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Fundamentals of Insurance II

Name: Fundamentals of Insurance II
Rating: 4.6 (21498 reviews)

FOI 2 — Practical Insurance Workflows

Created byBassel Zeidan

Last updated 10/2026

English

German [Auto],English [Auto],

What you'll learn

1. Gather relevant initial information from a client or business seeking insurance.
2. Separate perils, hazards, assets, liabilities, financial exposures, and missing information.
3. Explain risk pooling and the role of premium adequacy in accessible language.
4. Differentiate insurer coinsurance, reinsurance, deductibles, excesses, self-insurance, self-insured retention, and dual insurance.
5. Map client exposures to the main classes of general insurance.
6. Compare personal, commercial, property, liability, motor, engineering, marine, aviation, pecuniary, health-related, and packaged solutions at an introductory
7. Explain the roles of buyers, insurers, intermediaries, reinsurers, aggregators, underwriters, claims personnel, loss adjusters, actuaries, and risk managers.
8. Use a basic fact-find or proposal-form structure to capture information accurately.
9. Identify gaps, inconsistencies, and referral points before requesting a quotation or recommendation.
10. Prepare a clear client-facing summary and an internal referral note.

Course content

9 sections • 51 lectures • 8h 49m total length

2.1.1 What Changes in FOI 2 From Knowing to Doing7:41
By the end of this lecture, the learner will be able to apply the concept to a short scenario and identify the correct professional action.
2.1.2 Prerequisite Diagnostic Can You Apply FOI 1?10:40
By the end of this lecture, the learner will be able to complete a diagnostic and identify any modules requiring revision.
2.1.3 Series Case File The Growing Retail and Distribution Company9:15
By the end of this lecture, the learner will be able to extract the known facts, assumptions, and initial questions from the case file.

2.2.1 Why Good Insurance Decisions Begin with Good Information12:15
By the end of this lecture, the learner will be able to apply the concept to a short scenario and identify the correct professional action.
2.2.2 Preparing for a Client Fact-Find13:08
By the end of this lecture, the learner will be able to prepare and complete an introductory fact-find for a business case.
2.2.3 Identifying Assets, Activities, People, and Dependencies12:53
By the end of this lecture, the learner will be able to apply the concept to a short scenario and identify the correct professional action.
2.2.4 Separating Perils, Hazards, Controls, and Consequences13:56
By the end of this lecture, the learner will be able to apply the concept to a short scenario and identify the correct professional action.
2.2.5 Reading and Completing a Proposal Form17:15
By the end of this lecture, the learner will be able to complete, audit, and escalate incomplete or ambiguous fields.
2.2.6 Spotting Missing, Ambiguous, and Inconsistent Answers13:33
By the end of this lecture, the learner will be able to apply the concept to a short scenario and identify the correct professional action.
2.2.7 Workshop Build a Missing-Information Register14:16
By the end of this lecture, the learner will be able to complete a structured workplace task and compare the output with a model framework.

2.3.1 The Insurance Journey Enquiry, Fact-Find, Submission, Quote, and Decision12:17
By the end of this lecture, the learner will be able to prepare and complete an introductory fact-find for a business case.
2.3.2 Offer, Acceptance, Premium, and the Evidence of Cover12:12
By the end of this lecture, the learner will be able to identify the key stages and supporting evidence in a simplified transaction.
2.3.3 Policy Schedule, Wording, Endorsements, and Certificates in Practice11:56
By the end of this lecture, the learner will be able to apply the concept to a short scenario and identify the correct professional action.
2.3.4 Renewals, Mid-Term Changes, and Record Keeping9:35
By the end of this lecture, the learner will be able to identify renewal, amendment, and record-keeping actions.
2.3.5 When Information Changes Disclosure and Escalation10:25
By the end of this lecture, the learner will be able to apply the concept to a short scenario and identify the correct professional action.
2.3.6 Workshop Reconstruct a Case Timeline12:05
By the end of this lecture, the learner will be able to complete a structured workplace task and compare the output with a model framework.

2.4.1 Risk Pooling and the Law of Large Numbers10:24
By the end of this lecture, the learner will be able to describe pooling and the law of large numbers in plain language.
2.4.2 Why Premiums Differ Risk Segmentation and Fair Pricing9:20
By the end of this lecture, the learner will be able to explain why two apparently similar risks may not attract identical terms.
2.4.3 Insurer Capacity and Why Risks May Be Shared8:47
By the end of this lecture, the learner will be able to recognize capacity issues and identify the appropriate next step.
2.4.4 Coinsurance Between Insurers8:49
By the end of this lecture, the learner will be able to explain insurer participation and proportional responsibility.
2.4.5 Reinsurance What Entry-Level Professionals Need to Know7:01
By the end of this lecture, the learner will be able to explain why primary insurers may transfer part of an exposure.
2.4.6 Deductibles, Excesses, and Self-Insured Retentions10:49
By the end of this lecture, the learner will be able to distinguish deductible, excess, and self-insured retention examples.
2.4.7 Dual Insurance, Contribution, and Self-Insurance11:59
By the end of this lecture, the learner will be able to calculate and explain a proportionate contribution example.

