B-2 Nationwide Provider with State Specific Solutions Continuing Education – Quick & Easy Let us help you maintain your license with interesting and relevant courses offered in a variety of learning methods. Classroom Learn from the experience of other professionals • No final exams • Dynamic interaction • Experienced instructors Classroom Webinars Participate live from anywhere with internet access • No final exams • Latest industry trends • Experienced instructors Webinar Online Engage interactively through interesting online courses • Online exams with unlimited retakes • 1 year access to entire CE Library with subscriptions • Meet requirements quickly with instant exam grading Online Self-Study Learn and test at your own pace with a book Self-Study • Online or paper exams • Self-paced learning • No internet access required Since 1979 licensed agents have trusted family-owned and operated A. D. Banker & Company to help them meet Continuing Education requirements in all states and product-specific requirements in the following areas: • • • • 1/14 Adjuster Annuity Suitability Ethics Flood • • • • General/Bridge Homeowners Valuation Life & Health LTC Partnership • • • • Medicare Navigator Property & Casualty CPE & CFP adbanker.com Continuing Education – Course Descriptions Life & Health All About Annuities: Gain insight into the workings, applications and complexities of annuity products. Explaining the details of product features and benefits to customers in light of today’s suitability regulations is made easier through this course. Topics include: • Purpose of annuities • Types, features, contract provisions, and the parties to an annuity contract • Qualified and non-qualified annuities and the tax treatment of both • Suitability, replacement and disclosure requirements • State and federal legislation and NAIC Model Annuity Suitability Recommendations Annuities: The Basics and Beyond: In recent years, the popularity of annuity products has risen dramatically. Yearly sales increases indicate that more and more people are determined to guarantee for themselves a comfortable retirement. This course enables agents to gain insight into the complexities of annuities, which will make explaining the details of product features and benefits much easier. Topics include: • Annuity parties, purpose, classification, and contracts • Tax treatments • Suitability, replacement and disclosure requirements • State and federal legislation and NAIC Model Annuity Suitability Recommendations Business: Life Insurance & Retirement: This course discusses the use of life insurance to meet the needs of business owners in buy/sell agreements and for key employees. The different forms of business ownership are reviewed as well as the tax consequences of each. Nonqualified deferred compensations are compared to qualified retirement plans, and the advantages and disadvantages of each type of plan are also explored. Disability Income Insurance: Disability Income Insurance is a product that is attractive to a large cross-section of clients. Accordingly, agents should be educated about the types and uses of various disability insurance policies. This course explores: • Social Security benefits and business disability insurance • Benefit provisions, riders, underwriting, and claims Estate Planning: Estate planning encompasses the accumulation, conservation and distribution of an estate. This course examines the different facets of planning for estate taxes and the use of life insurance. The gross estate is defined along with a discussion of some of the estate planning tools taking into account the various types of trusts. Estate planning techniques are considered including funding charitable remainder trusts with life insurance as well as lifetime gifting. Financial Planning Solutions: The possibility that major life changes could occur requires anticipating situations such as lack of funds, disability, incapacity, and death. Planning for these incidences will minimize the financial setbacks they bring about. This course educates agents on financial planning strategies for: • Family budgeting • Education and career planning • Insurance • Retirement and investment planning • Estate issues and living trusts Financial Tools & Strategies: Legal and regulatory changes have created new opportunities for consumers and financial professionals, while at the same time, have greatly complicated the financial services landscape for both parties. An increased number of financial professionals specialize in niche markets to stay competitive, often working in teams, either within or outside of their own company. A full understanding of the client’s overall financial situation is a must today. This course focuses attention on the appropriateness and