Washington Deluxe L&D Insurance Exam Prep Course

40 Hour Course
3.8 70 Reviews
$127.00

Course Description
Course Outline

This deluxe course package offers printable study materials designed to ensure you're ready to take the state test!

We'll start with general insurance concepts that you'll need to understand, before moving on to life insurance policies, provisions, and producer responsibilities. We'll cover tax considerations that apply to life insurance and annuities, and we'll discuss qualified plans and retirement. We'll look at health insurance policies, including group health, dental, Medicare, and Long-Term Care. You'll also learn about the tax policies that apply to some of these. Also included are the federal and state insurance regulations you need to know. There are mid-point, end-point, and final exams throughout the package to test your knowledge as you go.

Take the first step to become a Life & Disability Producer, At Your Pace Online!

*At Your Pace Online's test-simulator exams are designed to simulate the conditions you will face while taking the state exam.

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General Insurance
- General Insurance [22 Activities]
  - 01. General Insurance
  - 02. Introduction to General Insurance
  - 03. What is Insurance?
  - 04. Risk and Risk Management
  - 05. Risk and Risk Management: Techniques and Insurable Interest
  - 06. Insurers Introduction
  - 07. Insurers
  - 08. Financial Status
  - View Additional Activities
    - 09. Insurers: Financial Status
    - 10. Insurance Producers
    - 11. Producers and Agency Relationships
    - 12. Producers and Agency Relationships: Creation of an Agency Relationship
    - 13. Producers and Agency Relationship: Authority, Powers, and Responsibilities of Producers
    - 14. Contracts Introduction
    - 15. Contracts
    - 16. Contracts and Contract Elements
    - 17. Contracts: Distinct Characteristics of an Insurance Contract
    - 18. Contracts: Legal Interpretations Affecting Contracts
    - 19. Completing the Application, Underwriting, and Delivering the Policy
    - 20. Completing the Application, Underwriting, and Delivering the Policy
    - 21. Completing the Application, Underwriting, and Delivering the Policy: Underwriting
    - 22. Conclusion of Fundamental Insurance
Insurance Regulations
- Federal Regulations Governing Life and Health Insurance [14 Activities]
  - 01. Introduction to Federal Regulations for Disability, Accident and Health Insurance
  - 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. Affordable Care Act
  - 06. Federal Regulations Governing Health Insurance Part 4
  - 07. Underwriting
  - 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. Government Assistance and Fines
    - 12. Federal Regulations Governing Health Insurance Part 8
    - 13. Federal Regulations Governing Health Insurance Part 9
    - 14. Conclusion to Federal Rules
- General Washington Insurance Regulations [43 Activities]
  - 01. Introduction to General Washington Insurance Regulations
  - 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
  - View Additional Activities
    - 09. Terms and Concepts: Insurer
    - 10. Terms and Concepts: Certificates of Authority and Types of Insurers
    - 11. Terms and Concepts: Life and Disability Guaranty Association
    - 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. Terms and Concepts: Fraternals
    - 19. Licensing Introduction
    - 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
    - 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: Producers 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 of General Washington Insurance Regulations
Life Insurance
- Washington Laws and Rules Specific to Life Insurance [14 Activities]
  - 01. Introduction
  - 02. Purchase or Exchange of Annuities
  - 03. Marketing Methods and Practices Introduction
  - 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 Introduction
  - View Additional Activities
    - 09. Policy Clauses and Provisions
    - 10. Policy Clauses and Provisions Part 2
    - 11. Group Life Introduction
    - 12. Group Life
    - 13. Conclusion
    - 14. End of the Course
- Life Insurance - Midpoint Quiz (39 questions)
- Life Insurance Basics [9 Activities]
  - 01. Life Insurance Basics
  - 02. Introduction to Life Insurance; Common Classifications of Life Insurance
  - 03. Uses of Life Insurance
  - 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 Introduction
  - 08. Individual Underwriting by the Insurer
  - 09. Conclusion
- Life Insurance Policies [15 Activities]
  - 01. Introduction to Life Insurance Policies
  - 02. Life Insurance Basics
