Texas Insurance Continuing Education - Kaplan Financial Education

Course Catalog

Texas Insurance Continuing EducationOctober–December 2013

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Stay Connected From important regulation updates and product releases to student

testimonials and product demos, Kaplan keeps you connected!

Page 4• Commercial Property Coverage: A Building Block in

Commercial Insurance

• Estate Planning Techniques: Understanding Trusts, Buy-Sell Agreements, and Special Planning Considerations

• NEW! Ethics for Insurance Professionals: A Practical Guide

Page 5• Medicare and Medicare Supplements: Closing the Coverage Gap

• Planning for the Inevitable: Death and Taxes

• Recognizing the Signs of Insurance Fraud

• NEW! Regulation and Ethics in the Insurance Industry

Page 6• Retirement Planning Strategies

• Social Security: Now…and the Future?

• Suitability: Matching the Product to the Need

Page 7• The Auto Policy Uncovered

• The Ins and Outs of Group Insurance

• Understanding Disability Income Insurance

• What’s in a Homeowner’s Policy?

Call toll-free: 800.428.4210 | www.kfeducation.com2

Residential RequirementsAll Texas resident licensees (producers and adjusters) must complete 30 hours of CE every 2-year reporting period, including 2 hours of ethics. At least half (15 hrs) of the CE hours must be completed in a classroom setting or with classroom equivalent courses. Courses are no longer divided by license type; therefore, they may be taken in either General and/or Ethics/CP.

This state has issued a notice reminding licensees who sell flood insurance of their requirement to comply with the minimum training requirements established by FEMA and the National Flood Insurance Program.

Long-Term Care TrainingBefore selling long-term care (LTC) partnership policies in Texas, agents must hold a current Life, Accident and Health license and shall have completed an 8-hour LTC partnership certification course. Licensed agents may count an LTC partnership certification course toward completion of their CE requirements.

In addition to the Long-Term Care (LTC) partnership certification course, in each reporting period following the reporting period in which a licensee completed the certification course, the licensee must also complete at least four hours of department-certified CE. These hours may be applied to the total CE requirement.

Reporting your CE HoursKaplan will gladly report your CE credit hours if you provide us with your license number and expiration date when you register.

Annuity TrainingAll agents wishing to sell, solicit, or negotiate an annuity contract or represent an insurer in relation to an annuity product must complete a one-time, four-hour certification training course prior to engaging.

Additionally, each resident agent must complete eight hours of continuing education that specifically relates to annuities during the agent’s two-year licensing period. A resident agent may use the one-time, four-hour certification training course to satisfy part of the eight-hour annuity continuing education required during the agent’s two-year licensing period.

Medicare TrainingAgents wishing to sell, solicit, or negotiate a contract for Medicare products in Texas are required to complete an eight-hour initial certification course (able to be used to satisfy general CE) prior to selling, soliciting, or negotiating a contract for a Medicare product.

Agents must complete four hours of continuing education that specifically relates to Medicare-related products during the agent’s two-year reporting period.

Important Insurance Continuing Education Requirements

Save Money with CE-Advantage™! See page 8 for more details.

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Courses


Commercial Property Coverage: A Building Block in Commercial InsuranceProperty damage, loss of income, and extra expenses: Today’s commercial property owner must be prepared to deal with these issues, and more, if property damage occurs. This introductory class reviews the standardized property and cause of loss forms, coverages, exclusions, and conditions. Specific applications will help students understand the types of property and time element losses that businesses face. Emphasis is placed on recognizing situations where coverage can be enhanced by using endorsements.

Oct 3 1:00 pm–5:00 pm Houston-Main

Oct 17 1:00 pm–5:00 pm San Antonio

Nov 14 1:00 pm–5:00 pm Dallas

Estate Planning Techniques: Understanding Trusts, Buy-Sell Agreements, and Special Planning ConsiderationsThis class covers several specialized estate planning techniques, and explains a wide range of strategies that can be used during life and after the decedent’s death to accomplish planning objectives. Topics covered include the characteristics of several types of trusts, including testamentary and living trusts and simple and complex trusts; the tax implications of placing property in a trust; how buy-sell agreements can facilitate the continuation of a business and create estate liquidity; and special planning considerations for married couples and people in nontraditional living arrangements.