correct usage of the products and strategies described. Topics include: • The Planning Process • Bank Products, Bonds, Securities and Mutual Funds • Life Insurance and Annuities • Government and Company Benefit Plans Health Insurance and the PPACA: The Patient Protection and Affordable Care Act (PPACA), also called the Affordable Care Act, was signed into law in 2010 and changed the landscape of the health care system in the United States. The PPACA created not only new requirements for how health insurance plans may operate, but also new types of health plans. This course explores the effects upon health insurance of the PPACA’s major provisions and includes: • Health insurance and PPACA terminology • PPACA goals and timeline • Delivery of health insurance Insurance & Wealth Preservation: Estate planning is a process for the conservation and distribution of a person’s property and wealth. Without a proper plan, the value of an estate can be substantially reduced. This course presents a comprehensive look at a wide range of issues to be considered in the estate preservation and planning process. Topics discussed include: • Wills and living trusts • Power of attorney • Charitable giving • Estate tax • Gifting to children • Asset Protection Key Employee Life Insurance: Key employee life insurance is critical to the survival of a business. Most business owners would not operate their business without liability or fire insurance, but may be unaware of the risks they are taking by not insuring the lives of a key employee. This course highlights the uses of key employee life insurance, situations where it is appropriate, and the ownership provisions and tax consequences. Life & Health Policies, Provisions and Plans: From A – Z, producers will review in depth policy detail for both Life and Health contracts: from riders to exclusions…annuities to healthcare reform…disability coverage to senior needs…individual policy provisions to group policies…tax considerations to retirement planning. This course discusses the key L&H topics every agent should be able to explain to the policyholder. Life Insurance in the Business Marketplace: Through its unique flexibility and adaptability, Life Insurance has become an essential business-planning ingredient, both in protecting against loss and assuring continuity. From outlining the basic types of business entities to specifying the roles of Life Insurance in business succession and employee retention, Life Insurance in the Business Marketplace will equip financial-services professionals with the knowledge and confidence necessary to prospect, sell and service Life Insurance in the ever-expanding Business Marketplace. Life Insurance Plans & Policies: Life Insurance has become an essential business-planning ingredient in protecting against loss and assuring continuity. From outlining the basic types of business entities to specifying the roles of Life Insurance in business succession and employee retention, this course equips agents with the knowledge necessary to sell and service Life Insurance. Topics include: • Funding Retirement • Creation of an Estate • Payment of Estate Settlement Costs • Split Dollar Plans • Key Employee Coverage Life Settlements: Life settlement planning is an emerging specialized market. Settlements can be complex and are therefore highly regulated. This course is a comprehensive overview of the industry, the processes involved, and both the legal and ethical considerations that must be navigated along the way. Highlights include: • History of Life and Viatical Settlements • Real-life examples • State and Federal regulations • Future developments Medicare in America: The landscape of healthcare in America is changing rapidly and Medicare is no exception. This course provides agents with a comprehensive view of Medicare, Medicaid and Suitability. Other concepts discussed include: • Medicare Hospital Insurance - Part A • Medicare Prescription Drug Plans - Part D • Medicare Medical Insurance - Part B • Choosing a Medicare Supplement Policy • Medicare Advantage Plans - Part C • Fraudulent and Unfair Trade Practices Medicare Plans & Benefits: This course enables agents to gain a complete understanding of Medicare. Topics discussed include: • Medicare Basics • Choosing a Medicare Supplement Policy • Medicare Parts A through D Navigators and State Healthcare Exchanges: The key roles and responsibilities of those working with healthcare exchanges were defined by the original ACA legislation and have continued to evolve as exchanges have been operational now for months. This course details the different roles played by Navigators, Assisters, Counselors, and Producers, working together to facilitate enrollments on state and federal exchanges. Also detailed are