5-Hour Ethics & Law Updates

All Lines Adjuster (6-20): 5-Hr. Ethics & Law
DFS Approval #103154
5 Credit hours
This 5 hour ethics and law course is required by Florida statute for licensed All Lines Adjusters (6-20). It is elective to all other authorities and is not acceptable for Public Adjusters. The course discussions include topics on regulatory awareness, insurance law and updates, ethical requirements, disciplinary and industry trends.

 

Health Agent (2-40): 5-Hr. Ethics & Law
DFS Approval #103155
5 Credit hours
This 5 hour ethics and law course is required by Florida statute for licensed Health (2-40) or Health, Life & Annuity Contracts (2-15) agents. It is elective to all other authorities and is not acceptable for Public Adjusters. The course discussions include topics on regulatory awareness, insurance law and updates, ethical requirements, disciplinary and industry trends.

 

Life Agent (2-14): 5-Hr. Ethics & Law
DFS Approval #103151
5 Credit hours
This 5 hour ethics and law course is required by Florida statute for licensed Life & Annuity (2-14, 2-18) or Health, Life & Annuity Contracts (2-15) agents. It is elective to all other authorities and is not acceptable for Public Adjusters. The course discussions include topics on regulatory awareness, insurance law and updates, ethical requirements, disciplinary and industry trends.

 

Public Adjuster (3-20): 5-Hr. Ethics & Law
DFS Approval #103157
5 Credit hours
This 5 hour ethics and law course is required by Florida statute for licensed Public Adjusters (3-20). It is elective to all other authorities. The course discussions include topics on regulatory awareness, insurance law and updates, ethical requirements, disciplinary and industry trends. APPROVED FOR PUBLIC ADJUSTERS.

 

P&C Agent (2-20): 5-Hr. Ethics & Law
DFS Approval #103156
5 Credit hours
This 5 hour ethics and law course is required by Florida statute for licensed Property & Casualty (2-20, 20-44, 4-40) agents and representatives. It is elective to all other authorities and is not acceptable for Public Adjusters. The course discussions include topics on regulatory awareness, insurance law and updates, ethical requirements, disciplinary and industry trends.

 

 

Elective Courses

 

Protecting Income & Assets with Business Interruption Insurance
DFS Approval #95996
3 Credit hours
To acquaint agents and customer service representatives with the importance of insuring commercial risks with business interruption insurance. Further discussions will include a look at the consequences of not properly insuring a business. In addition, we will discuss the concepts of extra expense, dependent properties, and a variety of other endorsements.

 

Suitability for Senior and Variable Products
DFS Approval #97945
4 Credit hours
The seminar includes mandatory material used for senior and annuity suitability education. This seminar meets most carrier requirements for suitability training. Topics to be discussed includes ethics, disclosures and mitigations, suitability of variable products, and senior product suitability.

 

Life, Variable & Fixed Annuities
DFS Approval #97948
4 Credit hours
The seminar is designed to acquaint those students that have an interest in life insurance, variable life insurance and fixed and variable insurance with the characteristics and performances of these types of products. Additional discussion will include licensing requirements, annuity regulations, and taxation.

 

Understanding Medicare
DFS Approval #97943
4 Credit hours
“Understanding Medicare” provides an overview of the Medicare program. It also gives a brief introduction to Medicaid, the Children’s Health Insurance Program (CHIP), the Federally-facilitated Health Insurance Marketplace, and key resources for these programs. In addition, we will discuss Medicare coverage choices, the rights and appeals process, and explain programs for people with limited income and resources.

 

Toys of the Road and Personal Watercraft
DFS Approval #101881
4 Credit hours
This seminar will provide a discussion on the approved uses of golf carts within communities, trails and campuses with a focus on the liability portion of Homeowners policy. There will be dialogue concerning various endorsements, including the physical loss coverage endorsement. We will then expand into the Personal Watercraft policy, its ISO definitions, exclusions, and classifications of non-sailing vessels. Additionally, we will speak about Low Speed Vehicles (LSVs), their approved uses, speed limitations and restrictions. Finally, a talk about the Florida Financial Responsibility Statute, motor vehicle limits of insurance, personal motorcycles statutes, and the Federal Motorcycle Vehicle Safety Standard 218 promulgated by the United States Department of Transportation.

