Classroom Course Descriptions & Learning Objectives


401(k) Primer

Course Description:

This course provides the financial professional with an in-depth overview of the 401(k) market, explaining the eligibility, types and designs of plans, contributions/distributions, investment vehicles, nondiscrimination testing, vesting schedules, and the tax consequences of distributions through loans and hardship withdrawals. (General Credits; Intermediate)

Learning Objectives:

Upon completion of this course the student will be able to:

  • Comprehend the importance of the 401(k) plans
  • Identify and explain the various types of 401(k) plans including QIDAs and QLDAs
  • Outline eligibility and vesting requirements
  • Define nondiscrimination testing
  • Apply disclosure requirements
  • Plan required distributions and tax consequences

Number of slides: 47 / Approved for 1 hour
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Annuity Contract Structure

Course Description:

The importance of properly structuring an annuity contract and the tax implications if the contract is not properly structured cannot be overlooked. (General credits, Advanced Level) DOES NOT MEET ANNUITY REQUIREMENT.

Learning Objectives:

Upon completion of this course the student will be able to:

  • Identify the various wealth transfer, state death and inheritance taxes and the deductions and credits allowed
  • Discuss the pros and cons of probate
  • Outline the various estate planning documents
  • Describe the benefits of life insurance and annuities inside an Irrevocable Trust
  • List the various types of Durable Powers of Attorney
  • Utilize the benefits of Charitable giving techniques

Number of slides: 52 / Approved for 1 hour
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Estate Planning

Course Description:

Designed to provide insurance and financial professional an in-depth review of the estate planning process. (General credits; Intermediate)

Learning Objectives:

Upon completion of this course the student will be able to:

  • Identify the various wealth transfer, state death and inheritance taxes and the deductions and credits allowed
  • Discuss the pros and cons of probate
  • Outline the various estate planning documents
  • Describe the benefits of life insurance and annuities inside an Irrevocable Trust
  • List the various types of Durable Powers of Attorney
  • Utilize the benefits of Charitable giving techniques

Number of slides: 42 / Approved for 1 hour
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Ethics for the Insurance Producer

Course Description:

Whether you sell life, or health insurance, annuities, long-term care insurance, disability income, or other financial products or services, this course will help to understand the essentials of ethics, market conduct and compliance from a sales perspective. (Ethics credit; Intermediate)

Learning Objectives:

Upon completion of this course the student will be able to:

  • Define Ethics and its importance to the industry
  • Describe responsibilities to the insurer and policy owner
  • Understand the roles of federal and state regulatory agencies
  • Identify Unfair and Deceptive Marketing Practices
  • Recognize the necessity of Ethical Decision making

Number of slides: 65 / Approved for 1 hour
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Ethical Practices and Standards

Course Description:

This course is designed to present the insurance producer with the ethical practices and standards required when conducting insurance business in their state. (Ethics credit; Intermediate)

Learning Objectives:

Upon completion of this course the student will be able to:

  • Define Ethics and producer responsibility
  • Make Ethical Decisions
  • Avoid Unfair and Deceptive Marketing Practices
  • Measure Standards of Ethical Behavior
  • Acknowledge rules of conduct including disciplinary procedures

Number of slides: 58 / Approved for 1 hour
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Florida 5 Hour Law & Ethics I

Course Description:

Insurance is a highly regulated industry through federal law and oversight, and from within the industry. The State of Florida adds to these specific regulations to protect its citizens’ public interest and to make sure insurance is available and equitable for all. (Ethics; Intermediate)

Learning Objectives:

Upon completion of this course the student will be able to:

  • List the Departments responsible for regulation of the industry in the state
  • Review their compliance with licensing requirements and ethical standards
  • Realize the importance of keeping current with new legislation

Number of slides: 42 / Approved for 1 hour
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Fundamentals of DI Insurance

Course Description:

Disability income insurance is an invaluable tool to provide income when an insured becomes disabled. There are many different types of disability insurance, as well as government programs. The information in this course will help the insurance professional to educate their clients on the features of the various types of programs. (General credits; Intermediate)

Learning Objectives:

Upon completion of this course the student will be able to:

  • Explain and differentiate various policies types
  • Outline riders attached to DI policies
  • Identify the disability programs offered under Social Security
  • Review Workers’ Compensation

Number of slides: 48 / Approved for 1 hour
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Funding Long Term Care

