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CE Life Health Insurance

The course equips licensed life and health insurance producers with detailed knowledge of term, whole, and universal life policies, annuity options, and group health plans, enabling them to compare features, explain coverage, and recommend suitable solutions.

Who Should Take This

It is designed for licensed insurance agents and brokers who have completed basic licensing and are seeking to deepen their product expertise. These professionals need to stay current on policy nuances to confidently advise clients, meet continuing‑education requirements, and enhance their sales performance.

What's Included in AccelaStudy® AI

Adaptive Knowledge Graph

Practice Questions

Lesson Modules

Console Simulator Labs

Exam Tips & Strategy

20 Activity Formats

Course Outline

62 learning goals

1 Term Life Insurance

1 topic

Term product types and features

Identify the types of term life insurance including level term, decreasing term, annual renewable term, and return of premium with their key features.
Describe the conversion privilege in term life policies including conversion periods, conversion options, evidence of insurability waiver, and policy basis for conversion.
Explain the renewability feature in term policies including guaranteed renewability, re-entry provisions, and the impact of renewal on premium rates.
Analyze client needs to determine when term life insurance is the most suitable coverage option considering budget, coverage duration, and financial obligations.

2 Whole Life Insurance

1 topic

Whole life product types

Identify whole life insurance types including ordinary life, limited pay, single premium, and modified premium with their cash value accumulation patterns.
Describe the dividend options available on participating whole life policies including cash, premium reduction, paid-up additions, accumulation at interest, and one-year term.
Explain cash value access methods including policy loans, partial surrenders, and full surrender with their tax implications and effect on death benefit.
Analyze the suitability of whole life insurance for clients considering permanent coverage needs, cash value accumulation goals, and premium affordability.

3 Universal Life Insurance

1 topic

Universal life product variations

Identify the types of universal life insurance including current assumption, guaranteed, indexed, and variable universal life with their risk and return characteristics.
Describe the flexible premium feature of universal life including minimum premiums, target premiums, guideline premiums, and the impact of underfunding on policy performance.
Explain indexed universal life crediting methods including annual point-to-point, monthly average, participation rates, caps, floors, and spread adjustments.
Describe the cost of insurance structure in universal life including mortality charges, administrative expenses, and the impact of policy age on ongoing costs.
Analyze universal life policy illustrations to evaluate projected versus guaranteed values, sensitivity to interest rate assumptions, and lapse risk under various scenarios.
Synthesize a coverage recommendation comparing term, whole life, and universal life options based on client objectives, risk tolerance, and financial capacity.

4 Annuity Products

2 topics

Annuity types and features

Identify the major annuity categories including fixed, variable, and indexed annuities in both immediate and deferred formats.
Describe fixed annuity features including guaranteed minimum interest rates, multi-year guarantee periods, market value adjustments, and surrender charge schedules.
Explain variable annuity features including subaccount investment options, guaranteed minimum death benefits, living benefits, and expense charges.
Describe indexed annuity crediting methods including annual reset, point-to-point, participation rates, caps, and the guaranteed minimum value.
Analyze annuity suitability for retirement income planning considering client age, risk tolerance, liquidity needs, surrender charges, and tax treatment.

Annuity distribution options

Identify annuity settlement options including life only, life with period certain, joint and survivor, installment refund, and lump sum distribution.
Explain the tax treatment of annuity distributions including the exclusion ratio, last-in-first-out treatment of withdrawals, and the 10% early withdrawal penalty.
Synthesize an annuity distribution strategy for a retiree considering income needs, tax efficiency, longevity risk, and coordination with other retirement income sources.

5 Group Health Insurance

1 topic

Group health plan types

Identify the major group health plan types including PPO, HMO, EPO, POS, and high-deductible health plans with their network and cost-sharing structures.
Describe high-deductible health plan requirements including minimum deductible amounts, maximum out-of-pocket limits, and HSA contribution eligibility.
Explain the differences between HSAs, HRAs, and FSAs including eligibility, contribution limits, rollover provisions, and portability.
Analyze group health plan options for an employer considering employee demographics, cost management objectives, provider network adequacy, and regulatory compliance.

6 Individual Health Insurance

1 topic

ACA marketplace and individual coverage

Identify the essential health benefits required under the ACA including the ten benefit categories and their coverage mandates.
Describe ACA metal tier levels including bronze, silver, gold, and platinum plans with their actuarial value ranges and cost-sharing structures.
Explain premium tax credit eligibility, advance payment options, reconciliation requirements, and the impact of income changes on subsidy amounts.
Describe special enrollment period triggers including qualifying life events, verification requirements, and the distinction from open enrollment periods.
Analyze individual health insurance options for clients considering income level, subsidy eligibility, provider preferences, prescription needs, and cost-sharing priorities.

7 Disability Income Insurance

1 topic

Disability coverage features

Identify disability income insurance types including short-term disability, long-term disability, and individual disability income policies with their coverage periods.
Describe the distinction between own occupation and any occupation disability definitions and their impact on benefit eligibility and duration.
Explain elimination period options, benefit period selections, benefit amount calculations, and residual disability provisions in disability income policies.
Analyze a client's disability income needs considering earned income, existing coverage, elimination period affordability, and benefit adequacy.

