New Insurance Classroom CE Seminar Approved

Our newest insurance classroom insurance CE seminar was approved this week for 4 hours in the state of Montana. P&C: 4 Important Pieces touches on four specific topics that are essential to both personal lines and commercial lines producers:

  • Bonds and suretyship
  • Crime and fidelity insurance
  • Inland marine coverages
  • Renting cars

The debut presentation of this course will be held in Kalispell on September 23, 2016 beginning at 8:30 a.m. For more information, visit our FloodCo CE page.

Two New Classroom CE Courses Approved

We are happy to report that the Montana Insurance Continuing Education Program just approved two new classroom insurance CE courses:

P&C Smorgasbord was approved for 8 hours of credit and contains eight, 1-hour topics:

  • Renting Cars
  • Bonds
  • Identity Theft
  • Terrorism Insurance
  • Inland Marine Coverages
  • Reinsurance
  • Surplus Lines
  • Cyber Security

Life and Health Smorgasbord was approved for 4 hours of credit and contains three topics:

  • Anti-money laundering (1 hour)
  • Medicare (2 hours)
  • Affordable Care Act (1 hour)

Both courses will be presented in Missoula during the week of September 18, 2016. For more information about pricing and registration, click here.

Our June Newsletter is Now Available

Here’s a link to our June Newsletter, which contains the latest news about our insurance continuing education course curriculum: http://us2.campaign-archive1.com/?u=153f99e08d4b5ee668e796186&id=110531a4bd

We will be visiting Missoula in September, where Linda will present 24 hours of classroom CE at the Staybridge Suites on the north side of town. For more information about these events, including pricing and discounts, click here.

Our hottest webinar at the moment seems to be the 1-hour Renting Cars, which explains the issues that arise when an individual or business rents a car and then expects the personal or business auto policy to extend coverage. Unfortunately, this doesn’t always go as smoothly as expected because a number of conflicts exist between the car rental agreement and the insurance contract.

March Newsletter and Insurance CE Schedule

Our March newsletter was published online today, along with our upcoming insurance CE schedule. For those of you who are unaware, in addition to offering our insurance CE webinars in Montana we now offer them in the state of Oregon. We are also presenting our CE webinar courses in-house so, if you’d like your agency/company staff to attend the same webinar–either one we are already offering or one we design especially for you, contact Linda directly for more information.

More New Webinars in Montana and Oregon

We just received approval six new insurance CE webinars in Montana and Oregon–check out our updated Webinar Schedule!

  • Cyber Security (approved for 3 hours in MT and OR)
  • Insurance Fraud, Part 1 (approved for 2 hours in MT)
  • Insurance Fraud, Part 2 (approved for 2 hours in MT)
  • Liability Insurance (approved for 3 hours in MT)
  • Renting Cars (approved for 1 hour in MT and OR)
  • Insuring Mother Nature (approved for 3 hours in MT and OR)

Webinars in December:

  • 2015 Montana Insurance Legislative Updates (new!)
  • Ethical Dilemmas (new!)

Webinars in January:

  • Renting Cars (new!)
  • Cyber Security (new!)
  • 2015 Montana Insurance Legislative Updates

Webinars in February:

  • Ethics and E&O: A Professional Relationship
  • Liability Insurance (new!)
  • Flood Insurance Training Course (meets FEMA requirements)
Thanks, FloodCo and Montana Logging Association!

Thanks, FloodCo and Montana Logging Association!

We had TERRIFIC insurance continuing education classroom seminars in Bigfork and Kalispell last week, thanks to the folks at FloodCo of Whitefish and the Montana Logging Association in Kalispell.

Marina Cay Classroom framedLloy Griffing of FloodCo hosted three insurance CE seminars at the Marina Cay Resort in Bigfork on Monday, October 5th. Despite the dry subjects (Montana law, ethics, and cyber security), we had a terrific time and are looking forward to returning to the area in the spring for another FloodCo-sponsored event.

We spent the day on Tuesday, October 6 with Coleen, Erica, and John at the Montana Logging Association. These wonderful people were kind enough to host the day’s two Marina Cay view framedseminars: Insuring Mother Nature and Insurance Fraud.

We appreciate our clients, as well. If it weren’t for their enthusiastic invitations to return to Montana, and their faithful attendance at our classroom seminars, we wouldn’t be able to have this much fun … this often … in Montana.

