This course provides all 48 hours of CE that you need! In addition to reviewing key concepts and principles of Life and Health insurance, it will also meet the 6 hour Ethics requirement!

This course begins with a review of the fundamental concepts and the ethics class. After that, we'll cover life insurance policy types, standard policy provisions, and talk about the impact of health insurance and some general policy provisions. Next, you'll learn about qualified plans, securities, annuities, and disability. Then we'll discuss medical plans, including group health plans, dental insurance and medicare. Finally, we'll cover long-term care policies, federal tax considerations, and federal regulations you'll need to know. The course concludes with two state-mandated exams, on the L&H topics covered and ethics.

Course Format: Text

Credit Type: Elective, Ethics

Course ID(s): 102560, 101567

Approved By: Arizona Department of Financial Institutions (AZDFI)

  • General Insurance Concepts
    • General Insurance Concepts [18 Activities]
      • 01. Introduction to General Concepts (Video)
      • 02. What is Insurance?
      • 03. Risk and Risk Management
      • 04. Risk and Risk Management: Techniques and Insurable Interest
      • 05. Insurers (Video)
      • 06. Insurers
      • 07. Financial Status (Video)
      • 08. Insurers: Financial Status
      • 09. Producers and Agency Relationship (Video)
      • 10. Producers and Agency Relationships: What is Agency?
      • 11. Producers and Agency Relationships: Creation of an Agency Relationship
      • 12. Producers and Agency Relationship: Authority, Powers, and Responsibilities of Producers
      • 13. Contracts (Video)
      • 14. Contracts
      • 15. Contracts: Elements of a Legal Contract
      • 16. Contracts: Distinct Characteristics of an Insurance Contract
      • 17. Contracts: Legal Interpretations Affecting Contracts
      • 18. Conclusion (Video)
  • Introduction to Ethics for Insurance Producers
    • Insurance Ethics [22 Activities]
      • 01. Introduction (Video)
      • 02. What is Ethics?
      • 03. Ethical Concepts and Terminology
      • 04. Why Ethics Matter (Video)
      • 05. Why Ethics Matter
      • 06. Duties of an Insurance Producer (Video)
      • 07. Ethical Duties
      • 08. Ethical Duties - Part 2
      • 09. Ethical Duties - Part 3
      • 10. Ethical Situations (Video)
      • 11. Ethical Situations
      • 12. Laws Governing Ethics (Video)
      • 13. Laws Governing Ethical Conduct
      • 14. Laws Governing Ethical Conduct - Part 2
      • 15. Laws Governing Ethical Conduct - Part 3
      • 16. Insurance Industry Codes of Ethics (Video)
      • 17. Insurance Industry Codes of Ethics - Part 1
      • 18. Insurance Industry Codes of Ethics - Part 2
      • 19. Insurance Industry Codes of Ethics - Part 3
      • 20. Insurance Industry Codes of Ethics - Part 4
      • 21. Looking Forward
      • 22. Conclusion (Video)
  • Fundamental Concepts for Life Insurance Producers
    • Fundamental Concepts [8 Activities]
      • 01. Introduction (Video)
      • 02. Uses of Life Insurance (Video)
      • 03. Uses for Life Insurance: Personal and Business Uses of Life Insurance
      • 04. Uses for Life Insurance: Determining Amount of Personal Life Insurance
      • 05. Aspects of Life Insurance
      • 06. Individual Underwriting by the Insurer (Video)
      • 07. Individual Underwriting by the Insurer
      • 08. Conclusion (Video)
  • Life Insurance Policy Types
    • Life Insurance Policy Types [13 Activities]
      • 01. Introduction (Video)
      • 02. Policy Descriptions in Brief
      • 03. Whole Life Insurance and Term Life Insurance (Video)
      • 04. Individual Policies in Detail: Whole Life Insurance
      • 05. Individual Policies in Detail: Term Life Insurance
