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Insurance CE

learninsurance.com is a fully accredited provider of insurance continuing education courseware for Virginia. Because our training is entirely online and the lessons can be taken when you have time, our courses are perfect for today’s hectic schedules.

We offer comprehensive training to help you ramp up your insurance career in Virginia. Be sure to check with your state to make sure you’re meeting the requirements in Virginia prior to enrolling.

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Packages

If you purchase the Unlimited CE package, you can get all of the individually listed courses below for $39.95! (State filing fees will be added to the cart separately.)

Individual Courses below are offered for regular retail price if purchased separately.

Individual Courses

learninsurance.com is a fully accredited provider of mandatory insurance continuing education coursework for preparing for examination through the Virginia Insurance Department. Our courses are 100% online and include everything you need to fulfill your CE requirement to renew your Virginia Insurance License. Provider – 360training.com, Inc. #43918. We recommend you check your state’s requirements prior to enrolling.Please Note: General credit hours count for either property and casualty or life and health

Course Name
Credit Type
Course Delivery
Credit Hours
Price
QTY
  • Agency Operations

    Agency Operations

    Agency Operations

    The course is designed to encompass key issues in the business of agency operations. We will look at the various aspects of risk management, and outline the workings of the insurance markets as they exist today. To highlight the importance of procedural issues, the course also focuses on issues of errors and omissions, and links to various aspects of the agency business.

    Credit Hours: 2.0
    Price: $30.00
    No. of Users:
    The course is designed to encompass key issues in the business of agency operations. We…
    Credit Type:
    online course
    Online Package
    Credit Hours: 2
    $30.00
    QTY.
  • Annuities

    Annuities

    Annuities

    This course introduces the topic of annuities. Annuities are insurance products that rely on mortality and investment experience to protect against the loss of income. They differ from life insurance because life insurance is designed for the protection of an individual’s family or estate after their death, whereas annuities are designed to protect investors against outliving their income and superannuation. Annuities have the basic function of systematically liquidating specific sums of money over a specified period of time. In this course we will learn about different types of annuities, the benefits of each kind, and the many rules associated with their liquidation.

    Credit Hours: 0.0
    Price: $25.00  $15
    No. of Users:
    This course introduces the topic of annuities. Annuities are insurance products that rely on mortality…
    Credit Type:
    online course
    Online Package
    Credit Hours: 0.0
    $25.00 $15
    QTY.
  • Anti-Money Laundering for Insurance Professionals  VA - (General)

    Anti-Money Laundering for Insurance Professionals VA – (General)

    Anti-Money Laundering for Insurance Professionals VA – (General)

    Money laundering plays a fundamental role in facilitating the ambitions of the drug trafficker, the terrorist, the organized criminal, the insider dealer, and the tax evader, as well as the many others who need to avoid the kind of attention from the authorities that sudden wealth from illegal activities brings. By engaging in this type of activity, criminals hope that their proceeds will be beyond the reach of asset forfeiture laws. Financial institutions such as insurance companies are at the forefront of the battle against the money launderers. Under current legislation, insurance companies are responsible for policing their financial dealings and reporting any suspicious transactions. This course will dwell upon the new regulatory environment of the insurance industry vis a vis money laundering, specifically the USA Patriot Act 2001. The course aims to highlight the key aspects of the USA Patriot Act namely, the Suspicious Activities Report (SAR) and the Know Your Customer provision (KYC).

    Credit Hours: 2.0
    Price: $60.00
    No. of Users:
    Money laundering plays a fundamental role in facilitating the ambitions of the drug trafficker, the…
    Credit Type:
    online course
    Online Package
    Credit Hours: 2
    $60.00
    QTY.
  • Commercial General Liability Insurance  VA - (PC)

    Commercial General Liability Insurance VA – (PC)

    Commercial General Liability Insurance VA – (PC)

    The peril of liability is one of the most severe risks facing any organization today. Operating an organization without liability insurance puts owners at risk. Learning about liability insurance is a great way to prolong the life of your organization! This course covers broad issues of liability insurance and Workers’ Compensation.

