Continuing Education

edward hulse asked:


Being a professional brings many rewards.  Probably the most important reward is that the individual distinguished himself/herself from the other insurance population.  Instead of clients regarding one as just being an agent placing policies (like countless others) the insurance professional, with the various industry designations, is viewed differently.  Clients view insurance professionals as those who made a commitment to their profession.  The added recognition will help the insurance professional expand his/her business.  Another reward with being a professional would be the status and stature that one enjoys within the community.  People tend to look at professionals as community leaders.  All of us would rather speak with an accountant or with a CPA, about possible tax implications on our income, than a bookkeeper who has a basic high school degree.  Insurance professionals are treated the same way.  Why ask for advice about important insurance coverages from an insurance agent when a Chartered Life Underwriter or Chartered Financial Consultant lives in the same community?  Yes, status and stature are very important.

Another advantage of being a professional is the lucrative benefits to be gained. Countless studies have been done indicating the income spread between the higher echelon insurance professional and the rank and file agent.  We are not speaking of agents who attain the “million dollar table” or “top of the table” distinction.  These members earn more because they sell more.  The point being emphasized is that insurance professionals, with some type of designation, historically have earned more.  Why?  Simply put, those individuals made a time commitment to their business and have been rewarded for doing so.

Another reward for being a professional is the intangible benefit knowing that the advice given could help others reach their personal and financial goals.  Just as a doctor is

rewarded with the knowledge that he/she can heal a sick person, the insurance professional, armed with academic and technical knowledge, realizes that he/she can be instrumental in helping people plan for premature deaths, disability and emergencies.  Also, the insurance professional will play a major role in preparing clients for wonderful retirements.

Yes, being a professional has many awards.  It is demanding and requires many hours beyond the normal hours of business.  It also requires a strong code of ethics and higher academic standards.  However, it offers those individuals an opportunity to build lucrative practices, achieve independence through extensive prospecting techniques and leads to public recognition that cannot be emphasized enough.

Illinois Insurance Continuing Education

Insurance Continuing Education



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edward hulse asked:


The insurance continuing education credits are a measure of the professional qualifications in insurance field that an insurance professional has attained over a period of time. As an insurance professional it is the need of the hour in times of such uncertainties to be updated with the latest in the industry and insurance continuing education credits help you bloom as a professional with adequate certifications in your area of expertise. With cut throat competition in the insurance market, you have to stay ahead of competition by upgrading your knowledge base as well as sales pitch styles to generate maximum sales in order to earn substantial income. Moreover as an insurance professional you should have the ability to deal with any type of insurance products especially those that deal with long term care such as life and health insurance products as they are hard to sell if not pitched properly to customers as the initial premiums involved in paying towards these policies is pretty much on the higher end. The major benefit of enrolling for online insurance continuing courses is to ensure that you get your credits, fast, easy without having to spend many hours going to a regular insurance school where you may have to invest huge sums of many. The insurance continuing education credits help you reinstate your licenses or acquire new license for latest insurance products that may come into vogue. These professional certification programs set high standards for knowledge, conduct, skills, ethics and ensure that insurance professional are extremely well trained and suggest the right kind of products to clients to suit their needs. This kind of education helps insurance advisors to maintain highest level of integrity and professionalism in dealing with clients which would in turn establish great trust and loyalty in the public. The insurance sector is extremely profitable one and hence there are more legal laws involved in governing the insurance products in order to avoid exploitation of resources. Therefore there are many multinational companies who deal with insurance and they are in need for experienced, highly skilled and knowledgeable insurance personnel who can sell insurance products confidently and competently and thereby grab a large portion of market share. In order to be best among the best the insurance continuing education courses train you to excel in a host of insurance products like life and health, risk, property and casualty. Earning insurance continuing education credits is easy as you can procure them online in the comfort of your home. All you need to do is to study for stipulated number of hours as mandated by the available courses and give an online test to prove your mettle and knowledge. Once you clear the test, you will receive your credits within 10 days of writing the test. Each and every course in the online insurance continuing education is professionally designed by experts in the industry and you can earn insurance credits to refresh your knowledge base as well as satisfy your department of state insurance requirements in the most economical way.



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edward hulse asked:


Insurance professionals are subject to state administrative rules and regulations and also to the legal concept of agency. We will cover the role of agency, with its associated topics of power and authority.  Remember that an authorized agent has the power and authority to act on behalf of another.

