LA Health and Accident or Sickness Series 102 — Information & Free Practice
US-LA · Examination information
132 free questions · Answer explanations · No signup required
LA Health and Accident or Sickness Series 102
- Provider
- PSI
- Format
- Onsite (Test Center)
- Exam questions
- 100
- Time limit
- 120 Minutes
- Passing score
- 70% Correct
Examination outline
Louisiana Insurance Regulation (10%)
- Requirements (22:1543)
- Types of licenses (22:1547, 1962(F))
- Types of licenses (22:1547, 1962(F)) > Individual producer (22:1542(6), 1546(A))
- Types of licenses (22:1547, 1962(F)) > Business entity 1546(B))
- Types of licenses (22:1547, 1962(F)) > Resident versus nonresident (22:1546, 1548, 1560)
- Types of licenses (22:1547, 1962(F)) > Temporary (22:1553)
- Maintenance and duration
- Maintenance and duration > Expiration (22:1547(B))
- Maintenance and duration > Renewal (22:1547(C))
- Maintenance and duration > Change of name, address, telephone number (22:1547(G))
- Maintenance and duration > Assumed names (22:1552)
- Maintenance and duration > Reporting of actions (22:1563)
- Maintenance and duration > Continuing education requirements including exemptions and penalties (37:XI:10.703, .705 & Rule 10.711)
- Maintenance and duration > Inactivity due to extenuating circumstances
- Maintenance and duration > Inactivity due to military service
- Disciplinary actions
- Disciplinary actions > Hearings (22:1968, 2191, 2193-2195, 2197, 2198, 2204-2208)
- Disciplinary actions > Cease and desist order (22:1969)
- Disciplinary actions > Fines, License probation, suspension, revocation, or refusal to issue or renew (22:1554)
- Disciplinary actions > Penalties with or without suspension of license (22:1969, 1970)
- State regulation
- State regulation > Commissioner's general duties and powers (22:2, 1967)
- State regulation > Company regulation
- State regulation > Company regulation > Certificate of authority (22:65, 66, 331, 332)
- State regulation > Company regulation > Unfair claims settlement practices (22:1964(14))
- State regulation > Company regulation > Appointment (22:1558)
- State regulation > Company regulation > Termination of appointment (22:1559)
- State regulation > Company regulation > Policy Forms (22:864)
- State regulation > Company regulation > Annual Reports (22:571)
- State regulation > Company regulation > State of domicile
- State regulation > Producer regulation
- State regulation > Producer regulation > Controlled business (22:1544(C))
- State regulation > Producer regulation > Shared commissions (22:1557)
- State regulation > Producer regulation > Payment to unlicensed entities (22:1562)
- State regulation > Producer regulation > Commissions, compensations, fees ((22:1542 (3); 22:1557)
- State regulation > Producer regulation > Appointments (22:1547)
- State regulation > Unfair trade practices (22:1964)
- State regulation > Unfair trade practices (22:1964) > Misrepresentation (22:1964(1, 18))
- State regulation > Unfair trade practices (22:1964) > False advertising (22:1964(2))
- State regulation > Unfair trade practices (22:1964) > Defamation (22:1964(3))
- State regulation > Unfair trade practices (22:1964) > Boycott, coercion and intimidation (22:1964(4))
- State regulation > Unfair trade practices (22:1964) > False financial statements (22:1964(5))
- State regulation > Unfair trade practices (22:1964) > Unfair discrimination (22:1964(7); 22:34)
- State regulation > Unfair trade practices (22:1964) > Rebating (22:1964(8)
- State regulation > Unfair trade practices (22:1964) > Refusing to insure (22:1964(7)(f))
- State regulation > Unfair trade practices (22:1964) > Misrepresentation for replacement of limited benefit policies (22:1964(27))
- State regulation > Examination of books and records (22:1967, 1981-1995)
- State regulation > Insurance fraud and reporting requirements (22:1964(13, 27), 1921–1929)
- State regulation > Privacy of Consumer Financial Information (37:XIII.9903– .9953)
Licensing and Regulation (2%)
- Federal Regulation
- Federal Regulation > Fair Credit Reporting Act
- Federal Regulation > Felony Convictions and Written Consent (18 USC Sections 1033 and 1034)
- Federal Regulation > Privacy (Gramm Leach Bliley)
- Federal Regulation > National Do Not Call List
- Federal Regulation > Affordable Care Act
General Insurance Concepts (11%)
- 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
- 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
Health and Accident Insurance Basics (10%)
- Field Underwriting
- Field Underwriting > Application Procedures
- Field Underwriting > Warranties and Representations
- Policy Delivery
- Policy Delivery > Effective Date of Coverage
- Policy Delivery > Policy Review
- Policy Delivery > Premium Collection
- 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
- Types of Losses and Benefits > Prescriptions
- 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
- Limited Health Insurance Policies > Credit Disability
- Classification of Risks
- Classification of Risks > Preferred
- Classification of Risks > Standard
- Classification of Risks > Substandard
Individual Accident and Health Insurance Policy Provisions (14%)
- 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 > Renewability Clause
- Other General Provisions > Coinsurance
- Other General Provisions > Probationary Period
- Other General Provisions > Elimination Period
- Other General Provisions > Exclusions
Disability Income and Related Insurance (15%)
- Benefits Determination for Disability
- Benefits Determination for Disability > Pure Loss of Income
- Benefits Determination for Disability > Indemnity
- 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
- 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 Underwriting
- Unique Aspects of Individual Disability Underwriting > Occupational Considerations
- Unique Aspects of Individual Disability Underwriting > Benefit Limits
- Unique Aspects of Individual Disability 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 Insurance
- Business Disability Insurance > Key Employee Disability Income
- Business Disability Insurance > Disability Buy-Sell Policy
- Business Disability Insurance > Business Overhead Expense
- Social Security Disability
- Social Security Disability > Qualification for Disability Benefits
- Social Security Disability > Definition of Disability
- Social Security Disability > Waiting Period
Medical Plans (10%)
- Medical Plan Concepts
- Medical Plan Concepts > Fee-for-Service
- Medical Plan Concepts > Prepaid
- Medical Plan Concepts > Specified Coverage
- 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 > Basic 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 > Gatekeeper
- 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
Group Health Insurance (9%)
- 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 Period
- Employer Group Health Insurance > Coordination of Benefits
- COBRA
- COBRA > Eligibility
- COBRA > Duration of Coverage
- COBRA > Premium
Health Insurance for Senior Citizens and Special Needs Individuals (14%)
- Medicare
- Medicare > Administration
- Medicare > Eligibility
- Medicare > Part A
- Medicare > Part B
- Medicare > Part C
- Medicare > Part D
- Medicare > Medicare Select
- Medicare Supplement Insurance
- Medicare Supplement Insurance > Open Enrollment
- Medicare Supplement Insurance > Types of Plans
- Medicare Supplement Insurance > Standardized Plan Benefits
- Other options for individuals with Medicare
- Other options for individuals with Medicare > Employer Group Health Plans
- Other options for individuals with Medicare > Medicaid
- Long-Term Care Policies
- Long-Term Care Policies > Eligibility for Benefits
- Long-Term Care Policies > Benefit Periods and Amounts
- Long-Term Care Policies > Exclusions
- Long-Term Care Policies > Guaranteed Insurability Rider
- Long-Term Care Policies > Cost of Living Rider
- Levels of Long-Term Care
- Levels of Long-Term Care > Skilled
- Levels of Long-Term Care > Intermediate
- Levels of Long-Term Care > Custodial
- Types of Long-Term Care
- Types of Long-Term Care > Home Health
- Types of Long-Term Care > Adult Daycare
- Types of Long-Term Care > Respite Care
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
- Health Insurance Premiums and Benefits > Business Disability Insurance
- Health Insurance Premiums and Benefits > Medical Expense
- Health Insurance Premiums and Benefits > Long-Term Care
- Consumer-Driven Health Plans
- Consumer-Driven Health Plans > Health Savings Accounts (HSAs)
- Consumer-Driven Health Plans > Health Reimbursement Accounts (HRAs)
- Consumer-Driven Health Plans > Flexible Spending Accounts (FSAs)
Examination sources
- PSI Louisiana Examination Content Outline — Series 102
Published section 1: Louisiana Insurance Regulation
- PSI Louisiana Examination Content Outline — Series 102
Published section 2: Licensing and Regulation
- PSI Louisiana Examination Content Outline — Series 102
Published section 3: General Insurance Concepts
- PSI Louisiana Examination Content Outline — Series 102
Published section 4: Health and Accident Insurance Basics
- PSI Louisiana Examination Content Outline — Series 102
Published section 5: Individual Accident and Health Insurance Policy Provisions
- PSI Louisiana Examination Content Outline — Series 102
Published section 6: Disability Income and Related Insurance
- PSI Louisiana Examination Content Outline — Series 102
Published section 7: Medical Plans
- PSI Louisiana Examination Content Outline — Series 102
Published section 8: Group Health Insurance
- PSI Louisiana Examination Content Outline — Series 102
Published section 9: Health Insurance for Senior Citizens and Special Needs Individuals
- PSI Louisiana Examination Content Outline — Series 102
Published section 9: allocation percentage
- PSI Louisiana Examination Content Outline — Series 102
Published section 10: Federal Tax Considerations for Health Insurance
- PSI Louisiana Examination Content Outline — Series 102
Published outline footer: effective date
- PSI Louisiana Available Tests
Available Tests: current LA Health and Accident or Sickness Series 102
- PSI Louisiana Examination Content Outline — Series 102
Page 1: Minimum Passing Score
- Louisiana Revised Statutes 22:1545
R.S. 22:1545(A)
- PSI Louisiana Available Tests
Available Tests: LA Health and Accident or Sickness Series 102
- PSI Louisiana Available Tests
Available Tests: LA Health and Accident or Sickness Series 102 and delivery
- PSI Louisiana Examination Content Outline — Series 102
Page 1: exam questions, passing score and time