Arizona Examination for Accident and Health or Sickness Insurance Producer — Information & Free Practice
US-AZ · Examination information
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Arizona Examination for Accident and Health or Sickness Insurance Producer
- Provider
- PSI Services LLC
- Format
- Computer-administered, closed-book examination
- Exam questions
- 100 scored items, with 5–10 possible unscored experimental questions
- Time limit
- 2 hours
- Passing score
- 70% correct
- Exam fee
- $50
Examination outline
Insurance Regulation (5%)
- Licensing
- Licensing / License application requirements (20-285)
- Licensing / Number of exam attempts 20-284(H)
- Licensing / Licensing eligibility/lawful presence (41-1080)
- Licensing / Types of licensees
- Licensing / Types of licensees / Producers (20-281(5), 286)
- Licensing / Types of licensees / Nonresidents (20-281(11))
- Licensing / Types of licensees / Life Settlement Broker (ARS 20-3202)
- Licensing / Types of licensees / Business entities (20-281(1), 285(D, E), 290(B))
- Licensing / Types of licensees / Temporary (20-294)
- Licensing / Types of licensees / Vending machines (20-293)
- Licensing / Lines of producer license authority (20-286, (A), 321, 331, 332, 411, 411.01, 1580, 1693.01, 2662)
- Licensing / Fingerprinting requirements (20-142(E), 285(E), 286(C), 289(D))
- Licensing / Assumed business name (20-297)
- Licensing / Maintenance and duration
- Licensing / Maintenance and duration / Expiration, surrender and renewal (20-289)
- Licensing / Maintenance and duration / Inactive license status during military service (20-289.01)
- Licensing / Maintenance and duration / Change of contact information (20-286(C))
- Licensing / Maintenance and duration / Change of business information (20-286)(C))
- Licensing / Maintenance and duration / Report of actions (20-301)
- Licensing / Maintenance and duration / Continuing education (20-2902, 2903)
- Licensing / Disciplinary actions
- Licensing / Disciplinary actions / Denial, suspension, revocation or refusal to renew; civil penalties (20-295, 296)
- Licensing / Disciplinary actions / Cease and desist order (20-292)
- State regulation
- State regulation / Acts constituting insurance transaction (20-106, 282, 401.01)
- State regulation / Acts constituting insurance transaction (20-106, 282, 401.01) / Negotiate (20-281(10))
- State regulation / Acts constituting insurance transaction (20-106, 282, 401.01) / Sell (20-281(14))
- State regulation / Acts constituting insurance transaction (20-106, 282, 401.01) / Solicit (20-281(15))
- State regulation / Payment of premiums (20-191)
- State regulation / Certificate of authority (20-217(A))
- State regulation / Identification of Producer (20-229)
- State regulation / Producer regulation
- State regulation / Producer regulation / Sharing commissions (20-298)
- State regulation / Producer regulation / Place of business and records (20-157, 290; AZ Const Art 14 s 16)
- State regulation / Unfair practices and frauds
- State regulation / Unfair practices and frauds / Unfair trade practices (20-442)
- State regulation / Unfair practices and frauds / Misrepresentation (20-443, 443.01, 447; Rule R20-6-801(D))
- State regulation / Unfair practices and frauds / False or deceptive advertising (20-444)
- State regulation / Unfair practices and frauds / Defamation of insurer (20-445)
- State regulation / Unfair practices and frauds / Boycott, coercion or intimidation (20-446)
- State regulation / Unfair practices and frauds / False financial statements (20-447)
- State regulation / Unfair practices and frauds / Unfair discrimination (20-448)
- State regulation / Unfair practices and frauds / Gender discrimination (Rule R20-6-207)
- State regulation / Unfair practices and frauds / Rebating (20-451)
- State regulation / Unfair practices and frauds / Prohibited inducements (20-452)
- State regulation / Unfair practices and frauds / Fees (20-465)
- State regulation / Unfair practices and frauds / Unfair claims settlement practices (20-461; Rule R20-6-801)
- State regulation / Unfair practices and frauds / Claims payment (20-462)