federal privacy standards, implementation timeline changes, and other court rulings regarding the ACA. Retirement Planning Today: This course explores the tools and skills financial advisors need to navigate the retirement planning process. Topics discussed include: • IRAs, 401(k)s, SEPs, SIMPLE plans • Government sponsored initiatives, annuities • Life insurance and long-term care • Defined contribution and defined benefit plans Variable Insurance Products: Assets dedicated to variable annuities and variable life insurance have experienced tremendous growth during the last decade, posing great challenges for the variable-industry. This course provides an overview of variable life insurance and variable annuities, including the following topics: • Taxation issues • Variable products and risk management • Life insurance policies vs. variable product policies • Portfolio management Long Term Care Long-Term Care Policies & Partnership: Applicable for today’s LTC marketplace, this ClearCert approved training course takes producers through the NAIC training guidelines, using real situations client’s face. From public to private coverage, from tax considerations to alternative funding and hybrid products, this 8 hour certification training course hits the mark. LTCP 4 Hour Renewal: This course offers insurance professionals, financial advisors, insurance company personnel, and consumers the opportunity to become knowledgeable about the growing field of long-term care partnership programs. This course meets NAIC’s recommendation for state partnership and long-term care renewal 4-hour training. Nationwide Provider with State Specific Solutions Continuing Education – Course Descriptions General Anti-Money Laundering: Money launderers continually seek new ways to work illegally gained profits back into legitimate commerce, using whatever financial means available. The insurance industry, once thought to be immune to the trappings of cash-heavy criminals, no longer is beyond their reach. This course will examine various money-laundering techniques and review laws and other safeguards, clearly defining what money laundering is, how to recognize it, and how to stop it. Consumer Protection: No one disagrees that insurance contracts can be complex and confusing, especially to the consumer. Insurance professionals are accountable for their representation of every contract they sell. This course explores the roles the National Association of Insurance Commissioners (NAIC) and the Federal Insurance Office play in the regulation of illegal trade and claims practices. Other topics include: • Wills and living trusts • Power of attorney • Can-SPAM Act • Do Not Track Identity Theft: With the proliferation of social networks and data breaches, identity theft has been taken to a new level. This course will inform agents of the route personal data takes on the road to identity theft and will discuss measures that ensure the confidentiality of client information is maintained. Topics examined include: • Methods of identity theft • Symptoms and safeguards • How victims and businesses can identify and report identity theft Insurance & Dirty Money: The insurance agent of today collects and records enough personally confidential information from a client to be an attractive target to both identity thieves and money launderers. By exploring federal laws and regulations relating to these issues, agents will gain a comprehensive understanding of their vulnerabilities and responsibilities. • Methods, symptoms, and safeguards of identity theft • What money laundering is, how to recognize it, and how to stop it • The USA PATRIOT Act rules and standards • Insurer and agent responsibilities Insurance Fraud: Insurance fraud is often unreported because companies do not recognize that they have been defrauded or choose not to report the crime for fear of bad publicity. Learning to identify and expose insurance fraud during the underwriting and claims process is essential for all producers and adjusters. Insurance Law: This course explores relationships between the insurer, agent, and insured as created by the insurance contract. It also discusses other agency legal issues while providing a basic understanding of the principles of contract law and how they relate to insurance. Unauthorized Insurance Entities: Unauthorized insurance entities currently create problems in all 51 U.S. insurance jurisdictions. Not only do unlicensed organizations sell phony insurance, but legitimate insurers also sell certain non-insurance products, promoting them to be genuine insurance. This course explains how legitimate (or authorized) insurance entities operate and explores the problems created by unauthorized entities operating today. Warning signs of the sale of