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Personal Lines Producer — Information & Free Practice

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Personal Lines Producer

Provider
Pearson VUE
Format
Computer-based; scored as a whole; English and Spanish available
Exam questions
100 scoreable questions plus 10 pretest questions: 75 + 5 general knowledge; 25 + 5 Rhode Island specific
Time limit
General: 1 hour 30 minutes; State: 45 minutes
Passing score
70 scaled score
Exam fee
$80
Examination outline
  • General Knowledge I. Types of Property Policies
    • Homeowners
    • Homeowners / HO-2
    • Homeowners / HO-3
    • Homeowners / HO-4
    • Homeowners / HO-5
    • Homeowners / HO-6
    • Homeowners / HO-8
    • Dwelling policies
    • Dwelling policies / DP-1
    • Dwelling policies / DP-2
    • Dwelling policies / DP-3
    • Inland marine
    • Inland marine / Personal Articles floaters
    • National Flood Insurance Program
    • Others
    • Others / Earthquake
    • Others / Mobile Homes
    • Others / Watercraft
    • Others / Windstorm
  • General Knowledge II. Types of Casualty Policies
    • Automobile: personal auto
    • Automobile: personal auto / Liability
    • Automobile: personal auto / Liability / Bodily Injury
    • Automobile: personal auto / Liability / Property Damage
    • Automobile: personal auto / Liability / Split Limits
    • Automobile: personal auto / Liability / Combined Single Limit
    • Automobile: personal auto / Medical Payments
    • Automobile: personal auto / Physical Damage (collision; other than collision; specified perils)
    • Automobile: personal auto / Uninsured motorists
    • Automobile: personal auto / Underinsured motorists
    • Automobile: personal auto / Who is an insured
    • Automobile: personal auto / Types of Auto
    • Automobile: personal auto / Types of Auto / Owned
    • Automobile: personal auto / Types of Auto / Non-owned
    • Automobile: personal auto / Types of Auto / Hired
    • Automobile: personal auto / Types of Auto / Temporary Substitute
    • Automobile: personal auto / Types of Auto / Newly Acquired Autos
    • Automobile: personal auto / Types of Auto / Transportation Expense and Rental Reimbursement Expense
    • Automobile: personal auto / Exclusions
    • Umbrella/Excess liability
  • General Knowledge III. Property and Casualty Insurance Terms and Related Concepts
    • Insurance
    • Insurance / Law of Large Numbers
    • Insurable interest
    • Risk
    • Risk / Pure vs. Speculative Risk
    • Hazard
    • Hazard / Moral
    • Hazard / Morale
    • Hazard / Physical
    • Peril
    • Loss
    • Loss / Direct
    • Loss / Indirect
    • Loss Valuation
    • Loss Valuation / Actual cash value
    • Loss Valuation / Replacement cost
    • Loss Valuation / Market value
    • Loss Valuation / Stated value
    • Loss Valuation / Salvage value
    • Proximate cause
    • Deductible
    • Indemnity
    • Limits of liability
    • Coinsurance/Insurance to value
    • Occurrence
    • Cancellation
    • Nonrenewal
    • Vacancy and unoccupancy
    • Liability
    • Liability / Absolute
    • Liability / Strict
    • Liability / Vicarious
    • Negligence
    • Binder
    • Endorsements
    • Blanket vs. Specific
    • Burglary, Robbery, Theft, and Mysterious Disappearance
    • Warranties
    • Representations
    • Concealment
    • Deposit Premium/Audit
    • Certificate of Insurance
    • Damages
    • Damages / Compensatory
    • Damages / Compensatory / General
    • Damages / Compensatory / Special
    • Damages / Punitive
    • Compliance with Provisions of Fair Credit Reporting Act
  • General Knowledge IV. Property and Casualty Policy Provisions and Contract Law
    • Declarations
    • Insuring agreement
    • Conditions
    • Exclusions
    • Definition of the insured
    • Duties of the insured after a loss
    • Obligations of the insurance company
    • Mortgagee rights
    • Proof of loss
    • Notice of claim
    • Appraisal
    • Other Insurance Provision
    • Subrogation
    • Elements of a contract
    • Sources of underwriting information
    • Fair Credit Reporting Act
    • Privacy Protection (Gramm Leach Bliley)
    • Policy Application
    • Terrorism Risk Insurance Act (TRIA)
    • Cancellation and nonrenewal provisions
    • Supplementary payments
    • Loss settlement provisions including consent to settle a loss
    • Territory
  • Rhode Island Specific I. Rhode Island Laws, Rules, and Regulations Common to Property and Casualty Insurance
