Kaplan University School of Professional and Continuing Education Kaplan University School of Professional and Continuing Education

Kaplan Total Access CE for Life & Health in Texas

Total Access CE for Life & Health

Total Access CE - Life & Health lets you take all the online continuing education courses you want for one price. It offers the most economical way to satisfy your life and health CE requirements in Texas with courses that are easy to navigate and written by industry experts.

The library includes:

  • 365 days of unlimited access to all Life & Health courses in our Insurance CE library*
  • Immediate results with instant exam scoring
  • Unlimited exam retakes
  • Interactive CE tracking system
  • Printable certificate
  • CE submission to one state

*In applicable states, the library includes additional topics such as Ethics, Anti-Money Laundering, and Annuity and LTC Training courses.

Classroom Equivalency (CLEQ) Courses
Students taking CLEQ courses must complete the Feedback unit found at the end of the course in order for the course to be considered complete.

Repeating a CE Course?
Some courses may not be repeated within the same licensing period. See your state’s requirements page for more details.

Select a Product Price
Total Access CE - Life and Health $39.00  Add to Cart 

Total Access CE (Life & Health) lets you take all the online continuing education courses you want for one price. It offers the most economical way to satisfy your Life & Health CE requirements with courses that are easy to navigate and written by industry experts.

The library includes:

  • 365 days of unlimited access to all Life & Health courses in our Insurance CE library
  • Immediate results with instant exam scoring
  • Unlimited exam retakes
  • Interactive CE tracking system
  • Printable certificate
  • CE submission to one state

In applicable states, the library includes additional topics such as Ethics, Anti-Money Laundering, and Annuity and LTC Training courses.

Annuity Training
Course(s) Credit Hours
Annuity Suitability: 4-Hour Training Course, 2nd Edition [meets state's initial annuity training requirement and part of the 8-hour annuity CE requirement; ClearCert approved]
Cert-Annuity 4

Skill Level: Intermediate 

This course was developed to satisfy the NAIC annuity training course requirement. Learn the fundamentals of the annuity contract, suitability, and sales practices. Learn about variable and fixed annuities, single and periodic premiums, and immediate and deferred annuities. Appropriate uses for different annuities and tax rules are also discussed.

Classroom Equivalency Course - Texas Annuity Fundamentals [meets 8-hour annuity CE requirement]
CE-Annuity 8

Skill level: Intermediate

Meet your 8-hour annuity CE course requirement in Texas. All Texas resident life agents who sell, solicit, or negotiate annuity contracts must complete 8 hours of annuity CE every licensing period. This annuity CE course covers Texas laws and regulations on annuities and also addresses annuity characteristics, the taxation of annuities, and the popular types and uses of annuities being sold today.

Texas Annuity 4-Hour CE Course [meets part of the 8-hour annuity CE requirement]
CE-Annuity 4

Skill Level: Intermediate

This 4-hour course meets part of Texas's 8-hour annuity CE required every licensing period for Texas resident life agents who sell, solicit, or negotiate annuity contracts. This course covers Texas laws, rules, and regulations on annuities and the popular types and uses of annuities being sold today.

Texas Annuity 8-Hour CE Course [meets 8-hour annuity CE requirement]
CE-Annuity 8

Skill Level: Intermediate 

This 8-hour course fully meets Texas's 8-hour annuity CE course requirement. All Texas resident life agents who sell, solicit, or negotiate annuity contracts must complete 8 hours of annuity CE every licensing period. This annuity CE course covers Texas laws, rules, and regulations on annuities and also addresses annuity characteristics, the taxation of annuities, and the popular types and uses of annuities being sold today. 

Anti-Money Laundering
Course(s) Credit Hours
Anti-Money Laundering Standards for the Insurance Industry
General 2
Eligible CFP® CE Hours 2

Skill Level: Intermediate

This course contains the recommended core elements of an anti-money laundering (AML) program for life insurance companies. Key topics covered in the course include trends in money laundering, major laws addressing money laundering, the core components of an insurance company's AML program, the role and responsibilities of life insurance agents, recordkeeping requirements, and reporting requirements and penalties for violating AML laws and regulations.

Please note, you will receive CE credit hours for this course awarded by the Department of Insurance in the state you've selected. The following statement is not applicable unless you are a Minnesota-resident producer:
This course has been approved by the Minnesota Commissioner of Commerce for 2 hours of insurance continuing education (Applies to MN insurance CE courses only; statement required by MN DOC).

