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Exam Code: CII-IF1 CII Credit Level Certificate: Mastering the Basic Principles of Insurance, Legal and Regulatory (IF1) Framework thinking January 2024 by Killexams.com team
CII Credit Level Certificate: Mastering the Basic Principles of Insurance, Legal and Regulatory (IF1) Framework
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CII-IF1 CII Credit Level Certificate: Mastering the Basic Principles of Insurance, Legal and Regulatory (IF1) Framework

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Question: 10
If an insured signs an agreement with a hold harmless clause, this may prevent the insurer from
A. disclosing details to a third party.
B. reinsuring the risk.
C. pursuing subrogation rights.
D. increasing the premium.
Answer: C
Question: 11
Joe is a broker who has become a Fellow of the Chattered Insurance Institute. If he would like to use the title
Chartered Insurance Broker, what must he do. if anything?
A. He must apply to the British Insurance Brokers' Association.
B. He must apply to the Chartered Insurance Institute.
C. He cannot use the name as he would be in breach of the Insurance: Conduct of Business sourcebook (ICOBS).
D. He must apply to the Prudential Regulation Authority.
Answer: B
Question: 12
In order for a contract to be legally enforceable, what further action is required after offer and acceptance?
A. Exchange of consideration between the two parties.
B. Witnessing by a third party.
C. Delivery of goods or services concerned.
D. Provision of written terms and conditions.
Answer: A
Question: 13
Under the Insurance: Conduct of Business sourcebook (ICOBS) on product disclosure, what information about the
claims-handling process must an intermediary provide to a consumer?
A. The policy number only.
B. The number of days the settlement should take.
C. The contact details of the insurer.
D. The contact details of the loss adjuster used by the insurer.
Answer: D
Question: 14
What type of reduction is sometimes applied to the replacement cost of an item under an insurance policy claim in
order to reflect the application of indemnity?
$13$10
A. Wear and tear.
B. An excess.
C. Brokerage.
D. Loss of interest.
Answer: A
Question: 15
Michael, an insurance company employee, strongly suspects that a exact transaction involved money laundering but
decides NOT to report his suspicions to anyone.
How is this treated under the current Money Laundering Regulations?
A. It is a disciplinary offence under the Banking Code.
B. It is a civil offence.
C. It is a criminal offence.
D. It is a disciplinary offence dealt with by the Money Laundering Joint Steering Committee.
Answer: D
Question: 16
John wishes to insure his friend's house.
Why would an insurer refuse to provide a quotation?
A. His name is not on the mortgage.
B. He does not have any subrogation rights.
C. He does not live in the house.
D. He does not have any insurable interest.
Answer: D
Question: 17
How does insurable interest arise, if at all. when an insurer arranges reinsurance?
A. Insurable interest does not arise.
B. Insurable interest is created by statute.
C. The insurer is considered to have insurable interest by virtue of its liability to pay claims.
D. The policyholder is considered to have assigned the insurable interest to the insurer.
Answer: C
Question: 18
Insurers and intermediaries are required to adhere to solvency requirements as stipulated by the
A. Financial Services Compensation Scheme.
B. Financial Ombudsman Service.
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C. Association of British Insurers.
D. European Union.
Answer: D
Question: 19
What type of organisation is the British Insurance Brokers' Association?
A. A specialist regulator.
B. A trade body.
C. An educational body.
D. A public limited company.
Answer: B
Question: 20
How would an employee benefit directly from her employer's business interruption insurance if its factory was forced
to close temporarily due to flood damage?
A. By payment of a redundancy lump sum.
B. By continuation of her wages.
C. By compensation for loss of bonus.
D. By payment of an early retirement pension.
Answer: B
Question: 21
John has a whole of life policy and has recently been diagnosed with cancer.
When, if at all. must he disclose this to his insurer?
A. Immediately, irrespective of prognosis.
B. He does not need to disclose this.
C. Immediately, but only if the diagnosis is terminal.
D. At the date of the next premium payment.
Answer: B
Question: 22
The principle of indemnity is the
A. obligation of the insurer to provide a maximum sum insured or limit of liability.
B. placing of the insured, at expiry of a policy, in the same financial position as enjoyed at inception.
C. obligation of the insurer to pay all valid claims according to the terms and conditions of the policy.
D. placing of the insured, after a loss, in the same financial position as enjoyed immediately before the loss.
Answer: D
$13$10
Question: 23
Peter currently has no penalty points on his driving licence, although he was convicted of a minor motoring offence
eight years ago.
Why does Peter NOT need to disclose this to his motor insurer?
A. It represents a physical hazard.
B. It represents a moral hazard.
C. It is a spent conviction.
D. It is information that would not influence an underwriter.
Answer: C
Question: 24
A risk that is always insurable is a
A. fundamental risk.
B. pure risk.
C. speculative risk.
D. capital risk.
Answer: B
Question: 25
The requirement 10 notify the fitting of a more powerful engine under a motor insurance policy is an example of a
policy wording modifying the principle of
A. subrogation.
B. contribution.
C. good faith.
D. indemnity.
Answer: C
$13$10

