Producers continuing to sell LTCP must complete a 4-hour on-going training course every two calendar years after the initial completion.

This four hour course satisfies this requirement & reviews fundamental concepts of Long Term Care insurance and Florida's Long Term Care Partnership. We will introduce you to newer coverages as well as any legislative changes. We will also give you the latest update on the forms and talk about the implications to the coverages provided.

This course is ClearCert Approved.

For Agents with a *Combined* 2-20 & 2-15 License or a *Combined* 2-20 & 2-18 License, this course only applies to the 2-15 or 2-18 portion of the License).

For Agents with a *Combined* 4-40 & 2-15 License; this course applies to the 2-15 portion of the License. For Agents with a *Combined* 4-40 & 2-14 License; this course applies to the 4-40 portion of the License.

Applies to: 2-40 (Health Insurance) - 4 credits, 2-18 (L & H Insurance) - 4 credits, 2-15 (L, H & VA Insurance) - 4 credits, 2-20 (P & C Insurance) - 4 credits, 8-15 Nonresident Life, Health & Variable Annuity - 4 credits, 2-15 & 2-20 Dual License (L, H, VA, P&C) - 4 credits, 2-15 & 4-40 Dual License (L, H, VA, CSR) - 4 credits, 2-14 & 4-40 Dual License (L, VA, CSR) - 4 credits, 2-18 & 2-20 Dual License (L, H, P&C) - 4 credits

The legal term “due diligence” occurs a lot in the financial services industries. And not just in lawsuits.
“Due diligence” means the research—corporate, personal or financial—that a reasonable professional would conduct before investing money or otherwise entering a business venture. It is a critical term for an ethical insurance agent to understand and apply.
This course explores this concept as well as the financial representative's fiduciary responsibilities.
A most interesting course including three hours of mandatory continuing education on Ethics.

Applies to: 2-40 (Health Insurance) - 5 credits, 2-33 (IF Insurance) - 5 credits, 2-18 (L & H Insurance) - 5 credits, 2-14 (L & VA Insurance) - 5 credits, 2-15 (L, H & VA Insurance) - 5 credits, 2-20 (P & C Insurance) - 5 credits, 2-19 (VA Insurance) - 5 credits, 4-40 (Customer Service Represenative) - 5 credits, Adjusters CE9908 - 5 credits, 2-16 (Life Insurance) - 5 credits, 4-10 Title Agent - 5 credits, 20-44 (Personal Lines) - 5 credits, 8-15 Nonresident Life, Health & Variable Annuity - 5 credits, 4-20 Solicitor - 5 credits, 4-42 Limited Customer Representative - 5 credits, 9-33 Nonresident Industrial Fire & Burglary - 5 credits, 2-15 & 2-20 Dual License (L, H, VA, P&C) - 5 credits, 2-15 & 4-40 Dual License (L, H, VA, CSR) - 5 credits, 2-14 & 4-40 Dual License (L, VA, CSR) - 5 credits, 2-18 & 2-20 Dual License (L, H, P&C) - 5 credits

This course provides an in-depth discussion of property and casualty insurance from the agent's responsibilities to the adjuster's point of view. Various case law studies involving bad faith claims and the insurance companies responsibilities in the handling of claims.

Goals: Upon completion of this course the agent will have a broad understanding of property and casualty insurance ranging from the personal lines policies to the more comprehensive commercial lines policies. An extremely detailed discussion.

For Agents with a *Combined* 4-40 & 2-15 License; this course applies to the 2-15 portion of the license. For Agents with a *Combined* 4-40 & 2-14 License; this course applies to the 2-40 portion of the license.

Applies to: 3-40 (Health Adjuster) - 5 credits, 3-44 (P&C Adjuster) - 5 credits, 2-20 (P & C Insurance) - 5 credits, 4-40 (Customer Service Represenative) - 5 credits, 20-44 (Personal Lines) - 5 credits, 4-20 Solicitor - 5 credits, 5-24 (Independent Workers Compensation Adjuster) - 5 credits, 2-15 & 2-20 Dual License (L, H, VA, P&C) - 5 credits, 2-15 & 4-40 Dual License (L, H, VA, CSR) - 5 credits, 2-14 & 4-40 Dual License (L, VA, CSR) - 5 credits, 2-18 & 2-20 Dual License (L, H, P&C) - 5 credits

Life insurance has been sold in the United States since the mid-1700s, but it wasn’t until the 1840s that the industry made a significant impact on the American business scene.
This course explores this impact and discusses the various reasons for insurance as well as in depth analysis of various insurance policies.

For Agents with a *Combined* 4-40 & 2-15 License; this course applies to the 2-15 portion of the license. For Agents with a *Combined* 4-40 & 2-14 License; this course applies to the 2-14 portion of the license.

Applies to: 2-18 (L & H Insurance) - 12 credits, 2-14 (L & VA Insurance) - 12 credits, 2-15 (L, H & VA Insurance) - 12 credits, 2-16 (Life Insurance) - 12 credits, 8-14 Nonresident Life & Variable Annuity - 12 credits, 8-15 Nonresident Life, Health & Variable Annuity - 12 credits, 8-16 Nonresident Life - 12 credits, 8-18 Nonresident Life & Health - 12 credits, 2-15 & 2-20 Dual License (L, H, VA, P&C) - 12 credits, 2-15 & 4-40 Dual License (L, H, VA, CSR) - 12 credits, 2-14 & 4-40 Dual License (L, VA, CSR) - 12 credits, 2-18 & 2-20 Dual License (L, H, P&C) - 12 credits

The legal term “due diligence” occurs a lot in the financial services industries. And not just in lawsuits.
“Due diligence” means the research—corporate, personal or financial—that a reasonable professional would conduct before investing money or otherwise entering a business venture. It is a critical term for an ethical insurance agent to understand and apply.
This course explores this concept as well as the adjusters' fiduciary responsibilities.
A most interesting course including three hours of mandatory continuing education on Ethics.

Applies to: 3-24b (WC Adjuster Ethics) - 5 credits, 5-20 (Independent All Lines Adjuster) - 5 credits, 6-20 (Company All Lines Adjuster) - 5 credits, 5-44 (Adjusters General Liability) - 5 credits, 7-44 (Nonresident Company P&C Adjuster) - 5 credits, 5-24 (Independent Workers Compensation Adjuster) - 5 credits, 7-20 (Nonresident Company All Lines Adjuster) - 5 credits

In this course we will review some of the fundamental concepts to refresh your memory about some of the coverage details you might have forgotten from the 2001 policy form, including leased employees, and Internet media exposures. We will review the forms and provide answers for the most common questions you may encounter from your clients about their policies.

Goals:To provide a broad based over-view of General Liability via interesting and important case studies which bring this topic to life. Finally, we detail the most recent issues that have come up in the real world of providing these coverages to policyholders, such as costs and the implications of terrorism to general liability coverage.

Applies to: 3-24c (WC Adjuster Optional) - 6 credits, 5-20 (Independent All Lines Adjuster) - 6 credits, 6-20 (Company All Lines Adjuster) - 6 credits, 75-20 (Nonresident Ind. All Lines Adjusters) - 6 credits, 5-44 (Adjusters General Liability) - 6 credits, 7-44 (Nonresident Company P&C Adjuster) - 6 credits, 75-44 (Nonresident Ind. P&C Adjuster) - 6 credits, 5-24 (Independent Workers Compensation Adjuster) - 6 credits, 7-20 (Nonresident Company All Lines Adjuster) - 6 credits

This course begins with a discussion on “Bad Faith” and what this means to the adjuster and his/her insurance company. Could the company be liable for more than the policy’s liability limits, and if so, how? What constitutes “Bad Faith” on the part of the insurance company? What is the proper procedure for handling claims and with-in what time frame? This course offers solutions to potentially devastating pecuniary damages arising from poor claims handling. It is our desire to both provoke discussions and educate through material arrived from an eclectic array of sources.

For Agents with a *Combined* 4-40 & 2-15 License; this course applies to the 4-40 portion of the license. For Agents with a *Combined* 4-40 & 2-14 License; this course applies to the 4-40 portion of the license.

Applies to: 3-24 (WC Adjuster) - 5 credits, 3-24a (WC Adjuster Law) - 5 credits, 2-20 (P & C Insurance) - 5 credits, 4-40 (Customer Service Represenative) - 5 credits, 5-20 (Independent All Lines Adjuster) - 5 credits, 6-20 (Company All Lines Adjuster) - 5 credits, 75-20 (Nonresident Ind. All Lines Adjusters) - 5 credits, 5-44 (Adjusters General Liability) - 5 credits, 7-44 (Nonresident Company P&C Adjuster) - 5 credits, 20-44 (Personal Lines) - 5 credits, 4-20 Solicitor - 5 credits, 75-44 (Nonresident Ind. P&C Adjuster) - 5 credits, 5-24 (Independent Workers Compensation Adjuster) - 5 credits, 2-15 & 2-20 Dual License (L, H, VA, P&C) - 5 credits, 2-15 & 4-40 Dual License (L, H, VA, CSR) - 5 credits, 2-14 & 4-40 Dual License (L, VA, CSR) - 5 credits, 7-20 (Nonresident Company All Lines Adjuster) - 5 credits, 2-18 & 2-20 Dual License (L, H, P&C) - 5 credits

This course examines the property & casualty environment for adjusters. A variety of discussions on Automobile, Ocean Marine, Renters and Homeowners. The required two hours of ethics is included. An enriching topic of discussions.

Applies to: 3-24 (WC Adjuster) - 7 credits, 3-24b (WC Adjuster Ethics) - 2 credits, 3-24c (WC Adjuster Optional) - 5 credits, 5-20 (Independent All Lines Adjuster) - 7 credits, 6-20 (Company All Lines Adjuster) - 7 credits, 75-20 (Nonresident Ind. All Lines Adjusters) - 7 credits, 5-44 (Adjusters General Liability) - 7 credits, 7-44 (Nonresident Company P&C Adjuster) - 7 credits, 75-44 (Nonresident Ind. P&C Adjuster) - 7 credits, 5-24 (Independent Workers Compensation Adjuster) - 7 credits, 7-20 (Nonresident Company All Lines Adjuster) - 7 credits

Everyone knows they need insurance. However, no one is ever sure what kind to buy or how much or from whom. No one wants to become an expert. They just want to know what it’s going to cover and what it isn’t…and how much it’s going to cost.
You’re an insurance professional (and agent, broker or consultant). But one of the major challenges that insurance professionals face is that so many consumers think the insurance industry is trying to rip them off.
And, since you’re the closest thing to an embodiment of the insurance industry that most people are likely to see on a day-to-day basis, their grumbling invariably involves you. The main way that you can battle this grumbling: be on top of your game. Answer questions quickly and without biases or special interests.
This course covers these issues!!!

For Agents with a *Combined* 4-40 & 2-15 License; this course applies to the 2-15 portion of the license. For Agents with a *Combined* 4-40 & 2-14 License; this course applies to the 2-14 portion of the license.

