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Maryland Health Insurance — Requirements & Free Practice

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Insurance Producer License — Accident and Health or Sickness

The health line of the insurance producer license; individual and business-entity applicants, resident and nonresident routes, and statutory health-plan examination exemptions are retained.

Licensing authority: Maryland Insurance Administration · Application information

Business entity initial health producer licensure
No examination is required for this applicant pathway.
Applicant Type
Business entity.
Application
Submit the NAIC Uniform Business Entity Application and applicable $54 initial fee; disclose trade names, licensed producers, owners/members/managers/directors and persons controlling fiscal management.
Individual Sales
Every individual soliciting, negotiating or accepting insurance business must separately hold the corresponding line license and, when applicable, insurer appointment; the entity’s contact and employees’ licenses are applicant conditions rather than examinations of the entity.
Principal Contact
Designate a Maryland licensed insurance producer as principal contact with MIA.

Official no-examination sources

Effective from 2026-09-22.

Reapply for business entity Health authority after expiration exceeding one year
No examination is required for this applicant pathway.
Applicant Type
Business entity.
Application
Submit the NAIC Uniform Business Entity Application and applicable $54 initial fee; disclose trade names, licensed producers, owners/members/managers/directors and persons controlling fiscal management.
Individual Sales
Every individual soliciting, negotiating or accepting insurance business must separately hold the corresponding line license and, when applicable, insurer appointment; the entity’s contact and employees’ licenses are applicant conditions rather than examinations of the entity.
Lapse
More than one year after expiration; submit a new initial business-entity application and satisfy current initial requirements.
Principal Contact
Designate a Maryland licensed insurance producer as principal contact with MIA.

Official no-examination sources

Effective from 2026-09-22.

Renew a business entity health producer license
No examination is required for this applicant pathway.
Applicant Type
Business entity.
Application
Submit the NAIC Uniform Business Entity Application and applicable $54 initial fee; disclose trade names, licensed producers, owners/members/managers/directors and persons controlling fiscal management.
Continuing Education
The entity has no individual continuing education obligation; individual licensed producers comply with their own continuing education obligations.
Filing
Submit the renewal application and fee; maintain the licensed principal contact and otherwise remain eligible.
Individual Sales
Every individual soliciting, negotiating or accepting insurance business must separately hold the corresponding line license and, when applicable, insurer appointment; the entity’s contact and employees’ licenses are applicant conditions rather than examinations of the entity.
Principal Contact
Designate a Maryland licensed insurance producer as principal contact with MIA.

Official no-examination sources

Effective from 2026-09-22.

Reactivate a cleared Maryland resident license as a nonresident license
No examination is required for this applicant pathway.
Late Request
After 90 days a new nonresident application and fee are required.
New License
MIA verifies the new home-state resident license through the Producer Database.
Time Window
Within 90 days of Maryland clearance/cancellation, request reactivation with nonresident status by email or fax and supply the new address.

Official no-examination sources

Effective from 2026-09-22.

Statutory grandfather exemption — dental plan organization
No examination is required for this applicant pathway.
Application
Other applicable individual application, age, character and licensing requirements remain.
Prior Activity
For compensation, continuously solicited, procured or negotiated contracts for the named organization/plan from July 1, 1988 through June 30, 1989.
Restricted Authority
Authorization for the named dental plan organization.

Official no-examination sources

Effective from 2026-09-22.

Commissioner waiver of renewal/reinstatement procedures for service or extenuating circumstances
No examination is required for this applicant pathway.
Discretion
The Commissioner may waive reinstatement procedures for an insurance producer unable to comply with renewal and reinstatement procedures due to uniformed service or other extenuating circumstances, including long-term medical disability; the applicant must establish the circumstances and obtain the waiver.

Official no-examination sources

Effective from 2026-09-22.

Reinstate an expired health producer license — 61 days through one year
No examination is required for this applicant pathway.
Applicant Type
Individual or business entity; continuing education is applicable to individual licensees.
Deadline
Complete required continuing education no later than 15 days before license expiration (§10-116(a)(2)).
Designation Credits
COMAR 31.03.02.03H permits Commissioner-approved education credits from qualifying nationally recognized designations and their curricula/examination results; this is evidence of education, not a separate licensing-examination slot. Such credits cannot replace the three Ethics hours.
Education
Generally 24 hours per renewal period, including at least three hours of Ethics; Health-only licensees take remaining hours in Life/Health. A license held for 25 consecutive years as of October 1, 2008 has the eight-hour rule. Statutory and approved waiver provisions may apply.
Filing
Submit the appropriate reinstatement application, renewal fee, $100 reinstatement fee and proof of applicable continuing education. MIA also lists the fraud-prevention fee.
Inactive Practice
Do not conduct insurance business before the effective date of reinstatement.
Long Term Care
A Health producer selling long-term care insurance obtains at least two hours of LTC continuing education per renewal period; initial eight-hour training and subsequent four-hour training every 24 months also apply.
Time Window
Apply more than 60 days but no later than one year after expiration; reinstatement is prospective on reinstatement.