  - 03. Policy Descriptions in Brief
  - 04. Whole Life Insurance and Term Life Insurance
  - 05. Individual Policies in Detail: Whole Life Insurance
  - 06. Individual Policies in Detail: Term Life Insurance
  - 07. Flexible Policies and Specialized Policies
  - 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
    - 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
- Life Insurance Provisions, Options and Riders [17 Activities]
  - 01. Introduction to Life Insurance Policy Provisions, Options and Riders
  - 02. Standard Policy Provisions Part 1
  - 03. Standard Policy Provisions Part 2
  - 04. Beneficiaries
  - 05. Standard Policy Provisions Part 3
  - 06. Standard Policy Provisions Part 4
  - 07. Options
  - 08. Options: Settlement
  - View Additional Activities
    - 09. Options: Nonforfeiture
    - 10. Options: Loans, Withdrawals, and Surrenders
    - 11. Riders
    - 12. Disability, LTC, and Accelerated Benefit Riders
    - 13. Riders: Additional Uses
    - 14. Term Riders
    - 15. Other Riders
    - 16. Viatical Trust Settlements
    - 17. Conclusion
- Annuities [10 Activities]
  - 01. Introduction to Annuities
  - 02. Annuity Principles and Concepts
  - 03. Immediate versus Deferred Annuities
  - 04. Annuity Payment Options
  - 05. Annuity (Benefit) Payment Options
  - 06. Annuity Products Introduction
  - 07. Annuity Products
  - 08. Uses of Annuities Introduction
  - 09. Uses of Annuities
  - 10. Conclusion
- Federal Taxation on Life Insurance [8 Activities]
  - 01. Introduction to Federal Taxation of Life Insurance
  - 02. Taxation of Personal Life Insurance
  - 03. Modified Endowment Contracts: MECs
  - 04. Taxation of Nonqualified Annuities Introduction
  - 05. Taxation of Nonqualified Annuities
  - 06. Taxation of Individual Retirement Annuities
  - 07. Taxation of Individual Retirement Annuities (IRAs)
  - 08. Conclusion
- Qualified Plans [13 Activities]
  - 01. Introduction to Qualified Plans
  - 02. Qualified Plans Part 1
  - 03. Qualified Plans - Part 2: Plan Types, Characteristics, and Purchasers
  - 04. Federal Tax Considerations for Qualified Plans
  - 05. Qualified Plans - Part 3: Federal Tax Considerations for Qualified Plans
  - 06. Rollovers, Transfers, and 1035 Exchanges
  - 07. Rollovers and Transfers
  - 08. Section 1035 Exchanges
  - View Additional Activities
    - 09. Social Security
    - 10. Social Security Benefits
    - 11. Employee Retirement Income Security Act
    - 12. Employee Retirement Income Security Act (ERISA)
    - 13. Conclusion
- Life Insurance - Endpoint Quiz (25 questions)
Final Exam - Life
- Life Insurance - Final Exam (100 questions)
Washington Disability (Health) Insurance
- Health Insurance Basics [22 Activities]
  - 01. Introduction to Health Insurance Basics
  - 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. Limited Coverage Policies
  - View Additional Activities
    - 09. Types of Health Insurance Policies: Part 2
    - 10. Premiums
    - 11. Health Insurance Portability and Accountability Act: HIPAA
    - 12. Health Insurance Portability and Accountability Act of 1996 (HIPAA)
    - 13. Exclusions
    - 14. Other Insurance Concepts
    - 15. Producer Responsibilities Introduction
    - 16. Producer Responsibilities
    - 17. Underwriting
    - 18. Field Underwriting
    - 19. Individual Underwriting By the Insurer
    - 20. Producer Responsibilities
    - 21. Considerations in Replacing Accident and Health Insurance
    - 22. Conclusion
- Health Insurance Provisions, Options and Riders [7 Activities]
  - 01. Health Insurance Policy Provisions
  - 02. Uniform Policy Provisions
  - 03. Other General Provisions
  - 04. Other General Provisions - Part 1
  - 05. Other General Provisions - Part 2
  - 06. Riders
  - 07. Conclusion
- Disability Income Insurance [19 Activities]
  - 01. Introduction to Disability Income
  - 02. Statistics
  - 03. Definitions Introduction
  - 04. Definitions
  - 05. Definitions Part 2
  - 06. Qualifying for Disability Benefits Introduction
  - 07. Qualifying for Disability Benefits
  - 08. Different Types of Disability Coverage Introduction
  - View Additional Activities
    - 09. Different Types of Disability Coverage
    - 10. Group and Individual Disability Income Insurance Introduction
    - 11. Group and Individual Disability Income Insurance
    - 12. Group and Individual Disability Income Insurance Part 2
    - 13. Unique Aspects of Disability Underwriting Introduction
    - 14. Unique Aspects of Disability Underwriting
    - 15. Social Security Disability Income Introduction
    - 16. Social Security Disability Income
    - 17. Workers Compensation Introduction
    - 18. Workers Compensation
