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•• Agent State Continuing Education CPIA Credits ••
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Click on COURSE NAME for description.
Course Type
Course Name
Course ID Hours Format
PC 2000 CHANGES IN HOMEOWNER PROGRAM

To acquaint the participant with the ISO 2000 Homeowners planning process. Probate is the most difficult and costly means of estate distribution. Helping clients set up Living Trusts will ease that experience. Insurance plays a part in this estate planning program.

34557 3 Classroom
PC ADDITIONAL CL EXPOSURES

Commercial risks contain various exposures of which agents and clients should be aware. This half-day program offers information on WC, Crime, Boiler & Machinery, Valuable Papers, Accounts Receivable, Equipment Floater and EDP coverages and exposures.

34580 4 Classroom
PC ADDITIONAL PL EXPOSURES

This program is designed to help the agent identify the unique features of and proper methods of insuring the following additional personal lines exposures: Wood (solid fuel) heating devices, Recreational vehicles including watercraft, Farm exposures, business in the home, and home Day Care businesses.

29680 7 Classroom
Life/Health ADVANCED CHARITABLE BRAINTEASERS

Common Problems and Uncommon Solutions
As more clients seek tax-effective ways to manage and distribute their wealth, it’s increasingly important to offer charitable planning recommendations that match their individual needs. In this highly interactive session, distinct case studies that include complex charitable planning dilemmas and solutions will be presented. Using a cross-disciplinary approach touching on legal, tax, investment and financial planning techniques unique to each charitable case. Charitable solutions that can be readily employed with clients to better serve their unique and diverse interests.

50362 2 Classroom
LH ADVISOR'S ROLE IN PHILANTHROPY

Designed for advisors who work in the area of philanthropy, this program will share what is important for advisors to know to discuss this arena with clients.

3 Classroom
Either AGENCY OPERATIONS

A program on agency operations that discusses the insurance marketplace and its distribution systems, information on accounting functions and reports and structuring an insurance agency to minimize Errors and Omissions.

54304 3 Classroom
Either AGENTS RESPONSIBILITIES

Today’s society is very litigious and agent’s have more and more responsibilities to various entities; not being aware of them can cause E & O situations and losses. This program will help agents become aware of their legal and ethical responsibilities within the insurance industry and today’s society.

40300 2 Classroom
PC AINS 21 PROPERTY & LIABILITY PRINCIPLES

One of the three courses in the General Insurance Program of the Insurance Institute of America. The Program in General Insurance (AINS) provides a solid foundation on which to build an insurance career. The courses cover insurance principles, practices, and policies in depth. In this program the participants receive an overview of property and liability insurance. Insurance exposures covered under sections I & II are studied.
NOTE: Offered in classroom and self-study formats

55585 21 Classroom
PC AINS 21 PROPERTY & LIABILITY PRINCIPLES

One of the three courses in the General Insurance Program of the Insurance Institute of America. The Program in General Insurance (AINS) provides a solid foundation on which to build an insurance career. The courses cover insurance principles, practices, and policies in depth. In this program the participants receive an overview of property and liability insurance. Insurance exposures covered under sections I & II are studied.
NOTE: Offered in classroom and self-study formats

55586  21   Self-Study
Both AINS 22 PERSONAL INSURANCE

One of the three courses in the General Insurance Program of the Insurance Institute of America. The Program in General Insurance (AINS) provides a solid foundation on which to build an insurance career. The courses cover insurance principles, practices, and policies in depth.In this program the participants receive an overview of property and liability insurance. Insurance exposures covered under sections I & II are studied.
NOTE: Offered in classroom and self-study formats

50427 15 PC, 6 LH Classroom
Both AINS 22 PERSONAL INSURANCE

One of the three courses in the General Insurance Program of the Insurance Institute of America. In the program the participants will learn about loss exposures faced by individuals and families and the various kinds of insurance available to protect against financial consequences of personal losses. The three chapters of Life and Health coverage of the course are what this CE is based on.
NOTE: Offered in classroom and self-study formats

50428 15 PC, 6 LH Self-Study
PC AINS 23 - COMMERCIAL INSURANCE

One of the three courses in the General Insurance Program of the Insurance Institute of America. In the program the participants receive an overview of commercial insurance and insurance as a risk management technique. Insurance exposures covered under sections I & II are studied. This total course is thirteen chapters dealing with commercial insurance issues and coverages. This course is preparation for the AINS 23 National Exam offered by the Insurance Institutes.
NOTE: Offered in classroom and self-study formats

54319 21 Classroom
PC AINS 23 - COMMERCIAL INSURANCE

One of the three courses in the General Insurance Program of the Insurance Institute of America. In the program the participants receive an overview of commercial insurance and insurance as a risk management technique. Insurance exposures covered under sections I & II are studied. This total course is thirteen chapters dealing with commercial insurance issues and coverages. This course is preparation for the AINS 23 National Exam offered by the Insurance Institutes.
NOTE: Offered in classroom and self-study formats

54320 21 Self-Study
Health ALTERNATIVES IN HEALTH CARE

This program provides participants with a working knowledge of the changes in the health care industry. Alternative means available to help employers and employees deal with costs and coverages will be presented. Section 125 of the IRS code, HRAs and HSAs will be discussed.

50426 2 Classroom
PC ANALYZING HOMEOWNERS EXPOSURES

This class focuses on the importance of uncovering exposures and offering appropriate coverage to the Personal Lines insured. Participants will learn to reveal the insurance needs of individual customers and apply appropriate forms and endorsements to provide the needed coverages by use of such tools as checklists, renewal letters, etc .

69161 3 Classroom
LH ANALYZING INSURANCE COMPANIES LH

Determining the financial health of an insurer requires a basic understanding of insurance company financial statements. Agents will learn to understand what information is conveyed in the annual statements to fulfill their obligation to place business with a solvent insurance company. Additionally, this seminar will help agents learn the difference between financial statements prepared under statutory rules and those prepared under generally accepted accounting principles. Knowing what is being reported and how those reports are constructed is the first step in a financial analysis of an insurer.

25353 13 Classroom
PC ANALYZING INSURANCE COMPANIES PC

Determining the financial health of an insurer requires a basic understanding of insurance company financial statements. Agents will learn to understand what information is conveyed in the annual statements to fulfill their obligation to place business with a solvent insurance company. Additionally, this seminar will help agents learn the difference between financial statements prepared under statutory rules and those prepared under generally accepted accounting principles. Knowing what is being reported and how those reports are constructed is the first step in a financial analysis of an insurer.

25364 13 Classroom
Life ANNUITIES

This program describes annuities, their uses and tax implications. The types of annuities, who should consider them and contract provisions, are all part of the program.

38467 2 Classroom
PC APPLICATION FRAUD

This course provides guidelines and tools that can help insurance agents recognize and counter fraud indicators when writing property/casualty insurance.

58608 1 Classroom
PC AU 65

AU 65—Commercial Underwriting: Principles and Property: Fundamentals of Underwriting, Underwriting Information, Financial Analysis, Pricing, Underwriting Direct Exposures, Construction, Occupancy, Protection and External Exposure, Indirect Loss Underwriting, and Commercial Crime Insurance.

52706 21 Self-Study
PC AU 66

Commercial Underwriting: Liability and Advanced Techniques: Legal Foundations, General Liability, Commercial Auto, Workers’ Compensation, Professional Liability, Reinsurance, Ratemaking, Designing Underwriting Policy, and Quantitative Techniques for Underwriters

59715 21 Self-Study
Either AUTOMATION E & O

This course begins with the history of agency management systems and goes on to present information about using such systems within an agency. Potential problem areas and suggest procedures are included in the presentations.

33887 2 Classroom
PC BASIC RISK MANAGEMENT

Information is presented that defines loss exposure and pure versus speculative exposures. Identifies risk, the principles of risk management and describes the risk management.

23094 2 Classroom
PC BASIC RISK MANAGEMENT FOR AGENTS

This course on Basic Risk Management is designed to help producers and other insurance professionals understand how insurance factors into a client's total Risk Management process. Participants will have a basic understanding of Risk Management, Risk Identification, Risk Analysis, Control of Risk, Financing of risk including how insurance plays a role in the financing of risk and Risk Administration.

60579 3 Classroom
Health BASICS OF HEALTH INSURANCE

This course will serve as an introductory course for the new health agent or will provide a review of the basics for the experienced agent.

22132 3 Classroom
Life BASICS OF LIFE INSURANCE

This is a basic course designed for the entry level agent or for the agent who is looking for a refresher course on the essential elements of life insurance contracts.

37299 4 Classroom
Either BECAUSE IT CAN'T HAPPEN TO ME

Participants will develop a working knowledge how to protect their computer network. In this day of insurance agency management via the internet and company websites - it is important for the procedures of the agency be designed to protect consumer information. Information on the exposures and ways to protect customer data are presented.

60114 3 Classroom
Either BECAUSE IT’S THE LAW

In this program, insurance professionals will discuss insurance law, the legal system that constantly interprets and adjusts the law, and some actual case studies that have had significant influence on insurance companies, agents, and the insurance buying public. This course is based on the premise: “To stay out of trouble one must take the trouble to learn about insurance products and insurance law.”