3 Brand New Insurance CE Webinars Approved in Montana

We are happy to announce that we received approval from the Montana Insurance Continuing Education Program for three brand new webinars:

2015 Montana Insurance Legislative Updates is approved for 1 hour of CE and addresses some of the insurance changes addressed during the 2015 regular legislative session. This webinar will be offered in 2015 on October 20 and December 19. 2016 dates will be announced sometime in October. This seminar meets the requirements of the legislative changes course.

Ethical Dilemmas is approved for 3 hours of CE and helps students achieve a better understanding of the ethical dilemmas they routinely face concerning service issues, privacy and confidentiality, and understanding issues related to the insurance application. This webinar will be offered in 2015 on October 14 and December 15. 2016 dates will be announced sometime in October.

Insuring Mother Nature is approved for 3 hours of CE. Mother Nature tends to surprise us with a variety of weather events. In this course, we help students become familiar with P&C underwriting risks and how they relate to certain catastrophe risks, acquire a basic understanding about why the purchase of separate flood insurance is so important, understand the earth movement exclusion (and coverage) and how it pertains to more than just earthquakes. This webinar will be offered in 2015 on November 17. 2016 dates will be announced sometime in October.

Register for Classroom Insurance CE in Montana, October 5 & 6

We are holding two days of insurance classroom seminars in Montana on October 5 and 6, offering a total of 14 hours of approved insurance continuing education credit.

October 5, Bigfork (sponsored by FloodCo)

8 to 9 a.m. – 2015 Montana Insurance Legislative Updates (1 hour of CE) -BRAND NEW course

9:15 a.m. to 12:15 p.m. – Ethical Dilemmas (3 hours of CE) – BRAND NEW course

12:15 to 1:15 p.m. – lunch (included)

1:15 to 4:15 p.m. – Cyber Security (3 hours of CE) – 2nd presentation; 1st presentation was in Missoula in June

 

Seating is limited and registration is being handled by Lloy Griffing at FloodCo. You may contact Lloy by phone at 406-270-0799 or by email at Lloy@FloodCo.net. Location: Marina Cay conference room.

 

October 6, Kalispell

8 to 11 a.m. – Insuring Mother Nature (3 hours of CE) – BRAND NEW course

12 to 4 p.m. – Insurance Fraud (4 hours of CE)

 

Seating is limited. A $10 late registration fee applies, per seminar, only for the October 6th events for registrations received after 9/29. Location: Montana Logging Association, 2224 Highway 35.

3 New Classroom Insurance Continuing Education Courses Approved in Montana

We just received approval for three new insurance continuing education classroom seminars in Montana:

  • 2015 Montana Insurance Legislative Updates was approved for 1 hour of CE
  • Ethical Dilemmas was approved for 3 hours of CE
  • Insuring Mother Nature was approved for 3 hours of CE

The ethics and legislative changes courses will be presented for the first time at our FloodCo sponsored event in Bigfork, Montana on Monday, October 5th. Insuring Mother Nature will be presented for the first time in Kalispell on October 6.

For more information, or to register for these classroom seminars, click the following links in the red linkbar appearing at the top of the page: CE Course Dates, Insurance Courses, and/or FloodCo Sponsored Insurance CE in Montana.

October Insurance CE Seminar Schedule/Montana

We will be in the Kalispell area on October 5 and 6 offering five insurance CE seminars, all of which are brand new.

Our October 5th event is sponsored by FloodCo and we are in the process of negotiating the venue, which will probably be in Bigfork. Registration and inquiries for the event should be directed to Lloy Griffing. He can be reached by email or phone at Lloy@FloodCo.net or 406-270-0799.

  • 8 to 9 a.m. – new 2015 legislative updates course, submitted for approval for 1 CE
  • 9:15 a.m. to 12:15 p.m. – new ethics course, submitted for approval for 3 CEs
  • 1:15 to 4:15 p.m. – Cyber Security – approved for 3 CEs

Our October 6th event will be held at the offices of the Montana Logging Association:

  • 8 to 11 a.m. – new course, Insuring Mother Nature, submitted for approval for 3 CEs
  • 12 to 4 p.m. – new course, to be announced, to be submitted for approval for 4 CEs

To see our entire curriculum of insurance CE seminars, our CE webinars, or our 2015 CE course dates, visit our website.

