NORTHEAST COMMUNITY COLLEGE
COURSE NUMBER: BSAD 2240-90
COURSE TITLE: Principles of Insurance
CATALOG DESCRIPTION: This course will examine the fields of insurance, risk,
and risk management and the basic provisions of various types of insurance-accident,
casualty, health and life.
CREDIT HOURS: 3 Lecture: 45 Lab: 0 Clinical-Practicum: 0 Coop: 0
TERM: Fall 2010
I. GENERAL COURSE OBJECTIVES:
o Understand and discuss basic policy types and products.
o Explore careers in the insurance industry.
o Learn about risk and the law of large numbers.
o Think critically about ethics and insurance.
o Learn basic insurance terms.
Textbook: Fundamentals of Insurance
Author: Tena B. Crews
Materials: Textbook and Computer Access
II. SPECIFIC OBJECTIVES
1. Learn about risk and purchasing considerations on basic policy types.
2. Discuss ways to reduce risks while driving and look at factors to consider when
purchasing auto insurance.
3. Explain what to do when there is an auto accident and list the steps involved in filing a
4. Obtain a health insurance overview and determine which health plan meets needs.
5. Learn about Workers’ Compensation and unemployment Insurance.
6. Learn how to plan for retirement and insure retirement.
7. Learn about the different types of Homeowner’s and Renter’s insurance.
8. Learn the basic principles of Life Insurance.
9. Explain the principles of disability insurance and long term care insurance.
10. Differentiate Insurer’s responsibilities and client responsibilities.
11. Explore different careers and opportunities in the insurance industry.0
III. SEMESTER SCHEDULE AND ASSIGNMENTS:
See Angel Calendar
Chapter 1 - Insurance Basics
1.1 Insurance and Risk
1.2 Basic Policy Types
1.3 Purchasing Considerations
Chapter 2 - Automobile Insurance
2.1 Automobiles and Risk
2.2 Personal Auto Policies
2.3 Reporting Accidents
Chapter 3 – Health Insurance
3.1 Health Insurance Overview
3.2 Health Plans
3.3 Supplementary and Transitional
Chapter 4 - Workers’ Compensation and Unemployment Insurance
4.1 Employer-Funded Insurance
4.2 Workers’ Compensation
4.3 Unemployment Insurance
Chapter 5 – Retirement Plans
5.1 Insure Your Retirement
5.2 Types of Plans
5.3 Plan for Retirement
Chapter 6 – Renter’s and Homeowner’s Insurance
6.1 Risks at Home
6.2 Basic Policy Types
6.3 Coverage and Claims
Chapter 7 – Life Insurance
7.1 Principles of Life Insurance
7.2 Basic Policy Types
7.3 Applying for a Policy
Chapter 8 – Disability and Long-Term Care
8.1 Disability Insurance
8.2 Disability Policies
8.3 Long-term Care Insurance
8.4 Long-Term Care Policies
Chapter 9 – Be a Wise Consumer
9.1 Insurer’s Responsibilities
9.2 Your Rights and Responsibilities
9.3 Developing Consumer Savvy
Careers in Insurance
IV. COURSE REQUIREMENTS AND EXPECTATIONS
1. Students are expected to check their Angel email and class calendar daily to
make sure that they keep up with class requirements.
2. Students are expected to complete all assigned daily work on time. Due dates
are set with the expectation that students will adhere to the assignment and quiz
time frames. If a deadline is missed the assignment, quiz or test will receive zero
points. Students need to be accountable and plan their schedules accordingly.
Students may submit work ahead of the deadline for the assignment. Students are
expected to do their own work. Cheating will not be tolerated; students suspected
of cheating will be dealt with accordingly.
3. If the student is having trouble logging on they are to utilize the Northeast
Community College telephone “help line” that is open Monday thru Friday from 8
am to 7pm at 402-844-7135. If for whatever reason, it is not answered, please
leave a message and your call will be returned. There is also online help at the
following address: firstname.lastname@example.org.
V. METHODS OF PRESENTATION/INSTRUCTION/LEARNING
To login to your ANGEL account:
1. Go to http://northeastcollege.angellearning.com/
2. Your “Username” is your student i.d. number (typically an 8-digit number starting with
100 or 101 – for example, 10012345). You can find your student i.d. by logging into
HawkNET at http://northeast.edu/hawknet.php
3. The “Password” is 9999. (ANGEL will ask that you change this password upon your
4. Once logged-in to your ANGEL “Home” page, click on the course title (listed in the
"Courses" section) to enter the course.