    Credit Hours: 2.0
    Price: $15.00
    No. of Users:
    The peril of liability is one of the most severe risks facing any organization today….
    Credit Type:
    online course
    Online Package
    Credit Hours: 2
    $15.00
    QTY.
  • Employer Practices (2 Laws and Regulations, 2 General Credit)

    Employer Practices (2 Laws and Regulations, 2 General Credit)

    Employer Practices (2 Laws and Regulations, 2 General Credit)

    The impact of Employer Practices for the insurance industry has become increasingly subject to legal constraints. An expanding series of laws regulate almost every facet of the employer-employee relationship. The laws deal with employee recruitment, testing, wages, benefits, nondiscrimination, occupational safety and health, workers compensation, wrongful discharge, unemployment insurance, pensions and other matters. Employers in the insurance industry must have knowledge of the law to avoid pitfalls. Employees in the insurance industry must also have knowledge of the law s- they can defend themselves when employers act illegally or when they feel their rights have been violated. Although the study of Employer Practices is worthy of several volumes, this course will provide a general overview of the more common employer practice issues confronting the insurance industry. to set the stage a brief overview is given of the industry and its employment of agents and brokers, who will be taking this course. This is followed by a history of the employer-employee relationship. In chapter one the laws are placed on a time line providing a rationale for why these prohibitions and rights were created. With this information as the foundation, the laws are outlined and employer practices, from pre-hiring to postotermination, are reviewed. This overview provides some practical applications to the law. Suggestions are made as to some dos and donts that should be considered.

    Credit Hours: 4.0
    Price: $40.00
    No. of Users:
    The impact of Employer Practices for the insurance industry has become increasingly subject to legal…
    Credit Type:
    online course
    Online Package
    Credit Hours: 4
    $30.00
    QTY.
  • This course covers broad issues on Employment and Labor laws as it applies to Insurance…
    Credit Type:
    online course
    Online Package
    Credit Hours: 6
    $25.00
    QTY.
  • Ethics and Fraud (Ethics Credit)

    Ethics and Fraud (Ethics Credit)

    Ethics and Fraud (Ethics Credit)

    According to the Washington, DC-based Coalition / Against Insurance Fraud (CAIF) for the insurance industry, and for the public as well, insurance fraud costs $85 billion per year. With such substantial damage, it is no wonder that the industry is making significant efforts to battle this cancer. The industry has decided that increasing public awareness of fraud is its main course of action. The coalition strongly believes that public attitudes are crucial to curtailing fraud. There are no easy solutions to the problems of insurance fraud. Consumers, legislators, regulators, and insurers must work together over the long term to create an environment that either prevents insurance fraud or detects it easily when it occurs. The first step in this process is creating a baseline understanding of the problem and potential solutions .

    Credit Hours: 4.0
    Price: $30.00  $25
    No. of Users:
    According to the Washington, DC-based Coalition / Against Insurance Fraud (CAIF) for the insurance industry,…
    Credit Type:
    online course
    Online Package
    Credit Hours: 4
    $30.00 $25
    QTY.
  • Ethics for Insurance Professionals Advanced (General Credit)

    Ethics for Insurance Professionals Advanced (General Credit)

    Ethics for Insurance Professionals Advanced (General Credit)

    In this course we do not intend to create a complex, philosophical, intellectual debate on current ethical considerations. Rather, we will present a practical discussion of business ethics with specific examples taken from the insurance industry. The course addresses the complexities of ethical decision making in today’s insurance environment. It suggests ways for insurance producers to establish ethics in the work place and thereby take a step toward reducing the possibility of questionable practices and wrongdoing.

