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FL Life and Annuity Agent 214 Exam Prep

FL Life and Annuity Agent 214 Exam Prep

Get ready to obtain your FL Life and Annuity Agent 214 License

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Language: English | Category: Pre-License

Tracking number: 132167
Credit hours • 30 hours

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What you will learn

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Candidates pursuing a Health insurance agent license must use the most recent edition of the NAIFA Study Manual provided by the Florida Association of Insurance and Financial Advisors, in accordance with Florida Department of Financial Services regulations. To order, visit https://studymanuals.naifa-florida.org/ or call 850-422-1701.

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In depth overview of annuities to help you guide clients in retirement planning

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Mastery of term life insurance concepts to effectively meet diverse client needs

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Detailed knowledge of whole life products for providing long term financial solutions

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Awareness of policy exclusions to better inform clients about coverage limitations

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Expertise in advanced policy riders to customize insurance policies for clients

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Familiarity with policy provisions and options to optimize policyholder benefits

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Improved ability to pass the FL Life and Annuity Agent 214 Exam with confidence

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Enhanced skills for advising clients on the best life and annuity products

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Increased potential for career advancement in the insurance industry

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Course Content

Types of Policies and Features
Types of Policies and Features
Whole Life Products
Whole Life Products
Understanding Ordinary Whole Life
Understanding Ordinary Whole Life
Understanding Ordinary Whole Life
Practice now!
Exploring Limited-Pay and Single-Premium Life
Exploring Limited-Pay and Single-Premium Life
Exploring Limited-Pay and Single-Premium Life
Practice now!
Interest-Sensitive Life Products
Interest-Sensitive Life Products
Diving into Universal Life
Diving into Universal Life
Diving into Universal Life
Analyzing Variable Whole Life
Analyzing Variable Whole Life
Analyzing Variable Whole Life
Understanding Variable Universal Life
Understanding Variable Universal Life
Understanding Variable Universal Life
Exploring Interest-Sensitive Whole Life
Exploring Interest-Sensitive Whole Life
Exploring Interest-Sensitive Whole Life
Introduction to Indexed Life
Introduction to Indexed Life
Introduction to Indexed Life
Term Life Insurance
Term Life Insurance
Differentiating Level Term Life
Differentiating Level Term Life
Differentiating Level Term Life
Understanding Decreasing Term Life
Understanding Decreasing Term Life
Understanding Decreasing Term Life
Exploring Return of Premium Term Life
Exploring Return of Premium Term Life
Exploring Return of Premium Term Life
Analyzing Annually Renewable Term Life
Analyzing Annually Renewable Term Life
Analyzing Annually Renewable Term Life
Special Features of Renewable Term Life
Special Features of Renewable Term Life
Special Features of Renewable Term Life
Convertible Term Life Options
Convertible Term Life Options
Convertible Term Life Options
Annuities Overview
Annuities Overview
Single and Flexible Premium Annuities
Single and Flexible Premium Annuities
Single and Flexible Premium Annuities
Immediate vs. Deferred Annuities
Immediate vs. Deferred Annuities
Immediate vs. Deferred Annuities
Understanding Fixed and Variable Annuities
Understanding Fixed and Variable Annuities
Understanding Fixed and Variable Annuities
Exploring Indexed Annuities
Exploring Indexed Annuities
Exploring Indexed Annuities
Accumulation vs. Annuity Periods
Accumulation vs. Annuity Periods
Accumulation vs. Annuity Periods
Payout Options in Annuities
Payout Options in Annuities
Payout Options in Annuities
Combination plans and variations
Combination plans and variations
Joint Life - First to Die
Joint Life - First to Die
Joint Life - First to Die
Enduring Together: The Survivorship Life Lesson
Enduring Together: The Survivorship Life Lesson
Enduring Together: The Survivorship Life Lesson
Policy Riders, Provisions, Options, and Exclusions
Policy Riders, Provisions, Options, and Exclusions
Policy Riders
Policy Riders
Waiver of premium and waiver of monthly deduction
Waiver of premium and waiver of monthly deduction
Waiver of premium and waiver of monthly deduction
Guaranteed insurability
Guaranteed insurability
Guaranteed insurability
Payor Benefit
Payor Benefit
Payor Benefit
Accidental death and/or accidental death and dismemberment
