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How Your Continued Education Can Stomp Out Insurance Misconceptions


Sep 18, 2015
Insurance is a complex and ever-changing industry that many average joes simply don’t understand. As an agent, it’s your job to educate your clients on their options and how their policies can be beneficial in times of need. But, being in a role to teach and offer financial advice requires extensive knowledge on your part. And that knowledge must continue to grow if you are to remain successful. There are plenty of insurance myths t...
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How Continuing Education Benefits Your Clients


Aug 05, 2015
Every independent insurance agent is required to take a certain number of continuing education classes every few years, depending on the laws of the state in which you live. If you’re an agent, then you already know this. In fact, you may have already taken some coursework. And you may have done so begrudgingly. But, rather than view continuing education as being forced back into the unpleasant task of school, view it instead as an opport...
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Business Interruption Insurance


Jul 31, 2015
Property insurance may pay enough to replace damaged or destroyed equipment or buildings. But how will businesses pay costs such as taxes, utilities and other continuing expenses during the period between when the damage occurs and when the property is replaced? Business interruption insurance can provide enough funds to pay a business owner's fixed expenses during a period of time when their business is not operational. Business interrupti...
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Commercial Crime Insurance Part 3


Jul 29, 2015
This is the last part of our four-part series on Commercial Crime Insurance and we will discuss Crime Insurance Agreements. Crime Insurance Agreements   Another change in the crime program is the ability to add additional crime insurance agreements to the primary crime form CR 00.   To get extortion coverage, individuals no longer need to issue a separate policy or section. They should simply endorse the extortion insuring...
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Commercial Crime Insurance Part 2


Jul 24, 2015
  This blog is the second of a four-part blog on Commercial Crime Insurance. It will discuss internet controls and commercial crime policies.     Internal Controls   Some companies underestimate the benefits of controls. To minimize the direct loss of money, securities, or property, and the consequential effects of such loss, good internal controls are necessary. Any internal control should accomplish four gene...
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Commercial Crime Insurance Part 1


Jul 15, 2015
Considering the breadth and the impact of commercial crimes, this is the first of a three-part blog on Commercial Crime Insurance.   Insurance fraud is everyone’s business, whether it involves a six-figure scam, a padded claim, or false and misleading statement on an insurance application. The biggest challenge facing insurance companies is the public attitude toward tolerating the soft fraud because it all results in higher insura...
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A New Way to Get an Education


Jul 10, 2015
Do you remember sitting in a small wooden desk and listening to a professor lecture you at the same time every week, even if you had a pressing matter you’d rather be attending to? Well, the stuffy classrooms of yore can stay in your past, thanks to the option of online education. As an independent insurance agent, part of your job entails refreshing your education every so often (the requirements vary by state). After all, you must maint...
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FARM, RANCH, AND CROP INSURANCE - PART 2


Jul 07, 2015
Crop Insurance   Crop hail insurance covers crops for hail, fire and lightning, and transit. Some insurance companies have expanded the transit coverage by endorsement to cover transportation of the crop to its first place of storage at a distance of not more than fifty miles for an amount up to no more than $2,000.   It is important to understand that crop hail insurance is not a loss of quality insurance. A crop may be impact...
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Farm, Ranch and Crop Insurance - Part 1


Jun 24, 2015
This is the first of a two-part blog series on Farm, Ranch, and Crop Insurance.   Many people romanticize the life of the rancher or farmer. They envision rippling fields, fiery sunsets, and a vast and sweeping horizon. This image neglects the challenging aspects of living off the land. In a life filled with uncertainty - about crops, prices, livestock and weather - an individual needs an insurance policy that's a sure thing.  ...
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Life Insurance for Seniors - Types of Analysis Approach


Jun 12, 2015
When analyzing life insurance needs for Seniors, there are several analysis approaches insurance agents can use. This blog will present just a few of these approaches. Insurance agents can purchase life insurance online ce courses on our website. Income Replacement   The income replacement approach to life insurance needs analysis is based on the premise that, the basic objective of life insurance is to replace some or all of the earni...
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Is Learning in Your Pajamas Right for You?


Jun 08, 2015
Since laws are often changed and the insurance industry is in constant flux, it should come as no surprise that insurance agents must refresh their education in order to maintain their license. The laws vary by state, but all insurance agents are required to take a certain amount of continuing education courses over the years. While this may not sound like an enticing part of the job description, it is necessary to stay current with the latest in...
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Principles of Life Insurance - Part 3


Jun 04, 2015
This is the last part of a three blog series on Life insurance.  Part 1 covered Term Life vs. Permanent Life Insurance, Part 2 covered Term Life vs. Whole Life Insurance, and Part 3 covers Whole Life Insurance.     Whole Life Insurance   Whole life insurance is in effect for an insured person's entire life. The amount of an individual’s premiums generally remains the same over the life of the policy and mus...
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Life Insurance for Seniors - Resources Available for Retirement


Jun 02, 2015
This blog is a brief overview of some of the resources available for retirement. The knowledge of these resources will play an important role for insurance professionals in determining the best options for their clients. Social Security   Social Security protects workers and their families during their working lives and through their retirement. It's the primary source of retirement income for most Americans.   Because of ...
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Life Insurance for Seniors - Analyzing the Life Insurance Needs of Seniors


May 21, 2015
Purpose of Life Insurance   The most common use of life insurance is to address survivor income needs. The proper life insurance policy can provide financial security for survivors in the event of the income provider’s death.   Life insurance can be viewed as an investment. Because the return on a life insurance policy is greatest in the event of a premature death, life insurance can be viewed as a protection that will ens...
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Principles of Life Insurance - Part 2


May 12, 2015
This is the second part of a three blog series on Life insurance.  Part 1 covered Term Life vs. Permanent Life Insurance, and Part 2 covers Term Life vs. Whole Life Insurance and Part 3 covers Whole Life Insurance.   Term Life vs. Whole Life   Term Life Insurance, also called temporary insurance, covers a person against death for a limited time. For example, the term life might be until children are grown, or until college ...
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Principles of Life Insurance - Part 1


May 07, 2015
This is the first part of a two blog series on Life insurance.  Part 1 covers Term Life vs. Permanent Life Insurance and Part 2 will cover Term Life vs. Whole Life Insurance and Part 3 covers Whole Life Insurance.   Term Life vs. Permanent Life Insurance   Generally speaking, there are two categories of life insurance:   Term life, which covers individuals for a specific time period, or term. Permanent life, whic...
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3 Reasons to Take Online Recertification Courses


May 04, 2015
A big part of an independent insurance agent’s job is customer service. Think about it—customers call you for information about a topic you specialize in and you help them find an affordable solution. As such, it’s in your agency’s best interests to stay current on all insurance recertification requirements with online coursework. And if that’s not enough to convince you, here are three more reasons.   It...
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Managed Healthcare Part 3: PPO


Apr 27, 2015
This blog is the third and final part of a series of three on managed healthcare. The first part was about HMO and the second one about IPA. For more information on Managed Healthcare, visit our website to find the best online ce courses to suit your needs.   Preferred Provider Organizations (PPO)   In between the free choice offered by an indemnity policy and the restricted choice characteristic of a health maintenance organiza...
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Managed Healthcare Part 2: IPA