Anti-Money Laundering Training for Insurance Professionals
General 2

Skill Level: Intermediate

This course contains the recommended core elements of an AML program for life insurance companies, as well as directions on how to integrate insurance agents and brokers into the insurance company's AML program, including those associated with independent agencies. Major topics addressed in the course include trends in money laundering, major laws addressing money laundering, the core components of an insurance company's anti-money laundering program, the role and responsibilities of life insurance agents, recordkeeping requirements, and reporting requirements and penalties for breaking AML laws and regulations.

Anti-Money Laundering: Suspicious Activities and SARs
General 1
Eligible CFP® CE Hours 1

Skill Level:  Intermediate

This course introduces agents and representatives to the concept of money laundering, reviews the history of anti-money laundering legislation and focuses on the importance of suspicious activities and Suspicious Activities Reports (SARs). Realizing that agents and representatives are on the front lines dealing directly with customers, the course specifically focuses on the "red flag" behavior of customers that indicate unusual behavior and that may indicate suspicious activities.

Please note, you will receive CE credit hours for this course awarded by the Department of Insurance in the state you've selected. The following statement is not applicable unless you are a Minnesota-resident producer:

This course has been approved by the Minnesota Commissioner of Commerce for 1 hour of insurance continuing education (Applies to MN insurance CE courses only; statement required by MN DOC).

Certification
Course(s) Credit Hours
Texas 8-Hour Medicare Certification Course, 2nd Edition
Cert-Medicare Related 8

Skill Level: Intermediate

This course covers Medicare Parts A, B, C, and D as well as Medicare Supplement insurance policies. The course focuses on topics related specifically to Medicare-related products, state and federal laws and rules related to Medicare-related products, prohibited sales practices regarding Medicare-related products, topics related to the suitability of sales of Medicare-related products, and fraudulent and unfair trade practices regarding the sale of Medicare-related products. Particular attention is devoted to Medicare Advantage Plans, Medicare Advantage Prescription Drug Plans, and Medicare Prescription Drug Plans.

Classroom Equivalency
Course(s) Credit Hours
Classroom Equivalency Course - Anti-Money Laundering Laws and Practices
General 3

Skill Level: Intermediate

The Anti-Money Laundering Laws and Practices course describes the various techniques criminals use to launder money through the financial industry and includes a discussion of the regulations designed to detect, monitor, and prevent these criminal actions. Individuals who take this course will learn how to recognize activities that should be considered unusual or suspicious. The course covers the Bank Secrecy Act of 1970, from its legislative history to its present day applications in the securities, insurance, and banking industries. Also included is a review of the International Money Laundering Abatement and Anti-Terrorists Financing Act of 2001. This act stems from Title III of the USA Patriot Act of 2001, which was passed in response to the terrorist attacks on September 11, 2001. It enhances the government's ability to fight money laundering by monitoring currency transactions and suspicious financial activities.

Classroom Equivalency Course - Commercial Lines Concepts, 2nd Edition
General 9

Skill Level: Basic

Get a comprehensive look at key commercial insurance lines, including commercial property, ocean and inland marine, commercial general liability, commercial auto, commercial crime, and workers' compensation. Learn the coverages, exclusions, and conditions of each policy.

Classroom Equivalency Course - Executive Benefit Plans
General 3

Skill Level: Intermediate

Employers  rely on key employees for their business success. This course provides important information on the tools available to employers to recruit, retain and reward those key employees.

Classroom Equivalency Course - ILITs and Estate Planning, 2nd Edition
General 2

Skill Level: Advanced

Irrevocable life insurance trusts (ILITs) are a tax-effective method of paying estate settlement costs. This course covers elements of a trust, different methods for paying estate taxes, the use of life insurance for this purpose, and the value of paying premiums through annual gifts to an ILIT.

Classroom Equivalency Course - Insurance Fraud Awareness, 3rd Edition
General 6

Skill Level:

Intermediate 

Course Description:

Insurance fraud is a costly problem for the insurance industry, policyholders, and the general public. Learn techniques to identify and fight fraud at the time a policy is purchased or when a claim is made. Property insurance, auto insurance, and workers comp are three of the policy types covered.

