Securely Insured, Part 2

Instructor UIE Phone (253) 846-1155 Email mail@uiece.com

Course Overview Securely Insured is a course designed for the agent with previous field experience; it would not be suitable for a new agent. Insurance is entirely about risk since each insurer must assess the risk they are accepting with each application they accept and issue a policy for. This course could be taken by any agent, but it is primarily suited to experienced agents since many legal aspects are included that might be difficult for the newer agent to grasp. Even so, a new agent could take this course; it would just be more difficult for him or her to complete.

Course Schedule

Chapter	Subject	Description
Chapter 9	NFIP Flood Insurance	Chapter 9 covers the required NFIP flood insurance coverage. It meets the requirements for flood insurance education while also covering Risk Rating 2.0.
Chapter 10	Employer Sponsored Insurance Benefits	Chapter 10 covers the disappearing employer-sponsored insurance benefits. Although they do still exist, fewer employees can expect to receive them as businesses try to reduce their overhead and stay viable.
Chapter 11	Unfair Trade Practices	Chapter 11 covers the Unfair Trade Practices Act, with legislative history and the end results of that legislation. It is unlikely that even experienced agents are familiar with this Act.
Chapter 12	Insurance Ethics	Chapter 12 is specifically on the topic of ethics. Some might consider Chapter 11’s Unfair Trade Practices Act to also be ethics-related, but chapter 12 is specific to the traditional view. Chapter 12 covers meeting required continuing education in a timely manner as a personal responsibility of each agent. There are multiple examples of ethical versus unethical agent behavior regarding such things as keeping premium dollars separate from personal dollars, full disclosure to clients, and due diligence regarding products and insurers. Chapter 12 also looks at the legal aspects of ethics, covering the Doctrine of Utmost Good Faith, breach of good faith and the duty of full disclosure. Ethics is often a topic based more on the teachings of philosophers, like Plato, but this chapter is based on today’s world and the realities agents face in the selling field. This is a practical look at the actions that comprise ethical selling practices and responsibilities owed to consumers, insurers, and even state insurance departments.

Additional Information

Where applicable, this course may be approved for NFIP Flood credits.

ClearCert Approved.