Accidental death and/or accidental death and dismemberment
Accidental death and/or accidental death and dismemberment
Term riders
Term riders
Term riders
Other insureds
Other insureds
Other insureds
Long term care
Long term care
Long term care
Return of premium
Return of premium
Return of premium
Disability
Disability
Disability
Cost of Living
Cost of Living
Cost of Living
Policy provisions and options
Policy provisions and options
Entire contract
Entire contract
Entire contract
Insuring clause
Insuring clause
Insuring clause
Free look
Free look
Free look
Consideration
Consideration
Consideration
Owner’s rights
Owner’s rights
Owner’s rights
Beneficiary designations: Primary and contingent
Beneficiary designations: Primary and contingent
Beneficiary designations: Primary and contingent
Beneficiary designations: Revocable and irrevocable
Beneficiary designations: Revocable and irrevocable
Beneficiary designations: Revocable and irrevocable
Beneficiary designations: Common disaster
Beneficiary designations: Common disaster
Beneficiary designations: Common disaster
Beneficiary designations: Minor beneficiaries
Beneficiary designations: Minor beneficiaries
Beneficiary designations: Minor beneficiaries
Beneficiary designations: Designation by class
Beneficiary designations: Designation by class
Beneficiary designations: Designation by class
Premium Payment (Modes, Grace Period, Automatic Premium Loan, Level or Flexible)
Premium Payment (Modes, Grace Period, Automatic Premium Loan, Level or Flexible)
Premium Payment (Modes, Grace Period, Automatic Premium Loan, Level or Flexible)
Reinstatement
Reinstatement
Reinstatement
Policy loans, withdrawals, partial surrenders
Policy loans, withdrawals, partial surrenders
Policy loans, withdrawals, partial surrenders
Non-forfeiture options
Non-forfeiture options
Non-forfeiture options
Dividends and dividend options (eg. participating, nonparticipating)
Dividends and dividend options (eg. participating, nonparticipating)
Dividends and dividend options (eg. participating, nonparticipating)
Incontestability
Incontestability
Incontestability
Assignments
Assignments
Assignments
Suicide
Suicide
Suicide
Misstatement of age and gender
Misstatement of age and gender
Misstatement of age and gender
Settlement options
Settlement options
Settlement options
Accelerated death benefits
Accelerated death benefits
Accelerated death benefits
Policy Exclusions
Policy Exclusions
War
War
War
Aviation
Aviation
Aviation
Dangerous Occupation
Dangerous Occupation
Dangerous Occupation
Completing the Application, Underwriting, and Delivering the Policies
Completing the Application, Underwriting, and Delivering the Policies
Completing the application
Completing the application
Signatures and Requirements
Signatures and Requirements
Signatures and Requirements
Changes in the application
Changes in the application
Changes in the application
Consequences of incomplete applications
Consequences of incomplete applications
Consequences of incomplete applications
Warranties and representations
Warranties and representations
Warranties and representations
Collecting the initial premium and issuing the receipt
Collecting the initial premium and issuing the receipt
Collecting the initial premium and issuing the receipt
Replacement
Replacement
Replacement
Disclosures at point of sale (e.g., HIPAA, HIV consent)
Disclosures at point of sale (e.g., HIPAA, HIV consent)
Disclosures at point of sale (e.g., HIPAA, HIV consent)
USA PATRIOT Act/anti-money laundering
USA PATRIOT Act/anti-money laundering
USA PATRIOT Act/anti-money laundering
Gramm-Leach-Bliley Act (GLBA) Privacy
Gramm-Leach-Bliley Act (GLBA) Privacy
Gramm-Leach-Bliley Act (GLBA) Privacy
Underwriting Process
Underwriting Process
Insurable interest
Insurable interest
Insurable interest
Medical information and consumer reports
Medical information and consumer reports
Medical information and consumer reports
Fair Credit Reporting Act
Fair Credit Reporting Act
Fair Credit Reporting Act
Risk classification
Risk classification
Risk classification
Stranger/Investor-owned life insurance (STOLI/IOLI)
Stranger/Investor-owned life insurance (STOLI/IOLI)
Stranger/Investor-owned life insurance (STOLI/IOLI)
Policy Delivery
Policy Delivery
Coverage Commencement
Coverage Commencement
Coverage Commencement
Explaining the policy and its provisions, riders, exclusions, and ratings to the client
Explaining the policy and its provisions, riders, exclusions, and ratings to the client
Explaining the policy and its provisions, riders, exclusions, and ratings to the client
Insurance Contract Law
Insurance Contract Law
Elements of a contract (Consideration, Offer and Acceptance, Competent parties, Legal purpose)
Elements of a contract (Consideration, Offer and Acceptance, Competent parties, Legal purpose)
Elements of a contract (Consideration, Offer and Acceptance, Competent parties, Legal purpose)
Unique aspects of the insurance contract (Conditional, Unilateral, Adhesion, Aleatory)
Unique aspects of the insurance contract (Conditional, Unilateral, Adhesion, Aleatory)