Apr 22, 2015
This blog is the second part of three on managed healthcare. The first part was about HMO and the third one will be about PPO. For more information on Managed Healthcare, visit our website to find the best online ce courses to suit your needs. Any program that does not follow the traditional fee-for-service is considered an HMO.  There are now many types of plans available.  Each one has unique characteristics that distinguish it from...
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Insurance Classroom Presents Booth at ITC Agent Conference 2015


Apr 14, 2015
  Insurance Classroom is pleased to announce that we will be having a booth at ITC Agent Conference on April 23rd and 24th at the Dallas Marriot in Las Colinas. This will be the second time we will be attending and are looking forward to meeting agents from all over the country. Our booth will include giveaways and the opportunity for a 20% discount on any continuing education online course. Our staff will also be on hand to discuss any ...
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Managed Healthcare Part 1: HMO


Apr 09, 2015
This blog is the first part of three on managed healthcare. The second blog will be about IPA and the third one about PPO. For more information on Managed Healthcare, check out our online CE courses on our website. A Health Maintenance Organization (HMO) is any health-care delivery system that offers both coverage for medical care and the care itself for a prearranged price. When individuals join one, either as an individual member or through t...
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Set Yourself Up for Success with the Right Education


Apr 07, 2015
As an independent insurance agent, you already know that part of the job includes taking continuing education courses throughout your career in order to maintain your license (requirements vary by state). But rather than viewing it as a boring requirement, it’s in your best interests to see it as a chance to set yourself up for success instead. Becoming familiar with the latest industry trends and emerging hot-button issues is important i...
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The Basics of Individual Retirement Annuity (IRA)


Mar 26, 2015
An Individual Retirement Account or Individual Retirement Annuity (IRA) is a type of retirement savings arrangement under which IRA contributions, up to certain limits, and investment earnings are tax-deferred. That is, interest earned and gains received inside the IRA are free of federal income tax until withdrawn from the IRA. IRAs are primarily plans of individual savings rather than employee benefits.  Their features should be understo...
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What is Business Insurance?


Mar 23, 2015
Business insurance is insurance designed to meet the needs associated with operating and running a business. The needs of operating and running a business are very similar to the needs of personal insurance.  These needs include money to: Guarantee a steady, reliable income for the businessman’s family. Meet liquidity needs. Provide a nice income for retirement. Income protection should one become disabled. Why Sell...
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Types of Annuity Contracts


Mar 16, 2015
Most of us already know that an annuity is an investment that gives the investor a set amount of money at retirement for the rest of one's life. There are a few types of annuity contracts which we explore in this blog: Flexible-premium deferred annuity Single-premium deferred annuity Joint and last survivor annuity Variable annuity   Flexible-premium deferred annuity The most significant individual annuity contrac...
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Why Learn Insurance Online?


Mar 11, 2015
Being an independent insurance agent is no simple task. You spend all day helping clients and keeping up with daily operations at the agency, then come home to spend time with your family. When it comes time to take the required continuing education courses in order to keep your insurance license, you may find that there’s just not enough time to go around. Going directly from work to a classroom can be tough on your schedule. But luckily...
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The Insurance Contract


Mar 02, 2015
What exactly is an insurance contract?   An insurance policy is the legal document prepared by the insurance company which sets forth the rights and duties of the parties, and constitutes the contract of insurance between the policy owner and the company.   Life insurance contracts are legally classified as informal contracts and certain requisites must be met to accomplish the formation of a legally binding informal contract: ...
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Whole Life Insurance


Feb 20, 2015
Whole life insurance has been the mainstay of the life insurance business for over a century and continues to be a significant component of new life insurance sales and an even larger component of life insurance in force.    Whole life insurance provides for the payment of the face amount upon one's death regardless of when it occurs.  Why should you consider whole life insurance?  Because, the whole life insurance pol...
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Importance of Ethics in Insurance


Feb 11, 2015
Ethics As an insurance professional, you are required to act in the best interest of your clients and you are required to make competent recommendations and full disclosure of all facts necessary to enable your clients to make informed decisions for themselves.  Since the main purpose of an insurance company is to provide protection for clients, it is critical for agents to remain ethical.  Clients must be able to trust the insuranc...
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Elements of Commercial Property Coverage


Feb 04, 2015
We had talked about the different types of commercial property in our last blog, so now let’s discuss the applicable elements of the commercial property coverage.   Commercial Property Declarations The declarations page contains items such as the description of the property insured, the kinds and amounts of coverage provided and the covered causes of loss (basic, broad, or special), a list of mortgages, if any, the deductible amo...
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The Benefits of Online Insurance Certification


Feb 02, 2015
After a long day at the office, most people want nothing more than to return home to an enjoyable evening with their family. However, when it comes time for an independent insurance agent to take recertification courses, he or she is faced with the harsh reality of going to class rather than relaxing during free time. Wouldn't it be great if you could kick the classroom and study at your own pace in the comfort of your home or office? That...
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The Purpose of Life Insurance


Jan 30, 2015
Many people don't purchase life insurance simply because they don't see the purpose of paying premiums without immediately receiving something in return.  So what exactly can you use life insurance for?   For Income Replacement   While you may see yourself as nearly immortal when you are young, we will each face mortality at some point. People left behind will not only be grieving your loss, but they can also face f...
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Anti-Money Laundering (AML) and the Life Insurance Company


Jan 28, 2015
In many criminal activities there is a need for money laundering.  Criminals are attracted by insurance products for the simple reason that they give them a way to purchase a policy with illegal money which they can then surrender for cash.  Today, society is fighting back.  The Anti-Money Laundering (AML) rules require insurance companies to comply with specific requirements to combat money-laundering practices. For the Anti-Mon...
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Staying Up to Date on Your Insurance Licensing


Jan 09, 2015
As an independent insurance agent, you know that staying up to date on your licensing is a vital part of the job. And though each state has different requirements, they all require you to take continuing education courses to maintain your license. Why is it so important to continue learning throughout your career? Your success as an agent depends on your ability to offer sound advice to clients. And in order to offer sound advice, you must be v...
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How Continued Education Sets You Apart From the Crowd


Dec 14, 2014
As an independent insurance agent, you’re in the position to offer clients advice on insurance products. That advice may keep them safe and sound, or it may cost them thousands if you advise them not to purchase coverage they wind up needing. Being that your advice is essentially financial in nature, it’s important to stay on top of your game. To maintain your license, you’re required to take continuing education courses (requ...
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Recertification Requirements in Texas


Nov 14, 2014
Are you an independent insurance agent? Chances are you already know about the continued education requirements that go hand in hand with the profession. You must take recertification courses in order to stay current with industry laws and changes, so you can continue assisting your clients over the years. Every state has different recertification requirements—all of which can be met with the coursework found at Insurance Classroom—bu...
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How CE Courses Keep You Up to Date


Oct 10, 2014
Do you remember when you were in school, no matter how far back that might be? You probably remember how much you hated doing homework and sweating over studying for those big tests. But push that aside and think about the wealth of knowledge you gained during those years. Being in an organized class and completing the professor’s assignments helped shove quite a bit of knowledge into your brain. Not to mention, registering for new classe...
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Why is Continuing Education Necessary for Independent Insurance Agents?


