South Carolina 24 Hour Life & Health with Ethics

$39.00

24 Hour Course

Course ID: 135072 & 134557

Approved By: South Carolina Department of Insurance

4.4 196 Reviews

Add to Cart (877) 724-6150

This course provides all 24 hours of CE that you need! This course will review key concepts and principles of Life & Health insurance. It includes Ethics instructionand the mandatory exam.

In this course, we'll cover fundamental concepts, policy types and standard provisions, qualified plans and retirement. We'll go over annuities, securities, and disability, and medical insurance including Medicare, group health and dental. Then, we'll talk about long-term care policies and federal regulations regarding life and health insurance. This course also includes 3 hours of ethics education and the required exam.

SC Department of Insurance ID: 135072 & 134557

  • 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 Management Techniques
      • 05. Insurers (Video)
      • 06. Insurers - Part 1
      • 07. Financial Status (Video)
      • 08. Insurers - Part 2: Financial Status
      • View Additional Activities
        • 09. Producers and Agency Relationship (Video)
        • 10. Producers and Agency Relationships - Part 1
        • 11. Producers and Agency Relationships - Part 2: Creation of an Agency Relationship
        • 12. Producers and Agency Relationship - Part 3: Authority, Powers, and Responsibilities of Producers
        • 13. Contracts (Video)
        • 14. Contracts - Part 1
        • 15. Contracts - Part 2: Elements of a Legal Contract
        • 16. Contracts - Part 3: Distinct Characteristics of an Insurance Contract
        • 17. Contracts - Part 4: Legal Interpretations Affecting Contracts
        • 18. Conclusion (Video)
  • Introduction to Ethics for Insurance Producers
    • 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 - Part 1
      • 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 - Part 1
        • 14. Laws Governing Ethical Conduct - Part 2
        • 15. Laws Governing Ethical Conduct - Part 3
        • 16. Insurance Industry Codes of Ethics (Video)
        • 17. Insurance Industry Code of Ethics - Part 1
        • 18. Insurance Industry Code of Ethics - Part 2
        • 19. Insurance Industry Code of Ethics - Part 3
        • 20. Insurance Industry Code of Ethics - Part 4
        • 21. Insurance Industry Code of Ethics - Part 5
        • 22. Conclusion (Video)
  • Fundamental Concepts for Life Insurance Producers
    • Fundamental Concepts [8 Activities]
      • 01. Introduction (Video)
      • 02. Uses of Life Insurance (Video)
      • 03. Uses for Life Insurance - Part 1
      • 04. Uses for Life Insurance - Part 2
      • 05. Aspects of Life Insurance - Part 1
      • 06. Individual Underwriting by the Insurer (Video)
      • 07. Individual Underwriting by the Insurer
      • 08. 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 - Part 1: Whole Life Insurance
      • 05. Individual Policies in Detail - Part 2: Term Life Insurance
      • 06. Flexible Policies and Specialized Policies (Video)
      • 07. Individual Policies in Detail - Part 3: Flexible Policies
      • 08. Individual Policies in Detail - Part 4: Specialized Policies
      • View Additional Activities
        • 09. Individual Policies in Detail - Part 5: Endowment Policies
        • 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 - Part 1
      • View Additional Activities
        • 09. Options - Part 2
        • 10. Options - Part 3
        • 11. Riders - Part 1 (Video)
        • 12. Riders - Part 1
        • 13. Riders - Parts 2-4 (Video)
        • 14. Riders - Part 2
        • 15. Riders - Part 3
        • 16. Riders - Part 4
        • 17. Conclusion (Video)
  • Introduction to Health Insurance
    • Introduction to Health Insurance [21 Activities]
      • 01. Introduction to Health Insurance (Video)
      • 02. Definitions
      • 03. Types of Perils
      • 04. Policyholders' Bill of Rights
      • 05. Use of Health Insurance
      • 06. Principal Types of Losses and Benefits
      • 07. Classes of Health Insurance Policies: Part 1
      • 08. Classes of Health Insurance (Video)
      • View Additional Activities
        • 09. Classes of Health Insurance Policies: Part 2
        • 10. Health Insurance Portability and Accountability Act of 1997 (HIPAA)
        • 11. PPACA/ACA (Patient Protection and Affordable Care Act/Affordable Care Act)
        • 12. Common Exclusions from Coverage
        • 13. Other Insurance Concepts
        • 14. Producer Responsibilities (Video)
        • 15. Producer Responsibilities in Individual Health Insurance Marketing Requirements: Part 1
        • 16. Producer Responsibilities: Part 2 (Video)
        • 17. Producer Responsibilities in Individual Health Insurance Marketing Requirements: Part 2
        • 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 [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
    • Life Insurance and Securities [4 Activities]
      • 01. Introduction (Video)
      • 02. Dodd-Frank
      • 03. Variable Life Insurance and 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: Part 1
      • 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. WorkersÂ’ Compensation (Video)
        • 18. WorkersÂ’ Compensation
        • 19. Conclusion (Video)
  • 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)
  • Group Health Insurance
    • Group Health [7 Activities]
      • 01. Introduction
      • 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. Categories of Dental Treatment
      • 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 B
        • 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. 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 tax Considerations for Life Insurance and Annuities
    • Tax Considerations for Life Insurance and Annuities [9 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 Non-Qualified Annuities
      • 06. Taxation of Individual Retirement Annuities (Video)
      • 07. Taxation of Individual Retirement Annuities (IRAs)
      • 08. Taxation of Group Life Insurance
      • 09. Conclusion (Video)
  • Federal Tax Considerations for Health Insurance
    • 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 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 (125 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.

