We have over 71 courses approved for instruction in PA
for insurance producers including Continuing Education
and pre-licensing instruction for property/casualty and
life/accident/health. In addition, a PHILLIPS ASSOCIATES
course, SPARKS, is approved for CE credits in Maryland
and Delaware as are a number of courses developed for
the Independent Insurance Agents of Maryland (IIAM).
ACA COMPLIANCE NUTS & BOLTS (#124165) Two Hours
This course focuses on employer reporting requirements under the Affordable Care Act
ACA IMPLEMENTATION HIGHLIGHTS (#121916) One Hour
ACA rules seem to be always changing with new guidance on wellness/EEOC, changes in reporting deadlines, etc.
This course gives one an up to date rundown on current regulatory rule changes.
AFFORDABLE CARE ACT COMPLIANCE (#119221) Two Hours
This class spends more time discussing the ACA individual and employer mandates, what constitutes a 'large'
employer, and what penalties might be imposed for non-compliance.
BASIC ANNUITIES (#108263)
Life and annuity sales are vital to the success of many multi-lines insurance
agencies. Many traditionally P/C agencies are unfamiliar with the basics of the
annuity product itself. This course will walk them through the annuities and
will address compliance rules (advertising, illustrations, and insurance
salesperson versus financial planner). A working understanding of annuities also
helps agencies meet the needs of an aging (and affluent) population.
COMMERCIAL GENERAL LIABILITY INSURANCE (#122063) Four Hours
A mainstay of commercial P/C insurance but how does a CGL policy work?
COMMERCIAL INSURANCE FLASHPOINTS (#108819) Three Hours, (#111629) Four Hours and (#123760) Five Hours
Commercial Insurance producers are confronted by many issues in understanding
market dynamics in a volatile property casualty market. Some of these flash
points center on Workers Compensation, Contractors’ Insurance and the use of
Certificates of Insurance. Certificates of Insurance misuse also become an E&O
concern. In addition to these tactical Commercial Insurance areas, there is also
the backdrop of important Federal legislation that could dramatically alter the
COMMUNICATING TO THE CUSTOMER’S STYLE (# 105303) One
Who are your clients and how may you best appreciate their needs? That question
is at the heart of many insurance relationships. This course presents an
organizational development model to assist producers in determining how to
relate to clients. Although this is not a sales course, it describes personality
types. Knowing these types will give a context as to how communication might
best be achieved.
CONSTRUCTION & VALUATION (#124160) Two Hours
Emphasis is on the farm when it comes to construction and valuation.
CONTRACTORS’ INSURANCE (#106485) Four Hours
This course provides insurance producers with an overview of contractors’
insurance. It presents information on types of insurance appropriate for
contractors and subcontractors as well as optional coverage necessary to a
particular risk. In addition, it examines areas of contractors’ insurance that
are sometimes overlooked.
Crop Insurance Update (#108457) One Hour
This non-classroom course is designed to update insurance producers as to
current programs and updates to Crop Insurance. Crop Insurance is a program
designed by the U.S. Department of Agriculture and (with the newer AGR and
AGR-Lite products) the Commonwealth’s Department of Agriculture. The course
presents updates as to program types and evolution of the product. Insurance
producers not specializing in this product need to have a basic understanding in
order to assist their agricultural clients as to the product’s uses and
limitations as well as protecting themselves from professional liability
ANNUAL PENNSYLVANIA CROP INSURANCE CONFERENCE 6-7 Hours
This course is designed to assist insurance producers with agricultural clients
better understand Crop Insurance. Attendees will gain insight into utilization
of the product itself as well as discussing new developments. It is the Annual
Conference put on by the PA Agriculture Department, Cooperative Extension
Service and others.
CURRENT LEGISLATIVE & REGULATORY ISSUES (# 103186) Four
Insurance producers face a multitude of public policy issues. This course is
designed to update producers on contemporary developments in the legislative and
CURRENT LEGISLATIVE & REGULATORY INSURANCE ISSUES (#123762) Five Hours
This is a more in-depth version of the four-credit Current Legislative & Regulatory Issues (#103186).