Sep 16, 2014
Why is continuing education necessary for independent insurance agents? That is a great question and we'd like to help you with the answer. First: Some states require insurance agents to take continuing education so they stay current with industry trends and changing laws. You can find the requirements and courses specified to your state. Second: When you work with customers or potential customers, you communicate professionalism when you...
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What CE Credits are Required of Me?


Aug 15, 2014
Passing the state-administered licensing exam isn’t the end of an independent insurance agent’s education. In fact, all agents in all states are required to take continuing education courses every two years, though the number of hours of coursework varies by state. Why is it important to continue your education? Staying informed of evolving industry needs, government benefit programs, tax laws and other regulations helps you better se...
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How to Use Social Media to Promote Your Agency


Jul 25, 2014
Social media is a great tool for engaging with your clients and promoting your agency. Devoting some time to monitoring and updating your accounts each day could be incredibly beneficial for business. However, the goal is not to talk only about the insurance products you offer, but rather you should focus more on creating a community that your clients find valuable. Try some of these ideas. ·       &nbs...
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Continuing Education for Independent Agents Benefits Insurance Consumers


Jul 17, 2014
An independent insurance agent represents the insured, not the insurance company. When he invests his time and money in continuing education, it's to benefit the clients he serves. Policyholders are more than just numbers and premiums. They are friends, neighbors and business associates; so agents want to do more for them than just write policies. Independent agents counsel clients and advise them. They guide them through the insurance purc...
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Why a Better Education Makes You a Better Agent


Jun 30, 2014
Every independent insurance agent knows that after passing the licensing exam, you’re still required (in most states) to take continuing education courses every two years. But apart from the requirement, and the fine that goes along with failing to meet it, there are many more reasons to improve upon your education. The main reason, and the reason why CE courses are required, is to keep agents current with the evolving landscape of the in...
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Fourth of July – Celebrate Freedom, Fireworks, and Major Sales on Insurance Continuing Education!


Jun 23, 2014
Insurance Classroom wants to get a head start with the festivities and wish all of our clients and supporters a very Happy Fourth of July!  We wish everyone a safe and enjoyable experience whether you’re spending time on a lake, at a park, or just at home with family.  This is a great opportunity for Insurance Classroom to thank all of our supporters and remind them that after the partying and shopping is done they can get ahead o...
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Insurance Classroom Honors Memorial Day – Offers Huge Savings!


May 22, 2014
Did you know Memorial Day was once known as Decoration Day?  Many cemeteries used to remember our fallen soldiers on various days by decorating the tombs of soldiers until much later when the federal government named it Memorial Day and set it on the last Monday of May.  In observance of Memorial Day we wanted to do something very special for our customers.  Insurance Classroom will be giving 50% off ALL PURCHASES from Thursday (5/...
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Calling All Insurance Agents - Give Yourself the Gift of Continuing Education


May 12, 2014
I’m sure many of you are rolling your eyes, considering that continuing education for insurance agents and the word “gift” don’t belong in the same sentence.  Maybe if a negative was added in there somewhere then the statement would be easier to digest.  Though getting your continuing insurance credit hours is legally mandated, it definitely doesn’t need to be a chore! Studies show that the human brain, d...
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Why You Should Stay Up-to-Date on Insurance Certification


Apr 29, 2014
As an insurance professional, your customers expect you to have a vast knowledge of the ins and outs of the industry, including new laws and regulations, hot topics and trends, state requirements, government benefit programs, tax laws and any other regulations that pertain to selling insurance. You can better serve your customers if you're equipped with the knowledge to assist them with every insurance need. The best way to stay current wi...
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Insurance Classroom On Tour!


Apr 23, 2014
Recently Insurance Classroom took part in multiple conferences in Texas including the Federation of Insurance Women of Texas Conference in Austin, TX and the first ever ITC Agent Conference!  Insurance Classroom wants to get the word out that getting continuing education credits for any type of agent license is now fast and convenient.  At the FIWT, a professional organization for the insurance industry in Texas with roots in retail age...
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Come Visit Us at ITC Agent Conference 2014!


Apr 02, 2014
Insurance Classroom is attending ITC Agent Conference on April 15th and 16th at the Omni Mandalay Hotel Las Colinas. What is ITC Agent Conference? It’s a two-day conference filled with panels and seminars to give independent insurance agents ideas and information on how to improve their agencies. Classes will cover a variety of topics, including marketing, rating, management, technology and leadership. Not to mention, it’s the perfect...
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How Online CE Classes Can Benefit You and Your Agency


Mar 27, 2014
After an independent insurance agent passes the state-administered licensing exam, he or she is still required to take a number of continuing education courses every two years, as required by the state in which you sell insurance. This requirement is designed to keep agents informed and current about evolving industry needs, tax laws, government benefit programs and any other regulations pertaining to advising customers and selling insurance. W...
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Insurance Classroom now offering 24 hour CE packages in Washington


Mar 12, 2014
Insurance Classroom, a leading online insurance CE provider and licensed continuing education provider with the Washington Department of Insurance, now offering 24 hour CE packages in Washington. We are continuing to develop online insurance CE courses so insurance agents can easily obtain their required CE credits. Our platform is state of the art and allows for instant test taking, instant grading, unlimited attempts and next day reporting.
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Insurance Classroom now offering a 3 Hour Ethics CE course in Colorado for only $14.99


Mar 10, 2014
Insurance Classroom, a leading online insurance CE provider and licensed continuing education provider with the Colorado Department of Insurance, offers individual CE courses and 24 hour CE packages in Colorado. We are continuing to develop online insurance CE courses so insurance agents can easily obtain their required CE credits. Our platform is state of the art and allows for instant test taking, instant grading, unlimited attempts and next ...
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Insurance Classroom now offering 24 hour CE packages in Pennsylvania


Mar 07, 2014
Insurance Classroom, a leading online insurance CE provider and licensed continuing education provider with the Pennsylvania Department of Insurance, is now offering 24 hour CE packages in Pennsylvania. We are continuing to develop online insurance CE courses so insurance agents can easily obtain their required CE credits. Our platform is state of the art and allows for instant test taking, instant grading, unlimited attempts and...
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Insurance Classroom now offering 24 hour CE packages in Colorado


Mar 05, 2014
Insurance Classroom, a leading online insurance CE provider and licensed continuing education provider with the Colorado Department of Insurance, is now offering 24 hour CE packages in Colorado. We are continuing to develop online insurance CE courses so insurance agents can easily obtain their required CE credits. Our platform is state of the art and allows for instant test taking, instant grading, unlimited attempts and next day reporting.
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Insurance Classroom now offering CE packages in Illinois


Mar 03, 2014
Insurance Classroom, a leading online insurance CE provider and licensed continuing education provider with the Illinois Department of Insurance has just received approval for multiple new courses.  We are continuing to develop online insurance CE courses so insurance agents can easily obtain their required CE credits. Our platform is state of the art and allows for instant test taking, instant grading, unlimited attempts and next day repo...
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Insurance Classroom will be attending the ITC Agent Conference


Feb 28, 2014
Insurance Classroom, a leading online insurance CE provider and licensed continuing education provider in numerous states like Texas, Georgia, Colorado, Illinois and California will be attending the first ever ITC Agent Conference. ITC Agent Conference is expected to attract 500 insurance professionals in 2014. The event includes 15 breakout sessions, keynote address by Tom Freeland from Infinity Insurance, trade show and fun activities like go...
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Texas Insurance License renewal with continuing education requirements


