All insurance agents holding licenses in any of the following lines of insurance: property, casualty, life, accident & health, and auto must complete continuing education credit-hours in each biennium. Each agent has been assigned a renewal date according to their birth month and the odd or even numbered year they were originally licensed. Non-resident agents may not need to take courses in Wisconsin if the agents resident state has a reciprocal agreement with Wisconsin. In any event, non-residents will be required to submit a letter of certification at the reporting date identifying that they have completed the continuing education requirements in their home state. No self-study or correspondence courses will qualify for continuing education credit unless they are approved in advance by OCI. If credits are not earned by the due date on your license,license will be suspended. Agents not completing the required hours within 60 days of their due date will have their licenses revoked. ALL COURSES ARE EXPECTED TO BE CLE-APPROVED.
Promissor/Sircon been retained by OCI to administer and provide record-keeping services for the insurance continuing education program. Robbins & Lloyd will submit course completion information directly to SIRCON. Agents will not be responsible for filing their completion certificates with Promissor. They may contact Promissor directly at (800) 274-4679. Recorded credit hours for the current biennium may be accessed on the Internet at www.SIRCON.com.
Students are responsible to ensure that no course duplication occurs. A student will not receive credit from Promissor for the same course taken more that once in a biennium.
INSURANCE CE FEES
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#501 (44799) INTRO. TO ESTATE PLANNING (2 credit-hours) Scott Burns
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Description: This presentation will give an overview of the benefits of estate planning and qualified plan benefits. It will include a discussion of wills and probate, marital property agreements, and living trusts. We will discuss the federal tax system and ways to avoid or reduce federal transfer taxes. In addition, we will review the different types of qualified retirement plans, explain the rules which govern distributions, and outline a variety of ways life insurance can be used to maximize the benefits received from qualified retirement plans. |
Available |
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#503 (41768) FINANCIAL PLANNING
(2 credit-hours) Susan Lathrum
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Description: This course will introduce you to the concepts and process of financial planning. It will begin with an historical overview of how the profession has evolved from an oft-used buzzword of the early 80s to a respected field of study. Whatever your business focus, you will benefit from a general understanding of financial planning for yourself, your family, and for your clients. |
Available |
12/3/2008 1:00 PM |
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#504 (44831) CREATIVE SOLUTIONS
(2 credit-hours) Steven Bartholomew
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Description: There is an opportunity to help with the income planning needs of clients who mistakenly assume that their employer-provided group disability coverage provides adequate income protection. We will explore which markets are underserved, the value of employer sponsored DI programs, how to design a single life or mulitple life case and the mechanics of enrolling these cases. Several case studies will be discussed, as well as entertaining real life situations from the attendees. |
Available |
12/3/2008 3:00 PM |
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#505 (38470) FORM 1040: A WEALTH OF PLANNING OPPORTUNITIES
(2 credit-hours) Thomas Sweet
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Description: This interactive course will review the information contained in an individual’s income tax return. The discussion will then focus on interpreting this data to better understand your client’s personal preferences and objectives by learning the different types of income, taxable/tax-deferred/tax-free adjustments, and deductible expenses. A better understanding of the tax brackets will be covered. It will provide a unique way to make an impression on your clients through the analysis of this dreaded form and its use as an investment and estate planning tool. |
Available |
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#506 44798) ANNUITIES-FINANCIAL PLANNING TOOL OF THE FUTURE
(4 credit-hours) Tom Sweet
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Description: This course explains what & why Annuities are an important financial planning tool. It covers the different typs of annuities & why there is not a one type fits all. We will discuss the planning phases of annuities from choosing the right type, deposits and withdrawls & what happens after annuitization. We will follow 3 case studies. |
Available |
12/4/2008 8:00 AM |
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#509 (57893) PREVENTING BURNOUT- STAYING PRODUCTIVE
(2 credit-hours) Chris Kvasnica
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Description: The objectives of this course are to help you understand what drives burnout inthe 21st Century business climate and how to change and stess impact our health, attitude and productivity. It will help identify early sign of stess & burnout. We will learn tips for managing change & stress and how to stay positive, motivated & productive. |
Available |
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#511 (44832) DISABILITY INSURANCE-SMALL BUSINESS MARKETING
(2 credit-hours) Steven Bartholomew
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Description: The small business owner market offers terrific opportunity for effective planning and advice by the insurance professional. In Additions to the more typical coverages involving health insurance, property/casuality and life insurance, the disability insurance needs are often neglected. We will explore the needs, markets, underwriting issues and opportunitites in the Disability Business Overhead Expense and the Disability Buy Out area. The knowledgeable agent can distinguish himself-herself in this market by engaging the client with these topics. |
Available |
12/11/2008 1:00 PM |
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#512 (41772) AM I 65 ALREADY?