57698 3 Classroom
PC BOILER & MACHINERY

A primer on Boiler and Machinery Insurance. We will explain how this coverage evolved; present the different formats and their advantages and disadvantages. Basic policy components and how to establish proper limits will be presented along with basic information about rating and underwriting.

27184 3 Classroom
PC BOND EXPOSURES & COVERAGES

This course will serve to familiarize agents with all aspects of bond lines, including fidelity, contract surety, other (noncontract) surety and fiduciary liability.

27194 4 Classroom
PC BORN TO BE WILD, BUT STILL COVERED

An analysis of motorcycle policy exposures and policy provisions. Today, it seems like everyone knows someone who rides motorcycles. There are nearly 250,000 registered motorcycles in Michigan, all of them need coverage to be operated legally on our roadways. You may sell motorcycle insurance, but how much do you really know about the policy that provides coverage for your insured? This class will examine differences in policy provisions and equip you to analyze the coverage you are offering your insured.

61861 2 Classroom
PC BUSINESS AUTO POLICY

The purpose of this course is to give the participant a working knowledge of ISO’s Commercial Auto Policy and various endorsements.

54312 3 Classroom
PC BUSINESS IN THE HOME

This program is designed to help attendees understand the exposures that are indicative of businesses run out of the home. In today’s economic climate, this is an ever increasing situation. We will identify the exposures, the short-comings of insuring them on the standard homeowner’s policy and identify ways to insure these risks.

60770 2 Classroom
PC BUSINESS INCOME

This program is designed to help the agent understand the elements of and proper methods of insuring risks which have time element exposures. The Time Element Coverage Form will be thoroughly discussed along with additional coverages, extra expense and coinsurance as it applies to Business Income. Various methods of handling the risk such as Maximum Period of Indemnity, Monthly Limit of Indemnity and Agreed Value will be presented including a look at Blanket Business Income Coverage.

29855 7 Classroom
Life/Health BUSINESS NEEDS - LIFE AND HEALTH

This course is designed to present information on fulfilling the basic life and health needs of businesses. The information presented will help participants speak with clients regarding the protection of their assets through conscientious insurance planning.

39008 4 Classroom
PC BUSINESSOWNERS POLICY

This program is designed to help the attendee understand the exposures that are eligible to be insured under a Businessowners’s Policy. The BOP policy Sections will be discussed along with Who is Insured and the Exclusions. This presentation will help attendees understand the BOP policy and how it can fit their client's needs.

40474 4 Classroom
PC CAUSES & CONSEQUENCES

This class focuses on the causes of E&O losses in your office and how to apply loss control measures to reduce your E&O exposure. The class concludes with a case study Mock E&O Trial, in which members of the class play various roles in a fictitious E&O trial. The remainder of the class act as the "jury", helping to determine the fate of the accused agent. Educational.....enlightening.....entertaining! A great way to increase E&O awareness in your agency.

58722 4 Classroom
PC CGL & UMBRELLA SEMINAR

Activities and discussions will be presented around this information. They are designed to help participants gain knowledge they can use to be better agents. Armed with the knowledge, they will be better equipped to assist their clients to provide adequate protection.

59740 3 Classroom
PC CGL BASICS

The course is designed to provide attendees with an understanding and explanation of law and liability exposures of businesses. The course will present the sources of the Commercial General Liability contract including an explanation of both the occurrence and claims made forms.

57697 4 Classroom
Life CHANGES, CHANGES, EVERYWHERE

This topic addresses the planning changes brought about by the new tax law and offers a practical perspective. It presents technical concepts in the context of everyday planning needs to focus professionals on charitable solutions for common planning objectives. Focus will be on how to take old tools and make them work under the new rules. There will be an emphasis on articulating goals, working with retirement plans, accelerating gifts to maximize income tax and drafting to plan for the tax in effect in the year of death.

35308 3 Classroom
Either CHANGING THE WAY WE DO BUSINESS

Attendees at this program will learn about the required changes in the way we sell and service insurance as a result of the following legislative actions: Producer Model Licensing Act, The Patriot Act, Gramm-Leach-Bliley, HIPAA privacy regulations, Sarbanes-Oxley as well as the impact of the Eliot Spitzer investigations and the resulting state regulatory changes. E & O practices that can be achieved through automation to help with these actions will be explored.

50431 3 Classroom
Life CHARITABLE ESTATE PLANNING

The course will help attendees help their clients with the charitable estate planning process. It will identify the types of charitable gifts that provide the greatest income and estate tax savings. It will demonstrate how best to distribute wealth and assets – to family, charitable gifts and charitable remainder trusts. Participants will learn how to plan for maximum tax benefits from lifetime charitable gifts with an emphasis on FLIP unitrusts and other CRT developments.

33889   Classroom
Either CHOICE, CHANCE, CONTROL

Insurance touches all of our lives; its impact, theories and applications to life are presented here. Designed to help with the understanding of the basic principles and the language of insurance and risk. Basic insurance terms are identified and defined and examples are given of how insurance and insurance principles play a role in everyday life.

  56903 Classroom 
PC CLAIMS OPERATIONS

This course gives a view of the claims operation. Items of discussion will include Objectives of the claims department, The Claims environment, Organization of the claims function, The adjusting Process, Measuring claims performance and a look at P/C claims adjusting.

58607 2 Classroom
PC COMMERCIAL AUTO AND WC SEMINAR

Activities and discussions will be presented around this information. They are designed to help participants gain knowledge they can use to be better agents. Armed with the knowledge, they will be better equipped to assist their clients to provide adequate protection.

59738 3 Classroom
PC COMMERCIAL AUTO COVERAGE

The purpose of this course is to give the participant a working knowledge of ISO’s Commercial Auto Policy, various endorsements and ISO’s Garage Policy.

17264 Classroom 
PC COMMERCIAL GENERAL LIABILITY

Participants in this course will be given an overview of liability in the US and a general description of the CGL policy format, the coverage form and endorsements.

17234 5 Classroom
PC COMMERCIAL INSURANCE - THE CGL

To provide an understanding and explanation of law and liability exposures of businesses. The course will then study the sources of the Commercial General Liability contract both the occurrence and claims made forms.

18694 3 Classroom
PC COMMERCIAL PROPERTY

This presentation will provide participants with an understanding and explanation of the modular concept of packaging insurance policies and the commercial property forms. Upon completion the participant will be able to identify the coverage provided, limitations and exclusions in the major commercial property forms.

39007  4 Classroom 
PC COMMERCIAL UMBRELLA POLICY

The purpose of this course is to provide information to the participants on the basic features and elements of Commercial Umbrella Policies With this basic information, the attendee will be able to compare umbrellas to determine the most appropriate policy for insureds.

17204 1 Classroom
PC COMPLETE CGL

Participants in this course will be given an intense overview of the CGL policy and a study of the policy format, the coverage form by section and endorsements. Included is a review of the “Duty to Defend” controversy as it pertains to the CGL.

19994 8 Classroom
PC COMPLETE COMMERCIAL AUTO SUBMISSION

Designed to give the participant the tools to understand the underwriting information required in a submission to properly cover and price the commercial auto risk, based on the various exposures and lines of business. Time will be sent going through various types of risks, business auto, and public auto and for hire transportation. The application, drivers list, loss runs, cover letters and various exposures to consider will be reviewed.

62392 2 Classroom
LH COMPREHENSIVE VIEW OF HEALTH CARE

Participants taking this course will take a look at health care in the US and various other countries. Information will be given on the government proposals for change and other solutions for change to the health care system as we know it today. Attendees will also look at asset protection for themselves and their clients including a look at the special needs of an aging population.

17013 16 Classroom
PC CONCEPTS OF LEGAL LIABILITY

This program will present the basics of legal liability by building a foundation of various legal theories. The theory and elements of negligence are presented. Various types of law are discussed. Included is a discussion on damages resultant from legal liability.

32209 3 Classroom
PC CONCERNS IN CL

The course will discuss concerns in CL in four topic areas – Property, Liability, Auto & Garage, and Workers Comp. Each policy/coverage area will be presented for an hour. Items discussed are based on coverage gaps, coverage issues or coverage concerns.

37298 4 Classroom
PC CONCERNS IN PL

This course will review the most common areas of the personal lines insurance arena. The program will concentrate on coverage concerns of the homeowners, auto, and other commonly used personal lines insurance contracts. The purpose is to inform participants of the ‘pitfalls’ or coverage gap areas of personal lines insurance products in the personal lines arena.

37522 4 Classroom
PC CONDOMINIUM COVERAGE

This one hour program will illustrate the unique features of condominium ownership, define the various terms associated with the condominium concept, describe the basic differences between the HO-6 and the HO-3 and explain the effects of various endorsements commonly used with the HO-6.

17194 1 Classroom
Health COORDINATION OF BENEFITS

COB ascertains that no more than 100% of the total claim expense will be paid. This program is designed to help the participant understand the process of COB through familiarizing them with terminology and definitions. Information will be presented on the process used to help prevent duplication of payment when coverage is provided by more than one health/dental or prepayment program. Actual coordination of payments in differing environments will be presented.

