New Hampshire Producer's Accident & Health Insurance — Information & Free Practice
US-NH · Examination information
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New Hampshire Producer's Accident & Health Insurance
- Provider
- PSI
- Format
- Computer administered written examination
- Exam questions
- 100 scored items; 5–10 additional unscored experimental questions may be administered
- Time limit
- 2 hours
- Exam fee
- $59
Examination outline
Insurance Regulation (16%)
- Licensing
- Licensing > Process (402-J:5, 6)
- Licensing > Types of Licensees
- Licensing > Types of Licensees > Producer (402-J:2, 14)
- Licensing > Types of Licensees > Producer with appointment (402-J:14)
- Licensing > Types of Licensees > Business entity (402-J:6)
- Licensing > Types of Licensees > Financial institutions (406-C:1–19)
- Licensing > Types of Licensees > Resident versus nonresident (402-J:8, 16)
- Licensing > Types of Licensees > Temporary (402-J:11)
- Licensing > Maintenance and Duration
- Licensing > Maintenance and Duration > Renewal (402-J:7(II–IV))
- Licensing > Maintenance and Duration > Change of address (402-J:7(VI))
- Licensing > Maintenance and Duration > Reporting of actions (402-J:17)
- Licensing > Maintenance and Duration > Assumed names (402-J:10)
- Licensing > Maintenance and Duration > Continuing education requirements (Reg 1302.03, 1302.04, 1304.03)
- Licensing > Disciplinary Actions
- Licensing > Disciplinary Actions > Cease and desist order (417:12)
- Licensing > Disciplinary Actions > Denial, suspension or revocation (402:49; 402-J:12)
- Licensing > Disciplinary Actions > Penalties and fines (400-A:15(III); 402:42, 48; 402-J:12(IV); 417:10, 13)
- State regulation
- State regulation > Commissioner's general duties and powers (400-A:3, 15; 417:5, 14)
- State regulation > Investigations enforcement (400-A:16)
- State regulation > Company regulation
- State regulation > Company regulation > Producer appointment (402-J:14)
- State regulation > Company regulation > Termination of appointment (402-J:15)
- State regulation > Producer regulation
- State regulation > Producer regulation > Acting without a license (402-J:3, 13)
- State regulation > Producer regulation > Commissions (402-J:13)
- State regulation > Producer regulation > Conversion of funds by producer (402:53)
- State regulation > Producer regulation > Referrals (402:16-B)
- State regulation > Producer regulation > Controlled business (402:74)
- State regulation > Producer regulation > Fiduciary requirements (Reg 4301.01–4301.09)
- State regulation > Producer regulation > License to transact business (402:12)
- State regulation > Producer regulation > Unfair claim settlement practices (417:4(XV); Reg 1001.01–.11, Reg 1002.01–.20)
- State regulation > Unfair insurance trade practices
- State regulation > Unfair insurance trade practices > Misrepresentation (402:46; 417:4(I, II))
- State regulation > Unfair insurance trade practices > Twisting (402:47; 417:4(I))
- State regulation > Unfair insurance trade practices > False information and advertising (417:4(III))
- State regulation > Unfair insurance trade practices > Defamation (417:4(IV))
- State regulation > Unfair insurance trade practices > Boycott, coercion and intimidation (417:4(V))
- State regulation > Unfair insurance trade practices > Illegal inducement (417:4(VII))
- State regulation > Unfair insurance trade practices > Unfair discrimination (417:4(VIII))
- State regulation > Unfair insurance trade practices > Rebating (402:39–41; 417:4(IX))
- Examination of books and records (400-A:37)
- Insurance fraud regulation (400-A:36-b(II); 417:23; RL 638:20)
- Consumer privacy regulation (Reg 3001–3006)
Federal Laws and Regulations (3%)
- Fair Credit Reporting Act - Purpose
- Privacy [Gramm Leach Bliley]
- Prohibited Persons in Insurance (18 United States Code (USC) Sections 1033 and 1034) waiver
- Affordable Care Act (ACA)
- National Do Not Call List
- CAN-SPAM Act
General Insurance Concepts (9%)
- Risk
- Risk > Methods of Handling Risk (Avoidance, Retention, Sharing, Reduction, Transfer)
- Risk > Elements of Insurable Risks
- Risk > Definitions (Risk, Hazard, Peril, Loss)
- 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
Accident and Health Insurance Basics (15%)
- Field Underwriting
- Field Underwriting > Application Procedures
- Field Underwriting > Disclosures and Privacy
- Underwriting Requirements (Varies by Insurer)
- Sources of Underwriting
- Sources of Underwriting > Application
- Sources of Underwriting > Producer's report
- Sources of Underwriting > Medical information bureau (MIB)
- Sources of Underwriting > Inspection report
- Sources of Underwriting > Medical examination
- Sources of Underwriting > Attending physician's report
- Policy Delivery
- Policy Delivery > Effective Date of Coverage
- Policy Delivery > Policy Review
- Policy Delivery > Premium Collection Methods (e.g., Electronic, Physical, EFT, ACH)
