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Long Term Care – 8hrs
How has LTC and its need changed over the years. How has home health care and assisted living affected the need?
What is the primary reasons for offering LTC protection? Do we really understand the total problem and how it affects finances, care and family?
This class will first explore the need for LTC. We will look at the current numbers and statistics that affect this issue. We will also look at how the issue affects the family and caregivers. We will then look at how the LTC product can assist the consumer by looking at the different products used and exploring different recommendations for different clients. This class looks at the newer hybrid life products as well as the traditional LTC policy. The class meets the 8-hour as well as the 5-hour CE requirements, in Indiana, to sell LTC.
Professional Liability – 8hrs
Professional Liability: Medical Malpractice – 8hrs
Indiana LTC Partnership Program – 7hrs
Indiana requires that all agents selling the ILTCP take a 7-hour course prior to presenting the product. This class will meet the 7-hour CE requirement. It can also be used to meet the 5-hour CE requirement to maintain your right to sell LTC. The class is designed to explain how the Indiana LTCP works. We will look at Medicaid and how it is involved. We will look at the policy and see how it is designed to work with the state to provide advantages to the consumer. The class will also look at current events and how our plan works with other states.
Long Term Care II – 5hrs
Fraud Awareness – 4hrs
Unfortunately, fraud is a major factor in the insurance industry. There are four types of fraud that affect our industry. Fraud by the customer, the agent, the insurance companies and the service providers.
In this class we will take a close look at fraud. We will define the different types of fraud and its’ consequences. We will look at fraud primarily from three different perspectives. First we will discuss fraud initiated by the customer; what to look for and how to respond to it. We will also discuss fraud perpetrated by the agent. We will look at the traps to avoid and discuss the importance of meeting the responsibilities of the industry in a professional and ethical manner. Last, is fraud from the service providers; contractors, medical, auto, etc. Throughout the class we will explore multiple “red flags” of fraud. The more aware the agent is, the more the agent can be on guard.
Catastrophic Events: Are You Ready? – 4hrs
Personal Auto Policy: Future Industry Trends – 4hrs
Business Owners Policy (Property) – 4hrs
129,000 employ 1-20 people with 379,813 non-employee establishments
There are many small businesses throughout the state of Indiana. The BOP is designed to meet the needs of the small, low risk business. Understanding the BOP is important for the personal lines agent as well as the commercial agent. Many small business owners do not know who to turn to for advice and assistance. Some will seek out a commercial agent and some will seek out their personal lines agent. All agents need to have a good understanding of how this product works. We will look at the policy itself to see what coverages are available and what is not. The more you know, the better job you can do for your clients.