Texas 24 Hour Property & Casualty Package (Classroom Equivalent)

$67.00

24 Hour Course

Course ID: 105359 & 101509

Approved By: Texas Department of Insurance (TDI)

4.5 181 Reviews

Add to Cart (877) 724-6150

This course provides all 24 hours of CE needed to renew your license! The course includes the mandatory ethics hours, and is approved to satisfy your Self-Study & Classroom Equivalent requirements.

This course will review key concepts and principles of Property & Casualty insurance. We'll start this course with our Ethics for Insurance Professionals class, before reviewing some important Property and Casualty principles and concepts. Then, we'll look at dwelling and homeowner's policies, before moving on to personal and commercial auto policies. We'll talk about commercial coverage package policies, business owner's policies, and worker's compensation insurance.

In the self-study portion of the course, we'll review some of the most common and important policies you'll write. First, we'll start with a review of some general insurance concepts, and then we'll cover worker's compensation. You'll learn about some of the federal regulations and laws that apply to insurance, and we'll talk about flood insurance - what it covers, and who needs it.

Then we'll discuss renter's and condominium insurance, and how to market these policies. After discussing the problems of toxic mold and money laundering, and how agents should handle them, we'll cover Limited Lines Credit insurance.


This course is approved continuing education for both Insurance Producers and Adjusters.


Texas Department of Insurance Course ID: 105359 & 101509

  • Ethics (Classroom Equivalent)
    • Ethics for Insurance Professionals in Texas [2 Activities]
      • 01. Ethics for Insurance Professionals in Texas
      • End of cluster
    • Incremental Quiz 1 (5 questions)
    • Principles of Ethics for Insurance Professionals [2 Activities]
      • 01. Principles of Ethics for Insurance Professionals
      • End of cluster
    • Incremental Quiz 2 (5 questions)
    • Ethical Duties, Part 1 [2 Activities]
      • 03. Ethical Duties, Part 1
      • End of cluster
    • Incremental Quiz 3 (5 questions)
    • Ethical Duties, Part 2 [2 Activities]
      • 04. Ethical Duties, Part 2
      • End of cluster
    • Incremental Quiz 4 (5 questions)
    • Ethical Situations [2 Activities]
      • 05. Ethical Situations
      • End of cluster
    • Incremental Quiz 5 (5 questions)
    • Industry Codes of Ethics and Laws Governing Ethics [2 Activities]
      • 06. Industry Codes of Ethics and Laws Governing Ethics
      • End of cluster
    • Incremental Quiz 6 (5 questions)
    • Texas Laws on Unfair Trade Practices in Insurance [2 Activities]
      • 07. Texas Laws on Unfair Trade Practices in Insurance
      • End of cluster
    • Incremental Quiz 7 (5 questions)
    • Texas Laws on Unfair Trade Practices in Insurance [3 Activities]
      • 08. Texas Laws on Unfair Trade Practices in Insurance
      • 09. The Future Of Insurance; How To Enhance Ethics In Practice
      • End of cluster
    • Incremental Quiz 8 (5 questions)
  • P&C Principles and Concepts (Classroom Equivalent)
    • Introduction to P&C Insurance Concepts [3 Activities]
      • 01. Introduction (Video)
      • 02. Principles and Concepts - Part 1
      • End of cluster
    • Incremental Quiz 9 (5 questions)
    • Principles & Concepts [5 Activities]
      • 01. Principles and Concepts: Loss (Video)
      • 02. Principles and Concepts - Part 2: Loss
      • 03. Negligence, Liability, and Damages (Video)
      • 04. Negligence, Liability, and Damages
      • End of cluster
    • Incremental Quiz 10 (5 questions)
    • Negligence Liability & Damages [4 Activities]
      • 01. Negligence, Liability, and Damages, Part 2
      • 02. Policy Structure (Video)
      • 03. Policy Structure
      • End of cluster
    • Incremental Quiz 11 (5 questions)
    • Common Policy Provisions [5 Activities]
      • 01. Common Policy Provisions (Video)
      • 02. Common Policy Provisions – Part 1
      • 03. Common Policy Provisions - Cont.(Video)
      • 04. Cancellation and Nonrenewal
      • End of cluster
    • Incremental Quiz 12 (5 questions)
    • Common Policy Provisions - Parts 2&3 [4 Activities]
      • 01. Common Policy Provisions – Part 2
      • 02. Common Policy Provisions - Cont. (Video)
      • 03. Common Policy Provisions – Part 3
      • End of cluster
    • Incremental Quiz 13 (5 questions)
    • Common Policy Provisions - Part 4 [4 Activities]
      • 01. Common Policy Provisions – Part 4
      • 02. Cause of Loss Forms
      • 03. Common Policy Provisions - Conclusion (Video)
      • End of cluster
    • Incremental Quiz 14 (5 questions)
  • Dwelling Policies (Classroom Equivalent)
    • Introduction to Dwelling Policies [3 Activities]
      • 01. Introduction (Video)
      • 02. Policy Form
      • End of cluster
    • Incremental Quiz 15 (5 questions)
    • Property Coverages [2 Activities]
      • 01. Property Coverages
      • End of cluster
    • Incremental Quiz 16 (5 questions)
    • General Exclusions [3 Activities]
      • 01. General Exclusions
      • 02. Conditions – Part 1
      • End of cluster
    • Incremental Quiz 17 (5 questions)
    • Conditions - Part 2 [5 Activities]
      • 01. Conditions – Part 2
      • 02. Selected Endorsements
      • 03. Personal Liability Supplement
      • 04. Conclusion (Video)
      • End of cluster
    • Incremental Quiz 18 (5 questions)
  • Homeowner's Policy (Classroom Equivalent)
    • Homeowner's Policy [3 Activities]
      • 01. Introduction ( Video)
      • 02. Basic Principles
      • End of cluster
    • Incremental Quiz 19 (5 questions)
    • Structure of Homeowners Policy - Part 1 [2 Activities]
      • 01. Structure of a Homeowners Policy – Part 1
      • End of cluster
    • Incremental Quiz 20 (5 questions)
    • Structure of Homeowner's Policy - Part 2 [2 Activities]
      • 01. Structure of a Homeowners Policy – Part 2
