Insurance Professional Development Print Books

Learn the fundamentals of individual annuity contracts. This book covers variable annuities in depth, distinguishing them from fixed annuities and discussing variations such as single and periodic premium, immediate and deferred annuities. How annuities are used and tax rules are also covered.

Learn the terms and functions relating to each part and system of an automobile. More than 200 detailed illustrations identify car parts and their locations. Claim representatives who complete Auto Physical Damage Basics before attending training school will be ready to learn the specifics of estimating losses without having to struggle with the terminology. A glossary, index, and table of common abbreviations provide a valuable reference when study is complete.

Businessowners have special estate planning challenges. Learn the pros and cons of continuing a business or liquidating it when the owner dies or becomes disabled. This book covers buy-sell arrangements, tax rules, and the role of insurance in making an effective plan.

This comprehensive training course explains the concepts and terminology of Verisk’s ISO® business income and extra expense forms and frequently used endorsements. Learners discover how to differentiate time element needs from property coverage needs and which factors are used to establish adequate insurance limits to cover loss exposures.

This comprehensive course examines the insurance products and concepts that meet business insurance needs. It compares proprietorships, partnerships, and corporations, and then discusses key employee insurance, deferred compensation, split-dollar plans, executive bonus plans, and group insurance. It includes sample advanced sales agreements, plus valuable prospecting tips and sales ideas. The last unit explains financial statements and shows how to use them as sales tools.

Here is a targeted orientation course for new claim professionals. Learners discover the role of the claim professional and the skills and resources involved in claim handling. Students receive an introduction to the common procedures involved in the claim-handling process and the important ethical issues associated with claims.

This book presents the basic procedures and relevant laws for property and casualty claim investigations. Students learn specific steps to follow when investigating auto liability, workers' compensation, fire, and fall-down claims. Relevant case studies show how to use information from a loss report in the investigation procedure.

Here is a practical way to teach the basics of taking statements and to provide practice in interviewing, analysis, evaluation, and decision-making skills. Sample dialogues relate the concepts directly to claim professionals' daily activities.

Liability coverage, physical damage coverage, conditions, endorsements and more: here is a careful analysis of the most recent versions of Verisk’s ISO® auto, auto dealers, and motor carrier forms. Students learn the eligibility rules and how to use the numerical system for designating the autos covered by each form.

This comprehensive book teaches how to rate both business auto and auto dealers forms. It covers rating hired commercial auto, employers nonownership liability, commercial auto truck types, commercial auto trailers, zone risks, vehicle dealers, and private passenger types. The book also discusses the Optional Classification Plan and coding procedures.

Commercial Crime Coverage analyzes each of the insuring agreements in Verisk’s ISO® crime coverage program. This course explains how to assemble a commercial crime contract as a monoline policy or as part of the CPP, and it gives an overview of how the exposures are rated

Students learn the basis for legal liability and the business liability exposure. The course features detailed analysis of the coverages under Verisk’s ISO® occurrence and claims-made forms, specialized liability coverages, and popular endorsements.

Students classify and rate the occrrence form and learn how claims-made rating is different. Topics include an introduction to general liability, tools used for rating CGL insurance, classifying and rating the occurrence and claims-made forms, and CGL and the CPP.

This specialized book introduces the nationwide definition and teaches identification and categorization of common inland marine risks. Students learn to distinguish filed and nonfiled inland marine insurance forms and to determine which forms may be included in the commercial package policy. They also learn the terminology and regulations associated with transportation and bailee risks.

Insurance for buildings and business personal property are discussed in this commercial property coverage course. It teaches the purposes of and coverages provided by commonly used Verisk’s ISO® forms, including building and personal property, condominium, and business income forms. It also discusses the causes of loss forms and frequently used endorsements.

Learn how to rate building and personal property coverages, as well as other commercial property coverages and endorsements. Topics include a review of commercial property insurance, tools used for rating commercial property insurance, class rating, and specific rating.

Here is a definitive study of quality customer service in the insurance environment. Students learn to see service from the customers' view. They learn to establish rapport, develop relationships, listen actively, take ownership of problems, speak positively, and help irate customers.

Look no further for complete training on the three Verisk’s ISO® dwelling coverage forms and important endorsements. The course describes who is eligible for dwelling insurance and when it is most commonly used.

Bookstores are packed with writing courses, but this one is unique because students learn to write business letters, memos, faxes, and email using insurance-specific examples. Employees discover how to appraise a business situation and compose an appropriate, clear, and well-written response. A useful grammar review is included.

