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ID Personal Lines Producer — Information & Free Practice

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ID Personal Lines Producer

Provider
Pearson VUE
Format
Computer-based examination in English or Spanish, in a test center or through OnVUE; general and state sections are separately reported
Exam questions
General: 75 scored plus 5 pretest questions; Idaho state: 22 scored questions
Time limit
120 minutes
Exam fee
$65
Examination outline
  • I. TYPES OF PROPERTY POLICIES
    • 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
  • II. TYPES OF CASUALTY POLICIES
    • 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
  • III. PROPERTY AND CASUALTY INSURANCE TERMS AND RELATED CONCEPTS
    • 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
  • IV. PROPERTY AND CASUALTY POLICY PROVISIONS AND CONTRACT LAW
    • 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
  • I. IDAHO STATUTES, RULES, AND REGULATIONS COMMON TO LIFE, HEALTH/DISABILITY, PROPERTY, CASUALTY, AND PERSONAL LINES INSURANCE
    • A. Responsibilities of the Director of the Department of Insurance
    • A. Responsibilities of the Director of the Department of Insurance / 1. Appointment
    • A. Responsibilities of the Director of the Department of Insurance / 2. General duties and powers
    • A. Responsibilities of the Director of the Department of Insurance / 3. Examinations
    • A. Responsibilities of the Director of the Department of Insurance / 4. Hearings/notice of hearings/orders
    • A. Responsibilities of the Director of the Department of Insurance / 5. Penalties
    • B. Definitions
    • B. Definitions / 1. Domestic company
    • B. Definitions / 2. Foreign company
    • B. Definitions / 3. Alien company
    • B. Definitions / 4. Authorized and unauthorized companies/admitted and nonadmitted companies
    • B. Definitions / 5. Stock and mutual companies and reciprocals
    • B. Definitions / 6. Certificate of authority
    • B. Definitions / 7. Transacting insurance
    • B. Definitions / 8. Negotiate
    • C. Licensing
    • C. Licensing / 1. Persons required to be licensed
    • C. Licensing / 1. Persons required to be licensed / a. Producer
    • C. Licensing / 1. Persons required to be licensed / b. Resident/nonresident
    • C. Licensing / 1. Persons required to be licensed / c. Surplus lines
    • C. Licensing / 1. Persons required to be licensed / d. Public adjusters
    • C. Licensing / 2. Producer appointment/termination of appointment
    • C. Licensing / 3. Obtaining a license
    • C. Licensing / 3. Obtaining a license / a. Qualifications
    • C. Licensing / 3. Obtaining a license / b. License application
    • C. Licensing / 3. Obtaining a license / c. Written examinations
    • C. Licensing / 3. Obtaining a license / d. Exemptions/exceptions
    • C. Licensing / 3. Obtaining a license / e. License denial/refusal
    • C. Licensing / 4. Maintaining a license
    • C. Licensing / 4. Maintaining a license / a. Continuing education
    • C. Licensing / 4. Maintaining a license / b. Change of address/place of business
    • C. Licensing / 4. Maintaining a license / c. Fees/renewal
    • C. Licensing / 4. Maintaining a license / d. Record keeping
    • C. Licensing / 4. Maintaining a license / e. License expiration
    • C. Licensing / 4. Maintaining a license / f. Suspension or revocation of licenses/felony convictions
    • D. Producer responsibilities
    • D. Producer responsibilities / 1. Fiduciary capacity
    • D. Producer responsibilities / 2. Commissions and compensation
    • D. Producer responsibilities / 3. Charging of fees and disclosure requirements
    • D. Producer responsibilities / 4. Reporting of actions
    • E. Insurance contracts
    • E. Insurance contracts / 1. Filing and approval of policy forms
    • E. Insurance contracts / 2. Payment of claims
    • E. Insurance contracts / 3. Power to contract
    • F. Marketing practices
    • F. Marketing practices / 1. Unfair claims practices
    • F. Marketing practices / 2. Unfair methods of competition
    • F. Marketing practices / 2. Unfair methods of competition / a. Rebating
    • F. Marketing practices / 2. Unfair methods of competition / b. Misrepresentation
    • F. Marketing practices / 2. Unfair methods of competition / c. False advertising
    • F. Marketing practices / 2. Unfair methods of competition / d. Defamation
    • F. Marketing practices / 2. Unfair methods of competition / e. False financial statements
    • F. Marketing practices / 2. Unfair methods of competition / f. Boycott, coercion, intimidation
    • F. Marketing practices / 2. Unfair methods of competition / g. Unfair discrimination
    • F. Marketing practices / 2. Unfair methods of competition / h. Coercion of borrower
    • F. Marketing practices / 2. Unfair methods of competition / i. Fraud
    • F. Marketing practices / 2. Unfair methods of competition / j. Twisting
    • F. Marketing practices / 3. Penalties
  • II. IDAHO STATUTES, RULES, AND REGULATIONS COMMON TO PROPERTY, CASUALTY AND PERSONAL LINES INSURANCE ONLY
    • A. Insurance contracts
    • A. Insurance contracts / 1. Renewal, nonrenewal, cancellation
    • A. Insurance contracts / 2. Homeowners, personal auto, and casualty Policies
    • A. Insurance contracts / 3. Certificate of insurance
    • B. Countersignature requirements
    • C. Rate filings
    • D. Idaho Property and Casualty Guaranty Association Act
    • E. Binders
    • F. Insurance Rates and Credit Rating
  • III. IDAHO STATUTES, RULES, AND REGULATIONS PERTINENT TO PERSONAL LINES INSURANCE ONLY
    • A. Auto insurance
    • A. Auto insurance / 1. Uninsured/underinsured motorists
    • A. Auto insurance / 2. Policy cancellation/nonrenewal/expiration
    • A. Auto insurance / 3. Accident prevention courses
    • A. Auto insurance / 4. Assigned risk plan
    • A. Auto insurance / 5. Financial responsibility
    • A. Auto insurance / 5. Financial responsibility / a. Proof of financial responsibility defined
    • A. Auto insurance / 5. Financial responsibility / b. Persons required to show proof
    • A. Auto insurance / 5. Financial responsibility / c. Penalty for noncompliance
    • A. Auto insurance / 5. Financial responsibility / d. Methods of satisfying financial responsibility
    • B. Inland marine
    • C. Comparative Negligence
    • D. Fraud
    • E. National Flood Insurance Program (NFIP)
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