Licensed insurance professionals need to periodically earn continuing education credits in order to maintain their professional status. These days there are choices that one can make in regards to how this is accomplished.
Just a few years ago, there were very few choices other than physically attending classes and taking written exams to obtain the appropriate credits with which to retain your professional status. Within the last decade, online training vendors have appeared and are widely accepted because of the benefits that they can offer the busy professional. These benefits include lower costs of training and flexibility of learning. Since most people own and know how to use a computer, being able to learn at ones own pace without taking time off from work is a huge advantage over traditional classroom training.
There are numerous vendors offering online insurance CE credits and courses. Using a search engine, you can find a half-dozen of them or more very quickly. But it’s difficult to gauge from their websites which one offers the program that would best meet your needs. Certainly, the price of the course is one key differentiator, but buying the lowest cost course is not always the best option. Moreover, some vendors add hidden charges and fees that are only revealed toward the end of the sales process, or even at the time when the courses are being taken.
To help simplify the process of selecting an online insurance continuing education program, below are some questions that each agent or adjuster should ask before selecting a vendor.
Online learning can be delivered in several different ways. You should investigate what formats are being offered through each of the providers. If the presentation is in a simple text format, it may be difficult to follow and stay focused on the material. Try to take an online demo so that you can get a feel for how each presentation will be delivered. If you find that you cant follow the course material well, it is highly likely that you will have problems with the other classes that are offered as well.
Are the courses presented as a series of slides? If so, can individual slides or groups of slides be printed? Do some of the slides include illustrations or diagrams? These kinds of features add interest and aid in understanding the material.
Do the courses support audio? Different people learn different things in different ways. Some people are visual learners and need to see examples, pictures, and bulleted text. Others tend to learn primarily through audio presentations. Most people use a combination of visual and auditory cues to assimilate knowledge. Some vendors provide audio with every slide in a course. This is very advantageous, especially if the audio can be downloaded in MP3 format or to an iPod, which allows the student to listen while driving, for example. This can be a real timesaver.
Are the courses broken down in to modules or chapters? There is a reason why books are segmented into chapters, or by lessons. Human beings retain information better if similar ideas are grouped together and assimilated piece by piece. Do the lessons have practice questions for review? This helps to reinforce the lessons while they are still fresh in a students mind, giving an immediate perspective on how well certain aspects of the lesson have been learned, and what may need to be reviewed again
When searching for an education provider, you should determine the total cost of earning your insurance CE credits. Some online providers charge an additional fee for the exam or for retakes if you do not pass on the first attempt. Others will allow you to use the course materials for an unlimited time and will allow test retakes at no extra cost to you. Try to find the vendor that maximizes your value, and not the profits of the vendor.
Another factor to consider is the cost of filing your insurance CE credits with the state insurance department. Is this included in the cost of your course? Many states allow for the course provider to report the credits but often a fee is charged for this service. Other vendors will include this fee in the cost of the course, for some it is a hidden charge that you don’t find out about until you have already purchased your course materials.
Many states require insurance CE credits be completed on a periodic basis, typically every two years. Some vendors provide a means for the students to check on the status of their credits and be able to track them over time. You should inquire as to whether the vendor you are interested in using has an online interface whereby you can view your certifications and print a report on the credits achieved and when they were submitted to the state insurance division. This can be helpful, especially if you change employers during your career.
Once you have decided to choose an online vendor for your training needs, the outline presented should help you to make a well educated choice in helping you obtain your insurance CE credits.
Bruce MacMillian is the President and CEO of CEU.com. CEU offers multimedia-rich online courses to help licensed insurance professionals maintain their online insurance continuing education credits requirements.
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