This complete online Iowa Insurance package will give you everything you need to renew! The Iowa Insurance Division has chosen to allow students to complete all 36 hours of their required CE through online methods permanently. See Iowa Administrative Code Chapter 11.
This package includes topics on all major lines of authority: Life, Health, Property, and Casualty. We'll start with a discussion about different topics surrounding ethical practices, such as ethics versus morals, ethics in practice, ethical decision-making models that illustrate how ethical dilemmas may be solved, and the terminology used in ethics, such as tort law, equity, and more. The course will assist the student in making the proper ethical decisions, provide examples of poor ethical choices, and the legal enforcement of ethics.
Next, we'll review key concepts and principles of Property and Casualty insurance. We'll discuss concepts including automobile insurance, commercial package policies, businessowners insurance, workers’ compensation insurance, and other forms of property and casualty insurance such as excess and umbrella insurance and flood insurance.
Finally, we'll cover training on a number of topics including the general concepts of insurance, annuities, qualified retirement plans, disability insurance, dental insurance, long term care insurance, and the taxation of life and health insurance benefits.
Each course ends with a final exam that you can take as many times as needed to pass.
Course Format: Text
Credit Type: Ethics, General
Course ID(s): 106978, 106979, 106980
Approved By: Insurance Division
- Insurance Ethics
- 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)
- Insurance Ethics [22 Activities]
- Ethics Exam
- Affidavit - Ethics
- Final Exam - Ethics (34 questions)
- Property and Casualty Basics
- Property and Casualty Basics [16 Activities]
- 01. Introduction (Video)
- 02. Principles and Concepts
- 03. Principles and Concepts: Loss (Video)
- 04. Principles and Concepts: Loss
- 05. Negligence, Liability, and Damages (Video)
- 06. Negligence, Liability, and Damages
- 07. Policy Structure (Video)
- 08. Policy Structure and Contracts
- 09. Common Policy Provisions (Video)
- 10. Common Policy Provisions
- 11. Common Policy Provisions - Part 2 (Video)
- 12. Other Common Policy Provisions
- 13. Common Policy Provisions - Part 3 (Video)
- 14. Party Specific Policy Provisions
- 15. Cause of Loss Form
- 16. Conclusion (Video)
- Property and Casualty Basics [16 Activities]
- Dwelling Policy
- Dwelling Policy [13 Activities]
- 01. Introduction (Video)
- 02. Policy Form
- 03. Characteristics and Purpose
- 04. Eligibility
- 05. Coverage Forms - Perils Insured Against
- 06. Property Coverages
- 07. Property Coverages - Part 2
- 08. General Exclusions
- 09. Conditions - Part 1
- 10. Conditions - Part 2
- 11. Selected Endorsements
- 12. Personal Liability Supplement
- 13. Conclusion (Video)
- Dwelling Policy [13 Activities]
- Homeowner's Policy
- Homeowner's Policy [23 Activities]
- 01. Introduction ( Video)
- 02. Objectives
- 03. Definitions
- 04. Policy Forms - HO-1 through HO-8
- 05. Structure of a Homeowners Policy
- 06. Property Coverages
- 07. Property Coverages: Additional Coverages Available Under Section 1 - All Policy Forms
- 08. Property Coverages: Additional Coverages Available Under Section 1 - Specific Policy Forms
- 09. Property Coverages: Exclusions to the Coverages Otherwise Included in Section 1
- 10. Property Coverages: Conditions Relative to Section 1
- 11. Property Coverages: Additional Conditions Relative to Section 1
- 12. Liability Coverages (Video)
- 13. Section 2 - Liability Coverages
- 14. Liability Coverages: Exclusions to Liability Coverage
- 15. Liability Coverages: Exclusions to Coverage E and F
- 16. Liability Coverages: Conditions Relative to Section 2
- 17. Conditions Relative to Both Sections 1 and 2
- 18. Endorsements (Video)
- 19. Endorsements
- 20. Endorsements: Scheduled Personal Property (HO 04 61)
- 21. Endorsements: Personal Property Replacement Cost, Business Pursuits, Watercraft, and Personal Injury
- 22. Endorsements: Additional Endorsements
- 23. Conclusion (Video)
- Comparison of Homeowner Policy Perils
- Homeowner's Policy [23 Activities]
- Personal Automobile Insurance
- Personal Automobile Policies [10 Activities]
- 01. Introduction (Video)
- 02. Fundamentals of Auto Coverage
- 03. Fundamentals of Auto Coverage: Definitions, Policy-Wide Exclusions, and Insurance Scores
- 04. Personal Auto Policies in Detail
- 05. Personal Auto Policies in Detail: Coverage C - Medical Payments Coverage
- 06. Personal Auto Policies in Detail: Coverage D - Uninsured Motorist / Underinsured Motorist
