Washington 24 Hour Life & Disability Review

$38.00

24 Hour Course

Course ID: 610330

Approved By: Washington Office of Insurance Commissioner

3.8
105 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 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)
    • 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)
  • Basic Life Insurance Concepts
    • Fundamental Concepts [9 Activities]
      • 01. Introduction (Video)
      • 02. Introduction to Life Insurance; Common Classifications of Life Insurance
      • 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 [15 Activities]
      • 01. Introduction (Video)
      • 02. Life Insurance Basics
      • 03. Policy Descriptions in Brief
      • 04. Whole Life Insurance and Term Life Insurance (Video)
      • 05. Individual Policies in Detail: Whole Life Insurance
      • 06. Individual Policies in Detail: Term Life Insurance
      • 07. Flexible Policies and Specialized Policies (Video)
      • 08. Individual Policies in Detail: Flexible Policies
      • View Additional Activities
        • 09. Individual Policies in Detail: Specialized Policies
        • 10. Individual Policies in Detail: Endowment Policies and Worksite Plans
        • 11. Group Life Insurance and Credit Life Insurance (Video)
        • 12. Group Policies in Detail
        • 13. Completing the Application, Underwriting, and Delivering the Policy: Calculating and Delivering the Policy
        • 14. Credit Life Insurance
        • 15. 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)
  • Basic Disability Insurance Concepts
    • 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)
  • 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 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)
  • Specific Disability Insurance Policies
    • 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)
  • Health Insurance for Elderly Individuals
    • Medicare [21 Activities]
      • 01. History of Medicare (Video)
      • 02. Medicare: An Overview
      • 03. Medicare Enrollment
      • 04. Medicare Part A: Individual Eligibility Requirements (Video)
      • 05. Medicare Part A: Eligibility
      • 06. Medicare Part A: Coverage and Costs
      • 07. Medicare Part A: Coverage and Costs, Continued
      • 08. Medicare Part B: Eligibility
      • View Additional Activities
        • 09. Medicare Part B (Video)
        • 10. Medicare Part B: Coverage and Costs
        • 11. Medicare Part B: Coverages and Cost-Sharing Amounts, Part 1
        • 12. Medicare Part B: Coverages and Cost-Sharing Amounts, Part 2
        • 13. Part A and Part B Exclusions
        • 14. Medicare C & D (Video)
        • 15. Medicare Parts C and D, Part 1
        • 16. Medicare Parts C and D, Part 2
        • 17. Medigap (Video)
        • 18. Medicare Supplement Policy/ MSP / MediGap
        • 19. Medicare Conclusion (Video)
        • 20. Other Options
        • 21. 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 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 Nonqualified 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 [43 Activities]
      • 01. Introduction (Video)
      • 02. Powers of the Commissioner: Broad Powers
      • 03. Powers of the Commissioner: Additional Broad Powers
      • 04. Powers of the Commissioner: Examination of Records
      • 05. Powers of the Commissioner: Rates and Forms
      • 06. Powers of the Commissioner: Penalties
      • 07. Powers of the Commissioner: Unlicensed Activities
      • 08. Terms and Concepts (Video)
      • View Additional Activities
        • 09. Terms and Concepts: Insurer
        • 10. Terms and Concepts: Certificates of Authority and Types of Insurers
        • 11. Terms and Concepts: Guaranty Association (Life - Disability)
        • 12. Terms and Concepts: Guaranty Association (Life - Disability) - RCW 48.32A.025(1) and (2)
        • 13. Terms and Concepts: Guaranty Association (Life - Disability) - RCW 48.32A.025(3) and (4)
        • 14. Terms and Concepts: Guaranty Association (Life - Disability) - RCW 48.32A.035 - .065
        • 15. Terms and Concepts: Guaranty Association (Life - Disability) - RCW 48.32A.075(1) - (10)
        • 16. Terms and Concepts: Guaranty Association (Life - Disability) - RCW 48.32A.075(11) - (18)
        • 17. Terms and Concepts: Guaranty Association (Life - Disability) - RCW 48.32A.085
        • 18. Licensing (Video)
        • 19. Terms and Concepts: Fraternals
        • 20. Licensing
        • 21. Licensing: Persons Required to be Licensed - Producer
        • 22. Licensing: Persons Required to be Licensed - Temporary
        • 23. Licensing: Persons Required to be Licensed - Nonresident
        • 24. Licensing: Persons Required to be Licensed - Exemptions
        • 25. Licensing: Appointments/Termination of Appointments
        • 26. Licensing: Maintenance and Duration of License - Renewal
        • 27. Licensing: Maintenance and Duration of License - Continuing Education
        • 28. Licensing: Maintenance and Duration of License - Late Renewal/Reinstatement
        • 29. Marketing Practices (Video)
        • 30. Marketing Practices: Unfair Practices
        • 31. Marketing Practices: Unfair Claims Methods and Trade Practices - WAC 284-30-300 to -320
        • 32. Marketing Practices: Unfair Claims Methods and Trade Practices - WAC 284-30-340 to -360
        • 33. Marketing Practices: Unfair Claims Methods and Trade Practices - WAC 284-30-370, -380, -400, -570 to -574, and -590
        • 34. Marketing Practices: Unfair Claims Methods and Trade Practices - WAC 284-30-660 and -670
        • 35. Marketing Practices: Unfair Claims Methods and Trade Practices - Life and Disability
        • 36. Marketing Practices: Unfair Claims Methods and Trade Practices - Property and Casualty
        • 37. Marketing Practices: Unfair Claims Methods and Trade Practices - Additional Property and Casualty Rules
        • 38. Marketing Practices: Producer’s Compensation Disclosure and Rebating
        • 39. Marketing Practices: Other Unfair Practices
        • 40. Marketing Practices: Producer Responsibilities
        • 41. Marketing Practices: More Producer Responsibilities
        • 42. Marketing Practices: Compensation of Licensees
        • 43. Conclusion (Video)
    • Washington Life-Specific Insurance Regulations [13 Activities]
      • 01. Introduction (Video)
      • 02. Participation in Surplus
      • 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