      • End of cluster
    • Incremental Quiz 21 (5 questions)
    • Structure of Homeowner's Policy - Parts 3&4 [4 Activities]
      • 01. Structure of a Homeowners Policy – Part 3
      • 02. Liability Coverages (Video)
      • 03. Structure of a Homeowners Policy – Part 4
      • End of cluster
    • Incremental Quiz 22 (5 questions)
    • Structure of a Homeowner's Policy - Part 5 [2 Activities]
      • End of cluster
      • Structure of a Homeowners Policy – Part 5
    • Incremental Quiz 23 (5 questions)
    • Structure of a Homeowner's Policy - Part 6 [4 Activities]
      • 01. Structure of a Homeowners Policy – Part 6
      • 02. Endorsements (Video)
      • 03. Endorsements
      • End of cluster
    • Incremental Quiz 24 (5 questions)
    • Endorsements [3 Activities]
      • 01. Endorsements – Part 2
      • 02. Conclusion (Video)
      • End of cluster
    • Incremental Quiz 25 (5 questions)
  • Personal Automobile Insurance (Classroom Equivalent)
    • Fundamentals of Auto Coverage [3 Activities]
      • 01. Introduction (Video)
      • 02. Fundamentals of Auto Coverage – Part 1
      • End of cluster
    • Incremental Quiz 26 (5 questions)
    • Personal Auto Policies in Detail [2 Activities]
      • 01. Personal Auto Policies in Detail – Part 1
      • End of cluster
    • Incremental Quiz 27 (5 questions)
    • Personal Auto Policies in Detail - Part 2 [3 Activities]
      • 01. Personal Auto Policies in Detail – Part 2
      • 02. Conclusion (Video)
      • End of cluster
    • Incremental Quiz 28 (5 questions)
  • Commercial Coverage Package Policies (Classroom Equivalent)
    • Introduction to Commercial Package Policies [5 Activities]
      • 01. Introduction (Video)
      • 02. Components of a Commercial Policy
      • 03. Bodily Injury and Property Damage Liability (Video)
      • 04. Commercial General Liability
      • End of cluster
    • Incremental Quiz 29 (5 questions)
    • Commercial General Liability - Parts 2&3 [4 Activities]
      • 01. Commercial General Liability - Part 2; Commercial General Liability Coverage Forms (Continued)
      • 02. Personal and Advertising Injury Liability, Medical Payments and Supplementary Payments (Video)
      • 03. Commercial General Liability - Part 3
      • End of cluster
    • Incremental Quiz 30 (5 questions)
    • Commercial General Liability - Parts 4&5 [4 Activities]
      • 01. Commercial General Liability - Part 4
      • 02. Who is an "Insured" (Video)
      • 03. Commercial General Liability - Part 5
      • End of cluster
    • Incremental Quiz 31 (5 questions)
    • Commercial General Liability - Part 6 [4 Activities]
      • 01. CGL Definitions (Video)
      • 02. Commercial General Liability - Part 6
      • 03. Occurrence and Claims-Made Forms (Video)
      • End of cluster
    • Incremental Quiz 32 (5 questions)
    • Commercial General Liability - Parts 7&8 [4 Activities]
      • 01. Commercial General Liability - Part  7
      • 02. Pollution Liability Coverage Form (Video)
      • 03. Commercial General Liability - Part 8
      • End of cluster
    • Incremental Quiz 33 (5 questions)
    • Commercial Property - Parts 1&2 [5 Activities]
      • 01. Commercial Property (Video)
      • 02. Commercial Property - Part 1
      • 03. Building and Personal Property (Video)
      • 04. Commercial Property - Part 2
      • End of cluster
    • Incremental Quiz 34 (5 questions)
    • Commercial Property - Part 3 [2 Activities]
      • 01. Commercial Property - Part 3
      • End of cluster
    • Incremental Quiz 35 (5 questions)
    • Commercial Property - Parts 4&5 [4 Activities]
      • 01. Commercial Property - Part 4
      • 02. Condominium Association Coverage Form (Video)
      • 03. Commercial Property - Part 5
      • End of cluster
    • Incremental Quiz 36 (5 questions)
    • Commercial Property - Part 6 [3 Activities]
      • 01. Business Income Coverage Form
      • 02. Commercial Property - Part 6
      • End of cluster
    • Incremental Quiz 37 (5 questions)
    • Commercial Property - Parts 7&8 [7 Activities]
      • 01. Legal Liability Coverage Forms and Extra Expense Coverage Forms (Video)
      • 02. Commercial Property - Part 7
      • 03. Causes of Loss Forms and Selected Endorsement for Commercial Property Coverage (Video)
      • 04. Commercial Property - Part 8
      • 05. Commercial Crime (Video)
