Agents have difficulties in mastering the nuances of annuities. Stockbrokers and insurance representatives placed in banks have jumped onto the annuity bandwagon because clients want to know about the products, but annuities differ in many ways from the purchase of a stock or a bank CD. Just as the annuity product learning curve is stiffer for the new agent, the comprehension curve for the interested buyer can be much more challenging. This course seeks to explain the inner workings of the annuity in simple language and simple applications.

Hours : 4

This course examines ten habits that responsible LTCI agents should practice.  Responsible agents focus on the tools, techniques, and ideals that can be used to bring consistency and fair dealing to an LTC insurance production. We will also discuss habits, focusing on the simple techniques and straight-forward concepts insurance agents can use to responsibly transact long term care insurance.

Hours : 4

This Senior Moments: Long Term Care and Medicare course, specific to the state of Ohio, covers topics key to understanding the long term care needs of elderly adults. This course begins with an overview of Medicare and Medicaid in terms of how they will or will not pay the costs of long term care.  Long term care statistics, costs, provider options, and policy features and provisions are covered in some detail.  The course concludes with several modules that consider how to better explore a client’s long term care needs and identify alternative coverage/financing solutions.

Hours : 8

This course will provide the agent with the information and tools businesses need to provide benefits for their employees through meeting group benefits objectives, developing executive incentives, establishing retirement plans, all while managing cash flow and taxation related to all these needs.

Hours : 5

Commercial insurance coverage fills an important need for businesses.  Without it, a business could suffer such significant loss that its ongoing financial health is suspended.  This course looks at the many types of commercial insurance coverages available and how they meet a business’ needs. First, the many risks a business is exposed to are considered.  Next, principles of risk management are explained, and the importance of insurance in managing risks is defined.  Liability coverages are then examined, for large and small businesses.  Business property coverages are discussed, followed by business auto coverage.  Transportation and communication risks are addressed through inland marine coverage.  The course concludes with a look at terrorism coverage.

Hours : 6

This course is designed to equip the insurance agent in assisting clients with their education funding needs. It begins by looking at the need for a college education today and the trends in its cost. It provides a comprehensive overview of various college funding tools, including through financial aid, Section 529 plans, Coverdell ESAs, and Savings Bonds. Tax rules surrounding the payment of higher education are described, including both tax credit rules and tax deductibility of certain tuition, fees and student loan interest. The use of IRA and qualified plan funds for payment of higher education expenses is discussed, including the use of fixed and variable annuities within these plans. The use of life insurance as a college funding vehicle, including through the use of the death benefit and by taking loans or withdrawals from cash values, is explored. The course concludes with a synopsis of common sense ways an education plan can be fulfilled, by using a budget, limiting the use of credit cards and planning ahead.

Hours : 4

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. FEMA published minimum training and education requirements, as required by Section 207 of the Flood Insurance Reform Act of 2004. This education is meant for all insurance agents that sell Standard Flood Insurance Policies (SFIP) issued through the National Flood Insurance Program (NFIP).

Hours : 4

This course will provide an in-depth exploration of business and health insurance and the role they play on the business market.  In these five units, we will focus on 412(i) and Health Savings Account plans and will delve into the definitions and components of business insurance, a discussion of rising health insurance costs and the counter-measures that have been made in response, and tax rules that accompany business and health insurance.

Hours : 5

The insurance industry’s name is often besmirched with stories of unethical agents.  It is easy to find legal cases brought against agents who were putting their own interests before their clients or to hear stories of agents who did not have the best interests of their clients at heart. It is only by incorporating preferred practices into your own business that you can begin to help the industry’s reputation. In this course, we will discuss both the legal and ethical implications of being an insurance agent.  We will examine the best practices for sales, business, e-conduct, and privacy.  We will also look at loss control and consumer protection.

Hours : 4

This course will look at ten habits that responsible LCTI agents should practice.  Responsible agents focus on the tools, techniques, and ideals that can be used to bring consistency and fair dealing to an LTC insurance production. We will also discuss habits, focusing on the simple techniques and straight-forward concepts insurance agents can use to responsibly transact long term care insurance.

Hours : 6

The purpose of this 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 what is required (or prohibited) by law toward a higher level of service and success. The course looks at the difference between compliance and ethics, the practical and ethical duties a producer owes to his or her insurer, clients, and to the public at large, practice areas that are common sources for conflicts and problems and how they can be avoided, case law that documents the many areas that are ripe for client/producer/insurer disputes and conflicts, and how to develop a principled and ethics-based approach to one’s practice – and most importantly, how to apply it.

Hours : 4

E & O is a form of insurance that covers liabilities for errors, mistakes and negligence in the usual business activities. It does not, however, cover fraudulent behavior, punitive damages or claims based on transactions for the personal account of a business professional. Considering the enormous exposure to liability of business professionals under the provisions of the broad liability laws, the importance of E & O insurance cannot be overstated. Take the purchase of E&O insurance seriously – it is one of the most important business decisions a professional will make.

Hours : 6

The Homeowners Endorsements course examines insurance endorsements that offer protection beyond the typical coverage of a Homeowners Insurance policy. You’ll learn about protecting the small business owner, entrepreneur, and landlord from liabilities, property damage, and other losses. You will also learn which endorsements cover perils such as earthquakes, water damage, sinkholes, and others. You will gain the knowledge to assist your clients in determining proper amount of coverages for inflation and replacement costs. Additionally, for clients who want unique liability coverage for items such as watercraft or rented structures, you will know with certainty what endorsements to offer them.

Hours : 4http://www.hondroslearning.com/?pcsl=3bf1a37109