Classroom Equivalency Course - Legal Concepts and Doctrines, 2nd Edition
General 4

Skill Level:

Intermediate 

Course Description:

What concepts of legal responsibility underlie our system of insurance? This course covers our system of courts and the laws they administer, including contract and tort law, intentional torts, negligence, and strict liability, and how these principles of law affect the investigation, evaluation, and disposition of an insurance claim.

Classroom Equivalency Course - Senior Needs Planning, 5th Edition
General 7

Skill Level: Intermediate

Understand the financial concerns facing your retired clients. This course will help you increase the value of the consultative services you provide your clients by offering strategic solutions to address those concerns and make you aware of the market conduct and ethical issues involved in serving the senior market.

Estate Planning
Course(s) Credit Hours
Problematic Beneficiary Designations, 2nd Edition
General 4

Skill Level: Advanced 

Discover potential problems in beneficiary designations for life insurance,annuities, and retirement plans. Learn the tax consequences of these designations, complications when children are named, the use of trusts to solve problems, and your role in the beneficiary designation process.

This course has been approved by the Minnesota Commissioner of Commerce for 4 hours of insurance continuing education (Applies to MN insurance CE courses only; statement required by MN DOC).

Ethics-Approved For INS Ethics Only
Course(s) Credit Hours
Classroom Equivalency Course - Texas Insurance Ethics and Consumer Protection, 2nd Edition
Ethics 3

Skill Level: Basic 

Insurance professionals will learn why ethical conduct is good business. This course is appropriate for life and health and property and casualty staff and producers, and it satisfies the state-specific ethics and law requirements in many states.

Ethical Insurance Producer [Approved for Insurance Ethics not CFP Ethics]
Ethics/Consumer Protection 3
Eligible CFP® CE Hours 3

Skill Level: Basic 

Here is an excellent introduction to the life and health insurance producer's ethical responsibilities to insurers, their clients, the public, and the state. The course focuses on the expression of ethical principles in the daily activities of life and health insurance producers.

Financial Planning
Course(s) Credit Hours
Equity-Indexed Annuities, 3rd Edition
General 3

Skill Level: Intermediate 

Learn the most important concepts relating to equity-indexed annuities (EIAs). This course describes EIA designs, features, and performance in detail. It also shows examples of the way various EIA design structures perform under different market conditions and why indexing is a solid investment strategy for the traditional annuity buyer.

Financial Exploitation of Seniors and Annuity Suitability (FINRA Rule 2330)
General 2
Eligible CFP® CE Hours 1.5

Skill Level:  Intermediate 

Financial exploitation occurs when a person misuses or takes the assets of a vulnerable adult for their own personal benefit.  Assets are commonly taken via forms of deception, false pretenses, coercion, harassment, duress and threats. This course will provide answers to these questions: What is financial exploitation? Who does it impact? What are the signals? Why should you care? What to do about it?

Additionally, this course will review the features of a variable annuity, suitability of variable annuities, and supervisory responsibilities in regards to variable annuities.

Please note, you will receive CE credit hours for this course awarded by the Department of Insurance in the state you've selected. The following statement is not applicable unless you are a Minnesota-resident producer:

This course has been approved by the Minnesota Commissioner of Commerce for 2 hours of insurance continuing education (Applies to MN insurance CE courses only; statement required by MN DOC).

Financial Planning Process, 9th Edition
General 8
Eligible CFP® CE Hours 5

Difficulty Level: Advanced

Get clued into the financial planning process and the financial services industry. This course covers the basic analytic tools of the trade, income tax planning, risk management planning, retirement planning, wealth accumulation planning, estate planning, and business planning, and concludes with a look at the profession.

Financial Products Training Course, 7th Edition (Texas)
General 11

Skill Level: Advanced

Give your producers and brokers a practical and sales-oriented look at how each financial product works, including its tax consequences and its relative strengths and weaknesses. This comprehensive book covers deposit accounts, insurance, annuities, securities, mutual funds, and qualified retirement plans. Separate units focus on the risk-return tradeoff and selecting the right investment.

Indexed Products, 2nd Edition
General 6

Skill Level: Intermediate 

The growth in popularity of indexed insurance products, specifically fixed indexed annuities and fixed indexed life insurance policies, has been dramatic. While these products are considered fixed contracts, the interest that is credited to these products is based on the performance of an external financial index.  The basic concepts of these products may seem simple, but they are among the most complex of all insurance products. To many, they fall in the middle of the risk spectrum, between traditional fixed annuities and life insurance policies and variable annuities and variable life insurance policies.