8 Medicare Supplement Insurance

1 topic

Medigap plan types and enrollment

Identify the standardized Medicare supplement plan types including Plans A through N with their coverage levels and benefit structures.
Describe the Medigap open enrollment period including duration, guaranteed issue rights, and the consequences of delayed enrollment on premium pricing.
Explain guaranteed issue rights for Medicare supplement policies including triggering events, plan availability, and pre-existing condition limitations.
Analyze Medicare beneficiary scenarios to recommend appropriate supplement coverage considering health status, budget, provider preferences, and travel patterns.
Synthesize a Medicare coverage comparison for a new beneficiary evaluating Medigap plans versus Medicare Advantage considering total costs, coverage flexibility, and provider access.

9 Long-Term Care Riders and Hybrid Products

1 topic

Combination and rider-based LTC coverage

Identify long-term care riders available on life insurance policies including accelerated death benefit riders, chronic illness riders, and extension of benefits riders.
Describe hybrid life insurance/long-term care products including benefit triggers, monthly benefit amounts, benefit pools, and the return of premium feature.
Explain the tax treatment of long-term care benefits paid under life insurance riders including per diem limits, tax-qualified status, and reporting requirements.
Analyze the suitability of hybrid LTC products versus standalone LTC insurance considering client assets, health status, coverage objectives, and premium preferences.

10 Beneficiary Designations

1 topic

Beneficiary types and planning

Identify the types of beneficiary designations including primary, contingent, revocable, irrevocable, per stirpes, and per capita distributions.
Describe the implications of common beneficiary designation errors including naming the estate, failing to update after life changes, and minors as direct beneficiaries.
Explain trust beneficiary designations including revocable living trusts, irrevocable life insurance trusts, and supplemental needs trusts for disabled beneficiaries.
Analyze beneficiary designation scenarios to identify potential problems including community property issues, divorce decree conflicts, and simultaneous death provisions.

11 Policy Provisions and Riders

1 topic

Standard policy provisions

Identify mandatory life insurance policy provisions including grace period, incontestability, misstatement of age, reinstatement, and nonforfeiture options.
Describe common life insurance riders including waiver of premium, accidental death benefit, guaranteed insurability, and children's term rider features.
Explain nonforfeiture options including extended term, reduced paid-up, and cash surrender with their availability and impact on coverage continuation.
Synthesize a policy review analysis identifying coverage gaps, rider suitability, and beneficiary designation adequacy for a client's existing life insurance portfolio.

12 Life Insurance Tax Treatment

1 topic

Tax provisions for life insurance

Identify the general income tax treatment of life insurance including death benefit exclusion, cash value accumulation, and modified endowment contract classification.
Describe the modified endowment contract rules including the seven-pay test, material change triggers, and the tax consequences of MEC distributions.
Explain the tax treatment of policy loans, partial withdrawals, and full surrenders from non-MEC life insurance policies including cost basis recovery.
Describe Section 1035 exchange requirements for tax-free exchanges between life insurance, endowment, and annuity contracts including qualification criteria and procedures.
Analyze policy transactions to determine the tax consequences including gain recognition, penalty applicability, and the impact of MEC status on distribution taxation.

13 Health Insurance Portability and Continuity

1 topic

COBRA and portability provisions

Identify COBRA continuation coverage requirements including qualifying events, eligible beneficiaries, election periods, and maximum continuation durations.
Describe HIPAA portability provisions including creditable coverage, special enrollment rights, and the prohibition on pre-existing condition exclusions under the ACA.
Explain state continuation coverage laws that provide protections beyond federal COBRA including small employer applicability and extended coverage periods.
Analyze a client's coverage transition scenario to determine the most appropriate continuation or replacement coverage considering cost, benefits, and enrollment timing.
Synthesize a health insurance transition plan for an individual leaving employer coverage addressing COBRA election, marketplace enrollment, and coverage gap prevention.

Scope

Included Topics

Term life insurance products including level term, decreasing term, annual renewable term, return of premium, and conversion privileges.
Whole life insurance including ordinary life, limited pay, single premium, participating and non-participating policies, and dividend options.
Universal life insurance including flexible premiums, cost of insurance, minimum guaranteed rates, indexed universal life, and variable universal life.
Annuity types including fixed, variable, indexed, immediate, and deferred annuities with accumulation and distribution phase features.
Group health insurance plans including PPO, HMO, EPO, POS, and high-deductible health plans with HSA and HRA integration.
Individual health insurance including ACA marketplace plans, essential health benefits, metal tier levels, subsidies, and special enrollment periods.
Disability income insurance including short-term and long-term disability, own occupation versus any occupation definitions, elimination periods, and benefit calculations.
Medicare supplement insurance including standardized plan types, guaranteed issue rights, open enrollment periods, and coordination with Medicare Advantage.
Long-term care insurance riders and hybrid products including accelerated death benefits, chronic illness riders, and combination life/LTC policies.
Beneficiary designations including primary, contingent, revocable, irrevocable, per stirpes, per capita, and trust beneficiary arrangements.

Not Covered

Insurance company financial analysis, reserve requirements, or actuarial methodology beyond product feature understanding.
Federal securities regulation of variable products beyond state insurance licensing requirements.
Detailed tax planning, estate planning, or wealth transfer strategies beyond basic policy tax treatment.
Claims adjustment procedures, medical underwriting criteria, or reinsurance beyond producer-level understanding.
Workers compensation, commercial liability, or property insurance covered in separate continuing education domains.

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