29361 3 Classroom
21 PC, 3 Ethics CPCU 510

CODE OF ETHICS, RISK, UNDERSTANDING RISK Management, Risk Assessment, Risk Control, Risk Financing, Financial Services and Insurance Markets, Insurance Mechanism, Insurable Risks, Legal Environment of Insurance, Insurance Policy, Insurance Policy Analysis, and Amounts Payable. This total course is one of the five required courses in the CPCU curriculum. This course is preparation for the CPCU 510 National Exam offered by the Insurance Institutes. Participants will study the text and course guide materials and will participate in the classroom with an instructor.
NOTE: Offered in classroom and self-study formats

47275 24 Self-Study
21 PC, 3 Ethics CPCU 510

CODE OF ETHICS, RISK, UNDERSTANDING RISK Management, Risk Assessment, Risk Control, Risk Financing, Financial Services and Insurance Markets, Insurance Mechanism, Insurable Risks, Legal Environment of Insurance, Insurance Policy, Insurance Policy Analysis, and Amounts Payable. This total course is one of the five required courses in the CPCU curriculum. This course is preparation for the CPCU 510 National Exam offered by the Insurance Institutes. Participants will study the text and course guide materials and will participate in the classroom with an instructor.
NOTE: Offered in classroom and self-study formats

47274 24 Classroom
Either CREDIT SCORING

This program describes the Fair Credit Reporting Act and its influence on the insurance business. Begins with an overview of the act and credit reports. Insurance scoring, compliance with the legislation and handling of information in agencies is presented.

40475 1 Classroom
Either CURRENT LEGISLATIVE ISSUES

The insurance industry is affected by issues that are ‘hot topics’ in the legislative arena. This program is designed to help attendees understand the issues in current legislation and how the various reform issues will affect the insurance industry.

55470 2 Classroom
PC CYBER LIABILITY PRIMER

Adequately presenting the Cyber Liability exposure to clients is important. This course will provide agents information that will help them assist their clients with selecting the right policy from the four major policy types for their needs. Cyber liability coverage, how treated in other policies and why policy features are important will be discussed.

60948 3 Classroom
Either DATA SECURITY CONSIDERATIONS

This course provides guidelines and tools that can help Insurance Agents safely keep client information. It provides an overview of the HIPAA requirements for consumer privacy.

54317 2 Classroom
Ethics DOING THE RIGHT THINGS, DOING THINGS RIGHT

Presenting ethical responsibility and the legal responsibilities for which agents are responsible, the program helps agents learn how to do the right things the right way in their dealings with customers and carriers.

59722 3 Classroom
Ethics E & O LOSS CONTROL IN TODAY'S AGENCY

This program describes E & O exposures of insurance agencies, especially those that are paperless. Loss control measures that can be considered to help protect agencies against E & O claims are presented. Areas where exposures exist are pointed out and possible solutions are provided

60947  4 Classroom
PC E & O LOSS PREVENTION SEMINAR

To make participants aware of potential professional liability loss exposures and of proper procedures. Errors are things we do incorrectly and omissions are things we should, but don’t do. This seminar will communicate that errors and omissions are, for the most part, preventable. The program will review the principles of agency/company responsibilities and professional liability exposures. Participants will gain an understanding of what causes claims and how proper procedures and documentation can be implemented to prevent or reduce losses. Various operations will be examined and systematic monitoring processes will be identified to assist participants in not only reducing the likelihood of claims, but to also establish good management practices.

15024 Classroom 
E & O RISK MANAGEMENT

This program is designed to help identify, examine, and Reduce exposure to Errors & Omission claims. Provides an in-depth examination of the causes and sources of E & O exposures; techniques to reduce these exposures including policies and procedures and documentation. Professional liability coverages are examined.

     
Ethics EARNING THE PUBLIC TRUST

To improve the ethical quality of the participants’ decisions and behavior. Why be concerned about ethics? This course presents information on ethics and values, ethical decision-making and ethics and insurance. It is designed to help participants make ethical decisions and to act according to the principles of ethics while working in the insurance industry.

57795 3 Classroom
PC EDUCATING THE PC CONSUMER

Today’s consuming public has a great deal of information through various sources. Keeping them informed about their insurance coverage and needs is part an agent’s job. Agent’s duties and responsibilities to consumers are part ethical, part through licensing requirements (the Insurance Code) and part due to elements of the Essential Insurance Act; these duties are delineated. Using the question and answer approach, information on how to talk sensibly to consumers about their personal lines issues is presented.

58606 4 Classroom
Either EFFECTIVE EMPLOYEES

This agency management course provides guidelines and tools that can help legally select employees who will work with customers and protect their information in a small business environment.

42313 1 Classroom
LH ELEMENTS OF LH CONTRACTS

A basic course designed for the entry level agent or for the agent who is looking for a refresher course on the essentials elements of life insurance contracts.

22143 4 Classroom
PC EMPLOYEE LEASING - INS. ISSUES

The presentation will explore exposures created when insureds enter into an employee leasing agreement. In-depth information as to how typical insurance coverage forms respond to this unique approach to employment.

  Classroom 
PC EMPLOYMENT PRACTICES LIABILITY

The purpose of this course is to inform the agent of the exposures, policies which respond and risk management techniques as they relate to Employment Practices and Employee Benefits Liability

23114 6 Classroom
PC EMPLOYMENT PRACTICES LIABILITY PRIMER

The purpose of this course is to present the agent with details of the exposures, how or if policies which respond and risk management techniques as they relate to Employment Practices Liability.

59742 3 Classroom
Either ERRORS & OMISSIONS

Errors and omissions are part of a bigger picture in our litigious society. Prevention of E & O is necessary in agencies and companies today. Issues such as the Law of Agency, Liability and errors creating liability will be discussed. E & O policies will be explained.

54307  Classroom 
PC ESSENTIAL INSURANCE ACT

Designed to inform the participant about the agent’s duties under the Essential Insurance Law which addresses “redlining”, availability and affordability of auto and homeowners insurance in MI.

59851 1 Classroom
Health ESSENTIALS OF HEALTH, DI, GROUP INS.

Presenting the basics of health and disability insurance (individual and group), attendees will be given information that will help discern the needs and the exposures of this insurance area.

37523 4 Classroom
Life ESSENTIALS OF LIFE INSURANCE

A basic course designed for the entry level agent or for the agent who is looking for a refresher course on the essential elements of life insurance, life contracts and the importance of these products in a client’s insurance portfolio.

41457 4 Classroom
Life ESTATE PLANNING FUNDAMENTALS

Using a case study approach, participants will review the exposures of a “typical” family. The steps of the risk management process will be used to identify exposures and make risk management and insurance recommendations based on information presented in the case study.

32485 4 Classroom
Life/Health ESTATE PROTECTION

This program is designed to help the participant distinguish between assets and income and to use that understanding along with the tools of the estate planning process to develop sound financial plans. Includes an emphasis on disability income protection with some life insurance and annuity information being presented.

39010 4 Classroom
Ethics ETHICAL CUSTOMER SERVICE

The participant is introduced to basic ethical principles and an exercise is included in writing their own personal code of ethics. While analyzing agency work practices, suggestions are offered to help reduce miscommunication or errors. Practical information on applying the ethical decision making process to specific customer service situations is included. This class explores the relationship between an agent’s ethical responsibility and providing service for the customer. Today’s agent strives to provide value-added service in order to distinguish themselves from other agencies. By examining how service in provided with the customer’s interest in mind, there is increased confidence that errors are less likely to occur. This inevitably results in better service to the customer, which is not only good business, but the “right thing to

57796 3 Classroom
Ethics ETHICAL ISSUES SURROUNDING SOCIAL MEDIA

This course provides a look at social media and ethics, what they are and how they interact. It defines the terms surrounding each topic, who uses them, how they affect the workplace. It also addresses how we, as leaders, can and should ethically fully utilize social media as the valuable resource it is.

61484  Classroom 
Ethics ETHICAL PRACTICES IN LIFE INSURANCE

Ethics is more than being within the scope of the law. It is a way of living and doing business that treats all fairly, honestly and with a sense of care. This program views the business of life insurance from an ethical approach.

57794 3 Classroom
Ethics ETHICAL TRAITS AND THE INS. AGENT

An interactive program providing participants with a useful knowledge of ethical behavior. Participants will review core ethical principles, ethical responsibilities and have a chance to put their new knowledge to use in role play and group activities for practicing what has been learned before using with clients.

62531 3 Classroom
Ethics ETHICS II

Ethics II begins with a review of Ethics. It then moves into the importance of policy delivery, follow up and service work. Suitability is discussed; understanding customer needs, wants and personalities are covered. The course concludes with a small and large group discussion.

60577 4 Classroom
Ethics ETHICS & ESSENTIAL INSURANCE ACT

Beginning with a definition of ethics and how ethical and legal responsibility differ and are intertwined. Participants will be presented with a working knowledge of the professional responsibilities and principals of ethics. The Essential Insurance Act is presented from the standpoint of how ethics and the law’s requirements protect the consumer.

56901 3 Classroom
Ethics ETHICS & ETHICAL DILEMMAS

This program begins with information on ethical thought and responsibility. After the introductory material, they will review various ethical dilemmas and apply the principles learned about the ethical thought processes. Based on practical, useful material, the course includes lecture, group and individual activities.

