Massachusetts 60 Hour Life & Health Initial Renewal Package

$75.00

60 Hour Course

Course ID: C56250, C41515, C34612, C68519, & C34607

Approved By: Massachusetts Insurance Division


Add to Cart (877) 724-6150

If you have been licensed for less than three years, and this will be your first renewal, you need to complete 60 hours of continuing education. This package satisfies the full 60 hours of CE and includes the required 3 hours of ethics training. An exam will follow each major section to test your knowledge.

The course begins with ethical concepts and terminology to set the foundation, and then describes common ethical situations and duties of an insurance producer. We then review key concepts and principles of Life and Health insurance, covering topics such as:

  • various policy types and provisions
  • qualified plans and retirement
  • life insurance and securities
  • annuities
  • disability income

Following this, we will launch into the topic of long-term care policies. Areas we'll cover include the appropriate way to build a long-term care policy, tax-qualified plans and non-tax-qualified plans, alternatives to LTC insurance, and the NAIC model LTCi Act. 

Next, the course will take on the topic of annuities in more depth. You'll learn about the different types of annuities that are available, who the parties to an annuity are, and the typical provisions annuity contracts contain. We'll also compare equity-indexed and variable annuities, before covering taxation of annuities, and sales and marketing practices to employ. 

The course concludes with a look at flood insurance. We'll talk about policies and products that are available for those who may need flood insurance. Then, you'll learn the general rules that apply to flood policies, as well as how to rate and handle claims. Finally, we'll cover the 2004 Flood Insurance Reform Act (FIRA) and talk about other agent resources.