Course Reviews

September 16th, 2019
This was tough

August 12th, 2019
The course layout was user friendly yet very long, due to this exam was Life and Health and not just life. the literature were informative and it refreshed my memory which allow me to finally complete the exam with a passing score.

July 30th, 2019
This was the most interactive and education continuing education course I have taken in the last 10 years. It costs more than the run of the mill competitors out there, but this course is worth every penny and then some. I recommend it without hestiation. REMEMBER: you get what you pay for!!!

July 9th, 2019
Very informative course that gave a lot of great information

June 24th, 2019
very well done and easy to follow

May 16th, 2019
I would have liked more videos

March 31st, 2019
I enjoyed the information so I had forgotten and this course made it so easy to regain what I had forgotten.

March 13th, 2019
Great opportunity to work through the material at my own pace.

February 26th, 2019
the course was very informative

February 21st, 2019
This course was great at helping me prepare for the final test!!! I love the way the course is constructed!!!

January 31st, 2019
Love using you guys! Keep up the good work!

January 29th, 2019
Easier than studying from a book.

January 7th, 2019
Thank you

November 29th, 2018
this course is great and easy to use.

November 9th, 2018
It was good some of the material was really long and took a long time to read through but other than that the test was fine

October 26th, 2018
An optional review section to study the course in a comprehensive way would have been helpful before my first attempt at the quiz.

August 31st, 2018
it was good and thorough. Enjoyed being able to go through it at my pace.

July 31st, 2018
Very useful to a stay at home mom

July 30th, 2018
Thank you for the refresher information!

July 25th, 2018
Excellent course. Thorough yet clear. Well presented.

July 13th, 2018
Very nice course, covered a synopsis of all of the life, A&H areas for CE requirements

June 24th, 2018
Easy to navigate and informative material!

June 5th, 2018
The course is very long but you learn a lot.

May 30th, 2018
It was very informative and a lot to learn

April 24th, 2018
SIMPLE TO FOLLOW AND UNDERSTAND>

April 8th, 2018
I enjoy this course as I feel it fully refreshes my knowledge due to the thoroughness of it's content

March 27th, 2018
The course was very informative, the instructor spoke so I could understand his instructions clearly. I kept remembering Jackie last word to me "You Got This"! Thanks for the encouragement. Vivian Hunter in SC

March 19th, 2018
Excellent course study

January 30th, 2018
The test is very challenging

January 25th, 2018
easy to understand and user friendly

January 25th, 2018
a lot of information that I had not seen since initial license preparation.

December 8th, 2017
Very difficult final exam.

November 7th, 2017
I thought it was well done and easy to follow. Thanks

July 2nd, 2019
Test was 124 questions of which only 100 counted. Very long test!!

June 27th, 2019
No thank you. It was good

June 26th, 2019
there were a lot of questions on the final exam that were not represented in the review material and several questions that had multiple right answers

June 14th, 2019
The reason I gave a 4 star in stead of 5 is because this was the exact replica of my state license exam that I needed to spend 1-2 weeks studying for. It took me Monday through Friday this week to complete this course. Way too long to be a CE refresher training. About half of the info on each section would have been sufficient.

May 15th, 2019
The overall course was acceptable; the exam was a bit confusing at first look.

March 18th, 2019

January 31st, 2019
Wonderful lessons difficult test

September 24th, 2018
please submit to SC DOI ASAP. My time to complete the ce hours expires at the end of the week. Thank you

September 20th, 2018
Much more lengthy than anticipated, took a number of days. Lots of good information. The test was difficult, and one must read very carefully.

April 26th, 2018
Well, I must admit that this course forced me to dig deeper and study harder than I've done in a very long time. However, once I got into the groove, I was able to pass by God's Grace.

April 24th, 2018
The extreme number of annuity questions and lack of diversity in the exam was disappointing.

April 10th, 2018
There was some info presented that was from before 2016. I'm not sure if any of the laws have changed since then but that info was older.

March 30th, 2018
The course is clear - re-learnt quite a bit. Questions on final test used terminologies not used in course content.

March 17th, 2018
I think there should be more practice questions after each section is completed.

March 22nd, 2019
Too long

October 3rd, 2018

September 12th, 2018
The course was like taking the initial exam all over again, and i did not know that was necessary. Is there any part of the initial exam that was excluded?

July 29th, 2018
The course was extremely long and thorough. Some of the information is dated.

July 20th, 2018
Personally, I prefer reading to videos as it is significantly faster for me. The readings were too broken up. Too many clicks.

July 19th, 2018
Way too long

April 19th, 2018
Material seems very dated.

March 1st, 2019
Very long for a CE course. The test questions had more math in them than agents do in daily business, and didn't relate to daily business. UGH.

December 14th, 2017
Takes incredibly long to accomplish throughout a workday and some of the answers on the final exam could have both been correct.

July 19th, 2019
This course and test was extremely long and tough.

July 17th, 2019
this was entirely too long. I spent way more than 24 hours on this course.

June 6th, 2019
To much content, to much emphasis on Medicare & health Insurance. Practice questions too easy. Final exam questions way to detailed.

May 9th, 2019
Course was entirely too long and time consuming

February 3rd, 2018
This was just like getting licensed again! Would not recommend.

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