57797 3 Classroom
Ethics ETHICS & SOCIAL RESPONSIBILITY

The purpose of this course is to provide a forum of thought and discussion on the need for an ethical approach to doing business in today’s insurance industry.

54316 1 Classroom
Ethics ETHICS & THE INSURANCE MARKET

This course on ethics is designed to help producers and other insurance professionals understand how ethics has a major part in the marketplace. Participants will analyze dilemmas as to their ethical or non-ethical activities.

59717 3 Classroom
Ethics ETHICS & THE INSURANCE PROFESSIONAL

The purpose of this course is to build and strengthen in each participant an ethical approach in business and to develop an understanding that an ethical approach is the key the survival of the insurance industry of the future.

59853 3 Classroom
Ethics ETHICS & THE MI PRODUCER

A discussion of producer stakeholders and the duty that producers owe to each stakeholder. The majority of the discussion will be focused on the two key stakeholders – the insurer and the insured. A detailed discussion of the duties to these stakeholders will be analyzed. The discussion will then proceed to the corporate social responsibility model where an in depth review of the Michigan Insurance Code will take place.

54315 1 Classroom
Ethics ETHICS & YOU

Designed to help participants gain an understanding of the value of having ethics and practicing them in their work life.

55589  Classroom 
Ethics ETHICS IN INSURANCE

This program describes the two primary schools of ethical thought for review by participants. After the introductory material, they will review various ethical dilemmas and apply the principles learned about the ethical thought processes. Based on practical, useful material, the course includes lecture, group and individual activities. Participants will write mission statements and/or codes of ethics and will ‘defend’ them in the group setting.

59854  Classroom 
PC EXPOSING EXPOSURES – HO

This class focuses on the importance of uncovering exposures and offering appropriate coverage to the Personal Lines insured. Participants will learn skills to reveal the unique insurance needs of each individual and apply appropriate forms and endorsements to provide this needed coverage. Provisions and exclusions in the Homeowners policy will be discussed along with endorsements which can be offered as solutions. The class concludes with a review of several helpful forms which agents can take back to the office to help uncover exposures, such as: Exposure Checklist, Renewal Review Checklist, Customer Satisfaction Survey and Annual Review Letter.

55469 4 Classroom
Either FACTS ABOUT E & O COVERAGE

This agency management course provides the necessary guidelines and tools needed to reduce E & O exposures in a business environment.

54313 1 Classroom
Life/Health FAMILY & CHARITABLE PLANNING 1

Family and Charitable Planning with Retirement Accounts
• Planning strategies and recent IRS rulings on IRA distributions, especially to fund trusts at death.
• Creative solutions for funding bypass and QTIP trusts with retirement assets
• How to structure charitable gifts and bequests from retirement plan accounts, including transfers to tax-exempt charitable remainder trusts––opportunities and overcoming pitfalls
• Estate and income tax planning implications of pending tax legislation, especially estate tax repeal and charitable IRA rollover

47973  Classroom
Life/Health FAMILY & CHARITABLE PLANNING 2

To be used in conjunction with Family & Charitable Planning 1
Discussion continues and presents information on structuring charitable bequests of retirement assets and family trusts with retirement assets.

47974 1 Classroom
Either FINANCE FOR INSURANCE PROFESSIONALS

To acquaint the participants with the elements of insurance finance fundamentals. Introduces financial terms and processes that professionals use to analyze financial statements and investments. Examples will be given and participants will work to apply items learned to case studies.

40298 4 Classroom
PC FINANCE FOR NON-FINANCE MANAGERS

To acquaint the participants with the elements of insurance finance fundamentals. Introduces financial terms and processes that professionals use to analyze financial statements and investments. Examples will be given and participants will work to apply items learned to case studies.

 Classroom
Either FINANCIAL FITNESS FOR YOUR BUSINESS

This course is a primer and will provide basic guidelines and tools to evaluate and maintain the economic viability of a small business.

55590 1 Classroom
Flood FLOOD INSURANCE

This program describes the national flood insurance program. It begins with the purpose of the organization, explains procedures for issuing policies, goes over important definitions and property covered and not covered by flood insurance. Essential elements of rating are presented and use of the Elevation Certificate are discussed.

62530 3 Classroom
Life FOCUSED CLIENT PLANNING

The subject of the presentation is the quality and content of the interaction between an advisor and client. It reports; a) on research that has revealed a dissatisfaction in many clients’ interaction with their attorneys, which can be addressed and remedied by implementing a broader inquiry than is provided in the typical planning process; b) suggests ways into incorporate that inquiry into a planning process; c) stresses that a likely result of this modification will be tremendous growth in resources directed to philanthropy; and then d) presents resources for the advisor to better help his or her client’s philanthropic expression.

38459 3 Classroom
PC FRAUD & WORKERS COMPENSATION

Fraud in WC has contributed substantially to the increase in the cost of WC insurance. It is the purpose of this course to build an awareness in the insurance agent and in turn that agent can inform his clients of fraud potential and what risk management tools are available.

14164 2 Classroom
PC GARAGE LIABILITY

This program is designed to help the agent identify the unique features of and proper methods of insuring various risks which have garage exposures. The Garage Coverage Form will be thoroughly discussed and exposures of the garage risk will be identified. This unique policy will be examined as to coverage provided, exclusions, and endorsements available.

29714 7 Classroom
Life GIVING FOR ALL SEASONS

The principal focus of the presentation is charitable planning and intergenerational transfers. Designed primarily for the financial planner, this program identifies high net worth individuals, offering planning ideas that can be implemented to their advantage.

36732 3 Classroom
Health GLOBAL VIEW OF HEALTH CARE

The purpose of this course is to provide each participant with a basic knowledge of the current US health care system; to acquaint them with the systems for health care in other countries. Also presented will be some future health care options for the US.

16972 4 Classroom
PC GOOD NEWS, BAD NEWS - HO 2011 CHANGES

This program provides participants with an overview of the changes in the ISO Homeowner’s 2011. Classifications, coverage reduction and gaps will be presented. Where coverage has been broadened ages and coverage clarification will be presented. The last hour presents new endorsements and changes to existing ones.

58902 4 Classroom
Either HACKERS & THE INSURANCE INDUSTRY

Designed to present participants with information that addresses the Federal Privacy Laws impacting agencies and consumer information, thereby affecting how we do business. The program addresses what hackers are, what it is they do, how they gain access, how it happens and protection methods through risk management that will help protect this private information.

55588 2 Classroom
Health HEALTH CARE - A SOCIAL POLICY

Those taking this course will take a look at health care in relation to insurance. The program will discuss health care, who are the uninsured, what the government is proposing for our health care system and alternative solutions which just might ‘solve’ the US health care ‘crisis’.

16992 4 Classroom
Health HEALTH INSURANCE BASICS

A basic refresher course on the elements of health insurance contracts. Includes information on underwriting and risk classification.

18682 4 Classroom
Health HEALTH INSURANCE ESSENTIALS

A basic program touching on the health insurance exposures of disability, individual and group health insurance coverage. The course ends with identification of areas where exposures exist that could lead agents to E & O claims.

38462 3 Classroom
Health HEALTH REFORM 2012

An overview of the Health Reform Act 2010 providing participants with knowledge of the Act and how it affects Individuals and Small Businesses. It provides an explanation of the Patient Protection & Affordable Health Care Act 2010-2018. A current status report will be included and an overview of what can be expected in this current round of reform.

59744 3 Classroom
Health HEALTH REFORM ACT 2010

An overview An overview of the Health Reform Act 2010 providing participants with knowledge of the Act and how it affects Individuals and Small Businesses. The second hour provides an explanation of the Patient Protection & Affordable Health Care Act 2010-2018

56073 2 Classroom
Health HEALTH UPDATE

This program is designed to present an overview of the Health Insurance Portability and Accountability Act and the Federal Privacy Laws that affect it and the consumer.

21012 3 Classroom
Health HIPAA & FEDERAL PRIVACY LAW

This program is designed to present an overview of the Health Insurance Portability and Accountability Act and the Federal Privacy Laws that affect it and the consumer.

37300 2 Classroom
PC HO HIGHLIGHTS & HOME BUSINESSES

Begins with an overview of forms HO 3, HO 4 and HO 6 including Sections I & II coverages. The remainder of the program is designed to help the attendee understand the exposures indicative of businesses that are run out of the home. An ever increasing situation, emphasis will be on identify the exposures and the short-comings of insuring them on the unendorsed homeowner’s policy.

42314  4 Classroom
PC HOME DAY CARE CENTERS

Designed to identify the exposures of clients who operate (or want to operate) day care centers in their homes. Participants will be given information addressing this type of activity that gives insureds unique exposures which must be identified and addressed.

30332 Classroom 
PC HOMEOWNERS PROGRAM

The purpose of this course is to provide an in-depth look at ISO’s Homeowners contract. The HO3 will be the main focus of concentration. Various endorsements that address needs of the insured will also be discussed.