      • 06. Commercial Crime - Part 1
      • End of cluster
    • Incremental Quiz 38 (5 questions)
    • Commercial Crime - Part 2 & Commercial Inland Marine [4 Activities]
      • 01. Commercial Crime - Part 2
      • 02. Commercial Inland Marine (Video)
      • 03. Commercial Inland Marine – Part 1
      • End of cluster
    • Incremental Quiz 39 (5 questions)
    • Commercial Inland Marine - Part 2 & Equipment Breakdown [4 Activities]
      • 01. Commercial Inland Marine – Part 2
      • 02. Equipment Breakdown (Video)
      • 03. Equipment Breakdown – Part 1
      • End of cluster
    • Incremental Quiz 40 (5 questions)
    • Equipment Breakdown - Part 2 [4 Activities]
      • 01. Equipment Breakdown – Part 2
      • 02. Farm Coverage (Video)
      • 03. Farm Coverage - Part 1
      • End of cluster
    • Incremental Quiz 41 (5 questions)
    • Farm Coverage [3 Activities]
      • 01. Farm Coverage - Part 2
      • 02. Conclusion (Video)
      • End of cluster
    • Incremental Quiz 42 (5 questions)
  • Business Owners Insurance Policies (Classroom Equivalent)
    • Introduction to Business Owners Insurance Policies [4 Activities]
      • 01. Business owners' Policies Introduction (Video)
      • 02. Property – Part 1: Risks
      • 03. Property – Part 2: Coverages
      • 04. Property – Part 3
    • Incremental Quiz 43 (5 questions)
    • Business Owners Liability Coverage [6 Activities]
      • 01. Liability (Video)
      • 02. Liability
      • 03. Common Policy Conditions
      • 04. Selected Endorsements
      • 05. Conclusion (Video)
      • End of cluster
    • Incremental Quiz 44 (5 questions)
  • Worker’s Compensation Insurance (Classroom Equivalent)
    • Introduction to Workers' Compensation Insurance [5 Activities]
      • 01. Workers Compensation Introduction (Video)
      • 02. Workers’ Compensation Laws
      • 03. Workers Compensation and Employers Liability Insurance Policy (Video)
      • 04. Workers’ Compensation and Employers’ Liability Insurance Policy – Part 1 & 2
      • End of cluster
    • Incremental Quiz 45 (5 questions)
    • Workers' Compensation & Disability [4 Activities]
      • 01. Workers’ Compensation and Employers’ Liability Insurance Policy – Parts 3 - 6
      • 02. Workers' Compensation and Disability (Video)
      • 03. Workers' Compensation and Disability
      • End of cluster
    • Incremental Quiz 46 (5 questions)
    • Worker’s Compensation & Disability - Part 2 [5 Activities]
      • 01. Workers' Compensation and Disability – Part 2
      • 02. Premium Computations (Video)
      • 03. Premium Computations – Part 1
      • 04. Premium Computations – Part 2
      • End of cluster
    • Incremental Quiz 47 (5 questions)
    • Workers' Compensation Laws [5 Activities]
      • 01. Workers Compensation Laws (Video)
      • 02. Workers' Compensation Laws – Part 1
      • 03. Workers' Compensation Laws – Part 2
      • 04. Conclusion (Video)
      • End of cluster
    • Incremental Quiz 48 (5 questions)
  • General Insurance Topics (Self Study)
    • General Insurance Concepts [22 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
        • 12. Producers and Agency Relationships - Part 3
        • 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. Completing the Application, Underwriting, and Delivering the Policy (Video)
        • 19. Completing the Application, Underwriting, and Delivering the Policy - Part 1
        • 20. Completing the Application, Underwriting, and Delivering the Policy - Part 2
        • 21. Completing the Application, Underwriting, and Delivering the Policy - Part 3
        • 22. Conclusion (Video)
    • Workers Compensation [15 Activities]
      • 01. Workers Compensation Introduction (Video)
      • 02. Workers Compensation Laws
      • 03. Workers Compensation and Employers Liability Insurance Policy (Video)
      • 04. Workers Compensation and Employers Liability Insurance Policy - Part 1-2
      • 05. Workers Compensation and Employers Liability Insurance Policy - Part 3-6
      • 06. Workers' Compensation and Disability (Video)
      • 07. Worker's Compensation and Disability
      • 08. Worker's Compensation and Disability - Part 2
      • View Additional Activities
        • 09. Premium Computations (Video)
        • 10. Premium Computations - Part 1
        • 11. Premium Computations - Part 2
        • 12. Workers Compensation Laws (Video)
