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Featuring well-known instructors


Terry Tadlock, CIC, CPCU, CRIS, 
Coastal Plains Insurance

Agency Management Based E&O Ethics, 3 hrs. Ethics
Rather than focusing on what you're doing wrong, this course deals with structuring your agency to reduce the likelihood of having an E&O claim while firmly establishing proper ethical standards. It address issues every organization needs to face such as: Agency Culture, Management Styles, Policy and Decision Making, Team Building and  Ethics through Transparency.

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Business Auto Claims That Cause Problems, 2 hrs. P&C
This course is intermediate level, designed to shed light on the most common mistakes made when insuring commercially owned vehicles.  We will discuss Who is an Insured, Additional Insured Endorsements, Application of Symbols, Employee Hired Auto and don’t forget the biggest E&O exposure of them all, Drive Other Car.

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Commercial Lines Claims That Cause Problems, 2 hrs. P&C
Intermediate level. This course addresses the tough issues that are often not talked about regarding commercial property. Should an agent read leases? What advice should we give? Who should insure the building when the owner leases the building to a tenant? And the most difficult: How to insure tenant improvements and betterments.

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CP Endorsements That Can Make You Money, 2 hrs. P&C 
Learn to better protect your insureds and put additional commission dollars in your pocket. This course covers the Additional Covered Property Endorsement and the Leased Property Endorsement so agents are confident in how they should be used and affect loss valuation so as to cover those exposures not adequately addressed by the Building Personal Property Coverage Form.

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Ethical Issues - Personal & Organizational, 3 hrs. Ethics
Ethics, in the most simplest of terms, is a study of decision making.  Why do people choose to make the right or wrong decision based on a set of circumstances?  What are the factors that affect such decisions?  

The fact is there could be hundreds and they could be different for each person and each decision.  That is why in this three hour course we will only scratch the surface of this issue known as ethical decision making.

 

Home-based Business Exposures, 2 hrs. P&C
More Americans are starting businesses based in their homes. This course will explain the exposures of home businesses and coverage gaps in the Homeowners policy and show you how to fill them.

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Insuring Condominiums2 hrs. P&C
There are three things agents must understand to adequately write insurance for a condominium unit-owner.  This two hour webinar will address all three issues and review the coverages provided in the insurance policy. 

You may have heard the saying “when writing condos... either get in or get out.” Nothing could be more true and we will explain why. 

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Insuring the Property Lease, 2 hrs. P&C
Intermediate level. This course addresses the tough issues that are often not talked about regarding commercial property. Should an agent read leases? What advice should we give? Who should insure the building when the owner leases the building to a tenant? And the most difficult: How to insure tenant improvements and betterments.

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Personal Lines Claims That Cause Problems, 2 hrs. P&C
Insurance is easy until the claim arrives. This course takes a detailed look at some of the more common mistakes made in Personal Lines coverage, and how claims adjusters respond, including:

  • When should kids buy their own insurance?
  • Pizza Delivery
  • Company cars and the PAP
  • Kids at College
  • Extended Non-Owned Coverage
  • Identity Theft
  • Motor Vehicles

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Those Kids and Their Cars, 2 hrs. P&C
One of the most pressing personal lines agents get is “What should I do with my kids?” This course deals with many subjects but none no important than these:

  • Should I take my kids off my policy and insure them under their own policy?
  • Can I be legally liable for the actions of my kids?
  • My kids are going away to college, what should I do?

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Jerry Rhinehart, CIC, CLU, ChFC, RHU

Estate Planning Techniques: Gift, Trusts & Life Insurance, 2 hrs. L&H
This two-hour webcast focuses on the various areas of estate planning including wills, trusts and reducing estate taxes. Proper issuance of life insurance (ownership, beneficiary, etc.) is also discussed.

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Innovations in Long Term Care Funding with Life Insurance, 3 hrs. L&H
This program will review the family dilemma faced by so many – the long-term care, and associated financial and emotional issues needed by a person when they encounter a serious medical issue. 

The cost, advantages and potential problems concerning the three options for care (personal residence, Assisted Care Living facility or Skilled Nursing Facility) will be reviewed as well as recent innovations that have emerged in the last 5 years (or so) regarding Living Benefits Riders (or policy provisions) that allow certain insurance contracts to provided advances against the death benefit to fund for the Long-Term Care dilemma.

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Long Term Care Insurance, 2 hrs. L&H
The primary concerns of someone facing a long-term care dilemma are how much will it cost to provide, the best facility to use and how will we pay for it? This program explores the three options: 1) be rich and self-insure; 2) be poor and let the government handle it 3) be insured and control the options and expenses yourself. 

This program will review the rules, requirements and problems associated with "the government" paying for such care. Also discussed are the advantages, coverage options, riders, current trends, tax rules, underwriting criteria and potential cost of a long term care insurance policy paying for the needed care.

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Retirement Planning & Annuities, 2 hrs. L&H 
This course reviews the advantages and disadvantages of various retirement planning vehicles and concepts.
 
It includes both qualified and non-qualified plans including: IRAs, ROTH, 401k, SIMPLE, SEP, Life insurance, annuities, stocks/bonds and Social Security.
 
The session concludes with a review of annuities: features, tax rules, distribution options and general contract provisions.

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Top 5 Life Insurance Uses, 2 hrs. L&H
This course examines five uses for life insurance for an agent to discuss with both personal- and commercial-lines prospects. The discussion also includes the advantages of life insurance.

  1. Creating an Estate
  2. Paying off the Mortgage
  3. Insuring the Key Person
  4. Funding the Buy-sell Agreement
  5. Providing Tax-Free Retirement Plan for loved ones

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John Eubank, CPCU, ARM

Drones - Problems, Solutions and Insurance, 3 hrs. P&C
Drone (unmanned aerial vehicle) technology is changing so fast that the regulators can’t keep up. As in many states, several statutes are on the books in Florida, with more being proposed. The FAA is trying to determine federal regulations, while the insurance industry struggles with both commercial and personal lines coverages. This session will provide the most current information available on this important and constantly changing subject.

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