17214  Classroom 
Ethics HOW SOCIAL MEDIA IS CHANGING ETHICS IN THE WORKPLACE

In today’s world, we are challenged with being able to make the right decisions for our client and for our business operations. Our clients’ needs have become more sophisticated and operating our agencies has also become more sophisticated. We cannot continue to service and operate in the same way we have in the past. We will be presenting some key opportunities to use today’s technology to better service and connect with the consumer based on ten key factors.

59532 3 Classroom
Ethics HOW THE PUBLIC VIEWS OUR INDUSTRY'S ETHICS

This program will encourage agents and agencies to look at their employees, the image of the insurance industry and how the public views our industry. Attendees will be encouraged to look at activities in their organizations and to make changes to help improve our industry’s image

58903 3 Classroom
PC HOW TO READ AN INSURANCE POLICY

The course provides the necessary tools and methodology used for reading and understanding insurance policies in order to help sales representatives determine potential coverage issues for consumers.

54314 1 Classroom
Either HOW TO WOW THEM

Using a mixture of presentation, group activities and participant involvement, the program will present Customer analysis, Risk review, Product fit and more in order to match client needs with policies. Designed to help learn to sell policy coverage and not just price. Insurance is at heart an amazing product, and this seminar will focus on specific coverage examples for presenting our product as solutions to real problems, not just one more bill to pay. Examples/scenarios/case studies regarding the topics will be interspersed throughout the program.

62951 3 Classroom
Either IDENTITY THEFT

This program presents identify theft, an ever growing societal problem. What it is, how it happens and protection methods will be included. Insurance solutions are included.

40477  Classroom 
PC IMPACT OF THE YEAR 2000

Designed to acquaint participants with the Year 2000 (Y2K) problem and its impact on insurance coverages. Emphasis will be given to a review of current policy language and proposed endorsements to address the situation. Also discussed will be potential coverage markets and risk management options.

32010 3 Classroom
PC INS & OUTS OF AN AUTO POLICY

Focusing on questions - many commonly asked, and some not asked but should be, in the auto arena, this program will point out areas of concern. A discussion on the application of specific definitions, including but not limited to “you”, “family member”, and “your covered auto” will address many situations our customers face and of which they are often unaware. We will cover the basics of No-Fault, PIP coverage, payment priority under PIP and why many believe PIP reform is needed. Issues with vehicles other than the scheduled auto should bring about lively discourse.

62252 3 Classroom
Either INSURANCE & SOCIETY

A primer answering “What is Insurance”? Defines insurance principles and explains the types of insurance companies and distribution system.

23125 2 Classroom
PC INSURANCE COMPANY OPERATIONS

Course will provide the agent an opportunity to become informed in the key areas of insurance companies. Four modules, two hours each, include Underwriting Practices, Claims Operations, The Rate Making Process and Reinsurance Transaction.

15264  Classroom 
Either INSURANCE FRAUD & GENERAL INS LAW

This four hour course begins by defining what insurance fraud is. Individual, small group and large group discussion of actual insurance fraud stories takes place. An insurance fraud quiz is administered. Time is spent on insurance fraud prevention.

60578 4 Classroom
INSURANCE ISSUES IN EMPLOYMENT

Day made up of four modules, two hours each, including Fraud & Workers Compensation, Employee Leasing – Insurance Considerations, Making sense of ADA, Sexual Harassment Legal Considerations.

8; 4 x 2 Classroom
PC INSURING HOME BUSINESSES

This course looks at business in the home today and helps the participants identify exposures by recognizing indicators and asking open ended questions. Business exclusions under the homeowner’s policy are discussed and optional business endorsements are explored. Discussion includes other policies that may be involved in adequately covering business exposures for personal lines clients. The course includes eight scenarios and involves class participants in discussion and problem solving for the business exposures presented. The last hour presents an overview of commercial policies and their possible solutions for these exposures.

58605 3 Classroom
Either INTEGRATING SOCIAL MEDIA INTO YOUR AGENCY

Gain a better understanding of the perks and benefits of using Social Media in your agency to better serve your customers. Facebook, Twitter, LinkedIn... oh my! Learn how you can educate and communicate with your insureds by posting and publishing on these sites, how to deal with customer feedback, and to better explain insurance, its products and your agency/client services. This CE class is designed for the beginner or expert user!

59720 3 Classroom
PC INTRO TO EMPLOYEE LEASING

Designed to peak the interest of attendees by examining the problems companies can have when leasing employees. Agents need an awareness of these situations in order to properly advise their clients.

24744 1 Classroom
PC INTRO TO PROPERTY & WC FRAUD

Beginning with a description of fraud, this program will enlighten participants on fraud in the areas of Property, Auto, Workers Compensation, Embezzlement and Computers. Indicators that fraud has been committed will be presented along with items to look for in daily insurance practices that will help agents identify potentials of fraud in these areas.

59852 2 Classroom
Life INTRODUCTION TO LIFE INSURANCE

Designed to give a quick overview of the elements of life insurance for the agent who is just beginning in the business or one who wants to learn about the line. The basic elements of life insurance and a cursory look at the policies will be presented.

29692 1 Classroom
Either LEGISLATIVE AND ELECTION ANALYSIS

Nothing affects the insurance industry more than the legislative process. The November election and its outcome determine how insurance business is done in the state. The objective of the program is to provide a forum for the insurance industry to immediately assess the outcome of the election and their potential impact on the business of insurance in the state.

21005 3 Classroom
LH CONCEPTS FOR THE PC AGENT

This program will cover numerous topics that will assist the property and casualty agent in discussing life and health insurance issues with their clients or prospects. It begins with a suggested use of fact-finding that will assist the agents in understanding the prospect’s life and health insurance needs. The discussion will then cover several specific personal and business life and health insurance areas. The subjects covered in the personal area will include the basics of estate planning, college planning, business paid Long Term Care insurance, and the basics of a Health Savings Account (HSA). In the business area, the basics of insuring the Key-Person and insuring a Buy-Sell arrangement will be addressed.

LIFE & DI - PERSONAL NEEDS

Beginning with the issues of business continuation, this program promotes the use of Buy-Sell Agreements for various entities. Methods of funding those agreements with life insurance products are presented. The class ends with a discussion of various plans that can be used as non-qualified deferred compensation

   
Life LIFE INSURANCE ETHICS

Ethics is more than being within the scope of the law. It is a way of living and doing business that treats all fairly, honestly and with a sense of care. This program begins looking at ethics from an historical perspective and then views the business of life insurance from an ethical approach.

32212  Classroom 
Life LIFE INSURANCE FRAUD

It is often only property casualty fraud we hear about such as arson and theft. This course is designed to introduce the audience to life insurance fraud which costs the insurance industry billions of dollars per year. It heightens awareness and offers insight into what to be alert to in the life fraud areas discussed during this presentation

27161 3 Classroom
PC LIQUOR LIABILITY

Beginning with the definition of liquor liability; the sources of law are presented and coverage available on the CGL are identified. Program goes on to explain liquor liability exposures and claims. Underwriting concerns and considerations are also presented.

40446 1 Classroom
PC LITIGATIONS AFFECT ON INSURANCE

This course will serve as a vehicle to study various court decisions and their impact on insurance contracts. It will open with a brief history of laws. It will focus on specific areas of the insurance contract that have been altered because of court decisions that have been unfavorable to the insurer. The course will also look at court decisions that have aided in the interpretation of insurance contracts.

56904 Classroom 
Life LIVING TRUSTS

Describes the Living Trust and its place in the financial planning process. Probate is the most difficult and costly means of estate distribution. Helping clients set up Living Trusts will ease that experience. Insurance plays a part in this estate planning program.

32242 2 Classroom
Health LONG TERM CARE POLICIES

During the past fifteen years, long term care has developed from being virtually non-existent to being an important form of insurance product carried by millions of persons. These products are a major source of financial security to our aging population. We will look at the need for such products and an analysis of the coverage of long term care policies.

29690 2 Classroom
PC LOSS CONTROL IN THE WORKPLACE

This program will define issues around employees in the workplace and their influence on the management of risk and loss control. The impact of ADA and OSHA will be presented as they relate to the workplace and workers compensation issues. Wrongful termination and other employee related issues will be discussed. The Past, Current and Future of these issues will be identified.

29625 Classroom 
Health MANAGED COMPETITION & HEALTH INS.

The purpose of this symposium will be to help attendees better understand the ramifications of a national health insurance program in order to allow insurance industry members to discuss this topic this topic with members of the general public with confidence. Reviews the proposed health care reform proposals.

06432 3 Classroom
Either MANAGING CUSTOMER INFORMATION

This program is an in-depth examination of the procedures performed in an agency that process and store client information will being aware of potential E & O exposures from these operations.

40558 4 Classroom
MARATHON SCHOOL

A presentation of classes that will complete the participant’s CE needs. Marathon Schools are course topics combined into PC, LH, LH only and PC only.

PC MARINA OPERATIONS/BOAT DEALERS

Designed to give an overview of marina operations and exposures of boat dealers. Those attending this class will learn how ocean marine insurance is one of the earliest forms of coverage. Laws affecting this area of the marketplace will part of the presentation.

