Florida Life & Health 60 Hour Pre-License (2-15)

This 60 hour pre-license course for Florida life and health insurance professionals covers all of the mandatory topics outlined by the state of Florida.

We begin with the topic of types of policies and features. We start with the personal uses of life insurance, and from there explain the different types and features of life insurance policies. We also go over annuities in detail, including the basics concepts, premium payment options, and the differences between fixed and variable annuities.

The second topic covered in this course is policy riders, provisions, options, and exclusions. In this portion of the course we go over the specific riders available for life insurance, including the ability to add riders to a primary policy. After that, we cover the provisions and options available in a life insurance policy, such as the entire contract provision, consideration clause, and the grace period. At the end of the topic, we go over nonforfeiture options, reinstatement, dividends, and exclusions.

Our third topic goes over the basics for completing the application, underwriting, and delivering a policy. We begin with the specific information that goes on the application, as well as the consequence for incomplete applications. From there, we go over topics such as representations and warranties, receipts, underwriting basics, and unilateral contracts.

After that, we go over taxes, retirement, and other insurance concepts. In this portion of the course, we cover a variety of insurance concepts, including viatical settlement, social security benefits, qualified and non-qualified retirement plans, and the tax treatment of insurance premiums.

The next portions of the course cover health insurance. We begin with the topic of types of policies, which is split into two parts. The first part starts with disability income, going over definitions, concepts, and other basic information. This is expanded on by the next area of study, group and individual disability income. From there, we go over riders, such as the lifetime benefit rider and the hospital confinement rider, and then move into accidental death and dismemberment, medical expense insurance, Medicare, and Medicare supplement and advantage plans.

The second part of health insurance policies starts with coverage of group insurance policies, including group conversion and small employer medical plans. From there we go over long-term care insurance, defining our terms and going over the basics of long-term care insurance. Next is dental insurance, followed by other policies, including vision and cancer insurance.

The next topic covered in this course is policy provisions, clauses, and riders. In this portion of the course we go over the mandatory and optional provisions that must be included in a health insurance policy, as well as the optional provisions that are able to be included. Then, we go over the other important provisions and clauses, such as the free look, consideration clause, and the probationary period. We finish this topic with a look at riders and rights of renewability.

The third topic is social insurance. In it, we go over the basics of social insurance, starting with Medicare Parts A and B. We go over additional Medicare coverage, such as skilled nursing facility care and home health services. From there, we go through Medicare supplement and Medigap plans, including Medicare Parts C and D. We finish the topic with Medicaid and social security.

Our fourth topic is other insurance concepts, which includes more detail on disability concepts, and explains dependent children benefits, primary and contingent beneficiaries, and classes of beneficiaries. We also cover the tax treatment of a variety of policies, and finish the topic with subrogation.

Field underwriting procedures is our fifth topic, and we cover the basic steps and requirements for completing the insurance application, including when to collect the initial premium, receipts, and investigative consumer reports. We also cover contract law, going over unilateral, adhesion, aleatory, and personal contracts, finishing with warranties and representations.

From here, we move onto the state-specific statutes, rules, and regulations that are common to all lines of insurance, with this topic being split into two parts. In the first part, we provide a basic overview of regulatory authorities such as the Department of Financial Services and the Office of Insurance Regulation. We also define many important terms as used in the state of Florida, and finish the first part with licensing requirements for Florida insurance professionals.

The second part of our coverage of laws that are common to all lines continues coverage of licensing requirements, going over the specific requirements for education and maintaining a license. We also go over the agent responsibilities in Florida and the insurance guaranty fund. We finish with marketing practices, including coverage of unfair methods of competition.

Our final topics relate to laws that are pertinent and specific to life insurance and annuities, and those that are specific to health insurance. We begin with the state-specific requirements for life insurance, including marketing methods and practices, such as the agent responsibilities and the prohibited practices. We then go over the requirements for policy and contract replacement, and finish with the standard provisions and related topics for both individual contract and group policies.

From there, we move into the first part of our final topic, which goes over the Florida laws pertinent to health insurance. We begin with the state-specific requirements for standard policy provisions and clauses, and then move into the required and optional provisions for health insurance policies in Florida. We also go over group health insurance and unfair trade practices.

The second and final part of our course goes through the state-specific requirements for Medicare supplements, long-term care insurance, and small employers. We also cover the requirements for specific plan types, including HMOs, PPOs, EPOs, and discount plans.

During the course, there will be in-text questions to help you gauge your knowledge while moving through the course, and there are incremental quizzes after each topic. At the end of the course there is a 165-question final exam. Once you finish, you’ll have completed all of your pre-license education, all at your own pace!

Course Format: Text

Credit Type: Pre-License Training

Course ID(s): 118688

Approved By: Florida Department of Financial Services - Division of Insurance