Washington 24 Hour Life & Disability Review

$38.00

24 Hour Course

Course ID: 610330

Approved By: Washington Office of Insurance Commissioner

3.7 62 Reviews

Add to Cart (877) 724-6150

This course will update you on new Washington regulations for personal lines, including those covering the Affordable Care Act. You'll also review key principles and concepts related to life and disability policies.

We'll start this course with a review of basic insurance concepts, before moving into our ethics class. Then we'll discuss life insurance policy types and provisions. We'll also talk about disability insurance, including medical plans, and group health and dental insurance. We'll also look at Medicare and Long-Term Care, as well as the tax considerations that apply to many of these policies. We'll wrap the course up with our class on federal regulations governing insurance. This course applies to producers in all lines.

(WA OIC Approval ID:610330)

  • Universal 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)
    • 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)
  • Basic Life Insurance Concepts
    • Fundamental Concepts [8 Activities]
      • 01. Introduction (Video)
      • 03. Uses of Life Insurance (Video)
      • 04. Uses for Life Insurance - Part 1
      • 05. Uses for Life Insurance - Part 2
      • 06. Aspects of Life Insurance - Part 1
      • 08. Individual Underwriting by the Insurer (Video)
      • 09. Individual Underwriting by the Insurer
      • 10. 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 - 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 [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)
  • Basic Disability Insurance Concepts
    • 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)
    • 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)
  • Specific Life Insurance Policies
    • 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 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)
  • Specific Disability Insurance Policies
    • 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 [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. 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 [5 Activities]
      • 01. Introduction (Video)
      • 02. Categories of Dental Treatment
      • 03. Indemnity Plans
      • 04. Employer Group Dental Expense
      • 05. Conclusion (Video)
  • Health Insurance for Elderly Individuals
    • 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 [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)
  • Tax Considerations for Insurance
    • 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. Washington Specific Tax Considerations
      • 09. 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)
  • Regulations Governing 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)
    • Washington General Insurance Regulations [44 Activities]
      • 01. Introduction (Video)
      • 02. General Washington Insurance Regulations - Part 1
      • 03. General Washington Insurance Regulations - Part 2
      • 04. General Washington Insurance Regulations - Part 3
      • 05. General Washington Insurance Regulations - Part 4
      • 06. General Washington Insurance Regulations - Part 5
      • 07. General Washington Insurance Regulations - Part 6
      • 08. General Washington Insurance Regulations - Part 7
      • View Additional Activities
        • 09. Terms and Concepts (Video)
        • 10. General Washington Insurance Regulations - Part 8
        • 11. General Washington Insurance Regulations - Part 9
        • 12. General Washington Insurance Regulations - Part 10
        • 13. General Washington Insurance Regulations - Part 11
        • 14. General Washington Insurance Regulations - Part 12
        • 15. General Washington Insurance Regulations - Part 13
        • 16. General Washington Insurance Regulations - Part 14
        • 17. General Washington Insurance Regulations - Part 15
        • 18. General Washington Insurance Regulations - Part 16
        • 19. Licensing (Video)
        • 20. General Washington Insurance Regulations - Part 17
        • 21. General Washington Insurance Regulations - Part 18
        • 22. General Washington Insurance Regulations - Part 19
        • 23. General Washington Insurance Regulations - Part 20
        • 24. General Washington Insurance Regulations - Part 21
        • 25. General Washington Insurance Regulations - Part 22
        • 26. General Washington Insurance Regulations - Part 23
        • 27. General Washington Insurance Regulations - Part 24
        • 28. General Washington Insurance Regulations - Part 25
        • 29. General Washington Insurance Regulations - Part 26
        • 30. Marketing Practices (Video)
        • 31. General Washington Insurance Regulations - Part 27
        • 32. General Washington Insurance Regulations - Part 28
        • 33. General Washington Insurance Regulations - Part 29
        • 34. General Washington Insurance Regulations - Part 30
        • 35. General Washington Insurance Regulations - Part 31
        • 36. General Washington Insurance Regulations - Part 32
        • 37. General Washington Insurance Regulations - Part 33
        • 38. General Washington Insurance Regulations - Part 34
        • 39. General Washington Insurance Regulations - Part 35
        • 40. General Washington Insurance Regulations - Part 36
        • 41. General Washington Insurance Regulations - Part 37
        • 42. General Washington Insurance Regulations - Part 38
        • 43. General Washington Insurance Regulations - Part 39
        • 44. Conclusion (Video)
    • Washington Life-Specific Insurance Regulations [13 Activities]
      • 01. Introduction (Video)
      • 02. Life Insurance Regulation in General - Part 2
      • 03. Marketing Methods and Practices (Video)
      • 04. Marketing Methods and Practices
      • 05. Marketing Methods and Practices - Part 2
      • 06. Marketing Methods and Practices - Part 3
      • 07. Marketing Methods and Practices - Part 4
      • 08. Policy Clauses and Provisions (Video)
      • View Additional Activities
        • 09. Policy Clauses and Provisions
        • 10. Policy Clauses and Provisions - Part 2
        • 11. Group Life (Video)
        • 12. Group Life
        • 13. Conclusion (Video)
  • Final Test
    • Final Test (125 questions)
  • Certificate of Achievement
    • 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

November 24th, 2018
It was a comprehensive course and had a lot of great review topics

June 1st, 2018
Everything needed to complete my CE requirements

April 5th, 2018
Best course ever!

December 1st, 2017
I love the videos.

November 24th, 2018
During the course, there were a bunch of times where the checkpoint questions were from previous sections. The test had quite a few typos and punctuation issues (ie: a sentence that ended in a question mark when it was not a question).

October 3rd, 2018
This course was very hard for a CE course.

August 30th, 2018
Entirely too comprehensive. This was a lot of material. Shouldn't need to redo it all to qualify for CE.

June 2nd, 2018
The test questions did not align with the study material as much as I thought it should.

April 12th, 2018
too long.

March 12th, 2018
Too long

January 12th, 2018
Would be nice to know what percent of class has been completed

November 4th, 2017
The section on the Washington state specific regulations was simply restatement of the actual regulations and more detail than was necessary.

October 17th, 2018
The course is really bad. The questions on the quizes are not asked in industry language but instead asked in ways that make no sense, Few of the question have multiple correct answer depending on where you live and who you represent so more information on the question is required to really know what the question is so it just leaves you guessing.

June 7th, 2018
The course was way too time consuming. I know that you worked hard at it, but I doubt I would not take another course again. Sorry(!)

December 22nd, 2017
exam was to long and difficult

August 12th, 2018
The content took too long to get through, I don't need a delay on when I can click through content. I wont be back.

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