This course will explain how these products compare and contrast with their fixed counterparts.  The course will also cover in detail different interest crediting methods and design characteristics of the indexed product, and the important suitability and market conduct issues related to these products.

Variable Contracts, 2nd Edition Revised
General 6
Eligible CFP® CE Hours 5

Skill Level: Intermediate 

Take your knowledge of variable contracts to the next level. Learn to describe the formal characteristics of fixed premium variable life, variable universal life, and variable annuities to prospects and clients; determine suitability requirements of variable contracts; and explain and recommend asset allocation based on your clients' needs.

Health Insurance
Course(s) Credit Hours
Financial Exploitation of Seniors: Why Insurance Agents Should Care
General 2
Eligible CFP® CE Hours 1.5

Skill Level: Intermediate

Financial exploitation occurs when a person misuses or takes the assets of a vulnerable adult for their own personal benefit. This frequently occurs without the explicit knowledge or consent of a vulnerable adult, depriving them of vital financial resources for their personal needs. Assets are commonly taken via forms of deception, false pretenses, coercion, harassment, duress and threats.

This course will provide answers to these questions: What is it? Who does it impact? What are the signals? Why should you care? What to do about it?

Please note, you will receive CE credit hours for this course awarded by the Department of Insurance in the state you've selected. The following statement is not applicable unless you are a Minnesota-resident producer:

This course has been approved by the Minnesota Commissioner of Commerce for 2 hours of insurance continuing education (Applies to MN insurance CE courses only; statement required by MN DOC).

Group Insurance, 7th Edition
General 5

Skill Level: Intermediate 

Group insurance is a different animal. Get practical advice on enrolling, installing, and servicing group plans for life, health, and long-term care insurance. This course includes coverage of tax rules, Section 125 plans, and the impact of managed care and health insurance portability requirements

Health Care Reform, 3rd Edition
General 2

Skill Level:

Intermediate  

Course Description:

This course describes and explains the provisions of the Affordable Care Act--the legislative package that includes the Patient Protection and Affordable Care Act, and the subsequent reconciliation bill, the Health Care and Education Reconciliation Act of 2010. This course also highlights the changes to this law as it has been implemented.

Health Savings Accounts, 3rd Edition
General 4

Skill Level: Intermediate

Learn how health savings accounts (HSAs) differ from other health care reimbursement arrangements. This course covers HSA eligibility and the requirement that HSAs be used with a high-deductible health insurance plan. The rules for tax-free distributions, treatment of other distributions and other rules are also covered.

Long-Term Care Concepts, 5th Edition (Texas)
General 2

Skill Level: Basic

This course introduces insurance agents to long-term care (LTC) insurance. Newly revised, this course identifies the health care professionals and organizations that provide LTC services, and defines the various types of LTC settings and the scope of services in those settings. Tax-qualified and non-tax-qualified plans are described in detail. The course also covers Medicaid and Medicare.

Long-Term Care Coverage Combined with Annuities and Life Insurance, 2nd Edition (Texas)
General 4

Skill Level: Intermediate 

This course discusses the combination products in the insurance market as a result of provisions in the Pension Protection Act of 2006 that allow for the integration of long-term care insurance (LTCi) with annuities and life insurance policies. The course details how the LTCi benefit can be part of the base contract or a separate rider to the base contract. In addition, the course defines the market for LTCi products, describes the risk of needing long-term care services, as well as discusses who pays for long-term care.

Long-Term Care, 6th Edition
General 8
Eligible CFP® CE Hours 5

Skill Level: Intermediate

This course introduces insurance agents to long-term care (LTC) insurance. Newly revised, this course identifies the health care professionals and organizations that provide LTC services, and defines the various types of LTC settings and the scope of services in those settings. Tax-qualified and non-tax-qualified plans are described in detail. The course also covers Medicaid and Medicare.

Please note, you will receive CE credit hours for this course awarded by the Department of Insurance in the state you've selected. The following statement is not applicable unless you are a Minnesota-resident producer:

This course has been approved by the Minnesota Commissioner of Commerce for 9 hours of insurance continuing education (Applies to MN insurance CE courses only; statement required by MN DOC).