    Credit Hours: 4.0
    Price: $53.00
    No. of Users:
    In this course we do not intend to create a complex, philosophical, intellectual debate on…
    Credit Type:
    online course
    Online Package
    Credit Hours: 4
    $53.00
    QTY.
  • Ethics for Insurance Professionals Basic (General Credit)

    Ethics for Insurance Professionals Basic (General Credit)

    Ethics for Insurance Professionals Basic (General Credit)

    This course covers the basic concept of ethics with a detailed definition and what it entails. We will discuss the role of ethics in our personal as well as professional lives and the challenges faced. We will also discuss the core ethical values and how rationalization is used as a common tool. Finally, we will talk about the framework of ethical decisionomaking and conclude with a brief discourse on ethics and conflict of interests.

    Credit Hours: 1.0
    Price: $12.00
    No. of Users:
    This course covers the basic concept of ethics with a detailed definition and what it…
    Credit Type:
    online course
    Online Package
    Credit Hours: 1
    $12.00
    QTY.
  • Flood Insurance (Property and Casualty Credit)

    Flood Insurance (Property and Casualty Credit)

    Flood Insurance (Property and Casualty Credit)

    This course explains the essentials of flood insurance based on the standards set by the Federal Emergency Management Agency. It opens with the background and features of the National Flood Insurance Program, along with a discussion of who needs flood insurance. It then explains flood maps, zone determinations and available products and policies.The general rules and rating process for flood insurance are discussed in detail , along with the claims handling process and the requirements of the Flood Insurance Reform Act of 2004. Last, agents Understand the flood resources available to them. This course provides helpful guidelines for agents who wish to sell flood policies.

    Credit Hours: 3.0
    Price: $40.00  $25
    No. of Users:
    This course explains the essentials of flood insurance based on the standards set by the…
    Credit Type:
    online course
    Online Package
    Credit Hours: 3
    $40.00 $25
    QTY.
  • Homeowners and Dwelling Insurance (Property and Casualty Credit)

    Homeowners and Dwelling Insurance (Property and Casualty Credit)

    Homeowners and Dwelling Insurance (Property and Casualty Credit)

    This course was developed to provide licensed insurance personnel to renew their continuing education requirements as well as professional development. The basics of homeowners insurance are discussed in detail. Multiple practice questions are provided to test the student grasp of homeowners insurance.

    Credit Hours: 4.0
    Price: $30.00  $25
    No. of Users:
    This course was developed to provide licensed insurance personnel to renew their continuing education requirem…
    Credit Type:
    online course
    Online Package
    Credit Hours: 4
    $30.00 $25
    QTY.
  • Identity Theft VA - (General)

    Identity Theft VA – (General)

    Identity Theft VA – (General)

    This course provides an introduction to Identity Theft, including topics that range in scope from basic definitions and concepts to how Identity Theft compares to other forms of insurance. The student will learn how victims of Identity Theft become such, how one can avoid becoming a victim, and, ultimately, how Identity Theft affects businesses. This course also explains in plain language how identity thieves go about their search for victims and how Identity Theft applies to the basic insurance concepts of Risk Management and Personal Lines of insurance.

    Credit Hours: 4.0
    Price: $5.00
    No. of Users:
    This course provides an introduction to Identity Theft, including topics that range in scope from…
    Credit Type:
    online course
    Online Package
    Credit Hours: 4
    $5.00
    QTY.
  • Individual Retirement Accounts VA - (LH)

    Individual Retirement Accounts VA – (LH)

    Individual Retirement Accounts VA – (LH)

    Individual Retirement Accounts examines the rules governing traditional and Roth IRAs, Education IRAs (now called Coverdell Education Savings Accounts), simplified employee pensions and SIMPLEs. With respect to traditional IRAs, the course considers the issues of eligibility, contribution limits and investment vehicles. Tax treatment of traditional IRA funds is discussed, including the treatment of contributions, accumulations, transfers and distributions. The premature distribution penalties and its exceptions are addressed. Roth IRAs, created by TRA’97, are discussed, including eligibility, contribution limits and distributions. Conversions from traditional to Roth IRAs are examined and the tax consequences discussed. The increased limits authorized by the Economic Growth and Tax Relief Reconciliation Act of 2001 are addressed and the Age 50+ catchoup provisions are explained.