Official no-examination sources

Effective from 2026-09-22.

Reinstate an expired health producer license — within 60 days
No examination is required for this applicant pathway.
Applicant Type
Individual or business entity; continuing education is applicable to individual licensees.
Deadline
Complete required continuing education no later than 15 days before license expiration (§10-116(a)(2)).
Designation Credits
COMAR 31.03.02.03H permits Commissioner-approved education credits from qualifying nationally recognized designations and their curricula/examination results; this is evidence of education, not a separate licensing-examination slot. Such credits cannot replace the three Ethics hours.
Education
Generally 24 hours per renewal period, including at least three hours of Ethics; Health-only licensees take remaining hours in Life/Health. A license held for 25 consecutive years as of October 1, 2008 has the eight-hour rule. Statutory and approved waiver provisions may apply.
Filing
Submit the appropriate reinstatement application, renewal fee, $100 reinstatement fee and proof of applicable continuing education. MIA also lists the fraud-prevention fee.
Inactive Practice
Do not conduct insurance business before the effective date of reinstatement.
Long Term Care
A Health producer selling long-term care insurance obtains at least two hours of LTC continuing education per renewal period; initial eight-hour training and subsequent four-hour training every 24 months also apply.
Time Window
Apply within 60 days after expiration; reinstatement is retroactive to expiration.

Official no-examination sources

Effective from 2026-09-22.

Statutory grandfather exemption — health maintenance organization
No examination is required for this applicant pathway.
Application
Other applicable individual application, age, character and licensing requirements remain.
Prior Activity
For compensation, continuously solicited, procured or negotiated contracts for the named organization/plan from July 1, 1988 through June 30, 1989.
Restricted Authority
Authorization for the named health maintenance organization.

Official no-examination sources

Effective from 2026-09-22.

Reapply for individual Health authority after expiration exceeding one year

At least one of the following alternatives:

Application
Submit the NAIC Uniform Individual Application and applicable initial license fee ($54 in MIA instructions); provide accurate and complete disclosures and additional documentation requested by the Commissioner.
Character
Good character and trustworthiness; no disqualifying act under §10-126.
Employment Authorization
A noncitizen applying for a resident license must supply proof of eligibility to work in the United States; an ITIN does not establish work authorization (MIA General Licensing FAQs, p.1).
Lapse
The former individual license has been expired for more than one year; satisfy current initial requirements. Statutory same-line prior-license or nonresident exemptions remain applicant-specific conditions where applicable.
Long Term Care Sales
Selling, soliciting or negotiating long-term care insurance requires the separate eight-hour initial training and at least four hours of ongoing training every 24 months under COMAR 31.14.01.34; these are training conditions of an existing health producer license.
Minimum Age
Individual applicant must be at least 18 years old (Insurance Article §10-105(c)).
Prelicensing Education
The approved prelicensing program-of-study requirement ended October 1, 2024; continuing education remains applicable.
Score Validity
Any required license examination must be passed before applying; passing scores are valid for one year under COMAR 31.03.20.02, effective June 22, 2026.
Military servicemember or spouse — recognition of existing Health producer license
No examination is required for this applicant pathway.
Background
Satisfy Maryland background checks and no disqualifying §10-126 violation. Federal covered-license conditions exclude revocation, disciplinary action, pending unprofessional-conduct investigation or surrender while under investigation.
Compact
Federal §705A(e) excludes covered licenses operating under an applicable interstate compact.
Documents
Submit the completed paper application, military orders, notarized affidavit covering identity, complete truthful application, knowledge/compliance with Maryland requirements and good standing in every jurisdiction; spouse submits marriage certificate; furnish additional documents MIA requests.
Eligibility
Servicemember or spouse relocating residence to Maryland due to military orders; covered resident Health producer license in good standing.
Regular Option
The MIA page separately permits regular nonresident electronic application, with the normal nonresident fee.
Scope And Duration
Recognized authority follows the existing license’s scope. MIA states recognition applies during residence in Maryland due to military orders.