unauthorized insurance are provided, as well as a checklist to help producers detect and prevent the operation of unauthorized insurance entities. USA PATRIOT Act: Issues & Concerns: This course will provide agents with an understanding of the USA PATRIOT Act and how it impacts the financial services professional. Individuals completing this course will: • Understand the legislative history behind the USA PATRIOT Act • Know the procedures and reporting requirements under the Bank Secrecy Act (BSA) and anti-money laundering rules • Know the specific responsibilities of insurance companies and their agents and brokers • Apply USA PATRIOT Act rules and standards to several real-time scenarios Annuity 4 Hour Annuity Suitability/Training: This course will discuss what annuities are, how they work, and how regulatory changes have affected the sales and marketing of these insurance products. It also delves into the needs of consumers for Ethics financial security along with the problems and solutions associated with annuities and how they relate to senior citizens. Avoiding E&O Claims: E & O Claims have a tremendous impact on California 8 Hr Annuity Training: The security of guaranteed income insurance agents and agencies. With that in mind, this course discusses a number of provided by annuities makes them an attractive product for seniors, who comprise one of consequences insurance professionals can expect if an E & O claim is submitted. By evaluating trends that have been reported by several national E & O insurance compa- the largest consumer groups. Upon completion of this course, agents will have learned nies with respect to actual insurance agents’ E & O claims, producers will be equipped to primary uses of annuities, types/classifications of various annuities, and how contract provisions affect consumers. Application of income taxation on qualified and nonqualified improve their client and company relationships. annuities, and sales/solicitation practices and guidelines specific to California are also Ethics: Delivering on the Promise: With life insurance, agents are promising clients that when the need arises somewhere in the future, a benefit will be paid covered. This course fulfills the CA producer’s 8 hour annuity training requirement. California 4 Hr Fixed, Variable & Indexed Annuities: in a timely manner. In order to ensure this happens, the industry has set forth standards Though their primary purpose is to fund retirement, annuities are sold to meet many finanand practices as an outline and definition of an agent’s responsibilities in all facets of his/ cial goals. This course fulfills the CA producer’s 4 hour annuity CE requirement, focusing her business. This course will enable agents to achieve the ultimate goal of making sure on the contract provisions of fixed, variable and indexed products, as well as the producer’s everything they tell their clients is true and accurate. legal and ethical obligations to consumers. Ethics for Professionals: This course examines ethical approaches to commonly experienced situations in the insurance industry. Principles covered include: State Specific Courses • Dwelling & homeowners policies • Case studies to consider Florida Senior Suitability: The Florida agent must appropriately address • Compliance and market conduct • Fraud and abuse in the insurance industry the insurance needs and financial objectives of senior consumers at the time of any Ethics in Business: The business of insurance is complex and highly regulat- insurance transaction. This course reviews the standards and procedures set forth by ed. Agents are expected to apply extremely high ethical standards to their business, in the Florida legislature, and Florida CFO, for making recommendations to Florida senior support of client needs. This course highlights 5 topics that together encompass most of consumers in transactions involving annuity and other insurance based products. the challenges agents face. These include: Homeowners Valuation: California brokers/agents selling homeowners insurance • Insurance Law • Consumer Protection • Ethics must understand the products and proper methods of estimating replacement value of structures. • Authorized and unathorized entities • Insurance Fraud Montana Legislative Updates: This course reviews and discusses cerEthical Insurance Practices: This course discusses ethics at a practical tain pieces of legislation enacted during the most recent session by the Montana Legisand professional level. Concepts explored include the various Unfair Trade Practices as lative Assembly that affect the insurance industry, Montana consumers, and businesses defined by the NAIC, the relationships between insurance producers and adjusters, as operating in Montana. The