Insurance Course Descriptions

    #501 (44799) INTRO. TO ESTATE PLANNING (2 credit-hours) 
    This presentation will give an overview of the benefits of estate planning and qualified plan benefits. It will include a discussion of wills and probate, marital property agreements, and living trusts. We will discuss the federal tax system and ways to avoid or reduce federal transfer taxes. In addition, we will review the different types of qualified retirement plans, explain the rules which govern distributions, and outline a variety of ways life insurance can be used to maximize the benefits received from qualified retirement plans.

    #504 (44831) CREATIVE SOLUTIONS TO THE DISABILITY MARKET (2 credit-hours) 
    This program explains the Employer-Sponsored Multi-life Plans (ESMPs) What they are, how to sell them and how to enroll participants.

    #505 (71750) FORM 1040: A WEALTH OF PLANNING OPPORTUNITIES (2 credit-hours) 
    This interactive course will review the information contained in an individual’s income tax return. The discussion will then focus on interpreting this data to better understand your client’s personal preferences and objectives by learning the different types of income, taxable/tax-deferred/tax-free adjustments, and deductible expenses. A better understanding of the tax brackets will be covered. It will provide a unique way to make an impression on your clients through the analysis of this dreaded form and its use as an investment and estate planning tool.

    #509 (57893) PREVENTING BURNOUT- STAYING PRODUCTIVE (2 credit-hours) 
    The objectives of this course are to help you understand what drives burnout inthe 21st Century business climate and how to change and stess impact our health, attitude and productivity. It will help identify early sign of stess & burnout. We will learn tips for managing change & stress and how to stay positive, motivated & productive.

    The small business owner market offers terrific opportunity for effective planning and advice by the insurance professional. In Additions to the more typical coverages involving health insurance, property/casuality and life insurance, the disability insurance needs are often neglected. We will explore the needs, markets, underwriting issues and opportunitites in the Disability Business Overhead Expense and the Disability Buy Out area. The knowledgeable agent can distinguish himself-herself in this market by engaging the client with these topics.

    #512 (41772) AM I 65 ALREADY? (4 credit-hours) 
    The ever evolving and sometimes confusing world of senior health insurance is made easy in this discussion. Medicare Advantage plans along with Medicare Supplement and Part D Drug Plans will be discussed and sorted out. Emphasis on what an individual faces when making a decision on their Medicare Plan choices.

    #513 (36008) LONG-TERM CARE - THE ESSENTIAL COVERAGE FOR THE 21ST CENTURY (4 credit-hours) 
    Graphically explains Aging America and impact on government budgets, taxes, families and jobs. Defines Long Term Care, and discusses odds of needing it, costs of care, average financial exposure. Analyes MEDICARE, its minimal payment for LTC services, what recipients still must pay; MEDICAID/Title 19 qualifications AND pros and cons of divesting assets to qualify in light of Federal law DRA 05; WI regulations for LTC Ins. pruducts; Coverage recommendations and policy options; NEW LTCI Public/Private Partnerships approved by recent State budget. All the basics!

    #514 (39989) ADVANCED LONG-TERM CARE INSURANCE (4 credit-hours) 
    Beyond the Basics:The Details of a Complex Product. Learn to evaluate carriers and their products for the financial security of the company, quality of the contract, the scope of coverage that meets the needs of your specific clients. Learn how to evaluate financial condition; understand contract language related to benefit triggers and claims exclusions, ability to change the contract, underwriting standards, payment for new types of services and facilities; to develop individual policies to meet the conditions and needs of specific clients. Consider agent responsibilities and liabilities in selecting policies/carriers/coverage to protect both you and your clients. Discuss the ethics of selling LTCI; Should your client buy LTCI; What scope of coverage; How much, and with what elimination period; What is the optimum age? Course 513 is strongly recommended as a prerequisite, but not required.

    #515 (41770) PLANNING FOR LONG-TERM CARE: THE NEW REALITY (4 credit-hours)
    So you think day-to-day survival has been challenging? Consider feeling fine one moment and waking up the next day to discover you cannot speak and your right side is immobile. Now the reality of long-term care depends on the planning you have done. This class will review the basics in part one: Medicare, Medicaid, long-term care insurance, and other financial products. We will review kinds of care available, the costs, and sources and resources for help. Part two will address real life applications in a case study format to help find appropriate solutions.

    #516 (45520) LTC: MEDICARE, MEDICAID AND TAXATION (4 credit-hours)
    AARP conducted a survey of members several years ago and discovered that almost 70 percent believed that either Medicare or Medicaid would pay for their long term care. This misinformation and reliance on government programs has fostered a system that encouraged denial. Now things are changing and everyone needs to know the facts. This class will examine how local, state and federal governments address long term care issues. Coverage under Medicare will be explained, including a discussion of future benefits. The old and new Medicaid laws will be covered in detail. In addition, the taxation of long term care insurance will be addressed.

    #517 (46310) ETHICS- WHEN NO ONE IS WATCHING (4 credit-hours)  
    We will define ethics, distinguish between legal, moral and ethical behavior. We will review industry code of ethics/guiding principles,understand how ethics impact the decision making process, identify illegal/unethical insurance marketing & sales practices. And Review case studies.

    #601 (59927) THE ROAD TO FINANCIAL INDEPENDENCE (2 credit-hours)  
    Objectives of this course are: Review basic concepts of spending, saving, investing and protecting your assets; Understand what it takes to become financially independent; Review the 7 essential steps to financial independence; Learn the role of insurance products as an essential part of your planning; Understand how money works and how to become an educated consumer; Learn how to take inventory of your assets and liabilities; Learn the basics of establishing and meeting your financial opjectives.

    The goal of this 8/hr LTC - Partnership training is to provide the training in a way that will help you to educate your clients about LTC products and to better help meet your clients needs. With this knowledge, you will hlep improve the publics view of LTCI and provide an incentive for individuals to take responsibility for planning for their LTC needs. You will receive the WI-DHFS and OCI jointly developed 2/hour program on Medicaid and Partnership ramifications. It will provide you with eye opening facts and an opportunity for discussion.

    This program is designed to identify & discuss the various types & classifications of annuities based on unique identifying characteristics. We will look at the parties to an annuity; annuity contract provisions; income taxations application; primary uses of annuities; sales practices; and replacement & disclosure requirements.

    #702 (71739) LTC - WITH WI. MEDICAID - REFRESHER (4 credit-hours)
    A Review and Update of LTC Ins. Partnership-WI Medicaid Training. It will discuss LTC; public and private funding programs - especially Medicaid; its expected growth and divestiture; DRA-05, its changes in asset divestiture rules, exceptions and penalties; rules for qualification of an LTCI policy as a Partnership Qualified policy; the Mechanisms for achieving Dollar for Dollar asset protection in Partnership states, and Reciprocity and other variations in states approaches to LTC Partnership will take place.