CYBER SECURITY (#110082) Four Hours)
This is an emerging market due to the ever-increasing threats to employer data. What are potential threats and what
insurance would respond to a privacy breach is the focus of this class.
DIRECTORS & OFFICERS (#105924) Four Hours
Directors and Officers Insurance remains a hardy professional liability
perennial. Almost every insurance producer has business clients with possible
D&O exposure. Thanks to Federal changes, non-profits are also presented with
DISABILITY INSURANCE INCOME (#122061) Two Hours
DI is a lesser known branch of health insurance but increasingly vital for employees and
individuals seeking a reliable income stream in case of medical calamity.
DISASTER MITIGATION OVERVIEW (#105926) One Hour
This class covers a lot of ground for the insurance producer who looks at his/her role as a risk management
advisor as much as a person selling insurance. The tie-in is that anticipating and addressing areas of potential
loss is an integral part of the insurance transaction.
E&O Analysis (#112930) Three Hours
In addition to going over E&O fundamentals (document, document, document!), it
also walks insurance producers what is contained within an insurance agent's
liability insurance contract.
E&O Assessment (#106483) One Hour
Errors & Omissions is as much a mind set as it is a set of policies and
procedures. This course will walk the insurance producer through the transaction
asking where E&O pitfalls might occur and what remedies might be appropriate.
The outcome will provide an insurance producer with tools necessary to conduct
his or her own assessment.
E&O IN-DEPTH (#104104) Four Hours
This course walks one through the insurance transaction from start to finish in
order to identify areas of vulnerability where insurance agents and agencies can
make simple mistakes causing big potential problems. This class is highly interactive.
NOTE: E&O In-Depth.1 (#120007) for Five Hours) includes the above but also looks at
Surplus Lines pitfalls and carrier solvency as possible E&O pitfalls.
E&O IN-DEPTH (#120007) Five Hours
Errors and Omissions training is a necessity for insurance producers because of
the vulnerability faced in the profession. This liability is fueled by consumer
expectations and by their functional insurance literacy that prevents them from
grasping basic elements of risk management. This course walks producers through
the stages of the insurance transaction emphasizing procedures as well as
cultivating a mindset among principals and CSRs alike to think E&O.
ENDORSEMENTS & EXCLUSIONS (#105925) Four Hours
Endorsements & Exclusions are in everyone’s toolbox but the types and uses of
E&E are not always appreciated in standardized insurance packages. This course
will remind insurance producers as to the variety and structure of numbers of
endorsements (add-ons) and exclusions on the property/casualty side. Included
will be discussion on problematic areas such as mold exclusion and other tort
issues as well as risking E&O by not recommending particular endorsements and
EQUIPMENT BREAKDOWN COVERAGE (#124159) One Hour
Given increasing technology, Equipment Breakdown Insurance is assuming an ever more important
role as is the potential for an E&O claim if the risk is found to have insufficient coverage.
ETHICS (#120008) Three Hours (#106662) Four Hours
Ethics is the cornerstone of consumer expectations when they utilize an
insurance producer. This stems in part because of trust and that they may be
functionally illiterate as to how insurance and risk management work. This
course is a thoughtful conversation about marketing in today’s market climate
presenting ethical situations for discussion. It ties ethics into mandated
(regulated) trade practices and reviews the provisions of the Unfair Insurance
Practices Act, the Producer Licensing Law, and other legislative and regulatory
rules for insurance producers. Errors and Omissions training is an important
aspect of this course. This course walks producers through the stages of the
insurance transaction emphasizing procedures as well as cultivating a mindset
among principals and CSRs alike to think Ethics and E&O.
Ethics 101 (# 105923) One Hour
Understanding an ethical sense of the insurance marketplace has become obscure
in today’s hard market climate, where competitive pressures sometimes force
insurance producers into making the wrong decisions. This course reminds
producers of various statutes that prohibit certain types of marketing behavior
and walks them through a number of situations where they must determine the
ethical (and legal) course to follow.
