Policy Category. The online courseware fits within Category B of the Policy.
Policy Category. A = Tax Qualified (TQ) Individual Policy is filed as a TQ individual policy with the New York State Department of Financial Services and each insured receives an individual policy. Policy marketed and issued directly from the Insurer to the insured. B = TQ Organization Sponsored Policy is filed as a TQ individual policy with the New York State Department of Financial Services, and each insured receives an individual policy. This category differs from the "Individual" category in that the policies are marketed to insureds through an organization (e.g., employer or association). This organizational involvement could be minimal or extensive. Such involvement might include organizational endorsement, participation in the promotion of the product, negotiation of premium discounts for members, facilitation of enrollment, payroll deductions, etc. This category of policy is sometimes referred to as "List Xxxx Rate" or "Franchise." C = TQ Group Policy is filed with the New York State Department of Financial Services as a TQ "Group" policy. Group policy contracts are made with an employer or other entity (e.g. association) that covers a group of persons identified as individuals by reference to their relationship to the entity. The actual policy is held by the employer or other entity. Each insured receives a certificate under the policy, rather than an individual policy. The policy is marketed through the group.
Policy Category. This course fits within Category III of the policy.
Policy Category. This course fits within Category IV of the policy.
