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Arizona Examination for Personal Lines Insurance Producer — Information & Free Practice

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Arizona Examination for Personal Lines Insurance Producer

Provider
PSI Services LLC
Format
Computer-delivered, closed-book examination
Exam questions
100 items, plus 5 to 10 unscored experimental questions
Time limit
2 hours
Passing score
70% correct
Exam fee
$50
Examination outline
  • Insurance Regulation (10%)
    • 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 > Adjusters (20-321)
    • Licensing > Types of licensees > Business entities (20-281(1), 285(D, E), 290(B))
    • Licensing > Types of licensees > Surplus lines brokers (20-407, 411)
    • 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 personal 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 (2%)
    • Fair Credit Reporting Act (15 USC 1681–1681d)
    • National Flood Insurance Program (NFIP)
    • Gramm-Leach-Bliley Act (20-2121; Public Law 106-102)
    • Prohibited Persons in Insurance (18 United States Code (USC) Sections 1033 and 1034) waiver
    • CAN-SPAM Act of 2003 (15 USC 7701; 18 USC 1037)
    • Telemarketing Sales Rule (16 CFR 310; 15 USC 6101–6108; A.R.S. 44-1282)
  • General Insurance Concepts (10%)
    • Risk
    • Risk > Methods of Handling Risk (e.g., Avoidance, Retention, Sharing, Reduction, Transfer)
    • Risk > Elements of Insurable Risks
    • Risk > Definitions (e.g., Risk, Hazard, Peril, Loss)
    • Classifications of Insurers
    • Classifications of Insurers > Mutual, Stock
    • Classifications of Insurers > Admitted, Non-Admitted
    • Classifications of Insurers > Foreign, Domestic, Alien
    • 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 - Definitions
    • Authority and Powers of Producers - Definitions > Express
    • Authority and Powers of Producers - Definitions > Implied
    • Authority and Powers of Producers - Definitions > Apparent
    • Authority and Powers of Producers - Definitions > 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
  • Property and Casualty Insurance Basics (32%)
    • Insurable Interest
    • Liability
    • Liability > Absolute
    • Liability > Strict
    • Liability > Vicarious
    • Underwriting (Purpose, Process, Results)
    • Types of Hazards
    • Types of Hazards > Moral
    • Types of Hazards > Morale
    • Types of Hazards > Physical
    • Types of Perils
    • Types of Perils > Named
    • Types of Perils > Open
    • Types of Loss
    • Types of Loss > Direct
    • Types of Loss > Indirect
    • Loss Valuation
    • Loss Valuation > Actual Cash Value
    • Loss Valuation > Replacement Cost
    • Loss Valuation > Market Value
    • Loss Valuation > Agreed Value
    • Loss Valuation > Valued Policy
    • Loss Valuation > Functional Replacement Cost
    • Negligence
    • Negligence > Torts
    • Negligence > Elements of a Negligent Act
    • Negligence > Defense Against Negligence
    • Accident versus Occurrence
    • Policy Structure
    • Policy Structure > Declarations
    • Policy Structure > Definitions
    • Policy Structure > Insuring Agreement
    • Policy Structure > Additional/Supplementary Coverage
    • Policy Structure > Conditions
    • Policy Structure > Exclusions
    • Policy Structure > Endorsements
    • Policy Clauses
    • Policy Clauses > Insureds
    • Policy Clauses > Policy Period
    • Policy Clauses > Policy Territory
    • Policy Clauses > Cancellation and Non-Renewal
    • Policy Clauses > Deductibles
    • Policy Clauses > Other Insurance
    • Policy Clauses > Other Insurance > Nonconcurrency
    • Policy Clauses > Other Insurance > Primary and Excess
    • Policy Clauses > Other Insurance > Pro Rata
    • Policy Clauses > Other Insurance > Contribution by Equal Shares
    • Limits of Liability
    • Limits of Liability > Per Accident
    • Limits of Liability > Per Occurrence
    • Limits of Liability > Per Person
    • Limits of Liability > Aggregate
    • Limits of Liability > Split limits
    • Limits of Liability > Combined Single Limit
    • Coinsurance
    • Coinsurance > Purpose
    • Coinsurance > Definition
    • Coinsurance > Calculation
    • Coinsurance > Penalties
    • Coinsurance > Total versus Partial Loss
    • Specific, Scheduled, and Blanket Insurance
    • Vacant versus Unoccupied
    • Named Insured Provisions
    • Named Insured Provisions > First Named Insured versus Other Insureds
    • Named Insured Provisions > Duties After Loss
    • Named Insured Provisions > Assignment
    • Named Insured Provisions > Waiver of Rights
    • Insurer Provisions