ETHICS AND THE PRODUCER COMP ISSUE(#108266) Two Hours
This course is designed to highlight ethical issues in the insurance marketplace
with particular emphasis on the producer compensation disclosure issue raised at
the national level by New York Attorney General Spitzer, NAIC and NCOIL.
Although this course may be given in lecture format with one presenter, it also
utilizes a panel format. Perspectives include company, regulator, and producer
points of view. The focus will be on national and Pennsylvania regulatory
implications of allegations of bid-rigging, contingent commissions, and the
general area of compensation disclosure as they relate to the ethical issues
EXCHANGE 102 (#120009), EXCHANGES 201 (#120501) and EXCHANGES 301 (#120833 - ALL FOR Two Hours
These courses focus on the heartbeat cornerstone of the Affordable Care Act, the Federally-Facilitated Marketplaces, or Exchanges
moving from more basic to more detailed technical presentations.
FEDERAL INSURANCE ISSUES (# 105018) One Hour
Despite the guarantee by the 1940s-Era McCarren Ferguson Act that reserved
insurance regulation as the states’ responsibility, there has been a shift
towards more and more Federal involvement in insurance oversight. The purpose of
this course is to list some of the more prominent areas of insurance where the
Federal government has become more of an overseer than traditionally has been
FEDERAL INSURANCE LEGISLATION (#115413) Two Credits
The greatest consequence of the passage of the Patient Protection and Affordable
Care Act (PPACA) may be a huge shift to a federally regulated health insurance
system instead of state. Despite Federals taking center stage, there are also a
myriad of state insurance issues to be addressed, both free-standing and dealing
with the implementation of the new Federal law. This course will also help
insurance agents understand PPACA’s provisions and will concentrate on its
implementation impact to Pennsylvania employers and insurance producers.
FINANCIAL PLANNING PUBLIC POLICY ISSUES (#104545) One
Financial Planners face a number of state regulatory issues. Many of those who
do financial planning through life insurance and annuities place themselves at
risk of being non-compliant with Act 154 (Life Insurance Sales and Marketing
Law). The matter of annuity suitability is again an interest area of the NAIC.
Use of “seminars” has also received scrutiny. Federal tax issues are also with
us regardless of who controls the legislative or executive branches of
FLOOD INSURANCE (#112929) Three Hours.
This course is designed to familiarize insurance producers with essentials re
Flood Insurance and the NFIP program. It is compliant with the NFIP recommended
outline for class content.
Flood Insurance Reform Law Highlights (#119220) One Hour
Congress giveth and Congress taketh away is a maxim that desribes the recent history of the National Flood Insurance Program (NFIP).
Major changes stemmed from passage of the Biggert-Waters Act yet many of these changes were themselves changed shortly thereafter.
This class will update insurance producers on NFIP after the latest legislation and discuss implementation as well as identifying
possible resources for those selling Flood Insurance.
FLOOD INSURANCE REFORM LAW (#119219) Two Hours
This course goes through Flood Insurance reforms in the Biggert-Waters Act and updates some of the
reversals made in 2014 by the U.S. Congress.
Future of Group Health Market (#107434) One Hour
Almost 60 percent of Pennsylvanians receive health insurance coverage versus
five percent who have individual health policies. This class looks at pressures
on the dominant group model, both from cost pressures and from the government
because of what is perceived by some as contributing to ‘crowd out’ where a
public sector program replaces the private sector insurance plan. Addressed will
be a new market direction, Consumer-Directed Health plans, that utilize high
deductible employer plans and emphasize rational consumer purchasing of health
GREEN INSURANCE (#122062) Four Hours
New building construction materials, practices and technologies bring about better use
of resources and energy savings but what are the insurance consequences stemming from
new delays in obtaining materials and skilled green-trained builders? What happens
to replacement cost when the standards are higher and will Law & Ordinance coverage appropriately respond?
HIPAA HEALTH PRIVACY RULE (#104773) One Hour
HIPAA training needs to take place annually so that insurance producers can be aware
of their HIPAA responsibilities as Business Associates. In addition, the new HITECH
requirements will be discussed since they expand Business Associate liability.