Applies to: 2-18 (L & H Insurance) - 12 credits, 2-14 (L & VA Insurance) - 12 credits, 2-15 (L, H & VA Insurance) - 12 credits, 2-16 (Life Insurance) - 12 credits, 8-14 Nonresident Life & Variable Annuity - 12 credits, 8-15 Nonresident Life, Health & Variable Annuity - 12 credits, 8-16 Nonresident Life - 12 credits, 8-18 Nonresident Life & Health - 12 credits, 4-41 Administrative Agent - 12 credits, 2-15 & 2-20 Dual License (L, H, VA, P&C) - 12 credits, 2-15 & 4-40 Dual License (L, H, VA, CSR) - 12 credits, 2-14 & 4-40 Dual License (L, VA, CSR) - 12 credits, 2-18 & 2-20 Dual License (L, H, P&C) - 12 credits

This course provides the three hours of mandatory C.E. requirements in Ethics. It explores the Financial Professional's role and responsibilities in an ever changing and even more complex arena. Topics include rebating and replacement as well as a host of ideas and thoughts that have led the State of Florida to mandate these course offerings for continuing education.

Goals: With the knowledge from this course, the professional becomes aware of when replacement is replacement and not churning or twisting. The rules for replacement are discussed as well as the fiduciary responsibilities of the financial professional.

Applies to: 2-40 (Health Insurance) - 3 credits, 2-33 (IF Insurance) - 3 credits, 2-18 (L & H Insurance) - 3 credits, 2-14 (L & VA Insurance) - 3 credits, 2-15 (L, H & VA Insurance) - 3 credits, 2-20 (P & C Insurance) - 3 credits, 2-19 (VA Insurance) - 3 credits, 4-40 (Customer Service Represenative) - 3 credits, Adjusters CE9908 - 3 credits, 2-16 (Life Insurance) - 3 credits, 4-10 Title Agent - 3 credits, 20-44 (Personal Lines) - 3 credits, 8-15 Nonresident Life, Health & Variable Annuity - 3 credits, 4-20 Solicitor - 3 credits, 4-42 Limited Customer Representative - 3 credits, 9-33 Nonresident Industrial Fire & Burglary - 3 credits, 2-15 & 2-20 Dual License (L, H, VA, P&C) - 3 credits, 2-15 & 4-40 Dual License (L, H, VA, CSR) - 3 credits, 2-14 & 4-40 Dual License (L, VA, CSR) - 3 credits, 2-18 & 2-20 Dual License (L, H, P&C) - 3 credits

What Does Ethics Mean? The English word ethics comes from the ancient Greek words "ethos", which meant the part of a person’s character that connected with universal truths. In the present day, The Oxford English Dictionary defines ethics as the “study concerned with the principles of human duty” and the “rules of conduct recognized in certain associations or departments of human life.” What does all of this mean to an ordinary person trying to succeed in business? It means that, to act ethically, a business person must have a sense of right and wrong and feel a duty to follow this sense. This course will consider the practical details of what acting ethically means to insurance agents, brokers and other professionals in the financial service fields.

Goals: With the knowledge gained from this course the financial representative will gain a greater understanding of how and why Ethics has come to be required course material throughout the country, congruent with societies' expectations. Complete with a background of Ethics and it's role in our ever changing environment.

Applies to: 2-40 (Health Insurance) - 5 credits, 2-33 (IF Insurance) - 5 credits, 2-18 (L & H Insurance) - 5 credits, 2-14 (L & VA Insurance) - 5 credits, 2-15 (L, H & VA Insurance) - 5 credits, 2-20 (P & C Insurance) - 5 credits, 2-19 (VA Insurance) - 5 credits, 4-40 (Customer Service Represenative) - 5 credits, Adjusters CE9908 - 5 credits, 2-16 (Life Insurance) - 5 credits, 4-10 Title Agent - 5 credits, 20-44 (Personal Lines) - 5 credits, 8-15 Nonresident Life, Health & Variable Annuity - 5 credits, 4-20 Solicitor - 5 credits, 4-42 Limited Customer Representative - 5 credits, 9-33 Nonresident Industrial Fire & Burglary - 5 credits, 2-15 & 2-20 Dual License (L, H, VA, P&C) - 5 credits, 2-15 & 4-40 Dual License (L, H, VA, CSR) - 5 credits, 2-14 & 4-40 Dual License (L, VA, CSR) - 5 credits, 2-18 & 2-20 Dual License (L, H, P&C) - 5 credits

This advanced course explores a thorough examination of life insurance, retirement plans and the needs related to these products - An overall discussion with in-depth analysis of current topics.

Goals:With the information contained in this class the financial planning professional will clearly understand the value of proper financial planning, it's implementation, and the products and make-up used as it relates to clients and their financial planning objectives.

For Agents with a *Combined* 4-40 & 2-15 License; this course applies to the 2-15 portion of the license.

Applies to: 2-18 (L & H Insurance) - 10 credits, 2-15 (L, H & VA Insurance) - 10 credits, 8-15 Nonresident Life, Health & Variable Annuity - 10 credits, 8-18 Nonresident Life & Health - 10 credits, 4-41 Administrative Agent - 10 credits, 2-15 & 2-20 Dual License (L, H, VA, P&C) - 10 credits, 2-15 & 4-40 Dual License (L, H, VA, CSR) - 10 credits, 2-14 & 4-40 Dual License (L, VA, CSR) - 10 credits

This course provides a comprehensive look at current Medicare and Medicaid issues, Long Term Care & Annuities - An overall discussion with in-depth analysis of current topics.

Goals:With the information contained in this class the professional will clearly understand the new Medicare drug prescription program and have a more comprehensive understanding of government programs in our society.

For Agents with a *Combined* 4-40 & 2-15 License; this course applies to the 2-15 portion of the license. For Agents with a *Combined* 4-40 & 2-14 License; this course applies to the 2-14 portion of the license.

