Health Producer — Information & Free Practice
US-AK · Examination information
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Health Producer
- Provider
- Pearson VUE
- Format
- Multiple-choice examination with general and Alaska portions; both portions must be passed and the entire examination is retaken after failure.
- Exam questions
- Published 2025 outline: 50 scored plus 5 pretest general questions; 40 scored plus 10 pretest Alaska questions.
- Passing score
- Scaled score of 70.
Examination outline
General knowledge I. TYPES OF POLICIES
- A. Disability income
- A. Disability income / 1. Individual disability income policy
- A. Disability income / 2. Business overhead expense policy
- A. Disability income / 3. Business disability buyout policy
- A. Disability income / 4. Group disability income policy
- A. Disability income / 5. Key employee policy
- B. Accidental death and dismemberment
- C. Medical expense insurance
- C. Medical expense insurance / 1. Basic hospital, medical, and surgical policies
- C. Medical expense insurance / 2. Major medical policies
- C. Medical expense insurance / 3. Health Maintenance Organizations (HMOs)
- C. Medical expense insurance / 4. Preferred Provider Organizations (PPOs)
- C. Medical expense insurance / 5. Point of Service (POS) plans
- C. Medical expense insurance / 6. Flexible Spending Accounts (FSAs)
- C. Medical expense insurance / 7. High Deductible Health Plans (HDHPs) and related Health Savings Accounts (HSAs)
- C. Medical expense insurance / 8. Health Reimbursement Accounts (HRAs)
- D. Medicare supplement policies
- E. Group insurance
- E. Group insurance / 1. Differences between individual and group contracts
- E. Group insurance / 2. General characteristics
- E. Group insurance / 3. COBRA
- F. Individual/Group Long Term Care (LTC)
- F. Individual/Group Long Term Care (LTC) / 1. Eligibility
- F. Individual/Group Long Term Care (LTC) / 2. Levels of care
- G. Other policies
- G. Other policies / 1. Dental
- G. Other policies / 2. Vision
- G. Other policies / 3. Cancer
- G. Other policies / 4. Critical illness or specified disease
- G. Other policies / 5. Worksite (employer-sponsored)
- G. Other policies / 6. Hospital indemnity
- G. Other policies / 7. Short-term medical
- G. Other policies / 8. Accident
General knowledge II. POLICY PROVISIONS, CLAUSES, AND RIDERS
- A. Mandatory and optional provisions
- A. Mandatory and optional provisions / 1. Entire contract
- A. Mandatory and optional provisions / 2. Time limit on certain defenses (incontestable)
- A. Mandatory and optional provisions / 3. Grace period
- A. Mandatory and optional provisions / 4. Reinstatement
- A. Mandatory and optional provisions / 5. Notice of claim
- A. Mandatory and optional provisions / 6. Claim forms
- A. Mandatory and optional provisions / 7. Proof of loss
- A. Mandatory and optional provisions / 8. Time of payment of claims
- A. Mandatory and optional provisions / 9. Payment of claims
- A. Mandatory and optional provisions / 10. Physical examination and autopsy
- A. Mandatory and optional provisions / 11. Legal actions
- A. Mandatory and optional provisions / 12. Change of beneficiary
- A. Mandatory and optional provisions / 13. Misstatement of age or gender
- A. Mandatory and optional provisions / 14. Change of occupation
- A. Mandatory and optional provisions / 15. Illegal occupation
- A. Mandatory and optional provisions / 16. Relation of earnings to insurance
- B. Other provisions and clauses
- B. Other provisions and clauses / 1. Insuring clause
- B. Other provisions and clauses / 2. Free look
- B. Other provisions and clauses / 3. Consideration clause
- B. Other provisions and clauses / 4. Probationary period
- B. Other provisions and clauses / 5. Elimination period
- B. Other provisions and clauses / 6. Waiver of premium
- B. Other provisions and clauses / 7. Exclusions and limitations
- B. Other provisions and clauses / 8. Preexisting conditions
- B. Other provisions and clauses / 9. Coinsurance
- B. Other provisions and clauses / 10. Deductibles
- B. Other provisions and clauses / 11. Eligible expenses
- B. Other provisions and clauses / 12. Copayments
- B. Other provisions and clauses / 13. Pre-authorizations and prior approval requirements
- B. Other provisions and clauses / 14. Usual, reasonable, and customary (URC) charges
- B. Other provisions and clauses / 15. Lifetime, annual, or per cause maximum benefit limits
- C. Riders
- C. Riders / 1. Impairment/exclusions
- C. Riders / 2. Guaranteed insurability
- C. Riders / 3. Future increase option
- D. Rights of renewability
- D. Rights of renewability / 1. Noncancelable
- D. Rights of renewability / 2. Cancelable
- D. Rights of renewability / 3. Guaranteed renewable
General knowledge III. SOCIAL INSURANCE
- A. Medicare (Parts A, B, C, D)
- B. Medicaid
- C. Social Security benefits
General knowledge IV. OTHER INSURANCE CONCEPTS
- A. Total, partial, recurrent and residual disability
- B. Owner’s rights
- C. Dependent children benefits
- D. Primary and contingent beneficiaries
- E. Modes of premium payments
- F. Nonduplication and coordination of benefits (e.g., primary vs. excess)
- G. Occupational vs. non-occupational
- H. Tax treatment of premiums and proceeds of insurance contracts (e.g., disability income and medical expenses, etc.)
