HS 311 Video: Fundamentals of Insurance Planning

A look at the various types of medical expense coverage available in the individual marketplace.

The federal income tax rules that apply to individual medical expense insurance

Topics covered in this video include: the nature of limited-benefit medical expense plans, health savings accounts, and the premium and renewability provisions found in medical expense contracts.

How the market has evolved to make it easier for unhealthy individuals to obtain medical expense insurance and a look at the key provisions of the Affordable Care Act.

This video includes a discussion of conversion privilege and group-to-individual portability.

This video explains COBRA and the various other alternatives for continuing employer-provided medical expense coverage.

This video describes the coverages provided by the standard homeowners policy forms (HO-2, HO-4, HO-5, HO-6, and HO-8), and dicusses the definitions, coverages, and exclusions contained in Sections I and II of the HO-3.

Topics covered in this video include: contractual liability, tort, strict liability, and negligence.

This video continues the discussion of property insurance coverage, explains the coinsurance provision, and introduces Liability insurance concepts.

The tax treatment of property and liability insurance premiums and loss settlements for individuals and businesses, and why there is a need for property and liability insurance planning