Applies to: 2-40 (Health Insurance) - 12 credits, 2-33 (IF Insurance) - 12 credits, 2-18 (L & H Insurance) - 12 credits, 2-14 (L & VA Insurance) - 12 credits, 2-15 (L, H & VA Insurance) - 12 credits, 4-40 (Customer Service Represenative) - 12 credits, 2-16 (Life Insurance) - 12 credits, 8-14 Nonresident Life & Variable Annuity - 12 credits, 8-15 Nonresident Life, Health & Variable Annuity - 12 credits, 8-16 Nonresident Life - 12 credits, 8-18 Nonresident Life & Health - 12 credits, 4-41 Administrative Agent - 12 credits, 2-20 - (P &C Insurance with CE9900 as a requirement) - 12 credits, 2-15 & 2-20 Dual License (L, H, VA, P&C) - 12 credits, 2-15 & 4-40 Dual License (L, H, VA, CSR) - 12 credits, 2-14 & 4-40 Dual License (L, VA, CSR) - 12 credits, 2-18 & 2-20 Dual License (L, H, P&C) - 12 credits

In this course we will review some of the fundamental concepts to refresh your memory about some of the coverage details you might have forgotten from the 2001 policy form, including leased employees, and Internet media exposures. We will review the forms and provide answers for the most common questions you may encounter from your clients about their policies.

Goals:To provide a broad based over-view of General Liability via interesting and important case studies which bring this topic to life. Finally, we detail the most recent issues that have come up in the real world of providing these coverages to policyholders, such as costs and the implications of terrorism to general liability coverage.

For Agents with a *Combined* 4-40 & 2-15 License; this course applies to the 4-40 portion of the license. For Agents with a *Combined* 4-40 & 2-14 License; this course applies to the 4-40 portion of the license.

Applies to: 2-20 (P & C Insurance) - 6 credits, 4-40 (Customer Service Represenative) - 6 credits, 20-44 (Personal Lines) - 6 credits, 4-20 Solicitor - 6 credits, 2-15 & 2-20 Dual License (L, H, VA, P&C) - 6 credits, 2-15 & 4-40 Dual License (L, H, VA, CSR) - 6 credits, 2-14 & 4-40 Dual License (L, VA, CSR) - 6 credits, 2-18 & 2-20 Dual License (L, H, P&C) - 6 credits

If you’ve ever been sick or injured, you know that it’s important to have the right kind of health insurance. It pays for the pain to be abated...and the damage to be repaired. But, if your employer offers you a choice of health plans, do you have enough knowledge to make the right choice? In addition to medical expense coverage, do you need any other kind of insurance? What will happen if you are too sick to work? Or, if you are over 65, will Medicare pay for all your health care expenses?
Today’s consumers are asking these same questions; and the questions aren’t always easy to answer. Many of the insurance agents and brokers who used to explain the details to people are gone. Companies that sell medical insurance rely on a shrinking number of experts to explain coverages to people— and most of these experts focus their pitch on the start of a new plan with a client. If questions come up later—which is usually the case—people often get some brochures and a shrug of the shoulders.

Goals:This course is designed to give Financial Planners an in-depth discussion of health insurance forms and terms and provides the tools necessary to answer these very important questions.

For Agents with a *Combined* 4-40 & 2-15 License; this course applies to the 2-15 portion of the license. For Agents with a *Combined* 4-40 & 2-14 License; this course applies to the 4-40 portion of the license.

Applies to: 2-40 (Health Insurance) - 11 credits, 2-18 (L & H Insurance) - 11 credits, 2-15 (L, H & VA Insurance) - 11 credits, 4-40 (Customer Service Represenative) - 11 credits, 8-15 Nonresident Life, Health & Variable Annuity - 11 credits, 8-18 Nonresident Life & Health - 11 credits, 4-41 Administrative Agent - 11 credits, 9-20 General Lines Prop & Cas - 11 credits, 9-40 Nonresident Customer Representative - 11 credits, 8-40 Nonresident Health - 11 credits, 2-20 (P&C OPTIONAL Ins. Req.) - 11 credits, 2-15 & 2-20 Dual License (L, H, VA, P&C) - 11 credits, 2-15 & 4-40 Dual License (L, H, VA, CSR) - 11 credits, 2-14 & 4-40 Dual License (L, VA, CSR) - 11 credits, 2-18 & 2-20 Dual License (L, H, P&C) - 11 credits

In spite of a drop in the number of serious workplace injuries betweem 1998 and 2002, the cost of employers dealing with injured workers has gone up significantly--both due to increases in insurance and the rising cost of healthcare.
In an effort to protect the safety and health of every worker, Congress passed the Occupational Health and Safety Act on December 29, 1970.
This course provides an understanding of OSHA, it's origins and role in the risk management venue of employer's liability.

For Agents with a *Combined* 2-20 & 2-15 License or a *Combined* 2-20 & 2-18 License, this course only applies to the 2-15 or 2-18 portion).

For Agents with a *Combined* 4-40 & 2-15 License; this course applies to the 2-15 portion of the license. For Agents with a *Combined* 4-40 & 2-14 License; this course applies to the 4-40 portion of the license.

Applies to: 2-40 (Health Insurance) - 10 credits, 2-18 (L & H Insurance) - 10 credits, 2-15 (L, H & VA Insurance) - 10 credits, 2-20 (P & C Insurance) - 10 credits, 4-40 (Customer Service Represenative) - 10 credits, 8-15 Nonresident Life, Health & Variable Annuity - 10 credits, 8-18 Nonresident Life & Health - 10 credits, 4-41 Administrative Agent - 10 credits, 9-20 General Lines Prop & Cas - 10 credits, 9-40 Nonresident Customer Representative - 10 credits, 8-40 Nonresident Health - 10 credits, 2-15 & 2-20 Dual License (L, H, VA, P&C) - 10 credits, 2-15 & 4-40 Dual License (L, H, VA, CSR) - 10 credits, 2-14 & 4-40 Dual License (L, VA, CSR) - 10 credits, 2-18 & 2-20 Dual License (L, H, P&C) - 10 credits

This advanced course explores a thorough examination of health insurance, including Long Term Care, Disability Income and the needs related to these products - A complete analysis of the health insurance field, it's language, limitations and coverages.