Insurance CE Webinar Schedule through December

Now that the summer webinar hiatus is nearing an end, we’ve posted our insurance CE webinar schedule online for the remainder of the year.

Our September lineup includes:

To see all our insurance CE course dates for the remainder of 2015, including classroom seminars in Bigfork and Kalispell, Montana on October 5 and 6, visit our website’s CE Course Dates page.

MT Classroom CE Sponsored by FloodCo in June 2015

FloodCo, LLC is partnering with us by sponsoring a day of insurance CE in Kalispell on Wednesday, June 10, 2015:

  • 9 a.m. – 12 p.m., Ethics and E&O: A Professional Relationship – approved for 3 hours of CE
  • 12 – 1 p.m., break for lunch, which is included
  • 1 – 4 p.m., Flood Insurance – approved for 3 hours of CE; meets FEMA training requirements

Seminars to be held in the Community Room at Snappy’s Sports Senter in Kalispell.

For more information, or to register, contact Lloy Griffing at FloodCo:

2 New Montana Insurance CE Courses Approved

We’re happy to report that the Montana Insurance Continuing Education Program has approved two more classroom CE courses in our curriculum:

Both classroom seminars will be presented in Missoula in June (on the 8th and 9th) and in Kalispell in September (on the 29th and 30th).

We expect to e submitting a Cyber Security webinar during the month of May, as well as several other new webinars and seminars in the coming months.

February Newsletter and Calendar Dates Available

Our February newsletter, which contains our CE schedule for the month of February, was published today. To view the newsletter online, click this link. If you would like us to email you a copy of the newsletter, send us an email at CE@faulknereducation.com with “send newsletter” in the subject line.

We are in the process of finalizing our Montana classroom seminar dates and will get our complete 2015 calendar up on the website soon.

We will be in Great Falls on June 11th to present two 4-hour insurance CE seminars at the annual convention of the Montana Association of Mutual Insurance Companies (MAMIC). We also expect to be in the Kalispell/Whitefish area earlier that same week. We will be in Missoula and Kalispell sometime during the last 10 days of September and the first week of October.

2 New Insurance CE Webinars Approved in Montana

We’re happy to announce that the Montana Insurance Continuing Education Program has approved two new webinars, which we’ve added to our curriculum:

  • Insurance Claims … and Fraud has been approved for 3 hours CE credit and addresses the following topics:
    • Unauthorized insurance entities
    • Unfair insurance trade practices
    • Claims and fraud pertaining to disasters and the following types of insurance claims: property, liability, auto, and WC
    • Tips for detecting and preventing insurance fraud
  • Personal Lines Coverage Issues has been approved for 3 hours of CE credit and addresses the following topics:
    • Who is insured on various PL policies
    • Coverage gaps in the HO and auto policies for certain types of recreational vehicles
    • PL insurance policies available to insure recreational vehicles
    • Property exposures best insured in inland marine floaters and policies

Our first presentations of these webinars will be held on the following dates – times shown are EASTERN time:

  • Insurance Claims … and Fraud – October 29 at 11 a.m. EASTERN time
  • Personal Lines Coverage Issues – December 11 at 2 p.m. EASTERN time

5 More Insurance CE Courses Approved

We’ve have 5 more insurance CE courses approved in Montana: three classroom seminars and two webinars:

  • The three 4-hour classroom seminars will be presented in both Missoula and Kalispell during the week of September 22:
    • 4 Must-Have Commercial Lines Coverages
    • Personal Lines Coverage Issues
    • Insurance Claims … and Fraud
  • We will begin presenting the two 2-hour webinars in late June or early July:
    • 4 Must-Have Commercial Lines Coverages – Part 1
    • 4 Must-Have Commercial Lines Coverages – Part 2

We will be submitting the webinars to the state of Oregon later this month and will be submitting additional webinars in both Montana and Oregon next month.

We’ll have more details on our website  sometime next week, well as in our monthly newsletter. Click here to subscribe to our monthly insurance CE newsletter.

 

THE GUILLOTINE CHOICE by Michael J. Malone

THE GUILLOTINE CHOICE by Michael J. Malone

This is a must-read book by the award-winning author of crime novels (the DI Ray McBain series), poetry, and Carnegie’s Call.