- State regulation / Unfair practices and frauds / Insurance fraud (20-463, 466–466.04)
- Insurance information and privacy protection (20-2101–2122)
Federal Laws and Regulations (3%)
- Fair Credit Reporting Act (15 USC 1681–1681d)
- National Do Not Call List
- Gramm-Leach-Bliley Act (20-2121; Public Law 106-102)
- Prohibited Persons in Insurance (18 United States Code (USC) Sections 1033 and 1034) waiver
- Affordable Care Act (45 CFR 144, 146, 147, 148, 150, 154, 155, 156, 157, 164 and 170; and 42 USC 300gg-300gg- 91)
- CAN-SPAM Act of 2003 (15 USC 7701; 18 USC 1037)
- Genetic Information Nondiscrimination Act (45 CFR Parts 144, 146, and 148; 45 CFR Parts 160 and 164; and 29 CFR Part 2590)
- Mental Health Parity and Addiction Equity Act (45 CFR Parts 146 and 147)
- Telemarketing Sales Rule (16 CFR 310; 15 USC 6101–6108; A.R.S. 44-1282)
General Insurance Concepts (11%)
- Risk
- Risk / Methods of Handling Risk (Avoidance, Retention, Sharing, Reduction, Transfer)
- Risk / Elements of Insurable Risks
- Risk / Definitions (Risk, Hazard, Peril, Loss)
- Elements of a Contract
- Elements of a Contract / Consideration
- Elements of a Contract / Competent Parties
- Elements of a Contract / Legal Purpose
- Elements of a Contract / Offer
- Elements of a Contract / Acceptance
- Authority and Powers of Producers
- Authority and Powers of Producers / Express
- Authority and Powers of Producers / Implied
- Authority and Powers of Producers / Apparent
- Authority and Powers of Producers / The Law of Agency
- Legal Interpretations Affecting Contracts
- Legal Interpretations Affecting Contracts / Reasonable Expectations
- Legal Interpretations Affecting Contracts / Indemnity
- Legal Interpretations Affecting Contracts / Good Faith
- Legal Interpretations Affecting Contracts / Fraud
- Legal Interpretations Affecting Contracts / Warranties, Representations, Misrepresentations, and Concealment
Accident and Health Insurance Basics (16%)
- Field Underwriting
- Field Underwriting / Application Procedures
- Field Underwriting / Disclosures and Privacy
- Underwriting Requirements (Varies by Insurer)
- Sources of Underwriting
- Sources of Underwriting / Application
- Sources of Underwriting / Producer's report
- Sources of Underwriting / Medical information bureau (MIB)
- Sources of Underwriting / Inspection report
- Sources of Underwriting / Medical examination
- Sources of Underwriting / Attending physician's report
- Policy Delivery
- Policy Delivery / Effective Date of Coverage
- Policy Delivery / Policy Review
- Policy Delivery / Premium Collection Methods (e.g., Electronic, Physical, EFT, ACH)
- Policy Delivery / Statement of Good Health
- Definitions of Perils
- Definitions of Perils / Accidental Injury
- Definitions of Perils / Sickness
- Types of Losses and Benefits
- Types of Losses and Benefits / Loss of Income from Disability (Short-Term/Long-Term Disability)
- Types of Losses and Benefits / Medical Expense
- Types of Losses and Benefits / Long-Term Care Expense
- Classification of Risks
- Classification of Risks / Preferred
- Classification of Risks / Standard
- Classification of Risks / Substandard
Individual Accident and Health Insurance Policy Provisions (16%)
- Uniform Required Provisions
- Uniform Required Provisions / Time Limit on Certain Defenses
- Uniform Required Provisions / Grace Period
- Uniform Required Provisions / Reinstatement
- Uniform Required Provisions / Claim Forms
- Uniform Required Provisions / Proof of Loss
- Uniform Required Provisions / Time of Payment of Claims
- Uniform Required Provisions / Physical Examinations and Autopsy
- Uniform Required Provisions / Legal Actions
- Uniform Required Provisions / Entire Contract
- Uniform Required Provisions / Payment of Claims
- Uniform Required Provisions / Change of Beneficiary
- Uniform Required Provisions / Notice of Claim
- Uniform Optional Provisions
- Uniform Optional Provisions / Change of Occupation
- Uniform Optional Provisions / Misstatement of Age/Sex
- Uniform Optional Provisions / Illegal Occupation
- Uniform Optional Provisions / Intoxicants, Narcotics, or Other Controlled Substances
- Other General Provisions
- Other General Provisions / Right to Examine/Free Look
