OpenExamsFREE PRACTICE — ANY EXAM

Utah Producer’s Personal Lines Exam — Information & Free Practice

US-UT · Examination information

144 free questions · Answer explanations · No signup required

Start free practice →

Utah Producer’s Personal Lines Exam

Provider
Prometric
Format
Computer-based licensing examination; English and Spanish delivery registrations are published.
Exam questions
100 scored questions plus 5 unscored items
Time limit
2 hours
Exam fee
$32
Examination outline
  • 1.0 Insurance Regulation (10%)
    • 1.1 Licensing
    • 1.1 Licensing / Purpose (31A-23a-101)
    • 1.1 Licensing / Process (31A-23a-103–105, 107, 302)
    • 1.1 Licensing / Qualifications (31A-23a-107, 108)
    • 1.1 Licensing / Types of licensees (31A-1-301, 31A-23a-106, 203, 401, 504)
    • 1.1 Licensing / Types of licensees (31A-1-301, 31A-23a-106, 203, 401, 504) / Producers
    • 1.1 Licensing / Types of licensees (31A-1-301, 31A-23a-106, 203, 401, 504) / Consultants
    • 1.1 Licensing / Types of licensees (31A-1-301, 31A-23a-106, 203, 401, 504) / Adjusters
    • 1.1 Licensing / Types of licensees (31A-1-301, 31A-23a-106, 203, 401, 504) / Nonresidents (31A-23a-109)
    • 1.1 Licensing / Maintenance and duration
    • 1.1 Licensing / Maintenance and duration / Renewal (31A-23a-105; 31A-23a-111)
    • 1.1 Licensing / Maintenance and duration / Continuing education requirements (31A-23a-202; Reg R590-142-1 through 10)
    • 1.1 Licensing / Maintenance and duration / Reinstatement (31A-23a-111(2), 113)
    • 1.1 Licensing / Maintenance and duration / Assumed name (31A-23a-110(2))
    • 1.1 Licensing / Maintenance and duration / Change of address or telephone number (31A-23a-412(1)(c))
    • 1.1 Licensing / Maintenance and duration / Reporting of actions (31A-23a-105(2)(b))
    • 1.1 Licensing / Disciplinary actions
    • 1.1 Licensing / Disciplinary actions / License termination, suspension, or revocation (31A-2-308(10)(a); 31A-23a-111)
    • 1.1 Licensing / Disciplinary actions / Probation (31A-23a-112)
    • 1.1 Licensing / Disciplinary actions / Monetary forfeiture (fines) (31A-2-308)
    • 1.2 State regulation
    • 1.2 State regulation / Commissioner's general duties and powers (31A-2-201)
    • 1.2 State regulation / Company regulation
    • 1.2 State regulation / Company regulation / Solvency (31A-4-105, 105.5)
    • 1.2 State regulation / Company regulation / Rates (31A-19a-201–203)
    • 1.2 State regulation / Company regulation / Policy forms (31A-21-201–203)
    • 1.2 State regulation / Company regulation / Producer appointment (31A-23a-115; Reg R590-244-1–14)
    • 1.2 State regulation / Company regulation / Termination of appointment (Reg R590-244-1–14)
    • 1.2 State regulation / Company regulation / Unfair claim settlement practices (31A-26-303; Reg R590-190–192)
    • 1.2 State regulation / Producer regulation
    • 1.2 State regulation / Producer regulation / Fiduciary and trust account responsibilities (31A-23a-409)
    • 1.2 State regulation / Producer regulation / Place of business/records maintenance (31A-23a-412)
    • 1.2 State regulation / Producer regulation / Controlled business (31A-23a-502)
    • 1.2 State regulation / Producer regulation / Shared commissions (31A-23a-504)
    • 1.2 State regulation / Unfair marketing practices (Reg R590-154)
    • 1.2 State regulation / Unfair marketing practices (Reg R590-154) / Misrepresentation (31A-21-105; 31A-23a-402(1))
    • 1.2 State regulation / Unfair marketing practices (Reg R590-154) / False advertising (31A-23a-402(1))
    • 1.2 State regulation / Unfair marketing practices (Reg R590-154) / Rebating (31A-23a-402(2), 31A-1-301(145))
    • 1.2 State regulation / Unfair marketing practices (Reg R590-154) / Unfair discrimination (31A-23a-402(3))
    • 1.2 State regulation / Unfair marketing practices (Reg R590-154) / Boycott, coercion or intimidation (31A-23a-402(4))
    • 1.2 State regulation / Unfair marketing practices (Reg R590-154) / Illegal inducement (31A-23a-402.5, Reg R590-154-11)
    • 1.2 State regulation / Examination of records (31A-2-203–205; 31A-23a-412)
