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WA Disability Producer — Information & Free Practice

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WA Disability Producer

Provider
PSI Services LLC
Format
Computer examination at a test center or remotely proctored
Exam questions
100 scored items; additional unscored experimental items may be administered
Time limit
150 minutes
Passing score
70% correct
Exam fee
$38
Examination outline
  • Federal Laws and Regulations (3 items)
    • Prohibited Persons in Insurance, waiver required
    • Affordable Care Act (ACA)
    • National Do Not Call List
  • Washington Laws, Rules, and Regulations (30 items)
    • Washington Laws, Rules, and Regulations Common to Disability Insurance
    • Washington Laws, Rules, and Regulations Common to Disability Insurance / Commissioner
    • Washington Laws, Rules, and Regulations Common to Disability Insurance / Commissioner / Broad powers (Ref: 48.02.010, .020, .060, .080, .100, .160; 48.18.310; WAC 284-02-010)
    • Washington Laws, Rules, and Regulations Common to Disability Insurance / Commissioner / Examination of records (Ref: 48.03.010-.030; WAC 284-03-015)
    • Washington Laws, Rules, and Regulations Common to Disability Insurance / Commissioner / Rates and forms (Ref: 48.18.100; 48.19.010, .040)
    • Washington Laws, Rules, and Regulations Common to Disability Insurance / Commissioner / Penalties (Ref: 48.17.530-.560)
    • Washington Laws, Rules, and Regulations Common to Disability Insurance / Commissioner / Unlicensed activities (Ref: 48.17.063)
    • Washington Laws, Rules, and Regulations Common to Disability Insurance / Terms and Concepts
    • Washington Laws, Rules, and Regulations Common to Disability Insurance / Terms and Concepts / Insurance (Ref: 48.01.040)
    • Washington Laws, Rules, and Regulations Common to Disability Insurance / Terms and Concepts / Insurer (Ref: 48.01.050; 48.09.110,.120, .300)
    • Washington Laws, Rules, and Regulations Common to Disability Insurance / Terms and Concepts / Insurance transaction (Ref: 48.01.060)
    • Washington Laws, Rules, and Regulations Common to Disability Insurance / Terms and Concepts / Authorized and unauthorized certificate of authority (Ref: 48.15, .020, .040; 48.05.215; 48.05.030)
    • Washington Laws, Rules, and Regulations Common to Disability Insurance / Terms and Concepts / Guaranty Association
    • Washington Laws, Rules, and Regulations Common to Disability Insurance / Terms and Concepts / Guaranty Association / Life - Disability (Ref: 48.32A 015-.085)
    • Washington Laws, Rules, and Regulations Common to Disability Insurance / Licensing
    • Washington Laws, Rules, and Regulations Common to Disability Insurance / Licensing / Persons required to be licensed (Ref: 48.17.060, .063, .090, .490)
    • Washington Laws, Rules, and Regulations Common to Disability Insurance / Licensing / Persons required to be licensed (Ref: 48.17.060, .063, .090, .490) / Producer (Ref: 48.17.010; 48.17.420; 48.17.060; 48.17.250; WAC 284-17-015)
    • Washington Laws, Rules, and Regulations Common to Disability Insurance / Licensing / Persons required to be licensed (Ref: 48.17.060, .063, .090, .490) / Temporary (Ref: 48.17.510)
    • Washington Laws, Rules, and Regulations Common to Disability Insurance / Licensing / Persons required to be licensed (Ref: 48.17.060, .063, .090, .490) / Nonresident (Ref: 48.17.173; WAC284-17-122)
    • Washington Laws, Rules, and Regulations Common to Disability Insurance / Licensing / Persons required to be licensed (Ref: 48.17.060, .063, .090, .490) / Exemptions (Ref: 48.17.010, .062, .110)
    • Washington Laws, Rules, and Regulations Common to Disability Insurance / Licensing / Appointments/termination of appointments (Ref: 48.17.160; 48.17.250; WAC 284-17- 429, .435, .439,.443,445,449,467,473,476,483, 490)
    • Washington Laws, Rules, and Regulations Common to Disability Insurance / Licensing / Penalties for noncompliance
    • Washington Laws, Rules, and Regulations Common to Disability Insurance / Licensing / Penalties for noncompliance / Refusal/nonrenewal (Ref: 48.17.530, .540)
    • Washington Laws, Rules, and Regulations Common to Disability Insurance / Licensing / Penalties for noncompliance / Suspension/revocation/probation (Ref: 48.17.530, .535, .540, .550)
    • Washington Laws, Rules, and Regulations Common to Disability Insurance / Licensing / Penalties for noncompliance / Fines (Ref: 48.17.560)
    • Washington Laws, Rules, and Regulations Common to Disability Insurance / Licensing / Maintenance and duration of license
    • Washington Laws, Rules, and Regulations Common to Disability Insurance / Licensing / Maintenance and duration of license / Renewal (Ref: WAC 284-17-423, 490; 48.14.010)
    • Washington Laws, Rules, and Regulations Common to Disability Insurance / Licensing / Maintenance and duration of license / Continuing education (Ref: WAC 284-17-220-265)