- 07. Personal Auto Policies in Detail: Physical Damage Coverages
- 08. Personal Auto Policies in Detail: Conditions and Provisions
- 09. Personal Auto Policies in Detail: Personal Auto Policy Endorsements
- 10. Conclusion (Video)
- Personal Automobile Policies [10 Activities]
- Commercial Automobile Insurance
- Commercial Automobile Policies [13 Activities]
- 01. Introduction (Video)
- 02. Commercial Auto Policies: Introduction
- 03. Business Auto Coverage
- 04. Business Auto Coverage: Definitions
- 05. Business Auto Coverage: Liability
- 06. Business Auto Coverage: Exclusions to Liability Coverage
- 07. Business Auto Coverage: Limits of Liability
- 08. Business Auto Coverage: Physical Damage Coverage
- 09. Business Auto Coverage: Conditions
- 10. Other Commercial Auto Coverage Forms
- 11. Commercial Auto Endorsements
- 12. More Commercial Auto Endorsements
- 13. Conclusion (Video)
- Commercial Automobile Policies [13 Activities]
- Business Owners Policies
- Business Owners Policy [9 Activities]
- 01. Businessowners' Policies Introduction Video
- 02. Property - Part 1: Risks
- 03. Property - Part 2: Coverages
- 04. Property - Part 3
- 05. Liability (Video)
- 06. Liability
- 07. Common Policy Conditions
- 08. Selected Endorsements
- 09. Conclusion (Video)
- Business Owners Policy [9 Activities]
- Workers' Compensation Insurance
- Workers Compensation [15 Activities]
- 01. Workers Compensation Introduction (Video)
- 02. Workers' Compensation Laws
- 03. Workers Compensation and Employers Liability Insurance Policy (Video)
- 04. Parts 1 and 2 of a Workers' Compensation and Employer's Liability Insurance Policy
- 05. Parts 3 through 6 of a Workers Compensation and Employers Liability Insurance Policy
- 06. Workers' Compensation and Disability (Video)
- 07. Workers' Compensation and Disability
- 08. Workers' Compensation and Disability: Additional Definitions
- 09. Premium Computations (Video)
- 10. Premium Computations
- 11. Premium Computations: Adjustments and Discounts
- 12. Workers Compensation Laws (Video)
- 13. Workers' Compensation Laws
- 14. Workers' Compensation Laws: Federal Laws Related to Workers' Compensation
- 15. Conclusion (Video)
- Workers Compensation [15 Activities]
- Other Coverages
- Other Coverages [28 Activities]
- 01. Other Coverages Introduction (Video)
- 02. Umbrella and Excess Liability Policies
- 03. Umbrella and Excess Liability Policies: Personal Coverage - Coverage Form
- 04. Umbrella and Excess Liability Policies: Personal Coverage - Coverages and Limits of Liability
- 05. Umbrella and Excess Liability Policies: Personal Coverage - Exclusions
- 06. Umbrella and Excess Liability Policies: Personal Coverage - General Provisions
- 07. Commercial Umbrella (Video)
- 08. Umbrella and Excess Liability Policies: Commercial Umbrella
- 09. Umbrella and Excess Liability Policies: Commercial Umbrella - Coverage Form
- 10. Umbrella and Excess Liability Policies: Commercial Umbrella - Exclusions
- 11. Umbrella and Excess Liability Policies: Commercial Umbrella - Definitions
- 12. Umbrella and Excess Liability Policies: Commercial Umbrella - Additional Definitions
- 13. Umbrella and Excess Liability Policies: Commercial Umbrella - Conditions
- 14. Specialty and Professional Liability Insurance (Video)
- 15. Specialty and Professional Liability Insurance
- 16. National Flood Insurance Program (Video)
- 17. National Flood Insurance Program
- 18. National Flood Insurance Program: Property Covered
- 19. National Flood Insurance Program: Personal Property
- 20. National Flood Insurance Program: Other Coverages
- 21. National Flood Insurance Program: Increased Cost of Compliance
- 22. National Flood Insurance Program: Property Not Covered, Exclusions, and Deductibles
- 23. National Flood Insurance Program: General Conditions
- 24. Other Policies (Video)
- 25. Other Policies
- 26. Surety Bonds and Surplus Lines (Video)
- 27. Surety Bonds and Surplus Lines
- 28. Conclusion (Video)
- Other Coverages [28 Activities]
- Flood Insurance Review
- Flood Insurance [10 Activities]
- 01. Introduction (Video)
- 02. Flood Insurance: Yesterday, Today, & Tomorrow
- 03. Flood Insurance and the Role of an Insurance Producer (Video)
- 04. Flood Insurance and the Role of an Insurance Producer
- 05. Myths vs. Realities (Video)
- 06. Myths vs. Realities
- 07. Errors, Omissions, Ethics, and Best Practices (Video)
- 08. Errors, Omissions, Ethics, and Best Practices
- 09. Case Law
- 10. Becoming an NFIP Agent
- Flood Insurance [10 Activities]
- Renters and Condominium Insurance
- Renters and Condominium Insurance [15 Activities]
- 01. Introduction (Video)
- 02. What is Renters Insurance?