    • 1.2 State regulation / Privacy of Consumer Information (Reg R590-206)
    • 1.2 State regulation / Insurance fraud regulation (31A-31-103– 106)
    • 1.2 State regulation / Personal liability for unpaid claims (31A-15-105)
    • 1.3 Federal regulation
    • 1.3 Federal regulation / Fair Credit Reporting Act (15 USC 1681– 1681d)
    • 1.3 Federal regulation / Fraud and false statements (18 USC 1033, 1034)
    • 1.3 Federal regulation / Privacy (Gramm Leach Bliley)
    • 1.3 Federal regulation / National Flood Insurance Program
  • 2.0 General Insurance (10%)
    • 2.1 Concepts
    • 2.1 Concepts / Risk management key terms
    • 2.1 Concepts / Risk management key terms / Risk
    • 2.1 Concepts / Risk management key terms / Exposure
    • 2.1 Concepts / Risk management key terms / Hazard
    • 2.1 Concepts / Risk management key terms / Peril
    • 2.1 Concepts / Risk management key terms / Loss
    • 2.1 Concepts / Methods of handling risk
    • 2.1 Concepts / Methods of handling risk / Avoidance
    • 2.1 Concepts / Methods of handling risk / Retention
    • 2.1 Concepts / Methods of handling risk / Sharing
    • 2.1 Concepts / Methods of handling risk / Reduction
    • 2.1 Concepts / Methods of handling risk / Transfer
    • 2.1 Concepts / Elements of insurable risks
    • 2.1 Concepts / Adverse selection
    • 2.1 Concepts / Law of large numbers
    • 2.1 Concepts / Reinsurance
    • 2.2 Insurers
    • 2.2 Insurers / Types of insurers
    • 2.2 Insurers / Types of insurers / Stock companies
    • 2.2 Insurers / Types of insurers / Mutual companies
    • 2.2 Insurers / Types of insurers / Fraternal benefit societies
    • 2.2 Insurers / Types of insurers / Reciprocals
    • 2.2 Insurers / Types of insurers / Lloyd's associations
    • 2.2 Insurers / Types of insurers / Risk retention groups
    • 2.2 Insurers / Private versus government insurers
    • 2.2 Insurers / Admitted versus nonadmitted insurers
    • 2.2 Insurers / Domestic, foreign and alien insurers
    • 2.2 Insurers / Financial status (independent rating services)
    • 2.2 Insurers / Marketing (distribution) systems
    • 2.3 Producers and general rules of agency
    • 2.3 Producers and general rules of agency / Insurer as principal
    • 2.3 Producers and general rules of agency / Producer/insurer relationship
    • 2.3 Producers and general rules of agency / Authority and powers of producer
    • 2.3 Producers and general rules of agency / Authority and powers of producer / Express
    • 2.3 Producers and general rules of agency / Authority and powers of producer / Implied
    • 2.3 Producers and general rules of agency / Authority and powers of producer / Apparent
    • 2.3 Producers and general rules of agency / Responsibilities to the applicant/insured
    • 2.4 Contracts
    • 2.4 Contracts / Elements of a legal contract
    • 2.4 Contracts / Elements of a legal contract / Offer and acceptance
    • 2.4 Contracts / Elements of a legal contract / Consideration
    • 2.4 Contracts / Elements of a legal contract / Competent parties
    • 2.4 Contracts / Elements of a legal contract / Legal purpose
    • 2.4 Contracts / Distinct characteristics of an insurance contract
    • 2.4 Contracts / Distinct characteristics of an insurance contract / Contract of adhesion
    • 2.4 Contracts / Distinct characteristics of an insurance contract / Aleatory contract
    • 2.4 Contracts / Distinct characteristics of an insurance contract / Personal contract
    • 2.4 Contracts / Distinct characteristics of an insurance contract / Unilateral contract
    • 2.4 Contracts / Distinct characteristics of an insurance contract / Conditional contract
    • 2.4 Contracts / Legal interpretations affecting contracts
    • 2.4 Contracts / Legal interpretations affecting contracts / Ambiguities in a contract of adhesion
    • 2.4 Contracts / Legal interpretations affecting contracts / Reasonable expectations
    • 2.4 Contracts / Legal interpretations affecting contracts / Indemnity
    • 2.4 Contracts / Legal interpretations affecting contracts / Utmost good faith