Oct 4 8:00 am–12:00 pm Austin

Oct 24 1:00 pm–5:00 pm Arlington

Oct 31 8:00 am–12:00 pm Houston-Main

Nov 14 1:00 pm–5:00 pm Houston-North

Dec 13 1:00 pm–5:00 pm Dallas

Dec 20 8:00 am–12:00 pm San Antonio

Dec 20 8:00 am–12:00 pm Arlington

NEW! Ethics for Insurance Professionals: A Practical GuideThis class presents the concept of ethics, how it relates to the sales and service of insurance, and how ethics creates the foundation for personal and professional success. The class sets the foundation by examining ethics as a moral and legal force. It then previews the ethical responsibilities agents owe to their insurers, their policyowners, their states, and the general public. Practical issues such as the proper use of policy illustrations, replacement, and ethical sales presentations are also discussed.

Oct 17 9:00 am–12:00 pm Houston-North

Oct 17 9:00 am–12:00 pm San Antonio

Oct 24 9:00 am–12:00 pm Arlington

Nov 1 9:00 am–12:00 pm Houston-Main

Nov 14 9:00 am–12:00 pm Dallas

Credits: 4.0 | Tuition: $49



Courses Courses

5Call toll-free: 800.428.4210 | www.kfeducation.com

Medicare and Medicare Supplements: Closing the Coverage GapWith increased life expectancy, it’s likely that individuals will be enrolled in Medicare longer than expected. Yet Medicare has significant gaps in coverage that can put assets at risk. This class reviews Medicare Parts A-D, the coverage gaps, and Medicare supplements. The course discusses Medicare Select Plans, Medicare Advantage Plans, as well as the impact of the Affordable Care Act. Medicare riders and the use of HSAs are examined. Participants will leave with a better understanding of Medicare eligibility, the original Medicare Plan, what services are not covered by Medicare, and how to close the Medicare coverage gaps.

Oct 4 1:00 pm–5:00 pm Austin

Nov 14 1:00 pm–5:00 pm San Antonio

Nov 15 8:00 am–12:00 pm Houston-North

Nov 21 8:00 am–12:00 pm Arlington

Dec 12 1:00 pm–5:00 pm Dallas

Planning for the Inevitable: Death and TaxesThis class helps students understand asset valuation for estate tax purposes as well as marital, charitable, and other deductions from the gross estate. Students also learn about the nine types of charitable bequests and discover how to find estate tax credits.

Oct 17 1:00 pm–5:00 pm Houston-North

Recognizing the Signs of Insurance Fraud This class addresses the issue of fraud across the major lines of insurance, and helps students understand the impact of fraud and the role that they, as insurance professionals, can play in addressing it. Students learn both by examining general patterns and specific cases of insurance fraud.

Nov 15 1:00 pm–5:00 pm San Antonio

NEW! Regulation and Ethics in the Insurance IndustryEthics continues to play an important role in the insurance industry. This class covers the basics of industry regulation and the principles of ethical market conduct. It will review industry regulations and how those regulations affect insurance companies and producers. Also discussed are the ethical standards mandated by most states and federal regulations applicable to many agents. The course concludes by discussing agent responsibilities to the insurer.

Oct 3 9:00 am–12:00 pm Austin

Oct 3 9:00 am–12:00 pm Houston-Main

Oct 17 9:00 am–12:00 pm Dallas

Nov 14 9:00 am–12:00 pm San Antonio

Nov 14 9:00 am–12:00 pm Houston-North

Nov 22 9:00 am–12:00 pm Arlington




Retirement Planning Strategies Today’s retirement planning must address many dimensions and cover many needs: health care and health insurance; income and asset distribution; Social Security; and, unlike the retirement plans of years ago, continued wealth accumulation. Understand the financial concerns facing retirees, identify the products and services that would help meet those concerns, and review the ethics and market conduct requirements of serving the senior market. This class is critical as you help your clients manage their assets in retirement.

Nov 22 1:00 pm-5:00 pm Arlington

Dec 13 8:00 am-12:00 pm Houston-Main

Dec 13 8:00 am-12:00 pm Dallas

Dec 19 1:00 pm-5:00 pm San Antonio

Dec 20 1:00 pm-5:00 pm Houston-North

Dec 20 1:00 pm-5:00 pm Arlington

Social Security: Now...and the Future?According to studies and reports that measure the “boomers” preparedness for retirement, retirees over the next several years will depend heavily on the Social Security retirement benefit. As such, there will be increasing pressure on financial professionals to understand the retirement benefits provided by Social Security and integrate these benefits into clients’ retirement plans. This course will provide in-depth discussion of all Social Security benefits, will examine the implications of delaying retirement benefits or collecting early, and will discuss recent changes to the Medicare benefit system.