Hop on over to the website where I do my fiction stuff for a review and tips about where you can get it in paperback or for your Kindle: http://lindamchenry.com/2014/05/book-review-the-guillotine-choice-by-michael-j-malone/

 

Insurance CE webinars approved in Oregon!

We’re happy to announce that three of our insurance continuing education webinars have been approved for producer CE credit in the state of Oregon:

  • Ethics and E&O: A Professional Relationship is approved for 3 hours
  • Flood Insurance Training Course is approved for 3 hours
  • Understanding Insurance Fraud is approved for 4 hours

As we submit additional webinars to Montana for approval, we will also submit them to Oregon.

For more information, visit our Insurance CE Webinars or Shop pages.

Montana Legislative Changes and Ethics CE Courses Approved

Our five most recent submissions to the Montana Department of Insurance were approved for CE credit for producers and adjusters:

Our webinar and classroom seminars do NOT require an exam to earn CE credit. They’re interactive and fun … considering all we do is talk about insurance!

Our self-study courses require the student to complete and pass a monitored exam. They’re not as much fun as our webinars and seminars, but they’re easy to read and understand and our exams don’t include any “tricky” questions.

Free informational webinar about our 2014 CE offerings

Join us for a free webinar about our 2014 insurance CE and training curriculum. During this webinar, we will:

  • Introduce you to our webinar format
  • Discuss our upcoming 2014 insurance CE curriculum (classroom seminars, live webinars, and self-study courses)
  • Discuss our upcoming insurance training products that will be available for purchase and download from our website
  • Answer your questions and collect your feedback about the types of courses and products you’d like us to add to our curriculum

The actual webinar presentation will last 20-30 minutes and will be followed by a Q&A session. To register, click here.

 

Book Review: SAFE HOUSE by Chris Ewan

I’d never read any of Ewan’s work before Safe House but that issue is to be remedied … and soon.

Safe House is a complex whodunit that begins when Rob Hale finds himself recovering in the hospital after a motorcycle accident. Problem is, his doctors and the authorities don’t believe him when he insists his passenger was taken away by ambulance before he was rescued.  In fact, only one ambulance was called to the scene–and it transported him to the hospital.

Other complications involve the woman’s resemblance to his sister, who recently committed suicide, and the private detective his mother hired to look into his sister’s death.

Safe House is set on the Isle of Man, where Ewan lives and works as a celebrated crime writer.  The setting is unique but did not overtake the story, which centers around the the motives and hidden agendas of all the characters.  Although the cast is extensive, every single character is clear and sharp, and you can’t help wondering what’s really going on in the minds of each.  The plot is intricate and keeps you guessing until the very end, something I don’t find as often as I used to.

This is a terrific read.

Safe HouseChris Ewan

To be released 10/29/2013 by Minotaur Books

ISBN 978-1-250-03815-9

 

5 Things BUSINESSES Need to Know About ObamaCare

As a follow-up to the blog I wrote earlier in the week (6 Things INDIVIDUALS Need to Know about ObamaCare), hare are 5 things businesses need to know about the Employer Mandate (“employer requirements”) under the the Patient Protection and Affordable Care Act (PPACA–commonly referred to as ObamaCare of the Affordable Care Act [ACA]):

(1)  Only employers defined as “large employers” will be subject to a shared responsibility payment (a tax) if they don’t provide their employees with health insurance.  For purposes of the PPACA, a full time employee works 30 or more hours a week.

  • A large employer is one with more than 50 full-time equivalent employees (FTEs)
  • A full-time equivalent employee is NOT a person – it’s the number of hours a full-time employee works in a calendar year (2,080 hours), i.e., 40 hours x 52 weeks = 2,080
    • If the total number of hours worked by all of employees of a business in a year (including full-time and part-time employee) is 208,000, the employer has 100 full-time equivalent employees
    • It doesn’t matter how many of those hours are worked by full-timers or part-timers

(2) The shared responsibility payment will be imposed on large employers under two circumstances:

  • The employer does NOT provide health insurance approved under the PPACA to its employees AND at least one of those employees purchases coverage through an exchange and receives a premium tax-credit
  • The employer DOES provide health insurance approved under the PPACA to its employees  AND at least one of those employees purchases coverage through an exchange and receives a premium tax-credit

The shared responsibility payment is lower for large employers that DO provide coverage … and it’s calculated differently.

