Life Insurance school training courses in Austin, TX (public, in-house or online)

Life Insurance for Businesses introduces the students to the application of life insurance in the business community as a method of solving many of the complex issues that the business owner faces. Business life insurance is always associated with how that business entity has been structured: is the business a sole proprietorship, a partnership, a corporation, or a limited liability company? The answer to this question dictates how the company manages risks in terms of human capital, or what wil...

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Life and Health Insurance Law examines the legal concepts that are central to life and health insurance contracts and to transacting these types of insurance. The course begins with a discussion of insurance regulation and examines its objectives. It then turns to a consideration of basic contract law and explains how it applies to insurance contracts. It explains the concepts of indemnity, subrogation, coordination of benefits, insurable interest, and insurable value, and discusses the nature o...

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This course covers in depth the many different types of life insurance and their application to individual, family, and business needs. It covers term insurance and the many forms of permanent insurance and explains group life insurance in detail. It explores the many uses of life insurance, both personal and business. It explains the income and estate taxation of life insurance with respect to payout options, policy loans, premiums, withdrawals, dividends, cash surrenders, and qualified acceler...

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Students learn the type of client data needed and how to build client rapport and create trust. The various lump-sum cash needs at the death of a breadwinner are identified, and guidelines are provided that enable students to recommend life insurance in amounts that fully protect their clients. The surviving family’s income needs are examined, and the students learn how to calculate adequate survivor income and the life insurance needed to provide that income. Social Security survivor benef...

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Variable Universal Life Insurance begins with an examination of the financial and political environment in the decade of the 1970s that gave rise to the conditions resulting in the development of the universal life insurance product. The student will understand the roles played by extraordinarily high interest rates that gave rise to disintermediation and a Federal Trade Commission report that was critical of whole life insurance in the decline of whole life insurance sales. Fixed premium variab...

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