SUMMIT SCHOOLS, INC

CATALOG OF APPROVED Insurance CE COURSES

 
CONSUMERS ROLE IN COST CONTROL                                #045692            2 credits
Health insurance solves a need. A well designed health plan must go beyond choosing the deductible. In order to contain today's health insurance premiums, the consumer needs to assume a level of responsibility. Therefore a health plan's suitability must now include communications with the client about cost controls, the use of the products and the resources available to manage out of pocket expenses.
ESTATE PLANNING STRATEGIES                                              #59886      4 credits
This course starts by covering basic planning goals such as financial and medical decisions. It then goes into the 3 stages of the financial life cycle, going beyond the basics by creating an estate, conservation of that estate including planning considerations to preserve income. Distribution, linking trusts to estate planning and a section on gifting are also included.
401k BASICS                                                                              #60583      3 credits
The program introduces to an agent the many elements and options of 401k plans. This program covers the reasons a 401k is popular, the types of plans, when they are a viable consideration and what investment vehicles can be used.
ANNUITIES-FIXED AND VARIABLE                                              #60584      3 credits
This program is designed to provide the agent with an overview of the annuity concept, with emphasis on the special characteristics of both fixed and variable annuities. In section three we discuss the taxation of annuities under every circumstance, as well as the methodology of social security taxation. Section four provides the agent with appropriate questions to ask concerning an annuity.
DISABILITY INCOME PROTECTION                                              #60585      3 credits
Boost your skills; enhance your knowledge; or refresh your memory. You will experience a broad based study of disability income protection insurance. Do you know that more than 50% of the work force does not have short term disability coverage? or more than 80% do not have long term disability insurance coverage? Or that more than 54% of the 25 year olds will become disabled? The information will be beneficial for both business and individual coverage-who, what, when, where, and how. One of the reasons many clients don't have any disability coverage is that no one has ever approached them about it. Learn to be comfortable presenting this type of insurance.
ESTATE PLANS ARE FOR EVERYONE                                        #60586      3 credits
This course is designed to provide a basic foundation of knowledge of estate planning and estate planning tools to the insurance agent. It also discusses easy steps to avoid the effects of improper estate management on family members and beneficiaries.
HRA & HSA MADE SIMPLE                                                         #60587      4 credits
A consumer driven health plan, HSA & HRA, is used to manage increasing medical costs through consumerism. Learn how much you already know about HSA & HRA.
KIDS CASH FOR COLLEGE                                                        #60588      3 credits
Are you planning for college expenses? You probably realize there are many pieces in the savings puzzle. We can offer some general advice that may help you determine what is available.
PLANNING FOR RETIREMENT                                                     #60589      3 credits
This program is designed to address the opportunities for financial planning aimed especially at the millions of baby boomers who will have trillions of dollars passed to them within the next decade. Issues such as  health care, social security, retirement, and tax planning are discussed in detail.
VOLUNTARY BENEFITS                                                              #60590      2 credits
This course will provide an overview of self funded arrangements from a historical perspective to present day. Key topics to be presented will include the development and evolution of self funded benefits, current legislative issues affecting self funded plans, a comparison of self funded and fully insured plans, the components involved in the development and maintenance of self funded programs, critical criteria to consider in choosing a self funded administrator and the role played by the agent in selling and servicing self funded clients.
UMBRELLA LIABILITY POLICY                                                   #61128    3 credits
This class will provide the tools to recognize the differences between umbrella policies. What to look for in analyzing client's needs and matching with correct policy. Due to constant change in this market, we won't use any specific company or company name. It could change tomorrow.
EQUIPMENT BREAKDOWN COVERAGE                                       #61129    2 credits
Equipment Breakdown Coverage is the modern version of what we used to know as Boiler and Machinery Coverage. It is necessary to understand and identify the need for this important coverage to properly serve the client and to protect the agent's E & O exposure.
HEALTH INSURANCE TODAY                                                     #61642    4 credits
No one likes the ever increasing cost of health insurance. The more involved and aware the consumer is, the better the control of health care costs will be. What are the clients attitudes, what has been tried, and what supplemental information is available to the agent.
THE TROUBLE WITH ETHICS                                                     #61643    3 credits
We assume unethical conduct starts with the agent. Client's can trigger misconduct. This is known as "situational ethics". Circumstances that change. Learn some of the distinctions along with a money laundering update. Remember, ethics is a liability issue.
HEALTHCARE CONSUMERISM                                                  #61766    1 credits
This course gives the agent an overview of the current trend of using consumerism in healthcare and how changes in the industry relating to individual offerings and choices are driving costs. Also discussed are the strategies for the execution of new offerings to groups or individuals.
