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Personal Lines Producer — Information & Free Practice

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Personal Lines Producer

Provider
Pearson VUE
Format
One examination scored as a whole; multiple-choice questions at a test center
Exam questions
105 scored questions (75 general knowledge and 30 Connecticut specific), plus 10 pretest questions (5 in each part)
Time limit
2 hours
Passing score
70%
Exam fee
$65
Examination outline
  • General Knowledge — I. TYPES OF PROPERTY POLICIES (10 scored questions)
    • A. Homeowners
    • A. Homeowners / 1. HO-2
    • A. Homeowners / 2. HO-3
    • A. Homeowners / 3. HO-4
    • A. Homeowners / 4. HO-5
    • A. Homeowners / 5. HO-6
    • A. Homeowners / 6. HO-8
    • B. Dwelling policies
    • B. Dwelling policies / 1. DP-1
    • B. Dwelling policies / 2. DP-2
    • B. Dwelling policies / 3. DP-3
    • C. Inland marine
    • C. Inland marine / 1. Personal Articles floaters
    • D. National Flood Insurance Program
    • E. Others
    • E. Others / 1. Earthquake
    • E. Others / 2. Mobile Homes
    • E. Others / 3. Watercraft
    • E. Others / 4. Windstorm
  • General Knowledge — II. TYPES OF CASUALTY POLICIES (13 scored questions)
    • A. Automobile: personal auto
    • A. Automobile: personal auto / 1. Liability
    • A. Automobile: personal auto / 1. Liability / a. Bodily Injury
    • A. Automobile: personal auto / 1. Liability / b. Property Damage
    • A. Automobile: personal auto / 1. Liability / c. Split Limits
    • A. Automobile: personal auto / 1. Liability / d. Combined Single Limit
    • A. Automobile: personal auto / 2. Medical Payments
    • A. Automobile: personal auto / 3. Physical Damage (collision; other than collision; specified perils)
    • A. Automobile: personal auto / 4. Uninsured motorists
    • A. Automobile: personal auto / 5. Underinsured motorists
    • A. Automobile: personal auto / 6. Who is an insured
    • A. Automobile: personal auto / 7. Types of Auto
    • A. Automobile: personal auto / 7. Types of Auto / a. Owned
    • A. Automobile: personal auto / 7. Types of Auto / b. Non-owned
    • A. Automobile: personal auto / 7. Types of Auto / c. Hired
    • A. Automobile: personal auto / 7. Types of Auto / d. Temporary Substitute
    • A. Automobile: personal auto / 7. Types of Auto / e. Newly Acquired Autos
    • A. Automobile: personal auto / 7. Types of Auto / f. Transportation Expense and Rental Reimbursement Expense
    • A. Automobile: personal auto / 8. Exclusions
    • B. Umbrella/Excess liability
  • General Knowledge — III. PROPERTY AND CASUALTY INSURANCE TERMS AND RELATED CONCEPTS (28 scored questions)
    • A. Insurance
    • A. Insurance / 1. Law of Large Numbers
    • B. Insurable interest
    • C. Risk
    • C. Risk / 1. Pure vs. Speculative Risk
    • D. Hazard
    • D. Hazard / 1. Moral
    • D. Hazard / 2. Morale
    • D. Hazard / 3. Physical
    • E. Peril
    • F. Loss
    • F. Loss / 1. Direct
    • F. Loss / 2. Indirect
    • G. Loss Valuation
    • G. Loss Valuation / 1. Actual cash value
    • G. Loss Valuation / 2. Replacement cost
    • G. Loss Valuation / 3. Market value
    • G. Loss Valuation / 4. Stated value
    • G. Loss Valuation / 5. Salvage value
    • H. Proximate cause
    • I. Deductible
    • J. Indemnity
    • K. Limits of liability
    • L. Coinsurance/Insurance to value
    • M. Occurrence
    • N. Cancellation
    • O. Nonrenewal
    • P. Vacancy and unoccupancy
    • Q. Liability
    • Q. Liability / 1. Absolute
    • Q. Liability / 2. Strict
    • Q. Liability / 3. Vicarious
    • R. Negligence
    • S. Binder
    • T. Endorsements
    • U. Blanket vs. Specific
    • V. Burglary, Robbery, Theft, and Mysterious Disappearance
    • W. Warranties
    • X. Representations
    • Y. Concealment
    • Z. Deposit Premium/Audit
    • AA. Certificate of Insurance
    • BB. Damages
    • BB. Damages / 1. Compensatory
    • BB. Damages / 1. Compensatory / a. General
    • BB. Damages / 1. Compensatory / b. Special
    • BB. Damages / 2. Punitive
    • CC. Compliance with Provisions of Fair Credit Reporting Act
  • General Knowledge — IV. PROPERTY AND CASUALTY POLICY PROVISIONS AND CONTRACT LAW (24 scored questions)
    • A. Declarations
    • B. Insuring agreement
    • C. Conditions
    • D. Exclusions
    • E. Definition of the insured
    • F. Duties of the insured after a loss
    • G. Obligations of the insurance company
    • H. Mortgagee rights
    • I. Proof of loss
    • J. Notice of claim
    • K. Appraisal
    • L. Other Insurance Provision
    • M. Subrogation
    • N. Elements of a contract
    • O. Sources of underwriting information
    • P. Fair Credit Reporting Act
    • Q. Privacy Protection (Gramm Leach Bliley)
    • R. Policy Application
    • S. Terrorism Risk Insurance Act (TRIA)
    • T. Cancellation and nonrenewal provisions
    • U. Supplementary payments
    • V. Loss settlement provisions including consent to settle a loss
    • W. Territory
  • Connecticut Specific — I. CT STATUTES, RULES, AND REGULATIONS COMMON TO LIFE, ACCIDENT AND HEALTH, PROPERTY, AND CASUALTY INSURANCE (18 scored questions)
    • A. Responsibilities of the Insurance Commissioner
    • A. Responsibilities of the Insurance Commissioner / 1. General duties and powers
    • A. Responsibilities of the Insurance Commissioner / 2. Examination of records
    • A. Responsibilities of the Insurance Commissioner / 3. Hearings/notice of hearings
    • A. Responsibilities of the Insurance Commissioner / 4. Penalties and fines
    • A. Responsibilities of the Insurance Commissioner / 5. Cease and desist orders
    • B. Definitions
    • B. Definitions / 1. Insurance transaction
    • B. Definitions / 2. Insurer
    • B. Definitions / 3. Reinsurance
    • B. Definitions / 4. Domestic, foreign, and alien companies
    • B. Definitions / 5. Authorized and unauthorized companies / admitted and nonadmitted companies
    • B. Definitions / 6. Stock and mutual companies, and reciprocals
    • B. Definitions / 7. Risk retention group
    • B. Definitions / 8. Certificate of authority
    • C. Licensing
    • C. Licensing / 1. Purpose
    • C. Licensing / 2. Licensing Requirements
    • C. Licensing / 2. Licensing Requirements / a. Producer
    • C. Licensing / 2. Licensing Requirements / b. Agent
    • C. Licensing / 2. Licensing Requirements / c. Broker
    • C. Licensing / 2. Licensing Requirements / d. Resident/Nonresident
    • C. Licensing / 2. Licensing Requirements / e. Temporary license
    • C. Licensing / 3. Agent appointment/termination of contract
    • C. Licensing / 4. Obtaining a license
    • C. Licensing / 4. Obtaining a license / a. Qualifications
    • C. Licensing / 4. Obtaining a license / b. Licenses fees and application
    • C. Licensing / 4. Obtaining a license / c. Written examinations
    • C. Licensing / 4. Obtaining a license / d. Exemptions/exceptions
    • C. Licensing / 4. Obtaining a license / e. License denial
    • C. Licensing / 5. Maintaining a license
    • C. Licensing / 5. Maintaining a license / a. Continuing education
    • C. Licensing / 5. Maintaining a license / b. Change of address/name change
    • C. Licensing / 5. Maintaining a license / c. Fees/renewal
    • C. Licensing / 5. Maintaining a license / d. License expiration
    • C. Licensing / 5. Maintaining a license / e. Suspension or revocation of licenses
    • D. Agent responsibilities
    • D. Agent responsibilities / 1. Fiduciary capacity
    • D. Agent responsibilities / 1. Fiduciary capacity / a. Premium accountability
    • D. Agent responsibilities / 2. Disclosure
    • D. Agent responsibilities / 3. Commissions and compensation/ charges for extra services
    • E. Filing and approval of policy forms
    • F. Connecticut Insurance Guaranty Association Act
    • F. Connecticut Insurance Guaranty Association Act / 1. Brokered Transactions Guaranty Fund
    • G. Marketing practices
    • G. Marketing practices / 1. Responsibilities of the insurer
    • G. Marketing practices / 2. Unfair claims practices
    • G. Marketing practices / 3. Unfair trade practices
    • G. Marketing practices / 3. Unfair trade practices / a. Rebating
    • G. Marketing practices / 3. Unfair trade practices / b. Misrepresentation
    • G. Marketing practices / 3. Unfair trade practices / c. False advertising
    • G. Marketing practices / 3. Unfair trade practices / d. Defamation
    • G. Marketing practices / 3. Unfair trade practices / e. False financial statements
    • G. Marketing practices / 3. Unfair trade practices / f. Controlled business
    • G. Marketing practices / 3. Unfair trade practices / g. Boycott, coercion, intimidation
    • G. Marketing practices / 3. Unfair trade practices / h. Unfair discrimination
    • G. Marketing practices / 3. Unfair trade practices / i. Coercion of borrower
    • G. Marketing practices / 3. Unfair trade practices / j. Illegal inducement
    • G. Marketing practices / 3. Unfair trade practices / k. Misrepresentation on applications
    • G. Marketing practices / 3. Unfair trade practices / l. Twisting
    • G. Marketing practices / 4. Return of premium
    • H. Connecticut Insurance Information and Privacy Protection Act
  • Connecticut Specific — II. STATE STATUTES, RULES AND REGULATIONS COMMON TO PROPERTY AND CASUALTY INSURANCE ONLY (3 scored questions)
    • A. Premium Financing
    • B. Insurance Contracts
    • B. Insurance Contracts / 1. Renewal, Nonrenewal, Cancellation: Commercial, Homeowners, Personal Auto and Casualty Policies
    • B. Insurance Contracts / 1. Renewal, Nonrenewal, Cancellation: Commercial, Homeowners, Personal Auto and Casualty Policies / a. Illegal declination, nonrenewal, and cancellation
    • B. Insurance Contracts / 2. Binders
    • C. Surplus Lines
  • Connecticut Specific — III. STATE STATUTES, RULES AND REGULATIONS PERTINENT TO PROPERTY INSURANCE ONLY (4 scored questions)
    • A. Connecticut Insurance Placement Facility / FAIR Plan
    • A. Connecticut Insurance Placement Facility / FAIR Plan / 1. Purpose
    • A. Connecticut Insurance Placement Facility / FAIR Plan / 2. Definitions
    • A. Connecticut Insurance Placement Facility / FAIR Plan / 3. Procedures
    • A. Connecticut Insurance Placement Facility / FAIR Plan / 4. Eligibility
    • A. Connecticut Insurance Placement Facility / FAIR Plan / 5. Coverages Available
    • A. Connecticut Insurance Placement Facility / FAIR Plan / 6. Limits of Coverage
    • A. Connecticut Insurance Placement Facility / FAIR Plan / 7. Effective Date of Coverage
    • A. Connecticut Insurance Placement Facility / FAIR Plan / 8. Binding Authority of Agents or Borders
    • B. Standard Fire Policy
    • C. Flood Insurance
  • Connecticut Specific — IV. STATE STATUTES, RULES, AND REGULATIONS PERTINENT TO CASUALTY INSURANCE ONLY (5 scored questions)
    • A. Auto Insurance
    • A. Auto Insurance / 1. Required coverages
    • A. Auto Insurance / 2. Limits
    • A. Auto Insurance / 3. Rates/rating information
    • A. Auto Insurance / 4. Uninsured/underinsured Motorist law
    • A. Auto Insurance / 4. Uninsured/underinsured Motorist law / a. Option for additional coverage
    • A. Auto Insurance / 4. Uninsured/underinsured Motorist law / b. Insurer insolvency
    • A. Auto Insurance / 5. Connecticut Motor Vehicle Financial Responsibility law
    • A. Auto Insurance / 5. Connecticut Motor Vehicle Financial Responsibility law / a. Proof of financial responsibility defined
    • A. Auto Insurance / 5. Connecticut Motor Vehicle Financial Responsibility law / b. Persons required to show proof
    • A. Auto Insurance / 5. Connecticut Motor Vehicle Financial Responsibility law / c. Penalty for noncompliance
    • A. Auto Insurance / 5. Connecticut Motor Vehicle Financial Responsibility law / d. Methods of satisfying financial responsibility
    • B. Connecticut Auto Insurance Assigned Risk Plan
    • B. Connecticut Auto Insurance Assigned Risk Plan / 1. Purpose
    • B. Connecticut Auto Insurance Assigned Risk Plan / 2. Definitions
    • B. Connecticut Auto Insurance Assigned Risk Plan / 3. Eligibility
    • B. Connecticut Auto Insurance Assigned Risk Plan / 4. Insured’s participation
    • B. Connecticut Auto Insurance Assigned Risk Plan / 5. Insurer’s participation
    • B. Connecticut Auto Insurance Assigned Risk Plan / 6. Coverage and options
    • B. Connecticut Auto Insurance Assigned Risk Plan / 7. Collection of placement fee
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