October 14th, 2019
Everyone was very nice. I would like to especially thank Shannan, for taking the time to spend with me on the phone and calling to see if I was doing ok. thank you.

June 30th, 2019
I loved the course due to it being at your own pace and having multiple try option for testing. It allowed me to review and increase my score after.

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.

June 17th, 2019
I would like to suggest a better editor or writer for this course. The grammar was hard to understand and made it difficult to pass the final test. I usually pass tests with great understanding of the questions being asked. Punctuation should especially be reviewed. Thanks!

January 25th, 2019
Most of the test questions and training were on Life Insurance not on the disability part. I needed Disability part.

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.

May 23rd, 2019
Final exam is extremely long and vague.

March 20th, 2019
Test questions were not covered in the classes. Test questions were also very specific in regards to certain policies which might not be the same within insurance companies.

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.

October 3rd, 2019

September 22nd, 2019

September 17th, 2019

September 10th, 2019

September 2nd, 2019

August 15th, 2019

August 15th, 2019

July 31st, 2019

July 29th, 2019

July 12th, 2019

July 11th, 2019
N/A

July 8th, 2019

June 21st, 2019

May 8th, 2019

March 26th, 2019

February 20th, 2019

December 28th, 2018

November 21st, 2018

November 5th, 2018

October 18th, 2018

October 7th, 2018

October 6th, 2018

September 27th, 2018

September 11th, 2018

September 11th, 2018

September 5th, 2018

August 17th, 2018

August 15th, 2018

August 9th, 2018

August 9th, 2018

July 27th, 2018

July 14th, 2018

June 29th, 2018

May 15th, 2018

March 13th, 2018

February 11th, 2018

January 12th, 2018

December 27th, 2017

December 27th, 2017

November 18th, 2017

September 10th, 2019

September 9th, 2019

August 30th, 2019

August 6th, 2019

August 2nd, 2019

February 1st, 2019

January 21st, 2019

January 15th, 2019

January 13th, 2019

December 30th, 2018

October 16th, 2018

July 29th, 2018

July 2nd, 2018

May 12th, 2018

April 3rd, 2018

October 14th, 2019

September 29th, 2019

September 26th, 2019

August 31st, 2019

August 21st, 2019

July 8th, 2019

May 22nd, 2019
n/a

December 12th, 2018

September 6th, 2018

September 4th, 2018

August 27th, 2018

August 7th, 2018

May 10th, 2018

May 5th, 2018

April 5th, 2018

April 2nd, 2018

April 1st, 2018

March 28th, 2018

November 26th, 2017

November 19th, 2017

December 18th, 2018

April 12th, 2018

November 7th, 2017

January 11th, 2019

December 31st, 2018

October 25th, 2018

April 19th, 2018

December 5th, 2017