(3) The Employer Mandate has NOT been deferred or postponed.  However, three of its provisions have been delayed.  The IRS published Notice 2013-45 to explain how the delay works and refers to the process as transitional relief.

(4) Small employers are eligible for tax credits if they provide approved health insurance to their employees–and have been receiving them for some time (the PPACA was enacted in March 2010–at which time its provisions began being phased in).  Eligible employers include those:

  • With up to 25 full-time equivalent employees
  • The average annual salary of employees is no more than $50,000
  • The employer pays at least 50% of the employee-only cost of health insurance

Beginning in 2014, the tax credit for eligible small businesses will increase from 35% to 50% (for non-profits, it will increase from 25% to 35%).

(5) Here are some Web links for more information about how the PPACA affects businesses:

You don’t have to be an insurance agent to attend the A.D. Banker webinars I’m presenting on the Affordable Care Act … although you do have to pay for the presentations and CE filing fees. Cost: $27. Click this link for more information about A.D. Banker’s PPACA webinar. Upon arriving at the A.D. Banker website, click on Webinar and choose Health Insurance and the PPACA.

Click this link f you’d like to subscribe to my mailing list to be notified of about other webinars and presentations. I plan to begin presenting informational webinars about insurance to the general public before January. A nominal fee will be charged for these presentation (i.e., $5 – $10)

 

6 Things INDIVIDUALS Need to Know About ObamaCare

You’re hearing all kinds of things about health care reform, commonly referred to as ObamaCare (the Patient Protection and Affordable Care Act [PPACA] or Affordable Care Act [ACA]).  But how much of what you’re hearing is TRUE?  In addition to misinformation being passed around, scammers have been cropping up at an alarming rate.  Here is a list of 6 things you need to know about ObamaCare if you’re an INDIVIDUAL:

(1) Unless you’re exempt under law, if you don’t have federally approved health insurance in place by January 1, 2014, you’ll be subject to a “shared responsibility payment.”  Technically, this payment is NOT a fine or penalty–it’s a tax payable when you file your federal income tax return.  [This provision of the PPACA is referred to as the Individual Mandate.]

(2) If you have insurance in place right now, the following plans meet requirements of “approved” health insurance under the PPACA beginning in 2014:

    • Medicare Part A
    • Medicaid, CHIP
    • TRICARE
    • Federal Employees Health Benefits Program (FEHBP)
    • any government plan
    • any Indian tribal government plan
    • any health plan offered in the individual or group marketplaces

The following plans will NOT be considered “approved” health insurance under the PPACA beginning in 2014:  Medicare and TRICARE supplements, long-term care, disability, dental or vision plans (when issued without health insurance), accident-only, and workers’ compensation.

(3) The shared responsibility payment for individuals is the greater of an established amount per person (a family maximum applies) or a percentage of the family’s household income. For example, in 2014, each adult will be required to pay $95, each child will be required to pay $47.50, the family maximum is $285, and the percentage of family income is 1%.  These figures increase until 2016, after which they’ll be adjusted by annual cost of living increases. In 2016, they’ll be $695 per adult, $347.50 per child, $2,085 family maximum, and 2.5% of family income.

(4) Exempt Americans (those who are not subject to the shared responsibility payment) include:

  • individuals who are NOT required to file an income tax return based on income
  • undocumented immigrants
  • individuals serving time in jail or prison
  • members of an Indian tribe
  • members of a religion that is opposed to receiving health care (meaning the religion AND members are opposed)
  • individuals whose employee-only cost of group health insurance is more than 9.5% of their household incomes

(5) Beginning in 2014, the manner in which health insurance is rated will change.  NO health insurance rates may be based on a person’s health status or medical condition(s)–meaning pre-existing conditions exclusions and limits will no longer be permitted by law. Only four elements may be used when establishing premium rates beginning in 2014:  age, the geographic location of residence, tobacco use, and whether enrollment is for an individual or a family.

