VT Life & Health case studies

VT Life & Health · Put your knowledge to work in context.

The Vermont Life & Health producer license is a state credential that allows an individual to sell life insurance and health insurance products in Vermont. Licensing and supervision of producers fall under the Vermont Department of Financial Regulation (DFR), whose Insurance Division oversees the companies, agents, and producers operating in the state; DFR's producer resources page covers applying for and renewing a license, changes to a license, and continuing education. The VT Life & Health case studies are 5 cases and about 3,421 words.

The 20% Referral Split, the Inflated Designation, and the Missing Replacement Notice

Danielle has held a Vermont life insurance producer license for six years and runs a two-person agency. Last quarter she hired an unlicensed office assistant and signed an agreement paying her 20% of first-year commissions on any life policy sold to people the assistant refers.

690 words, about 3 min 2

Buy-Sell Coverage, a $2 Million Bookkeeper, and an Investor Bearing Gifts

Prairie Stone Landscaping has three equal owners - Alex (38), Ben (52), and Carmen (61) - and 1.2 million in annual revenue. They want the business to own a 1 million policy on each owner to fund a buy-sell.

710 words, about 4 min 3

The $45,000 Renovation and the 10-Year Surrender Schedule

Ruth, 74, is a widow with 250,000 in a fixed deferred annuity that is 11 years old and past its surrender-charge period. She receives 1,400 a month in Social Security, has 60,000 in a savings account, and expects to spend about 45,000 within roughly 18 months to widen doorways and add a ramp so she can stay in her home.

694 words, about 3 min 4

COBRA, a Denied March Claim, and the November Open Enrollment Trap

Maria, 34, worked for a 45-employee Vermont manufacturer and was covered under its group health plan. Her employment ended March 31.

700 words, about 4 min 5

Moving to Vermont Mid-Year: Subsidies, Short-Term Plans, and a Sham Group

Tomas, 41, is a self-employed graphic designer who moved from New Hampshire to Burlington on February 14 and lost his New Hampshire employer coverage on February 28. His projected household income for the year is about 280% of the federal poverty level.

627 words, about 3 min