    - 19. Conclusion
- Medical Plans [6 Activities]
  - 01. Introduction to Medical Plans
  - 02. Medical Plan Concepts
  - 03. Types of Providers and Plans Introduction
  - 04. Types of Providers and Plans
  - 05. Cost Containment in Health Care Delivery Introduction
  - 06. Cost Containment in Health Care Delivery
- Group Insurance [12 Activities]
  - 01. Introduction to Group Health Insurance Policies
  - 02. Group Insurance Concepts
  - 03. Types of Eligible Groups
  - 04. Group Benefits Review
  - 05. Advertising Group Health Insurance
  - 06. Employer Group Health Insurance
  - 07. Group Insurance Eligibility
  - 08. Loss of Coverage / Coverage Continuation / Changing Coverage
  - View Additional Activities
    - 09. COBRA Coverage
    - 10. Small Employer Medical Plans
    - 11. Other Types of Supplementary Group Coverage
    - 12. Conclusion
- Disability (Health) - Midpoint Quiz (35 questions)
- Dental Insurance [5 Activities]
  - 01. Introduction to Dental Insurance
  - 02. Dental Insurance - Part 1
  - 03. Indemnity Plans
  - 04. Employer Group Dental Expense
  - 05. Conclusion
- Medicare [21 Activities]
  - 01. Introduction to Medicare
  - 02. Medicare: An Overview
  - 03. Medicare Enrollment Periods
  - 04. Medicare A: Individual Eligibility Requirements
  - 05. Medicare Part A: Eligibility
  - 06. Medicare Part A: Coverage and Costs
  - 07. Medicare Part A: Coverage and Costs, Continued
  - 08. Medicare Part B
  - View Additional Activities
    - 09. Medicare Part B: Eligibility
    - 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 Parts C and D
    - 15. Medicare Parts C and D, Part 1
    - 16. Medicare Parts C and D, Part 2
    - 17. Medicare Supplements: Medigap
    - 18. Medicare Supplement Policies: MediGap
    - 19. Medicare
    - 20. Other Options
    - 21. Conclusion
- Long-Term Care Insurance [11 Activities]
  - 01. Introduction to Long-Term Care Policies
  - 02. Long-Term Care Policies: 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
- Federal Taxation of Health Insurance [9 Activities]
  - 01. Federal Tax Health
  - 02. Health Insurance Taxes
  - 03. Personally-Owned and Group Health Insurance
  - 04. Employer Group Health Insurance
  - 05. Medical Expense Coverage for Sole Proprietors and Partners
  - 06. Business Disability Insurance
  - 07. Health Savings Accounts and Other Tax-Favored Health Plans
  - 08. Consumer Driven Health Plans (CDHPs)
  - 09. Conclusion
- Health Insurance Specific Law and Rule [25 Activities]
  - 01. Introduction
  - 02. In General
  - 03. Marketing Methods and Practices Introduction
  - 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. Marketing Methods and Practices Part 5
  - View Additional Activities
    - 09. Marketing Methods and Practices Part 6
    - 10. Marketing Methods and Practices Part 7
    - 11. Marketing Methods and Practices Part 8
    - 12. Marketing Methods and Practices Part 9
    - 13. Marketing Methods and Practices Part 10
    - 14. Health Insurance Reform Introduction
    - 15. Health Insurance Reform
    - 16. Health Insurance Reform Part 2
    - 17. Health Insurance Reform - Part 3
    - 18. Policy Clauses, Exclusions, and Provisions Introduction
    - 19. Policy Clauses, Exclusions, and Provisions
    - 20. Health Care Services and Health Maintenance Organizations Introduction
    - 21. Health Care Services and Health Maintenance Organizations (HMOs)
    - 22. Health Care Services and Health Maintenance Organizations (HMOs) Part 2
    - 23. Health Care Services and Health Maintenance Organizations (HMOs) Part 3
    - 24. Conclusion
    - 25. End of the Course
- Disability (Health) - Endpoint Quiz (32 questions)
Final Exam - Disability (Health)
- Disability (Health) - Final Exam (100 questions)
Course Completion
- Course Certificate
Course Materials
- General Insurance Concepts
- Standard Policy Provisions
- Life Insurance Policy Types
- Annuities
- Fundamental Concepts
- Producer Responsibilities in Marketing
- Federal Tax Considerations for Life Insurance and Annuities
- Qualified Plans and Retirement
- Life Insurance and Securities
- Introduction to Health Insurance
- General Provisions
- Disability
- Medical Plans
- Group Health
- Dental
- Medicare
- Long Term Care
- Federal Tax Considerations
- Federal Regulations Covering Health Insurance
- Washington General Insurance Regulations
- Washington Life-Specific Insurance Regulations
- Washington Health-Specific Insurance Regulations

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Washington Deluxe L&D Insurance Exam Prep Course

Course Description

Course Outline

Instructor Bio

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