NORTHEAST COMMUNITY COLLEGE COURSE SYLLABUS COURSE NUMBER: BSAD 2240-90 COURSE TITLE: Principles of Insurance PREREQUISITES: None CO-REQUISITES: None 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: Students will: 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. INSTRUCTIONAL MATERIALS: Textbook: Fundamentals of Insurance Edition: 2nd Author: Tena B. Crews Publisher: South-Western Year: 2010 Materials: Textbook and Computer Access II. SPECIFIC OBJECTIVES Students will: 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 claim. 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 Test Chapter 2 - Automobile Insurance 2.1 Automobiles and Risk 2.2 Personal Auto Policies 2.3 Reporting Accidents Chapter Test Chapter 3 – Health Insurance 3.1 Health Insurance Overview 3.2 Health Plans 3.3 Supplementary and Transitional Chapter Test Chapter 4 - Workers’ Compensation and Unemployment Insurance 4.1 Employer-Funded Insurance 4.2 Workers’ Compensation 4.3 Unemployment Insurance Chapter Test Chapter 5 – Retirement Plans 5.1 Insure Your Retirement 5.2 Types of Plans 5.3 Plan for Retirement Chapter Test Chapter 6 – Renter’s and Homeowner’s Insurance 6.1 Risks at Home 6.2 Basic Policy Types 6.3 Coverage and Claims Chapter Test Chapter 7 – Life Insurance 7.1 Principles of Life Insurance 7.2 Basic Policy Types 7.3 Applying for a Policy Chapter Test 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 Test Chapter 9 – Be a Wise Consumer 9.1 Insurer’s Responsibilities 9.2 Your Rights and Responsibilities 9.3 Developing Consumer Savvy Chapter Test Careers in Insurance Individual Project Final Test 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: email@example.com. 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 first visit). 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. ANGEL 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 assignments. 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 firstname.lastname@example.org. 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 within lessons. 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 language. 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% Grading Scale: 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 Phone: 844-7296 E-mail: email@example.com 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 firstname.lastname@example.org.
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