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Georgia INSURANCE CONTINUING
EDUCATION PACKAGES:
Georgia INSURANCE CONTINUING EDUCATION COURSES:
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PACKAGE DESCRIPTION:
- Ethics For Insurance Pros Advanced (10 hours)
- New Employee (3 hours)
- Anti Money Laundering (2 hours)
To view individual course descriptions please click on the the link of the course title.
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This course will provide you with an understanding of basics of consumer protection and the various Federal consumer protection laws. The area of consumer credit is covered in some detail due to it’s over riding influence in our daily lives. The role and activities of the Bureau of Consumer Protection are explored with an emphasis on the financial and marketing practices of the bureau. Also briefly explained are common violations of consumer protection laws.
LEARNING OBJECTIVES:
- Learn what is meant by consumer protection
- Learn about the Federal Trade Commission's Law Enforcement Authority
- Learn about the various areas of consumer protection
- Define what is consumer credit
- Identify the different consumer credit laws
- Learn about the Bureau of Consumer Protection
- Identify the some of the consumer protection violations
- Identify the various divisions operating within the Bureau and their roles
TOPICS COVERED:
- Introduction
- LESSON 1: Federal Trade Commission Act
- LESSON 2 : Areas Of Consumer Protection
- LESSON 3: Consumer Credit
- LESSON 4: Bureau Of Consumer Protection
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This course provides information about innovation, and why is the key to any successful corporate strategy seeking to create long-term, sustainable value. It examines companies who have made innovation a part of their growth strategy, and discusses why each strategy works.
LEARNING OBJECTIVES:
- Understand why physical or financial restructuring may not be enough to build long-term value for your company
- See how successful innovators have created tremendous growth for themselves
- Learn additional strategies that could provide growth and value for your company
- Identify the most essential element of any successful innovation
TOPICS COVERED:
- Introduction
- LESSON 1: Introduction
- LESSON 2: Successful Innovators
- LESSON 3: How Can Your Company Innovate?
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Recent news events have brought to attention the severe legal and audit risks associated with records management programs that are not fully and systematically enforced. This course will cover the critical issues and steps you need to know to establish and enforce a records management program that is simple and legally defendable.
LEARNING OBJECTIVES:
- Define Records Management
- Identify the primary benefits of a records management program
- Learn the basic elements of implementing a records management program
- Explain the lifecycle model
- Identify the rules governing the retention and destruction of records
- Learn about the National Standard
- Identify reasons for establishing a records management program
- Learn about the associated risks
- Identify valuable audit techniques
- Learn about the Corporate Responsibility Legislation
- Identify ways to avoid litigation
- Learn about record naming and retention standards
- Exposure to typical approaches to records control
TOPICS COVERED:
- Introduction
- LESSON 1: What is Records Management?
- LESSON 2: Implementing a Records Management Program
- LESSON 3: Enforcing Records Management
- LESSON 4: Legal Ramifications of Records Control
- LESSON 5: Best Practices of Records Control
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This course (part 1) provides a concise overview of the merger and acquisition process, including the legal process, federal regulations. The course also explains the various advantages and motivations for a company to consider the option of merger and acquisition. The purpose of the course is to give the user a solid understanding of the different legal and regulatory considerations that play a very important part in the M&A decision making.
LEARNING OBJECTIVES:
- To enable the students to understand the basic concept of Mergers & Acquisition
- To appreciate and acknowledge the reasons for the M& A option
- Assist students to understand the overall process of M&A
- The students will be familiarized with the legal and regulatory considerations of M&A
- How agreements of M&A are drawn
- The regulatory & legal environment for M&A
TOPICS COVERED:
- Introduction
- LESSON 1: Basic Concepts
- LESSON 2: Legal Considerations
- LESSON 3: The Regulatory Environment
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Financial institutions are at the forefront of the battle against the money launderers. It is not only their institutions that the money launderers target to use in their various nefarious schemes but under current legislation they are responsible for policing the financial dealings and reporting any suspicious transactions. This course will dwell upon the new regulatory environment of the securities industry vis a vis money laundering, specifically the USA Patriot Act 2001. The course aims to highlight the key aspects of the USA Patriot Act namely, Suspicious Activity Reporting (SAR) and Know your Customer (KYC)
LEARNING OBJECTIVES:
- Understand the scope and effect of Money Laundering.
- Understand the Process and Methodology of Money Laundering.
- The impact of money laundering on the Operations and responsibilities of Financial Institutions.
- The regulatory environment vis a vis Money Laundering for the securities industry.
- The establishment of the Anti Money Laundering Program for securities firms.
TOPICS COVERED:
- Introduction
- LESSON 1: Money Laundering Defined
- LESSON 2: Effects of Money Laundering
- LESSON 3: Federal Money Laundering Laws for Securities Firms
- LESSON 4: The USA Patriot Act
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This course covers the basic concept of ethics with a detailed definition and what it entails. We will discuss the role of ethics in our personal as well as professional lives and the challenges faced. We will also discuss the core ethical values and how rationalization is used as a common tool. Finally, we will talk about the framework of ethical decision-making and conclude with a brief discourse on ethics and conflict of interests.
LEARNING OBJECTIVES:
- Define ethics and emphasize on the various principles involved.
- Discuss the ways in which we can incorporate ethical values in our personal and professional lives.
- Briefly define the major themes in ethical philosophy.
- Fully understand the core ethical principles and values and the use of rationalization.
- Elaborate on the framework for ethical decision-making.
- Define the key elements of a conflict of interest.
TOPICS COVERED:
- Introduction
- Lesson 1: How We Live
- LESSON 2: Role of Ethics
- LESSON 3: Ethics Philosophy
- LESSON 4: Ethics VS Values
- LESSON 5: Rationalization
- LESSON 6: Ethical Decision-Making
- LESSON 7: Ethics and Conflict of Interest
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This course provides a basic understanding of how to use ratio analysis for evaluating financial performance. It discusses the scope, significance and calculation of ratios whose understanding is key to evaluating the financial strength of a company.
LEARNING OBJECTIVES:
- Appreciate the significance of using ratios
- Understand Return on Equity and its components
- Understand, calculate and use Liquidity Ratios
- Understand, calculate and use Asset Management Ratios
- Understand, calculate and use Profitability Ratios
- Understand, calculate and use Leverage Ratios
- Understand, calculate and use Market Value Ratios
- Compare financial statements
TOPICS COVERED:
- Introduction
- LESSON 1: RETURN ON EQUITY
- LESSON 2: LIQUIDITY RATIOS
- LESSON 3: ASSET MANAGEMENT RATIOS
- LESSON 4: PROFITABILITY RATIOS
- LESSON 5: LEVERAGE RATIOS
- LESSON 6: MARKET VALUE RATIOS
- LESSON 7: COMPARING FINANCIAL STATEMENTS
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This course provides an overview of concepts related to the management of capital. The cost associated with capital is rarely reflected on the Income Statement. Accordingly, many financial managers mistakenly think there is no cost of capital. Therefore, one of the first steps in managing capital is to calculate the cost of capital. The course illustrates how cost of capital is calculated as the weighted average of each capital component - long-term debt, common stock, preferred stock, and retained earnings.
LEARNING OBJECTIVES:
- The Economics of Capital
- Basic Considerations in Managing Capital
- Approaches to Managing Capital
- Over All Cost Capital Calculation
- Cost of Equity and Risk
- Factors In Decision Making
- Refinancing Risk
- Inflation
- Floatation Cost
- Marginal Cost of Capital
- EBIT / EPS Comparison
- Assessing Risk
- Targeted Debt Levels
- Investment Bankers
- Initial Public Offerings (IPO’s)
- Private Placements
TOPICS COVERED:
- Introduction
- LESSON 1: BASIC CONCEPTS AND THEORIES
- LESSON 2 : CALCULATING THE COST OF CAPITAL
- LESSON 3: THE FINANCING DECISION
- LESSON 4: THE FINANCIAL MARKETPLACE
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This course helps provide further understanding of the Merger and Acquisition process, highlighting the due diligence required and the consequences of not conducting a deep and thorough due diligence before and during the merger and acquisition procedure. The students will also understand the different steps required for the valuation of the Target Company and the financial understanding required by the students of Mergers & Acquisitions.
LEARNING OBJECTIVES:
- To enable the student understand the importance of due diligence.
- To appreciate the reasons for what can go wrong while carrying out due diligence.
- The crucial aspect of reworking the financials in the due diligence process.
- How to opt to go beyond the financials to have an in-depth due diligence of the M&A process.
- And the concept of Reverse Mergers.
- The students will be familiarized with the Income streams relevant to valuation concepts and standards.
- The method for conducting valuation called Free Cash Flow.
- Discount Rate
- Basic Applications
- Valuation Standards
TOPICS COVERED:
- Introduction
- LESSON 1: Due Diligence
- LESSON 2: Valuation Concepts & Standards
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This course continues with an overview of the merger and acquisition process, including the valuation process, post merger integration and anti-takeover defenses. The purpose of this course is to give the user a solid understanding of how mergers and acquisitions work. This course deals with advanced concepts in valuation.
LEARNING OBJECTIVES:
- Understanding some of the risk factors associated with post merger integration through the valuation process
- How to successfully improve and implement the Post Merger Integration
- Identifying a number of measures that can be employed for preventing a merger.
TOPICS COVERED:
- Introduction
- LESSON 1: The Valuation Process
- LESSON 2: Post Merger Integration
- LESSON 3: Anti-Takeover Defenses
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The peril of liability is one of the most severe risks facing any organization today. Operating an organization without liability insurance puts owners at risk. Learning about liability insurance is a great way to prolong the life of your organization! This course covers broad issues of liability insurance and Workers' Compensation.
LEARNING OBJECTIVES:
- The basics of commercial liability insurance
- Commercial liability insurance coverage
- Commercial liability insurance policy
- The basics of worker's compensation and employers liability insurance
- Worker's Compensation and employers liability insurance policy
TOPICS COVERED:
- Introduction
- LESSON 1: The Basics of Commercial Liability Insurance
- LESSON 2: Commercial Liability Insurance Coverage
- LESSON 3: Commercial Liability Insurance Policy
- LESSON 4: Workers’ Compensation and Employers Liability Basics
- LESSON 5: Workers' Compensation and Employers Liability Insurance Policy
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This course focuses on are the proper methods of holding legal title to property during your life, and passing your estate on to your heirs in a manner and timing of your choosing, all with minimum taxes and intervention by the legal system. It begins with a consideration of the estate planning process and the documents of transfer. The course then addresses the transfer tax system and the calculation of an individual’s estate tax liability. Estate planning techniques such as trusts, marital and charitable deduction vehicles, and intra-family business and property transfers are then discussed. The course ends with a consideration of post-mortem tax planning.
LEARNING OBJECTIVES:
- To learn what comprises a taxable estate for federal tax purposes
- To learn how estate tax liability is calculated
- To learn how the various tools and techniques of estate planning can be used to manage and dispose of one’s property according to his or her wishes, while minimizing federal transfer taxes.
TOPICS COVERED:
- Introduction
- LESSON 1: The Estate Planning Process And Documents Of Transfer
- LESSON 2: Unified Transfer Tax System And Generation Skipping Transfer Tax (GSTT)
- LESSON 3: Trusts
- LESSON 4: Marital Deduction Planning
- LESSON 5: Charitable Deduction Planning
- LESSON 6: Intra-Family Business And Property Transfers
- LESSON 7: Post-Mortem Estate Planning
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As a new employee to the insurance industry you may find yourself overwhelmed with understanding the components of the industry and the terminology being used around you. This course will provide you with an understanding of the general make up of the industry and the terminology in order for you to do your job well.
LEARNING OBJECTIVES:
- Learn the basic concepts of insurance
- Learn insurance terms
- Define who needs insurance
- See how an insurance agency is organized
- Learn about continuing education, errors & omissions
- Define what makes a valuable employee and explore future career opportunities
- Obtain valuable insurance resource information
TOPICS COVERED:
- Introduction
- LESSON 1: Purpose of Insurance
- LESSON 2 : Independent Insurance Agency System
- LESSON 3: You and Your Agency
- LESSON 4: Being an Insurance Professional Part 1
- LESSON 5: Being an Insurance Professional Part 2
- LESSON 6: Continuing Education
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This course is a concise and practical guide to what every insurance professional should know about the law of Wills and Trusts - as well as a range of other matters – while advising others. Before and during the design of a client’s estate plan, the professional can provide value as part of the advisor team. In a great many scenarios, life insurance products can play a critical role in assuring the financial security the client is looking for. It is the professional’s job and duty to how explain how and why. Getting to a trusted position where that is possible, however, is the challenge. This course is based on real questions, concerns and issues encountered over many years, among people at all economic levels, from modest to quite substantial. There is no better way to build trust, confidence and respect than becoming a source of knowledge on the topics and issues presented here. There is an unfortunate, widespread misconception that wills, trusts and estate planning are subjects of interest only to the wealthy. In fact, an estate plan provides the legal mechanism for disposing of property upon death in a way that recognizes wishes and the needs of one’s survivors, while minimizing taxes. Too often, however, estate planning is equated with just estate tax planning. Professionals should be sensitive to personal, non-financial issues that are usually of a higher priority. For many, estate planning involves, even more importantly, planning for the handling of affairs in case of disability, and the deeply personal medical choices to be made as life nears its end. Estate planning is not just for rich people. Wills and Trusts are just tools in a larger process. You must be careful not to give legal advice, of course. But you can provide a great service simply by explaining, in general terms, how “the moving parts” work together.
LEARNING OBJECTIVES:
- Learn the various methods of disposition of property, with or without a will.
- Learn what the consequences are when one dies intestate.
- Be familiarized with the format of a valid will.
- Know the intricacies of the probate process.
- Learn the duties associated with the role of an Executor.
- Be familiarized with the concept of a trust and its variations.
- Know the advantages and disadvantages of a simple, living trust.
- Learn about the ways of disposing property outside of probate.
- Knowledgeable about the various tax issues.
- Be conversant with ways to use life insurance in estate planning.
TOPICS COVERED:
- Introduction
- LESSON 1: The Disposition Of Property, With Or Without A Will
- LESSON 2: The Probate Process
- LESSON 3: Trust Basics
- LESSON 4: The Simple Living Trust
- LESSON 5: Comparing Simple Living Trusts And Wills
- LESSON 6: Disposition Of Property Outside Probate
- LESSON 7: Tax Issues
- LESSON 8: Other Elements Of The Estate Plan
- LESSON 9: Using Life Insurance In Estate Planning
- LESSON 10: Specialized Trusts And Estate Planning Tools
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This course is designed to encompass key issues in the business of agency operations. It looks at the various aspects of risk management, and outlines the workings of the insurance markets as they exist today. To highlight the importance of procedural issues, the course also focuses on issues of Errors and Omissions, and links the same to various aspects of the agency business.
LEARNING OBJECTIVES:
- Learn about Insurance Agency Operations
- Familiarize the student with the concept of Risk Management, its purposes and implementation process within the Agency
- Educate the student about different types of insurance markets as well as insurance company evaluation
- Familiarize the student with the ethical and legal responsibility pertaining to Insurance Agency Operations
- Learn about sales and marketing within the agency
- Familiarize the student with Errors & Omissions, and with E&O planning
- Understand agency finances including financial management, accounting records, agency accounting and etc.
TOPICS COVERED:
- Introduction
- Lesson 1: DEALING WITH RISK
- Lesson 2: KEY ELEMENTS OF THE RISK MANAGEMENT PROCESS
- Lesson 3: INSURANCE MARKET CLASSIFICATIONS
- Lesson 4: ETHICS AND LEGAL RESPONSIBILITY
- Lesson 5: SALES AND MARKETING
- Lesson 6: ERRORS & OMISSIONS
- Lesson 7: AGENCY FINANCES
- LESSON 8: Insurance Regulation
- LESSON 9: Policy Illustrations
- LESSON 10: Consumer Protection in the Insurance Industry
- LESSON 11: Regulation of Insurance Trade Practices
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This course provides a concise overview of how financial management is used to create higher market values for an organization. Since the information contained within these lessons deals with advanced topics, the user should have a good working knowledge of both accounting and financial management prior to taking this course. Creating Value Through Financial Management is recommended for 6 hours of Continuing Professional Education.
LEARNING OBJECTIVES:
- How to move your company into more value-added activities
- How to break the accounting habit, and why you should
- How to understand the difference between cash-flow and earnings
- How to look for value that is not on the Balance Sheet
- How to restructure a company
- Is a merger the right plan?
- How to initiate Value Based Management in your company
- How to measure the creation of value
- How to use innovative strategizing to create real value
TOPICS COVERED:
- Introduction
- LESSON 1: The New Role of Finance
- LESSON 2: Value-Based Management
- LESSON 3: Measuring Value
- LESSON 4: Real Sources of Value
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APPROVAL # 46791
This course covers broad issues on Employment and Labor laws as it applies to Insurance Agencies. It covers issues on pre and post employment procedures, employee agent/agency staff/agency staff and employer/agency rights and interviewing strategies in order to avoid claims and suits. Further, it puts emphasis on real world issues related to the employment laws.