    • Washington Laws, Rules, and Regulations Common to Disability Insurance / Licensing / Maintenance and duration of license / Late renewal/reinstatement (Ref: WAC 284-17-490; RCW 48.17.170)
    • Washington Laws, Rules, and Regulations Common to Disability Insurance / Licensing / Maintenance and duration of license / Reporting of actions (Ref: 48.17.597)
    • Washington Laws, Rules, and Regulations Common to Disability Insurance / Licensing / Maintenance and duration of license / Licensing Process (Ref: WAC 284-17-, .005, .065)
    • Washington Laws, Rules, and Regulations Common to Disability Insurance / Licensing / Designated Responsible Licensed Person (DRLP) (Ref: 48.17.090(3)(b), WAC284-17-603)
    • Washington Laws, Rules, and Regulations Common to Disability Insurance / Marketing Practices
    • Washington Laws, Rules, and Regulations Common to Disability Insurance / Marketing Practices / Unfair practices and frauds (RCW 48.30)
    • Washington Laws, Rules, and Regulations Common to Disability Insurance / Marketing Practices / Unfair practices and frauds (RCW 48.30) / Trade practices (Ref: WAC284-30-350, 360 to 380, 400, 570-590, 660,670)
    • Washington Laws, Rules, and Regulations Common to Disability Insurance / Marketing Practices / Unfair practices and frauds (RCW 48.30) / Trade practices (Ref: WAC284-30-350, 360 to 380, 400, 570-590, 660,670) / Life – Disability (Ref: WAC284-30-450, 600 to 650)
    • Washington Laws, Rules, and Regulations Common to Disability Insurance / Marketing Practices / Unfair practices and frauds (RCW 48.30) / Producer’s Compensation Disclosure (Ref: RCW 48.17.270)
    • Washington Laws, Rules, and Regulations Common to Disability Insurance / Marketing Practices / Unfair practices and frauds (RCW 48.30) / Rebating and inducements (Ref: 48.30.140-150, .170, .190)
    • Washington Laws, Rules, and Regulations Common to Disability Insurance / Marketing Practices / Unfair practices and frauds (RCW 48.30) / Twisting (Ref: 48.30.180)
    • Washington Laws, Rules, and Regulations Common to Disability Insurance / Marketing Practices / Unfair practices and frauds (RCW 48.30) / Misrepresentation (Ref: 48.30.090, .210)
    • Washington Laws, Rules, and Regulations Common to Disability Insurance / Marketing Practices / Unfair practices and frauds (RCW 48.30) / Defamation of insurer (Ref: 48.30.080)
    • Washington Laws, Rules, and Regulations Common to Disability Insurance / Marketing Practices / Unfair practices and frauds (RCW 48.30) / Discrimination (Ref: 48.30.300; 48.18.480)
    • Washington Laws, Rules, and Regulations Common to Disability Insurance / Marketing Practices / Unfair practices and frauds (RCW 48.30) / Failure to issue proper receipts (Ref: WAC284-30-550)
    • Washington Laws, Rules, and Regulations Common to Disability Insurance / Marketing Practices / Unfair practices and frauds (RCW 48.30) / Advertising (Ref: 48.30.040-.080)
    • Washington Laws, Rules, and Regulations Common to Disability Insurance / Marketing Practices / Unfair practices and frauds (RCW 48.30) / Public interest (Ref: 48.01.030; WAC284-30-355)
    • Washington Laws, Rules, and Regulations Common to Disability Insurance / Producer responsibilities
    • Washington Laws, Rules, and Regulations Common to Disability Insurance / Producer responsibilities / Policy delivery (Ref: WAC284-30-580; 48.18.260, 48.185.005(2))
    • Washington Laws, Rules, and Regulations Common to Disability Insurance / Producer responsibilities / Premium accountability (Ref: 48.17.480)
    • Washington Laws, Rules, and Regulations Common to Disability Insurance / Producer responsibilities / Reply to the Insurance Commissioner (Ref: 48.17.475)
    • Washington Laws, Rules, and Regulations Common to Disability Insurance / Producer responsibilities / Burden of determining authorization (Ref: 48.17.067)
    • Washington Laws, Rules, and Regulations Common to Disability Insurance / Producer responsibilities / Display of License (Ref. 48.17.460)
    • Washington Laws, Rules, and Regulations Common to Disability Insurance / Compensation of licensees
    • Washington Laws, Rules, and Regulations Common to Disability Insurance / Compensation of licensees / Receiving compensation (Ref: 48.17.490)
    • Washington Laws, Rules, and Regulations Common to Disability Insurance / Compensation of licensees / Charges for extra services (Ref: 48.30.157; 48.17.270)
    • Marketing methods and practices
    • Marketing methods and practices / Outline of coverage/disclosure (Ref: WAC284-50-410 to 440)
    • Marketing methods and practices / Medicare Supplement Health Insurance Act (Ref: WAC284-66-010, 020)
    • Marketing methods and practices / Medicare Supplement Health Insurance Act (Ref: WAC284-66-010, 020) / Definitions (Ref: 284-66-030, 040)
    • Marketing methods and practices / Medicare Supplement Health Insurance Act (Ref: WAC284-66-010, 020) / Outline of Coverage/ Disclosure (Ref: 284-66-020, 080, 120, 135)