ANGEL students will enter the online course via the Homepage of Northeast Community
College. This page opens to the LOGON page of Angel. You will logon with your
college ID number and your password. The course homepage (Principles of Insurance)
will link you to the various course materials and tools.
Calendar-The calendar in Angel is the organizational backbone of the online Principles of
Banking course. Assignments, quizzes, articles, and examinations will be posted on their due
dates on the calendar. Students should check the calendar daily for new postings and/or
Course Content-Chapter by chapter information and instruction will be found here. Students
are advised to use this tool in conjunction with reading assigned textbook chapters. Please note
that quizzes or tests are provided for each chapter.
E-mail-E-mail is the communication link to the course. This is how you ask questions and
receive information from your instructor. You should check your e-mail within the course
regularly. The calendar tool keeps the course organized, but e-mail is where you will have the
most interaction with the instructor.
Ground Rules for On-line Participation
Students are expected to participate in on-line discussions, send/receive email, attach
documents to e-mail messages, upload and download files from Angel and navigate and
conduct Internet research.
All students will observe “on-line etiquette,” which includes courtesy to all users.
Students may get assistance with computer-related related problems through the
College’s help desk at 844-7135 or e-mail at email@example.com. It is strongly advised
that a student participate in on-line training via the college’s homepage or the homepage
of this course. Instructors are not expected to teach on-line within the course. There is
not enough time.
Written assignments should be saved as “rtf” file and placed in the proper drop box
All students will observe “on-line etiquette”, which includes courtesy to all users and
professional courteous tone in all messages. For this course, our online conversations
should mimic an academic, face-to-face discussion. Some rules to follow:
o Classroom appropriate language is required. No curse words or offensive
o No personal attacks or insults.
o No “flaming” (an aggressively inflammatory statement).
o Disagreements are stated with respect with those whom you disagree.
o Use complete sentences and no instant messaging abbreviations
o Type in a standard font.
o Typing in all-caps implies you are yelling.
o Late assignments automatically are reduced one letter grade, if accepted.
VI. Course Requirements/Suggestions
Students are encouraged to:
a. Read each assigned chapter before doing the assignment.
b. Do not wait until the last minute to prepare and print your assignments. Soft ware and
printer problems are not acceptable excuses for late work.
c. Read your course syllabus thoroughly.
d. Participate in your education. Online discussion is critical. E-mail and online
Discussion Boards will be used to exchange thoughts. Make sure they are your thoughts
and not just an agreement statement of yes or no’s.
e. Complete and pass quizzes and examinations over the course content. Quizzes and
examinations are date and time specific. Students who have not completed the
examination on its due date will receive a grade of zero. Communicate any technical
problems in a timely manner.
f. Complete written assignments/projects. Assignments are also date and time specific.
The instructor reserves the right not to accept any late assignments. Late assignments
that are accepted will be graded according to the following guidelines: Any late
assignment will be penalized one full letter grade for each day they are late. No credit
will be received for assignments received on the second day following the due date.
Assignment Formatting: All assignments are listed on the lessons page of the course. Students
will submit all assignments saving them as rtf. files. These assignments should be submitted
through the proper drop box within the chapter folders. If written assignments are not submitted
in the proper drop box, no credit will be given. Do not submit assignments on the college e-mail
system. They will not be accepted.
VII. Methods of Evaluation
Tests/Quizzes .........................60% of final grade
Discussion participation, assignments and projects…………………….40%
100 – 95 A+ ....................................79-75 C+
94 – 90 A ....................................74-70 C
85 – 89 B+ ....................................65-69 D+
80 – 84 B ....................................64-60 D
79 – 77 = C+ ....................................Below 59 F
VIII: Instructor Information
Instructor: Jane A. Parker Office: MC Room 152
Disabilities Service Statement:
Students with a documented disability may be eligible for certain accommodations that support their success in the
classroom. Please see Mary Balaski, Disabilities Services Coordinator, for further information. Her office is located in
the Welcome Center. Phone 844-7343.
The Northeast Community College Library Resource Center provides students with tools to
conduct scholarly research and increase knowledge. Through the library’s subscription
databases, students have access to millions of current and credible resources not available
through Google, Yahoo, and other search engines. Links to online databases and the library’s
online catalog can be found at http://www.northeast.edu/Library-Resources/. Students who
would like assistance in utilizing the library’s resources are encouraged to contact the library
for further information and personal service at 402-844-7131 or email