HS 311 Video: Fundamentals of Insurance Planning

A look at the various types of medical expense coverage available in the individual marketplace.

The federal income tax rules that apply to individual medical expense insurance

Topics covered in this video include: the nature of limited-benefit medical expense plans, health savings accounts, and the premium and renewability provisions found in medical expense contracts.

How the market has evolved to make it easier for unhealthy individuals to obtain medical expense insurance and a look at the key provisions of the Affordable Care Act.

This video includes a discussion of conversion privilege and group-to-individual portability.

This video explains COBRA and the various other alternatives for continuing employer-provided medical expense coverage.

This video describes the coverages provided by the standard homeowners policy forms (HO-2, HO-4, HO-5, HO-6, and HO-8), and dicusses the definitions, coverages, and exclusions contained in Sections I and II of the HO-3.

Topics covered in this video include: contractual liability, tort, strict liability, and negligence.

This video continues the discussion of property insurance coverage, explains the coinsurance provision, and introduces Liability insurance concepts.

The tax treatment of property and liability insurance premiums and loss settlements for individuals and businesses, and why there is a need for property and liability insurance planning

Topics covered in this video include: agreed value, stated amount, named and open-perils coverage, and claims settlement duties.

A continued discussion of commercial insurance, covering commercial general liability, professional liability, D&O, and more.

Understanding the importance of ethics in financial services, distinguishing ethics from compliance, and the eight-step model for making ethical decisions

A look at the key types of commercial property and liability insurance available to meet the protection needs of businesses

The need for and general features of personal umbrella liability insurance

This video covers the following topics: key endorsements available to tailor the PAP to common client needs; potential sources of auto coverage for hard-to-insure drivers; key factors for a client to consider when shopping for auto insurance.

This video explains the different types of no-fault auto insurance and benefits.

A look at the basic components of the Personal Auto Policy, and an explanation of the coverages parts A, B, C, and D of the Personal Auto Policy provide.

This video describes the problems associated with auto accidents and the methods of compensating accident victims.

This video describes the coverage provided by the various endorsements available to tailor a homeowners policy to individual needs.

Why property and liability policies other than a homeowners policy may be required to meet the needs of individuals and families, and describe the key policies available

This video describes the main characteristics of title insurance.

A description of long-term care insurance benefits and associated contract terms and policies.

This video explains the need for long-term care and the sources of long-term care financing.

The characteristics of individual long-term care insurance policies, including issue ages and types of care.

This video describes how group long-term care insurance policies differ from individual policies.

The effect of the Health Insurance Portability and Accountability Act (HIPAA) on long-term care insurance

The development of long-term care insurance, including the National Association of Insurance Commissioners (NAIC) model legislation

A look at various terms, features, riders, and benefits associated with individual disability income policies

A look at how employer-provided disability benefits are taxed

This video explains various definitions, exclusions, and benefits associated with disability insurance contracts.

A brief consideration of business uses of disabilty income insurance, including business overhead expense insurance, key person insurance, salary continuation, and buy-sell funding

Topics covered in this video include: sick-leave plans, the characteristics of insured group disability income plans, tax treatment of employer-provided disability income benefits, and the characteristics of individual disability income policies.

This video explains the need for and sources of disability income protection.

A look at the tax implications of employer-provided medical expense premiums and benefits for employers and employees

Exploring the nature of dental insurance plans

This video explains why benefit carve-outs are used with medical expense plans, and describes the carve-outs used for prescription drugs, vision benefits, and behavioral health.

A description of traditional major medical expense coverage, and how this approach has incorporated managed care provisions

Topics covered in this video include: the reasons for the use of managed care, various types of managed care plans, and the nature and purpose of consumer-directed medical expense plans.

This video describes the provisions found in medical expense plans that pertain to eligibility, coordination of benefits, Medicare, and claims.

This video describes three types of riders that policyowners often add to their life insurance policies.

A look at the provisions that are prohibited in life insurance policies.

A description of the provisions that are required in life insurance policies

This video explains the effect of standard policy provisions laws.

Various business uses of life insurance, including: Key Employee insurance, Buy-Sell Agreements, Section 79 Plans, and Split-Dollar Life Insurance

The key approaches to determining the amount and type of life insurance appropriate for a client

The taxation of life insurance benefits and premiums

The taxation of annuities during the accumulation and liquidation periods

This video explains uses of annuities, including charitable gift annuities, structured settlements, and impaired risk annuities.

A look at some major ethical issues involved in annuity sales