  • Life, Health, and Ethics
    • Insurance Ethics [21 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
      • View Additional Activities
        • 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 - Part 1
        • 17. Insurance Industry Codes of Ethics - Part 2
        • 18. Insurance Industry Codes of Ethics - Part 3
        • 19. Insurance Industry Codes of Ethics - Part 4
        • 20. Looking Forward
        • 21. Conclusion (Video)
    • General Insurance Concepts [21 Activities]
      • 01. Introduction to Fundamental Insurance (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
      • View Additional Activities
        • 09. Insurance Producers (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. Completing the Application, Underwriting, and Delivering the Policy (Video)
        • 19. Completing the Application, Underwriting, and Delivering the Policy
        • 20. Completing the Application, Underwriting, and Delivering the Policy: Underwriting
        • 21. Conclusion of Fundamental Insurance (Video)
    • Fundamental Concepts [9 Activities]
      • 01. Introduction to Fundamentals of Life Insurance (Video)
      • 02. Introduction to Life Insurance; Common Classifications of Life Insurance
      • 03. Uses of Life Insurance (Video)
      • 04. Uses for Life Insurance: Personal and Business Uses of Life Insurance
      • 05. Uses for Life Insurance: Determining Amount of Personal Life Insurance
      • 06. Aspects of Life Insurance
      • 07. Individual Underwriting by the Insurer (Video)
      • 08. Individual Underwriting by the Insurer
      • 09. Conclusion (Video)
    • Life Insurance Policy Types [15 Activities]
      • 01. Introduction to Life Insurance Policies (Video)
      • 02. Life Insurance Basics
      • 03. Policy Descriptions in Brief
      • 04. Whole Life Insurance and Term Life Insurance (Video)
      • 05. Individual Policies in Detail: Whole Life Insurance
      • 06. Individual Policies in Detail: Term Life Insurance
      • 07. Flexible Policies and Specialized Policies (Video)
      • 08. Individual Policies in Detail: Flexible Policies
      • View Additional Activities
        • 09. Individual Policies in Detail: Specialized Policies
        • 10. Individual Policies in Detail: Endowment Policies and Worksite Plans
        • 11. Group Life Insurance and Credit Life Insurance (Video)
        • 12. Group Policies in Detail
        • 13. Completing the Application, Underwriting, and Delivering the Policy: Calculating and Delivering the Policy
        • 14. Credit Life Insurance
        • 15. Conclusion (Video)
    • Standard Policy Provisions [17 Activities]
      • 01. Introduction to Life Insurance Policy Provisions (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
      • View Additional Activities
        • 09. Options: Nonforfeiture
        • 10. Options: Loans, Withdrawals, and Surrenders
        • 11. Riders (Video)
        • 12. Disability, LTC, and Accelerated Benefit Riders
        • 13. Riders: Additional Uses (Video)
        • 14. Term Riders
        • 15. Other Riders
        • 16. Viatical Trust Settlements
        • 17. Conclusion (Video)
    • Introduction to Health Insurance [21 Activities]
      • 01. Introduction to Health Insurance Basics (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. Limited Coverage Policies (Video)
      • View Additional Activities
        • 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. Underwriting (Video)
        • 17. Field Underwriting
        • 18. Individual Underwriting By the Insurer
        • 19. Producer Responsibilities (Video)
        • 20. Considerations in Replacing Accident and Health
        • 21. Conclusion (Video)
    • General Provisions [7 Activities]
      • 01. Health Insurance Policy (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 [12 Activities]
      • 01. Introduction to Qualified Plans (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
      • View Additional Activities
        • 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 [4 Activities]
      • 01. Introduction to Life Insurance and Securities (Video)
      • 02. Introduction
      • 03. Variable Life Insurance and Variable Annuities as Securities
      • 04. Conclusion (Video)
    • Annuities [10 Activities]
      • 01. Introduction to Annuities (Video)
      • 02. Annuity Principles and Concepts
      • 03. Immediate versus Deferred Annuities
      • 04. Annuity 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)
    • Disability [19 Activities]
      • 01. Introduction to Disability Income (Video)
      • 02. Statistics
      • 03. Definitions (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)
      • View Additional Activities
        • 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 [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 [12 Activities]