    • Insurer Provisions > Liberalization
    • Insurer Provisions > Subrogation
    • Insurer Provisions > Claim Settlement Options
    • Insurer Provisions > Duty to Defend
    • Third-Party Provisions
    • Third-Party Provisions > Standard Mortgage Clause
    • Third-Party Provisions > Loss Payable Clause
    • Third-Party Provisions > No Benefit to the Bailee
  • Dwelling Policy Concepts (10%)
    • Purpose and Eligibility
    • Definitions
    • Perils Insured Against
    • Perils Insured Against > Basic
    • Perils Insured Against > Broad
    • Perils Insured Against > Special
    • Property Coverages
    • Property Coverages > Coverage A - Dwelling
    • Property Coverages > Coverage B - Other Structures
    • Property Coverages > Coverage C - Personal Property
    • Property Coverages > Coverage D - Fair Rental Value
    • Property Coverages > Coverage E - Additional Living Expenses
    • Property Coverages > Other Coverages
    • Personal Liability Supplement
    • Personal Liability Supplement > Coverage L - Personal Liability
    • Personal Liability Supplement > Coverage M - Medical Payments to Others
    • Dwelling Property Conditions
    • Dwelling Property Exclusions
    • Dwelling Policy Endorsements
  • Homeowners Policy Concepts (17%)
    • Definitions
    • Eligibility and Purpose
    • Homeowners Policy Coverage Forms
    • Homeowners Policy Coverage Forms > Broad (HO-2)
    • Homeowners Policy Coverage Forms > Special (HO-3)
    • Homeowners Policy Coverage Forms > Contents Broad (HO-4)
    • Homeowners Policy Coverage Forms > Comprehensive (HO-5)
    • Homeowners Policy Coverage Forms > Unit-Owners (HO-6)
    • Homeowners Policy Coverage Forms > Modified Coverages (HO-8)
    • Section I - Property Coverages
    • Section I - Property Coverages > Coverage A - Dwelling
    • Section I - Property Coverages > Coverage B - Other Structures
    • Section I - Property Coverages > Coverage C - Personal Property
    • Section I - Property Coverages > Coverage D - Loss of Use
    • Section I - Property Coverages > Additional Coverages
    • Section II - Liability Coverages
    • Section II - Liability Coverages > Coverage E - Personal Liability
    • Section II - Liability Coverages > Coverage F - Medical Payments to Others
    • Section II - Liability Coverages > Additional Coverages
    • Homeowners Policy Exclusions
    • Homeowners Policy Exclusions > Section I - Property Covered Exclusions
    • Homeowners Policy Exclusions > Section II - Liability Covered Exclusions
    • Homeowners Policy Conditions
    • Homeowners Policy Endorsements
    • Homeowners Policy Endorsements > Business Pursuits
    • Homeowners Policy Endorsements > Earthquake
    • Homeowners Policy Endorsements > Home Day Care
    • Homeowners Policy Endorsements > Personal Injury
    • Homeowners Policy Endorsements > Personal Property Replacement Cost
    • Homeowners Policy Endorsements > Watercraft
    • Scheduled Personal Property/Personal Articles Floater
  • Personal Automobile Policy (12%)
    • Definitions
    • Personal Injury Protection Definitions
    • Liability Coverage
    • Liability Coverage > Bodily Injury and Property Damage
    • Liability Coverage > Supplementary Payments
    • Liability Coverage > Exclusions
    • Liability Coverage > Liability Extension to Towed Vehicle
    • Medical Payments Coverage
    • Uninsured and Underinsured Motorists Coverage
    • Uninsured and Underinsured Motorists Coverage > Definitions
    • Uninsured and Underinsured Motorists Coverage > Bodily Injury
    • Uninsured and Underinsured Motorists Coverage > UM and UIM Rejection
    • Coverage for Damage to your Automobile
    • Coverage for Damage to your Automobile > Collision
    • Coverage for Damage to your Automobile > Other than Collision (Comprehensive)
    • Coverage for Damage to your Automobile > Deductibles
    • Coverage for Damage to your Automobile > Exclusions
    • Duties after an Accident or Loss
    • General Provisions
    • Endorsements
    • Endorsements > Towing and Labor Costs
    • Endorsements > Extended Non-Owned Coverage - Vehicles Furnished or Available for Regular Use
    • Endorsements > Joint Ownership Coverage
    • Endorsements > Rental Vehicle Coverage
  • Other Types of Personal Insurance (7%)
    • Personal Umbrella and Excess Policies
    • Mobile Home Policy (Insuring Agreement)
    • Earthquake Insurance (Insuring Agreement)
    • Earthquake Insurance (Insuring Agreement) > Deductible
    • Flood Insurance
    • Watercraft
Examination sources

Related license preparation

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