2.5.1 How to Use a Coverage Map Without Overpromising11:48
By the end of this lecture, the learner will be able to connect exposures to possible product categories and identify referral limits.
2.5.2 Property Insurance Solutions12:54
By the end of this lecture, the learner will be able to identify property needs and note wording-dependent questions.
2.5.3 Motor Insurance Solutions11:03
By the end of this lecture, the learner will be able to identify relevant motor questions and referral needs.
2.5.4 Liability Insurance Solutions12:49
By the end of this lecture, the learner will be able to identify possible liability exposures and information requirements.
2.5.5 Engineering and Construction Insurance Solutions11:12
By the end of this lecture, the learner will be able to recognize engineering-related exposures requiring specialist referral.
2.5.6 Pecuniary and Business Interruption Solutions12:28
By the end of this lecture, the learner will be able to identify business-interruption and other financial-loss exposures.
2.5.7 Marine, Cargo, and Aviation Solutions9:59
By the end of this lecture, the learner will be able to identify marine, cargo, and aviation referral questions.
2.5.8 Health-Related, Personal Accident, and Packaged Solutions10:41
By the end of this lecture, the learner will be able to identify broad needs while recognizing market-specific product boundaries.
2.5.9 Workshop Match Exposures to Possible Coverage Categories15:07
By the end of this lecture, the learner will be able to complete a structured workplace task and compare the output with a model framework.
2.5.10 Common Product-Matching Mistakes11:38
By the end of this lecture, the learner will be able to apply the concept to a short scenario and identify the correct professional action.

2.6.1 How the Insurance Market Fits Together9:53
By the end of this lecture, the learner will be able to map the participants involved in a basic insurance journey.
2.6.2 Buyers and Their Different Needs9:13
By the end of this lecture, the learner will be able to distinguish personal, partnership, company, public-body, and association needs.
2.6.3 Insurers, Underwriters, and Capacity7:52
By the end of this lecture, the learner will be able to recognize capacity issues and identify the appropriate next step.
2.6.4 Brokers, Agents, and Other Intermediaries7:44
By the end of this lecture, the learner will be able to explain when a broker, agent, or other intermediary becomes involved.
2.6.5 Aggregators and Direct Distribution Channels7:08
By the end of this lecture, the learner will be able to explain how distribution channel affects the customer journey.
2.6.6 Claims Personnel, Loss Adjusters, and Loss Assessors7:40
By the end of this lecture, the learner will be able to distinguish the roles of claims staff, loss adjusters, and loss assessors.
2.6.7 Risk Managers, Actuaries, Compliance, and Internal Audit8:29
By the end of this lecture, the learner will be able to apply the concept to a short scenario and identify the correct professional action.
2.6.8 Workflow Workshop Who Handles the Next Step?12:01
By the end of this lecture, the learner will be able to complete a structured workplace task and compare the output with a model framework.

2.7.1 Knowing Your Authority and When to Refer11:31
By the end of this lecture, the learner will be able to recognize authority limits and refer a case with a clear decision request.
2.7.2 Writing a Clear Internal Referral Note11:19
By the end of this lecture, the learner will be able to write a referral note with facts, gaps, concerns, and the requested decision.
2.7.3 Explaining Coverage Needs Without Promising Cover8:36
By the end of this lecture, the learner will be able to explain possible next steps without making an unauthorized coverage promise.
2.7.4 Handling Client Questions and Uncertain Answers8:17
By the end of this lecture, the learner will be able to apply the concept to a short scenario and identify the correct professional action.
2.7.5 Workshop Prepare a Client Summary and Referral9:14
By the end of this lecture, the learner will be able to complete a structured workplace task and compare the output with a model framework.

2.8.1 Capstone Brief Client Insurance Placement Pack8:27
By the end of this lecture, the learner will be able to complete the relevant capstone component using the supplied rubric.
2.8.2 Capstone Walkthrough and Model-Answer Framework8:21
By the end of this lecture, the learner will be able to complete the relevant capstone component using the supplied rubric.
2.8.3 Capstone Debrief What a Strong Placement Pack Shows6:05
By the end of this lecture, the learner will be able to complete the relevant capstone component using the supplied rubric.
2.8.4 Readiness Check for Fire and Allied Perils3:38
By the end of this lecture, the learner will be able to apply the concept to a short scenario and identify the correct professional action.
2.8.5 Bridge to Advanced Property Practice4:03
By the end of this lecture, the learner will be able to explain which completed competencies will be used in the next course.