Official no-examination sources

Effective from 2026-09-22.

Statutory grandfather exemption — nonprofit health service plan
No examination is required for this applicant pathway.
Application
Other applicable individual application, age, character and licensing requirements remain.
Prior Activity
For compensation, continuously solicited, procured or negotiated contracts for the named organization/plan from July 1, 1988 through June 30, 1989.
Restricted Authority
Authorization for the named nonprofit health service plan.

Official no-examination sources

Effective from 2026-09-22.

Add Health authority to an active nonresident license
No examination is required for this applicant pathway.
Existing License
Active Maryland nonresident producer license and Health authority in the resident home state.
Submission
Add the line online through NIPR.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual whose home jurisdiction does not issue an equivalent producer license

At least one of the following alternatives:

Application
Submit the NAIC Uniform Individual Application and applicable initial license fee ($54 in MIA instructions); provide accurate and complete disclosures and additional documentation requested by the Commissioner.
Character
Good character and trustworthiness; no disqualifying act under §10-126.
Employment Authorization
A noncitizen applying for a resident license must supply proof of eligibility to work in the United States; an ITIN does not establish work authorization (MIA General Licensing FAQs, p.1).
Long Term Care Sales
Selling, soliciting or negotiating long-term care insurance requires the separate eight-hour initial training and at least four hours of ongoing training every 24 months under COMAR 31.14.01.34; these are training conditions of an existing health producer license.
Minimum Age
Individual applicant must be at least 18 years old (Insurance Article §10-105(c)).
Prelicensing Education
The approved prelicensing program-of-study requirement ended October 1, 2024; continuing education remains applicable.
Residency
Nonresident whose state of residence does not issue a producer license or equivalent; satisfy Maryland resident licensing requirements.
Score Validity
Any required license examination must be passed before applying; passing scores are valid for one year under COMAR 31.03.20.02, effective June 22, 2026.
Nonresident licensure by reciprocity
No examination is required for this applicant pathway.
Application
Submit the home-state application or completed uniform application and applicable fee; maintain the resident home-state license in good standing.
Home License
Hold a current resident producer license in good standing for the requested Health authority.
Reciprocity
The home state must award nonresident licenses to Maryland residents on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Renew a nonresident individual health producer license
No examination is required for this applicant pathway.
Education
Home-state continuing education is deemed sufficient when the reciprocal conditions of §10-116(c) hold; COMAR 31.03.02.05 states that a nonresident whose home state has no education requirement must fulfill Maryland requirements.
Filing
Submit the applicable renewal application and fees and remain otherwise eligible.
Home License
Maintain the corresponding resident home-state license in good standing.

Official no-examination sources

Effective from 2026-09-22.

Convert an active Maryland nonresident license to resident status
No examination is required for this applicant pathway.
Existing License
Active Maryland nonresident Health authority; prior same-line licensing and establishment of Maryland residence.
Submission
Send the status-change request by email, fax or mail with Maryland license number and new residence, mailing and applicable business addresses; MIA verifies clearance electronically.
Timing
Statute allows 90 days from establishing residence; MIA FAQ requires the status-change request within 90 days of previous home-state license cancellation.

Official no-examination sources

Effective from 2026-09-22.

Initial individual licensure with prior same line licensing evidence
No examination is required for this applicant pathway.
Application
Submit the applicable uniform application, fee and evidence of the statutory examination exemption.
Eligibility Alternatives
Currently licensed in the home state; OR application received within 90 days of cancellation and prior-state certification of good standing at cancellation; OR NAIC producer database shows current or former licensing in good standing for the requested line (§10-119(b)(2)).
Same Line
Previously licensed for the same line of authority.

Official no-examination sources

Effective from 2026-09-22.

Add Health authority to an active resident individual producer license

At least one of the following alternatives:

Application
Pass the appropriate examination and check the existing license after 2–3 business days; do not apply for a new license. No charge for adding the line; expiration is unchanged.
Character
Good character and trustworthiness; no disqualifying act under §10-126.
Employment Authorization
A noncitizen applying for a resident license must supply proof of eligibility to work in the United States; an ITIN does not establish work authorization (MIA General Licensing FAQs, p.1).
Existing License
Active resident individual producer license; adding Health authority.
Long Term Care Sales
Selling, soliciting or negotiating long-term care insurance requires the separate eight-hour initial training and at least four hours of ongoing training every 24 months under COMAR 31.14.01.34; these are training conditions of an existing health producer license.
Minimum Age
Individual applicant must be at least 18 years old (Insurance Article §10-105(c)).
Prelicensing Education
The approved prelicensing program-of-study requirement ended October 1, 2024; continuing education remains applicable.
Score Validity
Any required license examination must be passed before applying; passing scores are valid for one year under COMAR 31.03.20.02, effective June 22, 2026.
Resident individual initial licensure by examination