      • 06. Flexible Policies and Specialized Policies (Video)
      • 07. Individual Policies in Detail: Flexible Policies
      • 08. Individual Policies in Detail: Specialized Policies
      • 09. Individual Policies in Detail: Endowment Policies and Worksite Plans
      • 10. Group Life Insurance and Credit Life Insurance (Video)
      • 11. Group Policies in Detail
      • 12. Credit Life Insurance
      • 13. Conclusion (Video)
  • Standard Policy Provisions
    • Standard Policy Provisions [17 Activities]
      • 01. Introduction (Video)
      • 02. Standard Policy Provisions - Part 1
      • 03. Standard Policy Provisions - Part 2
      • 04. Beneficiaries (Video)
      • 05. Standard Policy Provisions - Part 3
      • 06. Standard Policy Provisions - Part 4
      • 07. Options (Video)
      • 08. Options: Settlement
      • 09. Options: Nonforfeiture
      • 10. Options: Loans, Withdrawals, and Surrenders
      • 11. Riders - Part 1 (Video)
      • 12. Disability, LTC, and Accelerated Benefit Riders
      • 13. Riders - Parts 2-4 (Video)
      • 14. Term Riders
      • 15. Other Riders
      • 16. Viatical Trust Settlements
      • 17. Conclusion (Video)
  • Introduction to Health Insurance
    • Introduction to Health Insurance [21 Activities]
      • 01. Introduction to Health Insurance (Video)
      • 02. Definitions
      • 03. Basics of Health Insurance
      • 04. Policyholders' Bill of Rights
      • 05. Uses of Health Insurance
      • 06. Principal Types of Losses and Benefits
      • 07. Types of Health Insurance Policies: Part 1
      • 08. Classes of Health Insurance (Video)
      • 09. Types of Health Insurance Policies: Part 2
      • 10. Premiums
      • 11. Important Legislation
      • 12. Exclusions
      • 13. Other Insurance Concepts
      • 14. Producer Responsibilities (Video)
      • 15. Producer Responsibilities
      • 16. Producer Responsibilities: Part 2 (Video)
      • 17. Field Underwriting
      • 18. Individual Underwriting By the Insurer
      • 19. Your Responsibilities Towards Applicants or Insureds (Video)
      • 20. Considerations in Replacing Accident and Health
      • 21. Conclusion (Video)
  • Health Insurance Policy General Provisions
    • General Provisions [7 Activities]
      • 01. Introduction (Video)
      • 02. Uniform Policy Provisions
      • 03. Other General Provisions (Video)
      • 04. Other General Provisions - Part 1
      • 05. Other General Provisions - Part 2
      • 06. Riders
      • 07. Conclusion (Video)
  • Qualified Plans and Retirement
    • Qualified Plans and Retirement [12 Activities]
      • 01. Introduction (Video)
      • 02. Qualified Plans - Part 1
      • 03. Qualified Plans - Part 2: Plan Types, Characteristics, and Purchasers
      • 04. Federal Tax Considerations for Qualified Plans (Video)
      • 05. Qualified Plans - Part 3: Federal Tax Considerations for Qualified Plans
      • 06. Rollovers, Transfers, and 1035 Exchanges (Video)
      • 07. Rollovers and Transfers
      • 08. Section 1035 Exchanges
      • 09. Social Security Benefits
      • 10. Employee Retirement Income Security Act (Video)
      • 11. Employee Retirement Income Security Act (ERISA)
      • 12. Conclusion (Video)
  • Life Insurance and Securities
    • Life Insurance and Securities [4 Activities]
      • 01. Introduction (Video)
      • 02. Dodd-Frank
      • 03. Variable Life Insurance and Variable Annuities as Securities
      • 04. Conclusion (Video)
  • Annuities
    • Annuity Suitability [22 Activities]
      • 01. Introduction (Video)
      • 02. Introduction
      • 03. Types of Annuities (video)
      • 04. Types of Annuities and Various Classifications of Annuities
      • 05. The Parties to an Annuity (Video)
      • 06. The Parties to an Annuity
