West Virginia
Insurance Continuing Education Webinars

Review different types of annuities, the reasons why people buy them, how they use them and which prospects may be a good fit for an annuity.

Air travel in the United States is common, relatively inexpensive and incredibly safe as compared to traveling by automobile.  These two modes of transportation are often compared, but the insurance for each are very different.  Class participants will learn about the key exposures for aircraft owners, pilots and airlines.  We will examine coverages available and common exclusions and use real life examples to illustrate how they are put to use.

Participants will learn why lenders need to be sure collateral securing their loans are insured during the loan term. There are multiple ways to achieve this and different philosophies for each choice. Lender-placed insurance and blanket single interest policies will be examined in depth.

Credit insurance is offered by lenders to borrowers to help pay off loans in the event of death or disability. This webinar will review many of the options available on these products.

Presented by Dale Krause, J.D., LL.M., a nationally recognized elder law attorney, this comprehensive webinar dives into the critical aspects of planning for long-term care, focusing on the financial strategies and legal tools available to manage the high costs associated with nursing home care. Attendees will gain an in-depth understanding of Crisis Medicaid Planning, a legal approach to restructure assets to meet Medicaid eligibility for those in immediate need of long-term care. Additionally, the seminar will cover the intricacies of Medicaid Compliant Annuities (MCAs), a financial product designed to protect assets while ensuring Medicaid eligibility.

Learn from Mari Noyes, group benefits expert, how group dental plans differ from individual policies. She will also explain how dental networks are managed and how an agent can compare dental networks using a variety of measurement tools and methods. Dental plan design and funding mechanisms will be reviewed. This is a great course for anyone looking for in-depth knowledge on the dental benefit market or someone who simply wants to understand their own dental benefits.

Earthquakes, mudslides and sinkholes? Let's explore where they can occur and how they can be covered by homeowners and other personal insurance policies.

Join Dave Dybdahl, renowned environmental liability insurance expert, to gain a new appreciation of the uninsured contamination risks in your customer base. We will explore the wide-ranging effects of pollution/contamination exclusions and how to mitigate those risks.

Participants will learn about the particular importance of estate planning for business owners, the need for estate liquidity, what comprises an estate and how it is valued, and why a will is the foundation for most estate plans. Participants will learn how life insurance can be used to fund a business owner’s estate plan.

This course is presented by Robert Uribe, an insurance agent since 1998, and includes several personal stories and movie references. Client relationships, communication and transparency will be discussed.

Many people overlook the need for insurance at an event, but whether you are an organizer, performer, or attendee, you may need insurance to cover some risk. This class will explore the stage collapse at the Indiana State Fair in 2011, the coverage available for private events like weddings and birthday parties, ticket insurance for concerts scheduled far in the future, and more!

This course will provide a detailed background on the rise of the E&S market, explain the regulatory requirements, and review the current trends and future potential.

We will review the National Flood Insurance Program, how it covers real property and contents, exclusions and deductibles, and FEMA's Risk Rating 2.0 rating system.

Get the perspective of a veteran of the group benefits marketplace as we look at the evolution of voluntary benefits, the products employees are demanding and the key industry players that drive voluntary benefits in the workplace.

Homeowners insurance isn't the most exciting topic in the universe, but we can find some interesting exclusions, conditions and concepts to review to enhance our understanding of this coverage.

The history of kidnap gangs in the U.S. started in the 1920s and the business spread rapidly. We will look at the current risk of kidnapping for ransom both in the U.S. and around the globe as well as the insurance policies available to mitigate the risks. The services employed to extract the kidnapped will also be explored.

Are there any exceptions to the requirement for individuals to consent to life insurance policies being written on their life? What does Teddy Roosevelt have to do with incontestability? What constitutes a rebate? We will explore these questions and more!

Approximately 500,000 seniors each year will walk away from their life insurance policies, with little or nothing to show for it. Find out how you can help your clients with both sides of the life insurance settlements market: 1) assisting your senior clients in selling their unwanted, unneeded or unaffordable life insurance policies; and 2) speaking to qualified clients about the opportunity for returns through investing in life insurance settlements. Both sides offer benefits for your clients, and a compensation opportunity for you.

Let's review the risks of needing care, various care settings and the costs for each, coverage options and partnership programs.

Learn from Eddie Velez, senior market specialist, about Medicare-related products, applicable state and federal laws, and examine suitability concerns.

While many do recognize that credit scores impact things such as one’s ability to get a mortgage, very few realize that credit scores impact insurance premiums. This course is designed to educate financial professionals on how credit scores are calculated, reported and monitored. Most importantly, the course will teach the professionals how a credit score specific to insurance policies is used to determine insurance premiums and strategies for optimizing credit scores to lower insurance premiums.

Is it insurance for a piece of property or is it health insurance for a loved one? This topic fascinates me because the answer is really "both!" All the advertising from companies reads like health insurance but it's property coverage. Let's explore the options and see who might be suitable for this product.

Learn from a catastrophic adjuster what policyholders should expect after a loss and how they can assert their rights while fulfilling their responsibilities. Knowledge is power for both the producer and their clients when trying to maximize the value of the coverage.

We will explore several property and casualty concepts including subrogation, assignments, concurrent causation, bailments and more. Real life examples and stories will be shared to enhance our understanding.

Let's review the Social Security disability insurance program, its eligibility requirements, benefits calculation and appeals options.

This course will review the history of terrorist attacks in the US, how acts of terrorism are excluded from commercial insurance policies and how coverage can be added back. Some suggestions on how to talk about terrorism coverage with customers will be offered.

This will be an engaging presentation on a product that is often misunderstood, undervalued, and dismissed before even being properly considered. Travel insurance comes in a lot of varieties. We will review coverage options, common exclusions and suitability issues.

Sometimes ethical challenges are predictable and preparation can be helpful in behaving according to your values and personal expectations. We will review several common rationalizations that we use to excuse our own bad behavior.