At least one of the following alternatives:

Application
Submit the NAIC Uniform Individual Application and applicable initial license fee ($54 in MIA instructions); provide accurate and complete disclosures and additional documentation requested by the Commissioner.
Character
Good character and trustworthiness; no disqualifying act under §10-126.
Employment Authorization
A noncitizen applying for a resident license must supply proof of eligibility to work in the United States; an ITIN does not establish work authorization (MIA General Licensing FAQs, p.1).
Exam Alternative
Series 20-24 tests health; Series 20-30 is the separately administered Life and Health examination for applicants also seeking Life authority. Its full published content is retained.
Long Term Care Sales
Selling, soliciting or negotiating long-term care insurance requires the separate eight-hour initial training and at least four hours of ongoing training every 24 months under COMAR 31.14.01.34; these are training conditions of an existing health producer license.
Minimum Age
Individual applicant must be at least 18 years old (Insurance Article §10-105(c)).
Prelicensing Education
The approved prelicensing program-of-study requirement ended October 1, 2024; continuing education remains applicable.
Residency
Resident individual applicant for the health line.
Score Validity
Any required license examination must be passed before applying; passing scores are valid for one year under COMAR 31.03.20.02, effective June 22, 2026.
Renew a resident individual health producer license
No examination is required for this applicant pathway.
Deadline
Complete required continuing education no later than 15 days before license expiration (§10-116(a)(2)).
Designation Credits
COMAR 31.03.02.03H permits Commissioner-approved education credits from qualifying nationally recognized designations and their curricula/examination results; this is evidence of education, not a separate licensing-examination slot. Such credits cannot replace the three Ethics hours.
Education
Generally 24 hours per renewal period, including at least three hours of Ethics; Health-only licensees take remaining hours in Life/Health. A license held for 25 consecutive years as of October 1, 2008 has the eight-hour rule. Statutory and approved waiver provisions may apply.
Fee
MIA lists a $69 renewal fee, including the fraud prevention fee.
Filing
Remain otherwise eligible, submit the renewal application and fees by expiration, and satisfy tax/unemployment contribution clearance under §10-115(g).
Long Term Care
A Health producer selling long-term care insurance obtains at least two hours of LTC continuing education per renewal period; initial eight-hour training and subsequent four-hour training every 24 months also apply.

Official no-examination sources

Effective from 2026-09-22.

Restore a cancelled Health line on a resident producer license

At least one of the following alternatives:

Application
Submit the NAIC Uniform Individual Application and applicable initial license fee ($54 in MIA instructions); provide accurate and complete disclosures and additional documentation requested by the Commissioner.
Character
Good character and trustworthiness; no disqualifying act under §10-126.
Employment Authorization
A noncitizen applying for a resident license must supply proof of eligibility to work in the United States; an ITIN does not establish work authorization (MIA General Licensing FAQs, p.1).
Long Term Care Sales
Selling, soliciting or negotiating long-term care insurance requires the separate eight-hour initial training and at least four hours of ongoing training every 24 months under COMAR 31.14.01.34; these are training conditions of an existing health producer license.
Minimum Age
Individual applicant must be at least 18 years old (Insurance Article §10-105(c)).
Prelicensing Education
The approved prelicensing program-of-study requirement ended October 1, 2024; continuing education remains applicable.
Prior Cancellation
The resident licensee previously requested cancellation of the Health line and now wants it added again.
Requalification
Successfully pass the appropriate current examination; modify the existing license rather than apply for a new producer license.
Score Validity
Any required license examination must be passed before applying; passing scores are valid for one year under COMAR 31.03.20.02, effective June 22, 2026.
Convert Maryland resident license to nonresident status after relocation
No examination is required for this applicant pathway.
New Residence
Hold the corresponding resident Health authority in the new home state.
Notification
File a change of address and provide new resident-state certification within 30 days; no license application or fee for the change of legal residence under §10-119(g).

Official no-examination sources

Effective from 2026-09-22.