      • 07. Annuity Contract Provisions (Video)
      • 08. Annuity Contract Provisions (How fixed, indexed, and variable annuity contract provisions affect consumers)
      • 09. Annuity Contract Provisions, Part 2
      • 10. Equity-indexed and Variable Annuities (Video)
      • 11. Annuity Contract Provisions, Part 3
      • 12. Annuity Contract Provisions, Part 4
      • 13. Annuities and Taxation (Video)
      • 14. Application of Income Taxation to Qualified and Non-Qualified Annuities
      • 15. Primary Uses of Annuities (Video)
      • 16. Primary Uses of Annuities
      • 17. Suitability in Annuity Transactions (Video)
      • 18. Appropriate Sales Practices, Replacement and Disclosure Requirements
      • 19. Appropriate Sales Practices, Replacement and Disclosure Requirements, Part 2
      • 20. Unfair Marketing & Record-Keeping (Video)
      • 21. Appropriate Sales Practices, Replacement and Disclosure Requirements, Part 3
      • 22. Conclusion (Video)
  • Disability Income & Similar Insurance
    • Disability [19 Activities]
      • 01. Introduction to Disability (Video)
      • 02. Statistics
      • 03. Definitions of Disability (Video)
      • 04. Definitions
      • 05. Definitions - Part 2
      • 06. Qualifying for Disability Benefits (Video)
      • 07. Qualifying for Disability Benefits
      • 08. Different Types of Disability Coverage (Video)
      • 09. Different Types of Disability Coverage
      • 10. Group and Individual Disability Income Insurance (Video)
      • 11. Group and Individual Disability Income Insurance
      • 12. Group and Individual Disability Income Insurance - Part 2
      • 13. Unique Aspects of Disability Underwriting (Video)
      • 14. Unique Aspects of Disability Underwriting
      • 15. Social Security Disability (Video)
      • 16. Social Security Disability
      • 17. Workers Compensation (Video)
      • 18. Workers Compensation
      • 19. Conclusion (Video)
  • Medical Plans
    • Medical Plans [7 Activities]
      • 01. Introduction to Medical Plans (Video)
      • 02. Medical Plan Concepts
      • 03. Types of Providers and Plans (Video)
      • 04. Types of Providers and Plans
      • 05. Cost Containment in Health Care Delivery (Video)
      • 06. Cost Containment in Health Care Delivery
      • 07. Conclusion (Video)
  • Group Health Insurance
    • Group Health [7 Activities]
      • 01. Group Insurance Concepts
      • 02. Types of Eligible Groups
      • 03. Advertising Group Health Insurance
      • 04. Employer Group Health Insurance
      • 05. Loss of Coverage / Coverage Continuation / Changing Coverage
      • 06. Small Employer Medical Plans
      • 07. Other Types of Supplementary Group Coverage
  • Dental Insurance
    • Dental [5 Activities]
      • 01. Introduction (Video)
      • 02. Dental Insurance - Part 1
      • 03. Indemnity Plans
      • 04. Employer Group Dental Expense
      • 05. Conclusion (Video)
  • Medicare
    • Medicare [25 Activities]
      • 01. History of Medicare (Video)
      • 02. Medicare - An Overview: Part 1
      • 03. Medicare - An Overview: Part 2
      • 04. Medicare Part A: Individual Eligibility Requirements (Video)
      • 05. Medicare Part A - In Detail
      • 06. Medicare Part A - Part 2
      • 07. Medicare Part A - Part 3
      • 08. Medicare Part A - Part 4
      • 09. Medicare Part B - In Detail
      • 10. Medicare Part B (Video)
      • 11. Medicare Part B - Part 2
      • 12. Medicare Part B - Part 3
      • 13. Medicare Part B - Part 4
      • 14. Medicare Part B - Part 5
      • 15. Part A and Part B Exclusions
      • 16. Medicare C & D (Video)
      • 17. Medicare Parts C & D - In Detail
      • 18. Medicare Parts C & D - Part 2
      • 19. Medicare Parts C & D - Part 3
      • 20. Medigap (Video)