Unique aspects of the insurance contract (Conditional, Unilateral, Adhesion, Aleatory)
Retirement and Insurance Concepts
Retirement and Insurance Concepts
Third-Party Ownership
Third-Party Ownership
Understanding Third-Party Ownership in Insurance
Understanding Third-Party Ownership in Insurance
Understanding Third-Party Ownership in Insurance
Life Settlements
Life Settlements
Exploring Life Settlements in Insurance
Exploring Life Settlements in Insurance
Exploring Life Settlements in Insurance
Group Life Insurance
Group Life Insurance
Conversion privilege
Conversion privilege
Conversion privilege
Contributory vs. noncontributory
Contributory vs. noncontributory
Contributory vs. noncontributory
Retirement Plans
Retirement Plans
Qualified plans
Qualified plans
Qualified plans
Nonqualified plans
Nonqualified plans
Nonqualified plans
Life insurance needs analysis/suitability
Life insurance needs analysis/suitability
Personal insurance needs
Personal insurance needs
Personal insurance needs
Assessing Business Insurance Needs (key person, buy sell)
Assessing Business Insurance Needs (key person, buy sell)
Assessing Business Insurance Needs (key person, buy sell)
Social Security Benefits
Social Security Benefits
Understanding Social Security Benefits
Understanding Social Security Benefits
Understanding Social Security Benefits
Tax treatment of insurance premiums, proceeds, and dividends
Tax treatment of insurance premiums, proceeds, and dividends
Individual life
Individual life
Individual life
Group Life
Group Life
Group Life
Modified Endowment Contracts (MECs)
Modified Endowment Contracts (MECs)
Modified Endowment Contracts (MECs)
Florida Statutes, Rules, and Regulations Pertinent to Life and Annuity Insurance, Including Variable Products
Florida Statutes, Rules, and Regulations Pertinent to Life and Annuity Insurance, Including Variable Products
Marketing Methods and Regulations
Marketing Methods and Regulations
Agent Responsibilities
Agent Responsibilities
Agent Responsibilities
Disclosure - Buyer’s Guide
Disclosure - Buyer’s Guide
Disclosure - Buyer’s Guide
Disclosure - Policy Summary
Disclosure - Policy Summary
Disclosure - Policy Summary
Advertising and Sales Regulations
Advertising and Sales Regulations
Advertising and Sales Regulations
Prohibited Practices and Penalties
Prohibited Practices and Penalties
Prohibited Practices and Penalties
Suitability and Best Interest Standards
Suitability and Best Interest Standards
Suitability and Best Interest Standards
Policy and Contract Replacement Duties
Policy and Contract Replacement Duties
Agent's Responsibilities in Policy Replacement
Agent's Responsibilities in Policy Replacement
Agent's Responsibilities in Policy Replacement
Replacing Insurance Company Duties
Replacing Insurance Company Duties
Replacing Insurance Company Duties
Individual Life Insurance Contracts
Individual Life Insurance Contracts
Standard Provisions and Beneficiary Protection
Standard Provisions and Beneficiary Protection
Standard Provisions and Beneficiary Protection
Prohibited Provisions in Contracts
Prohibited Provisions in Contracts
Prohibited Provisions in Contracts
Free Look Period
Free Look Period
Free Look Period
Grace Period and Policy Lapse
Grace Period and Policy Lapse
Grace Period and Policy Lapse
Designation of Beneficiary and Secondary Addressee
Designation of Beneficiary and Secondary Addressee
Designation of Beneficiary and Secondary Addressee
Non-forfeiture Options
Non-forfeiture Options
Non-forfeiture Options
Policy Settlement Procedures
Policy Settlement Procedures
Policy Settlement Procedures
Group Life Insurance
Group Life Insurance
Standard Provisions and Required Terms
Standard Provisions and Required Terms
Standard Provisions and Required Terms
Conversion Rights in Group Policies
Conversion Rights in Group Policies
Conversion Rights in Group Policies
Eligible Groups and Types of Group Coverage
Eligible Groups and Types of Group Coverage
Eligible Groups and Types of Group Coverage
Dependent Coverage in Group Policies
Dependent Coverage in Group Policies
Dependent Coverage in Group Policies
Employee Life Insurance Benefits
Employee Life Insurance Benefits
Employee Life Insurance Benefits
Assignment of Proceeds in Group Policies
Assignment of Proceeds in Group Policies
Assignment of Proceeds in Group Policies
Florida Statutes, Rules, and Regulations Common to All Lines
Florida Statutes, Rules, and Regulations Common to All Lines
Financial Services Regulation
Financial Services Regulation
Understanding the Chief Financial Officer's Role
Understanding the Chief Financial Officer's Role
Understanding the Chief Financial Officer's Role
Financial Services Commission (Office of Financial Regulation and Office of Insurance Regulation)
Financial Services Commission (Office of Financial Regulation and Office of Insurance Regulation)
Financial Services Commission (Office of Financial Regulation and Office of Insurance Regulation)
Department of Financial Services
Department of Financial Services
