Washington L&D Insurance Pre-License Course

$107.00

40 Hour Course

Course Description
Course Outline

Our 40 hour package is approved by the State of Washington to meet the Mandatory Pre-License Education Requirement for the Life & Disability Insurance lines. A minimum of 20 hours is required for the Life Insurance course and 20 hours for the Disability Insurance course. Our course is specifically designed to help you prepare for the state exam to get your insurance license.

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. After a midpoint quiz to help you test your comprehension, 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. Last, we'll discuss the federal and state insurance regulations you need to know!

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

General Insurance

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)

Life Insurance

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: Whole Life Insurance
- 05. Individual Policies in Detail: Term Life Insurance
- 06. Flexible Policies and Specialized Policies (Video)
- 07. Individual Policies in Detail: Flexible Policies
- 08. Individual Policies in Detail: Specialized Policies
- View Additional Activities
  - 09. Individual Policies in Detail: Endowment Policies and Worksite Plans
  - 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: 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)

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)

Fundamental Concepts [8 Activities]
- 01. Introduction (Video)
- 02. Uses of Life Insurance (Video)
- 03. Uses for Life Insurance: Personal and Business Uses of Life Insurance
- 04. Uses for Life Insurance: Determining Amount of Personal Life Insurance
- 05. Aspects of Life Insurance
- 06. Individual Underwriting by the Insurer (Video)
- 07. Individual Underwriting by the Insurer
- 08. Conclusion (Video)

Producer Responsibilities in Marketing [9 Activities]
- 01. Introduction (Video)
- 02. Solicitation and Sales Presentations
- 03. Suitability
- 04. Life Insurance Policy Comparison Methods (Video)
- 05. Life Insurance Policy Cost Comparison Methods
- 06. Replacement
- 07. Use and Disclosure of Insurance Information
- 08. Military Sales
- 09. Conclusion (Video)

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)

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)

Midpoint Quiz

Midpoint Quiz (70 questions)

Health Insurance

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)

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)

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 5
  - 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. 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)

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)

Washington Insurance Regulations

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. 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. Terms and Concepts (Video)
- View Additional Activities
  - 09. General Washington Insurance Regulations - Part 7
  - 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. Marketing Practices (Video)
  - 30. General Washington Insurance Regulations - Part 26
  - 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. Conclusion (Video)

Washington Life-Specific Insurance Regulations [13 Activities]
- 01. Introduction (Video)
- 02. In General
- 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)

Washington Health-Specific Insurance Regulations [23 Activities]
- 01. Introduction (Video)
- 02. In General
- 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. 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 (Video)
  - 15. Health Insurance Reform
  - 16. Health Insurance Reform Part 2
  - 17. Policy Clauses, Exclusions, and Provisions (Video)
  - 18. Policy Clauses, Exclusions, and Provisions
  - 19. Health Care Services and Health Maintenance Organizations (Video)
  - 20. Health Care Services and Health Maintenance Organizations (HMOs)
  - 21. Health Care Services and Health Maintenance Organizations (HMOs) Part 2
  - 22. Health Care Services and Health Maintenance Organizations (HMOs) Part 3
  - 23. Conclusions (Video)

Endpoint Quiz

Endpoint quiz (70 questions)

Final Test

Life Insurance Final Test (100 questions)

Disability (Health) Final Test (100 questions)

Certificate of Achievement

Mandatory Questionnaire

Certificate of Completion - Life

Certificate of Completion - Disability

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.

Washington L&D Insurance Pre-License Course

Course Description

Course Outline

Instructor Bio