      • 21. Medicare Supplements & MediGap
      • 22. Medicare Conclusion (Video)
      • 23. Other Options
      • 24. Other Options - Part 2
      • 25. Conclusion (Video)
  • Long-Term Care Policies
    • Long-Term Care Insurance [10 Activities]
      • 01. Qualified Long-Term Care
      • 02. Long-Term Care Insurance
      • 03. NAIC Model LTCi Act
      • 04. Building a LTC Insurance Policy I
      • 05. Building a LTC Insurance Policy II
      • 06. Building a LTC Insurance Policy III
      • 07. Non-Tax-Qualified LTC Policies
      • 08. Alternatives to LTC Insurance
      • 09. Suitability for LTC Insurance
      • 10. The Future of Long-Term Care
  • Federal tax Considerations for Life Insurance and Annuities
    • Tax Considerations for Life Insurance and Annuities [9 Activities]
      • 01. Introduction (Video)
      • 02. Taxation of Personal Life Insurance
      • 03. Taxation of Non-Qualified Annuities (Video)
      • 04. Taxation of Group Life Insurance
      • 05. Taxation of Nonqualified Annuities
      • 06. Taxation of Individual Retirement Annuities (Video)
      • 07. Taxation of Individual Retirement Annuities (IRAs)
      • 08. Washington Specific Tax Considerations
      • 09. Conclusion (Video)
  • Federal Tax Considerations for Health Insurance
    • Federal Tax Considerations [8 Activities]
      • 01. Introduction (Video)
      • 02. Personally-Owned Health Insurance
      • 03. Employer Group Health Insurance
      • 04. Medical Expense Coverage for Sole Proprietors and Partners
      • 05. Business Disability Insurance
      • 06. Health Savings Accounts and Other Tax-Favored Health Plans (Video)
      • 07. Health Savings Accounts and Other Tax-Favored Health Plans
      • 08. Conclusion (Video)
  • Federal Regulations Covering Life and Health Insurance
    • Federal Regulations Covering Life & Health Insurance [14 Activities]
      • 01. Introduction (Video)
      • 02. Federal Regulations Governing Health Insurance: Part 1
      • 03. Federal Regulations Governing Health Insurance - Part 2
      • 04. Federal Regulations Governing Health Insurance - Part 3
      • 05. Patient Protection and Affordable Care Act (Video)
      • 06. Federal Regulations Governing Health Insurance - Part 4
      • 07. Affordable Care Act: Changes to Underwriting (Video)
      • 08. Federal Regulations Governing Health Insurance - Part 5
      • 09. Federal Regulations Governing Health Insurance - Part 6
      • 10. Federal Regulations Governing Health Insurance - Part 7
      • 11. Fines, Penalties, Subsidies, and Tax Credits (Video)
      • 12. Federal Regulations Governing Health Insurance - Part 8
      • 13. Federal Regulations Governing Health Insurance - Part 9
      • 14. Conclusion (Video)
  • Final Test
    • Final Exam (75 questions)
  • Course Completion
    • Mandatory Questionnaire
    • Certificate of Completion - 42 Hour Life & Health Review
    • Certificate of Completion - 6 Hour Principles of Ethics Course
    • Guaranteed Next-Day Reporting
Instructor Image

Instructor Bio

Gary Sternberg

Gary Sternberg is a veteran of insurance training, having been in the insurance education industry for over 25 years. He is a highly focused, licensed professional with top-level skills in prelicense and continuing education content authorship and training. He is well-versed in compliance and has extensive experience with state and federal regulatory laws and rules. Gary brings to At Your Pace Online students his excellent teaching, writing, and presentation skills with the ability to turn the complex into learnable “normal” person material. Most importantly, Gary has a passion for insurance education and seeing students successfully navigate the licensing process.
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