 

Estate Planning Fundamentals
DFS Approval #98005
4 Credit hours
This seminar is designed for agents who have an interest in the uses of Estate Planning. The instructor will explain the appropriate steps necessary to design an effective plan. This discussion will revolve around the processes of determining who needs a plan and why. It will then discuss ownership and transfer options along with techniques and considerations one may need to make when creating a successful estate plan. Finally, the instructor will discuss the importance of having properly drafted wills, trusts, and durable powers of attorney. This course is very interactive. Students will be lead in an in-depth discussion of the consequences of estate planning.

 

Insuring the Self Employed
DFS Approval #99620
4 Credit hours
The Seminar focuses on the self-employed and different insurance options they may consider. We will touch on entity selection type, benefits, risk assessment, loss settlements, income protection, and workers compensation. We will also discuss topics such as the Terrorism Risk Insurance Act (TRIA) and flood insurance along with an overview of recent current events, upcoming law changes and their potential impact.

 

Artificial Intelligence & Insurances
DFS Approval #103148
3 Credit hours
This elective seminar, for all authorities except Public Adjusters, will introduce Artificial Intelligence (AI) and its potential impact on the insurance industry. A historical timeline, product uses, liabilities incurred, and claims settled will be addressed. We will conclude with a discussion on the impact of Artificial Intelligence the future of the insurance and insurance claims.

 

NAIC Annuity Transaction Course
DFS Approval #103143
4 Credit hours
The seminar meets the NAIC requirements for annuity transactions. It is designed to acquaint participants with an understanding of the various types of annuities along with their uses and applications with a variety of client scenarios.

 

Viatical & Life Settlement
DFS Approval #103188
3 Credit hours
This seminar looks at a few of the trending risks facing today’s insurance industry. Concepts of autonomous vehicles, transportation networks companies, home sharing networks, and the legalization, distribution, and liability of medical marijuana. Along at looking that the limited coverages available for these lines, we will expose their gaps in coverage.

 

Insurance Fraud & Its Impact on the Industry
DFS Approval #103223
4 Credit hours
This course will offer and interactive discussion on the topic of insurance fraud and its impact on the industry, the general public, and business community. We will touch on history, unfair and deceptive acts, proof-of-loss & fraud statements, marketing guidelines, code of ethics and trends.

 

Directors & Officers, EPLi, and E&O
DFS Approval #103346
4 Credit hours
The course is designed to provide an overview of Director and Officers, Employment Practices Liability and as it relates to agents, agencies errors and omissions insurance and their clients.

 

Disability Income, Long Term Care Insurance, & Supplemental Coverages
DFS Approval #103453
3 Credit hours
The seminar will focus on the three (3) categories of health insurance. Disability Income, Long-Term-Care, and Supplemental Coverages. We will dissect each coverage exploring many of their provisions and uses.

 

Social Security 101
DFS Approval #103526
4 Credit hours
This seminar will discuss the history of the Social Security Administration beginning with its pre-development need in the late 1800’s to its current uses today. We will look at the four types of social security benefits and evaluate different types of benefit options. Finally, we will look at recent legislation and its effect on current and future recipients.

 

Life & Health Products in a Business Situation
DFS Approval #103885
4 Credit hours
This four (4) hour seminar introduces the value of various life and health products available to sole proprietors, partnerships, corporations, and other small and large group entities. An explanation on how various products are used as employee benefits, business continuity plans, and fringe and supplemental benefits are discussed.

 

Cyber Risks: Exposures & Products
DFS Approval #103880
4 Credit hours
This seminar will discuss cyber risks, including terrorism, attacks against infrastructure and technology. Specific material pertaining to electronic commerce, government programs, attackers, breachers, and artificial intelligence will be reviewed.Further discussion will touch on “The Effective Technologies Act”, “Terrorism Risk Insurance Program Re-authorization Act”, Cyber Liability and the NAIC.

 

Long Term Care-Partnership (Refresher)
DFS Approval #103980
4 Credit hours
MEETS FEDERAL LTC MANDATE. This seminar fulfills the 4-hour refresher requirement. During this session we will review some common LTC vocabulary, LTC – Partnership program, and Partnership Reciprocity. A synopsis of past, current and future legislation and Federal Long Term Care will also be discussed.

