This course is specifically tailored for non-insurance professionals, and has been newly revised with an increased emphasis on techniques that can be used for personal and business clients. Financial planners, tax advisors, and estate planners have all found this course to be invaluable in their practices because it provides the insights, understanding and tools to guide clients as they seek to manage risk and properly plan insurance coverage.

This course provides expert guidance on all key personal and business-related policies, including life, health, disability, social insurance, commercial property insurance, workers compensation, business umbrella, directors and officers liability, cyber liability, and much more. Each module breaks down complex insurance information so that non-insurance professionals can understand the intricacies of the coverage offered by each product line, allowing planners to insure that their clients have the right type and amount of insurance for their risk profiles

This course delivers:

- Thirty-two newly updated modules divided into five sections on the principles of risk and insurance; insurance company operations; personal and commercial insurance lines; life and health insurance planning needs; and commercial property & liability
- A new module on cyber insurance provides information on the most common types of cyber threats faced by businesses today, as well as coverage information about cyber insurance policies to help businesses decide which potential risks can be insured against
- A new module on commercial flood insurance details the options for how businesses can obtain flood coverage on the private market to protect against ever-more-common flood risks
- Newly updated materials on the National Flood Insurance Program (NFIP) for homeowners
- Updated content on personal and business auto policies, including coverage for ride-sharing activities
- Updated coverage information for managing healthcare cost risks for individuals and businesses, including ACA mandates, disability, and long-term care policies

Additionally, the risk management techniques in this course are integrated with up-to-date tax and government insurance information so that planners can incorporate that information into their clients’ insurance planning activities to avoid duplicate coverage and take advantage of potential tax savings that are available to individuals and businesses.

Specific course topics include the following:

Part I: Principles of Risk and Insurance

Chapter 1 General 'Principles of Risk and Insurance 1
Chapter 2 Insurers. and Their Markets 9
Chapter 3 Assessing Risk Exposures 17
Chapter 4 Determining Insurance Needs 31

Part II: Insurance Industry Operations

Chapter 5 Insurance Company Operations 41
Chapter 6 Selecting Insurers and 45
Chapter 7 Regulation of Insurance 57
Chapter 8 The Certificate of Insurance 61
Chapter 9 Claims Management 67

Part III: Personal Lines

Chapter 10 Overview of Liability and Personal Lines
Chapter 11 Personal Automobile and Recreational Vehicle Insurance 91
Chapter 12 Homeowners Insurance 97
Chapter 13 Other Types of Property and Liability 'Insurance 117

Part IV: Life, Health, Disability, Long-Term Care, and Social Insurance Programs

Chapter 14 Introduction to Life Insurance PMCLLICIN 133
Chapter 15 Estimating Personal and Business Life Insurance Needs 151
Chapter 16 Taxation of Life Insurance 175
Chapter 17 Individual Disability Income Insurance 197
Chapter 18 Annuities 209
Chapter 19 Health Insurance and Health Cost Management 219
Chapter 20 Healthcare Reform 231
Chapter 21 Long-Term Care Insurance 235
Chapter 22 Social Insurance Programs 251

Part V: Commercial Property and Liability

Chapter 23 Commercial Property Insurance 267
Chapter 24 Business Automobile Insurance 287
Chapter 25 Commercial General liability Insurance 295
Chapter 26 Surety Bonds and Crime Insurance Surety Bonds 313
Chapter 27 The Workers Compensation System 323
Chapter 28 Employment Practice Liability Insurance 353
Chapter 29 Professional Liability / Errors & Omissions Insurance 361
Chapter 30 Directors and Officers Liability Insurance 365
Chapter 32 Other Business Insurance policies 393