- I. Managed care
- J. Workers Compensation
- J. Workers Compensation / 1. Impact on health insurance benefits
- K. Subrogation
- L. Cost containment
General knowledge V. FIELD UNDERWRITING PROCEDURES
- A. Completing the application
- B. Explaining sources of insurability and HIPAA privacy information (e.g., MIB Report, Fair Credit Reporting Act, etc.)
- C. Initial premium payment and receipt and consequences of the receipt (e.g., medical examination, etc.)
- D. Submitting application (and initial premium if collected) to company for underwriting
- E. Policy delivery
- F. Explaining policy and its provisions, riders, exclusions, and ratings to clients
- G. Replacement
- H. Contract law
- H. Contract law / 1. Elements of a contract
- H. Contract law / 2. Insurable interest
- H. Contract law / 3. Warranties and representations
- H. Contract law / 4. Unique aspects of the insurance contract
- H. Contract law / 4. Unique aspects of the insurance contract / a. Conditional
- H. Contract law / 4. Unique aspects of the insurance contract / b. Unilateral
- H. Contract law / 4. Unique aspects of the insurance contract / c. Adhesion
- H. Contract law / 4. Unique aspects of the insurance contract / d. Aleatory
Alaska laws, rules and regulations I. COMMON TO LIFE, HEALTH (ACCIDENT AND HEALTH), PROPERTY, CASUALTY AND PERSONAL LINES INSURANCE
- A. Director of Insurance
- A. Director of Insurance / 1. Broad powers
- A. Director of Insurance / 2. Adoption of regulations
- A. Director of Insurance / 3. Examination of records
- A. Director of Insurance / 4. Notice and hearing
- A. Director of Insurance / 5. Penalties
- B. Definitions
- B. Definitions / 1. Admitted (authorized) and nonadmitted companies
- B. Definitions / 2. Domestic, foreign, and alien
- B. Definitions / 3. Stock and mutual
- B. Definitions / 4. Premiums
- B. Definitions / 5. Transacting insurance
- B. Definitions / 6. Certificate of Authority
- B. Definitions / 7. Fraternal benefit societies
- C. Licensing
- C. Licensing / 1. License required
- C. Licensing / 2. Maintenance of license
- D. Marketing Practices
- D. Marketing Practices / 1. Unfair practices
- D. Marketing Practices / 3. Fiduciary responsibilities
- D. Marketing Practices / 4. Compensation of licensees
- D. Marketing Practices / 5. Required records and record retention
- D. Marketing Practices / 6. Advertising
- D. Marketing Practices / 7. Controlled business
- D. Marketing Practices / 8. Duty to report fraudulent claims/Immunity from reporting fraudulent claims
- D. Marketing Practices / 9. Alaska Insurance Guaranty Association
- C. Licensing / 1. License required / a. Insurance producer
- C. Licensing / 1. License required / b. Managing general agent
- C. Licensing / 1. License required / e. Firm licenses
- C. Licensing / 1. License required / f. Compliance Officer (Designated Responsible Producer)
- C. Licensing / 1. License required / g. Resident
- C. Licensing / 1. License required / h. Nonresident licensees
- C. Licensing / 1. License required / i. Exceptions
- C. Licensing / 1. License required / j. Producer appointments
- C. Licensing / 1. License required / k. Employment contracts
- C. Licensing / 2. Maintenance of license / a. Renewal
- C. Licensing / 2. Maintenance of license / b. Denial, Nonrenewal, Suspension or Revocation
- C. Licensing / 2. Maintenance of license / c. Continuing education
- D. Marketing Practices / 1. Unfair practices / a. Unfair claims methods and practices
- D. Marketing Practices / 1. Unfair practices / b. Rebating
- D. Marketing Practices / 1. Unfair practices / c. Twisting
- D. Marketing Practices / 1. Unfair practices / d. Misrepresentation
- D. Marketing Practices / 1. Unfair practices / e. Defamation
- D. Marketing Practices / 1. Unfair practices / f. Unfair discrimination