    • Commissioner/Director
    • Commissioner/Director / Broad powers
    • Commissioner/Director / Examination of records/record retention
    • Commissioner/Director / Notice and hearing
    • Commissioner/Director / Penalties
    • Definitions
    • Definitions / Domestic, foreign, and alien companies
    • Definitions / Stock and mutual companies
    • Definitions / Stock and mutual companies / Definitions
    • Definitions / Stock and mutual companies / Ownership
    • Definitions / Binders/Certificates of Insurance
    • Licensing
    • Licensing / Licensing requirements for a producer
    • Licensing / Licensing requirements for a producer / Surplus lines broker
    • Licensing / Termination of license
    • Licensing / Termination of license / Revocation, suspension and nonrenewal
    • Licensing / Continuing Education
    • Licensing / Limited/temporary licenses
    • Licensing / Producer Compensation Disclosure
    • Unfair trade practices
    • Unfair trade practices / Unfair claims settlement practices
    • Unfair trade practices / Rebating
    • Unfair trade practices / Misrepresentation
    • Unfair trade practices / Defamation
    • Unfair trade practices / Unfair Discrimination
    • Fiduciary responsibilities
    • Rhode Island Property & Casualty Insurance Guaranty Association
    • Rhode Island Property & Casualty Insurance Guaranty Association / Purpose
    • Rhode Island Property & Casualty Insurance Guaranty Association / Scope
    • Premium financing
    • Premium financing / Definitions
    • Premium financing / Limitations on interest
    • Premium financing / Cancellation of insurance contract
    • Privacy of Consumer Information
  • Rhode Island Specific II. Rhode Island Laws, Rules, and Regulations Pertinent to Property Insurance Only
    • Rhode Island Joint Reinsurance Association (RIJRA)
    • Rhode Island Joint Reinsurance Association (RIJRA) / Purposes
    • Rhode Island Joint Reinsurance Association (RIJRA) / Definitions
    • Rhode Island Joint Reinsurance Association (RIJRA) / Inspections and Reports
    • Rhode Island Joint Reinsurance Association (RIJRA) / Cancellation
    • Rhode Island Joint Reinsurance Association (RIJRA) / Limits of Coverage
    • Flood Notice requirements
    • Insurance coverage for lead poisoning
    • Notice of material change
    • Hurricane and windstorm deductibles
  • Rhode Island Specific III. Rhode Island Laws, Rules, and Regulations Pertinent to Casualty Insurance Only
    • Automobile insurance
    • Automobile insurance / Rhode Island Automobile Insurance Plan
    • Automobile insurance / Rhode Island Automobile Insurance Plan / Purpose
    • Automobile insurance / Rhode Island Automobile Insurance Plan / Applicants eligible for plan
    • Automobile insurance / Rhode Island Automobile Insurance Plan / Risks eligible for assignment
    • Automobile insurance / Rhode Island Automobile Insurance Plan / Application process/effective dates
    • Automobile insurance / Rhode Island Automobile Insurance Plan / Extent of coverage
    • Automobile insurance / Compulsory insurance
    • Automobile insurance / Compulsory insurance / Applicability
    • Automobile insurance / Compulsory insurance / Motor Vehicle Reparations Act
    • Automobile insurance / Compulsory insurance / Rental Vehicle Coverage
    • Automobile insurance / Compulsory insurance / Steering- Free Choice of Auto Repair Shop
    • Automobile insurance / Financial responsibility
    • Automobile insurance / Financial responsibility / Purpose and compliance
    • Automobile insurance / Financial responsibility / Required limits
    • Automobile insurance / Financial responsibility / Evidence of coverage
    • Automobile insurance / Financial responsibility / Uninsured motorist identification database
    • Automobile insurance / Financial responsibility / Definition of proof of financial responsibility and safety responsibility
    • Automobile insurance / Renewal, nonrenewal, and cancellation
    • Automobile insurance / Renewal, nonrenewal, and cancellation / Automobile, Liability & Property Damage: Limit on Cancellation
    • Automobile insurance / Renewal, nonrenewal, and cancellation / Personal Automobile Cancellation & Renewal
    • Automobile insurance / Renewal, nonrenewal, and cancellation / Personal Motor Vehicle, HO & Residential Fire
    • Automobile insurance / Uninsured/Underinsured motorists
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