      • 01. Introduction to Group Health Insurance Policies (Video)
      • 02. Group Insurance Concepts
      • 03. Types of Eligible Groups
      • 04. Group Benefits Review (Video)
      • 05. Advertising Group Health Insurance
      • 06. Employer Group Health Insurance
      • 07. Group Insurance Eligibility (Video)
      • 08. Loss of Coverage / Coverage Continuation / Changing Coverage
      • View Additional Activities
        • 09. COBRA Coverage (Video)
        • 10. Small Employer Medical Plans
        • 11. Other Types of Supplementary Group Coverage
        • 12. Conclusion (Video)
    • Dental [5 Activities]
      • 01. Introduction to Dental Insurance (Video)
      • 02. Dental Insurance - Part 1
      • 03. Indemnity Plans
      • 04. Employer Group Dental Expense
      • 05. Conclusion (Video)
    • Medicare [21 Activities]
      • 01. Introduction to Medicare (Video)
      • 02. Medicare: An Overview
      • 03. Medicare Enrollment
      • 04. Medicare A: Individual Eligibility Requirements (Video)
      • 05. Medicare Part A: Eligibility
      • 06. Medicare Part A: Coverage and Costs
      • 07. Medicare Part A: Coverage and Costs, Continued
      • 08. Medicare B (Video)
      • View Additional Activities
        • 09. Medicare Part B: Eligibility
        • 10. Medicare Part B: Coverage and Costs
        • 11. Medicare Part B: Coverages and Cost-Sharing Amounts, Part 1
        • 12. Medicare Part B: Coverages and Cost-Sharing Amounts, Part 2
        • 13. Part A and Part B Exclusions
        • 14. Medicare C/D (Video)
        • 15. Medicare Parts C and D, Part 1
        • 16. Medicare Parts C and D, Part 2
        • 17. Medigap (Video)
        • 18. Medicare Supplement Policy/ MSP / MediGap
        • 19. Medicare (Video)
        • 20. Other Options
        • 21. Conclusion (Video)
    • Long-Term Care Insurance [18 Activities]
      • 01. Introduction to Four-Hour Long-Term Care Insurance Continuing Education Class (Video)
      • 02. Lesson 1 - Qualified Long-Term Care
      • 03. The History of and Recent Changes to LTCi (Video)
      • 04. Lesson 2 - Long-Term Care Insurance
      • 05. Lesson 3 - The NAIC Model LTCi Act and Regulation
      • 06. Building LTCi Policies & Consumer Protections (Video)
      • 07. Lesson 4 - Building a Long-Term Insurance Policy
      • 08. Lesson 5 - Building a Long-Term Insurance Policy (Part 2)
      • View Additional Activities
        • 09. Lesson 6 - Building a Long-Term Insurance Policy (Part 3)
        • 10. Medicaid Partnership and Tax-Qualified Plans (Video)
        • 11. Lesson 7 - Tax-Qualified and Non-Tax-Qualified LTC Policies
        • 12. Lesson 8 - Medicaid Partnership Plans - Asset Protection
        • 13. Alternatives to Long-Term Care Insurance (Video)
        • 14. Lesson 9 - Long-Term Care Alternatives
        • 15. Lesson 10 - Suitability for Long-Term Care Insurance
        • 16. The Future of Long-Term Care Insurance (Video)
        • 17. Lesson 11 - The Future of Long-Term Care
        • 18. End of the class (Video)
    • Tax Considerations for Life Insurance and Annuities [8 Activities]
      • 01. Introduction to Federal Taxation of Life Insurance (Video)
      • 02. Taxation of Personal Life Insurance
      • 03. Taxation of Group Life Insurance
      • 04. Taxation of Nonqualified Annuities (Video)
      • 05. Taxation of Nonqualified Annuities
      • 06. Taxation of Individual Retirement Annuities (Video)
      • 07. Taxation of Individual Retirement Annuities (IRAs)
      • 08. Conclusion (Video)
    • Federal Tax Considerations [8 Activities]
      • 01. Federal Tax Health (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 & Health Insurance [14 Activities]
      • 01. Introduction to Federal Regulations for Life and Health Insurance (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. Affordable Care Act (Video)
      • 06. Federal Regulations Governing Health Insurance  Part 4
      • 07. Underwriting (Video)
      • 08. Federal Regulations Governing Health Insurance  Part 5
      • View Additional Activities
        • 09. Federal Regulations Governing Health Insurance  Part 6
        • 10. Federal Regulations Governing Health Insurance Part 7
        • 11. Government Assistance and Fines (Video)
        • 12. Federal Regulations Governing Health Insurance Part 8
        • 13. Federal Regulations Governing Health Insurance Part 9
        • 14. Conclusion to Federal Rules (Video)
  • Exam #1
    • Affidavit
    • Exam #1 (75 questions)
  • Long-Term Care
    • An Introduction to Long-Term Care [9 Activities]
      • 01. Introduction to Long-Term Care Insurance (Video)
      • 02. What is Long-Term Care?
      • 03. Settings for and Costs of Long-term Care (Video)
      • 04. Settings for Care and the Cost of Long-Term Care
      • 05. Who Pays for Long-Term Care (Video)