General duties and powers: Agent and adjuster licensing and investigations
General duties and powers: Agent and adjuster licensing and investigations
General duties and powers: Agent and adjuster licensing and investigations
General duties and powers: Cconsumer services
General duties and powers: Cconsumer services
General duties and powers: Cconsumer services
General duties and powers: Insurance fraud
General duties and powers: Insurance fraud
General duties and powers: Insurance fraud
General duties and powers: Receivership
General duties and powers: Receivership
General duties and powers: Receivership
General duties and powers: Unclaimed property
General duties and powers: Unclaimed property
General duties and powers: Unclaimed property
Office of Insurance Regulation
Office of Insurance Regulation
General duties and powers: Policy approval authority
General duties and powers: Policy approval authority
General duties and powers: Policy approval authority
General duties and powers: Rates and forms
General duties and powers: Rates and forms
General duties and powers: Rates and forms
Market Conduct Examinations
Market Conduct Examinations
Market Conduct Examinations
Agency Actions
Agency Actions
Agency Actions
Investigation
Investigation
Investigation
Office of Financial Regulation
Office of Financial Regulation
General duties and powers
General duties and powers
General duties and powers
Agency Actions
Agency Actions
Agency Actions
Investigations
Investigations
Investigations
Definitions
Definitions
Insurance contract
Insurance contract
Insurance contract
Insurance Transaction
Insurance Transaction
Insurance Transaction
Insurer
Insurer
Insurer
Reinsurance
Reinsurance
Reinsurance
Domestic Company
Domestic Company
Domestic Company
Foreign Company
Foreign Company
Foreign Company
Alien company
Alien company
Alien company
Fraternals
Fraternals
Fraternals
Authorized and unauthorized companies/admitted and non-admitted companies
Authorized and unauthorized companies/admitted and non-admitted companies
Authorized and unauthorized companies/admitted and non-admitted companies
Stock and mutual companies
Stock and mutual companies
Stock and mutual companies
Unlicensed entities
Unlicensed entities
Unlicensed entities
Certificate of authority
Certificate of authority
Certificate of authority
Licensing
Licensing
Purpose
Purpose
Purpose
License Types (agent, agency)
License Types (agent, agency)
License Types (agent, agency)
Appointments (Company, Unaffiliated)
Appointments (Company, Unaffiliated)
Appointments (Company, Unaffiliated)
License Requirements (Education, Application, Background Check, Examination)
License Requirements (Education, Application, Background Check, Examination)
License Requirements (Education, Application, Background Check, Examination)
Maintaining a license (Continuing education, Communicating with the Department)
Maintaining a license (Continuing education, Communicating with the Department)
Maintaining a license (Continuing education, Communicating with the Department)
Maintaining a license (Record Keeping, Criminal and administrative actions)
Maintaining a license (Record Keeping, Criminal and administrative actions)
Maintaining a license (Record Keeping, Criminal and administrative actions)
Agent responsibilities
Agent responsibilities
Fiduciary capacity (Definition, Premium accountability, Separate account requirements)
Fiduciary capacity (Definition, Premium accountability, Separate account requirements)
Fiduciary capacity (Definition, Premium accountability, Separate account requirements)
Commissions and compensation/ charges for extra services
Commissions and compensation/ charges for extra services
Commissions and compensation/ charges for extra services
Reply to DFS and/or Office of Insurance Regulation
Reply to DFS and/or Office of Insurance Regulation
Reply to DFS and/or Office of Insurance Regulation
Agent responsibilities: Ethics
Agent responsibilities: Ethics
Agent responsibilities: Ethics
Insurance guaranty fund
Insurance guaranty fund
Expanding on Insurance guaranty fund
Expanding on Insurance guaranty fund
Expanding on Insurance guaranty fund
Marketing practices
Marketing practices
Unfair methods of competition (Sliding, Coercion, Misrepresentation, Defamation)
Unfair methods of competition (Sliding, Coercion, Misrepresentation, Defamation)
Unfair methods of competition (Sliding, Coercion, Misrepresentation, Defamation)
Unfair methods of competition (False advertising, Unfair discrimination, Unfair claims practices)
Unfair methods of competition (False advertising, Unfair discrimination, Unfair claims practices)
Unfair methods of competition (False advertising, Unfair discrimination, Unfair claims practices)
Unfair methods of competition (Fraud, Controlled business, Twisting, Churning, Rebating, Concealment)
Unfair methods of competition (Fraud, Controlled business, Twisting, Churning, Rebating, Concealment)
Unfair methods of competition (Fraud, Controlled business, Twisting, Churning, Rebating, Concealment)
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