60392 4 Classroom
PC MARITIME EXPOSURES

Participants will review the exposures of “typical” marine type risks. Personal and commercial exposures will be identified and discussed. Risk management and insurance recommendations will be presented that will help attendees better handle coverage for marine type exposures to risk.

36913 4 Classroom
Health MEDICARE

This program introduces the audience to Medicare which affects a large segment of our population. An overview of the policy coverage will be given along with discussions of the benefits of both Part A and Part B. Eligibility for the plan will be presented along with information about such coverage. A brief look at Medicare Gap Coverage will be presented.

29691 2 Classroom
Health MEDICARE, SUPPLEMENTS & LTC

Medicare affects a large, growing segment of our population. This program presents an overview of the law, the coverage, policies that can supplement Medicare coverage and introduces the issues of long term care and it’s policy coverages.

40803 2 Classroom
Health MEDIGAP POLICIES

This program will give an overview of the specific benefits available that help fill the gaps in Medicare coverage. Medigap insurance is private insurance specifically designed to supplement Medicare’s benefits. Descriptions of how the policy pays in relation to these gaps and what a consumer should know in selecting a policy will be presented.

29689 1 Classroom
Either MEEMIC AGENCY OPERATIONS

A program beginning with a brief overview of industry structure and going on to specific agency operations. MEEMIC’s contract and specific procedures will be discussed, touching on structuring an insurance agency to minimize Errors and Omissions.

41455 2 Classroom
PC MEEMIC AUTO TRAINING

Reviews elements of the MEEMIC Auto policy jacket. In addition, the underwriting guidelines are discussed and reviewed to ensure understanding and proper application of the underwriting rules.

40443 6 Classroom
PC MEEMIC HO TRAINING

This course reviews elements of the MEEMIC HO policy jacket. In addition, the underwriting guidelines are discussed and reviewed to ensure understanding and proper application of the underwriting rules.

40444 5 Classroom
PC MEEMIC UMBRELLA TRAINING

This course reviews elements of the MEEMIC Umbrella policy. In addition, the underwriting guidelines are discussed and reviewed to ensure understanding and proper application of the underwriting rules.

41456 2 Classroom
PC MEEMIC UNDERWRITING AUDITS

Audits assure that the agency is conducting business in a way that protects the company, the agency and the consumer. This is done by reviewing work completed by the agency. The practice employed is ‘review’ because we do not give legal advice and are not warranting compliance to regulatory issues.

42315 1 Classroom
PC MI PERSONAL AUTO

This course will review elements of Michigan law as they relate to automobiles, provide a discussion of the Personal Auto Policy, goes into the Michigan No-Fault Auto System and how its legal elements modify the ISO Personal Auto Policy. The Essential Insurance Act will be reviewed along with a brief introduction to rating which discusses territories and auto symbols.

39009 5 Classroom
PC MICHIGAN AUTO INSURANCE

This program provides participants with a working knowledge of the history and future of automobile insurance in MI. The MI No-Fault Insurance Act and the mandatory coverages are presented. Optional coverages and information to help reduce E & O end the program.

54311 4 Classroom
Either MICHIGAN INSURANCE LAW

This purpose of this course is to provide the student with current information on regulation of insurance in the State of MI. Items of discussion will include the commissioner, company structure, licensing law, unfair trade practices, company practices and responsibilities, penalties and fines for violations under the law.

21885 2 Classroom
PC MICHIGAN NO-FAULT

This course will review elements of Michigan No-Fault law as it relates to operating automobiles in this state and the Michigan No-Fault insurance coverages will be presented.

40345 2 Classroom
PC NO-FAULT ENDORSEMENT & LAW, THE

No-fault auto coverage in MI is based on law and is an endorsement to the Personal Auto policy. The reasons behind the creation of the NF system are explained, the law we operate under and its requirements along with the amendatory endorsement that provides coverage will be presented.

57793 Classroom 
PC NO-FAULT IN MICHIGAN

This course will review elements of MI No-Fault law as it relates to operating automobiles in this state and the MI No-Fault insurance coverages will be presented.

13344  Classroom 
Ethics PC FRAUD - PL

This program will explore fraud issues in the property casualty personal lines arena. It hopes to create awareness of the symptoms to look for in underwriting personal lines risks to help agencies and companies work together to successfully reduce insurance fraud.

59718 4 Classroom
PC PC UNDERWRITING PRACTICES

This two hour program begins with a discussion of the purpose of underwriting. Also explored will be underwriting activities, establishment and implementation of underwriting policies and the underwriting process. Specifics of underwriting property and casualty lines will conclude the two hour presentation.

38693 2 Classroom
PC PERSONAL AUTO POLICY

This program presents an analysis of the Personal Auto Policy and the major endorsements that alter coverage

54309 3 Classroom
PC PERSONAL INLAND MARINE

Inland Marine coverage is often overlooked by agents, sometimes because it is not understood. This program will discuss the characteristics of IM coverage and briefly presents common personal inland marine forms. Typical underwriting criteria, perils covered and coverage territory are presented. Loss settlement as it applies to IM is discussed.

32487 2 Classroom
LH PERSONAL NEEDS - LH

Designed to help the participant understand the financial needs of their clients. Methods for determining financial needs during one’s lifetime will be presented. An overview of protection will be given discussing various policy types and provisions. The final hour uses a case study approach to analyze realistic life situations.

18663  Classroom 
PC PERSONAL RESIDENTIAL COVERAGE

Individuals and families live in various types of personal residences. Each type of residence has unique exposures and coverage issues. The Homeowners policy and its various forms will be discussed including condominiums and dwellings.

32244 8 Classroom
PC PERSONAL UMBRELLA LIABILITY

The program is explains key property and liability issues faced by personal clients. The structure of umbrellas is presented and personal umbrella policies are explained.

40447 2 Classroom
PC PERSONAL UMBRELLA LIABILITY

The program is designed to identify and discuss the agent’s role in the treatment of personal exposures to loss. The various types of property and forms of ownership, their implications with regard to personal risk management will be presented. Key legal concepts and personal liability exposures will be identified. Contract limitations will be presented along with various ways in which they are treated. A methodical approach to the analysis of personal umbrella policy forms will be given.

  Classroom 
PC PERSONAL UMBRELLA POLICY

The purpose of this course is to provide information to the students on the basic features and elements of Personal Umbrella Policies. With this basic information, the participant will be able to compare umbrella coverage to determine the most appropriate policy for their insured.

23134 1 Classroom
PC PERSONAL WATERCRAFT

Personal watercraft is an exposure many personal lines families have. This type of risk will be explained. Underwriting considerations and coverage from Homeowners and Auto policies will be presented.

32241 1 Classroom
Health PHP/IBA

Describes the various health plans offered by PHP/IBA as a means of informing agents who in turn educate the consumer. The program will describe POS, PPO and Ancillary Products.

34265 3 Classroom
Life PLANNED GIVING AND ESTATE TAXES

Designed for a mixed audience of attorneys, trust and financial officers, CPAs, financial planners and insurance agents. The focus of the program is changes in estate tax laws and the challenge of such for clients and estate planning. Strategies for motivating clients and donors to establish written plans for gifts from their estates will be identified.

40797 3 Classroom
Life PLANNING IN A TIME OF TAX LAW CHANGE

As federal estate and gift tax rates decline and federal estate tax “exemptions” increase, many more individuals are or soon will be, free to plan their estates without the constraints of federal transfer tax planning. Changes in income tax and long term capital gains tax rates give reasons for re-thinking strategies as to the use and disposition of various kinds of assets. Increased emphasis may need to be placed on estate planning to avoid or minimize state death taxes as various state laws create “gaps” between federal and state death tax exemptions. Because current laws are scheduled to number of years, planning needs to preserve flexibility. Opportunities for creative planning that is responsive to one’s objectives will be challenging and rewarding.We will discuss questions and answers in the course of the discussion.

45325 3 Classroom
PC POLICY READING MADE EASY - PL

Designed to give participants a hands-on experience with personal lines policy analysis. Attendees will use actual policies to review the policy structure and areas of coverage. Using case studies, participants will review customer needs and policy coverage.

59719 4 Classroom
Life POPULAR ESTATE & CHARITABLE PLANNING TECHNIQUES

The current economy is challenging to say the least. This interactive presentation will explain the technical aspects of estate and charitable planning techniques that are uniquely attractive right now. It will also review the latest news from the IRS, courts and legislatures relative to the taxation and law of philanthropy, including developments in the law of charitable endowments, charitable IRA rollovers, charitable remainder and lead trust planning, gifts of non-cash assets, donor advised funds and more.

53275  Classroom 
PC PRACTICAL RISK MANAGEMENT

An encapsulated view of Risk Management is presented. Insurance answers are included along with information on other risk management techniques. The steps of the risk management process will be used to identify exposures and make risk management and insurance recommendations based on information presented.

50543 4 Classroom
PC PRACTICAL YACHT INSURANCE

This program is designed to give participants a basic understanding of yacht and boat insurance coverages and warranties. They will be given terminology associated with yachts and boats and will be able to understand the basic underwriting criteria and philosophy and market structure. The program will demonstrate the differences between standard P & C and marine coverages and the losses associated with writing boats and yachts.