Medicare and Medigap Insurance, 11th Edition
General 4

Course Difficulty Level:

Intermediate

Course Description:

This course provides thorough coverage of the details concerning both Medicare health insurance and Medigap supplement health insurance policies. Medicare Part C plans (Medicare Advantage) are (is) also discussed. The course provides information on Medicare eligibility requirements and enrollment procedures and explains how health benefit claims are considered in plan coverage. Medicare benefits are explained in detail, including covered services, benefit amounts, claim exclusions, and any applicable copayments and deductibles.  The section of the course covering Medigap supplement insurance includes a discussion of related marketing and sales issues. Case study examples demonstrate how Medigap supplement insurance can complement Original Medicare coverage limitations.

Investments and Financial Planning
Course(s) Credit Hours
Know Your Customer and Variable Annuities (FINRA 2330)
General 3
Eligible CFP® CE Hours 2

Skill level:  Intermediate

This course discusses the key aspects of the FINRA Know Your Customer rule. The course contrasts Know Your Customer requirements with variable annuity suitability requirements. Additionally, this course reviews the features of a variable annuity and supervisory responsibilities in regards to variable annuities.

Please note, you will receive CE credit hours for this course awarded by the Department of Insurance in the state you've selected. The following statement is not applicable unless you are a Minnesota-resident producer:

This course has been approved by the Minnesota Commissioner of Commerce for 3 hours of insurance continuing education (Applies to MN insurance CE courses only; statement required by MN DOC).

Life Insurance
Course(s) Credit Hours
Introduction to Advanced Markets, 4th Edition
General 8
Eligible CFP® CE Hours 5

Skill Level: Intermediate

When producers are ready to move into the advanced markets, this course teaches the concepts they must know to succeed. It explains how to prospect for and get the attention of businessowners. The course presents the issues that are important to businessowners and discusses how producers can meet their needs. It covers succession planning (buy-sell agreements, Section 303 redemptions, and key employee insurance), as well as several insurance products for advanced markets (group insurance, executive bonus, split-dollar plans, qualified retirement plans, and more). Learners discover how to collect the information necessary to develop an effective sales proposal.

Life Concepts, 19th Edition (Texas)
General 11

Skill Level: Basic

This course provides a comprehensive look at the life insurance industry. The first section of the course focuses on general information about insurance, including insurance regulation, insurance law, underwriting basics, and group insurance. The second section explains life insurance, including selling life insurance, policy issuance and delivery, types of insurance policies, policy provisions, policy options, annuities, group life insurance, Social Security and tax considerations, and retirement plans. Review questions conclude each unit. Topics include an introduction to life insurance, the need for life insurance, permanent insurance, term insurance, annuities, policy provisions, riders, premiums, dividends, nonforfeiture and settlement options, policy loans, insurance applications, underwriting, claims, group life insurance, business insurance, retirement plans, tax treatment of life insurance, life insurance companies, legal and professional aspects, and government programs.

Life Insurance Policy Comparison and Underwriting, 2nd Edition
General 7
Eligible CFP® CE Hours 5

Skill Level: Basic 

Take an introductory look at the nature and uses of life insurance, insurance applications and receipts, mortality and rating, underwriting processes and actions, term life insurance, whole life products, specialized policy forms, flexible policies, policy riders, options, provisions, and the use of life insurance for financial planning.

Please note, you will receive CE credit hours for this course awarded by the Department of Insurance in the state you've selected. The following statement is not applicable unless you are a Minnesota-resident producer:

This course has been approved by the Minnesota Commissioner of Commerce for 7 hours of insurance continuing education (Applies to MN insurance CE courses only; statement required by MN DOC).

Life Insurance Policy Comparison and Underwriting, 3rd Edition
General 10

Skill Level: Basic

This in an introductory course in the nature and uses of life insurance, insurance applications and receipts, mortality and rating, underwriting processes and actions, term life insurance, whole life products, specialized policy forms, flexible policies, policy riders, options, provisions, and the use of life insurance for financial planning.

Suitability For Traditional Life And UL Insurance, 2nd Edition
General 2

Skill Level: Basic

This course provides principles and guidelines for determining the suitability of life insurance products and making appropriate recommendations for prospects and clients. It focuses on the proper use and application of term, whole life, and universal life, how these products work, as well as the situations and needs they best serve.