    Credit Hours: 4.0
    Price: $20.00
    No. of Users:
    Individual Retirement Accounts examines the rules governing traditional and Roth IRAs, Education IRAs (now cal…
    Credit Type:
    online course
    Online Package
    Credit Hours: 4
    $20.00
    QTY.
  • Insurance Fraud Awareness (Property and Casualty Credit)

    Insurance Fraud Awareness (Property and Casualty Credit)

    Insurance Fraud Awareness (Property and Casualty Credit)

    The insurance industry in the United States consists of more than 5,000 companies with over $1.8 trillion in assets. The insurance industry is one of the largest and most interdependent of the United States industries, making it a critical U.S. industry. Insurance fraud has become one of the most prevalent and costly white-collar crimes. According to a published study by the Coalition Against Insurance Fraud (CAIF), fraud is among the most prominent cost components escalating the costs of insurance. The CAIF has estimated the annual loss figures relative to insurance fraud (non health insurance) to be approximately $26 billion. F raud is costing companies, businesses, and individuals, who pay higher insurance premiums. Identifying, targeting, and dismantling those individuals, organized groups, and con artists committing fraud against the insurance industry will accomplish reducing the amount of economic loss to the insurance industry due to fraud. This course provides an overview of insurance fraud, which will provide the student with an understanding of the nature, costs, results and methods of preventing insurance fraud. The ultimate goal of this course is to increase awareness of insurance fraud and demonstrate the importance of preventing insurance fraud. Topics covered include: Ethics, Fraud Detection and Prevention, Patterns and Indicators of Fraudulent Claims, Legal Issues, and Consumer Protection.

    Credit Hours: 5.0
    Price: $30.00
    No. of Users:
    The insurance industry in the United States consists of more than 5,000 companies with over…
    Credit Type:
    online course
    Online Package
    Credit Hours: 5
    $25.00
    QTY.
  • Introduction to Property and Casualty and the Insurance Contract  VA - (PC)

    Introduction to Property and Casualty and the Insurance Contract VA – (PC)

    Introduction to Property and Casualty and the Insurance Contract VA – (PC)

    This course will introduce you to the basic principles of insurance, including the concept of risk, the different types of risk, and techniques in managing risk. It will introduce you to several basic elements and terms used in the insurance industry. The course will focus on explaining the insurance contract by introducing and reviewing its various parts, including: the elements, characteristics, and parts of a contract, as well as various policy organizations. It will also lesson focus on the insurance transaction. The transaction includes such things as the application process, how the policy is selected, underwritten, and rated. This section will also review some of the legal requirements of applicants and the insurance company, with respect to the insurance transaction.

    Credit Hours: 6.0
    Price: $20.00
    No. of Users:
    This course will introduce you to the basic principles of insurance, including the concept of…
    Credit Type:
    online course
    Online Package
    Credit Hours: 6
    $20.00
    QTY.
  • Legal Responsibilities of the Insurance Agent (2 Laws and Regulations, 6 General Credit)

    Legal Responsibilities of the Insurance Agent (2 Laws and Regulations, 6 General Credit)

    Legal responsibilities are fundamental. An insurance agent walks a difficult line with legal responsibilities to both an insurance company and a client. When the agent does not live up to these responsibilities, there is the threat of being sued. Periodically, every agent should review the legal responsibilities of an agent in modern society. An insurance agents social, ethical and professional responsibilities may be optional; but legal responsibilities are not. Legal responsibilities are the minimum amount that is required of every agent. If he does not live up to his legal responsibilities, he will end up out of business and maybe even behind bars. Because legal responsibilities are determined by common law, statute, and case law, they are evolving. An agent must remain current, making adjustments for trends and refinements. The purpose of this course is to provide the student with a knowledge and understanding of these legal responsibilities and insurance principles. Topics include: Principles of Insurance, Characteristics of Legal Responsibilities, Illegal Acts of an Insurance Agent, Ethics in the Insurance Agency, and Legal Issues in Insurance Fraud.