HOMEOWNER & DWELLING COVERAGE                                    #61978    3 credits
The learning objectives with this program will help each participant by having knowledge of homeowner's contracts. After this program, each attendee will be able to explain various parts of the policy and recommend the correct coverage. This outline will include information on homeowners forms HO-2, HO-3, HO 4 (Tenant), HO-6, (Condo) and Modified Form 8. Several endorsements often used to tailor coverage will also be reviewed.
HOME BUSINESS EXPOSURES                                                   #61979    3 credits
 Many Americans having a desire to become self employed are starting business ventures from their residences. The current homeowners forms only provide limited protection for this exposure. Agents and company personnel must be aware of the problems associated with in home business, and they nee solutions to this unusual risk exposure.
COMMERCIAL PROPERTY BASICS                                            #61980    3 credits
In this session the agent is introduced to the ISO Commercial Property form. The lecture will emphasize policy definition, coverage, and exclusion at the condition section. This policy information will help agents and underwriters to enter the commercial field.
HOMEOWNER ISSUES & ANSWERS                                             #61981    3 credits
 Insurance agents and customer service representatives should be aware of specific problems associated with writing homeowner business. This program will focus on a number of items where some special attention is needed to better serve the policyholder. Each section of the policy is broken down by coverage and will be reviewed in detail.
 INSURANCE ETHICS                                                         #62170       1 credits
This course is an overview of the fundamentals of ethics, and how they apply to the insurance industry today. It explores the moral and professional responsibilities of being an agent.
IMPORTANT QUALITIES OF ETHICS                                  #62171          2 credits
This course describes the subject of ethics in the insurance field, and the vital role ethics plays in the day to day practice of the insurance professional.
AUTO EXPOSURES                                                             #62172          3 credits
This course is designed to combine the personal auto exposures which will help agents recognize the differences in policies. The overview includes regular auto plus non-standard and rental exposures.
NON-STANDARD AUTOMOBILE                                       #62173          3 credits
Insuring the non-standard automobile risk exposure presents specific problems to producing agents and agencies.  This contract varies from standard automobile, and it is this difference that requires special handling.
MANAGING BUSINESS RISKS                                               #62340          3 credits
Reviews the risk management process and explores potential financial risks that businesses face. Examines how risk managers make decisions in terms of implementing many different types of risk alternatives to deal with potential losses. Case study using the risk management process and how it works in the real world. Emphasis on practicing the use of other than purchase of insurance to transfer the risk of financial losses.
LAYPERSONS LOOK AT PC LAW                                         #62341          3 credits
Webster defines "Layperson" as a person not belonging to or skilled in a given profession. We are laypersons when it comes to the law. We need to be aware of the impact various actions have, but be careful not to give what could be construed as a legal opinion. It is highly recommended that proper legal opinion be obtained as appropriate..
IRA DISTRIBUTIONS AND CHANGES                                     #62342          3 credits
 This program is designed to provide the attendee with information regarding changes in IRA rules and a basic understanding of how distributions can be taken from an IRA.
MANAGING INSURANCE OBSTACLES                                    #62343         5 credits
Your business card says that you sell life and health and/or property and casualty insurance. Your clients trust you to be their insurance agent. Do you know the right questions to ask them? How do you know you have designed a plan that your client wants or needs? How do you insure you have done a good job for them? What is your liability if this trust has been violated? This course will discuss in detail the answers to these questions.
HEALTH INSURANCE-BE SPECIFIC                                           #62735    4 credits
Health Insurance is more than Major Medical. Gone are the days when an agent can simply spreadsheet and sell a Major Medical plan. Today the health insurance agent's liability demands an expertise on the wide variety of actual health insurance products and presentation.
UNDERSTANDING SOCIAL SECURITY                                        #62736      3 credits
This course covers the history of social insurance systems in this country and worldwide. It provides a historical look at reasons for the development of our Social Security System. there is discussion of recent events that may affect our Social Security System, including new legislation, legal issues and recent court decisions with emphasis on how changes may affect us.
COMMERCIAL PROPERTY                                                          #62737         4 credits
This program will give every attendee a complete review of this contract.  Valuation of property and co-insurance will be detailed.  Coverage, exclusions, limitations, and conditions will all be reviewed.
ESTATE PLANNING MADE SIMPLE                                          #62738          3 credits
This seminar is designed to provide a basic foundation of knowledge of estate planning and estate planning tools to the Agent.
COMMERCIAL LIABILITY                                                         #62764         4 credits
The purpose of the program is to further everyone’s understanding of our current general liability policy. This will include a review of each coverage, and policy exclusions.  Also, several important endorsements, which are normally added to this contract, will be reviewed. Upon completion each individual attending will be able to discuss this policy with policyholders
LIABILITY & THE LEGAL SYSTEM                                            #62765             3 credits
This course teaches a history of the Commercial General Liability module and it's importance as the second major CPP module. We will also cover current and topical liability issues, both locally and nationally. This would include important legal cases and major liability claims. The CGL will be discussed in terms of how the policy would apply in real life situations.