Long-Term Care Training
Course(s) Credit Hours
Long-Term Care and Partnership Program 4-Hour Refresher Course, 2nd Edition [meets refresher training requirement; ClearCert approved]
Long-Term Care 4

Skill Level: Intermediate 

Refresh your understanding of long-term care (LTC) planning. This course, which covers required LTC Partnership and Medicaid training, fulfills the four-hour ongoing training requirement for sellers of LTC insurance policies. Paying for long-term care and long-term care policy features and suitability are also highlighted.

Long-Term Care and Partnership Program 4-Hour Refresher Course, 3rd Edition
Long-Term Care 8

Skill Level: Intermediate

Refresh your understanding of long-term care (LTC) planning. This course, which covers required LTC Partnership and Medicaid training, fulfills the four-hour ongoing training requirement for sellers of LTC insurance policies. Paying for long-term care and long-term care policy features and suitability are also highlighted.

Texas Long-Term Care and Partnership Policies: Initial Course, 2nd Edition, Revised [meets initial training requirement; ClearCert approved]
Cert-LTC-Partnership 8
Eligible CFP® CE Hours 5

Skill Level: Intermediate 

Satisfy your Texas eight-hour long-term care training requirement with this course, which introduces students to the need for long-term care, examines how long-term care insurance can meet long-term care needs, and covers the Texas long-term care partnership program and Medicaid eligibility. Long-term care policy features, benefits, and design options are also discussed.

Property and Casualty
Course(s) Credit Hours
Umbrella Liability Coverage, 4th Edition
General 5

This course delivers an overview of the major coverages, exclusions, and conditions typically included in personal and commercial umbrella policies. Students analyze their company's umbrella policy using a policy analysis manual.

Retirement Planning
Course(s) Credit Hours
401(k) Plans, 6th Edition
General 5

Skill Level: Intermediate 

Learn how to tailor a 401(k) plan for differing needs. This course starts with basic concepts governing 401(k) plans, building to marketing, installation, and administration of these plans. Less expensive SIMPLE plans for small employers are also covered.

This course has been approved by the Minnesota Commissioner of Commerce for 4 hours of insurance continuing education (Applies to MN insurance CE courses only; statement required by MN DOC).

Distribution Planning: Required Distributions, 2nd Edition
General 2

Skill Level: Intermediate 

What happens when the owner of a tax-qualified retirement account reaches age 70½? This course covers IRS rules governing minimum distributions that must be made together with the tax treatment of these distributions. How these rules affect distributions to beneficiaries after the account owner’s death are also covered.

Financial Challenges Facing Retirees, 4th Edition
General 3
Eligible CFP® CE Hours 2.5

Skill Level: Intermediate

Key challenges to the financial security of retirees resources, and strategies for distributing retirement savings to provide income for a lifetime are tackled in this course. Learn the need for post-retirement planning, risk management strategies for addressing illness and injury, long-term care, uninsured death, and outliving one's income.

Principles of Retirement Planning, 6th Edition
General 12
Eligible CFP® CE Hours 5

Skill Level: Intermediate 

This course familiarizes agents with the retirement planning market and the retirement planning process by covering three main areas: analyzing and identifying retirement income needs and how to address those needs, health care and health insurance options, and estate and distribution planning. Topics include needs analysis, Social Security, life insurance and annuities, investment products, qualified plans and IRAs, plans for small business owners, long-term care, and wealth distribution.

Qualified and Nonqualified Plans, 4th Edition
General 9
Eligible CFP® CE Hours 5

Skill Level: Advanced

Learn about pension, profit-sharing and 401(k) plans, as well as IRAs, Keoghs, and nonqualified deferred compensation. This course explains qualification and tax rules for each type of plan and examines each plan's design from the perspective of both employers and employees. Plan installation, administration, and termination are fully explained.

Social Security and Medicare, 4th Edition
General 6

Skill Level: Intermediate

The rules governing Social Security and Medicare are complex, and eligibility requirements and benefit amounts can change frequently. This course will help you understand these programs. The course is divided into two parts and covers both Social Security and Medicare. A useful glossary of terms is included.

Credit hours listed indicate the line of authority for which this state approved the course. Where hours are listed for more than one credit type, you earn only the largest number of hours applicable to your licenses type (i.e., the hours are not added together unless otherwise indicated in the course details).