HS 311 Video: Fundamentals of Insurance Planning: Recent Episodes
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A look at the various types of medical expense coverage available in the individual marketplace.
Topics covered in this video include: the nature of limited-benefit medical expense plans, health savings accounts, and the premium and renewability provisions found in medical expense contracts.
How the market has evolved to make it easier for unhealthy individuals to obtain medical expense insurance and a look at the key provisions of the Affordable Care Act.
This video includes a discussion of conversion privilege and group-to-individual portability.
This video explains COBRA and the various other alternatives for continuing employer-provided medical expense coverage.
This video describes the coverages provided by the standard homeowners policy forms (HO-2, HO-4, HO-5, HO-6, and HO-8), and dicusses the definitions, coverages, and exclusions contained in Sections I and II of the HO-3.
Topics covered in this video include: contractual liability, tort, strict liability, and negligence.
This video continues the discussion of property insurance coverage, explains the coinsurance provision, and introduces Liability insurance concepts.
The tax treatment of property and liability insurance premiums and loss settlements for individuals and businesses, and why there is a need for property and liability insurance planning
Topics covered in this video include: agreed value, stated amount, named and open-perils coverage, and claims settlement duties.
A continued discussion of commercial insurance, covering commercial general liability, professional liability, D&O, and more.
Understanding the importance of ethics in financial services, distinguishing ethics from compliance, and the eight-step model for making ethical decisions
A look at the key types of commercial property and liability insurance available to meet the protection needs of businesses
This video covers the following topics: key endorsements available to tailor the PAP to common client needs; potential sources of auto coverage for hard-to-insure drivers; key factors for a client to consider when shopping for auto insurance.
A look at the basic components of the Personal Auto Policy, and an explanation of the coverages parts A, B, C, and D of the Personal Auto Policy provide.
This video describes the problems associated with auto accidents and the methods of compensating accident victims.
This video describes the coverage provided by the various endorsements available to tailor a homeowners policy to individual needs.
Why property and liability policies other than a homeowners policy may be required to meet the needs of individuals and families, and describe the key policies available
A description of long-term care insurance benefits and associated contract terms and policies.
This video explains the need for long-term care and the sources of long-term care financing.
The characteristics of individual long-term care insurance policies, including issue ages and types of care.
This video describes how group long-term care insurance policies differ from individual policies.
The effect of the Health Insurance Portability and Accountability Act (HIPAA) on long-term care insurance
The development of long-term care insurance, including the National Association of Insurance Commissioners (NAIC) model legislation
A look at various terms, features, riders, and benefits associated with individual disability income policies
This video explains various definitions, exclusions, and benefits associated with disability insurance contracts.
A brief consideration of business uses of disabilty income insurance, including business overhead expense insurance, key person insurance, salary continuation, and buy-sell funding
Topics covered in this video include: sick-leave plans, the characteristics of insured group disability income plans, tax treatment of employer-provided disability income benefits, and the characteristics of individual disability income policies.
A look at the tax implications of employer-provided medical expense premiums and benefits for employers and employees
This video explains why benefit carve-outs are used with medical expense plans, and describes the carve-outs used for prescription drugs, vision benefits, and behavioral health.
A description of traditional major medical expense coverage, and how this approach has incorporated managed care provisions
Topics covered in this video include: the reasons for the use of managed care, various types of managed care plans, and the nature and purpose of consumer-directed medical expense plans.
This video describes the provisions found in medical expense plans that pertain to eligibility, coordination of benefits, Medicare, and claims.
This video describes three types of riders that policyowners often add to their life insurance policies.
Various business uses of life insurance, including: Key Employee insurance, Buy-Sell Agreements, Section 79 Plans, and Split-Dollar Life Insurance
The key approaches to determining the amount and type of life insurance appropriate for a client
This video explains uses of annuities, including charitable gift annuities, structured settlements, and impaired risk annuities.
This video details various considerations in annuity contract design including features of variable and indexed annuity contracts.
This video discusses annuity mortality and describes fees and charges associated with annuities.
A look at terms associated with annuities and the difference between annuities and life insurance
This video describes the types of property and liability loss exposures that families and businesses face.
Characteristics of an insurance contract and a look at indemnity and insurable interest
This video defines terms and concepts associated with insurance contracts and contractual statements.
This video discusses eligibility and benefits under Medicare parts A and B, the Medicare advantage program, and prescription drug coverage available.
This video identifies the types and amounts of benefits available under Social Security.
A look at several other types of insurance policies, including variable life (VL), universal life (UL), and variable universal life (VUL).
This video explains various terms associated with policy structure, including premium structure, term features, and non-level term.
This video explains the regulation, ethics, taxation, and planning considerations of policy viatication and life settlements.
Measuring the cost of insurance, including a look at surrender cost and net payment cost indexes
This video describes uses of life insurance in estate planning, including ILIT's and second-to-die policies.
This video describes the issues involved in illustrations and in the replacement of a life insurance policy.
This video provides a detailed look at yearly renewable term and cash value life insurance.
This video provides a detailed look at different types of whole life insurance policies.
This video compares the types of marketing representatives in insurance and explains the agent's and insurer's legal duties to each other.
This video provides a look at the interested parties to a policy and the attributes of a policy declarations page.
Professor Lynch explains different views of insurance and explains how insurance can treat pure risks.
Kevin takes a look at how individuals may respond to risk and explains the costs associated with pure risks.
This video defines rate and premium and describes the factors involved in insurance rate making.
This video explains the purpose of claims adjustment, the types of claims adjusters, and procedures for claims adjustment.
This video describes the nature and purpose of underwriting and the sources of underwriting information.
This video explains how insurance works, including the insurance equation and terms associated with gathering statistical data.
Avoidance, loss prevention, loss reduction, and other basic methods of treating risks are covered.
This video describes the nature of unemployment insurance, temporary disability income insurance, and workers’ compensation insurance.
This video discusses the adequacy of Social Security and Medicare financing and describes the federal tax treatment of contributions and benefits.
The general purpose and methods of insurance regulation and the kinds of state and federal regulation
This video describes the extent of coverage under the Social Security and Medicare programs, and explain how the programs are financed.
This video distinguishes among the ways private insurers may be classified and organized.
This video describes the marketing systems used in various types of insurance agencies.
This video compares stock and mutual insurance companies with other types of insuring organizations and explains why some mutual companies are converting to stock companies.
Professor Lynch explains how umbrella liability policies work in conjunction with other insurance.
Professor Lynch provides and example of how damages are calculated and awarded following an auto accident.
Professor Lynch discusses coinsurance and deductibles and illustrates how to calculate out-of-pocket expenses.
Professor Lynch explains how to calculate the standard limits for Coverages B, C, and D of a homeowners policy (NOTE: coverage percentages may be different in your state).
Professor Lynch explains how to calculate net amount at risk in a cash value life insurance policy.