Goals:With the material contained in this course the Health planning professional will clearly understand the value of health risk management, it's implementation, and the products and make-up used as it relates to clients and their health insurance needs.

For Agents with a *Combined* 4-40 & 2-15 License; this course applies to the 2-15 portion of the license. For Agents with a *Combined* 4-40 & 2-14 License; this course applies to the 4-40 portion of the license.

Applies to: 2-40 (Health Insurance) - 10 credits, 2-18 (L & H Insurance) - 10 credits, 2-15 (L, H & VA Insurance) - 10 credits, 4-40 (Customer Service Represenative) - 10 credits, 8-15 Nonresident Life, Health & Variable Annuity - 10 credits, 8-18 Nonresident Life & Health - 10 credits, 4-41 Administrative Agent - 10 credits, 9-20 General Lines Prop & Cas - 10 credits, 9-40 Nonresident Customer Representative - 10 credits, 8-40 Nonresident Health - 10 credits, 2-20 (P&C OPTIONAL Ins. Req.) - 10 credits, 2-15 & 2-20 Dual License (L, H, VA, P&C) - 10 credits, 2-15 & 4-40 Dual License (L, H, VA, CSR) - 10 credits, 2-14 & 4-40 Dual License (L, VA, CSR) - 10 credits, 2-18 & 2-20 Dual License (L, H, P&C) - 10 credits

Our second in a series of mandatory one-hour continuing education training courses for general lines insurance agents and customer representatives on the subject of premium discounts for hurricane mitigation options.

Applies to: 2-20 (P & C Insurance) - 1 credits, 4-40 (Customer Service Represenative) - 1 credits, 20-44 (Personal Lines) - 1 credits, 9-20 General Lines Prop & Cas - 1 credits, 9-40 Nonresident Customer Representative - 1 credits, 90-44 Nonresident Personal Lines - 1 credits, 2-15 & 2-20 Dual License (L, H, VA, P&C) - 1 credits, 2-15 & 4-40 Dual License (L, H, VA, CSR) - 1 credits, 2-14 & 4-40 Dual License (L, VA, CSR) - 1 credits, 2-18 & 2-20 Dual License (L, H, P&C) - 1 credits

Life insurance has been sold in the United States since the mid-1700s, but it wasn’t until the 1840s that the industry made a significant impact on the American business scene. Since that time, individual life insurance has grown steadily, due primarily to the agency distribution system. An 11 hour Course.

Applies to: 2-18 (L & H Insurance) - 11 credits, 2-14 (L & VA Insurance) - 11 credits, 2-15 (L, H & VA Insurance) - 11 credits, 2-16 (Life Insurance) - 11 credits, 8-14 Nonresident Life & Variable Annuity - 11 credits, 8-15 Nonresident Life, Health & Variable Annuity - 11 credits, 8-16 Nonresident Life - 11 credits, 8-18 Nonresident Life & Health - 11 credits, 2-15 & 2-20 Dual License (L, H, VA, P&C) - 11 credits, 2-15 & 4-40 Dual License (L, H, VA, CSR) - 11 credits, 2-14 & 4-40 Dual License (L, VA, CSR) - 11 credits, 2-18 & 2-20 Dual License (L, H, P&C) - 11 credits

The concept of disability insurance got its start centuries ago in ancient China. Chinese laborers paid their doctors as long as they remained well and were able to work. They stopped paying the doctors whenever they became ill.
By most historical accounts, it was an effective way to address the financial hardships incurred when a person became disabled and was unable to work. Unfortunately, this concept doesn’t appear to be workable in today’s society.

Goals:This course is designed to give Insurance Agents and Financial Planners an in-depth knowledge of disability insurance, it's forms and terms.

For Agents with a *Combined* 4-40 & 2-15 License; this course applies to the 2-15 portion of the license. For Agents with a *Combined* 4-40 & 2-14 License; this course applies to the 4-40 portion of the license.

Applies to: 2-40 (Health Insurance) - 11 credits, 2-18 (L & H Insurance) - 11 credits, 2-15 (L, H & VA Insurance) - 11 credits, 4-40 (Customer Service Represenative) - 11 credits, 8-15 Nonresident Life, Health & Variable Annuity - 11 credits, 8-18 Nonresident Life & Health - 11 credits, 4-41 Administrative Agent - 11 credits, 9-20 General Lines Prop & Cas - 11 credits, 9-40 Nonresident Customer Representative - 11 credits, 8-40 Nonresident Health - 11 credits, 2-20 (P&C OPTIONAL Ins. Req.) - 11 credits, 2-15 & 2-20 Dual License (L, H, VA, P&C) - 11 credits, 2-15 & 4-40 Dual License (L, H, VA, CSR) - 11 credits, 2-14 & 4-40 Dual License (L, VA, CSR) - 11 credits, 2-18 & 2-20 Dual License (L, H, P&C) - 11 credits

A broad based, in depth discussion of life insurance and annuities, including their uses in the private market as well as the ever expanding business arena. This course speaks to taxation, their inclusion or exclusion in cases of probate, wills and trusts and estate planning.

Goals:To provide an extremely in-depth catalog of subject material designed with the insurance producer and financial advisor in mind.

