Comprehensive Family Insurance Planning
Instructor
UIE Phone
(253) 846-1155 Email
mail@uiece.com |
Course Overview
Comprehensive Family Insurance Planning is completely devoted to helping the life & health agent gain a better understanding of the needs of a growing family. This includes life insurance, health insurance, disability insurance, long-term care insurance, retirement planning, college planning, pet insurance and the last chapter on ethics. The text goes into detail about all the types of life insurance, like term cash value and whole life policies. Health insurance covers HMOs, PPOs, group insurance as well as individual insurance. The chapter on health insurance also covers provisions and riders important to prospective policyholders. These provisions and riders include a description of the 12 mandatory and 11 optional, plus others. The disability chapter covers the riders available like the COLA, Return of Premium and the Social Security riders.
The objective of this course is to help the agent think of things they may not already be aware of. |
|
Chapter |
Subject |
Description |
|
Chapter 1 |
Life Insurance |
Term, Whole Life, Universal Life |
|
Chapter 2 |
Health Insurance |
Medicare, AHCA |
|
Chapter 3 |
Disability Insurance |
Degrees of disability, riders, SSDI, SSI |
|
Chapter 4 |
Pet Insurance |
NAIC Model Law |
|
Chapter 5 |
Planning for Retirement |
The chapter is quite extensive, covering portions on annuities, living trusts, wills, probate and how these affect families as well as choosing guardians for the children. The chapter also covers long-term care products. |
|
Chapter 6 |
Paying for College |
Focuses attention on planning for and funding a college education for the family's children. It covers the insurance products available to meet these needs. |
|
Chapter 7 |
Integrating Insurance with Financial Planning |
Life insurance & wills, trusts, the estate. |
|
Chapter 8 |
Insurance Ethics |
The ethics chapter touches on best interest requirements but highlights that not just life health agents need to practice best interest requirements. The chapter looks at SEC’s best interest requirements how they compare to the NAIC’s best interest requirements. |
None.