- 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
- Classification of Risks
- Classification of Risks > Preferred
- Classification of Risks > Standard
- Classification of Risks > Substandard
Individual Accident and Health Insurance Policy Provisions (15%)
- 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 > Coinsurance
- Other General Provisions > Probationary Period
- Other General Provisions > Elimination Period
- Other General Provisions > Exclusions
Disability Income and Related Insurance (11%)
- Benefits Determination for Disability
- Benefits Determination for Disability > Indemnity
- Benefits Determination for Disability > Loss of Income
- 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 - (Accidental Death and Dismemberment (AD&D), Rehabilitation Benefit, Medical Reimbursement Benefit)
- 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 Income Underwriting
- Unique Aspects of Individual Disability Income Underwriting > Occupational Considerations
- Unique Aspects of Individual Disability Income Underwriting > Benefit Limits
- Unique Aspects of Individual Disability Income 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 Income Insurance
- Business Disability Income Insurance > Key Employee Disability Income
- Business Disability Income Insurance > Disability Buy-Sell Policy
- Business Disability Income Insurance > Business Overhead Expense
- Social Security Disability Income
- Social Security Disability Income > Qualification for Disability Benefits
- Social Security Disability Income > Definition of Disability
- Social Security Disability Income > Waiting Period
Medical Plans (16%)
- Medical Plan Concepts
- Medical Plan Concepts > Fee-for-Service
- Medical Plan Concepts > Prepaid
- Medical Plan Concepts > Specified disease/Dread disease insurance
- 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 > 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 > Primary Care Physician
- 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
- 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
- Affordable Care Act (ACA)
- Affordable Care Act (ACA) > Eligibility
- Affordable Care Act (ACA) > Dependent coverage
- Affordable Care Act (ACA) > Essential health benefits
- Affordable Care Act (ACA) > Levels of Coverage (Metallic Plans)
Group Health Insurance (4%)
- 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/Waiting Period
- Employer Group Health Insurance > Coordination of Benefits
- COBRA
- COBRA > Eligibility
- COBRA > Duration of Coverage
- COBRA > Premium
Specialized Health Insurance for Qualified Individuals (8%)
- Medicare
- Medicare > Eligibility
- Medicare > Part A
- Medicare > Part B
- Medicare > Part C
- Medicare > Part D
- Medicare Supplement Insurance
- Medicare Supplement Insurance > Enrollment Periods
- Medicare Supplement Insurance > Standardized Plan Benefits
- Medicaid
- Medicaid > Eligibility
- Long-Term Care Policies
- Long-Term Care Policies > Eligibility for Benefits (Activities of Daily Living)
- Long-Term Care Policies > Benefit/Elimination Periods
- Long-Term Care Policies > Levels of care (Skilled, Intermediate, Custodial)
Federal Tax Considerations for Health Insurance (3%)
- Health Insurance Premiums and Benefits
- Health Insurance Premiums and Benefits > Individual
- Health Insurance Premiums and Benefits > Group
- Health Insurance Premiums and Benefits > Disability Income (Individual and Group)
- Health Insurance Premiums and Benefits > Business Disability Insurance
- Consumer-Driven Health Plans
- Consumer-Driven Health Plans > Health Savings Accounts (HSAs)
- Consumer-Driven Health Plans > Health Savings Accounts (HSAs) > High Deductible Health Plans (HDHPs)
- Consumer-Driven Health Plans > Health Reimbursement Accounts (HRAs)
- Consumer-Driven Health Plans > Flexible Spending Accounts (FSAs)
Examination sources
- PSI New Hampshire Producer Accident & Health outline
Page 1, complete published outline
- PSI New Hampshire Producer Accident & Health outline
Page 2, complete published outline
- PSI New Hampshire Producer Accident & Health outline
Page 3, complete published outline
- PSI New Hampshire Producer Accident & Health outline
Page 4, complete published outline
- PSI New Hampshire Producer Accident & Health outline
Page 5, complete published outline
- PSI New Hampshire Producer Accident & Health outline
Page 6, complete published outline
- NHID / PSI Candidate Information Bulletin
Page 10, Content Outlines
- NHID / PSI Candidate Information Bulletin
Page 10, Score Reporting
- NHID / PSI Candidate Information Bulletin
Page 10, Experimental Items
- NHID / PSI Candidate Information Bulletin
Page 9, Taking the Examination by Computer
- PSI New Hampshire Producer Accident & Health outline
Page 1, Series 12-62 examination items
- PSI New Hampshire Producer Accident & Health outline
Page 1, Series 12-62 item count and duration
- NHID / PSI Candidate Information Bulletin
Page 3, 12-62 license/examination table