agreements, and Special Planning Considerations 8:00am 12:00pm AR 20 Retirement Planning Strategies 1:00pm 5:00pm AR 20 Retirement Planning Strategies 1:00pm 5:00pm HN COURSE CALENDAR Finish it all with Total Access CE You ll receive 365 days of unlimited online access to recent changes and trends. Stay on the leading edge of the industry while fulfilling your CE requirements. ONLY $ 59 Texas Total Access CE includes: Over 100 courses Immediate results with instant exam scoring The ability to retake exams as often as you need 365 days of unlimited access to our library Call 800.428.4210 AR=Arlington, AU=Austin, DA=Dallas, HM=HOUSTON-Main, HN=Houston-North, SA=San Antonio 11
October December 2013 Course Catalog Texas Insurance Continuing Education 332 Front Street South, Suite 501 La Crosse, WI 54601 MRKT-11086 To register, call 800.428.4210 or visit www.kfeducation.com