Montana 18 Hour Life & Health Review

$39.00

18 Hour Course

Course ID: 19011

Approved By: Commissioner of Securities and Insurance

4.9

Course Description
Course Outline

This course provides 18 hours of CE! In this course, we'll review key concepts and principles of Life & Health insurance.

In addition to reviewing some fundamentals of life and health insurance, we'll cover disability insurance policies and who may qualify for them. We'll discuss annuities and tax-qualified plans. You'll also learn about some health insurance topics, including dental insurance and group healthplans. We'll discuss Medicare, Parts A-D, eligibility requirements, and supplemental policies. Last, we'll talk about tax considerations and federal regulations that apply to some of these plans. No additional reporting fees.

This course will apply to Insurance Adjusters as well. It will fulfill 18 of the 24 hours Montana Insurance Adjusters are required each renewal cycle.

General Insurance 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
- 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 for Life Insurance Producers

Fundamental Concepts [9 Activities]
- 01. Introduction (Video)
- 02. Life Insurance Basics
- 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

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

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

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)

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)

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
- View Additional Activities
  - 09. Employee Retirement Income Security Act (Video)
  - 10. Employee Retirement Income Security Act (ERISA)
  - 11. Conclusion (Video)

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)

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)

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)
- 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)

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

Dental Insurance

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

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

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
- 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)

Final Test

Affidavit

Final Test (45 questions)

Course Completion

Mandatory Questionnaire

Certificate of Completion

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.

November 21st, 2017

Christina

Content was pretty thorough. The wording on some of the questions and/or answer options was poor.

June 6th, 2019

Holly

October 30th, 2018

Joel

October 20th, 2018

jackie

April 15th, 2018

Michael

February 7th, 2018

Aaron

December 23rd, 2017

RUSSELL

November 8th, 2017

Lynnadele

Montana 18 Hour Life & Health Review

Course Description

Course Outline

Instructor Bio

Course Reviews