For Agents with a *Combined* 4-40 & 2-15 License; this course applies to the 2-15 portion of the license. For Agents with a *Combined* 4-40 & 2-14 License; this course applies to the 2-14 portion of the license.

Applies to: 2-18 (L & H Insurance) - 10 credits, 2-14 (L & VA Insurance) - 10 credits, 2-15 (L, H & VA Insurance) - 10 credits, 2-16 (Life Insurance) - 10 credits, 8-14 Nonresident Life & Variable Annuity - 10 credits, 8-15 Nonresident Life, Health & Variable Annuity - 10 credits, 8-18 Nonresident Life & Health - 10 credits, 4-41 Administrative Agent - 10 credits, 2-15 & 2-20 Dual License (L, H, VA, P&C) - 10 credits, 2-15 & 4-40 Dual License (L, H, VA, CSR) - 10 credits, 2-14 & 4-40 Dual License (L, VA, CSR) - 10 credits, 2-18 & 2-20 Dual License (L, H, P&C) - 10 credits

This course provides stimulating material pertinent to financial planners of all disciplines. We begin by discussing Maslow's hierarchy of needs, the human life value vs the needs approach, and touching on the policy characteristics of credit proof life insurance. An enriching topic of discussions.

Goals: To provide an in depth analysis of life insurance from the basic policies to the more comprehensive as well as the uses for personal and business opportunities.

For Agents with a *Combined* 4-40 & 2-15 License; this course applies to the 2-15 portion of the license. For Agents with a *Combined* 4-40 & 2-14 License; this course applies to the 2-14 portion of the license.

Applies to: 2-18 (L & H Insurance) - 12 credits, 2-14 (L & VA Insurance) - 12 credits, 2-15 (L, H & VA Insurance) - 12 credits, 2-16 (Life Insurance) - 12 credits, 8-14 Nonresident Life & Variable Annuity - 12 credits, 8-15 Nonresident Life, Health & Variable Annuity - 12 credits, 8-16 Nonresident Life - 12 credits, 8-18 Nonresident Life & Health - 12 credits, 4-41 Administrative Agent - 12 credits, 2-15 & 2-20 Dual License (L, H, VA, P&C) - 12 credits, 2-15 & 4-40 Dual License (L, H, VA, CSR) - 12 credits, 2-14 & 4-40 Dual License (L, VA, CSR) - 12 credits, 2-18 & 2-20 Dual License (L, H, P&C) - 12 credits

Before selling LTC policies in Florida, producers must complete an 8-hour state approved LTCP training course.

In this course we will review some of the fundamental concepts of Long Term Care insurance and Florida's Long Term Care Partnership. This course provides an in-depth analysis of this growing market. We will introduce you to newer coverages as well as any legislative changes. We will also give you the latest update on the forms and talk about the implications to the coverages provided.

You will read interesting and important case studies to bring this topic to life. Finally, we detail the most recent issues that have come up in the real world of providing these coverages to policyholders.

This course is ClearCert Approved.

For Agents with a *Combined* 2-20 & 2-15 License or a "Combined" 2-20 & 2-18 License; this course applies only to the 2-15 OR 2-18 Portion.

For Agents with a *Combined* 4-40 & 2-15 License; this course applies to the 2-15 portion of the license. For Agents with a *Combined* 4-40 & 2-14 License; this course applies to the 4-40 portion of the license.

Applies to: 2-40 (Health Insurance) - 8 credits, 2-18 (L & H Insurance) - 8 credits, 2-15 (L, H & VA Insurance) - 8 credits, 2-20 (P & C Insurance) - 8 credits, 8-15 Nonresident Life, Health & Variable Annuity - 8 credits, 2-15 & 2-20 Dual License (L, H, VA, P&C) - 8 credits, 2-15 & 4-40 Dual License (L, H, VA, CSR) - 8 credits, 2-14 & 4-40 Dual License (L, VA, CSR) - 8 credits, 2-18 & 2-20 Dual License (L, H, P&C) - 8 credits

In spite of a drop in the number of serious workplace injuries betweem 1998 and 2002, the cost of employers dealing with injured workers has gone up significantly--both due to increases in insurance and the rising cost of healthcare.
In an effort to protect the safety and health of every worker, Congress passed the Occupational Health and Safety Act on December 29, 1970.
This course provides an understanding of OSHA, it's origins and role in the risk management venue of employer's liability.

For Agents with a *Combined* 2-20 & 2-15 License this course applies only to the 2-20 portion of the license.

For Agents with a *Combined* 4-40 & 2-15 License; this course applies to the 4-40 portion of the license. For Agents with a *Combined* 4-40 & 2-14 License; this course applies to the 4-40 portion of the license.

Applies to: 3-24a (WC Adjuster Law) - 10 credits, 2-20 (P & C Insurance) - 10 credits, 4-40 (Customer Service Represenative) - 10 credits, 5-20 (Independent All Lines Adjuster) - 10 credits, 6-20 (Company All Lines Adjuster) - 10 credits, 75-20 (Nonresident Ind. All Lines Adjusters) - 10 credits, 5-44 (Adjusters General Liability) - 10 credits, 7-44 (Nonresident Company P&C Adjuster) - 10 credits, 20-44 (Personal Lines) - 10 credits, 4-20 Solicitor - 10 credits, 75-44 (Nonresident Ind. P&C Adjuster) - 10 credits, 5-24 (Independent Workers Compensation Adjuster) - 10 credits, 2-15 & 2-20 Dual License (L, H, VA, P&C) - 10 credits, 2-15 & 4-40 Dual License (L, H, VA, CSR) - 10 credits, 2-14 & 4-40 Dual License (L, VA, CSR) - 10 credits, 7-20 (Nonresident Company All Lines Adjuster) - 10 credits, 2-18 & 2-20 Dual License (L, H, P&C) - 10 credits

Welcome to this professional continuing education course on Workers Compensation & General Liability Insurance. This course is intended for the practicing insurance professional and not for someone new to insurance.
In this course we will review some of the fundamental concepts to refresh your memory about some of the coverage details you might have forgotten. We will review the forms and provide answers for the most common questions you may encounter from your clients about their policies.
We will discuss the options available to obtain workers comp coverage and the factors that go into the pricing of coverage.
You will read interesting and important case studies to bring this topic to life. Finally, we detail the most recent issues that have come up in the real world of providing these coverages to policyholders, such as medical cost containment, fraud, privacy and medical records, and the implications of terrorism to workers compensation coverage.