The concept of agency is important to the relationship between an insurance  professional and his/her  carrier.  Questions of agency also arise regarding the relationship between the insurance professional and his/her client.  Finally, the relationship between the client and the insurance professional acting as a broker is unique and will also be covered.

Role Distinction

Insurance professionals act in three primary capacities for purposes of the law of agency.  They may be captive agents, brokers, or consultants.

Captive agents solicit business on behalf of their particular insurance company.  Insurance broker’s act on behalf of individual clients in order to secure needed insurance coverage.  Consultants provide advice as to the type of coverage needed to be obtained by a client.  For this service they are paid a fee and do not depend on commissions.  Throughout this article, we will focus on the captive agent and the broker.

Insurance Agent

The general definition of an agent is one who is appointed by an insurer to solicit applications for a policy of insurance or to negotiate a policy of insurance on the insurer’s behalf.  An agent could also be a partnership or corporation.  The entity is appointed by the insurer, and receives a written and signed contract from the insurance company.  As part of this process, the insurance agent will be licensed in the state where such contracts are to be solicited.

Agency Basics

A valid agency relationship between an insurance professional and an insurance carrier rests on two fundamental principals. These principals are the concepts of power and authority.

The agent receives power to sell insurance on behalf of a carrier through his/her agency agreement.  Through this agency agreement the insurance professional is given the power  to contractually bind the insurance carrier.  This principal of power is extremely broad.

An agent also derives his/her authority from the agency contract.  The agency contract usually authorizes the agent to:

•    Solicit insurance applications

•    Describe the various coverages offered by the insurance carrier.

•    Provide service to the company’s policy-owner.

•    Collect needed premiums to initiate the insurance coverage.

One must remember that the power and authority granted by the agency agreement is not the same as obtaining a state license.

New Mexico Insurance Continuing Education

Insurance Continuing Education



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edward hulse asked:


For professional advisors and agents in the insurance sector to survive, they have to continuously update themselves with the latest policies and state government norms that are prone to continuous change. This is when a timely requirement for training occurs. Assuming that the life insurance continuing education which is a yearly process is done in the conventional classroom style, most part timers who have chosen the insurance line could be at a loss. This is a set up where everybody’s time must coincide with everybody else’s and a fixed schedule is followed where training takes place for a temporary period when the need arises.

The internet and online convenience has become a blessing for all those part time and full time professionals in the insurance sector who want to pursue continuing education attempting various tests to enhance their credentials. The online process for every kind of life insurance continuing education is very simple. The benefits of the same can be briefly explained.

1. By registering online, time is a big factor that you can save or for that matter you needn’t be constrained or stressed by the fact that you have to be at a place at a scheduled time.

2. In order to progress professionally, when you take the online continuing education, logging in becomes hassle free as there is no password system that could complicate things. Instead there are a lot of free books online for your course study depending on the topic you want certification in.

3. There is a big benefit with the online insurance continuing education as you don’t have to pay until you attempt the exam and get through it successfully. Wouldn’t that be an added advantage especially if you wish attempting a particular exam more than once if you haven’t got through?

4. The courses online are on various topics like health, safety etc. and of course the latest versions are the ones you could access at any point of time.

5. The course can be taken by you at your own time and you are your own boss. The pressure of competition doesn’t exist and at the same time you could find yourself progressing at your own pace.

6. Knowledge acquired here can also be researched online and learning is more authentic as a person taking up an enhancement course in a particular topic has his objectives pretty clear.

For instance let’s say you are from Illinois, you could without hesitation get enrolled with one of the online sites that provides insurance continuing education Illinois based that will have very different rules from that of another state. Therefore depending on the state you are selling insurance policies, it is needless to say that you take up the training concerning the upgraded rules of that particular state. Since every state in America has different norms with regard to selling insurance policies depending on a lot of factors, an insurance agent’s continuing educating is obviously based on the new strategies and policies for the insurance sector laid by the relevant state.



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James Sholis asked:


In this fast-paced world, people are focusing more on getting their complete education, than they had been in the old times. Obtaining a bachelor degree is just one of the basic requirements a person has to accomplish to make a living out of a career.