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Online Critical Thinking, Creativity & Innovation Courses & Certificate

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For a limited time, when you purchase any course from Goodwin College’s Online Professional Development Course catalog, you’ll receive the online, self-paced course, Speak With Confidence for free! The link to access Speak with Confidence will be included in your course confirmation email that you receive 24-48 hours after registration.


Organizations must innovate to stay ahead of the curve in today's highly competitive marketplace, and they need employees who can think critically and channel their creativity toward organizational challenges and goals.

This suite of online courses, with a Certificate in Creativity and Innovation, supply you a set of tools that allow you to identify and solve organizational problems—helping you stand out in the workforce as a new, current or potential employee. 

These online creativity and critical thinking courses can be taken individually or in the bundle certificate package at a discounted rate:

Certificate in Innovation and Critical Thinking

Harness your creative potential and move up in your organization, transition careers or seek new employment with a refreshed perspective.

  • Length: 18 hours
  • Format: Online
  • Cost: $249

Creativity in Teams and Organizations

This course focuses on tools and techniques designed to yield more productive thinking in collective settings.

  • Length: 5 hours
  • Format: Online
  • Cost: $79

Innovation in Team and Organizations

This course looks at innovation in corporations and the public sector. Learn the about latest research on innovation, including disruptive technology, idea champions, idea incubators and new venture teams.

  • Length: 3 hours
  • Format: Online
  • Cost: $79

Intro to Critical Thinking

Learn to define and identify critical thinking and reasoning skills and develop those skills in order to ask the right questions, critique an argument, and logically dissect an issue—in the workplace and in your life.

  • Length: 7 hours
  • Format: Online
  • Cost: $95

Personal Creativity

Through the use of stimulating creative activities, you tap into your personal creativity and apply it to professional settings.

  • Length: 3 hours
  • Format: Online
  • Cost: $79

Creativity and Innovation Course Catalog

Mon, 15 Aug 2022 18:21:00 -0500 en text/html https://drexel.edu/goodwin/academics/continuing-professional-education/courses/online%20self-paced/creativity-innovation/
Design Thinking

Chōkdee Rutirasiri

Chōkdee Rutirasiri is a designer, technologist, and educator. He utilizes a human-centered approach to designing systems and solutions that are inclusive, equitable, holistic, and sustainable. He has over 25 years of experience and has designed solutions for K-12, higher education, health and human services, healthcare, population health, human resources, arts and museums, financial services, manufacturing, government, technology, startups, and nonprofits.

Currently, Chōkdee teaches Innovation Through Design Thinking at Boston College; is a member of the Equity Innovation Lab at BC School of Social Work; and Associate Director/Head of UX at the Broad Institute at MIT and Harvard.