Feb 18, 2014
Requirements for Texas insurance license renewal and insurance CE in Texas by license are as follows: 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...
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5 Tips for Attracting New Customers


Feb 14, 2014
While you may play a big role in running your agency day-to-day, you also must find ways to attract new customers in order to grow your business. Many marketing techniques exist to gain buzz, but we’ve detailed five of the most effective methods below for you to incorporate into your own marketing strategy.   Utilize social media: While you may be on Facebook, it’s a good idea to branch out to other social media platforms ...
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Texas Insurance CE Classroom Equivalent Courses


Feb 13, 2014
Insurance Classroom offers classroom equivalent courses and self study courses for the State of Texas. We are a Texas Department of Insurance licensed continuing education provider. We report your credit hours within 1 business day guaranteed. The courses are simple and all available online through a brand new interactive website. All the tests are online and allow for unlimited retakes. You should have no trouble passing and learning from our co...
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Texas Insurance CE requirements


Feb 04, 2014
Requirements for Insurance CE in Texas by license are as follows: 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 ...
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Texas Insurance CE Credits and Transcripts


Jan 30, 2014
Insurance classroom offers classroom equivalent and self study courses for the State of Texas. We are a Texas Department of Insurance licensed continuing education provider. We report your credit hours within 1 business day guaranteed. The courses are simple and all available online through a brand new interactive website. All the tests are online and allow for unlimited retakes. You should have no trouble passing and learning from our course mat...
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Online Insurance CE in Texas and other states - Limited Time 15% Discount Offer


Jan 28, 2014
Try our Insurance Continuing Education Courses now for the following states: Texas Pennsylvania Washington Colorado Georgia See all available states Use the discount code: FB15
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What Does it Take to Become a Certified Independent Insurance Agent?


Jan 28, 2014
Independent insurance agents partner with a variety of insurance companies in order to match clients with policies that offer the best coverage for the best price. So how do you become one? It starts with school. Though it’s not necessary to have a college degree to become an agent, the education certainly helps you run a business. Degrees (or coursework) in finance, business, economics, marketing, etc. can provide the tools you need to s...
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Insurance Classroom: Complete Online Insurance CE Offering in multiple states


Jan 23, 2014
We currently provide insurance continuing education in the following states: Texas Texas Pennsylvania Washington Colorado Georgia We provide the following services: Online CE Online Exams Instant Grading Printable Completion Certificates Next Business Day Credit Reporting   We are currently working on providing the following services: Insurance online continuing education Partne...
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Georgia Winter Storm: How this will affect Insurance Agents in Georgia


Jan 20, 2014
The Office of the Insurance and Safety Fire Commissioner has put out a list of common scenarios faced by Georgia residents. These questions will be asked of insurance agents. Here is a sample from the early January reports: - Repairing damage to internal plumbing caused by freezing will generally be covered by your homeowners policy. The policy should also pay for damage to carpeting, furniture, and other belongings caused by your own pipes ...
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Texas Department of Insurance: Surplus Lines Stamping Office


Jan 16, 2014
The Texas Department of Insurance Commissioner, Julia Rathgeber, has appointed 3 new members, Randle Loving, Paul Rainey, and Cynthia Vickers to the Board of Directors of the Surplus Lines Stamping Office of Texas for terms to expire December 31, 2016. As per the TDI website, here are their brief bios: "Randle Loving of Tyler is Vice President of Loving and Etheredge, Inc., doing business as Texas Commercial Insurance Facilities.  H...
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County Mutual and Limited Lines Insurance Agent License - Texas Insurance CE


Jan 14, 2014
Limited Lines Agent requirements for the Texas Department of Insurance (TDI) 1. Licensing Fee: $50 2. Continuing Education Requirement: 10 hrs/2 year  /  2 hrs Ethics - 50% classroom or classroom equivalent 3. Pre-requisite Training / Course: None   County Mutual Agent requirements for the Texas Department of Insurance (TDI) 1. Licensing Fee: $50 2. Continuing Education Requirement: 10 hrs/2 year  /  2 hrs E...
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Named Driver Policies in the Texas Insurance Market


Jan 02, 2014
As of Jan 1st 2014 Texas insurance agents must now be compliant with SB1567. The Texas Department of Insurance is yet to create rules for the bill, however, agents must be compliant based on their own interpretation of the bill. The text of the bill is as follows: A BILL TO BE ENTITLED      AN ACT        relating to coverage of certain persons under an automobile      insu...
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Using Email Newsletters to Promote Your Independent Agency


Dec 31, 2013
You can tell customers to visit your website until you turn blue, but the truth is, they probably forget almost every time because too many other things are competing for their attention. A written reminder works best. Using email newsletters gives your intended message and links directly to your customers’ inbox, making you more visible and memorable. How can you do this? Here are a few tips for creating successful, attention-grabbing emai...
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Top websites for Insurance Agents and other Insurance Professionals


Dec 10, 2013
You need to stay updated on the latest insurance developments in your state and across the US. Here are same great resources to help you achieve your goals:   Insurance news, latest developments, marketing etc: Insurance Journal – Excellent for localized news and you can also subscribe to a free hard copy insurance magazine delivered right to your door. PropertyCasualty360 – Fantastic news coverage and informative da...
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Top 3 Marketing Ideas for Insurance Agents in Texas


Dec 05, 2013
Texas has fantastic weather all year round and Texans have a special loyalty to the Lonestar state, it just makes sense to have Texas specific marketing ideas for insurance agents:   Social Media: Yeah it sounds all the same, but it isn’t. Texas is one of the largest states and is really spread out. There are a lot of small towns that are miles away from any major city. These towns usually don’t get the full offering becau...
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TDI issues notice of Texas Windstorm Insurance Association Meeting


Dec 02, 2013
The TWIA expert panel plans to conduct a public meeting. This meeting will allow for the public to stay abreast with TWIA’s progress and ask questions of the panel. According to the Texas Department of Insurance website: “The TWIA expert panel has been appointed under Insurance Code §2210.578 and 28 Texas Administrative Code §§5.4260-5.4268. The panel’s purpose is to develop ways of determining whether a loss t...
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Harnessing the Power of Social Media


Nov 19, 2013
It’s clear that social media is becoming an increasingly more important aspect of every good business plan in today’s age of technology. Nearly 60 percent of people talk more online than they do in person—and that’s a fact that can’t be ignored! Insurance agencies’ online presence may not be as cool as car manufacturers or beloved retailers, but insurance is still a part of everyone’s life and your custom...
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Online Resources for Continued Education in Insurance


Oct 22, 2013
Insurance agents and adjusters are required to take a certain number of continued education hours each year, though the requirements vary by state. This is to ensure that agents maintain extensive knowledge of the current insurance landscape. Whether your state laws have changed or you want to stay up-to-state with Health Care Reform, continued education courses can help you better serve your customers. The easiest way for an agent to meet thei...
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5 Steps to Certification as an Insurance Agent


