Format:   Course
Level:   Intermediate
Duration:   2 hours
CPD Points:   2

Life insurance is a way to help protect your family from the financial worries they could face if you were no longer around, such as household bills, child-care costs, university fees and covering mortgage payments.  So what is life insurance? In a nutshell, life insurance is a contract between an insured and an insurer.   It's a promise by the insurer, in exchange for the payment of a premium, to pay out the proceeds of the policy on the agreed date in the event of death, disability and critical illness.  In this course we will look at the principles applicable to life insurance i.e. contractual capacity and insurable interest.  In addition we will learn about cessions, beneficiaries, life industry bodies and mortality tables. 

Format:   Course
Level:   Intermediate
Duration:   1h 30 mins
CPD Points:   1.5

Life insurance is alternatively known as long-term insurance due to the extended period of most of the contracts.  These policies include life, pensions and permanent health insurance.  In this course we will look at term insurance, whole life and universal life insurance.  In addition, we will learn how to identify the policy type that best suits an individual's needs and how to determine the amount of life insurance needed. 

Format:   Course
Level:   Introductory
Duration:   1 hour
CPD Points:   1 

Dread diseases insurance is a class of accident and health policy which will pay benefits in the event of certain named diseases affecting the insured person, such as coronary heart disease, stroke, cancer and others may be included in the cover.  This cover is also called critical illness insurance.  There is a certain amount of "cross-over" between insurance of this type and cover provided for by life underwriters.  The policy provides for a simple benefit payment (or temporary total disablement payments, but no actual medical expenses cover and no capital benefit). 

Format:   Course
Level:   Intermediate
Duration:   1 hour
CPD Points:   1 

In this course you will learn about the key differences between handling a Dread Disease claim and other types of insurance.  In addition, you will learn about the main types of evidence that an assessor needs to request to assess a claim and get an understanding of some of the other factors that affect the validity of claims.

Format:   Course
Level:   Intermediate
Duration:   1 hour
CPD Points:   1 

This course will summarise the key elements of the design of a DD (Dread Disease) product, focusing on the nature of cover provided, the type of events covered, and how the product has developed over time.

Format:   Course
Level:   Introductory
Duration:   1 hour
CPD Points:   1 

Various names have been attached to this type of product including Permanent Health Insurance (PHI) and Disability Income Benefit (DI).   The intention of a income protection policy is to protect the insured against loss of earned income as a result of illness or injury due to sickness or an accident.  The policy is designed to provide a reasonable standard of living while ensuring a financial incentive for the claimant to return to work by not replacing all of an individual's income.  The benefit value is frequently stated as a percentage of earnings, but it can be a flat rate of benefit that is chosen when the policy is taken out.  This course is designed to explain the purpose and features of income protection insurance plans.

Format:   Course
Level:   Intermediate
Duration:   1 hour
CPD Points:   1

This course is designed to address initial evidence gathering and considerations for assessors handling Income Protection claims.  We will look at the methods of gathering information, the key components to evaluate claims, managing expectations, the deferred period and tools for assessing claims.

PRE-REGISTER: COMING DECEMBER 2019

Format:   Course
Level:   Advanced
Duration:   1 hour
CPD Points:   1

The premium of a life insurance policy is determined by an actuary.  There are a number of factors that need to be taken into account in the determination of a premium.  The three dominant factors are interest, expenses and mortality.  When we talk about mortality we are referring to a person's death or chances of dying.  Morbidity is about a person's chances of being disabled.  In the same way that the actuaries that work for or with life insurance companies have mortality tables that they can use to tell them what the chances are that a person of a certain age will die during the year, they also have morbidity tables that will tell them what that same person's chances are of being disabled. These tables are used to work out the premiums to charge.

PRE-REGISTER: COMING DECEMBER 2019

Format:   Course
Level:   Introductory
Duration:   1 hour
CPD Points:   1

A funeral plan provides affordable cover for the payment of funeral costs, either individually or through membership of a group that is formed for this purpose.  It can be a valuable addition to the assured's life insurance portfolio, because it assists the family within 48 hours of the claim.