Course curriculum

    1. Welcome to Life Insurance 110!

    2. Title Page

    3. Course Description

    4. Course Outlay

    5. CE Reminder Notice SCDOI

    1. Introduction

    2. Traditional Whole Life Products

    3. Ordinary Whole Life

    4. Limited-Pay and Single-Premium Life Insurance

    5. Interest/Market Sensitive/Adjustable Life Products

    6. Universal Life Insurance

    7. Variable Whole Life

    8. Variable Universal Life

    9. Interest-Sensitive Whole Life

    10. Indexed Life

    11. Term Life

    12. Types

    13. Level

    14. Decreasing

    15. Return of Premium

    16. Annually Renewable

    17. Special Features

    18. Renewable

    19. Convertible

    20. Annuities

    21. Single, Level, and Flexible Premium

    22. Immediate and Deferred

    23. Fixed and Variable

    24. Indexed

    25. Accumulation and Annuity Periods

    26. Payout Options

    27. Combination Plans and Variations

    28. Joint Life (First to Die)

    29. Survivorship Life (Second to Die)

    1. Quiz Chapter 1

    1. Introduction

    2. Policy Riders

    3. Waiver of premium and Waiver of monthly deduction

    4. Guaranteed Insurability

    5. Payor Benefit

    6. Accidental Death and/or accidental death and dismemberment

    7. Term Riders

    8. Other Insureds

    9. Long Term Care

    10. Return of Premium

    11. Disability

    12. Cost of Living

    13. Policy provisions and Options

    14. Entire Contract

    15. Insuring Clause

    16. Free Look

    17. Consideration

    18. Owner’s Rights

    19. Beneficiary Designations

    20. Primary and Contingent

    21. Revocable and Irrevocable

    22. Common Disaster

    23. Minor Beneficiaries

    24. Designation by Class

    25. Premium Payment

    26. Modes

    27. Grace Period

    28. Automatic Premium Loan

    29. Level or Flexible

    30. Reinstatement

    31. Policy loans, withdrawals, and partial surrenders

    32. Nonforfeiture Options

    33. Dividends and dividend options

    34. Incontestability

    35. Assignments

    36. Suicide

    37. Misstatement of age and gender

    38. Settlement Options

    39. Accelerated Death Benefits

    40. Policy Exclusions

    41. War

    42. Aviation

    43. Dangerous Occupation

    1. Chapter 2 Quiz

    1. Introduction

    2. Completing the Application

    3. Required Signatures

    4. Changes in the Application

    5. Consequences of incomplete applications

    6. Warranties and Representations

    7. Collecting the initial premium and issuing the receipt

    8. Replacement

    9. Disclosures at Point of Sale

    10. USA Patriot Act/Anti-Money Laundering

    11. Gramm-Leach Bliley Act (GLBA) Privacy

    12. Underwriting

    13. Insurable Interest

    14. Medical information and consumer reports

    15. Fair Credit Reporting Act

    16. Risk Classification

    17. Stranger/Investor-Owned Life Insurance (STOLI, IOLI)

    18. Delivering the Policy

    19. When Coverage Begins

    20. Explaining the policy and its provisions, riders, exclusions, and ratings to the client

    21. Contract Law

    22. Elements of a Contract

    23. Consideration

    24. Offer and Acceptance

    25. Competent Parties

    26. Legal Purpose

    27. Unique Aspects of the Insurance Contract

    28. Conditional Contract

    29. Unilateral Contract

    30. Adhesion Contract

    31. Aleatory Contract

About this course

  • $50.00
  • 172 lessons

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Frequently Asked Questions

  • What is an Instant Access course?

    Our state of the art e-learning portal has been created to allow you instantaneous access to our course material. This allows you to complete your state required pre-licensing or continuing education courses on your schedule without the need of sitting in a classroom!

  • Are these courses state approved?

    All of our pre-licensing and continuing education courses offered to you for state required credit hours have been approved by the South Carolina Department of insurance. You will find the credit hours and course approval number for your selected course in the course description.

  • How do I access the course?

    Upon payment for your selected course or course bundle you will have the ability to access your unique learning portal by creating a username and password. Once you have created your account you will have access to your selected courses.

  • How do I complete the course?

    Each course we offer is broken down into chapters and lessons to provide you with the educational background needed to successfully gain or maintain your professional license designation. Each chapter will conclude with a quiz to test your knowledge to ensure understanding before moving forward to the next chapter. Once you have completed all chapter quizzes you will have access to complete your end of courser final exam to gain credit your credit hours.

  • What is the final exam?

    Our final exam's have been created to confirm the knowledge you have gained through your course! This final exam requires a 3rd party disinterested proctor, and passing score of 70% or greater to complete your course.

  • What is a disinterested 3rd party proctor?

    A disinterested 3rd party proctor, with minimum age of 18 years old who can be any person except for family members or individuals who have a financial interest in the student’s success on the exam. Co-worker proctors must not be above or below in the student’s line of supervision. A disinterested third party witness is someone who isn't a family member, hiring manager, or individuals who have a financial interest in the student’s success on the exam . Some good examples of a third party witness but not limited to are your neighbors, a co-worker, friend, or your local librarian. Your proctor will be required to sit with you for the duration of your exam.

  • Do I receive a completion certificate?

    Yes! We want you to show off your achievements, and what better way to show off your newly obtained education than your completion certificate.

  • When are credit hours applied?

    Once we verify your course completion, and receipt of your signed proctor form we will credit your hours to your State Based Systems account. Credit hours are applied daily!

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