HEALTH INSURANCE PUBLIC POLICY ISSUES (#103190) Four
Massive changes are in the works for health insurance. Employers, insurers,
insurance agents, and consumers all have a stake in knowing what changes may
occur and what it will mean to their practice, their business, their status as
an insurance user. A big question is whether federal legislation is a
comprehensive reform or a government takeover of a huge part of the U.S.
economy. This class will tell you what reform is and what it means.
HEALTH SAVINGS ACCOUNTS (#107001) Four Hours
Health Savings Accounts (HSAs) were enacted by the 2003 passage of a major
Federal Medicare Reform law. As a newer health insurance product, HSAs embody
the positive aspects of flexible spending accounts and medical IRAs, or Medical
Savings Accounts. This course will highlight how the product works. In addition,
Recent legislative changes and Treasury Department guidance will be discussed as
well as market penetration and relevant state law.
Insurance Compliance Issues (# 106893) Four Hours
What are some of the current areas receiving scrutiny by Insurance Department
regulators and enforcement officials that affect how insurance is being
distributed in the field? This course focuses on compliance with insurance laws
and regulations and highlights areas of particular interest based on enforcement
cases and valued input from Department officials. Class discussion will dictate
the amount of time spent on any particular topic
INSURANCE E&O AND ETHICS (#103192) Two Hours
This course attempts to demonstrate the connection between Ethics and Errors &
Omissions by demonstrating the changing public expectations on insurance
producers and how that challenges producers even more than ever before. The
class also points to common gaps in agency and staff thinking about their own
E&O exposure. Discussion will include the latest public policy thinking
regarding complete disclosure of insurance producer compensation brought about
by New York Attorney General Elliott Spitzer against large-scale brokers and
INSURANCE FRAUD (#122602) One Hour
Insurance Fraud is Big Business in the United States, amounting to a
multi-billion dollar drain on the insurance industry and insurance
policyholders. This course will emphasize the importance of understanding how
insurance fraud occurs and how the industry and law enforcement are trying to
INSURANCE IMPLICATIONS of MARCELLUS SHALE (#118646 FOR Two Hours and #121497 for Five Hours)
Although new Marcellus Shale drilling and exploration have slowed because of cheaper traditional energy prices and
insufficient pipeline infrastructure, there is still an abundance of insurance-related issues. These range from
disclosure to insurers as to Marcellus activity as well as environmental liability to the property owner if not
listed as an additional insured under the energy company's policy etc.
INSURANCE PRIVACY ASSESSMENT (#109502) One Hour
A privacy assessment walks the insurance producer through the process of
devising their own internal privacy and information security concerns.
INSURANCE PRIVACY COMPLIANCE (#103191) Four Hours and (#108154) Three Hours
On March 1,2005, the third Privacy Rule took effect in PA, giving enforcement
teeth to the compliance and penalty sides of financial privacy and HIPAA for
those agencies without a written internal privacy protection plan that even
extends to guaranteeing that third parties such as IT and storage systems also
have privacy policies. This course will also detail the Insurance Department’s
study of insurance agencies re their privacy non-compliance and the results are
alarming! This course might be important for your Privacy Compliance Officer to
attend. You mean you don't have one? Oh-oh!
INSURANCE PRODUCER PUBLIC POLICY ISSUES (#103189) Four
Insurance is regulated but where does this oversight come from? This course
educates as to the legislative and regulatory environments affecting the
insurance industry and discusses a myriad of laws and proposals that impact on
all segments of the industry. Although examples will illustrate P/C as well as
L/A/H, the discussion will be directed by class participation and interest. This
class contains relevant information regarding all major lines of insurance.
INSURERS OF LAST RESORT (#123764) Two Hours
This course will familiarize insurance producers on insurers of last resort,
those insurance options when there is no other option in the standard market.
Discussion will depend on region and class interest but possible areas of focus
are Crop Insurance, Mine Subsidence Insurance, Flood Insurance, as well as SWIF,
JUA, and Assigned Risk.
Legal Traumas & Protecting Yourself. (#104933) Four
No one is immune from litigation because of the nature of today’s litigious
society. Insurance producers are especially vulnerable because of the trust the
public places in them and because of consumers’ functional lack of insurance
understanding. This course combines a run down of major insurance laws spelling
out legal responsibilities and infuses them with practical suggestions to
consider in trying to shield from accusations of professional negligence.
Legal Pitfalls in Doing Good Deeds (#104544) Four Hours
Legal Pitfalls is a Mock Trial focusing on an insurance producer E&O scenario.
It is highly participatory so that the students will have a sense as to who the
players are in an E&O legal case and what their positions would be. Stressed is
the importance of documentation in order to avoid a professional liability
Life Insurance Refresher (#108264) Four Hours
This class is designed to be particularly useful to insurance producers who are
predominantly P/C but must practice in a multi-line environment. It presents
information on concepts within life insurance, types of life/annuity products
and addresses compliance rules. This course would also help prepare a current
producer who needs to add the life and annuities line of authority to their
LONG TERM CARE INSURANCE OVERVIEW (#103725) One Hour
Concise forum of four credit Long-Term Care Insurance course (#103188)
LONG-TERM CARE INSURANCE PUBLIC POLICY ISSUES (#103188)
Pennsylvania is the second oldest state in the Nation. This means that older
aged care has become a political and social issue. The long-term care insurance
market has grown but so has criticism. The course explains core policy elements,
consumer safeguards on the sale of LTC insurance, and reviews compliance
requirements. It also charts the growth in this market and describes the newest
incarnation of LTC insurance, Long-Term Care Partnerships that permit people to
access Medicaid but shelter assets so as to purchase a private sector policy.
LTC OVERVIEW/LTC PARTNERSHIPS (#112499) Four Hour (#123761) Eight Hour
An abbreviated summary of course #112498 emphasizing the LTC Partnerships.
MEDICARE SUPPLEMENT INSURANCE (#108265) Two Hours
Medicare and Medicare Supplement Insurance are complex and not well understood
by insurance producers. This information is especially important given the aging
of PA’s population and national attention focused on Medicare reform. This
course focuses on understanding the Medicare Supplement product as well as
providing background on the Medicare program itself. Expect a great deal of
conversation on the new Part D prescription drug benefit.
PRE-LICENSING INSTRUCTION 24 Hours
Available in both L/A/H (# 105137) and P/C (#105135) concentrations, the 24-hour
course is taught in a classroom setting although it may be spread out over 2-3
weeks instead of taking up most of the week. Internet Pre-Licensing is also
available although we maintain that classroom instruction prepares one better to
take the exam.
PROFESSIONAL LIABILITY (#114241) Four Hours
Professional Liability is a fact of life in today’s society. This course
presents information on a key number of particular professions and the legal
risks faced by each. Although concentrating on Employment Practices Liability
and Directors and Officers liability Insurance (D&O), the course also addresses
how a number of other products are structured. It also addresses the use of
“packaging” professional liability to have reinforcing coverage for a more
comprehensive approach and an alternative to simple Contingent Business Income
PROPERTY CASUALTY HOT BUTTONS (#105777) Two Hours
(Official name P/C Policy Issues)
This course is designed to bring producers up to speed on a number of
contemporary issues affecting the property casualty side of the industry.
Emphasis is on public policy and the legislative/regulatory environment. In
addition to stated topics such as insurance (credit) scoring, cancellation law,
Worker's Compensation proposals dealing with subcontractors, discussion will
dictate much of the emphasis placed on topics within the course.
PROPERTY CASUALTY REFRESHER (#117781) Four Hours
This focuses on Personal Lines.
PROPERTY CASUALTY REFRESHER (#114889) Eight Hours
This focuses on both Personal Lines and Commercial Insurance.
PROPERTY CASUALTY TOPICS (#116452) Three Hours
This course is a fast-paced presentation on a number of current topics. These range from passage of new Federal
laws on terrorism and national producer licensing in late 2014. It also discusses the makeup of the 2015-16
General Assembly and presents pieces of legislation, some enacted and some pending, that has direct impact on the
insurance industry. In addition, there are what are called "hardy perennials", topics such as insurance fraud and
disaster mitigation that producers need to be updated upon.