    Credit Hours: 8.0
    Price: $40.00  $20
    No. of Users:
    Legal responsibilities are fundamental. An insurance agent walks a difficult line with legal responsibilities …
    Credit Type:
    online course
    Online Package
    Credit Hours: 8
    $40.00 $20
    QTY.
  • Legal and Moral Issues in the Insurance Industry (1 Laws and Regulations, 4 General Credit)

    Legal and Moral Issues in the Insurance Industry (1 Laws and Regulations, 4 General Credit)

    Our industry is being besieged by matters of compliance. This is especially true in the areas of life insurance and securities. Some may privately express the view that compliance is an impediment to doing business and doing it successfully. But isnt the question really: should shortoterm gains take priority over Long Term client relationships? At first sight, it seems that career agents for the major companies are most affected by strict compliance regulations. While, independent insurance agents and those not closely associated with a major insurer are untouched by compliance requirements. Compliance enforcement and oversight may be more difficult, as those who supervise agents activities may be further removed in time and place from the sales process. The intention of this course is to refocus you on compliant and ethical professional behavior. If you always concentrate on a clients needs and place them above your own, compliance should not be an obstacle in your practice. Putting the client first seems a simple concept, but sometimes it is difficult to implement. Topics covered include: Compliance, Ethics and Professionalism , Our Working Legal Framework, Communication and the Sales Process, Common Compliance Problems, Ethics and Compliance in Practice.

    Credit Hours: 5.0
    Price: $30.00
    No. of Users:
    Our industry is being besieged by matters of compliance. This is especially true in the…
    Credit Type:
    online course
    Online Package
    Credit Hours: 5
    $25.00
    QTY.
  • Life Settlements (Life and Health Credit)

    Life Settlements (Life and Health Credit)

    Life Settlements (Life and Health Credit)

    This course covers a broad range of issues related to life insurance settlements s- students learn ways to help clients through this sometimes complicated process. As the student completes this course, he or she should try to develop a broad picture of life insurance settlements and how they fit into the larger practice of life insurance.

    Credit Hours: 1.0
    Price: $5.00
    No. of Users:
    This course covers a broad range of issues related to life insurance settlements s- students…
    Credit Type:
    online course
    Online Package
    Credit Hours: 1
    $5.00
    QTY.
  • Life, Health, Disability and Long Term Care  VA - (LH)

    Life, Health, Disability and Long Term Care VA – (LH)

    Life, Health, Disability and Long Term Care VA – (LH)

    This course provides an overview to the insurance students about four main types of insurance policies. The four policies Life, Health, Long Term Care and Disability Insurance are the most widely selling policies in the insurance industry. This course contains some valuable information about the principles of life, health, disability and long term care insurance policies, some important related definitions, needs for the purchase of different kinds of insurance policies, application process for applying these kinds of insurance, their after effects and different sub forms of these insurance policies.

    Credit Hours: 5.0
    Price: $35.00
    No. of Users:
    This course provides an overview to the insurance students about four main types of insurance…
    Credit Type:
    online course
    Online Package
    Credit Hours: 5
    $35.00
    QTY.
  • Long Term Care Fundamentals VA - (LH)

    Long Term Care Fundamentals VA – (LH)

    Long Term Care Fundamentals VA – (LH)

