High quality continuing education for independent insurance agents, brought to you via live streaming video.

What's the ABEN Difference?

The ABEN Difference

The Agents & Brokers Education Network (ABEN) is a joint project of state insurance and brokers associations who have a common goal: improving the quality and accessibility of distance learning opportunities available to their members.

Others' Technology

Webinar technology has, for some time, been a common offering of many participating ABEN associations. Combining powerpoint slides delivered via the internet with audio of the instructor, either by telephone or internet, the webinar format allows for the delivery of educational content in a convenient, but visually limited fashion.

ABEN's Technology

The ABEN network is founded on the use of streaming video content over the internet that provides the participant with live, full motion video of the presenter, high quality audio, along with coordinated powerpoint slides. The ABEN platform, provided by Business Professionals' Network and its technology partner, BizVision, also allows the end user to fully participate in the webcast by downloading written materials, emailing questions to presenters in real time, making notes in the viewer "notes" area, and emailing those notes to themselves for later use.

ABEN's Production Values

ABEN programming features enhanced production values and formats appropriate to the video medium. Presenters interact with each other as well as you, the ABEN participant. This delivers an educational experience that is engaging, interesting, as well as professionally rewarding.

It is this unique combination of valuable information delivered using interactive live, video and audio internet technology that define The ABEN Difference.

About ABEN

About ABEN

The Agents and Brokers Education Network (ABEN), founded by state associations of independent insurance agents, is dedicated to bringing highly relevant, interactive, and professionally produced continuing education programs to independent agents in the most convenient and economical ways possible.

ABEN is managed by Business Professionals' Network, Inc., the leader in association-based continuing professional education, using video streaming technology for the delivery of highly produced, valuable information to help the professional succeed. ABEN is intended to provide the insurance agent/broker with an efficient and effective medium for receiving live as well as archived educational courses through the state associations to which they belong.

ABEN was founded by a group of state insurance and brokers associations and will serve state insurance and brokers associations nationally as a platform to showcase and exchange the best in continuing education for mutual benefit of the associations and their membership. Business Professionals' Network manages the network and ensures the performance of the cutting edge technology that is the hallmark of ABEN. A list of all participating associations can be found on the ABEN site.

More information about ABEN course offerings can be found below.

For more information on ABEN, please visit www.aben.tv.

Independent Insurance Agents & Brokers of South Carolina

Welcome to ABEN

Please note: You will need to create a login and password the first time you purchase from your association's ABEN catalog. Your association login and password will not work in this catalog. Thanks!

Please go directly to the Self Study or Non-CE tabs to view additional course options that DO NOT filter when a category is selected!

On-Site Group

Individual Viewer

  • June 5, 2014 1:00 PM EDT
  • July 24, 2014 10:00 AM EDT
  • August 22, 2014 1:00 PM EDT
  • September 17, 2014 10:00 AM EDT
  • October 23, 2014 1:00 PM EDT
  • December 4, 2014 10:00 AM EST

Hot Topics in Personal Lines

Length: 2 hours

State Approval Information Details:

State Specific Details:

TN, SC - This course is approved for 2 hrs CE in these states

OH - This course is approved for 2 Hours CE in Ohio - Course#37932

NJ - This course is approved for 2 hours CE in New Jersey - Course # 88892516

WI - This course is apporved for 2 hours CE - Course # 67704

VT - This course is approved for 2 hrs CE - Course # 25301

UT - This course is approved for 2 hrs CE - Course # 29361

MD - This course is approved for 2 hrs CE - Course # C12292



Course Description:

This seminar begins with a practically oriented inquiry into how losses are adjusted on a day-to-day basis.  The seminar introduces not only the two key adjustment valuation measures – “actual cash value” and “replacement cost” – but also stresses to the students that the concepts are not as uniform and concrete as industry practice may suggest.  It then explains why this matters and includes practical illustrations of loss adjustment scenarios in which it is either impractical, impossible, or at least implausible to recreate precisely what the insured had prior to the loss.  These situations include older homes with ornate or impossible to replace materials; farm structures which cannot be rebuilt; and similar instances in which loss adjustment or settlement is complicated.

The seminar then turns to the increasingly frequent and vexing problem of who is a “resident” of a household for insurance purposes.  For nearly two decades, states such as Indiana has used formulations such as, “[O]n the whole, the person will be a resident if all the facts demonstrate that he or she has maintained a ‘fixed abode’ in the household for some continuous time.”  (Allstate Insurance Co v. Shockley (S.D. In. 1991)).

Practically speaking, this is not of much assistance to producers.  The section (and the problem) is illuminated by examining some of the other rules for “residency,” such as:

  • The person need not be a permanent member of the household.
  • The person must possess the subjective intent to stay for more than a “transitory” period;
  • That subjective intent may be found in objective words and actions.

The seminar then turns to issues connected with having a personal lines insured operate a business out of the insured home.  This section discusses the prevalence of such arrangements, and also how those arrangements are treated under industry standard forms.  This section concludes with a discussion of case law. 

Presenter  Richard S. Pitts





Produced By:

Insurors of Tennessee: An Association of Independent Insurance Agents


  • Richard S. Pitts

Course Materials

  • Hot Topics in Personal Lines Course Materials