Applies to: 2-20 (P & C Insurance) - 10 credits, 4-40 (Customer Service Represenative) - 10 credits, 20-44 (Personal Lines) - 10 credits, 9-20 General Lines Prop & Cas - 10 credits, 9-40 Nonresident Customer Representative - 10 credits, 4-20 Solicitor - 10 credits, 90-44 Nonresident Personal Lines - 10 credits, 2-15 & 2-20 Dual License (L, H, VA, P&C) - 10 credits, 2-18 & 2-20 Dual License (L, H, P&C) - 10 credits

Our 40 hour course for those seeking the Health-only license.

Applies to: 2-40 (Health Insurance), Pre-licensing

Our 40 hour course is now available for those seeking a Life & Variable Annuities license.

Applies to: 2-14 (L & VA Insurance), Pre-licensing

This is our entire 40-hour pre-licensing course, taught by David "Big Dog" Watson himself via a combination of engaging course transcription and video.

Applies to: 2-15 (L, H & VA Insurance), Pre-licensing

This is a mandatory one-hour continuing education training course for general lines insurance agents and customer representatives on the subject of premium discounts for hurricane mitigation options.

Applies to: 2-20 (P & C Insurance) - 1 credits, 4-40 (Customer Service Represenative) - 1 credits, 20-44 (Personal Lines) - 1 credits, 9-20 General Lines Prop & Cas - 1 credits, 9-40 Nonresident Customer Representative - 1 credits, 90-44 Nonresident Personal Lines - 1 credits, 2-15 & 2-20 Dual License (L, H, VA, P&C) - 1 credits, 2-15 & 4-40 Dual License (L, H, VA, CSR) - 1 credits, 2-14 & 4-40 Dual License (L, VA, CSR) - 1 credits, 2-18 & 2-20 Dual License (L, H, P&C) - 1 credits

This course examines an eclectic array of material from Ocean Marine Insurance to Auto, from Renters to Long Term Care, providing a wealth of stimulating material pertinent to advisors in the broad and ever changing field of property & casualty insurance. An enriching topic of discussions. Also included is a discussion on unauthorized entities.

Goals: To provide an in depth analysis of Ocean Marine insurance, renters insurance and the Medicaid market-place. The information gleaned from this course will provide valuable insight into a world of insurance understood but by a few.

Applies to: 2-40 (Health Insurance) - 5 credits, 2-18 (L & H Insurance) - 5 credits, 2-15 (L, H & VA Insurance) - 5 credits, 2-20 (P & C Insurance) - 10 credits, 4-40 (Customer Service Represenative) - 10 credits, 8-15 Nonresident Life, Health & Variable Annuity - 5 credits, 8-18 Nonresident Life & Health - 5 credits, 4-41 Administrative Agent - 5 credits, 9-20 General Lines Prop & Cas - 10 credits, 9-40 Nonresident Customer Representative - 10 credits, 8-40 Nonresident Health - 10 credits, 4-20 Solicitor - 5 credits, 90-44 Nonresident Personal Lines - 5 credits, 2-15 & 2-20 Dual License (L, H, VA, P&C) - 5 credits, 2-18 & 2-20 Dual License (L, H, P&C) - 10 credits

In this 13 hour course we will review some of the fundamental concepts of life insurance. We will cover how to advice clients on amount of life insurance needed, the types of life insurance policies available today, and the common required policy provisions and exclusions. This course also explores the suitability issues for seniors when puchasing annuities, as well as the laws of the state of Florida pertaining to these sales.

Applies to: 2-18 (L & H Insurance) - 13 credits, 2-14 (L & VA Insurance) - 13 credits, 2-15 (L, H & VA Insurance) - 13 credits, 2-16 (Life Insurance) - 13 credits, 8-14 Nonresident Life & Variable Annuity - 13 credits, 8-15 Nonresident Life, Health & Variable Annuity - 13 credits, 8-16 Nonresident Life - 13 credits, 8-18 Nonresident Life & Health - 13 credits, 2-15 & 2-20 Dual License (L, H, VA, P&C) - 13 credits, 2-15 & 4-40 Dual License (L, H, VA, CSR) - 13 credits, 2-14 & 4-40 Dual License (L, VA, CSR) - 13 credits, 2-18 & 2-20 Dual License (L, H, P&C) - 13 credits

Any person who holds a license to solicit or sell life insurance in Florida must complete a minimum of 3 hours in continuing education on the subject of suitability in annuity and life insurance transactions. A licensee may use the hours obtained under this course to satisfy the requirement for continuing education in ethics under prior law.

Goals:To provide an in-depth discussion on annuities and how they relate to seniors and the suitability requirements under Florida Law, while meeting these new state requirements. The actual law is quoted, outlining these requirements, giving the financial representative necessary information to stay with-in these guidelines.