Resident licensure following a move to Maryland without an active Maryland nonresident license
No examination is required for this applicant pathway.
Implementation Deadline
MIA FAQ p.2 states: "If the applicant does not hold an active Maryland nonresident license they must submit a new license application and the appropriate fee within 90 days of the previous home state license cancellation."
Prior License
Previously licensed for the requested Health line in the prior state.
Statutory Deadline
Apply within 90 days of establishing legal residence (§10-119(h)); the Commissioner may provide otherwise by regulation.
Submission
Submit a paper application and fee; MIA verifies prior-state clearance through the NAIC Producer Database.

Official no-examination sources

Effective from 2026-09-22.

Maryland Accident and Health or Sickness Producer Exam

Provider
Prometric
Format
Computer-administered four-option multiple-choice examination, offered in English and Spanish
Exam questions
80 scored questions plus 10 unscored questions
Time limit
1 hour 45 minutes
Exam fee
$62
Examination outline
  • 1.0 Insurance Regulation 30% (24 items)
    • 1.1 Licensing
    • 1.1 Licensing > General Provisions and Definitions
    • 1.1 Licensing > Purpose
    • 1.1 Licensing > Process (Insurance Article Annotated Code- Sec. 10-118(b)(2); Sec. 10-103(c)(1))
    • 1.1 Licensing > Process (Insurance Article Annotated Code- Sec. 10-118(b)(2); Sec. 10-103(c)(1)) > Initial Licensure Qualifications
    • 1.1 Licensing > Process (Insurance Article Annotated Code- Sec. 10-118(b)(2); Sec. 10-103(c)(1)) > Examination
    • 1.1 Licensing > Process (Insurance Article Annotated Code- Sec. 10-118(b)(2); Sec. 10-103(c)(1)) > License fee & application
    • 1.1 Licensing > Types of licensees (Insurance Article Annotated Code- Sec. 1-101(u)(1))
    • 1.1 Licensing > Types of licensees (Insurance Article Annotated Code- Sec. 1-101(u)(1)) > Producers
    • 1.1 Licensing > Types of licensees (Insurance Article Annotated Code- Sec. 1-101(u)(1)) > Advisers
    • 1.1 Licensing > Types of licensees (Insurance Article Annotated Code- Sec. 1-101(u)(1)) > Nonresidents
    • 1.1 Licensing > Types of licensees (Insurance Article Annotated Code- Sec. 1-101(u)(1)) > Business entities
    • 1.1 Licensing > Types of licensees (Insurance Article Annotated Code- Sec. 1-101(u)(1)) > Exceptions
    • 1.1 Licensing > Maintenance (Insurance Article Annotated Code- Sec. 10- 211(e)(2)(i); Sec. 10-115; Sec. 10-1-05; Sect. 10- 116(a)(2)(i);))
    • 1.1 Licensing > Maintenance (Insurance Article Annotated Code- Sec. 10- 211(e)(2)(i); Sec. 10-115; Sec. 10-1-05; Sect. 10- 116(a)(2)(i);)) > Duration and termination
    • 1.1 Licensing > Maintenance (Insurance Article Annotated Code- Sec. 10- 211(e)(2)(i); Sec. 10-115; Sec. 10-1-05; Sect. 10- 116(a)(2)(i);)) > Address and/or name changes
    • 1.1 Licensing > Maintenance (Insurance Article Annotated Code- Sec. 10- 211(e)(2)(i); Sec. 10-115; Sec. 10-1-05; Sect. 10- 116(a)(2)(i);)) > Assumed names
    • 1.1 Licensing > Maintenance (Insurance Article Annotated Code- Sec. 10- 211(e)(2)(i); Sec. 10-115; Sec. 10-1-05; Sect. 10- 116(a)(2)(i);)) > Requirement to report felony convictions
    • 1.1 Licensing > Maintenance (Insurance Article Annotated Code- Sec. 10- 211(e)(2)(i); Sec. 10-115; Sec. 10-1-05; Sect. 10- 116(a)(2)(i);)) > Requirement to report other states actions
    • 1.1 Licensing > Maintenance (Insurance Article Annotated Code- Sec. 10- 211(e)(2)(i); Sec. 10-115; Sec. 10-1-05; Sect. 10- 116(a)(2)(i);)) > Continuing education
    • 1.1 Licensing > Appointment procedures (Insurance Article Annotated Code- Sec. 1-101; Sec. 10- 118; Sec. 27-209)
    • 1.1 Licensing > Appointment procedures (Insurance Article Annotated Code- Sec. 1-101; Sec. 10- 118; Sec. 27-209) > Producer's contract with insurer versus producer's appointment with insurer