INTRO ENVIRONMENTAL INSURANCE                                     #62766             3 credits
This course will cover why it's important for insurance agents to know about the availability of environmental insurance. The history behind environmental insurance, including how Super Fund (CERLA) changed the legal liability rules and how environmental claims have affected insurance companies will also be discussed. There will also be a review of major environmental insurance policies and the future of this type of insurance.
SURETY BONDS-PART 1                                                         #63188             3 credits
This course gives the agent a complete overview of what a surety company needs to know in order to issue a bond. In turn, this will provide the basic but necessary knowledge and clarify the process so the agent will effectively be able to present surety bonds to a client.
INSURANCE VS THE MOLD ISSUE                                         #63502          3 credits
When the basement drain backs-up or the roof leaks a client expects their homeowners insurance to pay the cost of cleaning up the mess. This course will discuss policy coverage and coverage assumptions, underwriting risks, the role of the agent and the agency, and how mitigation and good underwriting can reduce the risk of getting sued.

INVESTING FUNDAMENTALS                                               #63584          3 credits
This tutorial covers the practice of investing from the ground up. You will learn some of the lingo and major concepts. Regardless of your personality type, lifestyle, or interest, this course will help you understand what investing is and what it means

RECOGNIZING AN ETHICAL ISSUE                                        #63586          3 credits
Society has developed rules-both legal and implicit-to guide businesses in their efforts to earn profits in ways that do not harm individuals or society as a whole. Ethics is also directly related to the amount of emphasis that decision makers place on their own values and what they consider to be accepted practices. Consequently, values and judgments play a critical role when we make ethical decisions.
ROTH MANAGEMENT GUIDE                                                  #63587       3 credits
January 1, 2010 tax rules give more people access to a Roth IRA and that makes it a smart money move. As with any government gift, the Roth IRA comes with a few strings attached. Follow the rules and any money you invest into one of these retirement-saving accounts will grow absolutely tax free-you won’t owe Uncle Sam a dime, and the Roth IRA is more flexible than any other retirement can you can invest in
BUILD AND PROTECT AN ESTATE                                          #63588       3 credits
This course starts by covering basic planning goals such as financial and medical decisions. It then goes into the 3 stages of the financial life cycle, going beyond the basics by creating an estate, conservation of that estate including planning considerations to preserve income. Distribution, linking trusts to estate planning and a section on gifting are also included
SMALL BUSINESS BENEFITS                                               #63589         4 credits
Currently, small business accounts for 1/3 of all employees. Historically, small business has been extremely volatile and is influenced by economic forces. Yet with the agents help and the unique characteristics of insurance the volatility can be greatly diminished. Learn the basics of business protection discrimination strategies and government sponsored plans.
CGL PROBLEMS AND ISSUES                                             #63822         3 credits
This question and answer session is designed to help clarify the concepts of CGL. You will discuss current topics that are causing problems for both the clients and agents You will also discuss topics and strategies to reduce E&O exposure.
UMBRELLA LIABILITY TODAY                                                #63823     3 credits
This class will provide the tools to recognize the differences between umbrella policies. What to look for in analyzing client's needs and matching with correct policy.
HOW WHAT WHEN LIFE INSURANCE                                   #63824     3 credits
Financial risk management is accomplished through the use of life insurance. The power of life insurance, to create an immediate source of funds, is a phenomenal asset. The agent's liability risk can also be at risk. to reach this financial strength begins with the determination of client's need, matched to the correct product, then linked to the clients specific situation. Learn how these 3 elements, how, what and when work together.
INSURANCE AGENT ETHICS                                              # 63825    3 credits
This course will help the attendee understand what ethics are, and the areas of the insurance business affected by ethics or lack thereof. It will show that ethics goes beyond the legal issues. It will provide everyday 'ethical" situations to discuss, and ways to handle those situations. The course also includes a study on Money Laundering; what it is, that to look for, and what to do if it is suspected.
INSURANCE LAW FOR WISCONSIN                                       #64025     3 credits
This course covers the statutes and codes of Wisconsin Insurance as presented in the Wisconsin Office of the Commissioner of Insurance Intermediary’s Guide. The requirements of law are continually changing and this course is a great way to update you as an agent in Wisconsin. The information is applicable, regardless of the license held by an agent
WISCONSIN WORKERS COMPENSATION                                #64026           3 credits
This course covers the Wisconsin Workers Compensation program as well as underwriting, proper submission of an application, policy review and all major parts of the policy.
AUTOMOBILE EXPOSURES                                                        #64027        3 credits
Personal Auto policy, Non-Standard Auto Policy and Auto Rental policy will be covered in this course. It will also cover the cross over of the contractual language in the Personal auto policy, Non-Standard Auto Policy and Auto Rental Policy