    • 2.4 Contracts / Legal interpretations affecting contracts / Representations/misrepresentations
    • 2.4 Contracts / Legal interpretations affecting contracts / Warranties
    • 2.4 Contracts / Legal interpretations affecting contracts / Concealment
    • 2.4 Contracts / Legal interpretations affecting contracts / Fraud
    • 2.4 Contracts / Legal interpretations affecting contracts / Waiver and estoppel
  • 3.0 Property and Casualty Insurance Basics (26%)
    • 3.1 Principles and concepts
    • 3.1 Principles and concepts / Insurable interest
    • 3.1 Principles and concepts / Underwriting
    • 3.1 Principles and concepts / Underwriting / Function
    • 3.1 Principles and concepts / Underwriting / Loss ratio
    • 3.1 Principles and concepts / Rates
    • 3.1 Principles and concepts / Rates / Types
    • 3.1 Principles and concepts / Rates / Loss costs
    • 3.1 Principles and concepts / Rates / Components
    • 3.1 Principles and concepts / Hazards
    • 3.1 Principles and concepts / Hazards / Physical
    • 3.1 Principles and concepts / Hazards / Moral
    • 3.1 Principles and concepts / Hazards / Morale
    • 3.1 Principles and concepts / Negligence
    • 3.1 Principles and concepts / Negligence / Elements of a negligent act
    • 3.1 Principles and concepts / Negligence / Defenses against negligence
    • 3.1 Principles and concepts / Damages
    • 3.1 Principles and concepts / Damages / Compensatory — special versus general
    • 3.1 Principles and concepts / Damages / Punitive
    • 3.1 Principles and concepts / Absolute liability
    • 3.1 Principles and concepts / Strict liability
    • 3.1 Principles and concepts / Vicarious liability
    • 3.1 Principles and concepts / Causes of loss (perils)
    • 3.1 Principles and concepts / Named perils versus special (open) perils
    • 3.1 Principles and concepts / Direct loss
    • 3.1 Principles and concepts / Consequential or indirect loss
    • 3.1 Principles and concepts / Blanket versus specific insurance
    • 3.1 Principles and concepts / Basic types of construction
    • 3.1 Principles and concepts / Loss valuation
    • 3.1 Principles and concepts / Loss valuation / Actual cash value
    • 3.1 Principles and concepts / Loss valuation / Replacement cost
    • 3.1 Principles and concepts / Loss valuation / Functional replacement cost
    • 3.1 Principles and concepts / Loss valuation / Market value
    • 3.1 Principles and concepts / Loss valuation / Agreed value
    • 3.1 Principles and concepts / Loss valuation / Stated amount
    • 3.1 Principles and concepts / Loss valuation / Valued policy
    • 3.2 Policy structure
    • 3.2 Policy structure / Declarations
    • 3.2 Policy structure / Definitions
    • 3.2 Policy structure / Insuring agreement or clause
    • 3.2 Policy structure / Additional/supplementary coverage
    • 3.2 Policy structure / Conditions
    • 3.2 Policy structure / Exclusions
    • 3.2 Policy structure / Endorsements
    • 3.3 Common policy provisions
    • 3.3 Common policy provisions / Insureds — named, first named and additional
    • 3.3 Common policy provisions / Policy period
    • 3.3 Common policy provisions / Policy territory
    • 3.3 Common policy provisions / Cancellation and nonrenewal
    • 3.3 Common policy provisions / Deductibles
    • 3.3 Common policy provisions / Other insurance
    • 3.3 Common policy provisions / Other insurance / Nonconcurrency
    • 3.3 Common policy provisions / Other insurance / Primary and excess
    • 3.3 Common policy provisions / Limits of liability
    • 3.3 Common policy provisions / Limits of liability / Per occurrence (accident)
    • 3.3 Common policy provisions / Limits of liability / Per person
    • 3.3 Common policy provisions / Limits of liability / Split
    • 3.3 Common policy provisions / Limits of liability / Combined single
    • 3.3 Common policy provisions / Policy limits
    • 3.3 Common policy provisions / Restoration/nonreduction of limits
    • 3.3 Common policy provisions / Coinsurance
