HS 323 Audio: Individual Life Insurance (2015) episodes:

• March 26, 201516-03-Explain how the yearly renewable term, coinsurance, and modified coinsurance plans of proportional reinsurance work;

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• March 26, 201516-06-Describe and explain the eff ects of the provisions commonly found in reinsurance agreements

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• March 26, 201517-02-Understand the Professional Practice Guideline and the Life Insurance Illustration Questionnaire, and explain the difference between them.

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• March 26, 201517-01-Describe the importance of interest adjustments to amounts from different years in policy illustrations.

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• March 26, 201515-03-Identify the various methods life insurers use to deal with substandard risks, explain how each method works, describe the types of risks for which each method is appropriate, and explain what eff ect, if any

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• March 26, 201516-05-Explain the differences between facultative and automatic reinsurance agreements.-HS323

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• March 26, 201516-02-List and explain the various reasons why life insurance companies use reinsurance.

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• March 26, 201516-01-Explain what reinsurance is and identify the parties to a reinsurance agreement.

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• March 26, 201516-04-Explain how stop-loss, catastrophe, and spread-loss plans of nonproportional reinsurance work.

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• March 26, 201515-04-Explain the reasons (both theoretical and practical) for and against removing the substandard rating when a person a company has classified as a substandard risk is subsequently found to be a standard risk by another life insurance company.

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