Industry Advantage Learning Paths

• The Purpose of Annuities 
• Introduction to Annuities
• Intro to Fixed Annuities 
• Intro to Variable Annuities 
• Immediate and Deferred Annuities
• Annuity Payout Options 
• The Life Insurance Ecosystem 
• How Are Individual Annuities Sold? 
• Choose the Annuity: Case Studies 

• Annuity Contract Free-Look Provisions 
• Annuity Premium Payments
• Annuity Disbursements for Withdrawals
• Determining Annuity Payouts for SPIAs 
• Indexed Crediting Rates in Fixed Indexed Annuities (FIAs) 
• Processing Annuity Cash Surrenders 
• Administering Annuity Death Benefits

• Intro to Fixed Annuities 
• Intro to Variable Annuities 
• Immediate and Deferred Annuities 
• Single-Premium Immediate Annuities (SPIAs) 
• Qualified and Nonqualified Annuities 
• Indexed Crediting Rates in Fixed Indexed Annuities (FIAs) 
• How Insurers Make Money on Fixed Annuities 
• How Insurers Make Money on Variable Annuities 

• The Purpose of Life Insurance
• Insurance Terminology
• Insurable Risk
• Risk Management Basics
• The Life Insurance Ecosystem
• Policy Reserves
• The Basics of Term and Permanent Life Insurance
• Individual Life Insurance Beneficiaries
• Participating Insurance Policies and Policy Dividends
• Life Insurance Case Studies

• Term Life Insurance
• Whole Life Insurance
• Universal Life Insurance Products
• Indexed Universal Life Essentials
• Participating Insurance Policies and Policy Dividends
• Accelerated Death Benefits
• Accidental Death Benefits
• Insurability Riders
• Insurance Expansion Riders
• Supplemental Disability Benefits
• Life Insurance Case Studies

• Overview of the New Business Process
• Field Underwriting and Submitting an Application
• New Business Activities: From Application to Policy Issue
• Handling Nonstandard Risks and Misrepresentations During Underwriting
• Types of Risk Factors in Life Insurance Underwriting
• Risk Classes and Premiums
• Sources of Medical Underwriting Information
• Assessing Medical Impairments, Age, Sex, and Build in Underwriting
• Assessing Personal Risk Factors in Life Insurance Underwriting
• Risks Deterred by Financial Underwriting
• Sources of Information for Financial Underwriting
• Financial Underwriting: Assessing the Amount of Coverage

• The Importance of Effective Claim Administration
• Unfair Claim Practices
• Introduction to Fraud Prevention in the Claims Process
• Life Claims: Verifying Coverage Was in Force
• Life Claims: Verifying the Deceased Is Covered
• Life Claims: Proof of Death Required in the United States
• Life Claims Involving Contestability and Exclusions
• Life Claims: Paying Policy Proceeds
• Life Claims: Determining the Proper Payee

• Policy Provisions Overview
• Policy Provisions Unique to Cash Value Policies
• Policy Provisions Relating to Premium Payments
• Incontestability and Misstatement of Age and Sex Provisions
• Change of Ownership Provisions
• The Suicide Exclusion and Other Policy Exclusions

• Reinsurance Basics
• Assumption and Indemnity Reinsurance
• Reinsurance Benefits and Costs
• Automatic and Facultative Reinsurance

• Profits and Profitability
• Investment Revenue and Insurer Profitability
• Expense Management and Insurer Profitability
• Designing Insurance Products for Profitability

• Navigating the Benefits Industry Ecosystem
• The History of Employee Benefits in the United States
• Legally Mandated Employee Benefits
• Overview of Core Employee Benefits
• Overview of Non-Core Employee Benefits
• What Makes an Effective Financial Wellness Program?
• Who Regulates Retirement Plans?

• Group Insurance Basics
• Group Life Insurance Contracts
• Forms of Group Life Insurance Plans
• Group Life Insurance Benefit Schedules and Settlement Options
• Group Life Insurance Plan Administration
• Group Life Insurance Termination and Conversion
• State Jurisdiction Over Group Life Insurance Contracts

• Group Underwriting: Assessing Risk Factors
• Group Underwriting: Eligibility Requirements
• Sources of Group Underwriting Information
• Underwriting Group Life Coverage
• Group Premium Rating Methods and Premium Refunds
• Late Enrollees and Renewal Underwriting for Group Life Insurance

• ERISA and Retirement Plans
• Overview of Defined Benefit and Defined Contribution Plans
• Defined Benefit (DB) Pension Plans
• 401(k) Plans: Eligibility, Contributions, and Vesting
• 401(k) Hardship Withdrawals, Loans, and Other Distributions
• 401(k) Plan Contributions and Taxation
• 403(b) Retirement Plans
• Small Business and Self-Employed Retirement Plans
• 457(b) Retirement Plans

• AI Basics: An Introduction to Artificial Intelligence for Life Insurance Professionals
• Artificial Intelligence: Past, Present, and Future
• Artificial Intelligence (AI) and Generative AI in the Insurance Industry
• Confronting the Ethical Challenges of Artificial Intelligence
• Artificial Intelligence Governance for Fair and Safe Use

• Creating a Financial Plan
• Creating a Budget and Managing Debt
• Investing Basics
• Using Insurance to Manage Risks