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Excerpt from the Bureau of Labor Statistics - Occupational Outlook Handbook, 2008-2009 Edition
Job Outlook
Employment of insurance sales agents is expected to grow about average for all occupations through 2016, and opportunities will be favorable for persons who are college graduates and who have sales ability, excellent interpersonal skills, and expertise in a wide range of insurance and financial services. Most individuals and businesses consider insurance a necessity, regardless of economic conditions, so agents are not likely to face unemployment because of a recession
Requirement for Most Licensees: In general, most licensees holding any combination of licenses for LAH, PC, MGA, LH Counselors, and adjusters of all types including public adjusters, must receive credit for at least 30 hours in each two year renewal cycle. Courses must be taken from the course lists referenced on this site, or be an otherwise certified course or a qualifying courses. Only 15 of the hours may be self study, and 2 must be in ethics/consumer protection. Holders of limited lines and county mutual licenses must complete 10 hours per two years with 2 hours of ethics. Only 5 hours may be self study. At this time, TDI does not have the means to track credits earned by individual licensees. It is the licensee's responsibility to retain certificates of course completion in case of audit.
Please note that to maintain your license, whether or not you are using it, you must meet your continuing education requirements.
There is no continuing education "grace period". Once the expiration date has passed, a violation exists. CE cannot be made up after the expiration date. The fine for not doing the required continuing education is $50 per deficient hour. Call 512.322.3503 for a payment voucher to accompany your payment, which will clear the violation.
Before consulting a general course list, you may wish to see if any company you represent or a professional association you belong to is a provider. Passing a part of many professional designation programs is a way to earn credit. A professional designation program is defined in the rules. It is (A) nationally recognized in the insurance industry, and is (B) issued by an entity that maintains a not-for-profit status and has been in existence for at least five years.
Up to four hours of continuing education credit can be earned by an agent who is an active member of a state or national insurance association. For information about how the credit can be earned, you can review Chapter 4004.0535 of the Texas Insurance Code and §19.1011 and new §19.1020 of the Texas Administrative Code. The rule adopting the new provisions can be viewed from the following location on our website: http://www.tdi.state.tx.us/rules/2005/1229C-059.html.
"Qualifying" courses, not certified by TDI, may also be used for credit. Qualifying courses are insurance courses that are: (A) offered for credit by accredited colleges, universities, or law schools; or (B) part of a national designation certification program; or (C) approved for classroom, classroom equivalent, or participatory credit by the continuing education approval authority of a state bar association or state board of public accountancy; or (D) certified or approved for continuing education credit under the guidelines of the Federal Crop Insurance Corporation.
The following table summarizes the continuing education requirements for license holders:
- License Requirement per renewal period
- General Lines - Life, Accident, Health, and HMO (LAH) 30 hours, including 2 hours of ethics / consumer protection
- General Lines - Property and Casualty (PC) 30 hours, including 2 hours of ethics / consumer protection
- Life/Health Insurance Counselor 30 hours, including 2 hours of ethics / consumer protection
- Adjusters and Public Adjusters 30 hours, including 2 hours of ethics / consumer protection
- MGA 30 hours, including 2 hours of ethics / consumer protection
- Limited Lines (LAH, PC, others) 10 hours, including 2 hours of ethics
- Insurance Service Representative (ISR) 30 hours, including 2 hours of ethics / consumer protection
- Full Time Home Office Employee 30 hours, including 2 hours of ethics / consumer protection; courses submitted to TDI for approval by insurer prior to use
- Funeral Prearrangement none
- Life Insurance Under $15,000 10 hours, including 2 hours of ethics / consumer protection
- County Mutual 10 hours, including 2 hours of ethics / consumer protection
SAMPLE PACKAGES AND CE COURSE DESCRIPTIONS
Remember: On Continuing Ed courses you can pay regular price for individual courses or you can take an unlimited number for $39.95
PACKAGE DESCRIPTION:
- Ethics for Insurance Professional Advanced (9 hours General/Ethics)
- Legal Responsibilities of the Insurance Agent (8 hours General)
- Flood Insurance (3 hours General)
PACKAGE DESCRIPTION:
- Ethics for Insurance Professionals Advanced (4 hour Ethics)
- Employment Law (3 hours General)
- Agency Operations (2 hours General)
- New Employee (2 hours General)
- Anti-Money Laundering for Insurance Professionals (2 hours General)
- Ocean Marine (8 hours P/C)
- Intro to Property and Casualty and the Insurance Contract (3 hours P/C)
PACKAGE DESCRIPTION:
- Ethics for Insurance Professionals Basic (2 hours Ethics)
- Inland Marine Insurance (10 hours Property)
- Flood Insurnace (3 hours Property
We have Insurance pre license classes and insurance continuing ed classes online- life & health insurance classes and property & casualty courses. Online, correspondence, textbooks and exams.