Thu, 31 Mar 2022 01:36:00 -0500 en text/html https://www.bc.edu/bc-web/sites/continuing-ed/programs/certificates/design-thinking.html
Certificate in Jesuit Studies

The certificate program is designed to develop a deep, informed understanding of the spirituality, history, pedagogy, leadership methods, and other aspects associated with the Society of Jesus and its apostolates.  Certificate students will draw from both historical and contemporary sources and be prepared as leaders informed with an advanced understanding of the heritage and vision of Jesuit leadership.

Students will have the opportunity to have experiential learning opportunities and an academic immersion in Spain and Rome to examine the historical and spiritual contexts for the foundation of the Society of Jesus.

Thu, 07 Sep 2017 11:44:00 -0500 en text/html https://www.bc.edu/bc-web/centers/iajs/programs/certificate-in-jesuit-studies-.html.html
Certificate in Deaf Interpreting (Non-Credit)

This 20-week program comprises approximately 120 hours of synchronous and blended online instruction (2/3 in Zoom; 1/3 online). Synchronous sessions will occur on Monday and Wednesday evenings in Zoom. The exact times will be communicated to accepted students.

The program runs from September–April.

Participants will have opportunities to practice interpreting for Deaf, DeafBlind, and hearing consumers in a variety of settings: medical, mental health, legal, business, DeafBlind, education, and press conferences.

Upon completion, students will be awarded a Certificate of Completion in the Certificate in Deaf Interpreting program from the National Technical Institute for the Deaf.

Fri, 04 Mar 2022 05:27:00 -0600 en text/html https://www.rit.edu/ntid/aslie/cidi
UTSA Certificate in Legal Studies

According to the American Bar Association (ABA), you are not required to have any specific major to be admitted into law school. However, you should acquire important skills, values, knowledge and experience to prepare effectively for law school and the legal career. ABA recommended skills include:

  1. Problem-solving
  2. Critical reading
  3. Writing and editing
  4. Oral communication
  5. Research
  6. Organization and management
  7. Public service and promotion of justice
  8. Relationship-building and collaboration
  9. Background knowledge and 
  10. Exposure to the law

The Certificate in Legal Studies is designed to provide you with substantive skills to hone your analytical and logic reasoning, critical memorizing and thinking, and writing and research skills. It also encourages your exposure to the law to obtain first-hand experience in the legal field and strengthen your desire to pursue a legal career. The certificate joins your academic coursework with experiential learning opportunities, and courses may count towards your major or minor.

The Certificate in Legal Studies is open to all majors in the University. Students pursuing the Certificate in Legal Studies must complete 15 semester credit hours. Courses that count for the certificate should be taken during fall 2020 and thereafter.

If you are interested in earning the certificate, contact your Certificate Program Advisor, Dr. Ana Alvarez to discuss your certificate degree plan.

Certificate in Legal Studies Curriculum here

Request to Pursue the Certificate in Legal Studies Form here

All Summer Law School Preparation Academy credit courses (12 credits) taken during summer 2021 and thereafter count for the Certificate in Legal Studies. SLSPA Curriculum here. The additional 3 credits must be earned with an internship course. For more information, contact Dr. Ana Alvarez. 

 

Fri, 15 Jan 2021 14:00:00 -0600 en text/html https://www.utsa.edu/ilpa/legal-studies-certificate.html
SR-22 Insurance: What It is, How It Works

If you earn too many driver's license points for moving violations or you're convicted of a major driving infraction, your license could be suspended temporarily or revoked. While states have processes for reinstating a driver's license following a suspension or revocation, getting car insurance can prove difficult. For this reason, you may be required to obtain an SR-22 certificate as proof of insurance coverage before you can get back on the road. 

Key Takeaways

  • Though sometimes referred to as "insurance," an SR-22 is simply a certificate showing that you have an adequate amount of liability coverage on your auto insurance policy.
  • Some, but not all, states require you to obtain an SR-22 if your driver's license has been revoked or suspended and you want to drive again.
  • You may need to have an SR-22 on file for one to five years, depending on the state. 

What Is SR-22 Insurance?