Although, some individuals are unable to get a bachelors degree due to the high costs of courses a college or univ has to offer, but may also be unable to take out the time from their jobs to take up courses at an institution. —- is a great way for such individuals to acquire the education they need for their careers.

If willing individuals make an effort to move in the direction of distance learning bachelor degree, much can be achieved. Distance learning programs are not bound to any particular age. They also provide open opportunities for continuing education or first time college experience.

Furthermore it is a fact that people with academic degrees are preferred much more than people without them, hence enrolling in a bachelors degree distance learning program can improve your chances of landing onto a great job.

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A few things should be kept in mind when you enroll yourself in bachelor degree distance learning program.

It is most important that you have a lot of motivation and perseverance, for such a distance learning education, as you are not attending a regular college. Unlike regular classes, you will not be facing a teacher directly, but you should be very motivated to take the tests and quizzes.

There is nobody who force you by virtue of daily attendance for instance to attend quizzes, study for lectures before hand and prepare for examinations.

As you will be charged for the distance learning bachelor degree courses, you will end up wasting precious money if you do not pay attention. While your teachers and instructors will try and keep you in check via quiz, assignment and midterm gradings, there is really nothing much they can do if you lose your motivation along the way.

Distance learning bachelor degrees are available for people from different walks of life. You may be fresh graduate, in job or jobless, in transition or retired. The best thing about bachelor degree distance learning programs is the possibility of scoring a scholarship. The transition to distance learning is offered accompanied by an understanding offered by universities to provide financial aid and support. Financial aid is granted to deserving students as a subset of total applicants and it is therefore not guaranteed.

As not all individuals are eligible for this financial aid, one should take out the time to meet a financial advisor to discuss and make certain that he is able to make arrangements to afford the courses prior to enrolling himself with the program.



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lakergirl64 asked:


I have looked online and all it keeps giving me is those pay for information sites. I think that those could be scams. Does anyone know of any real sites to go to?

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Tis Amit asked:


Today the nursing profession is an important element of every healthcare management system. Nevertheless, with the introduction of twin developments of better diagnostic techniques and changing social factors for healthcare delivery has pushed up new challenges to the nursing profession. This certainly implies that now merely having the theoretical or practical knowledge about the technical aspects of nursing is not sufficient for nurses. They must be able to demonstrate and perform leadership roles. The key elements of the emerging scenario clearly indicate that in a present situation the nurse must be capable of make and set up appropriate standards for evaluation and adopt cost-effective healthcare strategies. Thus, in order to respond effectively to the demands of change, continuing education programs in nursing has gained immense popularity over the last few years.

In the past few years, continuing education programs in nursing has become one of the major nursing fields across the United States. They serve as a feasible mean of improving the nursing competence of the practitioner with the outcome of improved health care. The prime objective of continuing education program in nursing is to ensure that nurses remain up-to-date and competent in their professional practice. It is one of the few courses that allow nurses to sharpen professional competence, develop ethical principles of conduct and have the leadership qualities to adapt to changes in the society. Apart from all this, the program even let a nurse make further career advancement in nursing profession. It gives more credentials, which in-turn may help nurses increase their nursing salary. As per the recent study conducted by some of the leading industry experts, near about 80 percent of nurses when interviewed said their salaries increased by more than 15 percent after they decided to advance or continue their nursing education.

These days there are many nursing schools and universities offering online nursing continuing education programs and fulfilling the contact hour requirements for RNs, LVNs and LPNs. In fact, offering benefits like the convenience of completing the course on your own time and pace, online continuing nursing course is emerging as a better option. So, if you are looking to advance your nursing career and select online nursing continuing education program make sure that the course is accredited by the American Nurses Credentialing Center’s Commission on Accreditation or another professional body. In the United States, different states have different requirements, so ensure that the program you are taking actually meet the requirement for practicing as a nurse in your state. However, learning more about specific requirements in your state may further assist you in deciding the right continuing nursing education course.

Certainly, one cannot deny the fact that continuing education program in nursing is an excellent option for completing required courses to renew nursing credentials. Today there are many accredited nursing continuing courses available that is making it simpler for nurses to find the right classes for career advancement or credential renewal.



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marine200338 asked:


i am 43 years old woman,is it logical for me to go abroad for education?

