You are required to complete the Level I Certification - 10 credit hour certification with a completion score of 70% or higher prior to initiating the Level II Certification.
The Level II Intermediate Certification has three Learning Paths to choose from. Each Learning Path includes a total of 6 hours of Core Curriculum plus 4 hours of specific insurance related curriculum. $200.00
You select which path you take from the Option Paths.
This course will provide you with an understanding of what ethics are. This course will give you a sense of how ethics relate to insurance and insurance investigations. Conducting an investigation wrongfully, illegally, or with harmful intent can create a bad-faith claim against an insurance company. You require professionalism and a strict code of ethics if you are working on a claim investigation for an insurance company. This course will provide you with ways to make ethical decisions and choices as well as providing you with situations and dilemmas for which an investigator may be faced with. We will review several Insurance Laws and acts you must understand when working within the insurance industry.
This course will provide you with the definition and use of pretexting as it applies ONLY to insurance investigations. You will learn about the Federal and State Laws that protect sensitive and confidential information, as well as case law examples that find pretexting to be invasive, case law examples that find pretexting to be allowable, and examples of company policies regarding pretexting and Ethical Concerns.
This course will teach students the importance of an effective recorded interview or statement. We will provide you with tips and techniques for best results, including planning the statement, reviewing the claim and loss details, and planning the interviewee for the interview. We will provide you with a lesson on Communication Skills, doing so by recognizing, reading, and conveying verbal and non-verbal communication. We will provide you with information on how to obtain information effectively for the insurance claim and explain the applications of recorded statements in the claims investigation process.
This course will discuss using a neighborhood canvass during an insurance investigation. We will review how the investigator can obtain valuable information regarding the subject of the investigation. We will review the reasons for utilizing the neighborhood canvass and how to plan and conduct the canvass without breaking any laws or jeopardizing the insurance company you are working for. Finally, we will review what to do after the canvass. Remember that many insurance claims have to do with injury, which this course emphasizes. However, many other claims can still utilize the same methods and questioning.
IFC - Level II- Auto Insurance Path
This course will teach you about auto theft and how it affects the insurance industry. We will discuss how to investigate it on behalf of an insurance claim, provide you with the current trends in theft schemes, and examples of valid insurance theft claims. We will also teach you what investigation tools are available to you, bring you up to speed on all of the anti-theft measures out there today and help reduce auto theft insurance claims.
This is a two-hour course, providing the insurance professional with knowledge of staged accidents, the common types of staged accidents, how they are performed, and how to identify them. We will provide you with Staged Accident indicators and the role the claims professional will need to perform. The insurance professional will obtain the process and knowledge of a staged accident field investigation. This course will enhance the understanding of the claims professional concerning the parameters of a field investigation and what relevant factors are being collected. This course will utilize intelligence information from subjects confessed to participating in staged accidents. The curriculum will explain how the claim is set up from policy inception to the date of the actual loss. This will enhance the insurance professional's knowledge of staged accidents, which will facilitate in mitigating the claim.
IFC - Level II - Life, Disability & Health Insurance Path
This course will provide the investigative professional with a thorough knowledge of the various disability and life insurance products available today. It will provide the laws that affect them, the benefits and options available with each, and the vulnerabilities and opportunities for fraud. By laying a foundation of product understanding, this course prepares the student for recognizing, combating, and even deterring insurance fraud along these lines.
This course will provide the investigative professional with thorough knowledge of medical and healthcare fraud in both the private and government sectors, the laws that are designed to protect consumers and taxpayers from losses suffered as a result of such fraud, and techniques both the public and insurance/investigative professionals can utilize to combat fraud. Students will learn about current scams committed by claimants and providers, the effects of this type of fraud, red flags for fraud recognition, and investigative tips. Concepts introduced are illustrated with true-to-life video clips and news articles intended to put these ideas into context. Completing this course will provide students with an all-inclusive understanding of the scope of this problem, ranging from the most simple situations to complex and sophisticated healthcare insurance fraud crimes.
IFC - Level II - Liability Insurance Path
This course will give the student an overview of product liability and pertinent laws. Product liability issues are discussed from all points of view, including possible complainants, manufacturers, and sellers. Students will learn on whom the burden of proof lies when negligence is applicable, what evidence is required, and the legal and implied duties of all parties. Each concept is reinforced and demonstrated in actual case studies. Lastly, students will learn practical methods for identifying and investigating possible proof and defense of such claims.
This course will provide the investigative professional with knowledge of what Subrogation is and how it is utilized within the insurance industry. You will learn the rights of the insurer and insured regarding Subrogation within a claim. We will provide knowledge of how to investigate the common subrogation claim and provide investigation checklists for those investigations.