An SR-22 is a document that shows proof of financial responsibility in case you're involved in a car accident. It's technically not a form of insurance, though it is sometimes referred to as such. Instead, it simply indicates that you have purchased liability insurance coverage that meets the minimum requirements in your state. In Virginia, a similar form is called an FR-44.

Every state, except for New Hampshire, requires drivers to have liability coverage. That includes bodily injury liability coverage, which pays for injuries you cause to someone else if you're at fault in an accident. It also includes property damage liability coverage, which pays for repairs to someone else's vehicle or other property if you're at fault in an accident. The minimum coverage limits for bodily injury liability and property damage liability vary by state.

An SR-22 certificate is posted to your driving record once you obtain it. It will stay on your record for as long as you're required to have the certificate in place. You may be required to submit an SR-22 certificate to your state's insurance or motor vehicle department as a condition of having a suspended or revoked driver's license reinstated. You'll also have to pay any applicable fees to your state. 

Who Needs an SR-22 Certificate?

The rules for when an SR-22 is needed vary by state, and not all states require drivers to have one. 

In Texas, for example, drivers are required to file an SR-22 with the state department of insurance if their license was suspended because of a car crash, they've received a second or subsequent conviction for not having liability insurance, or a civil judgment has been filed against them. The state of Washington requires SR-22s for people who have been convicted of or forfeited bail for certain offenses, failed to pay judgments, or have driven or owned a vehicle involved in an accident.

Again, not everyone needs an SR-22. But generally, you may be required to have one if you:

  • Are caught driving without a license or insurance
  • Have a driving under the influence (DUI) or driving while intoxicated (DWI) conviction
  • Have a license suspended due to excessive accidents or moving violations
  • Owe outstanding court-ordered child support payments
  • Incur multiple repeat driving offenses in a short time frame
  • Are applying for a hardship or probationary driving permit

Keep in mind that you may be required to have an SR-22 on file in the state you're licensed in even if you live and drive in another state. You may not be able to get a license issued by another state that you live in temporarily without showing proof of SR-22 coverage from your home state.

Important

If you allow your SR-22 certificate to lapse, your driver's license could be suspended. Some states require insurance companies to notify them when an SR-22 lapses or is canceled.

How Long Do You Need an SR-22 Certificate?

The length of time you need to maintain an SR-22 certificate will also depend on your state's requirements. In some states, for example, you may be able to cancel it in as little as one year after your license is reinstated. Or you may need to keep it for up to five years. Washington state splits the difference and sets its requirement at three years.

If you need an SR-22, it's important to know when the clock starts ticking. For example, the window of time you're required to have the certificate may begin on the date your license was initially suspended. Or it may not begin until the date you're eligible to reinstate your license, as is the case in Washington.

How and Where to Get an SR-22 Certificate

You can't get an SR-22 certificate without first having a regular car insurance policy. That policy has to include the at least minimum amount of liability coverage required in your state. For example, you may need to have at least $25,000 in bodily injury liability coverage per person, $50,000 in bodily injury liability coverage per accident, and $25,000 in property damage liability coverage.

Other types of coverage, such as collision coverage, comprehensive coverage, or underinsured/uninsured motorist coverage, may be optional, again depending on your state. But purchasing additional coverage can offer more financial protection if you're involved in an accident.

Many insurers offer SR-22 certificates. The cost of the certificate itself is nominal, possibly no more than a filing fee of $25 or so. However, your car insurance policy is likely to be considerably more expensive than you were paying before you were required to get the SR-22. That's because the insurance company considers you a higher risk.

If you're buying a new car insurance policy, you may be able to save money by shopping around. Tell the insurer upfront that you need an SR-22, just to be sure the company offers them.

Once you have an SR-22 certificate, the insurance company will file it with the state on your behalf. At this point, you should be able to get a suspended or revoked license reinstated, assuming you've met any other conditions set by your state. 

What Is the Equivalent of SR-22?

If you live in Florida or Virginia, you might need an FR-44 instead of an SR-22. Liability coverage requirements are higher for FR-44s than they are for SR-22s.

