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General Lines - Life, Accident & Health - English — Information & Free Practice

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General Lines - Life, Accident & Health - English

Provider
Pearson VUE
Format
Computer-administered examination
Exam questions
130 scoreable questions plus 15 pretest questions
Time limit
150 minutes
Passing score
70 scaled score
Exam fee
$49
Examination outline
  • I. TYPES OF POLICIES
    • Traditional whole life products
    • Traditional whole life products — Ordinary whole life
    • Traditional whole life products — Limited-pay and single-premium life
    • Interest/market-sensitive/adjustable life products
    • Interest/market-sensitive/adjustable life products — Universal life
    • Interest/market-sensitive/adjustable life products — Variable whole life
    • Interest/market-sensitive/adjustable life products — Variable universal life
    • Interest/market-sensitive/adjustable life products — Interest-sensitive whole life
    • Interest/market-sensitive/adjustable life products — Indexed life
    • Term life
    • Term life — Types
    • Term life — Types — Level
    • Term life — Types — Decreasing
    • Term life — Types — Return of premium
    • Term life — Types — Annually renewable
    • Term life — Special features
    • Term life — Special features — Renewable
    • Convertible Annuities
    • Convertible Annuities — Single and flexible premium
    • Convertible Annuities — Immediate and deferred
    • Convertible Annuities — Fixed and variable
    • Convertible Annuities — Indexed
    • Convertible Annuities — Accumulation and Annuity Periods
    • Convertible Annuities — Payout options
    • Combination plans and variations
    • Combination plans and variations — Joint life (first to die)
    • Combination plans and variations — Survivorship life (second to die)
  • II. POLICY RIDERS, PROVISIONS, OPTIONS, AND EXCLUSIONS
    • Policy riders
    • Policy riders — Waiver of premium and waiver of monthly deduction
    • Policy riders — Guaranteed insurability
    • Policy riders — Payor benefit
    • Policy riders — Accidental death and/or accidental death and dismemberment
    • Policy riders — Term riders
    • Policy riders — Other insureds
    • Policy riders — Long term care
    • Policy riders — Return of premium
    • Policy riders — Disability
    • Policy riders — Cost of Living
    • Policy provisions and options
    • Policy provisions and options — Entire contract
    • Policy provisions and options — Insuring clause
    • Policy provisions and options — Free look
    • Policy provisions and options — Consideration
    • Policy provisions and options — Owner’s rights
    • Policy provisions and options — Beneficiary designations
    • Policy provisions and options — Beneficiary designations — Primary and contingent
    • Policy provisions and options — Beneficiary designations — Revocable and irrevocable
    • Policy provisions and options — Beneficiary designations — Common disaster
    • Policy provisions and options — Beneficiary designations — Minor beneficiaries
    • Policy provisions and options — Beneficiary designations — Designation by class
    • Policy provisions and options — Premium Payment
    • Policy provisions and options — Premium Payment — Modes
    • Policy provisions and options — Premium Payment — Grace period
    • Policy provisions and options — Premium Payment — Automatic premium loan
    • Policy provisions and options — Premium Payment — Level or flexible
    • Policy provisions and options — Reinstatement
    • Policy provisions and options — Policy loans, withdrawals, partial surrenders
    • Policy provisions and options — Non-forfeiture options
    • Policy provisions and options — Dividends and dividend options (e.g. participating, non-participating)
    • Policy provisions and options — Incontestability
    • Policy provisions and options — Assignments
    • Policy provisions and options — Suicide
    • Policy provisions and options — Misstatement of age and gender
    • Policy provisions and options — Settlement options
    • Policy provisions and options — Accelerated death benefits
    • Policy exclusions
    • Policy exclusions — War
    • Policy exclusions — Aviation
    • Policy exclusions — Dangerous Occupation
  • III. COMPLETING THE APPLICATION, UNDERWRITING, AND DELIVERING THE POLICES
    • Completing the application
    • Completing the application — Required signatures
    • Completing the application — Changes in the application
    • Completing the application — Consequences of incomplete applications
    • Completing the application — Warranties and representations
    • Completing the application — Collecting the initial premium and issuing the receipt