        • 13. Workers Compensation Laws - Part 1
        • 14. Workers Compensation Laws - Part 2
        • 15. Conclusion (Video)
    • Other Coverages [29 Activities]
      • 01. Other Coverages Introduction (Video)
      • 02. Umbrella and Excess Liability Policies -Part 1
      • 03. Umbrella and Excess Liability Policies - Part 2
      • 04. Umbrella and Excess Liability Policies - Part 3
      • 05. Umbrella and Excess Liability Policies - Part 4
      • 06. Umbrella and Excess Liability Policies - Part 5
      • 07. Commercial Umbrella (Video)
      • 08. Umbrella and Excess Liability Policies - Part 6
      • View Additional Activities
        • 09. Umbrella and Excess Liability Policies - Part 7
        • 10. Umbrella and Excess Liability Policies - Part 8
        • 11. Umbrella and Excess Liability Policies - Part 9
        • 12. Umbrella and Excess Liability Policies - Part 10
        • 13. Umbrella and Excess Liability Policies - Part 11
        • 14. Specialty and Professional Liability Insurance (Video)
        • 15. Specialty and Professional Liability Insurance
        • 16. National Flood Insurance Program (Video)
        • 17. National Flood Insurance Program - Part 1
        • 18. National Flood Insurance Program - Part 2
        • 19. National Flood Insurance Program - Part 3
        • 20. National Flood Insurance Program - Part 4
        • 21. National Flood Insurance Program - Part 5
        • 22. National Flood Insurance Program - Part 6
        • 23. National Flood Insurance Program - Part 7
        • 24. Other Policies (Video)
        • 25. Other Policies
        • 26. Surety Bonds and Surplus Lines (Video)
        • 27. Surety Bonds
        • 28. Surplus Lines
        • 29. Conclusion (Video)
    • Federal Regulations and Laws Governing Insurance [4 Activities]
      • 01. Introduction (Video)
      • 02. Federal Regulations
      • 03. Federal Financial Regulations
      • 04. Conclusion (Video)
    • Flood Insurance [10 Activities]
      • 01. Introduction (Video)
      • 02. Flood Insurance: Yesterday, Today, & Tomorrow
      • 03. Flood Insurance and the Role of an Insurance Producer (Video)
      • 04. Flood Insurance and the Role of an Insurance Producer
      • 05. Myths vs. Realities (Video)
      • 06. Myths vs. Realities
      • 07. Errors, Omissions, Ethics, and Best Practices (Video)
      • 08. Errors, Omissions, Ethics, and Best Practices
      • 09. Case Law
      • 10. Becoming an NFIP Agent
    • 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. Marketing Renters Insurance (video)
      • 06. Educating the Customer
      • 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. Terms of Coverage
        • 13. Condominium Insurance
        • 14. Where Do We Go From Here?
        • 15. Conclusion (video)
    • 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 Origins
      • 03. Steps in Money Laundering (Video)
      • 04. Stages of Money Laundering
      • 05. Money Laundering Detection (Video)
      • 06. National Efforts to Combat Money Laundering
      • 07. How to use Insurance to Launder Money
      • 08. Laws regarding Money Laundering (Video)
      • View Additional Activities
        • 09. Notable Cases
        • 10. Anti-money-laundering (Video)
        • 11. Insurance Company Obligations
        • 12. Preventing Money Laundering
        • 13. Insurance Agent & Broker Obligations
        • 14. Conclusion
    • NFIP [14 Activities]
      • 01. Introduction (Video)
      • 02. Introduction
      • 03. Community Participation
      • 04. Flood Maps and Zones (Video)
      • 05. Flood Maps and Zone Determinations
      • 06. Policies and Products Available (Video)
      • 07. Policies and Products Available
      • 08. General Rules (Video)
      • View Additional Activities
        • 09. General Rules
        • 10. Rating and Handling Claims (Video)
        • 11. Rating
        • 12. The 2004 FIRA and Agent Resources (Video)
        • 13. Flood Insurance Reform Act of 2004
        • 14. Conclusion (Video)
    • Limited Lines Credit [6 Activities]
      • 01. Introduction (Video)
      • 02. Introduction to Limited Lines Credit Insurance
      • 03. NAIC Model Laws and Regulations
      • 04. How Credit Insurance Works
      • 05. Conclusion
      • 06. Conclusion (Video)
    • Self-Study Exam (60 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