How Do I Get My SR-22 Removed?

Once you no longer need the SR-22, you should be able to simply notify your insurance carrier of the change.

How Do I Check the Status of My SR-22?

You should be able to check the status with your insurance carrier. You also can check with your state's department of motor vehicles.

The Bottom Line

If your driver's license has been suspended or revoked, obtaining an SR-22 certificate may be a necessary step to reinstating your license. You get the SR-22 through your insurance company, but it is not insurance. It is simply a certificate showing that you have the required amount of liability coverage on your auto policy.

Tue, 03 Oct 2023 12:52:00 -0500 en text/html https://www.investopedia.com/what-is-sr-22-insurance-and-what-does-it-do-5089171
Best 5-Year CD Rates for January 2024

Fast Fact

When asked in December if they were choosing more or less of certain investments during exact market events, 28% of Investopedia readers said they were leaning into CDs—just one percentage point behind the leading choice of money market funds. Additionally, 11% of readers said they would open a CD if they had an extra $10,000 to invest, in third place behind individual stocks and ETFs.

Pros and Cons of a 5-Year CD

Pros
  • Interest rate is locked for five years

  • Pays completely predictable earnings

  • Extremely safe

  • Potentially higher APY than other options

  • Discourages spending

Cons
  • Penalty imposed if you withdraw early

  • Only allows a single deposit

  • If rates rise, you're locked at a lower rate until maturity

  • Future interest rates are impossible to predict

Pros Explained

  • Interest rate is locked for five years: When you open a 5-year CD, you get to keep that rate for the entire duration of the CD. Even if interest rates tanks after you lock in your certificate, the bank cannot change the rate you agreed to until the five years are concluded.
  • Pays completely predictable earnings: Since you know the precise rate you'll earn for the full five years of your CD's term, you can determine exactly how much your CD balance will be when your term ends.
  • Extremely safe: All CDs held at FDIC banks or NCUA credit unions are insured by the federal government for up to $250,000 per person per institution. So even if the institution fails, your CD funds are protected.
  • Potentially higher APY than other options: Depending on the current interest rate environment, 5-year CDs may pay higher rates than savings and money market accounts or shorter CDs. It's not always true, but in times when rates are falling, 5-year CD rates are often the best-paying deposit account.
  • Discourages spending: Because your funds are committed in a CD with threat of a penalty if you withdraw the money early, you may be deterred from the temptation to spend your savings on something unplanned.

Cons Explained

  • Penalty is incurred if you withdraw early: When you open a CD, the bank or credit union will spell out in the agreement how it will calculate an early withdrawal penalty should you request to take your money out before maturity. Most typically, you'll have to forfeit a certain number of months of interest.
  • Only allows a single deposit: You fund CDs with a one-time deposit when you open the certificate. Only in "add-on" CDs, an uncommon niche product, can you make additional deposits to the same certificate.
  • If rates rise, you're locked at a lower rate until maturity: If interest rates go up while you are locked into a 5-year CD, you will be stuck with your rate until the end of your term, preventing you from capitalizing on the higher rates.
  • Future interest rates are impossible to predict: Over a five-year timeline, it is not possible to forecast if interest rates will rise or fall, or even hold steady for years. So it's difficult to predict whether a 5-year CD rate will be competitive or not several years down the road.

Alternatives to a 5-Year CD

Shorter-Term CDs

Though banks and credit unions often pay higher rates on 5-year CDs than on shorter terms, this isn't always the case. So it can be smart to consider a shorter CD if it allows you to earn a higher APY. This is especially true if national interest rates are already elevated or are expected to rise in the coming years.

In addition to possibly earning a higher rate, choosing a shorter-term CD lets you make another choice with your money sooner than if you have to wait for a five-year term to expire. Just be aware that when your shorter-term CD matures, the rates you're able to get then could be quite a bit less than the rate you were able to lock in for five years.

