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To register for classes, click here.
If you'd prefer to pay by check, download the Pay By Check Form at the bottom of this page and send it back with a check made payable to: The Diversified Companies
Mail to:
The Diversified Companies
300 Broadcres Drive
1st Floor
Bloomfield, NJ 07003
Note: All courses are three (3) Credits Each.
Course List
BUSINESS CONTINUATION
Studies the disposition of the interest in a business or professional practice. Methods of calculating the amount and techniques for funding the solution through insurance, death and other contingencies considered, and the effect of income and estate taxes will be discussed.
SENIOR MARKETS
This course covers topics relating to the preparation for post-retirement years. We provide agents with the blueprint they need to guide their clients and prospects to a secure retirement.
CD ALTERNATIVES
Learn to compare short and intermediate term fixed investment and insurance products. After reviewing your clients risk/reward profiles for suitability purposes. Some features compared: safety; cash flow; liquidity; maturities; income and estate taxes; probate effect; guarantees; fees and commissions; effect on social security.
PERSONAL P&C PLANNING
An advanced course for you to help clients plan for and insure risks covered by various personal property and casualty coverages.
PERSONAL HEALTH INSURANCE PLANNING
Designed to help an agent counsel on personal health insurance plans, medical and non medical optional programs including Critical Illness, Long Term Care, Disability Income, Dental Plans, Medicare Supplements, Managed Care, and Travel Health.
ETHICS
Consumers rank ethics and trust more than twice as important as advice and product performance. A few can damage ethical trust for the entire industry. Better understand those areas requiring diligence in one’s own actions, as well as observing, training and monitoring other professionals.
UNDERSTANDING HOMEOWNERS INSURANCE
Describes each section of the commonly used ISO Homeowners forms including property coverages, liability coverages and endorsements.
B052901
UNDERSTANDING PERSONAL AUTOMOBILE INSURANCE
Focuses on the various coverages and answers to commonly asked questions. Both the ISO Personal Auto Policy form and common endorsements are discussed.
THE KENNEDY-KASSEBAUM BILL
Legislation to improve portability and continuity of health insurance coverage in group and individual markets; combat waste, fraud and abuse in health insurance and health care delivery; promote use of medical savings accounts; improve access to long term care services and coverage; and simplify the administration of health insurance.
WINDSTORM MARKET ASSISTANCE PROGRAM (WindMAP)
WindMAP is a mechanism created to assist homeowners living in New Jersey's coastal areas to obtain insurance. An overview of the plans, process, history and an in-depth knowledge of how to properly assist consumers in obtaining coverage will be discussed.
MANAGED CARE
Managed Care is the coverage of choice for seven (7) out of ten (10) employers. Traditional indemnity plans are becoming a thing of the past, making health insurance more of a challenge for agents and brokers. Managed Care premiums are lower; and it takes more time to educate employers and employees. Agents learn the language, values and ratings involved to help with their clients' needs.
CRITICAL ILLNESS INSURANCE
Over ten (10) years old in other countries, and getting started in the United States. The development of the concept, product, marketing, underwriting, many indirect costs and how to prevent financial hardship from critical illness are discussed.
HEALTH INSURANCE REFORM
Advanced course for agents involved in individual and group health insurance. We explain individual and group health laws in New Jersey so the agent has a full understanding of the current situation. Agents will be able to properly advise their clients and the public about available plans.
INDIVIDUAL & SMALL GROUP HEALTH INSURANCE
Current health plans available in New Jersey for individuals and groups, where the industry is going, reasons for rate changes and volatility in the marketplace.
HEALTH INSURANCE FRAUD & ABUSE
How to spot and prevent abuse and fraud in the medical and insurance industries. Agents can educate consumers to be watchful for possible errors and mindful of fraud. Helps to hold down health premiums.
ADVANCED APPLICATIONS OF HEALTH INSURANCE
Designed for experienced agents to become well-rounded health insurance professionals. Covers group major medical, cafeteria plans, HMO’s, disability programs and long term care.
MEDICAL EXPENSE INSURANCE
A comprehensive course covering all aspects of group health insurance. Begins with basic concepts and traces history and evolution. Alternative methods of funding employee benefits are discussed. Includes new developments and future of health insurance.
DISABILITY INCOME INSURANCE
This course describes why this product came into existence, the need for it, how it relates to government programs, the differences in various contracts, how to market group and individual products and what the future is for the product.
QUALIFIED RETIREMENT PLANS (QRP'S)
How a Plan is established, customized to fit a prospect employer's objectives, the basics of qualified plans, types of plans, contributions and benefits, vesting, distributions and plan adoption and administration.
PRINCIPLES OF RETIREMENT PLANNING
How to service the burgeoning market for retirement planning products and services;
the retirement planning process; methods to assess client's post retirement needs; up-to-date demographic information; review of products; sources of retirement income; choosing a plan for business owners; and distributions of Qualified Retirement Plans.
401 (K) PLANS
How 401 (K) Plans work, how to design them for differing needs, what is involved in plan installation and administration, and includes an effective sample marketing presentation.
SIMPLIFIED EMPLOYEE PENSIONS (SEPs)
Tax and non-tax advantages of SEPs; how to establish SEPs; contribution and deduction limits; participation requirements; and plan administration and distributions.
ANNUITIES
Course discusses annuities, origins, the development of the product and distribution. Delves into the marketing aspects of the annuity; explores the tax treatment of annuities; and how insurers invest for this flexible retirement product.
LONG TERM CARE
Covers the many issues facing those seeking a long term care solution. Focuses on providing affordable, quality private insurance protection. It reinforces that Medicare, Medicaid and Medicaid Estate Planning may not always be practical solutions. Includes useful statistics and demographic information and marketing ideas.
ESTATE PLANNING
Principles of estate planning: from finding prospects, understanding taxation issues,
administration process, estate shrinkage, trusts, wills, property transfers and leverage strategies.
BUSINESS INSURANCE
Identifies the unique needs of business owners, including information on tax rules, buy-sell agreements, partnerships, sole proprietorships, close corporations, and key-person insurance.
PENSIONS AND PROFIT SHARING
The complex area of pensions and profit sharing plans, concepts of pension planning, use of qualified plans in retirement planning, and Social Security integration.
The mechanics of plan design installation, administration and servicing. A section on specialized products: IRA's and SEP's, Keoghs, 401(K), 403(B), 457 plans and SIMPLE.
ANCILLARY GROUP PRODUCTS
Be able to consult with and advise clients or prospects on their group insurance package. Group Life, Long Term Disability, Dental, Prescription Plans, Cancer Plans, and Vision Plans are discussed.
NEW JERSEY SMALL GROUP HEALTH PLANS
For agents who service groups of 2 to 49 lives. Agents will be able to understand and explain the State mandated plans to clients and be able to advise them.
PARTIALLY SELF FUNDED HEALTH PLANS
Analysis of the evolution of the partially self-insured market, factors impacting funding, market development, stop loss coverages, and options available.
CAFETERIA PLANS (SECTION 125)
be able to explain, advise, consult and implement cafeteria plans, and integrate with an employer fringe benefit package. IRS
and fringe benefit options discussed. Explains the difference between Premium Only Plans, Flexible Spending Accounts, Flexible Benefit Plans, and tax ramifications. Examine tax regulations, highly compensated employees, and non-discrimination testing.
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