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edward hulse asked:


Insurance is a wholly unique field - one that is tremendously challenging, and enormously rewarding. The reasons the rewards are so huge in the field is because it is not just a policy that is being sold by the insurance professional. It is a whole set of knowledge that helps the customer make a proper plan for his future, and hedge his investments accordingly. In fact, that is the reason a lot of insurance companies call their agents as financial advisors! That is exactly what they are.

But to be capable of that title, there needs to be constant and high quality knowledge upgrading, and there are very few sources which are capable of doing that. For insurance continuing education, the internet is the premium source of information, primarily because it is a dynamic medium which can be updated in real time. As soon as there is a new announcement about some new change in the way insurance is perceived, the internet is where it’ll come up first, and like they say - knowledge is power.

There are some wonderful insurance continuing education online programs in the country (and around the world), and most of the best insurance professionals are all part of these programs. The ones who regularly hit Million Dollar Round Tables and Top of the Tops are all from these clubs. Not only does insurance CE provide the professional with information he can use to increase business, but also helps in various other things which will come in handy as business scales up.

Insurance continuing education is also very important to your clients. They need the knowledge to make informed decisions as well. If you, the agent, isn’t equipped, then who will help them? I know the answer to that, another agent who is up to date on his/her insurance CE and new product offerings. Yes, that is correct, you can actually lose business because you are not up to date on your knowledge and services your state is offering your clients. Remember how important your license is to you and make sure to do what it takes to keep it current and keep your current and future clients happy and informed.

The markets are changing very rapidly, and to be in tune with the requirements of the markets today, it is mandatory that anyone wanting to do well in the field should be a part of an insurance continuing education program. If the program is online, there are no challenges like not being able to make it to the classes due to a packed schedule, or that the distance is too great from the nearest learning center. At our convenience, we can log onto a secure server, update our knowledge, and can take a test that is valid in our state of operation! Since the rules of each state are different from the next, having a provider that takes care of every regulation is a boon truly! If you’ve not tried insurance CE, it is time to do so now!



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Andy West asked:


The choice for online continuing education for adults is now easier to make than ever. The Internet has done a superb job of leveling the playing field for those looking to break into a new career or increase their earning potential without interrupting the schedule of already busy lives. The flexibility and versatility that online education allows ensures that this method of learning will be around for years to come.

Many adults already live full lives and the idea of re-entering a classroom environment after a long absence can be daunting. Yet at the same time, many find the need to have a career that is fulfilling or to open doors in their current vocation. The last thing a working adult who is already balancing home and family wants or needs is an extra schedule to try and fit onto their plate.

That is why online learning is the choice that allows even the busiest of persons to easily earn their degree without missing a single step in their own life. Moreover, the lessons not only come at a time that is more comfortable for the student but in a place they are most comfortable learning. With a comfortable learning environment, the student is able to better retain the material and curriculum.

Online continuing education programs allow students to forgo commute time and expenses while receiving the same courses and classes that they would at an onsite campus. Plus, the curriculum typically allows the student to stay on the fast track, learning material that is valuable and relevant to their current position. Right away, students can see the relevance of the material and put it to use in their current job situation.

With online learning there is no need to rearrange schedules or panic on sick days. The student often chooses how fast or how slow they need the curriculum to go. If there is one thing that a working adult needs a lot of, it’s flexibility.

Aside from time management, the financial aspect of furthering an education is one of the top concerns of working adults. While rising tuition costs and book fees often discourage many from returning to college, continuing education programs still offer the most cost effective way to earn an Associate’s, Bachelor’s or Master’s degree. There are no surprise fees as students are often locked into one tuition price as long as they stay in school.

More often than not, financial aid is available to most students, which can do away with a large amount of the financial burden. One can work with a financial aid advisor to find out the necessary qualifications and just the right financial aid programs to make their online education a reality. Sometimes an employer will offer tuition reimbursement to their employees in these situations.

With so many choosing to further their education in this manner, current and potential employers have come to recognize and respect online learning as a reputable venue. It not only shows the employer that the necessary credentials have been received, but shows the tenacity of an individual willing to improve their situation despite a busy life. It is no secret that employers prefer an employee that is a go-getter.

For many, an online continuing education program is the only way to go. With a number of degree programs available, one can easily find a way to obtain the skills so many employers value in today’s job market. Even after one earns their degree, they can then take part in accredited certificate programs that will keep graduates up to date and certified in their field of choice.



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