- D. Marketing Practices / 1. Unfair practices / g. Boycott, coercion, and intimidation
- D. Marketing Practices / 6. Advertising / a. Health Discount Plans
Alaska laws, rules, and regulations II. PERTINENT TO HEALTH (ACCIDENT AND HEALTH) INSURANCE ONLY
- A. Definition of health and disability insurance
- B. Discrimination against medical providers
- B. Discrimination against medical providers / 1. Acupuncture coverage
- B. Discrimination against medical providers / 2. Certified nurse midwives
- B. Discrimination against medical providers / 3. Mammograms
- C. Individual disability required provisions
- D. Group insurance
- D. Group insurance / 1. Group disability
- E. Other required provisions for individual or group accident, health, and disability
- E. Other required provisions for individual or group accident, health, and disability / 1. Newly born/adopted/dependent children
- E. Other required provisions for individual or group accident, health, and disability / 2. Alcoholism and drug abuse treatment
- F. Medicare supplement
- F. Medicare supplement / 1. Policy provisions
- F. Medicare supplement / 2. Disclosure provisions
- F. Medicare supplement / 3. Replacement requirements
- F. Medicare supplement / 4. Minimum standards
- F. Medicare supplement / 5. Standards for marketing
- G. Small Employer Health Insurance
- H. Large Group Health Insurance
- I. Long Term Care
- J. Affordable Care Act
- J. Affordable Care Act / 1. Exchanges/Marketplace (Section 1321)
- J. Affordable Care Act / 2. Taxes and subsidies (Section 1401, 1402)
- J. Affordable Care Act / 3. Essential health benefits (Section 1302)
- J. Affordable Care Act / 4. Employer notification responsibilities (Section 1511-1515)
- J. Affordable Care Act / 3. Essential health benefits (Section 1302) / a. Mental health parity
- J. Affordable Care Act / 3. Essential health benefits (Section 1302) / b. Pediatric services
- J. Affordable Care Act / 3. Essential health benefits (Section 1302) / c. Preventive services
Examination sources
- Alaska Insurance Supplement — Examination Content Outlines
Cover and page S1, stated outline effective date
- Alaska Insurance Supplement — Examination Content Outlines
S3, Health general knowledge title
- Alaska Insurance Candidate Handbook
Page 12, complete two-part blueprint
- Alaska Insurance Candidate Handbook
Page 12, published outline is examination blueprint
- Alaska Insurance Supplement — Examination Content Outlines
S4, Alaska specific Health title
- Alaska Insurance Supplement — Examination Content Outlines
S4, Alaska Health scored question boundary
- Alaska Insurance Supplement — Examination Content Outlines
S3, General I
- Alaska Insurance Supplement — Examination Content Outlines
S3, General II
- Alaska Insurance Supplement — Examination Content Outlines
S4, General III
- Alaska Insurance Supplement — Examination Content Outlines
S4, General IV
- Alaska Insurance Supplement — Examination Content Outlines
S4, General V
- Alaska Insurance Supplement — Examination Content Outlines
S4, State I, common law section continuation
- Alaska Insurance Supplement — Examination Content Outlines
S5, State II, health law section continuation
- Alaska Insurance Supplement — Examination Content Outlines
S5, starred-topic exclusion
- Alaska Insurance Candidate Handbook
Page 12, major lines format
- Alaska Insurance Candidate Handbook
Page 10, scaled passing score
- Alaska Insurance Candidate Handbook
Page 6, making a reservation
- Alaska Insurance Candidate Handbook
Page 9, all parts and score report
- Alaska Insurance Candidate Handbook
Page 9, entire examination retake
Related license preparation
This examination may be required or accepted as an alternative, depending on the license and application pathway.