This course enhances the Trust Officer’s value to clients as a credible source of insurance information. Participants will learn about life insurance and annuity products, review related policy issues and fiduciary responsibilities, and explore the uses of these products in serving clients’ financial- and estate-planning needs.

   Audience: Trust Officers who have already achieved a basic level of knowledge and expertise in the trust field.

    Learning Objectives

   At the conclusion of the program participants will be able to:

• Describe the benefits of life insurance and annuities for estate and financial planning needs
• Describe the features and characteristics of the different types of life insurance and annuities
• Guide cost-effective insurance policy and annuity contract selections to meet clients’ preferences, needs, and asset safety concerns
• Assist clients with determining life insurance and income requirements and ensuring coverage adequacy and lifetime income protection
• Advise clients of taxation considerations relevant to their insurance and annuity contracts
• Describe the features and characteristics of hybrid life insurance policies and serve common trust client needs
• Describe special investment features of annuity types
• Manage life insurance and annuity contracts within a trust according to bank policy and fiduciary responsibility
• Identify policy and contract issues that affect clients’ estate and financial planning objectives
• Identify additional uses for life insurance and annuity contracts

Enrollment Form

(Download and print from SER-CFT website, complete and fax to 904-354-1834)

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