Welcome to the Broker Educational Sales & Training, Inc. (BEST) correspondence/selfstudy website. Review our course selection below along with descriptions.

When ready to order call 800-345-5669 and ask to speak with a correspondence/self-study representative.

With state insurance requirements we can not offer state insurance credit with all courses. Ask your representative for further information.

 


Course:   Description:   Credits
Advisors Guide to Medicare and Medicaid
  Advisors Guide to Medicare and Medicaid provides a detailed study of Medicare, Medigap policies, and Medicaid. In each of these programs, the areas of eligibility, enrollment, benefits, deductibles, and co-payments are analyzed in great detail. This course also includes a chapter on Medicaid Planning discussing the issue of transferring assets during the “crisis stage,” use of Trusts, qualifying Medicaid Annuities and Promissory Notes. The new 2010 Medicare supplement plans are explained in detail as is how the Patient Protection and Affordable Care Act of 2010 affect Medicare and Medicaid.
  5
Estate Planning
  There is a widespread misconception that "estate planning" is of importance only to the wealthy. This is due, in part, to the emphasis of the financial service industry on planning for estate taxes, which only concern larger estate owners. The truth of the matter is, every person, young or old, who has a family or owns property, needs an estate plan. A good estate plan will allow a person to reach desired economic, legal, and personal objectives. Estate Planning is an educational tool to help financial advisors through the maze of programs, rules and regulations that affect many if not all of their clients, their spouses and dependents. The course is broken down into four sections. The first section will cover the basics, i.e. why planning is essential, and the fundamental elements; Property; Probate; Wills; as well as planning for Incapacitation. The second section continues by discussing estate taxation and analysis. The third section will review trust planning; introducing the various trusts available. Section four focuses on advanced strategies: GRATS, IDGTs, FLPs, Assets, U.S. Citizens, Resident Aliens, and Charitable Giving.
  5 and 10
5 = 50 question, 10 = 100 question exam
Florida 5 Hour Law and Ethics Update for 214 and 215 licensees
  Insurance is a highly regulated industry. It is regulated to protect the public interest and to make sure insurance is available on an equitable basis. This course will review the regulation of the industry from several perspectives and divided among a number of authorities. Topics covered include the licensing and oversight of insurance producers and insurers which protect the consumer and allow the Department to maintain standards of uniformity of new Florida insurance laws and updates. In addition, the course will review the federal laws relevant to Florida licensed insurance professionals.
  2.5
Guide to Retirement Planning Strategies
  This course has been developed to give the advisor (licensed agent) a complete guide in the retirement planning strategy process. The course will focus on the five step retirement planning process and examine the various risk factors needed to be considered when developing a retirement plan for your client. It will examine the various sources of retirement income based on the three-legged stool (Social Security, Employer Sponsored Retirement Plans, Savings and IRAs) and introduce a fourth leg to the stool consisting of insurance products and working in retirement. Also addressed is the complex topic of retirement plan distributions and the many rules and regulations that surround this issue. Finally, the course addresses the subject of health care and long-term care planning in retirement with a discussion of Health Savings Accounts, Medicare, and LTC Planning with the use of LTCI and Hybrid LTCI policies as well as the use of reverse mortgages.
  5 and 10
5 = 50 question, 10 = 100 question exam
Retirement Income Strategies
  This course is an exhaustive examination of the various retirement income strategies that can be used to assist clients in meeting their goal of maintaining their lifestyles in a retirement that may exceed 30-40 years. This course will analyze the various retirement income tools, various retirement income strategies: Systematic withdrawal plans (SWP); and bucket (time segmentation) strategies, the role of Social Security, as well as the benefits of using income annuities and life insurance. In addition, the course will also examine the importance of planning for long term care using either LTC insurance and/or hybrid LTC policies.
  5 and 10
5 = 50 question, 10 = 100 question exam
Retirement Plans for Small Businesses