Property Casualty Topics II (PL) - (#119224) Four Hours
This class focuses on the Personal Lines regarding market changes and how the insurance industry
is attempting to respond.
P/C POLICY CANCELLATIONS AND TERMINATIONS (#105019) One
The class serves as a refresher for Property/Casualty insurance producers in
three areas of cancellation or non-renewal of P/C policies in homeowners,
personal auto, and commercial.
RISK MANAGEMENT CONCEPTS & BACKSTOPS (#119218) Four Hours
In addition to risk management, this class also delves into the reinsurance market and overall industry
capacity to withstand major catastrophic losses.
Tort Reform (#108818) Two Hours
The Insurance Industry is heavily involved in legal situations because of the
nature of insurance, joint and several liability, class action lawsuits, and the
general litigious nature of our society. This course explains a number of
leading tort issues such as asbestos, Katrina claims, and mold and presents
information on the extent to which lawsuits have had a contributing effect to
TORT REFORM ISSUES (#109503) Four Hours
This course is designed to familiarize insurance producers with a number of
insurance issues relating to litigation or the threat of litigation as they
relate to insurance cost. Understanding the dynamics of Tort Issues will further
the producer’s understanding of the larger forces shaping the industry today.
Some of the covered areas will include efforts at Medical Malpractice reform,
Joint and Several Liability legal doctrine, and Asbestos Liability.
UNDERSTANDING HEALTH SAVINGS ACCOUNTS (#
105922) One Hour
Health Savings Accounts (HSAs) were enacted by the 2003 passage of a major
Federal Medicare Reform law. As a new health insurance product, HSAs embody the
positive aspects of flexible spending accounts and medical IRAs, or Medical
Savings Accounts. This course will highlight similarities and differences and
describe how the new product works.
UNDERSTANDING AGENCY TERMINATION LAW (#105921) One Hour
Property Casualty insurance agencies are sometimes faced with an insurance
company’s decision to terminate the Agency Appointment. This course reviews
provisions of the law as to case law, “reasonable rehabilitation” and other
responsibilities of both insurers and agencies.
UNDERSTANDING THE MEDICAL MALPRACTICE CRISIS (#104546)
This course explains the evolution of Medical Malpractice as a public policy
issue and details the struggle between doctors who maintain that a physician
shortage is the result of the need for tort reform and trial lawyers who
maintain that the “crisis” is overstated. Recent laws and doctor subsidies will
also be discussed.
UNDERSTANDING THE PRODUCER LICENSING LAW
No CE credits/Written document
This is the Teacher’s script used by instructors in explaining the licensing Law
to insurance producers.
Understanding the Surplus Lines (#123759) One Hour
Surplus Lines is a little understood but essential part of P/C insurance since this is the private
sector market of risks that the standard market will not accept. Given the growth of the private Flood
Insurance Surplus Lines product as an alternative to NFIP, more insurance producers will want to take note.
Understanding the Insurance Department (#104103) One Hour
What's new at the PA Insurance Department? Everyone knows it is there but do not know how to access its' many
resources both for consumers and industry people. This course also provides information as to the Department's current prioritiese.
Whether, Hail, Wind, Water or Waste: A Disaster Class (#118429) Six Hours
Some students summarized the class by saying it was misnamed, that it should be called "This Class Is A Disaster!".
It is a frolicking trip through disaster preparation and anticipating ways to lessen recovery time. It is highly interactive.
WORKERS COMPENSATION HIGHLIGHTS (#123763) One Hour
WC Highlights looks at trends in Workers Compensation and workplace safety as well as looking
at the State workers insurance Fund (SWIF).
WORKERS COMPENSATION IN A HARD MARKET (#105163) Four
Hours (Also known as WC in Today’s Market)
Worker’s Compensation, as is most all of the insurance industry, being affected
by the current hard market. After the low premium days of the late 1990s through
2000, the market is dominated by stricter underwriting, tighter adherence to
traditional risk management, and fewer incentives, discounts (the 5% safety
committee discount notwithstanding). This course is designed to present
insurance producers with enhanced product knowledge so that they will be better
able to adapt to the needs of their business clients.