Sep 23, 2013
The life of an insurance agent is a challenging yet rewarding one. Sifting through the thousands of available insurance deals for one that meets the criteria of a client is a complex process. However, knowing that you’re helping to protect their assets - and their future - can make the toil well worth it. If you’re considering a career as an insurance agent, you should go into the process with your eyes wide open, as it is certainly n...
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The Importance of Insurance Agent Re-Certification


Feb 22, 2013
People in the insurance industry understand the importance of insurance agent re-certification. There are standard qualifications that agents need to meet in order to be awarded a higher status; a status that allows them to gain both recognition from the public and the rest of insurance industry. These "key pillars" act as a sort of "fitness" review for an insurance agent that, when achieved, give them credibility and trust among customers a...
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Conference for Claims Managers, Adjusters and Operations Managers in Atlanta, GA


Feb 14, 2013
NAMIC (National Association of Mutual Insurance Companies) is organizing the leading conference for claims managers, adjusters and operations managers in Altanta, Georgia on February 19th-21st 2013. According to the NAMIC website: "This event is one of the industry’s leading idea and information exchanges for claims managers and claims operations managers. With presentations from insurance company experts and leading consultants on way...
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Insurance Education and Leadership Expo in San Antonio


Feb 09, 2013
The Federation of Insurance Women in Texas Inc. is presenting an Insurance Education and Leadership Expo on April 12-13 2013. The goal of this 2 day Expo brings insurance professionals together in one place to learn and exchange ideas about the industry. According to the FIWT website, the organization was founded in 1944 by a group of 275 women across the State of Texas. The organization runs on the following principles: FIRST, to build ...
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Our presence in the Online Insurance Continuing Education world?


Feb 05, 2013
Hey All, We have received countless inquiries on how our system will work, why we have not gone online yet, how long this beta stage will last etc. We are very grateful for all your questions, comments and support. We are working diligently to go live very soon. Our small team of a handful of people is working day and night to take our continuing education platform online. Unfortunately we had a few hiccups which will be resolved very soon. ...
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Most Common Car Insurance Claims: Insurance Education


Jan 29, 2013
On TV, auto insurance claims are all car-jackings, rush-hour pile-ups, impromptu baseball sized hail storms or cows being thrown at your truck by a tornado. In reality, there are five different incidents that make up the majority of auto claims and many of them are triggered by common, everyday events. 1. Windshield Cracks: As you’re driving down the highway, pebbles and debris can come hurling toward your car windshield. Rocks hitting windsh...
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Manage your Insurance Agency / Company reputation


Jan 24, 2013
I choose to discuss this topic today because one of my friends got rear ended a few days ago. He called the other driver's insurance company and filed a claim. Its been a few days and he has yet to hear back from them. He has whiplash, his car it totaled and in the pound, and he has not gotten a rental because he did not have that coverage on his own policy. He emailed me because he knows I work in insurance, complaining that this company is t...
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How the Debt Ceiling, Tax Refunds and Insurance Renewals are connected


Jan 21, 2013
Following up on our earlier discussion about the connection of the delay in the tax filing season and insurance renewal, we would like to revisit this idea. Our premise is simple and its rooted in years of personal experience and experience of other insurance agent colleagues. People overspend and spread their legs beyond their sheets during the holiday season. The idea is that they will cover the gap in their bank accounts with the tax refunds t...
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23rd International Technical Conference on the Enhanced Safety of Vehicles


Jan 19, 2013
The  US Department of Transportation, National Highway Traffic Safety Administration and the Department of Transportation IS presenting the 23rd International Technical Conference on the Enhanced Safety of Vehicles. This conference is organized every couple of years and is a unique platform to bring together key role stakeholders globally to discuss vehicle safety at one platform. According to the NHTSA website, participants include member...
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Five Perks of Having a Business Facebook Page


Jan 18, 2013
Many people have personal Facebook accounts to connect with friends and family, but business owners may wonder why they should create a Facebook Page. Many don’t realize that Facebook gives them access to millions of people on a daily basis in one place and allows them to interact with potential and current customers all for free! A lot of different research shows how much our society values and pays attention to Facebook. Having a persona...
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Help your clients get the right insurance - Research and Educate yourself


Jan 14, 2013
When your client wants to buy auto insurance, you have to balance between their budget restrictions and the risks they face for liability, injury, and property damage. This can sometimes be difficult, but by becoming familiar with average auto insurance claims, you can make the process easy. As an agent, you know that its impossible to predict the future and that's why we sell insurance to guard us against a mishap. By looking at the average c...
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Tax Season will impact Insurance Renewals


Jan 09, 2013
Yes, congress has reconfirmed the tax credits available to most Americans and pretty much everything will be the same as last year. However, Congress came to terms with this deal rather late and this will impact the renewal season for insurance. A lot of people pay their insurance policies in full for the entire 6 months or 1 year policy term. Most of these people wait for their refund check and fulfill this rather hefty obligation of homeowners ...
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Insurance Classroom's entire Insurance CE Team wishes you a Happy New Year


Dec 31, 2012
Please be safe, have fun and hope you all have a fantastic 2013. We will launch early in 2013 and hope to see all of you with us. Insurance Classroom is your top choice for Online Insurance Continuing Education needs. We provide Insurance CE in many states including Texas, California, Georgia and Pennsylvania. We are state authorized and our course writers have over 20 years of combined experience.
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Insurance Continuing Education Classes in Texas


Dec 29, 2012
There are plenty of options for insurance continuing education classes in Texas. Every major city in Texas, be it Dallas, Austin, San Antonio, Houston or El Paso has provider that offer classroom classes. The only trouble is, you have to schedule the classes, rather alter your schedule to their classes. These classes are typically offered once a month or once every 2 months. You may have to set aside 1-3 days, sometimes business days and at other...
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Insurance Continuing Education: Malingering Accusation Defense in Auto Insurance Claims


Dec 26, 2012
Insurance Continuing Education: Malingering Accusation Defense in Auto Insurance Claims Every year in the U.S., there are thousands of individuals who get a physical injury due to a car accident. According to medical experts, this physical injury may lead to mental problems, particularly when the injury decreases the person’s quality of life.  If you have been recently involved in an auto accident, and incurred a physical injury, it’s imp...
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Working with Unhappy Facebook Fans


Dec 21, 2012
Every company needs to know how to handle a bad comment on Facebook. From a simple complaint to offensive insults, here are four ways to deal with unhappy Facebook Fans. 1.    Respond to the complaint Deleting negative comments can backfire quickly. Not everyone is going to have a good review of your product or service and if customers see only positive comments, they may catch on that your company deletes unfavorable posts. It is cru...
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What to expect in 2013? - An Insurance Continuing Education Revolution


Dec 20, 2012
What to expect in 2013? Ok, so maybe not a revolution but a big change. Insurance Classroom will be going live in 2013. Yes that is a promise. We have been working through a lot of changes in our delivery system and our state of the art platform to insure that we can deliver you excellent content in an easy to use way. We have approached insurance continuing education with great sophistication. Our self study programs will be available as d...
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Keeping up with the insurance industry: Online Insurance Continuing Education


Dec 17, 2012
Susan just had to close down her agency. Lack of clients, not a high enough conversion rate and simply not enough revenue generation to stay open and cover all the overhead. Because she singlehandedly managed her shop it was tough for her to go out, research and keep up with the market. The reason she lost a lot of business and had even fewer people coming in was because she lacked the sophistication that new tools have to offer today and she did...
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What is your insurance agency worth today? - Insurance Education