    • Marketing methods and practices / Medicare Supplement Health Insurance Act (Ref: WAC284-66-010, 020) / Buyer’s Guide (Ref: 284-66-110)
    • Marketing methods and practices / Medicare Supplement Health Insurance Act (Ref: WAC284-66-010, 020) / Replacement forms (Ref: 284-66-130, 142)
    • Marketing methods and practices / Medicare Supplement Health Insurance Act (Ref: WAC284-66-010, 020) / Application responsibilities (Ref: 48.66.140)
    • Marketing methods and practices / Medicare Supplement Health Insurance Act (Ref: WAC284-66-010, 020) / Pre-existing conditions (Ref: 48.66.055; 284-66-170)
    • Marketing methods and practices / Medicare Supplement Health Insurance Act (Ref: WAC284-66-010, 020) / Regulations (Ref: 284-66-310, 330, 340, 350)
    • Marketing methods and practices / Medicare Supplement Health Insurance Act (Ref: WAC284-66-010, 020) / Free Look (Ref: 48.66.120)
    • Marketing methods and practices / Medicare Supplement Health Insurance Act (Ref: WAC284-66-010, 020) / Guarantee Issue (Ref: 284-66-064 (4a, 4b); 48.66.025, .045(2)(a))
    • Marketing methods and practices / Long-Term Care Education Requirements (Ref: 48.83.130 WAC284-17-262, 264)
    • Marketing methods and practices / Long-Term Care Insurance (Ref: 48.83.020, .070; WAC284 284-83-030)
    • Marketing methods and practices / Long-Term Care Insurance (Ref: 48.83.020, .070; WAC284 284-83-030) / Definition (Ref: RCW 48.83.020)
    • Marketing methods and practices / Health Care False Claim Act (Ref: RCW 48.80.010, .020, .030)
    • Marketing methods and practices / Health Care False Claim Act (Ref: RCW 48.80.010, .020, .030) / Purpose (Ref: 48.80.030)
    • Marketing methods and practices / Health Care False Claim Act (Ref: RCW 48.80.010, .020, .030) / Penalty for noncompliance (Ref: 48.80.030)
    • Marketing methods and practices / Producer responsibilities
    • Health Insurance Reform
    • Health Insurance Reform / Definitions (Ref: 48.43.005(1-37); WAC 284-43-5410))
    • Health Insurance Reform / Maternity services (Ref: 48.43.115 (3a), (3f))
    • Health Insurance Reform / External review of healthcare disputes by an independent review organization (IRO) (Ref: 48.43.535)
    • Health Insurance Reform / Enrollment of a child under parent’s health plan (Ref: 48.01.235)
    • Health Insurance Reform / Policy clauses, exclusions, and provisions
    • Health Insurance Reform / Policy clauses, exclusions, and provisions / Standard provisions (Ref: RCW 48.20.032-152)
    • Health Insurance Reform / Policy clauses, exclusions, and provisions / Free Look (Ref: 48.20.013)
    • Health Insurance Reform / Policy clauses, exclusions, and provisions / Discrimination prohibited (Ref: 48.44.220; WAC284-43-5940)
    • Health Insurance Reform / Health Care Service Contractors (HCSC) and Health Maintenance Organizations (HMOs)
    • Health Insurance Reform / Health Care Service Contractors (HCSC) and Health Maintenance Organizations (HMOs) / Definitions (Ref: 48.44.010; 48.46.020)
    • Health Insurance Reform / Health Care Service Contractors (HCSC) and Health Maintenance Organizations (HMOs) / Continuation (Ref: 48.44.360; 48.46.440; 48.21.250)
    • Health Insurance Reform / Health Care Service Contractors (HCSC) and Health Maintenance Organizations (HMOs) / Coverage of newborn (Ref: 48.46.250)
    • Health Insurance Reform / Health Care Service Contractors (HCSC) and Health Maintenance Organizations (HMOs) / Coverage for children (Ref: 48.44.215)
    • Health Insurance Reform / Health Care Service Contractors (HCSC) and Health Maintenance Organizations (HMOs) / Commissioner authority over HMOs (Ref: 48.46.060(3)(4)
  • General Insurance Concepts (7 items)
    • 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 (13 items)
    • Field Underwriting
    • Field Underwriting / Application Procedures
    • Field Underwriting / Disclosures and Privacy
    • Policy Delivery
    • Policy Delivery / Effective Date of Coverage
    • Policy Delivery / Policy Review
    • Policy Delivery / Premium Collection (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
    • 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
  • Individual Accident and Health Insurance Policy Provisions (12 items)
    • 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 (7 items)
    • 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 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 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 (15 items)
    • 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 Organzations (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 items)
    • 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
  • Specialized Health Insurance for Qualified Individuals (6 items)
    • 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 items)
    • 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