Course Description:

Every producer should comprehend the growing need for long term care insurance. Medicare and Medicaid offer some coverage with eligibility, but most clients will need to make arrangements to be able to self-insure by paying out-of-pocket or to purchase long term policies. (General credits; Intermediate)

Learning Objectives:

Upon completion of this course the student will be able to:

  • Define Long Term Care levels and requirements
  • Determine costs and benefits and tax issues
  • Outline available private insurance policies

Number of slides: 46 / Approved for 1 hour
CE Approval States/Credits and Professional Designations: Click here


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Illinois Ethical Practices and Standards I

Course Description:

This course has been designed to ???. (Ethics credits; Intermediate)

Learning Objectives:

Upon completion of this course the student will be able to:

  • ?
  • ?
  • ?

Number of slides: 00 / Approved for 1 hour
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Investing in Variable Annuities

Course Description:

Properly structuring a variable annuity contract enhances the protection and investment benefits to clients. Also discussed are tax deferral opportunities and ethical marketing practices. (General Credits; Advanced) DOES NOT MEET ANNUITY REQUIREMENT.

Learning Objectives:

Upon completion of this course the student will be able to:

  • Define Variable Annuities
  • Identify the parties to the contract, rights and responsibilities
  • Utilize protection benefits and strategies
  • Apply Tax Law
  • Determine Suitability
  • Reinforce Ethical Marketing Practices

Number of slides: 56 / Approved for 1 hour
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IRA Beneficiary Planning

Course Description:

This course has been designed to give the financial/insurance professional a clear understanding of the various tax laws and planning opportunities pertaining to IRA beneficiary designation planning. (General credits; Intermediate)

Learning Objectives:

Upon completion of this course the student will be able to:

  • Define eligible beneficiaries and qualifications
  • Select appropriate options for the beneficiary
  • Present qualified disclaimers, benefits and tax advantages

Number of slides: 39 / Approved for 1 hour
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IRA Planning

Course Description:

This course is designed to give the financial and insurance professional an in-depth review of individual retirement arrangements. (General Credits; Intermediate)

Learning Objectives:

Upon completion of this course the student will be able to:

  • Present the history of IRAs
  • Define the various types of IRAs, QCDs and QLACs
  • Explain contributions, distributions; conversions, recharacterizations, and rollovers
  • Apply the rules, and the DOL Conflict of Interest
  • Outline IRA Creditor Protection factors

Number of slides: 41 / Approved for 1 hour
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IRA Rollovers

Course Description:

IRA rollovers are the main driver of the IRA market. It has been projected that IRA rollovers will total over $400 billion annually. This is a “goldmine” of opportunity for financial and insurance advisors. However, with this opportunity comes issues of “conflicts of interest,” suitability, and the myriad of IRS and DOL regulations. (General credits; intermediate)

Learning Objectives:

Upon completion of this course the student will be able to:

  • Demonstrate an overview of the retirement market
  • Identify the governing sections of the I.R.C.
  • Define the purpose of IRA rollovers
  • Explain Indirect and Direct IRA Rollovers
  • Review the various tax laws and reporting requirements
  • Present the various types of IRA Rollovers
  • Demonstrate an understanding of the recent proposals pertaining to fiduciary responsibilities

Number of slides: 32 / Approved for 1 hour
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It’s All About Income

Course Description:

The purpose of this course is to give financial professionals a clear understanding of the challenges faced by retirees in the 21st century.

Learning Objectives:

Upon completion of this course the student will be able to:

  • Assist retirees in developing a retirement income plan
  • Determine retiree income needs
  • Understand the risk factors
  • Demonstrate knowledge of strategies to maximize social security
  • Utilize the benefits of guaranteed income with annuities
  • Include the costs of health care and long-term care in a retirement plan

Number of slides: 32 / Approved for 1 hour
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Managing Retirement Income

Course Description:

Give financial professionals a clear understanding of the challenges faced by retirees in the 21st century. Includes an overview of the retirement market and products. (General credits; intermediate)

Learning Objectives:

Upon completion of this course the student will be able to:

  • Determine retiree income needs
  • Outline the sources of retirement income
  • Understand the risk factors
  • Employ annuities

Number of slides: 48 / Approved for 1 hour
CE Approval States/Credits and Professional Designations: Click here


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Planning for Healthcare in Retirement