Dec 14, 2012
What is your insurance agency worth today? Simple question. Suppose you want to sell your agency, someone wants to buy in as a partner or simply value it for a loan. What is your agency worth today? How can you put value on an agency? You have a book of business which may be yours or the insurance company's. You have a location which may or may not impact the business. You may have great relationships which may or may not impact your busine...
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Texas Weather, Texas Insurance Continuing Education, Texas Insurance


Dec 11, 2012
Texas Weather, Texas Insurance Continuing Education, Texas Insurance Texas is big and unpredictable, that much, all Texas know. We have had a fairly warm start to the winter season. The DFW metroplex had not seen temperatures below the 50s until last night, when we experienced snow and below freezing temperatures. Lubbock is suffering through single digit temperatures and it doesn't look like the cold front will let up. February of 2010 was...
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Partnerships with Agents and Insurance Companies for Insurance Continuing Education in Texas


Dec 08, 2012
Partnerships with Agents and Insurance Companies for Insurance Continuing Education in Texas As we prepare for our official launch in the Texas Insurance CE market, Insurance Classroom is continuing to look for partners in the form of Insurance Agents, Insurance Companies, both standard and non-standard, Agent Affiliate Groups or Organizations. We plan to provide specialized services for our partners, which is not just limited to excellent cus...
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What does Obamacare mean for your Insurance Agency?


Dec 06, 2012
I have a friend that owns a small Insurance Agency in North Texas and he was a bit baffled with the question. In my books, his operation is a small business, less than 50 employees. Him and I started on a quest to answer the question of how Obamacare will impact his insurance agency. We started like any of y'all would 1. Google What we found is that if you are an insurance agency or any small business under 50 employees, you do not get a...
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Another easy way to succeed: Texas Insurance Continuing Education (CE)


Dec 03, 2012
Why not make your life easy? Why cram to get 30 Insurance Continuing Education Credits in 2 weeks? Why subscribe to 20 different journals and read about the industry for 2 hours a day without any benefit? The best way to succeed in today's tough, challenging and rewarding insurance market it to take insurance continuing education courses with Insurance Classroom. We are licensed to provide Insurance Continuing Education from coast to coa...
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Important Insurance Licensing and Texas Insurance CE Notices from TDI


Dec 01, 2012
All Texas Insurance Agents looking to complete Texas Insurance CE should take note of the following changes made by the Texas Department of Insurance in the last few months. TDI USING PEARSON VUE FOR EXAMINATION SERVICES EFFECTIVE SEPTEMBER 1, 2012: Beginning September 1,Pearson Vue will assume the examination scheduling, examination administration & fingerprinting services for all Agent and Adjuster Licensing exams. You may obtain P...
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Insurance Continuing Education in Texas, Georgia and Pennsylvania


Nov 28, 2012
Insurance Classroom will soon go live in Texas, Georgia and Pennsylvania with its entire online insurance continuing education course selection. We are licensed in each of these states to provide online insurance CE. Our rates will be very competitive and we will have an extensive course selection for all license types. We can also customize plans for your company, institution or agency. You can reach us at support@insuranceclassroom.com In...
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Texas Online Continuing Education Insurance Courses


Nov 21, 2012
Insurance Classroom is an online insurance CE course provider. Our online CE insurance courses are content-rich and abundant with the most current industry information. Valuable for new and experienced insurance agents, customer service reps, insurance agency staff, underwriters and almost all participants in the insurance industry. Insurance Classroom's CE Courses are self-paced and offer the ultimate in convenience for busy insurance agents ...
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Texas Insurance CE: Understanding Online Texas Insurance CE Requirements


Nov 18, 2012
Texas insurance professionals are required to complete 30 hours of insurance continuing education every 2 years, two hours of which must be in professional ethics training.  Texas views online continuing education a bit differently than most other states.  While online (self-study) education is allowed, a Texas licensee is only allowed to obtain half of their required CE hours via this method. On the other hand, taking CE via classroom equival...
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Texas Insurance Continuing Education: Learn more about Hail Storms


Nov 15, 2012
Texas Insurance Continuing Education: Learn more about Hail Storms You may not get credit for Insurance Continuing Education but this symposium is sure to deliver great educational value. War on Hail is a one-day symposium on November 27, 2012, in Irving, Texas, at the Irving Convention Center - focusing on hailstorm patterns, predictions, and mitigation. We'll also discuss: construction engineering technology tools Confirmed s...
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Insurance Continuing Education Pennsylvania - Pennsylvania Insurance Department - Insurance Educatio


Nov 10, 2012
Insurance Classroom is proud to announce that we are now a Pennsylvania Insurance Department Approved Insurance Continuing Education provider. We have now obtained certification to provider quality insurance education with our well written Insurance CE Courses. Insurance classroom will be providing Online Insurance CE, Classroom Equivalent Insurance CE as well as Self-Study Insurance CE in Pennsylvania. In addition to Pennsylvania, we are also...
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Texas Insurance Continuing Education


Nov 07, 2012
Texas insurance continuing education Insurance Classroom has committed to offering the most effective and original insurance continuing education courses to their students. As of right now, Insurance Classroom only has courses available for insurance continuing education in the state of Texas and are a registered provider with the Texas Department of Insurance. We are working hard at getting registered in all other states. All online insurance C...
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TDI Violations: Texas Insurance Continuing Education (CE)


Nov 05, 2012
The Texas Department of Insurance is becoming very strict about Texas Insurance Continuing Education (CE)not being completed by agents filing for license renewals. Texas Insurance CE courses are easily available via many insurance education websites and insurance classroom courses. Texas online insurance CE is the easiest way to complete these courses. You can find the latest TDI violation rulings at https://wwwapps.tdi.state.tx.us/inter/aspr...
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Insurance Agents: The importance of goal setting


Oct 30, 2012
Challenge is the key to growth. Each agent needs to set goals and challenge him/herself. Setting high goals is the only way to grow and grow quickly. If you aren't sure how to set goal, here are some examples given from successful insurance professionals: Talk to 10 prospective clients every day Do payment reminders for all clients not on EFT Catch up on industry news one hour per day Call customers at least 1 month prior to renewal ...
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Insurance Continuing Education (CE) Overview: Motorcycle Insurance


Oct 25, 2012
Insurance Continuing Education (CE) Overview: Motorcycle Insurance Creating an air-tight  motorcycle insurance policy means knowing what kinds of insurance are available and which ones are right for you. There are 10 major areas of coverage, each one handling specific aspects of coverage. The major pieces; collision, comprehensive and Medpay cover the majority of damage claims, but not all of them. Understanding the nature of these other areas ...
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Why Online Insurance Continuing Education (CE) is the right direction


Oct 20, 2012
From basic math classes to Insurance Continuing Education to University Education systems, every industry and every academic institution is moving their education delivery systems online. It is cheaper, faster, more efficient and scalable. Here we will share some examples of online education delivery platforms, just like Insurance Classroom that are working very effectively: Khan Academy - Developed as a tool by the founder to help his young ...
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Importance of Insurance Continuing Education (CE)


Oct 15, 2012
Why is Insurance Continuing Education (CE) important for you? The work place is constantly evolving. Continuing education and constant informal learning  is required for everyone to stay current with the latest developments, skills, and new technologies required for their fields. Today, most professions require continuing education to comply with laws, remain licensed or certified. Continuing education requirements are mandated by State or oth...
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Get leads for your Insurance Agency!


