1. Course Introduction - Life and Health Pre-licensing
How this course works, exam thresholds, and where to get help.
9 lessons · 20 min
1.Thank You for Choosing ComTrack2 min5 blocks
2.Pass Your Licensing Exam with Confidence3 min8 blocks
3.System Requirements2 min4 blocks
4.Getting Started: ComTrack's Three-Part Training Program4 min9 blocks
5.Completing the Pre-Licensing Course4 min5 blocks
6.Completing the Comprehensive Final (Certification) Exam3 min6 blocks
7.Completing the Exam Simulators2 min4 blocks
8.Additional Study Tips2 min6 blocks
9.Review1 min3 blocks
2. Chapter 1: Basic Principles of Life and Health Insurance
Risk transfer and indemnity, and the many legal forms insurance companies can take.
9 lessons · 165 min
1.Risk, Indemnity, and the Purpose of Insurance20 min18 blocks
2.Classifying Insurance Companies15 min10 blocks
3.Stock and Mutual Insurance Companies20 min14 blocks
4.Fraternal Benefit Societies and Reciprocal Insurers20 min13 blocks
5.Assessment Mutuals, Captives, and Risk-Sharing Groups20 min14 blocks
6.Reinsurance and the Surplus Lines Market20 min15 blocks
7.Service Providers and Industrial Insurance15 min11 blocks
8.Government and Social Insurance Programs20 min11 blocks
9.Chapter 1 QuizQuiz15 min15 blocks
3. Chapter 2: Nature of Insurance
Risk pooling, adverse selection, the law of large numbers, the principle of indemnity, perils, hazards, losses, and the methods insurers and insureds use to handle risk.
7 lessons · 95 min
1.Introduction and Key Terms10 min16 blocks
2.Risk Pooling and Adverse Selection15 min18 blocks
3.The Law of Large Numbers and Indemnity15 min14 blocks
4.Perils, Losses, and Hazards18 min23 blocks
5.Risk and Risk Management18 min27 blocks
6.Chapter Recap9 min17 blocks
7.Chapter QuizQuiz15 min11 blocks
4. Chapter 3: Legal Concepts of Insurance
The four elements of a valid insurance contract, aleatory and adhesion contracts, insurable interest, warranties and representations, void and voidable contracts, waiver and estoppel, the law of agency, and tort law and E&O insurance.
11 lessons · 150 min
1.Introduction and the Four Elements of a Valid Contract15 min47 blocks
2.Aleatory Contracts and Contracts of Adhesion15 min18 blocks
3.Unilateral, Conditional, and Personal Contracts15 min10 blocks
4.Valued vs. Indemnity Contracts and Insurable Interest18 min23 blocks
5.Utmost Good Faith, Warranties, and Concealment18 min22 blocks
6.Void and Voidable Contracts, Cancellation, and Fraud12 min17 blocks
7.Waiver, the Parole Evidence Rule, and Estoppel15 min22 blocks
8.The Law of Agency and Agent Authority15 min27 blocks
9.Subrogation, Tort Law, and E&O Insurance12 min23 blocks
10.Chapter Recap10 min18 blocks
11.Chapter QuizQuiz15 min21 blocks
5. Chapter 4: Life Insurance Policy Types
Term and whole life insurance, nontraditional and universal life products, SEC-regulated variable products, special use policies, and endowments.
12 lessons · 190 min
1.Introduction and General Concepts of Life Insurance15 min28 blocks
2.Temporary (Term) Life Insurance Products20 min22 blocks
3.Renewable and Convertible Term Insurance20 min27 blocks
4.Permanent Life Insurance Basics18 min22 blocks
5.Basic Forms of Whole Life Insurance18 min22 blocks
6.Nontraditional Whole Life Insurance18 min24 blocks
7.Adjustable Life and Universal Life Insurance22 min36 blocks
8.SEC-Regulated Variable Life Products15 min13 blocks
9.Special Use Life Insurance Products18 min20 blocks
10.Endowments, MECs, and Other Life Insurance Products18 min27 blocks
11.Chapter Recap12 min16 blocks
12.Chapter QuizQuiz15 min31 blocks
6. Chapter 5: Life Insurance Policy Provisions, Riders, and Exclusions
Standard policy provisions, owner rights, non-forfeiture options, dividends, riders, and exclusions found in life insurance contracts.
9 lessons · 155 min
1.Introduction and General Policy Provisions15 min47 blocks
2.Incontestability, Misstatement of Age, and Owner's Rights18 min37 blocks
3.Free-Look, Grace Period, and Reinstatement Provisions15 min41 blocks
4.Non-Forfeiture Options and Policy Proceeds Provisions18 min47 blocks
5.Policy Dividends and Dividend Options15 min29 blocks
6.Waiver of Premium and Accidental Death Riders15 min40 blocks
7.Additional Riders and Policy Exclusions18 min60 blocks