August 2nd, 2018
This was excellent information provided to assist with my novice industry knowledge and future claims handling.

August 2nd, 2018
Very thorough and easy to understand.

July 29th, 2018
great course

July 29th, 2018
Great Course

July 17th, 2018
Educational

June 29th, 2018

June 28th, 2018
Too difficult for just CEDs! Will not retain

June 25th, 2018
thanks

June 22nd, 2018
Such a great course!

June 19th, 2018
great info, refreshed my memory and learned different things too

June 18th, 2018
This course served my needs and was easy to understand

June 14th, 2018
It would be nice to know exactly how long each section will take to plan ahead.

May 29th, 2018
Very easy to follow along.

May 26th, 2018
Loved this class. So easy to use, I had an issue with my password and they were fantastic.

May 10th, 2018
Great course, easy to follow along!

May 7th, 2018
The course was great and it really helped me understand different insurance policies as well refresh my mind on different laws and insurance programs.

May 6th, 2018
Thank you.

May 3rd, 2018
VERY GOOD, A LOT OF CONTENT.

April 26th, 2018
Not at this time

April 18th, 2018
difficult but fair

April 8th, 2018
Easy to use and go on anytime

March 28th, 2018
Such a wonderful, comprehensible course. Would gladly recommend to others

March 21st, 2018
Very good training course!

March 15th, 2018

March 6th, 2018
Course was easy to navigate, thorough, and fair to complete.

March 3rd, 2018
It would be very helpful if one could know prior to each session/course how long average time is required. to review that course/session/lesson.

February 26th, 2018
VERY GOOD

February 14th, 2018
This is great stuff!

February 9th, 2018
Great glass

January 28th, 2018
Informative and compelling

January 18th, 2018
Very thorough & easy to navigate.

January 10th, 2018
Very informational

December 22nd, 2017
It was a very good review the only thing I would like to see is more training videos.

November 11th, 2017
The format was amazing it helped a lot

June 30th, 2018
The course was quite extensive but very suitable for a in-depth continuing education course

June 28th, 2018

February 25th, 2018
I would have like to have the option to have more of the reading material read out loud.

December 11th, 2017
Overall, I liked the course. Lots of good info but it was extremely long-winded and there was a lot of duplicate information, repetitive, but in a bad way.

June 4th, 2018
There was duplication in many modules that extended the length of review. Also some of the modules were more geared to preparing for a State exam versus a CE refresher. Much too comprehensive and time required to complete. It felt more like 35+ hours of CE vs. the 24 hour package I was seeking.

May 29th, 2018
Much too long and repetitive.

February 11th, 2018
Does not provide any indication how long each section will take.

February 3rd, 2018
I would have liked the course to be more interactive than just reading straight from slides.

July 14th, 2018
A bunch of material!!!1

February 16th, 2018
Information was all over the place. Not in a good format.

May 30th, 2018
Very repetitive - very dry - doesn't keep your attention.

April 12th, 2018
MANY typos throughout the course and a number of sentences that don’t make sense. I am convinced I answered one question correctly, yet was graded wrong. Final exam had 74% of questions pertaining to NFIP 37%, Renters 15%, Mold 15%, or Money Laundering 13%; four of the least common issues an agent deals with on a day to day basis and therefore, not a valid representation of the knowledge base necessary to provide the service and expertise necessary. Lots of pertinent information here but not presented well.

December 29th, 2017
took far more than 24 hours

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