Massachusetts 60 Hour Property & Casualty Initial Renewal Package

$75.00

60 Hour Course

Course ID: C56250, C41515, C34612, C23411, & 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 Property and Casualty insurance, covering topics such as:

  • dwelling and homeowner's policies
  • personal and commercial auto insurance
  • business owner's policies
  • flood insurance
  • money-laundering prevention

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. 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 more in-depth 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.

  • Property, Casualty, 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)
    • Property and Casualty Basics [16 Activities]
      • 01. Introduction to Property and Casualty Basics (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
      • View Additional Activities
        • 09. Common Policy Provisions (Video)
        • 10. Common Policy Provisions
        • 11. Other Common Policy Provisions (Video)
        • 12. Other Common Policy Provisions
        • 13. Party Specific Policy Provisions (Video)
        • 14. Party Specific Policy Provisions
        • 15. Cause of Loss Form
        • 16. Conclusion (Video)
    • Dwelling Policy [13 Activities]
      • 01. Introduction to Dwelling Policies (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
      • View Additional Activities
        • 09. Conditions  Part 1
        • 10. Conditions Part 2
        • 11. Selected Endorsements
        • 12. Personal Liability Supplement
        • 13. Conclusion (Video)
    • Homeowner's Policy [23 Activities]
      • 01. Introduction to Homeowner Policies (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
      • View Additional Activities
        • 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 of Homeowners Policies (Video)
    • Comparison of Homeowner Policy Perils
    • Personal Automobile Policies [10 Activities]
      • 01. Introduction to Personal Auto Policies (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 of Personal Auto Policies (Video)
    • Commercial Automobile Policies [13 Activities]
      • 01. Introduction To Commercial Auto Insurance (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
      • View Additional Activities
        • 09. Business Auto Coverage: Conditions
        • 10. Other Commercial Auto Coverage Forms
        • 11. Commercial Auto Endorsements
        • 12. More Commercial Auto Endorsements
        • 13. Conclusion to Commercial Automobile Coverage (Video)
    • Commercial Coverage Package Policies [56 Activities]
      • 01. Introduction to Commercial Coverage Policies (Video)
      • 02. The Commercial Package Policy
      • 03. Commercial General Liability (Video)
      • 04. Commercial General Liability, Section I: Coverages
      • 05. Commercial General Liability: Personal and Advertising Injury Liability, Medical Payments, and Supplementary Payments(Video)
      • 06. Commercial General Liability Coverage B: Personal and Advertising Injury Liability
      • 07. Commercial General Liability, Coverage C: Medical Payments
      • 08. Commercial General Liability: Supplementary Payments
      • View Additional Activities
        • 09. Who is an Insured, Limits of the Insurance, and Conditions (Video)
        • 10. Commercial General Liability Section II: Who is an Insured?
        • 11. Commercial General Liability Section III: Limits of Insurance
        • 12. Commercial General Liability Section IV: Conditions
        • 13. CGL Definitions (Video)
        • 14. Commercial General Liability: Definitions
        • 15. Commercial General Liability: Additional Definitions
        • 16. Occurrence and Claims-Made Forms (Video)
        • 17. Commercial General Liability: Occurrence and Claims-Made Forms
        • 18. Pollution Liability Coverage Form (Video)
        • 19. Commercial General Liability: Pollution Liability Coverage Form (CG 00 39)
        • 20. Commercial General Liability: Other Elements of the Pollution Liability Coverage Form
        • 21. Commercial Property (Video)
        • 22. Commercial Property
        • 23. Building and Personal Property (Video)
        • 24. Commercial Property: Building and Business Personal Property
        • 25. Commercial Property: Building and Business Personal Property - Additional Coverages
        • 26. Commercial Property: Building and Business Personal Property - Coverage Extensions
        • 27. Commercial Property: Building and Business Personal Property - Limits of Insurance
        • 28. Commercial Property: Building and Business Personal Property - Additional Conditions, Optional Coverages, and Definitions
        • 29. Condominium Association Coverage Form, Condominium Commercial Unit Owners Coverage Forms, and Builders Risk Coverage Forms (Video)
        • 30. Commercial Property: Condominium Association Coverage Form
        • 31. Commercial Property: Condominium Commercial Unit Owners Coverage Form
        • 32. Commercial Property: Builders Risk Coverage Form
        • 33. Business Income and Extra Expense (Video)
        • 34. Commercial Property: The Business Income Coverage Form
        • 35. Commercial Property: Business Income Coverage - Extra Expense and Loss of Use
        • 36. Legal Liability Coverage Forms (Video)
        • 37. Commercial Property: Legal Liability Coverage Form
        • 38. Causes of Loss Forms and Selected Endorsements for Commercial Property Coverage (Video)
        • 39. Commercial Property: Causes of Loss Forms
        • 40. Commercial Property: Selected Endorsements
        • 41. Commercial Crime (Video)
        • 42. Commercial Crime
        • 43. Commercial Crime: Coverages
        • 44. Commercial Inland Marine (Video)
        • 45. Commercial Inland Marine
        • 46. Commercial Inland Marine: Transportation Coverages
        • 47. Equipment Breakdown (Video)
        • 48. Equipment Breakdown
        • 49. Equipment Breakdown: Exclusions, Limits, and Deductibles
        • 50. Equipment Breakdown: Conditions, Definitions, and Endorsements
        • 51. Farm Coverage (Video)
        • 52. Farm Coverage
        • 53. Farm Coverage: Definitions and Causes of Loss
        • 54. Farm Coverage: Conditions, Exclusions, and Additional Coverages
        • 55. Farm Coverage: Crop Insurance
        • 56. Conclusion of Commercial Coverage Policies (Video)
    • Business Owner's Policy [9 Activities]
      • 01. Introduction to Business Owner's Policies (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)
    • Workers Compensation [15 Activities]
      • 01. Introduction to Workers’ Compensation Insurance (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. Total Disability (Video)
      • 07. Workers’ Compensation and Disability
      • 08. Workers’ Compensation and Disability: Additional Definitions
      • View Additional Activities
        • 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 of Workers’ Compensation Insurance (Video)
    • Other Coverages [28 Activities]
      • 01. Introduction to Other Coverages (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
      • View Additional Activities
        • 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 of Other Coverages (Video)
    • Flood Insurance [9 Activities]
      • 01. Introduction to NFIP Training (Video)
      • 02. Flood Insurance: Yesterday, Today, & Tomorrow
      • 03. Insurance Producers and the NFIP (Video)
      • 04. Flood Insurance and the Role of an Insurance Producer
      • 05. Errors and Omissions (Video)
      • 06. NFIP Training: Errors, Omissions, Ethics, and Best Practices
      • 07. NFIP Training: Case Law
      • 08. Flood Insurance
      • 09. Conclusion to NFIP Training Class (Video)
    • 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. Attracting Policy Holders/Marketing Renters Insurance (Video)
      • 06. Educating the Customer in the Need for Renters Insurance
      • 07. Replacement Cost (Video)
      • 08. How Much Coverage?
      • View Additional Activities
        • 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)
    • Toxic Mold [13 Activities]
      • 01. Introduction to Toxic Mold (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
      • View Additional Activities
        • 09. Mold Claims (Video)
        • 10. Toxic Mold and Insurance
        • 11. Direct (First Party) Claims
        • 12. Indirect (Third Party) Claims
        • 13. Mold and Insurance Conclusion (Video)
    • 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)
      • View Additional Activities
        • 09. Notable Cases
        • 10. Anti Money Laundering (Video)
        • 11. Obligations of Insurance Industry in Preventing Money Laundering
        • 12. Preventing Money Laundering (Video)
        • 13. Insurance Agent & Broker Obligations
        • 14. Conclusion (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)
  • Annuity Suitability
    • 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)
  • National Flood Insurance Program
    • 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)
  • Course Completion
    • Mandatory Questionnaire
    • Certificate of Completion - Property, Casualty, and 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.