Insurance producer

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Texas

What's covered · 93 objectives

Types of life insurance policies

Traditional whole life products ✓ Free
Interest- and market-sensitive life products Preview
Term life insurance types Preview
Term life renewability and convertibility features Preview
Annuity premium and timing structures Preview
Annuity classification and payout options Preview
Combination and survivorship life plans Preview

Policy riders, provisions, options, and exclusions

Completing the application, underwriting, and delivering the policy

Retirement and other insurance concepts

Third-party ownership of life insurance ✓ Free
Life settlements Preview
Group life insurance conversion and contribution Preview
Qualified and nonqualified retirement plans Preview
Life insurance needs analysis for individuals and businesses Preview
Social Security retirement benefits Preview
Tax treatment of life insurance premiums, proceeds, and MECs Preview

Types of health and accident insurance policies

Disability income and accidental death and dismemberment policies ✓ Free
Basic and major medical expense insurance Preview
Managed care structures: HMO, PPO, and POS plans Preview
Consumer-directed health accounts: FSA, HDHP/HSA, and HRA Preview
Medicare supplement policies Preview
Group health insurance and COBRA Preview
Individual and group long-term care insurance Preview
Dental, vision, and specified-disease policies Preview
Worksite, hospital indemnity, short-term medical, and accident policies Preview

Health policy provisions, clauses, and riders

Social insurance

Medicare Parts A, B, C, and D ✓ Free
Medicaid Preview
Social Security benefits (disability and retirement) Preview

Other insurance concepts

Disability classifications: total, partial, recurrent, and residual ✓ Free
Owner's rights Preview
Dependent children benefits Preview
Primary and contingent beneficiaries Preview
Modes of premium payment Preview
Nonduplication and coordination of benefits Preview
Occupational versus non-occupational classification Preview
Tax treatment of premiums and proceeds Preview
Managed care concepts Preview
Workers' compensation Preview
Subrogation Preview

Field underwriting procedures

Completing the health insurance application ✓ Free
Sources of insurability and HIPAA privacy disclosures Preview
Initial premium collection and receipt consequences Preview
Submitting the application for underwriting Preview
Policy delivery and explaining the contract Preview
Replacement of health insurance Preview
Insurance contract law and insurable interest Preview

Texas statutes common to life and health insurance

Texas statutes for life insurance

Life insurance marketing, advertising, and the buyer's guide ✓ Free
Individual life policy provisions, free look, and grace period Preview
Group life insurance rules Preview
Credit life insurance Preview
Replacement duties for life insurance Preview
Nonforfeiture law Preview

Texas statutes for accident and health insurance

Required policy provisions: newborn and chemical-dependency coverage ✓ Free
Texas Medicare supplement standards Preview
AIDS testing requirements Preview
Long-term care regulation Preview
Small group health insurance Preview
ACA marketplace, subsidies, and essential health benefits Preview
Employer notification responsibilities under the ACA Preview

Texas statutes for HMOs

HMO definitions and evidence of coverage ✓ Free
HMO nonrenewal, cancellation, and enrollment Preview
HMO out-of-network claims Preview