(6) Premium tax-credits (i.e., federally approved reductions in the cost of health insurance) will be made available to Americans who buy health insurance from one of the Health Insurance Exchanges IF the following eligibility requirements are met:

    • the individual is not eligible for Medicare, Medicaid, CHIP, TRICARE, employer-sponsored health insurance, a grandfathered plan, and a few other types of coverage (a few exceptions apply)
    • household income must fall between 100% and 400% of the federal poverty level (FPL); in 2013, the FPL for a single individual is $11,490 and for a family of four it’s $23,550

Individuals purchasing insurance directly from an agent, as opposed to through an exchange, are NOT eligible for premium tax credits.

(7) Fraudsters are already capitalizing on consumers’ lack of familiarity with the provisions of the PPACA and people are being defrauded EVERY day as the deadline for compliance approaches. Here are some links for you to learn more about the Affordable Care Act and how to avoid becoming the victim of health insurance fraud as the PPACA rolls out:

P.S. I’m qualified to talk about health insurance because I’ve worked for more than 30 years in the insurance industry as a licensed agent, consultant, instructor, and education provider. In fact, after selling the second of my two insurance agencies in 2011, I began working full-time as a course developer and writer, putting together insurance courses for continuing education and pre-licensing purposes. My clients are insurance companies, professional insurance organizations, and national and regional insurance education providers. I’ve developed and written several continuing education courses on the subject of the PPACA, including a two-hour webinar for A.D. Banker and Company that I present on a monthly basis.

P.P.S.  Check in later in the week to learn about what businesses need to know about ObamaCare.

You don’t have to be an insurance agent to attend the A.D. Banker webinars I’m presenting on the Affordable Care Act … although you do have to pay for the presentations and CE filing fees. Cost: $27. Click this link for more information about A.D. Banker’s PPACA webinar. Upon arriving at the A.D. Banker website, click on Webinar and choose Health Insurance and the PPACA.

Click this link f you’d like to subscribe to my mailing list to be notified of about other webinars and presentations. I plan to begin presenting informational webinars about insurance to the general public before January. A nominal fee will be charged for these presentation (i.e., $5 – $10)

Book Review: LOST by S.J. Bolton

Lost may just be the most suspenseful book I’ve ever read.

Set in London, where a serial killer’s  abducting and killing ten- and eleven-year-old boys, Lost weaves together the emotional stories of a number of people living in same neighborhood. Enter Barney, an 11-year-old who’s searching for his mother … and whose father just happens to have been out on the nights the murdered boys disappeared.  Enter Lacey, Barney’s next door neighbor, a Detective Constable on the London police force who’s  on leave from her job and having a difficult time recovering from a recent job-related trauma.  Enter Lacey’s coworker DI Mark Joesbury–and his 10-year-old son…

As the number of murdered boys mounts, Bolton  delves into the lives of Barney and his friends, who are trying to find the murderer on their own.  And as Lacey struggles to remain autonomous and sane, she can’t help but be drawn back to her job and DI Joesbury.

The rapid pacing, exquisitely depicted characters, and unremitting suspense make this a must-read.

Lost by S.J. Bolton

ISBN 9781250028563

Minotaur Books – released June 6, 2013

Book Review: A TASTE FOR MALICE by Michael J. Malone

A Taste for Malice is the second book in the DI Ray McBain series by Michael J. Malone.  (Blood Tears is the first and the third is scheduled for release in November 2014.)

I came up with a one word description of this book after reading the first chapter and am sticking by it now that I’ve finished the book:  brilliant.

Malone’s characters are real–with all their kindnesses, cruelties, and quirks.  And although this crime novel doesn’t have a single dead body in it, the tension continues ratcheting upward, causing you to hold your breath as you’re sure you know what’s going to happen next … only it doesn’t.

That’s it for me.  I’m going back to my original assessment:  brilliant.  You should be adding this to your summer reading list.  NOW!

Book Blurb:

DI Ray McBain is back at work and on filing duty. Desperate for something to do, a pair of old files intrigue him. In the first a woman pushes her way into a vulnerable family. The children adore her. At first. Then she has some ‘fun’, which soon becomes torture and mental cruelty. Then she disappears. Meanwhile, in Ayrshire, another young family is relieved when a stranger comes into their lives to help them out. McBain makes the link, but nobody is interested in what he has to say. Is it even the same woman?

A Taste for Malice by Michael J. Malone

ISBN:  978-1907869754

Published by Five Leaves Publications