 

CGL: Coverage, Conditions, & Exclusions
DFS Approval #103862
4 Credit hours
To acquaint agents and adjusters with the ISO Commercial General Liability form. As we dissect the policy form, we will explain the uses, limitations, and exclusions of the different coverage parts and provisions, and conditions.

 

Insuring the 21st Century
DFS Approval #104047
4 Credit hours
This seminar looks at a few of the trending risks facing today’s insurance industry. Concepts of autonomous vehicles, transportation networks companies, home sharing networks, and the legalization, distribution, and liability of medical marijuana. Along at looking that the limited coverages available for these lines, we will expose their gaps in coverage.

 

Personal Line Insurance
DFS Approval #103974
4 Credit hours
The objective of this seminar is to acquaint and review various policy forms from a risk management standpoint for both individuals as well as families. We will discuss personal lines such as personal auto, homeowners and dwelling properties, comprehensive personal liability, and personal inland marine.

 

Insurer Anti-Fraud Investigative Training
DFS Approval #104072
3 Credit hours
This interactive 3-hour course is designed for the insurance adjuster in assigned to Special Investigative Units (SIU) of an insurance company. This course also meets elective requirements for agents and All-Lines Adjusters. Topics include the importance and methods of conducting an audit, analysis of data and perspectives of fraud, as well as the responses to acts of fraud.

 

Flood Coverage: Preparation to Aftermath
DFS Approval #103941
4 Credit hours
APPROVED FOR PUBLIC ADJUSTERS. This four (4) hour elective course is designed to acquaint the Public Adjuster with the history of flooding, historical flood events and the costs associated with their aftermath. In addition, we will discuss and review the National Flood Insurance Program, its benefits and the drawbacks of not purchasing flood insurance, and personal and business coverages.

 

Dissection of the Homeowners Insurance Policy
DFS Approval #103888
4 Credit hours
APPROVED FOR PUBLIC ADJUSTERS. This seminar provides a breakdown of the fundamentals and differences between standard ISO homeowners insurance policies. A discussion on significant endorsements and current trends will also take place.

 

HVAC, Testing & Balance, & Mold Remediation
DFS Approval #103459
4 Credit hours
APPROVED FOR PUBLIC ADJUSTERS. This seminar will acquaint agents and adjusters with the importance of proper ventilation with installing or reinstalling HVAC systems. It will further discuss the impact on how mold and pollutants effect mold mitigation, claims and alternative claim settlements.

 

Reading and Understanding and Insurance Policy
DFS Approval #103457
4 Credit hours
APPROVED FOR PUBLIC ADJUSTERS. This seminar will concentrate on the reading and interpretation of ISO approved property insurance policies. This discussion will lend itself to how a simple misunderstanding of certain terms and provisions will have an impact on claims.

 

Commercial Property Endorsements and Gaps
DFS Approval #104086
4 Credit hours
APPROVED FOR PUBLIC ADJUSTERS. This seminar will focus on commercial property, specifically their gaps of coverage and their respective endorsements necessary for coverage. Monoline, package policies, ISO and non-specific forms will be discussed in this interactive seminar.

 

Flood Insurance: Definitions, Law, Events, and Claims
DFS Approval #95688
4 Credit hours
APPROVED FOR PUBLIC ADJUSTERS. This course will offer an interactive discussion on the history of flooding in America. We will touch on policies and products available for both the individual and commercial markets along with the general rules (deductibles, value determination and settlement indemnity) and claims handling. We will culminate with a focus on the personal property coverages, their special categories, and claims handling. THIS COURSE IS NFIP APPROVED.

 

Valuation of Homeowners & Dwelling Properties
DFS Approval #96000
4 Credit hours
APPROVED FOR PUBLIC ADJUSTERS. This engaging course will begin with a discussion on the insurance-to-value concept followed by a review of homeowners and dwelling property concepts and provisions. We will then evaluate how a catastrophic event effects an insured, insurer, and the communities it contacts. We will finish with summary of some of the most common endorsements added to personal line dwelling programs.