Here is an excellent introduction to the life and health insurance producer's ethical responsibilities to insurers, their clients, the public, and the state. The course focuses on the expression of ethical principles in the daily activities of life and health insurance producers.

Ethics at Work emphasizes the importance of ethical conduct and professionalism in the property and casualty industry. Students learn how consumer protection and ethical issues relate to insurance regulation, with an emphasis on claims, underwriting, and sales practices. Case studies and exercises help students apply what they've learned.

This book outlines the broad parameters of a life insurance producer's ethical responsibilities. The producer's responsibilities to the insurer, policyowners, and the public are detailed. The material also outlines legal and fiduciary issues. Case studies and examples throughout the book reflect ethical dilemmas that insurance producers commonly face on the job.

Get clued into the financial planning process and the financial services industry. This course covers the basic analytic tools of the trade, income tax planning, risk management planning, retirement planning, wealth accumulation planning, estate planning, and business planning, and concludes with a look at the profession.

The most up-to-date definitions and usage of thousands of specialized insurance industry terms and concepts, suitable for both life-health and property-casualty insurance. Definitions reflect current regulatory developments, policy forms and coverages, important legal developments, and the changing business environment. It includes terms related to annuities, auto insurance, estate planning, health insurance, property and liability insurance, retirement planning, life insurance, workers' compensation, and related topics.

Learners gain knowledge of all facets of group insurance, including life, health, and long-term care plans. The book explains the basic characteristics of group plans and analyzes the qualification and tax rules that apply to them. One unit is devoted to Section 125 plans. Study includes up-to-date coverage of the impact of managed care and health insurance portability requirements. The material provides practical advice on enrolling, installing, and servicing group plans, with special emphasis on marketing techniques.

Here is essential training for everyone using Verisk's ISO®️ homeowners policy program. This course focuses on the Homeowners 3 special form and then examines the differences in the Homeowners 2,4,5,6 and 8 forms. Learn how different factors affect premiums. A review of popular endorsements is included.

Insurance fraud is a costly problem for the insurance industry, policyholders, and the general public. Learn techniques to identify and fight fraud at the time a policy is purchased or when a claim is made. The course describes common insurance fraud indicators associated with specific types of claims, including property, auto, and workers' compensation.

This course provides an overview of package policies for small- to medium-sized businesses and Verisk’s ISO® businessowners policy and eligibility rules. Students learn typical ways in which company-specific businessowners policies differ from the ISO form.

This is an excellent introduction to medical terms and human anatomy from a claims perspective. The study provides the skills needed to competently handle medical claims. Illustrations help the learners locate and identify major bones and key body systems. Students learn the implications of bone and soft tissue injuries. Job aids include medical abbreviations, terms, a pronunciation guide, and a temporary disability time estimate chart.

When producers are ready to move into the advanced markets, this course teaches the concepts they must know to succeed. It explains how to prospect for and get the attention of businessowners. The course presents the issues that are important to businessowners and discusses how producers can meet their needs. It covers succession planning (buy-sell agreements, Section 303 redemptions, and key employee insurance), as well as several insurance products for advanced markets (group insurance, executive bonus, split-dollar plans, qualified retirement plans, and more). Learners discover how to collect the information necessary to develop an effective sales proposal.

Numerous factors must be taken into account to formulate suitable strategies for investing retirement assets for today's retirees. This course provides an introduction to distributions from tax-qualified retirement plans, as well as an overview of the principles of asset allocation that may be appropriate for a retired or retiring client.

What concepts of legal responsibility underlie our system of insurance? This book covers our system of courts and the laws they administer, including contract and tort law, intentional torts, negligence, and strict liability and how these principles of law affect the investigation, evaluation, and disposition of an insurance claim.

A must-have for all professionals who work with medical claims. Eight sections deal with parts of the body and its systems, detailing anatomy, injuries and conditions. Four other sections cover medical terms and abbreviations, tests and signs, burns and disabilities. This handbook contains claim-specific information in a quick and easy format, featuring annotated visuals and concise descriptions.

Plain-language explanations and illustrations introduce diagnostic tools and relate them to the physical conditions commonly seen in medical claims. This course helps employees understand complex medical reports about tests and signs and use those reports effectively in the claims settlement process.