58609 4 Classroom
Either PREVENTING E & O LOSSES

Agencies, by nature of their operations, create situations that potentially can lead to uninsured losses or client confusion. Procedural areas of the agency where Errors & Omissions exposures exist are identified along with loss control measures that can be put in place to help reduce or eliminate E & O claims.

54303 2 Classroom
Ethics PRIVACY ISSUES & ID THEFT

The insurance industry is affected by issues that are ‘hot topics’ in the legislative arena. This program is designed to help attendees understand the issues in current legislation. It goes on to present identify theft information, an ever growing societal problem. What it is, how it happens and protection methods along with insurance solutions are included.

59716 3 Classroom
PC PROFESSIONAL LIABILITY SEMINAR

This program is designed to provide participants with a working knowledge of the various professional liability exposures. Basics of various coverage forms and industry specific exposures will be presented. Optional coverages and information to help reduce E & O will be included.

59739 3 Classroom
PC PROPERTY LOSS EXPOSURES

Designed to enlighten the participants about the various types of property subject to loss and perils causing losses. Real and personal properties are addressed.

23144 2 Classroom
PC PROPERTY SEMINAR

This program is designed to provide participants with a working knowledge of the Auto and property insurance policy. Basics of the ISO coverage form and industry specific endorsements will be presented. Optional coverages and information to help reduce E & O will be included.

59741 3 Classroom
Health PROTECTING OUR AGING POPULATIONS

This course is intended to present the participants with information on Medicare and Long Term Care. The needs of the aging population will be discussed and Long Term Care policies or Nursing Home Insurance will be presented as possible solutions. Asset protection is shown as a necessary consideration when discussing Long Term Care and Nursing home insurance with insureds.

17002 4 Classroom
PC RATE MAKING PROCESS

This two hour program will give an agent the background into rate development. The part of the actuary and regulators will be considered. A comparison of ratemaking methods and loss cost rating will be discussed.

15224 2 Classroom
Either READING CL INSURANCE POLICIES

Designed to give participants hands-on experience with commercial lines policy analysis. Attendees will use actual policies to review the policy structure and areas of coverage. Using case studies, participants will review customer needs and policy coverage.

59721  Classroom 
PC READING PL POLICIES

This program describes E & O exposures of insurance agencies and the loss control measures that can be considered to help protect them against E & O claims. Areas where exposures exist are presented and possible solutions are given.

54308  Classroom 
PC RECENT ISO CP CHANGES

This program describes the changes (October 2000 and April 2002) in the ISO Commercial Property policy and how those changes affect insureds. The Terrorism Risk Insurance Act of 2002 is also presented.

37208 4 Classroom
Ethics RED FLAGS OF FRAUD

Beginning wit Beginning with insurance fraud basics, this program provides fraud facts and describes characteristics of perpetrators. Types of Property and Liability fraud are presented along with Life, Health and Disability. The program ends with information that will help reduce fraud.

61369 3 Classroom
PC REINSURANCE TRANSACTION

Designed as a primer for the insurance agent to aid in the understanding of reinsurance transactions conducted by insurers.

15234 Classroom 
PC RIMS I-DAY

This day provides insurance professionals with a brief introduction to the following topics: Environmental Risk Management; Business Interruption Insurance, The Intentional Tort Exception to the WC Bar; WC: Loss Control and Claims Management: and the Anatomy of a Claim.

20004 6 Classroom
PC RISK REVIEW CASE STUDY, PL & CL

This three-hour program begins with introducing the basics of risk management. This leads into the second hour which applies the principles of risk management to the underwriting process. The discussion includes the purpose of underwriting and how the underwriting principles apply to specific property and casualty situations. The last hour will involve applying the risk management and underwriting principals to a case study scenario involving property and casualty in both personal and commercial exposures.

57792 3 Classroom
PC RECENT ISO CP CHANGES

This program describes the changes (October 2000 and April 2002) in the ISO Commercial Property policy and how those changes affect insureds. The Terrorism Risk Insurance Act of 2002 is also presented.

37208    
Ethics ROLE OF THE FEDERAL GOVERNMENT IN INSURANCE

This program provides participants with information about the latest federal regulations concerning insurance. This provides a brief working knowledge of the current legislative issues of which agents should be aware in order to answer questions from their clients and customers.

61368 1 Classroom
PC SAIL AWAY WITH ME

A study of watercraft and yacht policy solutions for personal marine exposures. Michigan ranks third nationwide for the number of registered recreational boats, only behind California and Florida. Your customers own these boats and you need to know all you can to insure them. This two hour class explores common provisions found in Watercraft and Yacht policies while familiarizing the participant with boat insurance terminology and issues related to exposure to loss.

61860 2 Classroom
PC SAMPSONS - PL CASE STUDY

Using a case study approach, participants will review the exposures of a “typical” family. The steps of the risk management process will be used to identify exposures and make risk management and insurance recommendations based on information presented in the case study.

39766 2 Classroom
Either SCOPE OF E & O COVERAGE

This course will provide guidelines and tools to understand Insurance Agents Errors and Omissions Coverage, Loss Exposure and Loss Prevention Strategies.

50545 1 Classroom
PC SELLING COVERAGE, NOT PRICE

Everyone says all prospects care about is the price. Is it possible that’s because the price is the only part of insurance they actually understand? Hop off the price train by learning to sell the meal, not the menu. Insurance is at heart an amazing product, and this seminar will focus on specific coverage examples for presenting our product as solutions to real problems, not just one more bill to pay.

58604 2 Classroom
PC SEXUAL HARASSMENT LEGAL CONSIDERATIONS

Presents an in-depth look at the peril of sexual harassment in the work place. Knowledge of the exposure is key to the agent who will be guiding insureds in the risk management and loss control process.

14154 2 Classroom
PC SNOWMOBILES

This program will help participants understand how Homeowners and auto policies provide insurance coverages on snowmobiles. Endorsements and stand alone policies will be addressed to help agents adequately cover the exposures for their clients.

32011 1 Classroom
PC SOLID FUEL HEATING

Designed to help the agent review exposures of solid fuel heating devices. These units create additional hazards that need to be discussed and identified. Attendees will be able to recognize the risks to better inform clients and companies of the increased exposures.

30333 1 Classroom
PC SOURCES OF LAW

The purpose of this course is to give participants a basic foundation of the essentials of legal liability. Discussion of legal terms and types of law will be part of the program.

23154 3 Classroom
Ethics STREET LEVEL ETHICS

Designed to help participants gain insight into ethical behavior and to provide information on how an individual’s judgment and reasoning address responses in common insurance situations.

60771 3 Classroom
Ethics STRENGTH TRAINING FOR ETHICS

Insurance professionals are often faced with ethical decisions in the heat of the moment and must make an immediate response. Just like an athlete training for a marathon, we must be fit and ready to make the right decisions when the situation arises. In this seminar, attendees will look at their personal core values and how those values are shared - globally. We will explore why ethics are important in our lives and how we apply them in day to day situations.

58003 3 Classroom
Ethics THREE D’S TO REDUCE E & O

Presents the history of E & O and how to reduce E & O losses by using the Three Ds. Each of the Ds is presented and describes how they help agencies become productive and as free of E & O losses as possible.

60946 3 Classroom
PC TIME ELEMENT

The purpose of Time Element Coverage will be explained along with reasons for purchasing such coverage and how to determine how much insurance to buy. Business Income will be defined and optional coverages will be presented. Business Income endorsements and their purpose and use will be included in the discussion.

32213 4 Classroom
Either TODAY'S TECHNOLOGY - YESTERDAY'S AGENCY - MERGING THE TWO

In today’s world, we are challenged with being able to make the right decisions for our client and for our business operations. We will be presenting some key opportunities to use today’s technology to better service and connect with the consumer based on ten factors prioritized to focus on the key operational points in your agency.

58721 3 Classroom
Life TRANSFERRING PERSONAL ASSETS

As individuals accumulate assets, it is usually their desire to protect them for their family. The six methods to transfer ownership are identified. The affect of the probate process will be presented.

32243 2 Classroom
PC TRUCKING RISK

Designed to give the participant the tools to understand the trucking risk with its many intricate insurance details. The exposures are identified and the Commercial Package Policy and Commercial Auto Policy will be discussed along with the special Truckers Coverage Form. Time will also be spent on the Motor Carrier Coverage Form and the Commercial Inland Marine Transportation coverage.

29991 7 Classroom
Either UNCERTAINTY AND INSURANCE

Presents information about loss exposures, methods available to treat those exposures and what types of insurances are available to help reduce the financial consequences of loss.

23165  2 Classroom
PC UNCOVERING HOME BUSINESS EXPOSURES

This two hour course looks at business in the home today and helps the participants identify exposures by recognizing indicators and asking open ended questions. Business exclusions under the homeowner’s policy are discussed and optional business endorsements are explored. Discussion includes other policies that may be involved in covering business exposures for personal lines clients. The course concludes with eight scenarios and involves class participants in discussion and problem solving for the business exposures presented.

40560 Classroom 
PC UNDERSTANDING CLAIMS

This course This course will present agents an informational overview of how coverage is verified under the policy to assist them with general questions from their customers who have claims. Property, along with First and Third party Liability claims are discussed.