Oct 17 1:00 pm-5:00 pm Dallas

Oct 18 8:00 am-12:00 pm Houston-North

Nov 1 1:00 pm-5:00 pm Houston-Main

Nov 15 8:00 am-12:00 pm San Antonio

Dec 19 1:00 pm-5:00 pm Arlington

Dec 19 1:00 pm-5:00 pm Houston-North

Suitability: Matching the Product to the NeedSuitability has emerged as perhaps the most significant aspect of an insurance agent’s market conduct. The products and choices for today’s insurance consumers are many and varied, and selecting life insurance products demands more input from the consumer and more guidance from the advisor or agent. Learn how to evaluate the relationship between a product and a client’s needs; follow a thorough, organized process for determining product suitability; understand the important disclosures, on a product-by-product basis, that must be conveyed to prospects and clients; and appropriately apply insurance and annuity products to client needs.

Oct 18 8:00 am-12:00 pm Dallas

Oct 25 1:00 pm-5:00 pm Arlington

Nov 15 1:00 pm-5:00 pm Houston-North

Dec 13 1:00 pm-5:00 pm Houston-Main

Dec 20 1:00 pm-5:00 pm San Antonio


Courses




The Auto Policy Uncovered When a vehicle is damaged, it’s easy to obtain an estimate and know the repair cost. However, when a person is injured, the total medical costs can often be unknown. And if the insured negligently injures someone else, it could be years before the full extent of damages are determined. Walk through the details of an auto insurance policy based on the ISO form. In this class you’ll review key policy elements such as liability coverage, medical payments, uninsured/underinsured motorist provisions, coverage for direct physical damage, and key endorsements and provisions.

Oct 4 8:00 am-12:00 pm Houston-Main

Oct 18 8:00 am-12:00 pm San Antonio

Nov 15 1:00 pm-5:00 pm Dallas

The Ins and Outs of Group InsuranceThis course helps insurance agents understand how group insurance works, how group insurance and employee benefits serve both the employer and employees, and how group insurance interfaces with other sources of insurance protection. The course provides an overview of group life, health, disability, and long term care insurance, as well as a review of Section 125 plans. Also addressed is the manner in which group insurance interacts with workers’ compensation benefits, individual insurance coverages, Social Security benefits, and other group insurance coverage that may be carried by a spouse or domestic partner.

Oct 3 1:00 pm-5:00 pm Austin

Oct 18 1:00 pm-5:00 pm Dallas

Oct 18 1:00 pm-5:00 pm Houston-North

Oct 31 1:00 pm-5:00 pm Houston-Main

Nov 21 1:00 pm-5:00 pm Arlington

Dec 19 8:00 am-12:00 pm Houston-North

Understanding Disability Income InsuranceThe ability to earn an income is an individual’s most important asset, and lack of protection will affect an individual’s or family’s financial future. Day-to-day living expenses continue even when income stops.

Recognize the probabilities of disability, the potential losses resulting from a disability, and the need for disability income protection. Learn about other sources of disability income protection such as Social Security, group disability income protection, and salary continuation plans. The class also addresses business loss exposures and offsetting those exposures with disability income insurance.

Oct 25 8:00 am-12:00 pm Arlington

Dec 12 1:00 pm-5:00 pm Houston-Main

What’s in a Homeowners Policy?The homeowners policy insures more than just a house. Yet there are still limitations and exclusions that, if unknown to the policyholder, could result in a coverage gap. This class describes the details of the homeowners policy, including property and liability coverages and key endorsements. Since all homeowners policies are not created equal, differences among various policy forms are compared based on what perils they cover. The insured’s responsibilities at the time of loss and other information needed at the time of claim are also reviewed.

Oct 4 1:00 pm-5:00 pm Houston-Main

Oct 18 1:00 pm-5:00 pm San Antonio

Nov 15 8:00 am-12:00 pm Dallas

Courses

Courses





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Other CE Offers

Save Money with CE-Advantage™ By paying for 15 or more credit hours before you attend your

first live class, you receive the CE-Advantage savings*!

With CE-Advantage, you can select up to 15 CE credits in any combination of half-day and full-day live classes and receive 10% off! Fulfill your CE requirements quickly!

To use CE-Advantage, you must purchase your credits before attending classes or you will be charged the regular tuition listed in the catalog. All CE-Advantage courses must be completed within one year from date of purchase. There is no refund for unused credits.