  Small businesses constitute an essential element of the U.S. economy. Approximately 30 million small businesses operate in the United States, making up the vast majority of employer firms in the country. Collectively, these small businesses employ nearly 80 million workers or approximately half of all private sector employees. This course is designed to review and clarify the diverse business structures and the benefit plans available to each. For decades, the tax law has included special rules to provide various benefits or incentives to small businesses or to exclude them from a burdensome rule. Yet, the federal tax law has no single, uniform definition of small business. Instead, as recently illustrated by the Small Business Jobs Act of 2010, such businesses may be defined based on gross receipts, assets, capital, entity type, number of shareholders or amount of some outlay, such as start-up expenditures. Even with the same base, such as gross receipts, small is defined with varying dollar amounts.
  5 and 10
5 = 50 question, 10 = 100 question exam
The Advisors Guide to 401(k) Plans
  This course has been developed to enhance the Advisors 401(k) knowledge and provide updates on the most recent 401(k) plan guidance. With recent tax law changes, Department of Labor requirements and court settlements, this course extends beyond the basics to cover special 401(k) testing rules and design options, as well as, ERISA and fiduciary responsibilities of the "parties of interest".
  5
The Advisors Guide to Annuities and Ethical Practices
  This course has been developed to give the financial and insurance professional a complete guide to understanding annuities, annuity tax laws and contract structure, and their suitability and ethical marketing practices.
  5 and 10
5 = 50 question, 10 = 100 question exam
The Advisors Guide to IRAs
  This is a continuing education course that covers all aspects of Individual Retirement Accounts. The course is designed to help the financial advisor or insurance professional benefit the client with more in-depth information concerning the history and specific types of IRAs; investing; protections; estate planning; and, education.
  5 and 10
5 = 50 question, 10 = 100 question exam
The Advisors Guide to Disability Insurance
  Disability insurance, often called DI or disability income insurance, is a form of insurance that insures the beneficiary's most important asset - against the risk that a disability creates a barrier for a worker to complete the core functions of their work. In this book, we will examine what disability income (DI) insurance is and the various reasons why it is needed. It also describes the financial problems that DI insurance attempts to solve and explains how it has developed over the years. Finally, the book discusses how important DI insurance is to our society today.
  5
The Advisors Guide to Social Insurance Programs
  The Advisors Guide to Social Insurance Programs is an educational tool to help advisors through the maze of programs, rules and regulations that affect many if not all of their aging Baby Boomer clients, their spouses and dependents. The course is broken down into three sections to give the advisor an understanding of the various benefits of the Social Security, Medicare and Medicaid programs.
  5 and 10
5 = 50 question, 10 = 100 question exam
The Advisors Guide to Social Security Benefits
  The Advisor's Guide to Social Security Benefits has been written primarily for financial and insurance advisors to increase their knowledge and comfort zone to be able to assist their clients in navigating the often-complex world of Social Security Benefits. While the rules governing Social Security are complex, this study material will equip the advisor with the information and heuristics to make the most of Social Security benefits. Although there is never just one right answer for the questions client may ask about Social Security, it is important to understand the options available in each client's case.
  5
Understanding Social Security, Medicare and Government Benefits
  Understanding Social Security, Medicare, and Government Benefits is an educational tool to help financial advisors through the maze of programs, rules and regulations that affect many if not all of their aging Baby Boomer clients, their spouses and dependents. The course is broken down into three sections. The first section is to give the financial advisor an understanding of the various benefits of the Social Security program by examining the history of Social Security and the various Social Security programs. The section will continue by discussing how workers, spouses and dependents qualify, how benefits are calculated, when to apply, and how to maximize benefits. The second section will explain Medicare and its various programs, Part A, Part B, Part C (Advantage Plans), Part D and a review of Medicare (Medigap) Supplement policies. The third section will review the Government Benefits and review both Federal Government benefit programs as well as Veterans Benefit programs.
  5 and 10
5 = 50 question, 10 = 100 question exam