    • 1.1 Licensing > Appointment procedures (Insurance Article Annotated Code- Sec. 1-101; Sec. 10- 118; Sec. 27-209) > Producer's appointment versus agency's appointment
    • 1.1 Licensing > Appointment procedures (Insurance Article Annotated Code- Sec. 1-101; Sec. 10- 118; Sec. 27-209) > Solicitation prior to appointment
    • 1.1 Licensing > Appointment procedures (Insurance Article Annotated Code- Sec. 1-101; Sec. 10- 118; Sec. 27-209) > Appointment requirement after becoming licensed
    • 1.1 Licensing > Appointment procedures (Insurance Article Annotated Code- Sec. 1-101; Sec. 10- 118; Sec. 27-209) > Acknowledgment of appointment/notice to producer
    • 1.1 Licensing > Appointment procedures (Insurance Article Annotated Code- Sec. 1-101; Sec. 10- 118; Sec. 27-209) > Requirement to cease solicitation
    • 1.1 Licensing > Appointment procedures (Insurance Article Annotated Code- Sec. 1-101; Sec. 10- 118; Sec. 27-209) > Termination of appointment/notice to producer
    • 1.1 Licensing > Appointment procedures (Insurance Article Annotated Code- Sec. 1-101; Sec. 10- 118; Sec. 27-209) > Termination of license without active appointment
    • 1.1 Licensing > Disciplinary actions (Insurance Article Annotated Code- Sec. 1-301; Sec. 10- 126; Sec. 27-202)
    • 1.1 Licensing > Disciplinary actions (Insurance Article Annotated Code- Sec. 1-301; Sec. 10- 126; Sec. 27-202) > Probation, suspension, revocation or refusal to issue or renew
    • 1.1 Licensing > Disciplinary actions (Insurance Article Annotated Code- Sec. 1-301; Sec. 10- 126; Sec. 27-202) > Cease and desist order
    • 1.1 Licensing > Disciplinary actions (Insurance Article Annotated Code- Sec. 1-301; Sec. 10- 126; Sec. 27-202) > Penalties
    • 1.1 Licensing > Disciplinary actions (Insurance Article Annotated Code- Sec. 1-301; Sec. 10- 126; Sec. 27-202) > Hearings/Notice of Hearings
    • 1.1 Licensing > Fraud (Insurance Article Annotated Code- Sec. 27- 216(a)(1)(i); Sec. 2-401)
    • 1.2 State regulation
    • 1.2 State regulation > Maryland Insurance Administration's general duties and powers (Insurance Article Annotated Code- Sec. 2-102(a); Sec. 2-103(a)(4); Sec. 2-204(b)(1); Sec. 14- 404, 16-601; Sec. 1- 301; Sec. 2-101)
    • 1.2 State regulation > Producer regulation (Insurance Article Annotated Code- Sec. 27-209; Sec. 10-105; COMAR- Sec. 31.03.03)
    • 1.2 State regulation > Producer regulation (Insurance Article Annotated Code- Sec. 27-209; Sec. 10-105; COMAR- Sec. 31.03.03) > Acting for an unlicensed insurer
    • 1.2 State regulation > Producer regulation (Insurance Article Annotated Code- Sec. 27-209; Sec. 10-105; COMAR- Sec. 31.03.03) > Record retention
    • 1.2 State regulation > Producer regulation (Insurance Article Annotated Code- Sec. 27-209; Sec. 10-105; COMAR- Sec. 31.03.03) > Activities of unlicensed individuals
    • 1.2 State regulation > Producer regulation (Insurance Article Annotated Code- Sec. 27-209; Sec. 10-105; COMAR- Sec. 31.03.03) > Payment and sharing of commissions
    • 1.2 State regulation > Producer regulation (Insurance Article Annotated Code- Sec. 27-209; Sec. 10-105; COMAR- Sec. 31.03.03) > Charging of fees
    • 1.2 State regulation > Producer regulation (Insurance Article Annotated Code- Sec. 27-209; Sec. 10-105; COMAR- Sec. 31.03.03) > Illegal compensation; exceptions
    • 1.2 State regulation > Producer regulation (Insurance Article Annotated Code- Sec. 27-209; Sec. 10-105; COMAR- Sec. 31.03.03) > Fiduciary capacity
    • 1.2 State regulation > Producer regulation (Insurance Article Annotated Code- Sec. 27-209; Sec. 10-105; COMAR- Sec. 31.03.03) > Responsibility of trust accounts
    • 1.2 State regulation > Unfair trade practices (Insurance Article Annotated Code- