FA 257 Essentials of Life Insurance Products

Begins with an overview of the two basic types of life insurance policies — term and whole life — and then builds on that knowledge with an overview of the many product variations sold in today’s markets. The course also explores personal, family, and business uses of life insurance products, as well as policy illustrations, cost comparison methods, income and estate taxation, policy provisions, marketing ideas, and ethical issues facing the financial advisor. Provides a review of the selling/planning process for life insurance product solutions. 000159 FSCP<sup>&reg;</sup> Single Course 5 1.00 Practice Management Professional Designations & Certifications Early Career Professional Yes Yes 0001591 AL AL AR AR AZ AZ CA CA CO CO CT CT DE DE GA GA HI HI IA IA IN IN KS KS KY KY LA LA MA MA MD MD ME ME MI MI MN MN MO MO MS MS MT MT NC NC NE NE NH NH NJ NJ NM NM NV NV NY NY OK OK PA PA PR PR SC SC SD SD TN TN UT UT VT VT WI WI WV WV WY WY ID OR RI TX VA FL IL OH ND WA 5G

FA 222 Essentials of Insurance and Financial Needs

This course teaches multiline insurance professionals to use the periodic financial review to help their property and liability customers obtain the various insurance and other financial products they need to achieve their dreams and protect their income and assets. The course provides an overview for how to establish need, gather and analyze information, and develop recommendations for products in the various levels of the revised financial planning pyramid. Products discussed include: disability income insurance, life insurance, long-term care insurance, mutual funds and annuities. Retirement and estate planning are also covered. 000129 FSCP<sup>&reg;</sup> Single Course 4 1.00 Practice Management Professional Designations & Certifications Early Career Professional Yes Yes 0001291 AL AL AR AR CO CO DE DE GA GA HI HI KS KS KY KY MA MA ME ME MI MI MN MN MS MS NC NC NE NE NH NH NJ NJ NM NM NV NV NY NY OR OR PR PR SC SC SD SD TN TN UT UT VT VT WV WV AZ CA CT IA ID IN LA MD MO MT PA RI TX VA WI FL IL OH WY ND WA OK 5G

HS 331 Planning for the Business Owner and Professional

Focuses on tax and legal aspects of organizing a business; compensation planning for the business owner; business succession planning; buy-sell agreements; estate planning and estate freezing techniques; methods for transferring a family business; lifetime disposition of a business interest. 000026 CLU<sup>&reg;</sup> Single Course 4 1.00 Insurance and Risk Management Professional Designations & Certifications Early Career Professional Mid Career Professional Yes Yes 0000261 AL AL AR AR CO CO CT CT DE DE GA GA HI HI IA IA ID ID KS KS KY KY LA LA MA MA MD MD ME ME MI MI MN MN MO MO MS MS MT MT NC NC NE NE NH NH NJ NJ NM NM NV NV NY NY OK OK OR OR PA PA PR PR RI RI SC SC SD SD TN TN UT UT VA VA VT VT WI WI WV WV WY WY AZ CA IN TX FL IL OH ND WA 20G

HS 324 Legal Aspects of Life Insurance

Examines legal rights and obligations of the policy owner and the insurance company, the way disputes between the insured and insurers are resolved and general principles of the judicial process. Covers legal aspects of life insurance, including basic principles of contract law; policy provisions and the incontestable clause; assignments, ownership rights and creditor rights; beneficiary designations and disposition of proceeds; the law of agency; and advertising and privacy issues. 000014 CLU<sup>&reg;</sup> Single Course 2 1.00 Insurance and Risk Management Professional Designations & Certifications Early Career Professional Mid Career Professional Yes Yes 0000141 AL AL AR AR AZ AZ CA CA CO CO CT CT DE DE GA GA HI HI IA IA ID ID IN IN KS KS KY KY LA LA MA MA MD MD ME ME MI MI MO MO MS MS MT MT NC NC NE NE NE NE NH NH NJ NJ NM NM NV NV NY NY OK OK OR OR PA PA PR PR RI RI SC SC SD SD TN TN UT UT VA VA VT VT WI WI WV WV WY WY MN TX FL IL OH ND WA 28G

HS 323 The Tools and Techniques of Life Insurance Planning

Focuses on life insurance policies and annuities available for the personal needs of individuals and their use in financial planning. Covers individual insurance products, insurance reserves regulation, and the organization, operations, and investments of insurance companies. 000011 CLU<sup>&reg;</sup> FSCP<sup>&reg;</sup> Single Course 7 1.00 Insurance and Risk Management Practice Management Professional Designations & Certifications Early Career Professional Mid Career Professional Yes Yes 0000111 AL AL AR AR AZ AZ CA CA CO CO CT CT DE DE GA GA HI HI IA IA ID ID IN IN KS KS KY KY LA LA MA MA MD MD ME ME MI MI MS MS MT MT NC NC NE NE NH NH NJ NJ NM NM NV NV NY NY OK OK OR OR PA PA PR PR RI RI SC SC SD SD TN TN TX TX UT UT VA VA VT VT WI WI WV WV WY WY MN MO FL WA IL OH ND 28G

HS 377 Financial Planning for Families Caring for Those with Special Needs

Delivered as a live webinar, this course combines self-study material with an interactive learning experience. Team-taught by experts in the field, the course covers issues for special needs individuals who are minors as well as those who are adults. Topics include unique federal income tax issues, the creation and administration of special needs trusts, the ABLE Account, SSI, Medicaid, and disability-related issues. The course incorporates case studies covering both the financial and unique aspects encountered in a special needs planning engagement. Successful completion of this course requires passing the final examination. For an additional tuition amount, professionals who purchase the package will have an opportunity to take the capstone course in a live classroom setting. 000271 ChSNC<sup>&reg;</sup> Single Course 3 1.00 Special Needs Planning Professional Designations & Certifications Advanced Career Professional Mid Career Professional Yes Yes 0002711 AL AL AR AR AZ AZ CO CO CT CT DE DE GA GA HI IA IA ID ID IN IN KS KS MD MD MN MN MO MO MS MS MT MT NC NC NE NE NH NH NM NM NV NV NY NY OK OK OR OR PA PA PR PR RI RI SC SC SD SD TX TX UT UT VA VA VT VT WI WI WV WV WY WY MA WA IL ND 23G

HS 376 Legal and Financial Issues for Special Needs Families

This course covers unique legal techniques and tools that apply to special needs planning. Of particular importance are third-party funded special needs trusts created as part of an estate plan, wills, powers-of-attorney, guardianships, ABLE accounts, and self-settled special needs trusts established under federal and state law. The applicable issues surrounding Social Security and Medicaid are covered. In addition, special income tax topics enable financial advisors to understand and identify tax deductions and/or credits that may be available to families with special needs children and adults. It addresses some unique aspects of the medical expense deduction, the child and dependent care credit, the adoption credit, and the dependency exemption rules define a dependent for families of individuals with special needs. The student will examine some potential alternative minimum tax traps that may affect some of these families. This course builds upon Introduction to Disability (HS 375) by providing the detailed legal and financial considerations crucial to the special needs environment. 000270 ChSNC<sup>&reg;</sup> Single Course 2 1.00 Special Needs Planning Professional Designations & Certifications Advanced Career Professional Mid Career Professional Yes Yes 0002701 AL AL AR AR AZ AZ DE DE GA GA HI HI IA IA KS KS KY KY MD MD ME ME MI MI MN MN MO MO MT MT NC NC NE NE NH NH NJ NJ NM NM NV NV NY NY OR OR PA PA RI RI SC SC SD SD TN TN UT UT WV WV CA CO CT ID IN LA MA MS PR TX VA VT WI WY FL WA IL OH ND 10G

HS 375 Introduction to Disability and Lifetime Planning

This course introduces students to the field of disability and provides an orientation to working with individuals with disabilities and their families. Coursework covers special education basics, relevant disability legislation, disability etiquette, collaboration with families, and lifetime planning. Topics addressed in HS375 include the various categories of disabilities (e.g., intellectual disabilities, autism spectrum disorders, and intellectual disabilities) as well as lifetime planning considerations, such as: employment, housing, state waivers, social security benefits, and more. Required course for the ChSNC designation program, this is an introductory course and can be used as an elective in other programs. This introductory course equips advisors with the foundational tools necessary to be successful in HS376 and HS377. 000269 ChSNC<sup>&reg;</sup> Single Course 1 1.00 Special Needs Planning Professional Designations & Certifications Advanced Career Professional Mid Career Professional Yes Yes 0002691 AL AL AR AR AZ AZ CA CA CO CO DE DE GA GA HI HI IA IA IN IN KS KS LA LA MD MD ME ME MN MN MO MO NE NE NH NH NJ NJ NM NM NV NV NY NY OK OK OR OR PR PR RI RI SC SC SD SD TN TN TX UT UT WI WI WY WY MS VA FL IL ND 10G

HS 347 Contemporary Applications in Financial Planning

This course examines the unique challenges associated with estate planning; special needs; divorce; business succession; behavioral finance; financial plan development; and retirement planning. Up-to-date content and compelling case studies provide students with a complex yet comprehensive understanding of financial planning in these important areas. 000335 ChFC<sup>&reg;</sup> Single Course 10 2.00 Financial Planning Professional Designations & Certifications Early Career Professional Mid Career Professional Yes Yes 0003351 AL AR AR AZ AZ CA CA CO CO CT CT DE DE GA GA HI HI IA IA IN IN KS KS KY KY LA LA MA MA ME ME MI MN MN MO MO MS MT MT NC NC NE NE NH NH NJ NJ NM NM NV NV NY NY OR PA PA PR PR RI RI SC SC SD SD TN TN UT UT VT VT WI WI WV WV WY WY ID MD TX FL WA IL OH ND 15G

HS 311 Fundamentals of Insurance Planning

This course focuses on the role of planning for risk management needs. The topics covered in this course include fundamental principles and characteristics of risk management, credit risk and protection, and the concepts and applications of health insurance, life insurance, disability and long-term care insurance, annuities, property, liability insurance, and social insurance (Social Security).

Learning Objectives
Upon completion of this course, the student will be able to:

  • Demonstrate an understanding of the basic concepts and principles of risk management
  • Compare and contrast the different health insurance options available to clients in the individual and group marketplaces
  • Differentiate among the various types of life insurance, including term and permanent insurance
  • Discuss principles of disability income insurance and its place in insurance planning
  • Discuss the principles of long-term care insurance and its place in insurance planning
  • Demonstrate an understanding of the different types and proper use of annuities in insurance planning
  • Identify the sources and uses of homeowners, property, and liability insurance for both personal and business uses
  • Identify the sources of identity theft, review a consumers credit report, and utilize debt management techniques
  • Demonstrate an understanding of social insurance programs such as the Social Security benefits system
000068 CFP<sup>&reg;</sup> ChFC<sup>&reg;</sup> CLU<sup>&reg;</sup> FSCP<sup>&reg;</sup> Single Course 6 1.00 Financial Planning Insurance and Risk Management Practice Management Professional Designations & Certifications Early Career Professional Mid Career Professional Yes Yes 0000681 AL AL AR AR CO CO DE DE GA GA HI HI KS KS KY KY LA LA ME ME MS MS MS NC NC NE NE NH NH NJ NJ NV NV NY NY OK OK SC SC TN TN UT UT AZ CA CT IA ID IN MA MD MI MN MO MT NM OR PA PR RI SD TX VA VT WI WV WY FL IL OH ND WA 28G
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