    • Completing the application — Replacement
    • Completing the application — Disclosures at point of sale (e.g., HIPAA, HIV consent)
    • Completing the application — USA PATRIOT Act/anti-money laundering
    • Completing the application — Gramm-Leach-Bliley Act (GLBA) Privacy
    • Underwriting
    • Underwriting — Insurable interest
    • Underwriting — Medical information and consumer reports
    • Underwriting — Fair Credit Reporting Act
    • Underwriting — Risk classification
    • Underwriting — Stranger/Investor-owned life insurance (STOLI/IOLI)
    • Delivering the policy
    • Delivering the policy — When coverage begins
    • Delivering the policy — Explaining the policy and its provisions, riders, exclusions, and ratings to the client
    • Contract law
    • Contract law — Elements of a contract
    • Contract law — Elements of a contract — Consideration
    • Contract law — Elements of a contract — Offer and Acceptance
    • Contract law — Elements of a contract — Competent parties
    • Contract law — Elements of a contract — Legal purpose
    • Contract law — Unique aspects of the insurance contract
    • Contract law — Unique aspects of the insurance contract — Conditional
    • Contract law — Unique aspects of the insurance contract — Unilateral
    • Contract law — Unique aspects of the insurance contract — Adhesion
    • Contract law — Unique aspects of the insurance contract — Aleatory
  • IV. RETIREMENT AND OTHER INSURANCE CONCEPTS
    • Third-party ownership
    • Life Settlements
    • Group life insurance
    • Group life insurance — Conversion privilege
    • Group life insurance — Contributory vs. noncontributory
    • Retirement plans
    • Retirement plans — Qualified plans
    • Retirement plans — Nonqualified plans
    • Life insurance needs analysis/suitability
    • Life insurance needs analysis/suitability — Personal insurance needs
    • Life insurance needs analysis/suitability — Business insurance needs
    • Life insurance needs analysis/suitability — Business insurance needs — Key person
    • Life insurance needs analysis/suitability — Business insurance needs — Buy sell
    • Social Security benefits
    • Tax treatment of insurance premiums, proceeds, and dividends
    • Tax treatment of insurance premiums, proceeds, and dividends — Individual life
    • Tax treatment of insurance premiums, proceeds, and dividends — Group life
    • Tax treatment of insurance premiums, proceeds, and dividends — Modified Endowment Contracts (MECs)
  • V. TYPES OF POLICIES
    • Disability income
    • Disability income — Individual disability income policy
    • Disability income — Business overhead expense policy
    • Disability income — Business disability buyout policy
    • Disability income — Group disability income policy
    • Disability income — Key employee policy
    • Accidental death and dismemberment
    • Medical expense insurance
    • Medical expense insurance — Basic hospital, medical, and surgical policies
    • Medical expense insurance — Major medical policies
    • Medical expense insurance — Health Maintenance Organizations (HMOs)
    • Medical expense insurance — Preferred Provider Organizations (PPOs)
    • Medical expense insurance — Point of Service (POS) plans
    • Medical expense insurance — Flexible Spending Accounts (FSAs)
    • Medical expense insurance — High Deductible Health Plans (HDHPs) and related Health Savings Accounts (HSAs)
    • Medical expense insurance — Health Reimbursement Accounts (HRAs)
    • Medicare supplement policies
    • Group insurance
    • Group insurance — Differences between individual and group contracts
    • Group insurance — General characteristics
    • Group insurance — COBRA
    • Individual/Group Long Term Care (LTC)
    • Individual/Group Long Term Care (LTC) — Eligibility
    • Individual/Group Long Term Care (LTC) — Levels of care
    • Other policies
    • Other policies — Dental
    • Other policies — Vision
    • Other policies — Cancer
    • Other policies — Critical illness or specified disease
    • Other policies — Worksite (employer-sponsored)
    • Other policies — Hospital indemnity
    • Other policies — Short-term medical
    • Other policies — Accident
  • VI. POLICY PROVISIONS, CLAUSES, AND RIDERS
    • Mandatory and optional provisions
    • Mandatory and optional provisions — Entire contract
    • Mandatory and optional provisions — Time limit on certain defenses (incontestable)
    • Mandatory and optional provisions — Grace period
    • Mandatory and optional provisions — Reinstatement
    • Mandatory and optional provisions — Notice of claim
    • Mandatory and optional provisions — Claim forms
    • Mandatory and optional provisions — Proof of loss
    • Mandatory and optional provisions — Time of payment of claims