- Other General Provisions / Insuring Clause
- Other General Provisions / Consideration Clause
- Other General Provisions / Coinsurance
- Other General Provisions / Probationary Period
- Other General Provisions / Elimination Period
- Other General Provisions / Exclusions
Disability Income and Related Insurance (13%)
- Benefits Determination for Disability
- Benefits Determination for Disability / Indemnity
- Benefits Determination for Disability / Loss of Income
- Qualifications of Disability
- Qualifications of Disability / Total (Own Occupation, Any Occupation)
- Qualifications of Disability / Partial
- Qualifications of Disability / Permanent
- Qualifications of Disability / Presumptive
- Qualifications of Disability / Recurrent
- Qualifications of Disability / Residual
- Qualifications of Disability / Inability to Perform Duties
- Qualifications of Disability / Occupational versus Non-Occupational
- Individual Disability Income Insurance
- Individual Disability Income Insurance / Basic Total Disability Plan
- Individual Disability Income Insurance / Cost of Living Rider
- Individual Disability Income Insurance / Future Increase Option Rider
- Individual Disability Income Insurance / Change of Occupation
- Individual Disability Income Insurance / Other Cash Benefits - (Accidental Death and Dismemberment (AD&D), Rehabilitation Benefit, Medical Reimbursement Benefit)
- Individual Disability Income Insurance / Refund Provisions
- Individual Disability Income Insurance / Exclusions
- Individual Disability Income Insurance / Waiver of Premium
- Individual Disability Income Insurance / Probationary Period
- Individual Disability Income Insurance / Elimination Period
- Individual Disability Income Insurance / Benefit Limits
- Unique Aspects of Individual Disability Income Underwriting
- Unique Aspects of Individual Disability Income Underwriting / Occupational Considerations
- Unique Aspects of Individual Disability Income Underwriting / Benefit Limits
- Unique Aspects of Individual Disability Income Underwriting / Policy Issuance Alternatives
- Group Disability Income Insurance
- Group Disability Income Insurance / Short-Term Disability
- Group Disability Income Insurance / Long-Term Disability
- Group Disability Income Insurance / Coordination of Benefits (Workers' Compensation Benefits and Social Insurance)
- Group Disability Income Insurance / At-work benefits
- Business Disability Income Insurance
- Business Disability Income Insurance / Key Employee Disability Income
- Business Disability Income Insurance / Disability Buy-Sell Policy
- Business Disability Income Insurance / Business Overhead Expense
- Social Security Disability Income
- Social Security Disability Income / Qualification for Disability Benefits
- Social Security Disability Income / Definition of Disability
- Social Security Disability Income / Waiting Period
Medical Plans (16%)
- Medical Plan Concepts
- Medical Plan Concepts / Fee-for-Service
- Medical Plan Concepts / Prepaid
- Medical Plan Concepts / Specified disease/Dread disease insurance
- Medical Plan Concepts / Comprehensive Coverage
- Medical Plan Concepts / Dependent Coverage
- Provisions and Clauses
- Provisions and Clauses / Deductibles
- Provisions and Clauses / Stop-Loss Provision
- Provisions and Clauses / Impairment rider
- Types of Medical Plans
- Types of Medical Plans / Major Medical Insurance
- Types of Medical Plans / Health Maintenance Organizations (HMOs)
- Types of Medical Plans / Preferred Provider Organizations (PPOs)
- Types of Medical Plans / Point-of-Service (POS) Plans
- Cost Containment in Health Care Delivery
- Cost Containment in Health Care Delivery / Managed Care
- Cost Containment in Health Care Delivery / Preventive Care
- Cost Containment in Health Care Delivery / Outpatient Benefits
- Cost Containment in Health Care Delivery / Utilization Management
- Cost Containment in Health Care Delivery / Preauthorization
- Cost Containment in Health Care Delivery / Primary Care Physician
- Limited Health Insurance Policies
- Limited Health Insurance Policies / Accidental Death and Dismemberment
- Limited Health Insurance Policies / Hospital indemnity