*Offer expires 12/31/13.

800.428.4210 | Discount Code: CETX15

Adjuster Continuing Education Stay one step ahead of your state’s Adjuster CE requirements with Kaplan’s Total Access CE. This complete library of online courses

will satisfy your Adjuster CE requirement for only $59!

• Access to 40+ courses authored by industry experts

• Easy navigation

• 365 days of unlimited access

• CE Credit Tracker

• Ability to retake exams as often as needed

• Immediate results with instant exam scoring

• Your credit hours reported to the DOI (where applicable)

Total Access CE for Adjusters features:

“ Kaplan is the leader in continuing education classes in my opinion.

I have been an accident & health/life insurance producer since 1998

and always turn to Kaplan when it’s time to renew my license.” –M. Johnson, Manager,

Reinsurance Administration


Classroom Locations

ARLINGTON Kaplan Professional Schools

1900 Ballpark Way, #106 Arlington, TX 76006

AUSTIN Norris Conference Centers—Austin 2525 West Anderson Lane, Ste. 365

Austin, TX 78757

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Norris Conference

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W Anderson Ln

Northcross Dr

Northcross Dr

Kaplan College

Harry H

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Denton D

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Ford Rd

Emerald St

Lyndon B Johnson Pwy Lyndon B Johnson Pwy

35E

DALLAS Kaplan College—Dallas Campus

12005 Ford Road Dallas, TX 75234

HOUSTON-MAIN Norris Conference Center—Houston Westchase

9990 Richmond Avenue, Ste. 102Houston, TX 77042

Harwin Dr

Corporate Dr

Briarpack Dr

S. Gessner DrS. Gessner Dr

Westpark Dr

Westpark Tollway

Ranchester Dr

Richmond Ave

Norris Conference Center

HOUSTON-NORTH Texas School of Business—North Campus

711 East Airtex Drive Houston, TX 77073

SAN ANTONIO Kaplan College San Pedro

7142 San Pedro Avenue, Suite 100 San Antonio, TX 78216

E Hardy Rd

E Airtex Dr

537

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San Pedro Ave

North Fwy

45

45

W Airtex Dr

W Richey Rd

W Richey Rd

Imperial

Valley Dr

410

Sprucewood Ln

San Pedro Ave

410

Blanco Rd

Millwood Ln

Dellwood Dr

McCullough Ave

NW Loop 410

Kaplan CollegeSan Pedro

E Hardy Rd

E Airtex Dr

548

548

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North Fwy

45

45

W Airtex Dr

W Richey Rd W Richey Rd

Imperial

Valley Dr

Texas School of Business

Call toll-free: 800.428.4210 | www.kfeducation.com 9

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R OCTOBER3 Regulation and Ethics in the Insurance Industry 9:00am–12:00pm AU

3 The Ins and Outs of Group Insurance 1:00pm–5:00pm AU

3 Regulation and Ethics in the Insurance Industry 9:00am–12:00pm HM

3 Commercial Property Coverage: A Building Block in Commercial Insurance 1:00pm–5:00pm HM

4 Estate Planning Techniques: Understanding Trusts, Buy-Sell Agreements, and Special Planning Considerations 8:00am–12:00pm AU

4 Medicare and Medicare Supplements: Closing the Coverage Gap 1:00pm–5:00pm AU

4 The Auto Policy Uncovered 8:00am–12:00pm HM

4 What's in a Homeowner's Policy? 1:00pm–5:00pm HM

17 Ethics for Insurance Professionals: A Practical Guide 9:00am–12:00pm SA

17 Commercial Property Coverage: A Building Block in Commercial Insurance 1:00pm–5:00pm SA

17 Ethics for Insurance Professionals: A Practical Guide 9:00am–12:00pm HN

17 Planning for the Inevitable: Death and Taxes 1:00pm–5:00pm HN

17 Regulation and Ethics in the Insurance Industry 9:00am–12:00pm DA

17 Social Security: Now...and the Future? 1:00pm–5:00pm DA

18 Suitability: Matching the Product to the Need 8:00am–12:00pm DA

18 The Ins and Outs of Group Insurance 1:00pm–5:00pm DA

18 Social Security: Now...and the Future? 8:00am–12:00pm HN

18 The Ins and Outs of Group Insurance 1:00pm–5:00pm HN

18 The Auto Policy Uncovered 8:00am–12:00pm SA

18 What's in a Homeowner's Policy? 1:00pm–5:00pm SA

24 Ethics for Insurance Professionals: A Practical Guide 9:00am–12:00pm AR

24 Estate Planning Techniques: Understanding Trusts, Buy-Sell Agreements, and Special Planning Considerations 1:00pm–5:00pm AR

25 Understanding Disability Income Insurance 8:00am–12:00pm AR

25 Suitability: Matching the Product to the Need 1:00pm–5:00pm AR

31 Estate Planning Techniques: Understanding Trusts, Buy-Sell Agreements, and Special Planning Considerations 8:00am–12:00pm HM

31 The Ins and Outs of Group Insurance 1:00pm–5:00pm HM

NOVEMBER1 Ethics for Insurance Professionals: A Practical Guide 9:00am–12:00pm HM

1 Social Security: Now...and the Future? 1:00pm–5:00pm HM

14 Ethics for Insurance Professionals: A Practical Guide 9:00am–12:00pm DA

14 Commercial Property Coverage: A Building Block in Commercial Insurance 1:00pm–5:00pm DA

14 Regulation and Ethics in the Insurance Industry 9:00am–12:00pm SA

14 Medicare and Medicare Supplements: Closing the Coverage Gap 1:00pm–5:00pm SA

14 Regulation and Ethics in the Insurance Industry 9:00am–12:00pm HN

14 Estate Planning Techniques: Understanding Trusts, Buy-Sell Agreements, and Special Planning Considerations 1:00pm–5:00pm HN

15 Medicare and Medicare Supplements: Closing the Coverage Gap 8:00am–12:00pm HN

15 Suitability: Matching the Product to the Need 1:00pm–5:00pm HN

15 Social Security: Now...and the Future? 8:00am–12:00pm SA

15 Recognizing the Signs of Insurance Fraud 1:00pm–5:00pm SA

15 What's in a Homeowner's Policy? 8:00am–12:00pm DA

15 The Auto Policy Uncovered 1:00pm–5:00pm DA

AR=Arlington, AU=Austin, DA=Dallas, HM=HOUSTON-Main, HN=Houston-North, SA=San Antonio10

NOVEMBER CONTINUED21 Medicare and Medicare Supplements: Closing the

Coverage Gap 8:00am–12:00pm AR

21 The Ins and Outs of Group Insurance 1:00pm–5:00pm AR

22 Regulation and Ethics in the Insurance Industry 9:00am–12:00pm AR

22 Retirement Planning Strategies 1:00pm–5:00pm AR

Finish it all with Total Access CE You’ll receive 365 days of unlimited online access to recent changes and trends. Stay on the leading edge of the industry while fulfilling your CE requirements.

ONLY $59

Texas’ Total Access CE includes:

• Over 100 courses

• Immediate results with instant exam scoring

• The ability to retake exams as often as you need

• 365 days of unlimited access to our library

Call 800.428.4210

COUR

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DECEMBER12 Understanding Disability Income Insurance 1:00pm–5:00pm HM

12 Medicare and Medicare Supplements: Closing the Coverage Gap 1:00pm–5:00pm DA

13 Retirement Planning Strategies 8:00am–12:00pm DA

13 Estate Planning Techniques: Understanding Trusts, Buy–Sell Agreements, and Special Planning Considerations 1:00pm–5:00pm DA

13 Retirement Planning Strategies 8:00am–12:00pm HM

13 Suitability: Matching the Product to the Need 1:00pm–5:00pm HM

19 The Ins and Outs of Group Insurance 8:00am–12:00pm HN

19 Social Security: Now...and the Future? 1:00pm–5:00pm HN

19 Retirement Planning Strategies 1:00pm–5:00pm SA

19 Social Security: Now...and the Future? 1:00pm–5:00pm AR

20 Estate Planning Techniques: Understanding Trusts, Buy–Sell Agreements, and Special Planning Considerations 8:00am–12:00pm SA

20 Suitability: Matching the Product to the Need 1:00pm–5:00pm SA

20 Estate Planning Techniques: Understanding Trusts, Buy–Sell Agreements, and Special Planning Considerations 8:00am–12:00pm AR

20 Retirement Planning Strategies 1:00pm–5:00pm AR

20 Retirement Planning Strategies 1:00pm–5:00pm HN

AR=Arlington, AU=Austin, DA=Dallas, HM=HOUSTON-Main, HN=Houston-North, SA=San Antonio 11

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To register, call 800.428.4210 or visit www.kfeducation.com

Documents

Texas Insurance Continuing Education - Kaplan Financial Education