      • 06. Who Pays for Long-Term Care
      • 07. Who Needs Long-Term Care and Who Should Buy LTC Insurance? (Video)
      • 08. Who May Need Long-Term Care?
      • 09. End of Class 1 (Video)
    • Building a Long-Term Care Policy [12 Activities]
      • 01. Types of Long-Term Care Insurance (Video)
      • 02. Types of Long-Term Care Insurance
      • 03. Building a Long-term Care Policy (Video)
      • 04. Producer Delivery Responsibilities
      • 05. Building a Long-Term Insurance Policy
      • 06. Building a Long-Term Insurance Policy (part 2)
      • 07. Building a Long-Term Insurance Policy, Continued (Video)
      • 08. Building a Long-Term Insurance Policy (Part 3)
      • View Additional Activities
        • 09. Building a Long-Term Insurance Policy (Part 4)
        • 10. Building a Long-Term Insurance Policy (Part 5)
        • 11. Building a Long-Term Insurance Policy (Part 6)
        • 12. End of Class 2 (Video)
    • How Long-Term Care Policies Work [8 Activities]
      • 01. How Long-term Care Policies Work (Video)
      • 02. How Do Long-Term Care Insurance Policies Work?
      • 03. How Do Long-Term Care Insurance Policies Work? (Part 2)
      • 04. How LTC Policies Work (Video)
      • 05. How Do Long-Term Care Insurance Policies Work? (Part 3)
      • 06. How Do Long-Term Care Insurance Policies Work? (Part 4)
      • 07. How Do Long-Term Care Insurance Policies Work? (Part 5)
      • 08. End of Class 3 (Video)
    • LTCi Underwriting, Costs, & Alternatives [8 Activities]
      • 01. Introduction to Class 4 (Video)
      • 02. Does Health Affect Ability to Buy a Policy?
      • 03. How Much Do Long-Term Care Insurance Policies Cost?
      • 04. Plan Replacement Considerations
      • 05. Into the Home Stretch (Video)
      • 06. Medicare Training, Medicaid Training, and Long-term Care Insurance Partnership Plans
      • 07. Review & The Future of LTCi
      • 08. End of Class 4 (Video)
    • Massachusetts State-Specific [9 Activities]
      • 01. Introduction (Video)
      • 02. Introduction to Long-Term Care in Massachusetts
      • 03. Long-Term Care Reforms in Massachusetts
      • 04. The Massachusetts Long-Term Care Insurance Partnership Program
      • 05. Medicaid in Massachusetts
      • 06. Massachusetts Medicaid Eligibility for LTSS
      • 07. Home and Community-Based Services (HCBS) in Medicaid
      • 08. Interaction between Private Long-Term Care Insurance and Medicaid Eligibility
      • 09. Conclusion (Video)
  • Exam #2
    • Affidavit
    • Exam #2 (40 questions)
  • Annuities
    • Annuity Suitability [22 Activities]
      • 01. Introduction to the Suitability in Annuity Transactions Training Class (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)
      • View Additional Activities
        • 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. Replacement Annuities, Unfair Marketing Practices, and Record-Keeping (Video)
        • 21. Appropriate Sales Practices, Replacement and Disclosure Requirements, Part 3
        • 22. End of Class (Video)
  • Exam #3
    • Affidavit
    • Exam #3 (30 questions)
  • NFIP Review
    • NFIP [15 Activities]
      • 01. The National Flood Insurance Program (Video)
      • 02. Section I-Introduction
      • 03. Community Participation
      • 04. Flood Maps and Zones (Video)
      • 05. Section II-Flood Maps and Zone Determinations
      • 06. Policies and Products Available (Video)
      • 07. Section III-Policies and Products Available
      • 08. General Rules (Video)
      • View Additional Activities
        • 09. Section IV-General Rules
        • 10. Rating and Handling Claims (Video)
        • 11. Rating and Handling Claims
        • 12. The 2004 FIRA and Agent Resources (Video)
        • 13. Section VII - Requirements of the Flood Insurance Reform Act of 2004
        • 14. Section VIII - Agent Resources
        • 15. Conclusion (Video)
  • Exam #4
    • Affidavit
    • Exam #4 (25 questions)
  • Certificate of Completion
    • Mandatory Questionnaire
    • Certificate of Completion - Life, Health, Ethics
    • Certificate of Completion - LTC
    • Certificate of Completion - Annuity
    • Certificate of Completion - NFIP

Instructor Bio


keith haley insurance instructor atyourpaceonline
Keith Haley is the Online Insurance instructor and industry expert for At Your Pace Online. In addition to his insurance license, Keith holds a Bachelor's degree in Finance, Master's degree in Education, and is a Certified Financial Planner and licensed insurance producer. As an entrepreneur, over his career Keith has owned and managed businesses in a wide range of professions, including car sales, financial consultation, and insurance sales and management. With over twenty years of experience in business, sales, and education, Keith brings a broad range of practical and academic knowledge to our courses.