ID Life Producer — Information & Free Practice

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ID Life Producer

Provider: Pearson VUE
Format: Written examination with general and Idaho sections; English and Spanish; in-person or online proctored.
Exam questions: 75 scored questions: General Knowledge sections I-IV have 15, 15, 12 and 8; Idaho Specific Life sections I-III have 12, 3 and 10. Also 5 general and 6 Idaho pretest questions. The owner publishes question allocations, not fixed percentages.
Time limit: 120 minutes
Exam fee: $65 per state, general, or combined examination appointment

Examination outline

General Knowledge I. Types of Policies
- A. Traditional whole life products
- A. Traditional whole life products — 1. Ordinary whole life
- A. Traditional whole life products — 2. Limited-pay and single-premium life
- B. Interest/market-sensitive/adjustable life products
- B. Interest/market-sensitive/adjustable life products — 1. Universal life
- B. Interest/market-sensitive/adjustable life products — 2. Variable whole life
- B. Interest/market-sensitive/adjustable life products — 3. Variable universal life
- B. Interest/market-sensitive/adjustable life products — 4. Interest-sensitive whole life
- B. Interest/market-sensitive/adjustable life products — 5. Indexed life
- C. Term life
- C. Term life — 1. Types
- C. Term life — 1.a. Level
- C. Term life — 1.b. Decreasing
- C. Term life — 1.c. Return of premium
- C. Term life — 1.d. Annually renewable
- C. Term life — 2. Special features
- C. Term life — 2.a. Renewable
- C. Term life — 2.b. Convertible
- D. Annuities
- D. Annuities — 1. Single and flexible premium
- D. Annuities — 2. Immediate and deferred
- D. Annuities — 3. Fixed and variable
- D. Annuities — 4. Indexed
- D. Annuities — 5. Accumulation and Annuity Periods
- D. Annuities — 6. Payout options
- E. Combination plans and variations
- E. Combination plans and variations — 1. Joint life (first to die)
- E. Combination plans and variations — 2. Survivorship life (second to die)
General Knowledge II. Life Provisions, Riders, Options, and Exclusions
- A. Policy riders
- A. Policy riders — 1. Waiver of premium and waiver of monthly deduction
- A. Policy riders — 2. Guaranteed insurability
- A. Policy riders — 3. Payor benefit
- A. Policy riders — 4. Accidental death and/or accidental death and dismemberment
- A. Policy riders — 5. Term riders
- A. Policy riders — 6. Other insureds
- A. Policy riders — 7. Long term care
- A. Policy riders — 8. Return of premium
- A. Policy riders — 9. Disability
- A. Policy riders — 10. Cost of Living
- B. Policy provisions and options
- B. Policy provisions and options — 1. Entire contract
- B. Policy provisions and options — 2. Insuring clause
- B. Policy provisions and options — 3. Free look
- B. Policy provisions and options — 4. Consideration
- B. Policy provisions and options — 5. Owner’s rights
- B. Policy provisions and options — 6. Beneficiary designations
- B. Policy provisions and options — 6.a. Primary and contingent
- B. Policy provisions and options — 6.b. Revocable and irrevocable
- B. Policy provisions and options — 6.c. Common disaster
- B. Policy provisions and options — 6.d. Minor beneficiaries
- B. Policy provisions and options — 6.e. Designation by class
- B. Policy provisions and options — 7. Premium Payment
- B. Policy provisions and options — 7.a. Modes
- B. Policy provisions and options — 7.b. Grace period
- B. Policy provisions and options — 7.c. Automatic premium loan
- B. Policy provisions and options — 7.d. Level or flexible
- B. Policy provisions and options — 8. Reinstatement
- B. Policy provisions and options — 9. Policy loans, withdrawals, partial surrenders
- B. Policy provisions and options — 10. Non-forfeiture options
- B. Policy provisions and options — 11. Dividends and dividend options (e.g. participating, non-participating)
- B. Policy provisions and options — 12. Incontestability
- B. Policy provisions and options — 13. Assignments
- B. Policy provisions and options — 14. Suicide
- B. Policy provisions and options — 15. Misstatement of age and gender
- B. Policy provisions and options — 16. Settlement options
- B. Policy provisions and options — 17. Accelerated death benefits
- C. Policy exclusions
- C. Policy exclusions — 1. War
- C. Policy exclusions — 2. Aviation
- C. Policy exclusions — 3. Dangerous Occupation
General Knowledge III. Completing the Application, Underwriting, and Delivering the Polices
- A. Completing the application
- A. Completing the application — 1. Required signatures
- A. Completing the application — 2. Changes in the application
- A. Completing the application — 3. Consequences of incomplete applications
- A. Completing the application — 4. Warranties and representations
- A. Completing the application — 5. Collecting the initial premium and issuing the receipt
- A. Completing the application — 6. Replacement
- A. Completing the application — 7. Disclosures at point of sale (e.g., HIPAA, HIV consent)
- A. Completing the application — 8. USA PATRIOT Act/anti-money laundering
- A. Completing the application — 9. Gramm-Leach-Bliley Act (GLBA) Privacy
- B. Underwriting
- B. Underwriting — 1. Insurable interest
- B. Underwriting — 2. Medical information and consumer reports
- B. Underwriting — 3. Fair Credit Reporting Act
- B. Underwriting — 4. Risk classification
- B. Underwriting — 5. Stranger/Investor-owned life insurance (STOLI/IOLI)
- C. Delivering the policy
- C. Delivering the policy — 1. When coverage begins
- C. Delivering the policy — 2. Explaining the policy and its provisions, riders, exclusions, and ratings to the client
- D. Contract law
- D. Contract law — 1. Elements of a contract
- D. Contract law — 1.a. Consideration
- D. Contract law — 1.b. Offer and Acceptance
- D. Contract law — 1.c. Competent parties
- D. Contract law — 1.d. Legal purpose
- D. Contract law — 2. Unique aspects of the insurance contract
- D. Contract law — 2.a. Conditional
- D. Contract law — 2.b. Unilateral
- D. Contract law — 2.c. Adhesion
- D. Contract law — 2.d. Aleatory
General Knowledge IV. Retirement and Other Insurance Concepts
- A. Third-party ownership
- B. Life Settlements
- C. Group life insurance
- C. Group life insurance — 1. Conversion privilege
- C. Group life insurance — 2. Contributory vs. noncontributory
- D. Retirement plans
- D. Retirement plans — 1. Qualified plans
- D. Retirement plans — 2. Nonqualified plans
- E. Life insurance needs analysis/suitability
- E. Life insurance needs analysis/suitability — 1. Personal insurance needs
- E. Life insurance needs analysis/suitability — 2. Business insurance needs
- E. Life insurance needs analysis/suitability — 2.a. Key person
- E. Life insurance needs analysis/suitability — 2.b. Buy sell
- F. Social Security benefits
- G. Tax treatment of insurance premiums, proceeds, and dividends
- G. Tax treatment of insurance premiums, proceeds, and dividends — 1. Individual life
- G. Tax treatment of insurance premiums, proceeds, and dividends — 2. Group life
- G. Tax treatment of insurance premiums, proceeds, and dividends — 3. Modified Endowment Contracts (MECs)
Idaho Specific Life 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. Fraternals
- B. Definitions — 5. Authorized and unauthorized companies/admitted and nonadmitted companies
- B. Definitions — 6. Stock and mutual companies and reciprocals
- B. Definitions — 7. Certificate of authority
- B. Definitions — 8. Transacting insurance
- B. Definitions — 9. Negotiate
- C. Licensing
- C. Licensing — 1. Persons required to be licensed
- C. Licensing — 1.a. Producer
- C. Licensing — 1.b. Resident/nonresident
- C. Licensing — 2. Producer appointment/termination of appointment
- C. Licensing — 3. Obtaining a license
- C. Licensing — 3.a. Qualifications
- C. Licensing — 3.b. License application
- C. Licensing — 3.c. Written examinations
- C. Licensing — 3.d. Exemptions/exceptions
- C. Licensing — 3.e. License denial/refusal
- C. Licensing — 4. Maintaining a license
- C. Licensing — 4.a. Continuing education
- C. Licensing — 4.b. Change of address/place of business
- C. Licensing — 4.c. Fees/renewal
- C. Licensing — 4.d. Record keeping
- C. Licensing — 4.e. License expiration
- C. Licensing — 4.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.a. Rebating
- F. Marketing practices — 2.b. Misrepresentation
- F. Marketing practices — 2.c. False advertising
- F. Marketing practices — 2.d. Defamation
- F. Marketing practices — 2.e. False financial statements
- F. Marketing practices — 2.f. Boycott, coercion, intimidation
- F. Marketing practices — 2.g. Unfair discrimination
- F. Marketing practices — 2.h. Coercion of borrower
- F. Marketing practices — 2.i. Fraud
- F. Marketing practices — 2.j. Twisting
- F. Marketing practices — 3. Penalties
Idaho Specific Life II. Idaho Statutes, Rules, and Regulations Common to Life and Health/Disability Insurance Only
- A. Credit life and disability insurance
- B. Life And Health Insurance Guaranty Association Act
- C. Assignment
Idaho Specific Life III. Idaho Statutes, Rules, and Regulations Pertinent to Life Insurance Only
- A. Policy replacement
- A. Policy replacement — 1. Purpose
- A. Policy replacement — 2. Definitions
- A. Policy replacement — 3. Exemptions
- A. Policy replacement — 4. Duties of producer
- A. Policy replacement — 5. Duties of replacing insurance company
- B. Annuity contracts
- B. Annuity contracts — 1. Suitability in Annuity transactions
- C. Individual life
- C. Individual life — 1. Standard provisions
- C. Individual life — 1.a. Grace period
- C. Individual life — 1.b. Policy loan and loan interest rates
- C. Individual life — 1.c. Policy reinstatement
- C. Individual life — 1.d. Free look
- C. Individual life — 1.e. Protection of beneficiaries from creditors
- C. Individual life — 2. Life Settlements Act
- D. Group life
- D. Group life — 1. Standard provisions
- D. Group life — 2. Conversion rights
- D. Group life — 3. Eligible groups

Examination sources

pearson-idaho-insurance-candidate-handbook.pdf
S1, Examination Content Outlines effective-date heading
pearson-idaho-insurance-candidate-handbook.pdf
S1, Life General Knowledge I, section heading
pearson-idaho-insurance-candidate-handbook.pdf
S2, Idaho Specific Life outline subtitle
testing-and-fingerprints.html
Study Material: completeness of published content outlines
idaho-code-41-1006.html
Idaho Code 41-1006(1), written examination
pearson-idaho-insurance-candidate-handbook.pdf
S1, Life general knowledge scored questions
pearson-idaho-insurance-candidate-handbook.pdf
S2, Idaho specific Life scored questions
pearson-idaho-insurance-candidate-handbook.pdf
Page 7, Available Exams: ID Life Producer series
resident-application.pdf
Step 8: examinations correspond to lines of authority
pearson-idaho-insurance-candidate-handbook.pdf
Page 9, Score Reporting, right column: general and state parts

Related license preparation

This examination may be required or accepted as an alternative, depending on the license and application pathway.

Insurance Producer, Business Entity — Life; Insurance Producer — Life, Inactive Status; Insurance Producer — Life; Credit Insurance; Life Settlement Broker; Life Settlement Provider; Temporary Insurance Producer — Life; Insurance Producer — Variable Life and Variable Annuity Products