Louisiana Insurance CE: Concepts of Disability Income Insurance

Louisiana Insurance CE: Concepts of Disability Income Insurance

This Louisiana Department of Insurance approved continuing education course provides in-depth coverage of Disability Income Insurance. Complete this course to earn 11 general CE credit hours (LA course #42773) toward your license renewal while gaining practical knowledge you can apply in your daily practice.

Course Topics

• Disability Risk – Probability of disability, economic impact, and the need for income protection.
• Policy Provisions – Definitions of disability, elimination periods, benefit periods, and renewability.
• Benefit Structures – Benefit amounts, partial and residual benefits, and cost-of-living adjustments.
• Underwriting – Occupational classes, financial underwriting, and medical considerations.
• Group vs Individual – Group LTD/STD plans compared to individual disability policies.
• Business Uses – Key person disability, business overhead expense, and disability buy-out coverage.
• Taxation – Tax treatment of premiums and benefits for individuals and businesses.

What You’ll Learn

After completing this course, you will be able to:

• Assess client disability income needs
• Explain policy definitions and provisions accurately
• Compare group and individual coverage options
• Apply disability products to business planning situations
• Understand the tax treatment of disability coverage

Course Details

• Approval: Louisiana Department of Insurance
• Format: 100% online, self-paced
• Access: 24/7 from any device
• Final Exam: Required for completion
• Certificate: Available immediately upon passing
• Reporting: Completions reported electronically to the state

Who Should Take This Course

This course is designed for Louisiana licensed insurance producers who need continuing education credit for license renewal.