    This Long Term Care course was designed, constructed and written to provide students with comprehensive continuing education in the area of Long Term Care and Long Term Care Insurance while also satisfying many state’s special required LTC training. The harsh realities of aging in America are coming into sharp focus Baby Boomers approach retirement and the longer term health issues that come with prolonged life and increased longevity. Consumers cannot rely on Medicare, Medicare supplementary insurance, or health insurance to help them meet Long Term care costs. These do not cover most Long Term care expenses.The subject matter includes LTC Landscape, LTC Basics, LTC Providers and Services, Paying for LTC, Regulations and LTC, Definitions, Federal and State LTC Insurance benefit ‘Triggers’, Premium and Benefit Taxation, LTC Insurance Policy provisions, Home Care issues, Company stability, Consumer Protection, Alternatives to LTC Insurance, and the basics of LTC Partnerships.The NAIC Long Term Care Insurance Model Act and the NAIC Long Term Care Insurance Model Regulation sections are all included within this course as well as a significant amount of LTC material beyond the fundamentals included in the models and regulations.The Long Term Care course is a continuing education course to enhance the professional competence of financial and insurance professionals aspiring to make Long Term Care insurance a cornerstone of their personal mission, as well as to fulfill their commitment to their clients to stay up to date on key areas that affect them and their families.

    Credit Hours: 6.0
    Price: $36.00
    No. of Users:
    This Long Term Care course was designed, constructed and written to provide students with comprehensive…
    Credit Type:
    online course
    Online Package
    Credit Hours: 6
    $36.00
    QTY.
  • Medicare (Life and Health Credit)

    Medicare (Life and Health Credit)

    Medicare (Life and Health Credit)

    This course will introduce basic concepts for understanding Medicare coverage in its tw- parts: hospital insurance and medical insurance. A brief history of the program and a discussion of the role of private insurance companies is followed by eligibility requirements, exclusions, and claims payments. Peer Review Organizations and Service Provider Certification are also discussed.

    Credit Hours: 1.0
    Price: $35.00
    No. of Users:
    This course will introduce basic concepts for understanding Medicare coverage in its tw- parts: hospital…
    Credit Type:
    online course
    Online Package
    Credit Hours: 1
    $15.00
    QTY.
  • As a new employee to the insurance industry you may find yourself overwhelmed with understanding…
    Credit Type:
    online course
    Online Package
    Credit Hours: 3
    $25.00
    QTY.
  • Personal Life Insurance (Life and Health Credit)

    Personal Life Insurance (Life and Health Credit)

    Personal Life Insurance (Life and Health Credit)

    Students learn the type of client data needed and how to build client rapport and create trust. The various lump-sum cash needs at the death of a breadwinner are identified, and guidelines are provided that enable students to recommend life insurance in amounts that fully protect their clients. The surviving familys income needs are examined, and the students learn how to calculate adequate survivor income and the life insurance needed to provide that income. Social Security survivor benefits are discussed, including the Childs benefit, the Mothers or Fathers benefit, and Widows and Widowers benefit.

    Credit Hours: 3.0
    Price: $57.5.00
    No. of Users:
    Students learn the type of client data needed and how to build client rapport and…
    Credit Type:
    online course
    Online Package
    Credit Hours: 3
    $20.00
    QTY.
  • Principles of Insurance (General Credit)

    Principles of Insurance (General Credit)

    Principles of Insurance (General Credit)

    This course provides a general overview of insurance principles. It begins by defining frequently used terms in the industry. As the course develops, it illustrates the insurance process and the need for insurance. It expands to guide the student through the various mechanics, the types of insurance products available, and its applicability in different situations while illustrating with examples wherever possible.

    Credit Hours: 17.0
    Price: $60.00  $52
    No. of Users:
    This course provides a general overview of insurance principles. It begins by defining frequently used…
    Credit Type:
    online course
    Online Package
    Credit Hours: 17
    $60.00 $52
    QTY.
  • This course is designed to encompass key issues in property insurance. The main focus is…
    Credit Type:
    online course
    Online Package
    Credit Hours: 7
    $35.00
    QTY.
  • Terrorism and Insurance  VA - (General)

    Terrorism and Insurance VA – (General)

    Terrorism and Insurance VA – (General)

    This course will address how terrorism affects many areas of insurance including underwriting, health insurance, life insurance, property and casualty insurance, and workers compensation. Students will also learn the terminology associated with terrorism, different categories of terrorism, and the risk management and liability issues that arise therein. Finally, this course will cover the Terrorism Insurance Act (TRIA) and discuss other onogoing issues concerning terrorism that are still being discussed, as this is a still-developing topic in the world of insurance.