Course Description:

This course will give the insurance/financial professional an understanding of the importance of planning for rising health care costs for individuals in their retirement. (General credits; intermediate)

Learning Objectives:

Upon completion of this course the student will be able to:

  • Present an overview of rising health care costs
  • Outline the options available
  • Describe all Medicare options
  • Apply rules for Medigap policies

Number of slides: 51 / Approved for 1 hour
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Planning with Medicare

Course Description:

Provides the financial/insurance professional with a comprehensive review of Medicare and Medicare Supplemental lnsurance (Medigap) policies. (General credits; intermediate)

Learning Objectives:

At the conclusion of the course, the student will be able to:

  • Explain the types, benefits, costs and eligibility for Original
  • Medicare, Supplemental Medicare Insurance, Medicare Advantage, Drug coverage and Medigap
  • Select appropriate coverage for individual clients

Number of slides: 48 / Approved for 1 hour
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Planning with Social Security

Course Description:

The Old-Age, Survivor and Disability Insurance (OASDI), which for most Americans means Social Security, is the largest income-maintenance program in the United States. Based on social insurance principles, the program reaches almost every family, and at some point will touch the lives of nearly all Americans. Today, nearly one in six Americans receives a benefit from Social Security. This program can be the foundation of a well-designed retirement plan. And, for many Americans, their only retirement plan. (General credits; Intermediate)

Learning Objectives:

At the conclusion of the course, the student will be able to:

  • Relate the history of the Social Security program
  • Describe the various OASDI programs and benefits
  • Determine eligibility requirements
  • Calculate OA retirement benefits
  • Utilize strategies to maximize benefits
  • Apply the taxation rules on Social Security benefits

Number of slides: 45 / Approved for 1 hour
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Planning with Social Security and Medicare

Course Description:

This course is designed to give the financial advisor/insurance professional a clear understanding of the importance of Social Security and Medicare planning as part of their clients’ overall retirement plan.

Learning Objectives:

At the conclusion of the course, the student will be able to:

  • Explain the various Social Security programs and the difference from the Medicare Programs
  • Determine eligibility
  • Calculate Social Security benefits
  • Maximize benefits for your clients
  • Outline the various Medicare programs, benefits and costs Select appropriate supplemental policies

Number of slides: 64 / Approved for 1 hour
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Retirement Income Planning

Course Description:

This course has been developed to give the agent a complete understanding of the importance of developing a retirement income plan for their clients. (General credits; intermediate)

Learning Objectives:

Upon completion of this course the student will be able to:

  • Determine method to assess retiree income needs
  • Outline the sources of retirement income including annuities and reverse mortgages
  • Understand the risk factors of longevity, inflation and taxes
  • Explain the need for health and long term care planning and available funding

Number of slides: 48 / Approved for 1 hour
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Roth 401(k)

Course Description:

This course is designed to give the insurance/ financial professional a background of the Roth 401(k). an overview of the basic rules and distribution and rollover rules of the Roth 401(k), and concludes with case studies illustrating the information covered. (General credits; intermediate)

Learning Objectives:

Upon completion of this course the student will be able to:

  • Present an overview of the Roth 401(k)
  • Explain the distribution and rollover rules
  • Offer case studies to illustrate the rules and procedures

Number of slides: 48 / Approved for 1 hour
CE Approval States/Credits and Professional Designations: Click here


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Roth IRA

Course Description:

This course is designed to give the financial/insurance professional a clear understanding of the Roth IRA. (General credits; intermediate)

Learning Objectives:

Upon completion of this course the student will be able to:

  • Relate the history of the Roth IRA
  • Review special sections of IRC § 408A
  • Apply annual contribution conversion rules; and distribution rules during and after the participant’s lifetime

Number of slides: 36 / Approved for 1 hour
CE Approval States/Credits and Professional Designations: Click here


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Small Business Retirement Plans

Course Description:

Small businesses constitute an essential element of the U.S. economy. Approximately 34 million small businesses operate in the United States, making up the vast majority of employer firms in the country. Collectively, these small businesses employ nearly 60 million workers or approximately half of all private sector employees. This course is designed to provide an overview of the diverse business structures and the benefit plans available to each. (General credits; intermediate)

Learning Objectives:

At the conclusion of the course, the student will be able to:

  • Introduce Qualified Retirement Plans including the types of Defined Benefit and Defined Contribution plans
  • Determine eligibility requirements
  • Present 401(k) Plans
  • Distinguish Employer Sponsored IRAs
  • Apply applicable rules and regulations

Number of slides: 60 / Approved for 1 hour
CE Approval States/Credits and Professional Designations: Click here


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Suitability of Annuities

Course Description:

This course provides the definition and classification of the various types of annuities highlighting the features, benefits and payout options of each. It also provides an in-depth look at the ethical responsibilities of the insurance producer and the laws and regulations governing the suitability of annuities. (General Credits; Intermediate) DOES NOT MEET ANNUITY REQUIREMENT.