LEARNING OBJECTIVES:
- INTERVIEWING STRATEGIES
- UNDERSTAND EMPLOYER AGENCY RIGHTS FOR REQUESTING AND DISSEMINATING EMPLOYEE REFERENCES
- EMPLOYMENT VERIFICATION REQUIREMENTS; DO'S AND DON'TS
- DRUG TESTING & PHYSICAL EXAMINATIONS
- EMPLOYMENT AT-WILL DOCTRINE
- DISCRIMINATION PRINCIPLES
- RETALIATION
- HARASSMENT
- AMERICAN WITH DISABILITIES ACT
- FAMILY AND MEDICAL LEAVE ACT
- INVESTIGATING EFFECTIVELY AND WITHIN THE LAW
- EFFECTIVE DISCIPLINARY POLICIES
TOPICS COVERED:
- Introduction
- LESSON 1: Labor and Employment Law
- LESSON 2: Interviewing Strategies
- LESSON 3: Employment References
- LESSON 4: Employment Verification Requirements of Employers
- LESSON 5: Drug Testing And Physical Examinations
- LESSON 6: Is There Really Still Employment-At-Will?
- LESSON 7: Discrimination Principles
- LESSON 8: Retaliation
- LESSON 9: Harassment
- LESSON 10: Americans With Disabilities Act (ADA)
- LESSON 11: Family Leave and Medical Leave Act (FLMA)
- LESSON 12: Investigating Effectively and Within The Law
- LESSON 13: Effective Disciplinary Policies
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This course focuses on are the proper methods of holding legal title to property during your life, and passing your estate on to your heirs in a manner and timing of your choosing, all with minimum taxes and intervention by the legal system. It begins with a consideration of the estate planning process and the documents of transfer. The course then addresses the unified transfer tax system and the calculation of an individual’s estate tax liability. Estate planning techniques such as trusts, marital and charitable deduction vehicles, and intra-family business and property transfers are then discussed. The course ends with a consideration of post-mortem tax planning.
LEARNING OBJECTIVES:
- Outlines the need for and the elements of the estate planning process.
- Establishes estate planning strategies.
- Overview of the Federal Gift tax system.
- Introduces gross estate and valuation techniques.
- Explains the purpose and function of the Federal Estate Tax.
- Explain the purpose and function of trusts.
- Outlines marital deduction planning.
- Outlines charitable deduction planning.
- Addresses estate planning issues for business owners.
- Outlines post-mortem estate planning.
TOPICS COVERED:
- Introduction
- LESSON 1: The Estate Planning Process And Documents Of Transfer
- LESSON 2 : Unified Transfer Tax System And Generation Skipping Transfer Tax (GSTT)
- LESSON 3: Gifts And Federal Gift Taxation
- LESSON 4: The Gross Estate And Valuation Techniques
- LESSON 5: Calculation Of Federal Estate Tax Liability
- LESSON 6: Trusts
- LESSON 7: Marital Deduction Planning
- LESSON 8: Charitable Deduction Planning
- LESSON 9: Intra-Family Business And Property Transfers
- LESSON 10 Tax Planning for Estates of Varying Sizes
- LESSON 11: Post-Mortem Estate Planning
- LESSON 12: Conclusion
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In this course we do not intend to create a complex, philosophical, intellectual debate on current ethical considerations. Rather, we will present a practical discussion of business ethics with specific examples taken from the insurance industry. The course addresses the complexities of ethical decision making in today's insurance environment. It suggests ways for insurance producers to establish ethics in the work place and thereby take a step toward reducing the possibility of questionable practices and wrongdoing.
LEARNING OBJECTIVES:
- Learn the basic concepts of ethics.
- Learn about professionalism and ethical standards.
- Learn to differentiate between ethics and values.
- Define what is meant by conflict of interest.
- Define the steps involved in ethical decision making
- Learn the intricacies of the insurance product
- Understand the responsibilities if an insurance professional
- Learn about the disclosures involved in policy illustrations
- Understand the standards of consumer protection in the insurance industry
- Understand the various regulations of insurance trade practices
TOPICS COVERED:
- Introduction
- LESSON 1: Introduction
- LESSON 2 : Role of Ethics
- LESSON 3: Ethics Vs. Values
- LESSON 4: Resolving Ethical Dilemmas
- LESSON 5: Ethical Decision Making
- LESSON 6: Nature of the Insurance Product
- LESSON 7: The Insurance Professional
- LESSON 8: Insurance Regulation
- LESSON 9: Policy Illustrations
- LESSON 10: Consumer Protection in the Insurance Industry
- LESSON 11: Regulation of Insurance Trade Practices
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