    Credit Hours: 4.0
    Price: $49.95
    No. of Users:
    This course will address how terrorism affects many areas of insurance including underwriting, health insuranc…
    Credit Type:
    online course
    Online Package
    Credit Hours: 4
    $49.95
    QTY.
  • The Six Parts of the Personal Auto Insurance Policy (Property and Casualty Credit)

    The Six Parts of the Personal Auto Insurance Policy (Property and Casualty Credit)

    Perhaps the most important aspect of any insurance policy (for both the consumer and the insurer) is the coverage extended under that policy. Personal auto insurance is no exception, and a firm understanding of all parts of the policy is vital for any property agent. This course presents each part (A, B, C, D, E, and F) of the personal auto policy one at a time, examining the general provisions and conditions stipulated in each. In addition to the basic issue of what is covered, the course takes the opportunity to explain other points, such as who is covered and what is explicitly NOT covered.

    Credit Hours: 2.0
    Price: $5.00
    No. of Users:
    Perhaps the most important aspect of any insurance policy (for both the consumer and the…
    Credit Type:
    online course
    Online Package
    Credit Hours: 2
    $5.00
    QTY.
  • Universal Life Insurance (Life and Health Credit)

    Universal Life Insurance (Life and Health Credit)

    Universal Life Insurance (Life and Health Credit)

    Universal Life Insurance begins with an examination of the financial and political environment in the decade of the 1970s that gave rise to the conditions resulting in the development of the universal life insurance product. The student will understand the roles played by extraordinarily high interest rates that gave rise to disintermediation and a Federal Trade Commission report that was critical of whole life insurance in the decline of whole life insurance sales. The key features of the universal life insurance product are examined, including its:Flexible premiumsAdjustable coverageExpense and mortality chargesDeath benefit options and their relationship to the policys amount at risk When the policy features have been discussed, the student is given an opportunity to see how the universal life insurance policy works and is introduced to the various interest rates that play a part in universal life insurance, including the guaranteed crediting rates, current crediting rates and assumed rates (for illustration purposes). Policy cash values are calculated for both Option A and Option B death benefits.Cash value access and taxation are considered, and the appropriateness of withdrawals and policy loans are discussed in reference to the policyowners intent to repay. Universal life insurance taxation, following TRA 84 is examined, and the limitations imposed by the legislation are considered, including the cash value accumulation test and the guideline premium/corridor test. Variable and equity indexed universal life insurance products are discussed, and their differences from declared rate UL products are examined.

    Credit Hours: 4.0
    Price: $25.00
    No. of Users:
    Universal Life Insurance begins with an examination of the financial and political environment in the…
    Credit Type:
    online course
    Online Package
    Credit Hours: 4
    $20.00
    QTY.
  • Variable Universal Life Insurance (Life and Health Credit)

    Variable Universal Life Insurance (Life and Health Credit)

    Variable Universal Life Insurance (Life and Health Credit)

    Variable Universal Life (VUL) Insurance begins with an examination of the financial and political environment in the decade of the 1970s that gave rise to the conditions resulting in the development of the universal life insurance product. The student will understand the roles played by extraordinarily high interest rates that gave rise to disintermediation and a Federal Trade Commission report that was critical of whole life insurance in the decline of whole life insurance sales. Fixed premium variable life insurance is considered, principally in its role as a precursor and foundation for the VUL product.
    The key features of all universal life insurance products, including VUL, are examined, including their:
    - Flexible premiums
    - Adjustable coverage
    - Expense and mortality charges
    - Death benefit options and their relationship to the policy’s amount at risk
    Cash value access and taxation are considered, and the appropriateness of withdrawals and policy loans are discussed in reference to the policy owner’s intent to repay. Variable universal life suitability is examined, and students are provided with decisional factors to consider in making any suitability analysis.