most intensely discussed insurance topics were: well as concepts such as conflict of interest and the law of agency. • Health care insurance reform • Workers’ compensation insurance reform Ethics in the Senior Market: Senior Market Ethics will educate the insur• Motor vehicle insurance • Drunk driving ance and investment professional in the areas of ethics and suitability in the Senior Market. Oklahoma Legislative Updates: Most consumers do not understand the Topics covered include: government regulations pertaining to seniors, Medicare fraud, long- complex nature of insurance. Insurance regulation serves to create a framework within which term care and annuity suitability, elder care issues, and risks associated with seniors. insurance companies can structure their operations and procedures so that consumers are not harmed. This course covers changes to Oklahoma and Federal insurance laws. Protecting Your License: This course will provide agents with an understanding of the fundamentals governing their activities as they market products that cross Oregon Legislative Updates: The legal, ethical, and fiduciary duties of lithe boundaries of insurance and securities. Upon completion, agents will: censed Oregon insurance producers require due diligence at all times. This course reviews • Understand their reporting responsibilities and discusses certain pieces of legislation enacted during recent regular sessions of the • Know how to determine consumer product suitability Oregon Legislative Assembly that affect the insurance industry, Oregon consumers, and • Comprehend basic securities guidelines businesses operating in Oregon. adbanker.com Nationwide Provider with State Specific Solutions Continuing Education – Course Descriptions State Specific Courses Property & Casualty Premium Mitigation: The Florida Legislature has enacted various mitigation programs in response to record-setting damage due to hurricanes. Upon completion of this course, agents will be well-versed in the following: • The Hurricane Damage Mitigation • ProgramWind resistive features • Uniform mitigation verification • Premium discounts for improvement to wind resistive features 5-Hr Law & Ethics Updates for LHV: This course satisfies Florida’s New 5-hour CE requirement on law and ethics. Key topics include: • Federal and state insurance law • Florida Regulations and Unauthorized Entities • Agent ethics and fraud • Good for 2-40, 2-19, 2-14 and 2-15 Florida License Lines of Authority 5-Hr Law & Ethics Updates for General Lines: This course satisfies Florida’s New 5-hour CE requirement on law and ethics. Key topics include: • Federal and state insurance law • National Flood Insurance Program • Agent ethics and fraud • Premium Mitigation • Florida Regulations and Unauthorized Entities • Good General Lines and Personal Lines Licensees 2-20 and 20-44 lines of authority Legal Issues in P&C Insurance: Insurance involves the transfer of loss exposures to an insurance pool, and the redistribution of losses among the members of the pool. This course will present a brief overview of principles and the legal issues in liability, the insurance contract, consumer protection and insurance fraud. Other issues discussed include terrorism and toxic mold contamination. P&C Risks and Catastrophes: Hurricanes, floods, earthquakes, and man-made disasters such as terrorism dramatically impact insurers, agents and adjusters. Whether working in personal lines or in commercial markets, this course provides insights into underwriting, reinsurance, and surplus lines. In addition to examining catastrophes and insurance, this course also reviews: • Surety bonds and crime insurance • Equipment breakdown coverage and business interruption insurance Personal & Business Liability: Though liability losses occur less frequently than property claims, liability claims generate far more than property claims in expenses as a result of payments to claimants, adjusting, and defense costs. This course discusses basic personal and business liability insurance within the context of the personal auto, homeowners, and commercial general liability policies. Other topics include: • Legal liability • Occurrence vs. claims-made liability forms • Negligence • Medical payments coverage Personal & Commercial Lines: This course covers the basics of both Personal and Commercial lines, exploring standardized forms and coverages across property, auto, general liability, and workers’ compensation insurance. Topics discussed include: • Dwelling, homeowner, auto, and personal umbrella & excess liability • Eligibility of coverage and endorsements • Claims-made vs. occurrence forms • Cause of loss forms • Basic rating vs. special risk rating Personal Auto Insurance: This course combines the basics of