Course catalog

AI, Insurance, and Ethics: Can They Coexist?

Artificial intelligence can help insurance professionals work faster and more efficiently, but can it be used ethically? This course explores the opportunities, risks, and responsibilities associated with AI, helping agents balance innovation with professional judgment, client confidentiality, and consumer protection.

Apples to Apples or Apples and Oranges?

One of the key responsibilities of a health insurance agent is to shop the market and present plan options in an “apples to apples” format so clients can compare benefits and make informed decisions. Clear comparisons are essential because health insurance is complex and often difficult for consumers to understand. Providing the right information in a meaningful way is not just good service—it’s an important consumer protection responsibility. This course examines how agents build plan comparisons and asks an important question: are they truly “apples to apples”? With differences in deductibles, coinsurance, out-of-pocket limits, copays, and provider networks, many plans are fundamentally different. We’ll explore how to present comparisons responsibly and when a deeper analysis is needed to help clients choose the coverage that best fits their needs.

Bad Medicine

Brokers are expected to recommend plans that truly meet their clients’ needs, yet many proposals end up looking very similar to the client’s current coverage. When agents overlook alternative plan designs or fail to explore innovative options offered by carriers, clients may miss opportunities to save money or obtain better protection. This course examines several unique and “out-of-the-box” plan designs available in today’s market and explores why they are sometimes overlooked. We’ll also discuss how the information presented to consumers influences their decisions and how brokers can broaden the range of solutions they bring to the table.

Can AI Help Agents Better Serve Clients?

Artificial Intelligence is rapidly changing how insurance professionals research, communicate, and make recommendations—but with new capabilities come new ethical responsibilities. In this one-hour ethics course, we examine real-world use cases, discuss the risks and guardrails, and answer the question of whether AI can help agents better serve their clients. (Spoiler alert: yes!)

Consumer Choice - Finding the Sweet Spot

As the number of health insurance options grows, many consumers struggle to choose the right plan. Instead of evaluating the features that may matter most—like out-of-pocket limits or provider networks—they often focus on familiar elements such as brand names, copays, or premiums. This course explores how people actually make buying decisions and how brokers can guide clients more effectively by presenting the right number of options and focusing attention on the factors that truly matter.

Next: Mon, Dec 14

Ethics in P&C Insurance: Principles & Dilemmas

Finally, a FUN Ethics Class!

In this fun and interactive two-hour ethics course, attendees will discuss and debate many of the ethical situations insurance agents encounter in their daily work. Topics include enrollment paperwork, agent-of-record letters, non-compete agreements, plan and product recommendations, professional association participation, and more. We’ll also examine how proposed healthcare policy changes can create ethical dilemmas when lawmakers decide which stakeholders benefit – and which do not.

Finding the Best Plan for Your Medicare Clients

In the Medicare world, agents are taught to avoid superlatives like “best”—yet every client still needs the solution that works best for their situation. This one-hour ethics course explores how to balance compliant language with meaningful guidance by evaluating the pros and cons of Medicare Advantage, supplements, and Part D coverage for different client situations. We’ll focus on a needs-based, ethical decision-making process that leads to the right recommendation for each individual.

First, Do No Harm

Errors and omissions coverage exists to protect agents, but avoiding mistakes in the first place is far more important. In this two-hour ethics and consumer-protection course, we examine common ways agents unintentionally misguide clients—whether by providing incorrect information or failing to explain key details clients need to make informed decisions. The course focuses on practical steps agents can take to communicate clearly, document their advice, and ensure clients understand their options so they can purchase the coverage that truly protects them.

Health Care: A Right or a Privilege?

There is significant debate about whether a single-payer or Medicare for All system would work in the United States, but the discussion often focuses on politics rather than the underlying ethical questions. What responsibility does society have to ensure access to healthcare, and what trade-offs are acceptable in pursuing that goal? In this interactive webinar, we examine the ethical arguments both for and against Medicare for All and encourage thoughtful discussion about the principles that should guide healthcare policy.

It's Ethics Time Again

Most insurance agents are required to complete ethics continuing education each license renewal period. This course provides two hours of ethics credit while exploring practical ethical issues agents face in their day-to-day work. Even if you’ve already satisfied your ethics requirement, the discussion is designed to give attendees a few things to think about as they navigate real-world decisions in their professional practice.

It's Not You, It's Them

Some agents believe their job is finished once an employer selects a health plan, but that is really just the beginning. After the plan is chosen, agents play a critical role in helping employees understand why coverage matters and how to use their benefits. This course explores the concept of health literacy and explains why many consumers struggle to navigate the healthcare system. Attendees will learn practical ways to communicate benefits more clearly so employees can make informed decisions and use their coverage properly.

Next: Tue, Dec 15

Medicare Ethics

Insurance agents regularly face ethical dilemmas when the interests of clients, carriers, and the agent do not perfectly align. In the Medicare market, these situations are often complicated by detailed marketing and compliance rules designed to protect beneficiaries. This course examines common ethical challenges in Medicare sales, including compliance paperwork and marketing regulations, and discusses how agents can navigate these situations responsibly while still serving their clients effectively.

One Man's Pain is Another Man's Profit

One of the goals of the Affordable Care Act was to make health coverage more affordable, yet many Americans still struggle to pay for insurance premiums and life-saving medications. As healthcare costs continue to rise, criticism has grown toward insurers, pharmaceutical companies, and others who profit within the system. In this course, we explore the ethical questions surrounding profit in healthcare – examining whether these companies should be praised for providing valuable products and services or criticized for benefiting from people’s medical needs.

Tell em what you want, what you really really want

In this interactive course, insurance advisors share ideas about what they – and their clients – want from their carrier partners. Attendees will discuss plan design, service issues, and other improvements they would like to see from health insurers. Ideas generated in past sessions have been shared with carriers and have even helped influence positive changes in plan design.

The Art and Science of Benefits Consulting

This course is designed to help insurance professionals make more thoughtful, consistent, and ethical client recommendations. We’ll explore the science of structured analysis, the art of professional judgment, the broker’s toolbox, employer and employee education, implementation, ethics, and the growing role of artificial intelligence in benefits consulting. Breaks will be provided between sections. Participants will receive six hours of classroom CE credit, and no final exam is required. This special course is separate from the ComedyCE.com Season Pass and is not included with a Season Pass subscription.

What would you say you do here?

Brokers do a wide range of work for their clients – shopping the market, presenting plan options, making recommendations, educating employees, and assisting with service issues throughout the year. Yet many clients are not fully aware of everything their broker does on their behalf. In this course, we explore the broker’s role, discuss how agents can better communicate their value to clients, and examine how compensation disclosure rules have made that conversation more important than ever. We’ll also consider whether brokers are truly focusing on the activities that create the most value for their clients.

Next: Fri, Dec 11

Why do I need ethics?

Most agents believe they already act in their clients’ best interests—so why is ethics training required every renewal period? This course explores the real purpose of ethics education, the risks agents face in everyday situations, and the difference between compliance and true ethical decision-making. Through practical examples, we’ll look at common gray areas and provide simple frameworks agents can use to navigate conflicts, compensation questions, and client recommendations with confidence.

Why You're on the B List

Insurance agents rely on carrier representatives and underwriters to help get cases issued quickly and at competitive rates, making those relationships extremely valuable. Yet many agents unknowingly do things that frustrate the very people they depend on. This course highlights common mistakes that irritate carrier partners and offers practical tips to help agents communicate more effectively, avoid unnecessary delays, and become a preferred broker with the carriers they work with.

Next: Thu, Nov 19