Florida Online Insurance CE is both affordable and convenient. Florida Agents can meet their specific insurance continuing education requirements online with MyCEonline, whether its Ethics, Senior Suitability, Long Term Care Partnership Training, NFIP Flood, or Hurricane Loss Mitigation.
Agents may select single courses or opt for the bulk pricing discount (currently priced at $39.95 for up to 24 hours of insurance CE credits). With MyCEonline there are no scheduled classes to attend and you can progress at your own pace in the comfort of your home, office, or anywhere you have an Internet connection.
Ethics
“Ethics for Producers: Cases and Comments” is one of many approved Ethics courses available to MyCEonline students. The purpose of this course is to set forth the fundamentals of ethical practices that are associated with the business of selling insurance: both mandated requirements as well as expected standards. The course takes a practical approach to this topic by including numerous real-life case studies that illustrate the problems and issues that arise when ethics are ignored or neglected. Drawing from these case studies, the course explains the ethical principles that should be integrated into a producer’s day-to-day business practice, emphasizing the standards and ideals that can enhance performance and lead to a higher level of service and success. Case studies pertain to both life/health and property/casualty insurance.
Topics covered include:
- ethics vs. compliance;
- negligence;
- the producer’s role in insurance transactions and the insurance relationship;
- required and expected standards and practices;
- the producer’s duties to insurers and to clients;
- ethics in practice; and
- practice cases for review.
Senior Suitability
Florida agents can currently choose between one of two courses which are approved under the 9911 course authority, Senior Suitability. One of these courses is “Suitability of Annuity and Life Insurance Transactions for Seniors“.
This course was developed for Florida producers to set forth the state’s suitability requirements and suitability standards that apply to annuity sales to senior consumers. To protect the interests of this important consumer group, the state requires that agents conform to specific procedures and obtain certain information before making any annuity recommendation. The course explains these procedures and details the important client data that must be gathered for agents to make informed and suitable product recommendations. It also offers an overview of common annuity products and their features.
The course covers the following topics:
- The Need for Suitability Standards
- Features of Annuities
- Know Your Customer
- Ethics and Compliance Aspects of Senior Suitability
This course is designed to fulfill the three hours of study Florida agents must have on the topic of insurance and annuity suitability and covers the topics cited by the Department of Financial Services in the senior suitability course outline. It includes samples of the DFS’s “Annuity Suitability Questionnaire” and the “Disclosure and Comparison of Annuity Contracts.”
Long Term Care Partnership Training
For Agents who sell Long Term Care Insurance, MyCEonline offers BOTH the 8-Hour initial training as well as the 4-Hour ongoing training that is required each compliance period. BOTH are Clear-Cert Certified.
The 4-Hour course, entitled “4-Hour Long Term Care Review, provides a thorough review of long-term care, long-term care insurance, and long-term care partnership programs. It covers the following topics:
- What Is Long-Term Care?
- Paying for Long-Term Care: Public Options
- Paying for Long-Term Care: Private Options
- Long-Term Care Insurance
- Long-Term Care Partnership Programs
- Long-Term Care Suitability
This course is specifically designed to meet the ongoing study requirement for licensed producers who have completed an initial long-term care training program and has been approved for this purpose.
NFIP Flood Requirement
Florida agents can take their “Flood” course online. Here is the course description for the course “National Flood Insurance Program: What You Must Know (IRMI)”
Standard residential and commercial property policies normally exclude flood losses, due to their catastrophic nature. In response to an overall need for flood insurance, Congress passed the National Flood Insurance Act of 1968. This Act established the operation of a national program for providing this much-needed coverage. The National Flood Insurance Program (NFIP) is managed by the Mitigation Division of the Federal Emergency Management Agency (FEMA). Homeowners, commercial property owners, and residential and commercial renters desiring flood insurance must procure this coverage directly through the NFIP or through the insurer who writes their homeowners coverage in some cases.
This course provides an introduction to flood insurance, focusing on the standard coverage found in the NFIP forms. It is predicated on the recommended outline provided by FEMA for flood insurance training for insurance agents. The course begins with an overview of the NFIP. It then discusses key areas such as flood maps and rating, general rules such as eligibility of the key flood forms, covered property and additional coverages provided under the forms, and the covered peril and other provisions. It concludes with a discussion of the claims handling process, the Flood Insurance Reform Act of 2004, and agent resources.
This course focuses on flood insurance, as provided through the National Flood Insurance Plan. The objectives for this course include providing the student an understanding of the following.
- The types of floods, national statistics, and loss control measures concerning this peril
- NFIP background and overview of the program
- Flood maps and basic rating provisions
- General rules including application procedures
- Types of flood policies and eligibility requirements for each
- Covered building property and covered personal property under the flood policy
- Additional coverages, such as debris removal and increased cost of compliance
- Covered perils and exclusions
- Valuation and coinsurance provisions
- Claims handling process
- Requirements of the Flood Insurance Reform Act of 2004
Hurricane Loss Mitigation
MyCEonline has 2 courses to help Florida P&C agents meet their Hurrican Loss Mitigation requirements online. Both are approved under the 9910 course authority. One of these courses is “Hurricane Loss Mitigation and Premium Discounts (IRMI)”.
The purpose of this course is to provide a thorough review of the Florida Comprehensive Hurricane Damage Mitigation Program and the options that are available to homeowners to strengthen their homes against hurricanes and thus qualify for premium discounts on their property insurance policies. The state of Florida requires that all licensed general lines insurance agent and customer service representatives obtain one hour of CE on this subject every two years; this course has been approved for this purpose. Upon conclusion of this course, the student will be prepared to
- Explain the Florida law mandating premium credits on residential property insurance policies.
- Identify and describe the various wind-resistive features on a home and recommend improvements that can be made to these features.
- Explain the availability of residential property insurance premium discounts for hurricane mitigation, based on the type of mitigation work done, the location of the home, and the insurer.
- Describe the Florida Comprehensive Hurricane Damage Mitigation Program, identify homeowners who are eligible for the “My Safe Florida Home” program, and explain the steps a homeowner must take to receive premium discounts under the program.
To enroll in any of these courses, just go to the MyCEonline Insurance Continuing Education Center, click on “course catalog” located on the left side of the screen, select your state, license type, and then your course.
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