    Credit Hours: 3.0
    Price: $15.00
    No. of Users:
    Variable Universal Life (VUL) Insurance begins with an examination of the financial and political environment…
    Credit Type:
    online course
    Online Package
    Credit Hours: 3
    $10.00
    QTY.
  • Virginia Laws and Regulations for Insurance Agents (Laws & Regulations credit)

    Virginia Laws and Regulations for Insurance Agents (Laws & Regulations credit)

    Virginia Laws and Regulations for Insurance Agents (Laws & Regulations credit)

    Laws and Regulations for Virginia Insurance Agents contains an overview of regulation responsibilities of the federal and state governments with a concentration on the The Virginia Code, Title 38.2 !! Insurance.While the complete Virginia Code, Title 38.2 !! Insurance is important , our course summarizes and abbreviates the information to accommodate busy professionals who find it difficult to set aside time for classroom instruction while providing sufficient principles to be useful. Laws and Regulations for Virginia Insurance Agents examines and explains regulations on both the federal and state level that concern the insurance industry in Virginia. The course begins with a list of definitions that are used throughout The Code and the course. This is followed by basic Life and Annuity Principles. Next the course surveys the legal environment of compliance and ethics and the roles played by both the federal and state governments. After this is a discussion of rules and penalties concerning insurance agents behavior and rules for taking applications and accepting payments. Next is described the power of The Commission to investigate the affairs of those engaged in the insurance business and penalties for refusal to permit investigation. Toward the end of the course are listed considerations with attaining and maintaining an insurance license.

    Credit Hours: 2.0
    Price: $20.00
    No. of Users:
    Laws and Regulations for Virginia Insurance Agents contains an overview of regulation responsibilities of the…
    Credit Type:
    online course
    Online Package
    Credit Hours: 2
    $20.00
    QTY.

* Indicates course duration. This course is not for credit hours.

P&C = Property and Casualty,
FLD = Property and Casualty (FLOOD),
L&H = Life and Health,
LTC = Life and Health (LONG TERM CARE),
LTCP = Life and Health (LONG TERM CARE PARTNERSHIP),
OGI = Other General Insurance,
ILR = Insurance Laws and Regulations

State Requirements

Continuing Education Hours
All life/health or property/casualty producers are required to complete 16 hours of continuing education (CE), including two hours of Virginia laws/rules, every two years. All life/health and property/casualty producers are required to complete 24 hours of CE, including two hours of Virginia laws/rules, every two years.

Course Subject Requirements
Only 75% of all credits can be taken through company or agency sponsored courses. Credit hours must cover lines in which licensed.

Additional Training Requirements

  • NFIP Flood: All producers who sell flood training products must complete a one-time three-hour National Flood Insurance Program (NFIP) flood training course.
  • LTC/P: All producers who wish to sell, solicit, or negotiate long-term care products must complete a one-time eight-hour long-term care training course, followed by four hours of ongoing training every two years, thereafter.

Carryover Requirements
Producers are allowed to carryover credits only to the next compliance period.

Course Repetition
Producers are not allowed to repeat courses within the same compliance period.

License Renewal Date
Producers must renew their license by December 31, every even-numbered years.

Continuing Education Compliance Date
Producers must comply with the continuing education by December 31, every even-numbered years.

Exemptions
Military Exemption: Agents who are military reservists called to active duty for more than 30 days may be eligible for a waiver for all or a part of their CE requirement.

Contact Information
Virginia Bureau of Insurance
1300 East Main Street Richmond, Virginia 23219
Website: http://scc.virginia.gov/boi/pro/index.aspx