This course provides thorough coverage of the details concerning both Medicare health insurance and Medigap supplement health insurance policies. Medicare Part C plans (Medicare Advantage) are (is) also discussed. The course provides information on Medicare eligibility requirements and enrollment procedures and explains how health benefit claims are considered in plan coverage. Medicare benefits are explained in detail, including covered services, benefit amounts, claim exclusions, and any applicable copayments and deductibles. The section of the course covering Medigap supplement insurance includes a discussion of related marketing and sales issues. Case study examples demonstrate how Medigap supplement insurance can complement Original Medicare coverage limitations.

This book covers the Medicare program, including Medicare Part A (Hospital Insurance), Medicare Part B (Medical Insurance), Medicare Part C (Medicare Advantage Plans, like HMOs or PPOs), and Medicare Part D (Medicare Prescription Drug Coverage).

This book addresses the basics of needs-based consultative selling. After comparing financial objectives with existing resources, the need for additional insurance becomes obvious to prospects. This course is designed for producers who have just completed their introductory training or for experienced agents who wish to upgrade their skills from package or product selling.

This book guides students through the process of claim negotiation. Students focus on preparing for negotiation, establishing the right climate, and other techniques needed to reach quality settlements.

Learners will analyze each provision of Verisk’s ISO® personal auto policy and important policy endorsements. They will also learn about no-fault insurance and the main factors in determining personal auto premiums.

This book familiarizes agents with the retirement planning market and the retirement planning process by covering three main areas: analyzing and identifying retirement income needs and how to address those needs, health care and health insurance options, and estate and distribution planning. Topics include needs analysis, Social Security, life insurance and annuities, investment products, qualified plans and IRAs, plans for small business owners, long-term care, and wealth distribution.

This book discusses insurance policies that cover the professional liability exposures presented by certain types of occupations, such as physicians and attorneys. It also covers policies that cover other business liability risks that are related to professional liability, such as directors and officers liability, fiduciary liability, and employment practices liability.

Do your employees need a quick orientation to the property and casualty industry? This powerful training is designed for completion in the first week on the job. It teaches new employees how the insurance industry operates and the contribution insurance makes to our world. Confidence is increased, and employees are prepared for the new roles they are about to play.

Get a comprehensive look at key insurance lines, including property, liability, dwelling, homeowners, personal auto, commercial property, ocean and inland marine, commercial general liability, commercial auto, commercial crime, and workers' compensation. Learn the coverages, exclusions, and conditions of each line. Regulation and company organization are covered.

This course teaches the elements of reinsurance contracts and discusses the broad categories within facultative and treaty reinsurance: pro rata and excess of loss. It is designed as an orientation course for reinsurance employees or as ongoing education for underwriters and other insurance professionals.

This fully illustrated course shows how a home is built, beginning with the foundation and following with each step until the structure is complete. Students learn construction nomenclature and the latest residential construction techniques. It includes a brief refresher course in estimating math.

Retirees need to stretch their assets for 20-30 years or more. Savvy distribution planning can help. Learn when to tap different asset categories and how taxable funds differ from tax-free and tax-deferred funds. Manage your clients' risk so they won�t outlive their resources.

The rules governing Social Security and Medicare are complex, and eligibility requirements and benefit amounts can change frequently. This course will help you understand these programs. The course is divided into two parts and covers both Social Security and Medicare.

This book delivers an overview of the major coverages, exclusions, and conditions typically included in personal and commercial umbrella policies. Students analyze their company's umbrella policy using a policy analysis manual.

Covers the proven-effective, four-step underwriting process: acquire needed information from the right sources, evaluate that information, select and implement sound underwriting actions, and monitor for changes and results. The course covers the basics required to underwrite specific lines of insurance and describes the purpose of reinsurance in the context of the underwriter's role.

Underwriting Practices goes beyond the basic techniques and principles of underwriting and focuses on the "how and why"of underwriting: how insurers develop their underwriting and risk selection guidelines, the factors that affect insurance pricing, how insurance rates are developed, and why retrospective rating plans may be appropriate for certain risks.

Take your knowledge of variable contracts to the next level. Learn to describe the formal characteristics of fixed premium variable life, variable universal life, and variable annuities to prospects and clients; determine suitability requirements of variable contracts; and explain and recommend asset allocation based on your clients' needs.

This book presents a careful analysis of the National Council on Compensation Insurance's workers' compensation and employers liability policy and the principal features of current issues on workers' compensation. It discusses benefit structures and basic features of state workers' compensation laws.