both Personal and Commercial lines with the discussion of Errors and Omissions issues common to the PC producer and adjuster. Topics include: • Standardized forms and coverages • The consequences of an E & O claim • Property, auto, general liability, and workers’ • E & O trends and actual claims compensation Personal Lines: This course provides agents with the basic information needed to provide professional advice to clients. It evaluates the details of each of the four types of Personal Lines policies (Dwelling, Homeowner, Auto, and Personal Umbrella & Excess Liability) including: • The history of each type of insurance • The eligibility of coverage • Endorsements available for adding to the policies Personal Lines: Contracts & Underwriting: This course provides agents/CSRs with personal lines underwriting concepts from an underwriter’s perspective. It also examines factors that define loss ratios and how risk selection and tiering of personal lines business can negatively and positively impact those factors. Additionally, included is a discussion of automobile tiering and how credit scoring impacts automobile rating. Professional & Executive Liability: Each professional liability policy is unique to both the insurer and the type of professional it insures. Businesspersons and commercial enterprises have additional exposures that require protection by unique and specific insurance products, including: E&O, D&O, Employment Practices Liability (EPL), Cyber Liability, and Identity Fraud. Property & Casualty Insurance: This course presents agents with the fundamentals of the insurance industry as a whole, as well as foundational concepts and terms used in property and casualty policies. It also details basic property and casualty policies and their coverages. Topics discussed include: • Dwelling & homeowners policies • Workers’ compensation • Businessowners property insurance • Miscellaneous liability policies • Personal & commercial auto Specialty Liability: Every insurance professional understands the limits of liability provided by primary insurance policies may be inadequate when responding to losses that result in severe damage, injury, or death. This course will enable agents to explain this fact to consumers through the following types of liability insurance: • Umbrella & excess liability • Professional liability • Cyber/privacy insurance • Workers’ compensation Surplus Lines, Reinsurance, & Terrorism: The answers to these questions and more are included here: • Why is the surplus lines market needed? How it is similar to, and different from, the standard market? • How do reinsurance contracts impact underwriting guidelines and other areas of carrier operations? • How does TRIA affect the insurance-buying public? Why does acceptance or rejection of coverage require a client’s signature? Property & Casualty Agribusiness Risk Management: The Agribusiness Policy provides comprehensive, yet flexible, coverages for farm and ranch clients who face widespread exposures. This course explores the various property coverages such as dwelling, appurtenant structure, outbuildings and other farm structures. Other topics include: • Agribusiness Loss of Use/Coverage D • Agribusiness Personal Property/Coverages E and F • Personal, General and Catastrophic Liability/Coverages H, I, J, K and L • Related Agribusiness Exposures Auto & Homeowners Liability: Though liability losses occur less frequently than property claims, liability claims generate far more than property claims in expenses as a result of payments to claimants, adjusting, and defense costs. The complexities of liabilities are discussed in this course, with concepts including: • Personal Liability for Auto & Homeowners • Legal Liability and Negligence • Occurence vs. Claims-made Liability Forms • Medical Payments Coverage Commercial Coverages: What Every Agent Should Know: Commercial lines producers start work every day knowing they may encounter a business class they have never written before. This course covers 8 different specialized topics that can baffle newbies, while affording seasoned agents a niche market. • Surplus Lines, Reinsurance, Crime & Terrorism • Professional & Cyber Liabilities • Business Interruption & Equipment Breakdown Commercial Lines: This course provides agents with the basic information needed to provide professional advice to clients. It covers the fundamentals of Commercial lines and explores various forms, and coverages across property, auto, general liability, and workers’ compensation insurance. Topics discussed include: • Cause of loss forms • Claims-made vs. occurrence forms • Garagekeepers policy • Basic rating vs. special risk rating Crime & Time Element Coverages: Three often overlooked and commonly misunderstood property