    • Mandatory and optional provisions — Payment of claims
    • Mandatory and optional provisions — Physical examination and autopsy
    • Mandatory and optional provisions — Legal actions
    • Mandatory and optional provisions — Change of beneficiary
    • Mandatory and optional provisions — Misstatement of age or gender
    • Mandatory and optional provisions — Change of occupation
    • Mandatory and optional provisions — Illegal occupation
    • Mandatory and optional provisions — Relation of earnings to insurance
    • Other provisions and clauses
    • Other provisions and clauses — Insuring clause
    • Other provisions and clauses — Free look
    • Other provisions and clauses — Consideration clause
    • Other provisions and clauses — Probationary period
    • Other provisions and clauses — Elimination period
    • Other provisions and clauses — Waiver of premium
    • Other provisions and clauses — Exclusions and limitations
    • Other provisions and clauses — Preexisting conditions
    • Other provisions and clauses — Coinsurance
    • Other provisions and clauses — Deductibles
    • Other provisions and clauses — Eligible expenses
    • Other provisions and clauses — Copayments
    • Other provisions and clauses — Pre-authorizations and prior approval requirements
    • Other provisions and clauses — Usual, reasonable, and customary (URC) charges
    • Other provisions and clauses — Lifetime, annual, or per cause maximum benefit limits
    • Riders
    • Riders — Impairment/exclusions
    • Riders — Guaranteed insurability
    • Riders — Future increase option
    • Rights of renewability
    • Rights of renewability — Noncancelable
    • Rights of renewability — Cancelable
    • Rights of renewability — Guaranteed renewable
  • VII. SOCIAL INSURANCE
    • Medicare (Parts A, B, C, D)
    • Medicaid
    • Social Security benefits
  • VIII. OTHER INSURANCE CONCEPTS
    • Total, partial, recurrent and residual disability
    • Owner’s rights
    • Dependent children benefits
    • Primary and contingent beneficiaries
    • Modes of premium payments
    • Nonduplication and coordination of benefits (e.g., primary vs. excess)
    • Occupational vs. non-occupational
    • Tax treatment of premiums and proceeds of insurance contracts (e.g., disability income and medical expenses, etc.)
    • Managed care
    • Workers Compensation
    • Subrogation
  • IX. FIELD UNDERWRITING PROCEDURES
    • Completing the application
    • Explaining sources of insurability and HIPAA privacy information (e.g., MIB Report, Fair Credit Reporting Act, etc.)
    • Initial premium payment and receipt and consequences of the receipt (e.g., medical examination, etc.)
    • Submitting application (and initial premium if collected) to company for underwriting
    • Policy delivery
    • Explaining policy and its provisions, riders, exclusions, and ratings to clients
    • Replacement
    • Contract law
    • Contract law — Elements of a contract
    • Contract law — Insurable interest
    • Contract law — Warranties and representations
    • Contract law — Unique aspects of the insurance contract
    • Contract law — Unique aspects of the insurance contract — Conditional
    • Contract law — Unique aspects of the insurance contract — Unilateral
    • Contract law — Unique aspects of the insurance contract — Adhesion
    • Contract law — Unique aspects of the insurance contract — Aleatory
  • I. TEXAS STATUTES AND RULES COMMON TO LIFE AND HEALTH INSURANCE
    • Commissioner of Insurance
    • Commissioner of Insurance — General powers and duties
    • Commissioner of Insurance — Examination of records
    • Commissioner of Insurance — Investigation/Notice of hearing
    • Commissioner of Insurance — Penalties
    • Commissioner of Insurance — Cease and desist orders
    • Insurance definitions
    • Insurance definitions — Certificate of authority
    • Insurance definitions — Transacting insurance
    • Insurance definitions — Foreign, domestic, alien
    • Insurance definitions — Stock, mutual
    • Insurance definitions — Fraternals
    • Licensing requirements
    • Licensing requirements — Types
    • Licensing requirements — Types — Agent/Agency
    • Licensing requirements — Types — Nonresident agent
    • Licensing requirements — Types — Temporary
    • Licensing requirements — Exemptions/exceptions
    • Licensing requirements — Appointment
    • Licensing requirements — Continuing education
    • Licensing requirements — Records maintenance
    • Licensing requirements — License denial, renewal, expiration
    • Licensing requirements — License termination, revocation, suspension
    • Licensing requirements — Notification to Department of certain information
    • Licensing requirements — Notification to Department of certain information — Change of address