    • 3.3 Common policy provisions / Vacancy or unoccupancy
    • 3.3 Common policy provisions / Named insured provisions
    • 3.3 Common policy provisions / Named insured provisions / Duties after loss
    • 3.3 Common policy provisions / Named insured provisions / Assignment
    • 3.3 Common policy provisions / Named insured provisions / Abandonment
    • 3.3 Common policy provisions / Insurer provisions
    • 3.3 Common policy provisions / Insurer provisions / Liberalization
    • 3.3 Common policy provisions / Insurer provisions / Subrogation
    • 3.3 Common policy provisions / Insurer provisions / Salvage
    • 3.3 Common policy provisions / Insurer provisions / Claim settlement options
    • 3.3 Common policy provisions / Insurer provisions / Duty to defend
    • 3.3 Common policy provisions / Third-party provisions
    • 3.3 Common policy provisions / Third-party provisions / Standard mortgage clause
    • 3.3 Common policy provisions / Third-party provisions / Loss payable clause
    • 3.3 Common policy provisions / Third-party provisions / No benefit to the bailee
    • 3.4 Utah laws, regulations and required provisions
    • 3.4 Utah laws, regulations and required provisions / Utah Property and Casualty Insurance Guaranty Association (31A-28-202–210, 212–215, 217–218, 220, 222)
    • 3.4 Utah laws, regulations and required provisions / Cancellation, issuance and renewal (31A-21-303)
    • 3.4 Utah laws, regulations and required provisions / Binders (31A-21-102)
    • 3.4 Utah laws, regulations and required provisions / Other insurance (31A-21-307)
    • 3.4 Utah laws, regulations and required provisions / Suit against insurer (31A-21-313)
    • 3.4 Utah laws, regulations and required provisions / Concealment or fraud (RL 76-6-521)
    • 3.4 Utah laws, regulations and required provisions / Federal Terrorism Insurance Program (15 USC 6701; Public Law 107–297, 109–144, 110–160)
  • 4.0 Dwelling Policy (10%)
    • 4.1 Characteristics and purpose
    • 4.2 Coverage forms — Perils insured against
    • 4.2 Coverage forms — Perils insured against / Basic
    • 4.2 Coverage forms — Perils insured against / Broad
    • 4.2 Coverage forms — Perils insured against / Special
    • 4.3 Property coverages
    • 4.3 Property coverages / Coverage A — Dwelling
    • 4.3 Property coverages / Coverage B — Other structures
    • 4.3 Property coverages / Coverage C — Personal property
    • 4.3 Property coverages / Coverage D — Fair rental value
    • 4.3 Property coverages / Coverage E — Additional living expense
    • 4.3 Property coverages / Other coverages
    • 4.4 General exclusions
    • 4.5 Conditions
    • 4.6 Selected endorsements
    • 4.6 Selected endorsements / Special provisions — Utah (DP 01 43)
    • 4.6 Selected endorsements / Automatic increase in insurance (DP 04 11)
    • 4.6 Selected endorsements / Broad theft coverage (DP 04 72)
    • 4.6 Selected endorsements / Dwelling under construction (DP 11 43)
    • 4.7 Personal liability supplement
  • 5.0 Homeowners Policy (19%)
    • 5.1 Coverage forms
    • 5.1 Coverage forms / HO-2 through HO-6
    • 5.1 Coverage forms / HO-8
    • 5.2 Definitions
    • 5.3 Section I — Property coverages
    • 5.3 Section I — Property coverages / Coverage A — Dwelling
    • 5.3 Section I — Property coverages / Coverage B — Other structures
    • 5.3 Section I — Property coverages / Coverage C — Personal property
    • 5.3 Section I — Property coverages / Coverage D — Loss of use
    • 5.3 Section I — Property coverages / Additional coverages
    • 5.4 Section II — Liability coverages
    • 5.4 Section II — Liability coverages / Coverage E — Personal liability
    • 5.4 Section II — Liability coverages / Coverage F — Medical payments to others
    • 5.4 Section II — Liability coverages / Additional coverages
    • 5.5 Perils insured against
    • 5.6 Exclusions
    • 5.7 Conditions
    • 5.8 Selected endorsements
    • 5.8 Selected endorsements / Special provisions — Utah (HO 01 43)
    • 5.8 Selected endorsements / Limited fungi, wet or dry rot, or bacteria coverage (HO 04 26, HO 04 27, HO 04 28)