Learning Objectives:

At the conclusion of the course, the student will be able to:

  • Present an overview of each product
  • Select the most suitable annuity product
  • Reinforce personal ethical standards
  • Review the applicable rules and regulations

Number of slides: 55 / Approved for 1 hour
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Suitability of Variable Annuities

Course Description:

This course is designed to give the agent a general understanding of annuity basics and the classification of annuities with emphasis on variable annuities, protection benefits, annuitization, and suitability practices. (Annuity credits; Advanced) DOES NOT MEET ANNUITY REQUIREMENT.

Learning Objectives:

At the conclusion of the course, the student will be able to:

  • Define variable annuities
  • Access management tools
  • Explain industry trends and stability
  • Clarify disbursement and annuitization
  • Avoid unsuitable sales

Number of slides: 45 / Approved for 1 hour
CE Approval States/Credits and Professional Designations: Click here


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Understanding Financial Exploitation of Seniors

Course Description:

A comprehensive study of the epidemic of financial exploitation of seniors that cost seniors approximately $2.9 billion every year, according to a MetLife Study. It is to help identify senior clients who are likely to become victims of financial exploitation. (General credits; intermediate)

Learning Objectives:

At the conclusion of the course, the student will be able to:

  • Define financial exploitation of seniors
  • Describe examples of financial exploitation of seniors
  • List the red flags that can identify financial exploitation of seniors
  • Identify the role of the financial institutions and the trusted advisor
  • Understand the new FINRA rules to protect seniors

Number of slides: 30 / Approved for 1 hour
CE Approval States/Credits and Professional Designations: Click here


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Understanding Variable Annuities

Course Description:

This course is designed to provide a clear understanding of the importance of variable annuities in retirement planning. The course will begin by identifying the various features and benefits of the variable annuity. In addition, the course will breakdown and review in great detail, the various costs, death benefit options, the various Guaranteed Living Benefit (GLB) riders, as well as a discussion of the suitability requirements. In addition, the course will review the suitability requirements as mandated by the NAIC Model Law 275. (General credits; Intermediate) DOES NOT MEET ANNUITY REQUIREMENT.

Learning Objectives:

At the conclusion of the course, the student will be able to:

  • Explain the accumulation and distribution phases of the VA
  • Present the protection benefits
  • Understand ethical producer responsibilities
  • Avoid unsuitable marketing practices and sales

Number of slides: 46 / Approved for 1 hour
CE Approval States/Credits and Professional Designations: Click here


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Washington Update: Planning After The Tax Cuts and Jobs Act of 2017

Course Description:

Provides the insurance professional with a clear understanding of the provisions of the Tax Cuts and Job Act of 2017. (General credits; Intermediate)

Learning Objectives:

At the conclusion of the course, the student will be able to:

  • Describe examples of financial exploitation of seniors
  • List the red flags that can identify financial exploitation of seniors
  • Identify the role of the financial institutions and the trusted advisor
  • Understand the new FINRA rules to protect seniors

Number of slides: 30 / Approved for 1 hour
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Wealth Transfer Planning After ATRA of 2012

Course Description:

Gives the insurance and financial professional a clear understanding of the estate planning process and the many changes after the enactment of the American Taxpayers Relief Act of 2012, and the Tax Cuts and Jobs Act of 2017. (General Credits; Advanced)

Learning Objectives:

At the conclusion of the course, the student will be able to:

  • Identify the various wealth transfer taxes; and the deductions and credits allowed
  • Recognize the pros and cons of probate
  • Understand the basic estate planning documents
  • Be familiar with some of the Advanced Wealth Transfer Planning techniques
  • Apply the use of charities, trusts, life insurance and annuities

Number of slides: 42 / Approved for 1 hour
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