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This course is designed to meet the variable life insurance training requirements of California Senate Bill SB 263. It provides a comprehensive overview of the structure, features, and regulatory requirements surrounding variable life insurance products. It covers key concepts such as death benefit options (Option A and Option B), cash value accumulation, premium flexibility, and net amount at risk (NAR). The course explains how variable life insurance integrates both insurance and investment elements, making it critical for individuals seeking to understand how policyholders can allocate premiums to different subaccounts, such as stocks or bonds, to maximize returns. Additionally, the course addresses regulatory standards like the Free Look period, surrender charges, and the California Insurance Code, ensuring agents grasp both the legal and consumer protection aspects of these policies.
This course is directly relevant to insurance professionals licensed to sell life insurance, especially those handling complex products like variable universal life (VUL) policies. By enhancing understanding of the dynamic features of VUL, such as investment risks, cash value fluctuations, and compliance requirements, the course contributes to the technical competence of professionals. It prepares them to offer informed guidance on product suitability and regulatory adherence, thereby supporting the ethical and competent practice of selling variable life insurance products.
The topics include:
| Total Hrs / Order | Price |
|---|---|
| 1-5 hrs | $19.95 |
| 6-17 hrs | $29.95 |
| 18-24 hrs | $44.95 |
| 25-50 hrs | $54.95 |
| 51+ hrs | $54.95 + $2.00 per additional hour over 50 |
Pricing based on total number of hours in order.
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Life Only
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391160
Paul Winn
California