High-Yield Savings or Money Market Accounts

Another option for your funds is a high-yield savings or money market account. When rates are high, the best high-yield savings accounts and best money market accounts may offer rates competitive with a 5-year CD. But it's critical you understand that these are variable rates that can change at any time. If interest rates start going down, so too will savings and money market rates, while CD rates will be locked at your initial APY.

The advantage, however, is that you can withdraw your funds at any time from a savings or money market account, giving you more flexibility for funds you're not confident about locking up in a CD.

Bond Investments

Instead of CDs or bank accounts, you can also put your funds into bond instruments, which come in a wide spectrum of types. For instance, you can buy U.S. Treasury savings bonds, like I bonds or EE bonds. Also backed by the U.S. Treasury are Treasury bills and notes. T bills have durations of up to one year, while Treasury notes have terms of 2 to 10 years. U.S. savings bonds, treasury bills and treasury notes are among the safest investments you can buy.

You can also invest in municipal or corporate bonds, though the research and decision-making required to choose individual bonds may be more challenging than many savers are equipped or inclined to decipher. An easier option is to invest in a bond mutual fund or bond ETF (exchange traded fund), which bundles hundreds or thousands of bonds into one fund and enables you to enter and exit the fund anytime you like.

Stock Equities

For money you plan to hold as long as five years, a conservative investment in the stock market is an alternative option. And if the five years in which you're invested in the market are a period of growth, you can earn considerably more with stocks than a fixed-rate CD.

However, the significant downside is that preserving your principal is not guaranteed in the market. You can very easily lose some of your investment, unlike money held in a CD. So if keeping your savings reliably intact is important to you, a CD will serve you better than an equity investment.

Frequently Asked Questions (FAQs)

How Does a 5-Year CD Work?

Opening a certificate of deposit involves making an agreement with a financial institution that you will deposit a certain amount of money in an account that you won't touch, in exchange for earning a premium on the rate of return. You'll also be guaranteed that interest rate for the life of the certificate.

Five-year certificates are useful savings vehicles in a number of situations. For instance, if national interest rates are expected to fall over the coming few years (i.e., you're in a declining rate environment), it would be beneficial to lock in one of today's more favorable rates for the coming five years.

Socking money away in a 5-year CD can also be a helpful strategy if you're saving up for a large financial goal. Perhaps it's money for a down payment on a house. Or maybe you have money saved for your child's college education and you'll need it for tuition in five to six years. By putting it in a CD, you can ensure it earns interest and doesn't lose principal, while also putting a mechanism in place to discourage you from dipping into the funds for other purposes.

How Do CDs From Traditional Banks, Online Banks, and Credit Unions Differ?

Certificates of deposit are available from brick-and-mortar banks, online-only banks, internet banking divisions of traditional banks, and credit unions. For the most part, there is little difference between CDs from these different types of institutions.

The biggest difference is that opening a CD with a credit union requires you to be a member of that credit union. The credit union certificates we include in our rankings all allow a method for anyone nationwide to join. However, doing so sometimes requires a small donation or fee (though not always).

As for CDs from different bank types, there is little difference. You may be able to make an in-branch visit to physical banks that operate in your area, while you can only open an account at an internet banks online. But aside from the physical presence of a bank (or lack thereof), CDs from different banks will function generally the same way.

These different institution types can pay very different rates. Credit unions are not-for-profit institutions and sometimes offer their members better rates than banks do. As a result, you'll see credit unions ranking prominently for longer terms like 5-year certificates.

Online banks also tend to pay higher APYs than traditional banks, as their no-presence business model costs less to maintain than brick-and-mortar institutions. These overhead cost savings are often then passed to consumers via better interest rates.

Which CD Term Pays the Highest Rate?

In theory, the longer you're willing to deposit your funds, the higher the interest rate the bank or credit union will offer you. Unfortunately, this does not always hold true, as the rate institutions are willing to pay depends largely on the market's prediction about where future rates will go.

For instance, when rates have been rising for a while and are expected to soon reach a peak, shorter and mid-term CDs often pay the best rates because banks don't want to get stuck paying the current elevated rate for years after rates begin to subside.

In contrast, if rates have been low for a while and begin to rise, with expectations they will climb for a bit, banks are more interested in enticing customers with a high long-term rate because they expect rates will be much higher in the future.

The good news is that it's easy to see which CD term is paying the best rate at any given time by visiting our daily ranking of the best CD rates. Here you can always see which terms are currently paying the highest yields.

What If I Need to Withdraw My Money Early?

Keeping your certificate funds on deposit until maturity is the best way to maximize your earnings. But sometimes life gets in the way, with unexpected financial needs arising. For this reason, every bank or credit union offering CDs has a written policy on the penalty it will apply should you cash the CD out early.

Most typically, the penalty involves you forfeiting some number of months of interest. For example, the early withdrawal penalty on a 5-year CD might be 12 months of interest. That means an amount equal to what the CD would have earned in a year would be deducted from your balance before liquidating the proceeds.

Early withdrawal penalties are set individually by each bank or credit union, and they run a wide gamut from mild to exceptionally onerous. But even if you don't expect to need an early cash-out, it's smart to determine the early withdrawal penalty in advance of committing to any CD you're considering.

Beware of early withdrawal penalties that can eat into your CD's principal. Losing earned interest when incurring a penalty is to be expected, but avoid certificates where even your principal deposit could be at stake.

How Do You Build a CD Ladder?

A CD ladder is a strategy that enables you to earn 5-year rates while keeping a portion of your CD funds accessible every year. Here's how it works:

  1. Determine how much money you want to invest in CDs.
  2. Divide that amount by five.
  3. Open a top-paying 1-year CD with one-fifth of the funds, a top 2-year CD with one-fifth, and so forth through a 5-year CD. This will result in five CDs with terms ranging from one to five years.
  4. After 12 months, the 1-year CD will mature. Withdraw the funds and invest them in a new top-paying 5-year CD.
  5. Every 12 months, withdraw funds from the maturing CD and reinvest it in a top-paying 5-year CD.
  6. After four years, you'll have a portfolio of five 5-year CDs earning top long-term rates. But one of them will mature every 12 months, giving you periodic access to a portion of your funds.

Rate Collection Methodology Disclosure

Every business day, Investopedia tracks the rate data of more than 200 banks and credit unions that offer CDs to customers nationwide, and determines daily rankings of the top-paying certificates in every major term. To qualify for our lists, the institution must be federally insured (FDIC for banks, NCUA for credit unions), and the CD's minimum initial deposit must not exceed $25,000.

Banks must be available in at least 40 states. And while some credit unions require you to donate to a specific charity or association to become a member if you don't meet other eligibility criteria (e.g., you don't live in a certain area or work in a certain kind of job), we exclude credit unions whose donation requirement is $40 or more. For more about how we choose the best rates, read our full methodology.

Tue, 08 Aug 2023 06:57:00 -0500 en text/html https://www.investopedia.com/best-5-year-cd-rates-4801473
AI in Medicine Graduate Certificate

Artificial intelligence is rapidly transforming our society, including many aspects of academic medicine: administration, research, clinical care, and in policy and regulatory environments. Healthcare leaders, scientists, and practitioners need an understanding of and training in how AI is being used in healthcare, the ramifications of its use, and how it will continue to evolve to impact the lives of physicians, researchers, and patients. Those who are in training for a career in medicine will also benefit from this credential, which can help you stand out from competitors. 

Our AI in Medicine Graduate Certificate will provide current and future healthcare leaders with important foundations in understanding and applying AI, as well as the safety, security, and ethics of using the AI to Strengthen the health of and lives of patients. Prepare for the changing landscape of modern medicine with this valuable credential.

Pursuing a graduate certificate in AI in medicine can be a highly rewarding decision for many professionals. 

  • Cultivating Cutting-edge Skills: This program equips students with the latest skills and knowledge to drive innovation in healthcare. It covers a range of topics, from technological advancements to innovative healthcare models, ensuring graduates are at the forefront of the industry.

  • Entrepreneurial Mindset Development: One key focus is fostering entrepreneurial thinking. This mindset is invaluable in today’s healthcare landscape, where creative solutions and strategic risk-taking are essential for addressing complex healthcare challenges.

  • Learning from World-renowned Experts: The program's delivery by world leaders in the field provides students unparalleled insights and expertise. This exposure to top minds in healthcare innovation enriches the learning experience and offers valuable networking opportunities.

  • Career Advancement Opportunities: A graduate certificate in healthcare innovation can open doors to advanced career opportunities. Whether you aim to take on leadership roles, start your own healthcare venture, or contribute to policy development, this program provides the foundation to achieve these goals.

  • Impactful Contribution to Healthcare: By learning how to implement innovative solutions effectively, graduates can make a significant impact in transforming health and healthcare. This is an opportunity to contribute to meaningful change, Strengthen patient outcomes, enhance healthcare delivery, and potentially influence global healthcare systems.

The certificates offer an excellent opportunity for those looking to play a pivotal role in shaping the future of healthcare through innovation and entrepreneurial initiatives.

Curriculum



Tuition & Fees

Courses

Credit hours     

Cost

HCI 611 Foundation of AI in Medicine

3

$1,614

HCI 612 Applications of AI in Medicine

3

$1,614

HCI 614 Integrating AI Into the Clinical Workflow

3

$1,614

HCI 613 Leadership & Ethics of AI in Medicine

3

$1,614

HI 620 Privacy & Security in Healthcare

3

$2,046

Total

15

$8,502

     

Other UAB Institutional Fees

   

Application Fee

 

$50

Late Registration Fee

 

$75

Withdrawl Fee

 

$30

Graduation Fee

 

$50

Medicine Support Fee

 

$250

Total

 

$455

Application Deadlines

  • December 15 — Spring semester

  • May 1 — Summer semester

  • August 1 — Fall semester

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Thu, 16 Nov 2023 02:17:00 -0600 en-US text/html https://www.uab.edu/medicine/biomedicalinnovation/education/ai-in-medicine-graduate-certificate
Certificate of Insurance

Requesting Certificates of Insurance

If an outside entity requests a Certificate of Insurance, please email risk@uwyo.edu with the following information:

  • Name and Address of entity
  • Reason for request (facility rental, contract, etc.)
  • Any documentation outlining insurance requirements

Submitting Certificates of Insurance

If submitting a Certificate of Insurance, please send to:

University of Wyoming
Risk Management and Insurance
Dept. 4305
1000 E University Ave. 
Laramie, WY 82071
email: risk@uwyo.edu

Wed, 11 Dec 2019 21:35:00 -0600 en text/html https://www.uwyo.edu/risk/claims-and-insurance/coi.html
Photography & Video Production

Become a photographic and video content creator through Pratt’s Photography and Video Certificate.

Shoot and retouch photographs for a wide range of genres. Create videos for commercial and art applications. From pre-production to post-production, develop a workflow while building and refining your portfolio/showreel.

This program features small, interactive classes, real-time instruction (either in-person, or on Zoom), free access to software for remote use, and free access to designated campus labs. Students will earn a certificate upon successful completion of all required courses.

Approximate cost of the certificate is $6000.
Learn about Finance Options here.

Certificate Requirements (select six)

  • Adobe After Effects
  • The Photographer’s Eye
  • Finding Your Photographic Style
  • Introduction to Digital Photography and Adobe Lightroom
  • Introduction to Photoshop
  • Photographic Lighting
  • Photoshop Advanced
  • Video Storytelling
  • Video Editing: Premiere Pro

A required class may be substituted for an elective class with prior approval

Photography and Video Production classes also fulfill elective requirements of the following programs:

For advisement contact:
SCPS-NonCredit@pratt.edu

Mon, 08 Aug 2022 04:04:00 -0500 en-us text/html https://www.pratt.edu/continuing-and-professional-studies/certificates/photography-and-video-production/




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