Louisiana - sample courses
Virginia - Sample courses
Mississippi - Sample Courses
Uttah - Sample Courses
includes Course/Core Practice Exam and State ExamSimulator Test Program
Approved Pre-License Hours: 40 Hours
Package Content:
Life & Health Pre-Licensing Course/National Core Online Practice Test State ExamSimulator Testing Program
This all-inclusive course and exam preparation package is designed to give you everything you need to prepare for and pass the rigorous State Licensing Exam. This course surveys life, accident and health insurance principles and concepts common to all state producer licensing exams, giving students the relevant information they need to help pass the exam on the first try. This course is intended as a comprehensive introduction to health, accident and disability insurance. Topics include contract law, health insurance providers, health insurance policies, government programs, private insurance plans for seniors, underwriting and premiums, group health insurance and the uses of health insurance. The course features interactive learning aids that enhance the user’s understanding of key concepts and improve retention. Hundreds of questions with rationales and a final exam are also included within the course.
This coursework is paired with ExamSimulator, and online practice testing program that simulates every aspect of the state exam. Performance feedback reporting is also provided to track your progress and avoid any surprises at the state testing center.
Life & Health Pre-Licensing Course includes:
- Comprehensive online testing system accessible anytime, anywhere.
- Randomized generation of topic quizzes and final exams.
- Automated grading and feedback.
- Unlimited attempts for all practice and final exams.
National Core Online Practice Test includes:
- Over 300 updated national core material exam questions
- Comprehensive online testing system accessible anytime
- Randomized generation of topic quizzes and final exams
- Automated grading and feedback
- Unlimited attempts for all practice and final exams
Exam Simulator Testing Program includes:
- A consistent, easy to follow online format
- Customized quizzes and exams to target your specific needs.
- “No surprises” formatting that matches every aspect of each state’s exam – from graphics to question content.
- Performance data collection and organization
- Powerful database tools you can use to track your results and keep records.
Course Access:
The course will be accessible 24/7 with around the clock technical support available.
Course Availability:
The course will be available for 120 days.
Subject Matter Expert:
ABLE Incorporated is the developer, publisher and online fulfillment provider of the ExamSimulator Testing Program. ABLE Incorporated has been providing state-of-the-art pre-licensing resources for the financial services industry for almost a decade, serving over one million customers.
Florida Life & Health Pre-Licensing Prep Package 40.0
Wahsington D C Life & Health Pre-Licensing Prep Package n/a
Indiana Life & Health Pre-Licensing Prep Package 40.0
On Continuing Ed courses you can pay regular price for individual courses or you can take an unlimited number for $39.95
Agency Operations
APPROVAL NUMBER:
EDU-737-8
CATEGORY:
Accident/Health - Casualty - Life - Property
COURSE DESCRIPTION:
This course is designed to encompass key issues in the business of agency operations. It looks at the various aspects of risk management, and outlines the workings of the insurance markets as they exist today. To highlight the importance of procedural issues, the course also focuses on issues of Errors and Omissions, and links the same to various aspects of the agency business.
LEARNING OBJECTIVES:
Learn about Insurance Agency Operations
Familiarize the student with the concept of Risk Management, its purposes and implementation process within the Agency
Educate the student about different types of insurance markets as well as insurance company evaluation
Familiarize the student with the ethical and legal responsibility pertaining to Insurance Agency Operations
Learn about sales and marketing within the agency
Familiarize the student with Errors & Omissions, and with E&O planning
Understand agency finances including financial management, accounting records, agency accounting and etc.