50544  Classroom 
PC UNDERSTANDING THE PC CLAIMS PROCESS

Designed to help agency personnel understand the claims process from the perspective of the company, agency, vendor and consumer.

56902 4 Classroom
PC UNDERWRITING CASE STUDY

Using a case study approach, participants will review exposures of a “typical” family. The program is designed to identify and discuss personal lines risks and the agent’s role in the treatment of these exposures to loss.

58603 4 Classroom
LH UNDERWRITING PROCESS - LH

The program begins with a discussion of the purpose of underwriting. It will explore underwriting activities as they relate to examining various risks. Specifics of underwriting life and health insurance will be reviewed.

39762 2 Classroom
PC UNDERWRITING PROCESS - PC

The program begins with a discussion of the purpose of underwriting. It will explore underwriting activities as they relate to examining various risks. Specifics of underwriting life and health insurance will be reviewed.

39763 4 Classroom
Either UNFAIR DISCRIMINATION IN UNDERWRITING

The purpose of this course is to illustrate and discuss the exposure of insurers as it relates to violations of Unfair Discrimination laws in underwriting.

39465  Classroom 
Either UNLOCKING THE GENERATIONAL DIFFERENCES PUZZLE

Learn how different generations can co-exist in the insurance industry and even in one office. Designed to help those who manage different generations and those who hire and work with various generations.

59743 3 Classroom
Health UPDATE ON HEALTH CARE REFORM

Begins with an overview of the current system and the direction it is heading. The provisions of current plan proposals and impact on health care and our society.

11272 3 Classroom
PC VALUING A DWELLING

Presents the importance of properly valuing a home in order to write the correct amount of insurance on the dwelling. Using a Residential Building Cost Guide - it’s features and procedures are explained to help the participants arrive at the correct insurance amount.

32954  Classroom 
PC WATERCRAFT

This program is designed to provide a basic understanding of watercraft insurance coverages. They will be given terminology associated with yachts and boats and will be able to understand the basic underwriting criteria and philosophy and market structure. The type of risks created by various watercrafts is presented. Personal Lines exposures and underwriting considerations are discussed. Coverage from Homeowners and Auto policies will be presented along with watercraft policy coverages

39466 2 Classroom
Ethics WHAT WOULD YOU DO?

This program provides participants with a working knowledge of ethics and ethical approaches that can be used as they practice insurance. Examples are shared as a means of making the class information realistic.

59723 3 Classroom
Ethics WHY ETHICS?

Ethics are defined, ethical schools of thought are presented and those attending are informed of how insurance practices are subject to daily ethical dilemmas.

60945 3 Classroom
WOMEN IN THE LIFE INS. MARKETPLACE

This is a basic course designed for entry-level agent or the agent who is looking for a refresher course on the essential elements of life insurance and why it’s so important to their female clients.

4 Classroom
PC WORKERS COMPENSATION COVERAGE

Program opens with information on the history of workers compensation laws and to discuss the NCCI’s Workers Compensation and Employers Liability policy.

17244 2 Classroom
PC YACHT UNDERWRITING & COVERAGES

Provides the agent with the basic information necessary to underwrite yacht risks from their offices and to explain the coverages included in Yacht Policies.

24734 2 Classroom
PC YACHT VS BOAT POLICY - COVERAGES

Designed to provide the agent with the basic information necessary to compare yacht and boat risks and to understand the coverages of each policy in order to properly insure watercraft risks.

24724  Classroom 
Ethics YOUR ETHICS

The purpose of this course is to define ethics, explain how ethics are developed and allow the participants to understand why they might react as they do in situations where ethical dilemmas are present.

54318 1 Classroom
 
Course Type
Course Name
Course ID Hours Format
Ethics ETHICAL CUSTOMER SERVICE

The participant is introduced to basic ethical principles and an exercise is included in writing their own personal code of ethics. While analyzing agency work practices, suggestions are offered to help reduce miscommunication or errors. Practical information on applying the ethical decision making process to specific customer service situations is included. This class explores the relationship between an agent’s ethical responsibility and providing service for the customer. Today’s agent strives to provide value-added service in order to distinguish themselves from other agencies. By examining how service in provided with the customer’s interest in mind, there is increased confidence that errors are less likely to occur. This inevitably results in better service to the customer, which is not only good business, but the “right thing to

57796 3 Classroom
Ethics ETHICAL ISSUES SURROUNDING SOCIAL MEDIA

This course provides a look at social media and ethics, what they are and how they interact. It defines the terms surrounding each topic, who uses them, how they affect the workplace. It also addresses how we, as leaders, can and should ethically fully utilize social media as the valuable resource it is.

61484  Classroom 
Ethics ETHICAL PRACTICES IN LIFE INSURANCE

Ethics is more than being within the scope of the law. It is a way of living and doing business that treats all fairly, honestly and with a sense of care. This program views the business of life insurance from an ethical approach.

57794 3 Classroom
Ethics ETHICAL TRAITS AND THE INS. AGENT

An interactive program providing participants with a useful knowledge of ethical behavior. Participants will review core ethical principles, ethical responsibilities and have a chance to put their new knowledge to use in role play and group activities for practicing what has been learned before using with clients.

62531 3 Classroom
Ethics ETHICS II

Ethics II begins with a review of Ethics. It then moves into the importance of policy delivery, follow up and service work. Suitability is discussed; understanding customer needs, wants and personalities are covered. The course concludes with a small and large group discussion.

60577 4 Classroom
Ethics ETHICS & ESSENTIAL INSURANCE ACT

Beginning with a definition of ethics and how ethical and legal responsibility differ and are intertwined. Participants will be presented with a working knowledge of the professional responsibilities and principals of ethics. The Essential Insurance Act is presented from the standpoint of how ethics and the law’s requirements protect the consumer.

56901 3 Classroom
Ethics ETHICS & ETHICAL DILEMMAS

This program begins with information on ethical thought and responsibility. After the introductory material, they will review various ethical dilemmas and apply the principles learned about the ethical thought processes. Based on practical, useful material, the course includes lecture, group and individual activities.

57797 3 Classroom
Ethics ETHICS & SOCIAL RESPONSIBILITY

The purpose of this course is to provide a forum of thought and discussion on the need for an ethical approach to doing business in today’s insurance industry.

54316 1 Classroom
Ethics ETHICS & THE INSURANCE MARKET

This course on ethics is designed to help producers and other insurance professionals understand how ethics has a major part in the marketplace. Participants will analyze dilemmas as to their ethical or non-ethical activities.

59717 3 Classroom
Ethics ETHICS & THE INSURANCE PROFESSIONAL

The purpose of this course is to build and strengthen in each participant an ethical approach in business and to develop an understanding that an ethical approach is the key the survival of the insurance industry of the future.

59853 3 Classroom
Ethics ETHICS & THE MI PRODUCER

A discussion of producer stakeholders and the duty that producers owe to each stakeholder. The majority of the discussion will be focused on the two key stakeholders – the insurer and the insured. A detailed discussion of the duties to these stakeholders will be analyzed. The discussion will then proceed to the corporate social responsibility model where an in depth review of the Michigan Insurance Code will take place.

54315 1 Classroom
Ethics ETHICS & YOU

Designed to help participants gain an understanding of the value of having ethics and practicing them in their work life.

55589  Classroom 
Ethics ETHICS IN INSURANCE

This program describes the two primary schools of ethical thought for review by participants. After the introductory material, they will review various ethical dilemmas and apply the principles learned about the ethical thought processes. Based on practical, useful material, the course includes lecture, group and individual activities. Participants will write mission statements and/or codes of ethics and will ‘defend’ them in the group setting.

59854  Classroom 
Ethics PC FRAUD - PL

This program will explore fraud issues in the property casualty personal lines arena. It hopes to create awareness of the symptoms to look for in underwriting personal lines risks to help agencies and companies work together to successfully reduce insurance fraud.

59718 4 Classroom
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Course Type
Course Name
Course ID Hours Format
LH CONCEPTS FOR THE PC AGENT

This program will cover numerous topics that will assist the property and casualty agent in discussing life and health insurance issues with their clients or prospects. It begins with a suggested use of fact-finding that will assist the agents in understanding the prospect’s life and health insurance needs. The discussion will then cover several specific personal and business life and health insurance areas. The subjects covered in the personal area will include the basics of estate planning, college planning, business paid Long Term Care insurance, and the basics of a Health Savings Account (HSA). In the business area, the basics of insuring the Key-Person and insuring a Buy-Sell arrangement will be addressed.

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Course Type
Course Name
Course ID Hours Format
PC PC UNDERWRITING PRACTICES

This two hour program begins with a discussion of the purpose of underwriting. Also explored will be underwriting activities, establishment and implementation of underwriting policies and the underwriting process. Specifics of underwriting property and casualty lines will conclude the two hour presentation.

38693 2 Classroom
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Disclaimer: Not all courses are currently approved. Courses listed are or have been approved in the past.
If not currently active, they can be sent into the state for approval quickly and once re-approved, can be offered.

For a list of currently approved courses see the state's website: DIFS

 
     
     

Insurance Educators Inc. © 2007