    • 5.8 Selected endorsements / Permitted incidental occupancies — residence premises (HO 04 42)
    • 5.8 Selected endorsements / Earthquake (HO 04 54)
    • 5.8 Selected endorsements / Scheduled personal property (HO 04 61)
    • 5.8 Selected endorsements / Personal property replacement cost (HO 04 90)
    • 5.8 Selected endorsements / Home day care (HO 04 97)
    • 5.8 Selected endorsements / Business pursuits (HO 24 71)
    • 5.8 Selected endorsements / Personal injury (HO 24 82)
  • 6.0 Auto Insurance (19%)
    • 6.1 Laws
    • 6.1 Laws / Utah Financial Responsibility of Motor Vehicle Owners and Operators Act (RL 41-12a-101– 104)
    • 6.1 Laws / Required motor vehicle limits of liability (31A-22-301–304)
    • 6.1 Laws / Personal injury protection (31A-22-306–309)
    • 6.1 Laws / Personal injury protection (31A-22-306–309) / Medical
    • 6.1 Laws / Personal injury protection (31A-22-306–309) / Loss of income
    • 6.1 Laws / Personal injury protection (31A-22-306–309) / Special damages allowance
    • 6.1 Laws / Personal injury protection (31A-22-306–309) / Funeral
    • 6.1 Laws / Personal injury protection (31A-22-306–309) / Death
    • 6.1 Laws / Uninsured/underinsured motorist (31A-22-305–305.3)
    • 6.1 Laws / Uninsured/underinsured motorist (31A-22-305–305.3) / Definitions
    • 6.1 Laws / Uninsured/underinsured motorist (31A-22-305–305.3) / Bodily injury
    • 6.1 Laws / Uninsured/underinsured motorist (31A-22-305–305.3) / Property damage (31A-22-305.5)
    • 6.1 Laws / Uninsured/underinsured motorist (31A-22-305–305.3) / UM/UIM rejection
    • 6.1 Laws / Uninsured/underinsured motorist (31A-22-305–305.3) / Required limits
    • 6.1 Laws / Utah Assigned Risk Insurance Plan (31A-22-310)
    • 6.1 Laws / Aftermarket Crash Parts Act (31A-22-316– 319)
    • 6.2 Personal auto policy
    • 6.2 Personal auto policy / Definitions
    • 6.2 Personal auto policy / Liability coverage
    • 6.2 Personal auto policy / Liability coverage / Bodily injury and property damage
    • 6.2 Personal auto policy / Liability coverage / Supplementary payments
    • 6.2 Personal auto policy / Liability coverage / Exclusions
    • 6.2 Personal auto policy / Medical payments coverage
    • 6.2 Personal auto policy / Uninsured motorists coverage
    • 6.2 Personal auto policy / Coverage for damage to your auto
    • 6.2 Personal auto policy / Coverage for damage to your auto / Collision
    • 6.2 Personal auto policy / Coverage for damage to your auto / Other than collision
    • 6.2 Personal auto policy / Coverage for damage to your auto / Deductibles
    • 6.2 Personal auto policy / Coverage for damage to your auto / Transportation expenses
    • 6.2 Personal auto policy / Coverage for damage to your auto / Exclusions
    • 6.2 Personal auto policy / Duties after an accident or loss
    • 6.2 Personal auto policy / General provisions
    • 6.2 Personal auto policy / Selected endorsements
    • 6.2 Personal auto policy / Selected endorsements / Amendment of policy provisions — Utah (PP 01 93)
    • 6.2 Personal auto policy / Selected endorsements / Towing and labor costs (PP 03 03)
    • 6.2 Personal auto policy / Selected endorsements / Extended non-owned coverage — vehicles furnished or available for regular use (PP 03 06)
    • 6.2 Personal auto policy / Selected endorsements / Miscellaneous type vehicle (PP 03 23)
    • 6.2 Personal auto policy / Selected endorsements / Joint ownership coverage (PP 03 34)
  • 7.0 Other Coverages and Options (6%)
    • 7.1 Personal umbrella policies (DL 98 01)
    • 7.2 National Flood Insurance Program
    • 7.2 National Flood Insurance Program / "Write your own" versus government
    • 7.2 National Flood Insurance Program / Eligibility
    • 7.2 National Flood Insurance Program / Coverage
    • 7.2 National Flood Insurance Program / Limits
    • 7.2 National Flood Insurance Program / Deductibles
    • 7.3 Other policies
    • 7.3 Other policies / Boatowners
    • 7.4 Residual markets including Joint Underwriting Association (31A-2-214)
Examination sources