Minnesota 24 Hour Life & Health Package

$39.00

24 Hour Course

Course ID: 1020204, 1020205, 1020201 & 1020203

Approved By: Minnesota Department of Commerce

Course Description
Course Outline

This package contains 24 hours of continuing education approved by the Minnesota Department of Commerce. It reviews key principles and concepts related to life & health insurance policies.

In this course, we'll start with our ethics class, which covers the importance of ethical behavior, and what that looks like in the insurance industry. Then, we'll review some basic Life & Health concepts. This includes topics like health insurance policies, disability policies, life insurance, group health insurance, dental coverage, and Medicare. We'll also talk about annuities and securities. We'll end the class by covering some tax policies relating to insurance plans, as well as federal regulations you should be aware of as an insurance producer.

Minnesota Department of Commerce Course ID's: 1020204, 1020205, 1020201 & 1020203

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
- 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 (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)

Life & Health Topics

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
- View Additional Activities
  - 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)

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 [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
- View Additional Activities
  - 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 [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
- View Additional Activities
  - 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 [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)
- 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. 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)

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 [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
- 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 (Video)
- 02. Dodd-Frank
- 03. Variable Life Insurance and Variable Annuities as Securities
- 04. Conclusion (Video)

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)

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)
- 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 [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 [5 Activities]
- 01. Introduction (Video)
- 02. Dental Insurance - Part 1
- 03. Indemnity Plans
- 04. Employer Group Dental Expense
- 05. Conclusion (Video)

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
- View Additional Activities
  - 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 [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
- View Additional Activities
  - 09. LTC Policy Replacement
  - 10. Qualified LTC Plans
  - 11. Conclusion (Video)

Tax Considerations for Life Insurance and Annuities [8 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. Conclusion (Video)

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 & 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
- View Additional Activities
  - 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)

General Insurance Topics

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
- View Additional Activities
  - 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)

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
  - 13. Insurance Agent & Broker Obligations
  - 14. Conclusion

Final Test

Final Test (120 questions)

Course Completion

Mandatory Questionnaire

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.

March 27th, 2019

Ashley

great course

October 21st, 2018

Junchi

the course id very helpful. thanks.

October 9th, 2018

Maicee

Very well organize courses.

April 22nd, 2018

Gregory

The course itself was well-developed and presented. The test was poorly written in general.

May 5th, 2019

Brice

test is poorly written. A lot of confusing wording leading to confusion in how to answer.

November 30th, 2018

Diane

very hard final exam

July 25th, 2018

Stephen

Some items were out of date by years. Therefore it was difficult to answer come correctly because a person had to know the outdated figure.

August 12th, 2019

Charles

This is Crazy to have to test for 120 questions for a CE course. I would never do it again, especially because very few questions on the actual ridiculous test wasn't in the material!

June 30th, 2019

Seethong

This is a hard test!

September 26th, 2018

shannah

the test is too long

November 29th, 2017

James

This was, without question, the most difficult CE course I have ever taken. It was total overkill, for a CE course. The coursework was way over-stated in terms of the hours required to complete. The test took close to 2.5 hours to complete and had it not been for Google, I would not have passed. LTC took up way too many questions for the small amount of time devoted to it in the course work. Medicare was almost overlooked in the test. In addition, the course is NOT CURRENt! It uses dates ranging from 2013 to current. Many parts of the course are out-dated and it only causes confusion and requires that you memorize data that is no longer even applicable. Test questions require that minutia be memorized in order to answer the question and key concepts are totally overlooked in the test. I am extremely disappointed in the course and I will not ever come back to this company for my CE credit requirements in the future!

June 14th, 2019

Natalie

March 3rd, 2019

Jenny

February 22nd, 2019

Jacob

February 17th, 2019

Angela

February 14th, 2019

Sean

February 11th, 2019

Matthew

December 19th, 2018

Michelle

August 14th, 2018

Scott

July 13th, 2018

Todd

June 20th, 2018

MEIQUN

Baijin

mei

February 19th, 2018

Tayu

February 3rd, 2018

Joey

November 20th, 2017

Theodore

April 22nd, 2019

Timothy

January 2nd, 2019

David

September 27th, 2018

Jeremiah

January 12th, 2018

November 21st, 2017

Thomas

June 1st, 2019

Vanida

January 16th, 2019

chengshi

November 24th, 2018

Kris

September 25th, 2018

February 11th, 2018

Shane

January 1st, 2018

Leeda

January 11th, 2019

fue

Minnesota 24 Hour Life & Health Package

Course Description

Course Outline

Instructor Bio

Course Reviews