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“Ethics 1:  STOLI: Stranger Owned Life Insurance”      

NO EXAM

3 hrs –CLASSROOM ONLY

Refer to Class Schedule for Dates& Locations

This three credit hour all classroom, continuing education course is designed to benefit the Illinois insurance producer by making them aware of the historical legal significance of the Doctrine of Insurable Interest  and the modern practice of life policy owners who sell their life insurance contract rights to third party investors. 

The program demonstrates some recent market practices whereby financially successful senior citizens may be recruited to purchase life insurance with the future intent of assigning ownership for profit. The course also explores the reasons insurance carriers do not favor STOLI type arrangements.

A producer may be lured by promises of “easy money”  but will need to know where helping a client ends and possibly breaking the law begins. This program will help you to protect you clients and your producer license.

 Ethics 2: "Creating a Producer Code of Conduct"  (NO EXAM)

3 hrs –CLASSROOM ONLY

Refer to Class Schedule for Dates and Locations

 This continuing education ETHICS CLASS is designed to benefit the Illinois insurance producer in three ways.

 First it reminds them of their fiduciary relationship with the public by reviewing some common mistakes that producers may make with reference to selected statutes and regulations governing producer conduct. 

 Second, the course offers advice on conducting a sound decision making process when potential problem scenarios may arrive.

 Third, the program guides the licensed producer with a simple method for creating a personal code of conduct designed to promote their long term business goals.

 Informative and fast-paced, this class is well worth your investment.

Ethics 3: "Ethical Conduct and Leadership"

 This ethics class is designed to not only remind producers of ethical duties in the areas of working to address client needs within the guidelines of regulation and statutory restriction but also to challenge producers to make the insurance marketplace a better environment than it was when they entered it. The challenge is to recognize that the producer, who is also a leader, constantly measures his or her actions with the public to earn the respect and trust from the public that is necessary to elevate the reputation of the entire insurance sector of the broad financial services industry. Each producer is reminded that the high regard of the public is earned by cumulative impact that each and every producer creates by their actions.

 Ethics 4: “Ethical Sales and Marketing Conduct”

This three credit hour classroom ethics course is designed to compare and contrast ethical sales and marketing techniques with those that range from inappropriate to criminal. The content that will be included is advertising regulations, prospecting behaviors and suitability of matching client need and budget to relevant products. A strong emphasis on federal regulations regarding the “Do Not Call Registry” will be featured. The Illinois producer will gain a great appreciation and perception of fiduciary-based techniques including non-invasive sales and marketing tactics of insurance products and services.