coverages include Crime Insurance, Business Interruption Insurance, and Equipment Breakdown Coverage. To an inadequately protected business, these coverages can represent the difference between surviving a catastrophe and closing the doors forever. Crop Risk Management: Agriculture is the backbone of the U.S. Ecnonomy. Crops are a major investment for farmers and growers across the country and must be protected against potentially devastating losses caused by the forces of nature. This course explores crop risk management as a whole and looks closely at the differences between crop-hail insurance and multi-peril crop insurance, as well as different plan types and the features of each policy. Flood Insurance – NFIP: Hurricanes Katrina and Sandy are examples of how the impacts of flooding can be far-reaching, affecting both home and business owners. The National Flood Insurance Program (NFIP) was established to provide relief for flooding events such as these. This course satisfies the NFIP Flood requirement for property & casualty agents. Issues explored include: • Causes of Floods • Flood Maps and Zone Determinations • What is Covered and Not Covered • Deductibles and Loss Settlement Procedures Homeowners Insurance: Almost 70% of homes in the U.S. are underinsured for insurance purposes, yet, for most policyholders, their home is their single most valuable property possession and their largest investment. Clients will look to their agent for help, and this course enables agents to understand what they are selling and how to minimize potential for present and future conflicts and misunderstandings. adbanker.com B-2-I Nationwide Provider with State Specific Solutions Continuing Education – Webinar Schedule B-2 Participate live from anywhere with internet access • No final exams • Latest industry trends • Experienced instructors Webinar See course times and availability in your state adbanker.com Credits Credits Jan 14 Jan16 Jan21 Identity Theft* Ethics: Delivering on the Promise P&C Risks and Catastrophes Ethics: Avoiding E&O Pitfalls Health Insurance & the PPACA Disability Income Planning 4 3 4 3 2 4 $45 $35 $45 $35 $25 $45 Jan23 Jan28 Jan30 Feb 11 Feb13 Feb18 Feb19 Life Insurance Plans & Policies* Anti-Money Laundering* 4-Hour LTC Partnership Refresher (Florida Only) California Suitability & Annuities (California Only) Financial Planning Solutions Insurance Fraud 4-Hour Annuity Suitability* Medicare P&C Risks and Catastrophes Ethics: Avoiding E&O Pitfalls Anti-Money Laundering* Health Insurance and the PPACA 5 Hour LTCP Renewal (Colorado Only) 4 4 4 4 4 4 4 4 4 3 4 2 5 $45 $45 $45 $45 $45 $45 $45 $45 $45 $35 $45 $25 $58 Feb20 Feb25 Feb 27 Mar 11 Mar13 Disability Income Planning Life Insurance Plans & Policies* Insurance Fraud Cyber Liability Identity Theft* Ethics: Delivering on the Promise The Health Insurance Marketplace Ethics in the Senior Market Financial Planning Solutions P&C Risks and Catastrophes 4 4 4 2 4 3 3 3 4 4 $45 $45 $45 $25 $45 $35 $35 $35 $45 $45 Mar18 Mar20 Mar25 Mar27 Professional Liability Ethics: Avoiding E&O Pitfalls Health Insurance & the PPACA Disability Income Planning 4 Hour LTC Partnership Refresher (Florida Only) California Suitability & Annuities (California Only) Anti-Money Laundering* Medicare 3 3 2 4 4 4 4 4 $35 $35 $25 $45 $45 $45 $45 $45 Apr8 Apr 10 Apr15 Apr17 Apr22 Apr23 Life Insurance Plans & Policies* Insurance Fraud Identity Theft* Ethics: Delivering on the Promise Cyber Liability Health Insurance & the PPACA 4 Hour Annuity Suitability* Financial Planning Solutions Ethics in the Senior Market The Health Insurance Marketplace Disability Income Planning 5 Hour LTCP Renewal (Colorado Only) 4 4 4 3 2 2 4 4 3 3 4 5 $45 $45 $45 $35 $25 $25 $45 $45 $35 $35 $45 $58 Apr24 May6 May8 May 13 May15 May20 May22 Jun10 Jun12 Jun17 Jun18 Professional Liability P&C Risks and Catastrophes Anti-Money Laundering* Life Insurance Plans & Policies* Medicare 4 Hour Annuity Suitability* Identity Theft* Ethics: Delivering on the Promise 4 Hour LTC Partnership Refresher (Florida Only) California Suitability & Annuities (California Only) Ethics: Avoiding E&O Pitfalls Insurance Fraud P&C Risks and Catastrophes Professional Liability Life Insurance Plans & Policies* Financial Planning Solutions Cyber Liability Health Insurance & the PPACA Ethics in the Senior Market Disability Income Planning The Health Insurance Marketplace 5 Hour LTCP Renewal (Colorado Only) 3 4 4 4 4 4 4 3 4 4 3 4 4 3 4 4 2 2 3 4 3 5 $35 $45 $45 $45 $45 $45 $45 $35 $45 $45 $35 $45 $45 $35 $45 $45 $25 $25 $35 $45 $35 $58 Jun19 Jun 24 Jun26 Anti-Money Laundering* Identity Theft* 4 Hour Annuity Suitability* Insurance Fraud Ethics: Delivering on the Promise Medicare 4 4 4 4 3 4 $45 $45 $45 $45 $35 $45 * CFP Credit adbanker.com