(4 credit-hours) Greg Staudacher
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Description: This senior marketing course will explore the important issues facing seniors on Medicare. Topics discussed will include changes in the Federal Medicare program, supplemental insurance including fee-for-service plans, and the new Medicare Choice policies as well as employer group options. Potential liabilities including nursing home cost and prescription drugs will also be discussed. |
Available |
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#513 (36008) LONG-TERM CARE - THE ESSENTIAL COVERAGE FOR THE 21ST CENTURY
(4 credit-hours) Charles Fox
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Description: Graphically explains Aging America and impact on government budgets, taxes, families and jobs. Defines Long Term Care, and discusses odds of needing it, costs of care, average financial exposure. Analyes MEDICARE, its minimal payment for LTC services, what recipients still must pay; MEDICAID/Title 19 qualifications AND pros and cons of divesting assets to qualify in light of Federal law DRA 05; WI regulations for LTC Ins. pruducts; Coverage recommendations and policy options; NEW LTCI Public/Private Partnerships approved by recent State budget. All the basics! |
Available |
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#514 (39989) ADVANCED LONG-TERM CARE INSURANCE
(4 credit-hours) Charles Fox
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Description: Beyond the Basics:The Details of a Complex Product. Learn to evaluate carriers and their products for the financial security of the company, quality of the contract, the scope of coverage that meets the needs of your specific clients. Learn how to evaluate financial condition; understand contract language related to benefit triggers and claims exclusions, ability to change the contract, underwriting standards, payment for new types of services and facilities; to develop individual policies to meet the conditions and needs of specific clients. Consider agent responsibilities and liabilities in selecting policies/carriers/coverage to protect both you and your clients. Discuss the ethics of selling LTCI; Should your client buy LTCI; What scope of coverage; How much, and with what elimination period; What is the optimum age? Course 513 is strongly recommended as a prerequisite, but not required. |
Available |
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#515 (41770) PLANNING FOR LONG-TERM CARE: THE NEW REALITY
(4 credit-hours) Susan Lathrum
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Description: So you think day-to-day survival has been challenging? Consider feeling fine one moment and waking up the next day to discover you cannot speak and your right side is immobile. Now the reality of long-term care depends on the planning you have done. This class will review the basics in part one: Medicare, Medicaid, long-term care insurance, and other financial products. We will review kinds of care available, the costs, and sources and resources for help. Part two will address real life applications in a case study format to help find appropriate solutions. |
Available |
12/4/2008 1:00 PM |
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#516 (45520) LTC: MEDICARE, MEDICAID AND TAXATION
(4 credit-hours) Susan Lathrum
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Description: AARP conducted a survey of members several years ago and discovered that almost 70 percent believed that either Medicare or Medicaid would pay for their long term care. This misinformation and reliance on government programs has fostered a system that encouraged denial. Now things are changing and everyone needs to know the facts. This class will examine how local, state and federal governments address long term care issues. Coverage under Medicare will be explained, including a discussion of future benefits. The old and new Medicaid laws will be covered in detail. In addition, the taxation of long term care insurance will be addressed. |
Available |
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#517 (46310) ETHICS- WHEN NO ONE IS WATCHING
(4 credit-hours) Chris Kvasnica
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Description: We will define ethics, distinguish between legal, moral and ethical behavior. We will review industry code of ethics/guiding principles,understand how ethics impact the decision making process, identify illegal/unethical insurance marketing & sales practices. And Review case studies. |
Available |
11/17/2008 1:00 PM |
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#601 (59927) THE ROAD TO FINANCIAL INDEPENDENCE
(2 credit-hours) Chris Kvasnica
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Description: Objectives of this course are: Review basic concepts of spending, saving, investing and protecting your assets; Understand what it takes to become financially independent; Review the 7 essential steps to financial independence; Learn the role of insurance products as an essential part of your planning; Understand how money works and how to become an educated consumer; Learn how to take inventory of your assets and liabilities; Learn the basics of establishing and meeting your financial opjectives. |
Available |
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#602 (60168) PLANNING FOR COLLEGE
(3 credit hours) Tom Sweet
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Description: This course is about saving money for your childrens college education. We will go over conventional ways of saving money for this purpose; Personal Account; UGMA Account; Coverdell Account (Education IRA). You will be introduced to the 529 Plan and how it works, how it differs from the conventional ways of saving for that college education. We will have data which will show future costs of private vs college; in-state vs out of state/etc. You will get information on applying for financial aid and how to re-arrange assets to improve aid chances. |
Available |
11/17/2008 9:00 AM |
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#603 (61161) LTC INSURANCE-LTC PARTNERSHIP AND MEDICAID TRAINING
(8 credits) Susan Lathrum
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Description: This program will provide an overview of LTC; explain the market, the benefits and design of LTC; appraise LTCI carriers, explain the underwriting objective and process; compare LTC alternative; It will explain the Medicare and Medicare Supplement Insurance and explain how to quality for thse benefits. It will cover the Medicare Program in WI (DHFS Program). There will be group discussion on the LTC Partnership program (8/hrs) Susan Lathrum |
Available |
11/24/2008 8:00 AM |
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#604 (61162) UNDERSTANDING LTG - PARTNERSHIP PROGRAM AND MEDICAID TRAINING
8 credits Charles Fox
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Description: The goal of this 8/hr LTC - Partnership training is to provide the training in a way that will help you to educate your clients about LTC products and to better help meet your clients needs. With this knowledge, you will hlep improve the publics view of LTCI and provide an incentive for individuals to take responsibility for planning for their LTC needs. You will receive the WI-DHFS and OCI jointly developed 2/hour program on Medicaid and Partnership ramifications. It will provide you with eye opening facts and an opportunity for discussion. 8/hrs Charlie Fox |
Available |
12/15/2008 8:00 AM |
