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Ruble Graduate Seminar

Oct 13, 2026 - Oct 14, 2026 | Oklahoma City

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Attention: This course is not approved for State reported continuing education credits.

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Designated participants are only allowed to register for this course.

This Online MEGA is allowed only for CIC, CRM and CPRM Dues Paid designees.

To earn designation update credit in this course, you MUST have paid your annual dues. Please click the link to Pay your Dues

In the case of multiple licenses, please enter your resident state license information as CE credit will only be processed for one state. Modifications to your CE request may be made up until the last day of the course through the My Courses tab in your PROfile. Certain states have rules regarding repetition of courses, please review those requirements prior to requesting CE credits.

IMPORTANT: If you have previously taken this course it is imperative that you review the repetition rules established by your State Department of Insurance as some states do not allow a course to be repeated within a certain period of time.

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OVERVIEW AND TOPICS

Main Street America's Ancillary Property Coverages and Catastrophic Loss

What are the hidden issues of insuring 100+ year-old buildings bought for a fraction of what it would take to rebuild them? These buildings are often bought and insured by small business enterprises as a home to their business model and give little thought to the ramifications of sharing walls with their neighbors and the effect of their insurance choices (especially Replacement Cost vs Actual Cash Value) on their livelihood and business viability. Using 4 catastrophic losses in 4 years, participants will examine catastrophic preparedness and ancillary issues, such as: shared walls, OSHA involvement, line of sight, contractors, and weather after the weather event. They will discuss ancillary coverage considerations with debris removal, business income extra expense, ordinance and law, and more.

Main Street America's Property Coverage Traps & Dilemmas

How do insurance professionals appropriately insure Main Street America’s real property with 100+ year-old buildings that are purchased for a few hundred thousand dollars and have a multi-million-dollar replacement cost estimator? In this session, participants discuss the built-in moral hazard and contemplate the appropriate property coverage form choice (Replacement Cost, Functional Replacement Cost, Actual Cash Value) and its effect on the insured’s exposures and viability of their business. Using 4 catastrophic losses in a 4-year period, they will examine the reasons why insurance professionals must insure to the catastrophic loss exposure and not be lulled to sleep by satisfactory partial loss settlements.

Challenges Correctly Covering Condos & Cars

Participants will analyze significant issues encountered when writing residential condominium coverage. They will examine coverages and exclusions provided in the latest edition of the Homeowners 6 – Unit-Owners Form. They will discuss key definitions and examine the differences between the HO 00 06 and HO 00 03 (Homeowners 3 – Special Form). They will discuss ways to close coverage gaps using HO endorsements and examine possible solutions to better serve their clients. They will discuss the challenges with providing insurance coverage for Transportation Network Companies (TNCs), electric bikes and scooters, and autonomous driving vehicles. They will review coverage issues, as to what is or is not covered by the PAP and explore potential solutions to fill the gaps to better serve their insureds.

Life Insurance...Benefits for the Living

There are several common reasons for buying life insurance. In this session, insurance professionals will discuss the “living benefits” of life insurance, not death benefits. They will gain a better understanding of the types of permanent life insurance policies – Whole Life, Universal Life, Indexed Life, and Variable Life. They will learn how each type can be used to provide a living benefit to the owner or beneficiaries. They will examine the non-forfeiture options and life insurance policy riders. They will discuss the purpose of a Buy-Sell Agreement and Key Person Insurance. They will learn how life insurance can be used to fund a Life Insurance Retirement Plan (L.I.R.P.). They will review the type and classification of annuity products and learn how they can be used to provide living benefits.

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