3 Hour Texas Approved CE Course

Ethics in Insurance is a comprehensive four-module course designed to strengthen professional integrity, deepen compliance awareness, and reinforce a client-first standard of care for insurance professionals. Grounded in state insurance law and reinforced by key federal regulations, this course delivers a structured, practical framework for applying ethical principles in daily insurance practice across sales, marketing, underwriting, claims, and benefits administration. The course begins with foundational ethical principles—honesty, transparency, fairness, fiduciary duty, and accountability—and examines how these principles shape professional judgment, client relationships, and long-term trust in the insurance marketplace. Participants then explore the regulatory landscape that enforces ethical conduct, including state insurance codes and administrative rules, as well as federal statutes such as ERISA, the Affordable Care Act (ACA), HIPAA, and the Mental Health Parity and Addiction Equity Act (MHPAEA). Throughout the course, special emphasis is placed on identifying and managing ethical risk areas, including misrepresentation by omission, deceptive sales practices, conflicts of interest, compensation disclosure, underwriting fairness, and claims handling obligations. Using real-world case studies drawn from group health plans, stop-loss contracts, renewals, procurement processes, and claims disputes, participants learn how ethical responsibilities and legal requirements intersect—and how failures in either can lead to regulatory action, financial exposure, and loss of trust. By the end of the course, learners will be equipped with practical tools to recognize ethical challenges, apply structured ethical decision-making frameworks, document and disclose appropriately, and confidently navigate complex insurance situations in a manner that protects clients, supports compliance, and upholds the integrity of the profession.