Requirements

Learners should be able to: • explain insurance as a risk-transfer mechanism; • identify common perils and hazards; • apply a simple risk matrix; • classify basic risks; • explain the major insurance principles; • work with simple percentages and policy limits.

Description

Course Title: FOI 2: Fundamentals of Insurance II — Practical Insurance Workflows

This course contains the use of artificial intelligence. Selected instructional visuals are AI-assisted.

FOI 2: Fundamentals of Insurance II helps you turn foundational insurance knowledge into practical workplace skills. Through a recurring retail and distribution company case, you will learn how to gather and review client information, complete proposal forms, identify missing details, navigate insurance solutions, and communicate cases clearly.

The course follows the insurance journey from the initial enquiry and fact-find through submission, quotation, evidence of cover, policy documents, renewals, and mid-term changes. It also explains risk pooling, risk sharing, insurer capacity, reinsurance, deductibles, dual insurance, contribution, and self-insurance in an applied context.

You will examine how insurers, underwriters, brokers, agents, claims personnel, loss adjusters, risk managers, actuaries, compliance teams, and other market participants work together. Practical exercises help you recognise authority limits, prepare referrals, explain uncertainty, and avoid making unsupported coverage promises.

What You Will Learn

Use fact-finding tools, proposal forms, coverage maps, workflow diagrams, referral templates, scenario exercises, and model answers to practise common entry-level insurance tasks. Connect client exposures with possible insurance categories while recognising when policy wording, market practice, missing information, or professional authority requires clarification or referral.

What you’ll learn

Apply the principles introduced in FOI 1 to realistic client and workplace scenarios.
Prepare for and conduct an introductory client fact-find covering assets, activities, people, and business dependencies.
Distinguish perils, hazards, controls, and consequences when reviewing client exposures.
Complete and audit a proposal form, identify missing or inconsistent information, and prepare a missing-information register.
Map the insurance journey from enquiry and submission through quotation, acceptance, evidence of cover, policy documentation, renewal, and policy changes.
Explain risk pooling, segmentation, insurer capacity, coinsurance, reinsurance, deductibles, excesses, self-insured retentions, dual insurance, contribution, and self-insurance.
Match exposures with possible property, motor, liability, engineering, construction, business-interruption, marine, cargo, aviation, health-related, personal-accident, and packaged insurance solutions.
Identify the roles of insurance-market participants and explain how information and responsibility move between them.
Recognise authority limits, prepare clear internal referral notes, respond professionally to uncertain questions, and explain possible coverage needs without promising cover.
Prepare a Client Insurance Placement Pack containing fact-find information, exposure analysis, possible coverage categories, information gaps, referral notes, and a client-facing summary.

Who This Course Is For

Ideal for students, job seekers, new insurance employees, customer-service and administrative staff, call-centre agents, sales personnel, and aspiring broking, underwriting, or claims professionals.

The course is particularly useful for learners who understand basic insurance principles and want to develop practical skills in fact-finding, proposal handling, coverage navigation, documentation, referral, and professional communication.

Course Prerequisite

You should complete FOI 1: Fundamentals of Insurance I — Risk Foundations and Core Principles before starting this course, or have equivalent knowledge of risk assessment, risk management, insurance terminology, policy documents, and core insurance principles.

Your Instructor

Bassel Zeidan is a General Insurance Specialist with over 15 years of experience in Dubai-based insurance companies and a decade of coaching and training. A member of the Chartered Insurance Institute and a certified insurance professional, he brings practical industry insights to the lessons.

Move beyond knowing insurance terminology and begin applying it through structured client fact-finding, coverage navigation, documentation, communication, and referral workflows.

Who this course is for:

Learners who completed FOI 1
Entry-level underwriting assistants
Broker-support and placement-support staff
Insurance sales and customer-service staff
Claims-support employees
New insurance operations employees
Junior account handlers
Aspiring property underwriters

Fundamentals of Insurance II

What you'll learn

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Course content

Module 1: Bridge from Foundations to Workflow3 lectures • 28min

Module 2: Client Fact-Finding and Proposal Workflow7 lectures • 1hr 37min

Module 3: From Proposal to Insurance Contract6 lectures • 1hr 9min

Module 4: Risk Pooling, Sharing, and Retention7 lectures • 1hr 7min

Module 5: Navigating General Insurance Solutions10 lectures • 2hr

Module 6: The Insurance Market and Professional Handoffs8 lectures • 1hr 10min

Module 7: Triage, Referral, and Stakeholder Communication5 lectures • 49min

Module 8: FOI 2 Capstone and Advanced-Course Bridge5 lectures • 31min

FOI 2 - Final Exam0

Requirements

Description

Who this course is for: