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Course · AL
Insurance I
Career and Technical Education, Alabama State Department of Education (ALSDE)
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Insurance I is designed to help students develop skills related to property, casualty, life, health, and disability insurance as they gain product knowledge of the industry. Students examine characteristics of personal auto and residential policies, utilize insurance terminology to explain insurance risks and benefits, and distinguish among policy types and coverages, including medical coverage.
Research and share reasons for obtaining life and health insurance, including disability, cancerSummarize and share the differences between life and health insuranceExplain the financial impact of health care costs on individualsInvestigate and share information on the history of both private and governmental health insurance in AlabamaExplain the purposes of both short-term and long-term disability insuranceCalculate the cost of healthcare coverage, including the cost of premiums and copayments, deductiblesCompare and contrast Medicare and Medicaid, including purposes, eligibility, costs to consumers, and coverageExplain factors that influence health and life insurance costs and eligibilityResearch and share information on group and individual health insurance policies and coverage optionsCompare and contrast medical insurance coverage options for domestic and foreign travelOutline the steps in applying for life insuranceAnalyze the costs and benefits of term and permanent life insurance, including the cost of premiums, dividendsExplain the role of life insurance in investment and estate planningCalculate the amount of life insurance recommended for several different scenarios using a needs approachExplain the certification and/or state insurance license requirements for individuals who wish to sell lifeInterpret information presented in the sections of the declaration page on personal auto policiesGather and share information on how auto insurance works and the importance of obtaining and maintaining auto insuranceSummarize the physical damage components of comprehensive and collision insuranceCompare and contrast insurance limits when determining the amount of coverage for comprehensiveExplain the purpose, provisions, and importance of uninsured and underinsured motorist insuranceResearch and share information on personal automobile liability coverage related to bodily injury and medical paymentsIdentify common sections of homeowners and dwelling structure policiesExplain the eligibility requirements for a homeowner’s policyEvaluate the property and liability components of a homeowner’s policy, including any optional coveragesList the common perils against which homeowners are insuredSummarize coverage options for insurance on recreational vehiclesExplain watercraft insurance coverage for different types of loss, including medical payments, physical damageDescribe options for extra coverage for personal residential property including personal umbrella, excess liabilityResearch and share information on the options available in a renter’s insurance policyExplain the certification and/or state insurance license requirements for individuals who wish to sell property