TOPICS COVERED:
Introduction
Lesson 1: DEALING WITH RISK
Lesson 2: KEY ELEMENTS OF THE RISK MANAGEMENT PROCESS
Lesson 3: INSURANCE MARKET CLASSIFICATIONS
Lesson 4: ETHICS AND LEGAL RESPONSIBILITY
Lesson 5: SALES AND MARKETING
Lesson 6: ERRORS & OMISSIONS
Lesson 7: AGENCY FINANCES
LESSON 8: Insurance Regulation
LESSON 9: Policy Illustrations
LESSON 10: Consumer Protection in the Insurance Industry
LESSON 11: Regulation of Insurance Trade Practices
Insurance pre license classes and insurance continuing ed classes online- life & health insurance classes and property & casualty courses. Online, correspondence, textbooks and exams.
States Served:
Cities Served:
Texas cities
Cities served:
Abilene, Addison, Aldine, Alice , Allen, Amarillo, Andrews, Angleton, Aransas Pass, Arlington, Austin, Balch Springs, Bay City, Baytown, Beaumont, Bedford, Beeville, Bellaire, Belton, Big Spring, Boerne, Bonham, Borger, Brenham, Bridge City, Brownfield, Brownsville, Brownwood, Bryan, Burkburnett, Burleson, Canyon, Canyon Lake, Carrollton, Cedar Hill, Cedar Park, Channelview, Childress, Cinco Ranch, Cleburne, Cleveland, College Station, Colleyville, Commerce, Conroe, Converse, Coppell, Copperas Cove, Corpus Christi, Corsicana, Crockett, Crowley, Crystal City, Cuero, Dalhart, Dallas, Deer Park, Del Rio, Denison, Denton, DeSoto, Dickinson, Dumas, Duncanville, Eagle, Mountain, Eagle Pass, Edinburg, El Campo, El Paso, Ennis, Euless, Farmers Branch, Flower Mound, Fort Bliss, Fort Hood, Fort Stockton, Fort Worth, Fredericksburg, Freeport, Friendswood, Frisco, Gainesville, Galena Park, Galveston, Garland, Gatesville, Georgetown, Graham, Grand Prairie, Grapevine, Greatwood, Greenville, Haltom City, Harker Heights, Harlingen, Henderson, Hereford, Hewitt, Highland Park,, Highlands, Highland Village, Hillsboro, Hondo, Houston, Humble, Huntsville, Hurst, Ingleside, Iowa Park, Irving, Jacksonville, Jasper, Jollyville, Katy, Kaufman, Keller, Kerrville, Kilgore, Killeen, Kingsville, Lackland AFB, Lake Dallas, Lake Jackson, Lakeway, La Marque, Lamesa, Lampasas, Lancaster, La Porte, Laredo, League City, Leander, Leon Valley, Levelland, Lewisville, Liberty, Lockhart, Longview, Lubbock, Lufkin, McAllen, McKinney, Mansfield, Marshall, Mercedes, Mesquite, Mexia, Midland, Midlothian, Mineral Wells, Mission, Mission Bend, Missouri City, Mount Pleasant, Nacogdoches, Nederland, New Braunfels, North Richland Hills, Odessa, Orange, Palestine, Pampa, Paris, Pasadena, Pearland, Pearsall, Pecan Grove, Pecos, Perryton, Pflugerville, Pharr, Plainview, Plano, Pleasanton, Port Arthur, Portland, Port Lavaca, Port Neches, Raymondville, Richardson, Richland Hills, Richmond, Rio Grande City, River Oaks, Robstown, Rockport, Rockwall, Roma, Rosenberg, Round Rock , Rowlett, San Angelo, San Antonio, San Benito, San Elizario, San Marcos, Schertz, Seabrook, Seagoville, Seguin, Sherman, Snyder, Socorro, South Houston, Southlake, Spring, Stafford,,, Stephenville, Sugar Land, Sulphur Springs, Sweetwater, Taylor, Temple, Terrell, Texarkana, Texas City, The Colony, The Woodlands, Tomball, Tyler, Universal City, University Park, Uvalde, Vernon, Victoria, Vidor, Waco, Watauga, Waxahachie, Weatherford, Wells Branch, Weslaco, West Livingston, West University Place, Wharton, White Settlement, Wichita Falls, Wylie
Insurance pre license classes, insurance continuing ed classes online,firm element classes,cfp classes,certified financial planner online classes.Life & health insurance classes and property & casualty insurance . Insurance classes Online, correspondence, textbooks and exams.
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