- 03. Basics of Renters Insurance (Video)
- 04. The HO-4 Form
- 05. Marketing Renters Insurance (Video)
- 06. Educating the Customer in the Need for Renters Insurance
- 07. Replacement Cost (Video)
- 08. How Much Coverage?
- 09. Assessing the Need for Coverage (Video)
- 10. Covered Perils
- 11. Writing a Policy (Video)
- 12. Writing a Policy and Claims Settlement
- 13. Condominium Insurance
- 14. Where Do We Go From Here
- 15. Conclusion (Video)
- Renters and Condominium Insurance [15 Activities]
- Toxic Mold
- Toxic Mold [13 Activities]
- 01. Introduction (Video)
- 02. What Is Toxic Mold?
- 03. Conditions Conducive to Toxic Mold
- 04. Harmful Effects
- 05. Mold Remediation and Insurance
- 06. Mold and Insurance (Video)
- 07. History of Toxic Mold Claims, Part 1
- 08. History of Toxic Mold Claims, Part 2
- 09. Mold and Insurance, Part 2 (Video)
- 10. Toxic Mold and Insurance
- 11. Direct (First Party) Claims
- 12. Indirect (Third Party) Claims
- 13. Mold and Insurance, Part 3 (Video)
- Toxic Mold [13 Activities]
- Anti-money Laundering
- Anti-money Laundering [14 Activities]
- 01. Introduction to the Module (Video)
- 02. The History of Money Laundering
- 03. Steps in Money Laundering (Video)
- 04. Stages of Money Laundering
- 05. Money Laundering Detection (Video)
- 06. National Efforts to Combat Money Laundering
- 07. Money Laundering and Insurance
- 08. Laws Regarding Money Laundering (Video)
- 09. Notable Cases
- 10. Anti-money Laundering (Video)
- 11. Obligations of Insurance Industry in Preventing Money Laundering
- 12. Preventing Money Laundering
- 13. Insurance Agent & Broker Obligations
- 14. Conclusion
- Anti-money Laundering [14 Activities]
- Property and Casualty Exam
- Affidavit - Property and Casualty
- Final Test - Property and Casualty (119 questions)
- General 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)
- General Insurance Concepts [18 Activities]
- Fundamental Concepts
- 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)
- Fundamental Concepts [8 Activities]
- 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)
- Life Insurance Policy Types [13 Activities]
- 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)
- Standard Policy Provisions [17 Activities]
- 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)
- Introduction to Health Insurance [21 Activities]
- 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)
- General Provisions [7 Activities]
- Qualified Plans and Retirement
- Qualified Plans and Retirement [11 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. Employee Retirement Income Security Act (Video)
- 10. Employee Retirement Income Security Act (ERISA)
- 11. Conclusion (Video)
- Qualified Plans and Retirement [11 Activities]
- 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)
- Life Insurance and Securities [4 Activities]
- Annuities
- Annuities [10 Activities]
- 01. Introduction (Video)
- 02. Annuity Principles and Concepts
- 03. Immediate versus Deferred Annuities
- 04. Annuity (Benefit) Payment Options (Video)
- 05. Annuity (Benefit) Payment Options
- 06. Annuity Products (Video)
- 07. Annuity Products
- 08. Uses of Annuities (Video)
- 09. Uses of Annuities
- 10. Conclusion (Video)
- Annuities [10 Activities]
- 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)
- Disability [19 Activities]
- 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)
- Medical Plans [7 Activities]
- 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
- Group Health [7 Activities]
- Dental Insurance
- Dental [5 Activities]
- 01. Introduction (Video)
- 02. Dental Insurance - Part 1
- 03. Indemnity Plans
- 04. Employer Group Dental Expense
- 05. Conclusion (Video)
- Dental [5 Activities]
- 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)
- Medicare [25 Activities]
- Long-Term Care Policies
- Long Term Care [11 Activities]
- 01. Introduction (Video)
- 02. Types of Policies and Elimination and Benefit Periods
- 03. Eligibility for Benefits
- 04. Levels and Types of Care
- 05. Benefits and Options
- 06. Marketing and Exclusions
- 07. Suitability
- 08. Long Term Care, Medicare, and Medicaid Compared
- 09. LTC Policy Replacement
- 10. Qualified LTC Plans
- 11. Conclusion (Video)
- Long Term Care [11 Activities]
- 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)
- Federal Regulations Covering Life & Health Insurance [14 Activities]
- Life and Health Exam
- Affidavit - Life and Health
- Final Test - Life and Health (45 questions)
- Certificate of Achievement
- Mandatory Questionnaire
- Certificate of Completion - Ethics
- Certificate of Completion - Property and Casualty
- Certificate of Completion - Life and Health
- Guaranteed Next-Day Reporting
