CISR Life & Health case studies
CISR Life & Health · Put your knowledge to work in context.
The CISR (Certified Insurance Service Representative) designation is a nationally recognized educational credential for customer service representatives in insurance agencies and companies. Life & Health Essentials is one of nine one-day CISR courses, and it is the course that turns a personal lines or account-management professional toward life and health products - a cross-selling and client-retention skill set the program describes as a proven revenue generator. The CISR Life & Health case studies are 5 cases and about 3,320 words.
1Replacement Trap: Preferred Plus Term vs. a Rated New Policy
Marcus, 47, owns a 12-employee HVAC company and has a 500,000 20-year term policy issued six years ago at preferred-plus rates. He is married with two children, ages 12 and 15, and his business partner depends on a buy-sell funded by insurance.
663 words, about 3 min2Convertible Term Deadline and a BRCA Diagnosis
Elena, 34, is a single mother of twins, ages 4. She owns a 750,000 15-year convertible term policy issued at age 30.
693 words, about 3 min3Contestability, Material Misrepresentation, and a Motorcycle Death
Dylan, 29, purchased a 1 million 10-year term policy 18 months ago. On the application he answered "no" to questions asking whether he had used nicotine in the past 12 months and whether he had been treated for depression or anxiety in the past five years.
672 words, about 3 min4COBRA or Marketplace After a Layoff
Priya, 52, was laid off from a 200-employee marketing firm. Her group PPO ends on March 31.
667 words, about 3 min5Turning 65, Still Working, and an HSA
Walter, 64 years and 10 months, works for a 30-employee engineering firm and is covered by its group health plan with a 2,000 deductible. He contributes 4,150 to a health savings account (HSA) each year and plans to work until 68.
625 words, about 3 min