Course names followed by *** are courses approved during this biennial period.  Remember, you may not take
the same course during 2 consecutive biennial periods.

INSURANCE AND CHARITABLE PLANNING*** 4 hours   LA&H

As baby boomers and even those who are younger look forward to retirement, they are looking for ways to make
sure their family is protected and at the same time, give back to society.  This course covers such topics as:
Simple Wills and Gifts, Charitable Gift Annuities, Charitable Remainder Trusts, Annuities for College Education, and
501 C Charitable Foundations. 

1/29     1:15-5:30pm      T      $36

BUSINESS PRACTICES AND CREDIT AND PRIVACY COMPLIANCE –ETHICS*** 4 hours   Ethics

Insurance producers often help us plan and manage our financial stability for the future.  They are also privy to
some of our most personal information.  This course emphasizes that insurance producers are held to the
highest ethical standards.  Some of the topics covered in this course include: Good Business Principles and
Practices, Producers Responsibility to the Insurer, Responsibilities to the Public, suitability and Appropriate
Insurance Sales, The Fair Credit Reporting Act, and the Medical Information Bureau.

2/6     8am-12:15pm      W     $36
4/16   8am-12:15pm     W      $36

LONG TERM CARE    8 hours   LA&H

People are living longer than ever before.  With this longevity, there is often a need for some time of assistance
either in our home or a nursing home facility in our later years.  This course explores how these services may be
partially financed through government programs, insurance policies or out-of-pocket.  Other topics include The
Long Term Care Market and also Taxation of Long Term Care benefits.

4/3     8am-5:30pm     Th     $72

ANNUITIES   8 hours   LA&H

Annuities are sold by life insurance companies.  They are a means of liquidating a sum of money into a stream of
income.  Some of the topics included in this course are Annuity Contract Features and Clauses, Annuity Types
and Innovations, and Annuity Taxation Issues.

2/28     8am-5:30pm     Th      $72

REINSURANCE  4 hours    LA&H or P&C

Reinsurance is a transaction in which a reinsurer, for a consideration, agrees to indemnify a ceding (original)
insurer against all or part of the loss (es) which the latter may sustain under the policy or policies that it has
issued.  Topics discussed include Types of Reinsurance, The Functions and Features of the Reinsurance
Contract, and The Reinsurance Market and Reinsurance Regulation.

3/6      1:15-5:30pm     Th     $36
4/16    1:15-5:30pm      W     $36

ETHICS IN THE INSURANCE INDUSTRY  4 hours  Ethics

“Ethics” is defined by Webster as the system or code of morals of a particular philosophy, religion, group, or
profession.  Ethical behavior for the insurance producer is any action that conforms to the standards of the
insurance industry.  Topics discussed include Areas of Insurer Conduct Regulated, Marketing Ethics Regulated,
and Ethical Duties of the Producer.

1/29      8am-12:15pm     T     $36
3/6        8am-12:15pm     Th   $36

THE REGULATION OF INSURANCE PRODUCERS  4 hours  LA&H or P&C

Insurance is regulated primarily at the state level although there is some federal regulation in certain areas. 
This scope of this course is to discuss both State and Federal Regulation, and The Agency Relationship including
the authority and responsibilities of the producer.

2/6     1:15-5:30pm     W         $36