3 Hours applies to CE9911 Senior Suitability and 1 hour applies to CE9901 Generic Life and General Lines.

Applies to: 2-33 (IF Insurance) - 4 credits, 2-18 (L & H Insurance) - 4 credits, 2-14 (L & VA Insurance) - 4 credits, 2-15 (L, H & VA Insurance) - 4 credits, 2-16 (Life Insurance) - 4 credits, 8-14 Nonresident Life & Variable Annuity - 4 credits, 8-15 Nonresident Life, Health & Variable Annuity - 4 credits, 8-16 Nonresident Life - 4 credits, 8-18 Nonresident Life & Health - 4 credits, CE 9911 Senior Suitability - 4 credits, 2-15 & 2-20 Dual License (L, H, VA, P&C) - 4 credits, CE 9901 Generic Life and General Lines - 1 credits, 2-15 & 4-40 Dual License (L, H, VA, CSR) - 4 credits, 2-14 & 4-40 Dual License (L, VA, CSR) - 4 credits, 2-18 & 2-20 Dual License (L, H, P&C) - 4 credits

Any person who holds a license to solicit or sell life insurance in Florida must complete a minimum of 3 hours in continuing education on the subject of suitability in annuity and life insurance transactions. A licensee may use the hours obtained under this course to satisfy the requirement for continuing education in ethics under prior law.

Goals:To provide an in-depth discussion on annuities and how they relate to seniors and the suitability requirements under Florida Law, while meeting these new state requirements. The actual law is quoted, outlining these requirements, giving the financial representative necessary information to stay with-in these guidelines.

Applies to: 2-33 (IF Insurance) - 4 credits, 2-18 (L & H Insurance) - 4 credits, 2-14 (L & VA Insurance) - 4 credits, 2-15 (L, H & VA Insurance) - 4 credits, 2-16 (Life Insurance) - 4 credits, 8-14 Nonresident Life & Variable Annuity - 4 credits, 8-15 Nonresident Life, Health & Variable Annuity - 4 credits, 8-16 Nonresident Life - 4 credits, 8-18 Nonresident Life & Health - 4 credits, CE 9911 Senior Suitability - 4 credits, 2-15 & 2-20 Dual License (L, H, VA, P&C) - 4 credits, 2-15 & 4-40 Dual License (L, H, VA, CSR) - 4 credits, 2-14 & 4-40 Dual License (L, VA, CSR) - 4 credits, 2-18 & 2-20 Dual License (L, H, P&C) - 4 credits

This satisfies two hours of "unauthorized insurance entities".

Course description: The practice of and problems arising from unauthorized insurance institutions have become an ongoing problem for not only consumers, but for agents as well. For consumers, the unpaid claims due to insolvency (arising from the so called "lack of authoritive jurisdiction" by the Florida Department of Financial Services) and for agents, whose liability for unpaid claims is unprecedented.

Goals: With the knowledge from this course, the agent becomes aware of when the insurance is federally or state regulated, protecting him from hefty fines and possible liability for claims. Does the State regulate health insurance, or does ERISA? This course provides the answer to that question.

Applies to: 2-40 (Health Insurance) - 2 credits, 2-33 (IF Insurance) - 2 credits, 2-18 (L & H Insurance) - 2 credits, 2-14 (L & VA Insurance) - 2 credits, 2-15 (L, H & VA Insurance) - 2 credits, 2-20 (P & C Insurance) - 2 credits, 4-40 (Customer Service Represenative) - 2 credits, Adjusters CE9906 - 2 credits, 2-16 (Life Insurance) - 2 credits, 4-10 Title Agent - 2 credits, 20-44 (Personal Lines) - 2 credits, 8-14 Nonresident Life & Variable Annuity - 2 credits, 8-15 Nonresident Life, Health & Variable Annuity - 2 credits, 8-16 Nonresident Life - 2 credits, 8-18 Nonresident Life & Health - 2 credits, 4-41 Administrative Agent - 2 credits, 9-20 General Lines Prop & Cas - 2 credits, 9-40 Nonresident Customer Representative - 2 credits, 8-40 Nonresident Health - 2 credits, 4-20 Solicitor - 2 credits, 90-44 Nonresident Personal Lines - 2 credits, 4-42 Limited Customer Representative - 2 credits, 9-33 Nonresident Industrial Fire & Burglary - 2 credits, 2-15 & 2-20 Dual License (L, H, VA, P&C) - 2 credits, 2-15 & 4-40 Dual

Welcome to this professional continuing education course on Workers Compensation & General Liability Insurance. This course is intended for the practicing insurance professional and not for someone new to insurance.
In this course we will review some of the fundamental concepts to refresh your memory about some of the coverage details you might have forgotten. We will review the forms and provide answers for the most common questions you may encounter from your clients about their policies.
We will discuss the options available to obtain workers comp coverage and the factors that go into the pricing of coverage.
You will read interesting and important case studies to bring this topic to life. Finally, we detail the most recent issues that have come up in the real world of providing these coverages to policyholders, such as medical cost containment, fraud, privacy and medical records, and the implications of terrorism to workers compensation coverage.

Applies to: 3-40 (Health Adjuster) - 10 credits, 3-21 (MV Adjuster) - 10 credits, 3-44 (P&C Adjuster) - 10 credits, 3-24 (WC Adjuster) - 10 credits, 5-20 (Independent All Lines Adjuster) - 10 credits, 6-20 (Company All Lines Adjuster) - 10 credits, 75-20 (Nonresident Ind. All Lines Adjusters) - 10 credits, 5-44 (Adjusters General Liability) - 10 credits, 7-44 (Nonresident Company P&C Adjuster) - 10 credits, 75-44 (Nonresident Ind. P&C Adjuster) - 10 credits, 5-24 (Independent Workers Compensation Adjuster) - 10 credits, 7-20 (Nonresident Company All Lines Adjuster) - 10 credits