Insurance CE Courses

Health Insurance Financial Planning: Introduction to Individual Policies and HSAs

An introduction on how to advise your clients to protect themselves against a financial disaster if they or a member of their family becomes ill, by helping them obtain permanent affordable Individual/Family Health Insurance.

Table of Contents  |  Description

Introduction to Employer Defined Contribution Health Plans (HRAs)

An introduction on how employers can now give each employee a fixed monthly tax-free allowance (i.e. Defined Contribution) to purchase their own health insurance, and you can then help each employee obtain their own individual or family policy.

Table of Contents  |  Description

Health Insurance Policies for Individuals and Families

Help Employees, Individuals, and Families obtain permanent, lifetime (until age 65) affordable health insurance—policies now available in all states on which premiums cannot be increased due to claims history.

Table of Contents  |  Description

HRAs, Defined Contribution, and Other New Employer Options for Health Benefits

Employers can now give each employee a fixed monthly tax-free allowance (i.e. Defined Contribution) to purchase their own health insurance, and you can then help each employee obtain their own individual or family policy.

Table of Contents  |  Description

Course 1 (4-6 Credit Hours)


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Health Insurance Financial Planning: Introduction to Individual Policies and Health Savings Accounts

by Professor Paul Zane Pilzer

Course Description

Advise your clients to protect themselves against a financial disaster if they or a member of their family becomes ill, by helping them obtain permanent affordable Individual/Family Health Insurance.

Health Insurance Financial Planning: Introduction to Individual Policies and Health Savings Accounts gives you as a licensed agent, an introduction on how to advise your clients to protect themselves against financial disaster if they or a member of their family become ill.

Health Insurance Financial Planning: Introduction to Individual Policies and Health Savings Accounts teaches you the history of health insurance in the U.S., the recent transition from group (employer) plans to individual/family plans (funded by employers), and a summary of the new solutions available to help your clients obtain affordable, permanent, and portable health insurance.

You will learn

  • How to explain individual/family health insurance to your clients, and help them analyze why it may be a better deal than group employer-sponsored plans for their families.
  • How the application process works, and learn the role you (the agent) should play in advising your clients before they submit an application.
  • How to advise clients with preexisting medical conditions about new state-guaranteed coverage that is now available in all 50 states for people who lose their employer-sponsored health insurance
  • How to advise your clients on Medicaid, Medicare, and other forms of income-assisted coverage.
  • You will learn how to advise clients about the new Health Savings Accounts (HSAs), why every American should have one, and why no one should put an additional dollar into an IRA or 401k before they have fully-funded their HSA.