In addition to hosting annual conferences and participating in other trade events, CREDITRE  can also provide specialized mini-seminars on site custom-designed, and tailored to fit your needs.   Printed and digital documentation and resources are also provided.

Possible Topics Include:

Debt Protection Products

Our presentations are custom-made to fit your specific lending type (open-end, installment) and your lending institution (bank, credit union). The day is basically divided into a morning lecture format and an afternoon workshop-format session.

Typical Two-Day Seminar Presentation

Morning Session

Gary presents a lecture based on our illustrative and informative Microsoft PowerPoint slides. We provide you with a 100+ page seminar manual that guides you through the day and serves as an invaluable resource. We also provide a comprehensive CD containing the relevant legal support documents and copies of the addenda that are on the street.

Afternoon Session

The afternoon session is hands-on, where we design, craft, and price a program for a particular lending product.

The second day is in-depth product design and pricing for other lending categories

 

Credit-Related Insurance

Most presentations include one-half to one full day of discussion from the Fundamentals of Credit-Related Insurance topics. Attendance is open to anyone in the operation. Multiple half-day sessions are also possible for large groups.

Some groups use the last part of the first day and/or the second morning for Measurement of Profitability or Producer-Owned Reinsurance topics.

The second afternoon can be dedicated to more specialized topics, such as discussion of voluntary deviations, claim reserves practices, or accounting practices.

Fundamentals of Credit-Related Insurance Topics

An Overview of the Industry

• Where the Consumer Meets Credit Insurance

• What Kind of Loans the Consumer is Getting

• What the Consumer Hears

• What Sets Credit Life and Disability Insurance Apart

• What Sets Loan-Related P&C Insurance Apart

• The Credit Insurance World

• The Insurance World

• The Insurance Regulatory World

• Evolution of the Product

• Overview of the Insurers

• Where the Industry Gathers

• Attitudes towards Credit Insurance

• Trends in Credit Insurance

• A Rapidly Consolidating Industry

• Premium Rating Concepts

• Evolution of Compensation Schemes

Products and Premium Structure

Introduction to Credit Insurance Products

Basics of Premium Rates

Measurement of Profitability

• Overview

• Components of Income and Expense

• Select and Ultimate Mortality by Case Duration

• Unearned Premium Methods

• Claim Reserves

• Earned Premiums at Prima Facie

• Prima Facie Rate History by State Since 1980

• The Ten Commandments of Credit Insurance

• Background Reading and Reference Material

• Overview of Reinsurance

Producer-Owned Reinsurance Topics

• Evolution of the Credit-Insurance Industry

• Overview of Producer-Owned Reinsurance

• Overview of Reinsurance and Accounting Treatments

• Formation, Renewal of Offshore Reinsurer

• Formation, Renewal of Arizona Reinsurer

• Reinsurance Treaties and Trusts

• Federal Income Taxes

• Measurement of Financial Results

• Pro-Forma Projections

• Relationship with Direct Writer

• Operation of a Reinsurer

• On-going Profit Analysis

• Other Opportunities

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