Oct 08, 2012
You won't succeed if you are simply sitting in your office and hoping for the phone to ring. Well, not unless you have already done a few years of grunt work and have a big enough book of business that you can just sit behind a desk, get referrals and cross sell to existing clients. Bottom line is, even if you are big, in order to grow you need to continue getting leads. I can recommend some very easy and simple ways to get leads: 1. Internet ...
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What is Insurance Continuing Education? Wikipedia tells us...


Oct 04, 2012
Insurance Continuing Education are requirements for insurance agents in the United States to maintain their ability to sell different types of insurance products after getting licensed by the state department of insurance (DOI). There is no nationwide accreditation since insurance agents are licensed by individual states. CFP, CPA, and CLU/ChFC (PACE) are an exception since these designations are administered by a national board. I...
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Parts of the Insurance Contract: Declaration Page Online Insurance CE Overview


Sep 27, 2012
The declarations page is the section of your policy that lists your specific information. For example a homeowner’s declaration page lists your name, home address, your policy number, the date your policy becomes effective and expires, your coverage limits and their premiums. Terms you might see in your declarations page:  Amendments - Sometimes there can be certain circumstances in which your policy needs to have some changes made to i...
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Contractor Commercial Insurance: A Brief Insurance CE Overview


Sep 20, 2012
Types of Insurance for Contractors to Consider Contractors can choose where they want to work, but that doesn’t mean they don’t face risk. There are many options for coverage available to contractors to protect themselves from risk. Here’s a look at the five basic types of coverage that every contractor should consider getting: General Liability: If you’re a contractor your liabilities are different from those of a store or shop ...
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Online Education Models: Successful Attributes


Sep 15, 2012
Online Education or Distance Learning has become increasing popular since the second part of the last decade. Students on budgets, not just monetary budgets but those who must budget their time are turning to online education in every field. Students find it much more convenient to look learn at their own convenience and at their own pace. Online universities have thrived for this reason. Hence, traditional schools and universities have also heav...
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Insurance Continuing Education: Vermont Insurance CE Requirements


Sep 10, 2012
Insurance Continuing Education: Vermont Insurance CE Requirements CONTINUING EDUCATION REQUIREMENTS FOR INSURANCE PRODUCERS All producers are required to complete a total of 24 hours of CE each review period after their first renewal or eligibility for renewal. All producers must take three hours of ethics education every review period.  The three hours of ethics can be counted towards the overall 24-hour CE requirement. All property an...
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Why Insurance Agencies Succeed - Learn to be great Insurers and Educators


Sep 07, 2012
Insurance is pretty much a commodity. It is available everywhere. Basic coverage is cheap. You must have it. You should have it. Yet, there are best practices to sell insurance, there are ways that work and other ways that flop. We will share with you some ideas that agents have used in the past to give their agencies an upper-hand. Here are the basic steps to build a strong insurance agency: Selling starts before the client walks into the...
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Insurance Continuing Education: Wyoming Insurance CE Requirements


Sep 05, 2012
Insurance Continuing Education: Wyoming Insurance CE Requirements Continuing Education   Licensees Resident Producers, Resident Adjusters, Non-Resident Adjusters designating Wyoming as their home state, and Resident Consultants must comply with continuing education requirements.   Licensees listed above are required to complete 24 continuing education credit hours during a two year licensing period.  Three of the 24 ...
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Insurance Continuing Education: South Dakota Insurance Licence Renewal and Insurance CE


Sep 03, 2012
Insurance Continuing Education: South Dakota Insurance Licence Renewal and Insurance CE Resident producers will complete Continuing Education (CE)/renew their license by the end of their birth month every two years. The renewal period will open 60 days prior to the end of the birth month. If a resident producer adds a qualification to their existing license, the CE requirements for the new qualification will be waived until after their next re...
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Insurance Continuing Education: North Dakota Insurance Department Resident License Renewal


Sep 01, 2012
Insurance Continuing Education: North Dakota Insurance Department Resident License Renewal Resident insurance producer renewal requirements  Please read this entire page before starting your renewal application. In order to maintain an insurance producer license, every individual insurance producer, regardless of continuing education requirements or exemptions, must biennially by the last day of their birth month: • Complete a renewal...
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Insurance Continuing Education: North Dakota Insurance Department Resident Continuing Education Requ


Aug 30, 2012
Insurance Continuing Education: North Dakota Insurance Department Resident Continuing Education Requirements North Dakota resident insurance producers licensed for life and annuities, accident and health, casualty, property, personal lines and crop hail or any combination of these lines of authority must complete at least 24 credit hours of approved continuing education per biennial compliance period based on your expiration date. Three of...
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Insurance Continuing Education: Texas (TX) State Requirements


Aug 27, 2012
The following table summarizes the continuing education requirements for license holders in Texas: 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 Agent 30 hours, including 2 hours of ethics / consumer protectio...
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Insurance Continuing Education - Georgia (GA) State Requirements


Aug 25, 2012
  CONTINUING EDUCATION LICENSE TYPE REQUIREMENT *All resident licensees with less than 20 years of service 15 hours (3 hours must be in ethics) *All resident licensees with more than 20 years of service 10 hours (3 hours must be in ethics) *Credit Insurance Only 5 hours (5 hours of self study - no ethics) *Limited Subagent Only 5 hours (no ethics requirement) *Workers Compensation...
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Insurance Continuing Education - California State Requirements


Aug 23, 2012
AGENTS & BROKERS: CONTINUING EDUCATION (CE) TRAINING REQUIREMENTS CONTINUING EDUCATION AND TRAINING REQUIREMENTS A.  Life-only agents, accident and health agents, property broker-agents, casualty broker-agents, or personal lines broker-agents: 1. Complete a minimum of 24 continuing education (CE) credit hours for the license type during each two-year license term. Life-only agents, accident and health agents, property or casualty brok...
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Insurance Continuing Education: Homeowners Insurance


Aug 22, 2012
Insurance Continuing Education: Homeowners Insurance What can Homeowners Insurance cover? Dwelling Protection: Covers damage to your home due to fire, lightening, smoke, storm damage or other similar perils. Personal Property: Provides coverage for your household items in the event of a fire, theft or other covered loss. Extended Replacement Cost: Provides additional coverage up to 150% of the dwelling’s policy limits to rebuild you...
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Insurance Continuing Education: Auto Insurance Basics


Aug 20, 2012
We figured our clients looking for Insurance Continuing Education would benefit from this article we found. What is auto insurance? An auto insurance policy is a contract between you and an insurance company. You pay a premium. In exchange, the insurance company promises to pay for specific car-related financial losses, within the selected coverage limits, that you may have during the term of the agreement. Most states require that you car...
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Insurance Continuing Education: What is Underwriting and how does it apply to Car Insurance?


Aug 17, 2012
What is Underwriting and how does it apply to Car Insurance? When applying for a car insurance policy, before the insurance company can issue the policy they must try to anticipate how much risk you will bring to the table if the policy is issued. This helps them to control the claims experience they have, determine whether or not to issue your policy and, if they do issue your policy, decide how much to charge you for it. The process during wh...
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Insurance Continuing Education: Who is defined as a High Risk Driver?


Aug 15, 2012
Who is Defined as High Risk? Insurance Continuing Education is not just about the types of policies and products, its also about how you as an insurance agent uses intuition to identify risk beyong what the underwriting has already defined. When determining who is considered high risk, there’s no single factor. Insurers can easily take into account any of these things to define that: Drivers that have continually driven without insura...
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Insurance Continuing Education: Is there a difference between DUI and DWI?


Aug 13, 2012
High risk auto insurance may be required by individuals who have been determined to be a greater liability for insurance providers than other drivers. What causes their increased risk? Many drivers have been labeled road hazards because of drinking and driving. Depending on your location, there may be two distinc tcharges you face if you make the mistake of climbing behind the wheel after partaking in alcohol. Driving under the influence,...
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Insurance Continuing Education: The Purpose of Crash Sensors


Aug 10, 2012
For many people, high risk auto insurance has become their only choice for coverage thanks to an endless trail of accidents. Even when collisions are not your fault, insurance providers still see you as a liability. To help keep the cost of a wreck low, both injuries and repairs need to be kept at a minimum. A vehicle’s crash sensors are part of the key to doing that.   Crash sensors were created to help determine when the air bags of ...
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How Insurance works...


Aug 06, 2012
An insurance policy is a financial contract between a policyholder and an insurer, which is almost always an insurance company. The insurer agrees to pay in the event that the person or property insured suffers a type of loss named in the policy. For example, an auto liability policy will pay for the damage sustained by another vehicle and any injuries to its occupants in an accident where you are at fault. A renters policy may pay for damage to ...
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Auto Insurance Requirement by State


Aug 02, 2012
Auto Insurance Requirements by State The tables below contain minimum liability requirements for vehicle owners for states within the United States. They are divided into two categories: compulsory and non compulsory. See the table on the right for an explanation of the values. Understanding the tables: XX/XX/XX = Bodily Injury Limit (per individual)/Bodily Injury Limit (total)/Property Damage Limit For example, limits of 25/50/20 means afte...
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A Brief History of Auto Insurance


Jul 29, 2012
A brief history of car insurance With the invention of the automobile in the late 19th century came the inevitable side effect of automobile accidents. As automotive accidents increased in frequency, it became clear that, unlike other torts, which relied on personal responsibility, there was a possibility that automobiles would need to be governed by laws because "[t]here was no way of assuring that even though fault was assessed the victim of...
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Online Insurance Continuing Education is easy, simple and fast!


Jul 26, 2012
Online Insurance Continuing Education is easy, simple and fast! Most Departments of Insurance have allowed Insurance Education and Insurance Continuing Education to be taken online via the web. Here is a bit of information about online education. E-learning includes all forms of electronically supported learning and teaching, and more recently Edtech. The information and communication systems, whether networked learning or not, se...
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Good People dealing with Insurance the right way


Jul 21, 2012
Tough economy, high unemployment, possible high inflation, people find them selves in very tough places. Read what one 8yr old Virginia boy did to help the neighbor and the neighbor's dog http://www.insurancejournal.com/news/east/2012/07/19/256476.htm   Insurance Classroom is a Texas Department of Insurance certified Insurance Continuing Education, Continuing Education and Pre-Licensing Provider. Our Online Insurance CE Course ...
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Understanding the Non-Standard Insurance Market


Jul 09, 2012
Understanding the Non-Standard Insurance Market We have noticed a lot of non-standard insurance agents approaching us for Insurance Continuing Education. One of the things they seem to be very interested in is how to manage their customer base. Someone sent in a special request for an agency management class. We are looking into these options, in the meantime I figured I would give you a bit of my personal insight on Non-standard Insurance mar...
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Texas Insurance Continuing Education - Auto Insurance Education 101


Jul 07, 2012
Texas Insurance Continuing Education - Auto Insurance Education 101 Texas CE Courses for Insurance License Renewal What is Auto Insurance? Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Auto insurance provides property, liability and medical coverag...
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5 Marketing Tips for Insurance Agents on a Budget


Jul 05, 2012
5 Marketing Tips for Insurance Agents on a Budget The biggest challenge I have faced as an agent has been understanding my customer. My initial understanding about the industry was, I must understand the customer, determine what client's need is and then find them the most affordable rate. I was wrong. Your success in this industry and the industry's success as a whole is based on educating the customer about the products and allowing them to ...
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Advance your insurance career with online classes


Jul 03, 2012
Advance your insurance career with online classes Learning is the key to getting ahead, keep your set updated and upgraded at all times. If you let the knowledge gap, generation gap, information void or whatever you want to call it, catch up with you, you have lost the race. You cannot live in the present and rely on the past. Every moment is fleeting and you must plan for the next, not just the next moment but the next 5-10 years. What do you...
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Insurance Journal: agencies are expanding into new niches, take Insurance Continuing Education


Jul 01, 2012
Insurance Journal: agencies are expanding into new niches, take Insurance Continuing Education The economy is tough for the common man, for the stock market and definitely for insurance agents and brokers. When the wallet is a bit tight, first comes money for food, then rent, then a hundred other things and then insurance. Clients tend to only pay the bare minimum insurance. If you are stuck just selling one or two lines of insurance you may n...
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Top producers work harder = Myth, says Property360 Online Magazine


Jun 30, 2012
Top producers work harder = Myth, says Property360 Online Magazine Propertycasualty360.com has debunked the assumption that top producers work harder or work longer hours. Like any business or for that matter any college student, the rule is simple, work smarter (or in the case of college students, work hard, party hard). Insurance Agents that are top producers manage their time well, manage their clients well and perfect their sales approach ...
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TDI allows Insurance Agents to renew license online (with continuing education credits)


Jun 29, 2012
TDI allows Insurance Agents to renew license online (with continuing education credits) On the website (https://txapps.texas.gov/NASApp/tdi/TdiARManager) you can find services provided from the Texas Department of Insurance to renew an Insurance Agent, Adjuster or Agency License online. Additionally you can search for information about Insurance Agents, Adjusters and Agencies that are licensed with the State of Texas. Their data is updated eve...
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TDI mails out courtesy notes for Texas Insurance CE


Jun 21, 2012
TDI mails out courtesy notes for Texas Insurance CE In an effort to ensure that all Insurance Agents and Adjusters stay current on their Texas insurance CE needs, TDI will be sending out postcard notifications, TDI posted on their homepage, “postcard notifications will be mailed out to license holders prior to their deadline to remind each agent that they may have additional Texas CE hours to complete.  Notices will be mailed out to the li...
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Texas Department of Insurance provides Agent/Adjuster Electronic Licensing Services


Jun 20, 2012
Texas Department of Insurance provides Agent/Adjuster Electronic Licensing Services Texas Insurance Agents and Adjusters now have the ease and facility of viewing their current Insurance CE credits, update their email addresses and renew their license online at this link http://www.sircon.com/resource/layout.jsp?page=texasLps&type=texas This service has been started by the Texas Department of Insurance in partnership with Sircon. This s...
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