- Limited Health Insurance Policies / Critical Illness/Dread Disease
- Limited Health Insurance Policies / Vision Care
- Limited Health Insurance Policies / Hearing
- Limited Health Insurance Policies / Dental
- Health Insurance Portability and Accountability Act (HIPAA)
- Health Insurance Portability and Accountability Act (HIPAA) / Eligibility Requirements
- Health Insurance Portability and Accountability Act (HIPAA) / Terms
- Health Insurance Portability and Accountability Act (HIPAA) / Privacy
- Health Insurance Portability and Accountability Act (HIPAA) / Portability
- Affordable Care Act (ACA)
- Affordable Care Act (ACA) / Eligibility
- Affordable Care Act (ACA) / Dependent coverage
- Affordable Care Act (ACA) / Essential health benefits
- Affordable Care Act (ACA) / Levels of Coverage (Metallic Plans)
Group Health Insurance (7%)
- Characteristics of Group Health Insurance
- Characteristics of Group Health Insurance / Group Contract
- Characteristics of Group Health Insurance / Certificate of Coverage
- Characteristics of Group Health Insurance / Eligible Groups
- Characteristics of Group Health Insurance / Contributory versus Non-Contributory
- Employer Group Health Insurance
- Employer Group Health Insurance / Underwriting Criteria
- Employer Group Health Insurance / Eligibility for Insurance
- Employer Group Health Insurance / Conversion of Coverage
- Employer Group Health Insurance / Open Enrollment
- Employer Group Health Insurance / Probation/Waiting Period
- Employer Group Health Insurance / Coordination of Benefits
- COBRA
- COBRA / Eligibility
- COBRA / Duration of Coverage
- COBRA / Premium
Specialized Health Insurance for Qualified Individuals (8%)
- Medicare
- Medicare / Eligibility
- Medicare / Part A
- Medicare / Part B
- Medicare / Part C
- Medicare / Part D
- Medicare Supplement Insurance
- Medicare Supplement Insurance / Enrollment Periods
- Medicare Supplement Insurance / Standardized Plan Benefits
- Medicaid
- Medicaid / Eligibility
- Long-Term Care Policies
- Long-Term Care Policies / Eligibility for Benefits (Activities of Daily Living)
- Long-Term Care Policies / Benefit/Elimination Periods
- Long-Term Care Policies / Levels of care (Skilled, Intermediate, Custodial)
Federal Tax Considerations for Health Insurance (5%)
- Health Insurance Premiums and Benefits
- Health Insurance Premiums and Benefits / Individual
- Health Insurance Premiums and Benefits / Group
- Health Insurance Premiums and Benefits / Disability Income (Individual and Group)
- Health Insurance Premiums and Benefits / Business Disability Insurance
- Consumer-Driven Health Plans
- Consumer-Driven Health Plans / Health Savings Accounts (HSAs)
- Consumer-Driven Health Plans / Health Savings Accounts (HSAs) / High Deductible Health Plans (HDHPs)
- Consumer-Driven Health Plans / Health Reimbursement Accounts (HRAs)
- Consumer-Driven Health Plans / Flexible Spending Accounts (FSAs)
Examination sources
- PSI Arizona Insurance Candidate Information Bulletin
Page 14, Content Outlines, examination scope and closed-book format
- PSI Series 13-32 official content outline
Published content outline, page 1, body
- PSI Series 13-32 official content outline
Published content outline, page 2, body
- PSI Series 13-32 official content outline
Published content outline, page 3, body
- PSI Series 13-32 official content outline
Published content outline, page 4, body
- PSI Series 13-32 official content outline
Published content outline, page 5, body
- PSI Series 13-32 official content outline
Published content outline, page 6, body
- PSI Series 13-32 official content outline
Published content outline, page 7, body
- PSI Series 13-32 official content outline
Page 1, examination name, series and item/time boundary
- PSI Arizona Insurance Candidate Information Bulletin
Page 13, Score Reporting
- PSI Arizona Insurance Candidate Information Bulletin
Page 13, Experimental Items
- PSI Arizona Insurance Candidate Information Bulletin
Page 3, Types of Licenses, Accident and Health or Sickness row
- PSI Arizona Insurance Candidate Information Bulletin
Page 2, Understanding Licensing Requirements, steps 3-5