    • Licensing requirements — Notification to Department of certain information — Felony convictions
    • Licensing requirements — Notification to Department of certain information — Administrative action taken against a license holder
    • Marketing practices
    • Marketing practices — Unfair/Prohibited trade practices
    • Marketing practices — Unfair/Prohibited trade practices — Claims methods and practices
    • Marketing practices — Unfair/Prohibited trade practices — False advertising
    • Marketing practices — Unfair/Prohibited trade practices — Misrepresentation
    • Marketing practices — Unfair/Prohibited trade practices — Defamation
    • Marketing practices — Unfair/Prohibited trade practices — Rebating
    • Marketing practices — Unfair/Prohibited trade practices — Fraud
    • Marketing practices — Unfair/Prohibited trade practices — Boycott, coercion, intimidation
    • Marketing practices — Unfair/Prohibited trade practices — Commingling
    • Marketing practices — Unfair/Prohibited trade practices — Unfair discrimination
    • Agent duties/responsibilities
    • Agent duties/responsibilities — Commission sharing
    • Texas Life and Health Guaranty Association
  • II. TEXAS STATUTES AND RULES PERTINENT TO LIFE INSURANCE ONLY
    • Marketing and Solicitation
    • Marketing and Solicitation — Advertising/Illustrations
    • Marketing and Solicitation — Policy Summary/Buyer’s Guide
    • Individual life and annuity policy provisions
    • Individual life and annuity policy provisions — Free look
    • Individual life and annuity policy provisions — Grace period
    • Individual life and annuity policy provisions — Policy loans
    • Individual life and annuity policy provisions — Prohibited provisions
    • Individual life and annuity policy provisions — Incontestability
    • Individual life and annuity policy provisions — Entire Contract
    • Individual life and annuity policy provisions — Premiums payable in advance
    • Individual life and annuity policy provisions — Statement of insured
    • Individual life and annuity policy provisions — Misstatement of age
    • Individual life and annuity policy provisions — Time for Settlement of a Claim
    • Individual life and annuity policy provisions — Designation of beneficiary, transfer, or assignment of policy
    • Individual life and annuity policy provisions — Assignment of benefits
    • Individual life and annuity policy provisions — Accelerated Term Life benefits
    • Individual life and annuity policy provisions — Reinstatement
    • Individual life and annuity policy provisions — Limitations of lawsuits
    • Individual life and annuity policy provisions — Settlement at maturity
    • Group life
    • Group life — Group eligibility and underwriting requirements
    • Group life — Conversion to individual policy
    • Group life — Dependent coverage
    • Group life — Assignment
    • Group life — Required provisions
    • Group life — Accelerated benefits
    • Credit life
    • Replacement
    • Replacement — Purpose
    • Replacement — Definitions
    • Replacement — Duties of agent
    • Replacement — Duties of replacing insurance company
    • Nonforfeiture law
  • III. Texas statutes and rules pertinent to accident and health insurance only
    • Required group and individual policy provisions
    • Required group and individual policy provisions — Coverage for newborns
    • Required group and individual policy provisions — Definition of dependent
    • Required group and individual policy provisions — Coverage for chemical dependency
    • Medicare supplement
    • Medicare supplement — Minimum standards
    • Medicare supplement — Cancellation
    • AIDS testing requirements
    • Long Term Care
    • Small group health insurance
    • Small group health insurance — Eligibility
    • Small group health insurance — Coverage and Benefits
    • Affordable Care Act
    • Affordable Care Act — Exchanges/Marketplace (Section 1321)
    • Affordable Care Act — Taxes and subsidies (Section 1401, 1402)
    • Affordable Care Act — Essential health benefits (Section 1302, 18022)
    • Affordable Care Act — Essential health benefits (Section 1302, 18022) — Mental health and substance use disorder services
    • Affordable Care Act — Essential health benefits (Section 1302, 18022) — Pediatric services
    • Affordable Care Act — Essential health benefits (Section 1302, 18022) — Preventive services
    • Affordable Care Act — Employer notification responsibilities (Section 1511-1515)
  • IV. TEXAS STATUTES AND RULES PERTINENT TO HEALTH MAINTENANCE ORGANIZATIONS (HMOS)
    • Definitions
    • Evidence of coverage
    • Nonrenewal/cancellation
    • Enrollment
    • Out of network claims
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