The following upcoming webcast courses offer L&H CE hours with NO TEST or PROCTOR required.

Trusted Choice Annuity Suitability Course, 4 hrs. L&H
The Trusted Choice Annuity Suitability Course satisfies the four-hour training requirement for agents with life insurance licenses that want to offer annuities.  This course covers the demographic environment confronting retirees; the  appropriate role of annuities in providing retirement income; types and characteristics of annuities; annuity tax considerations; and suitability and regulatory concerns.

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Innovations in Long Term Care Funding with Life Insurance, 3 hrs. L&H
This program reviews the cost, advantages and potential problems concerning the three options for long-term care (personal residence, Assisted Care Living facility or Skilled Nursing Facility) as recent innovations regarding Living Benefits Riders (or policy provisions) allowing certain insurance contracts to provided advances against the death benefit to fund for the Long-Term Care dilemma.

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Understanding and Managing the Two Largest Government Benefits: SS and Medicare, 3 hrs. L&H
The United States government provides various programs to us - two of the largest are Social Security and Medicare. The qualification rules for both are very specific. This three-hour webinar will review the various qualification rules and the complex, and potentially confusing benefits of each program. Additionally, there will be a review of the various insurance products that are available to the Medicare beneficiary that can fill the gaps and a discussion of various products and concepts the Social Security beneficiary can consider so as not to be 100% dependent on that program at retirement time.

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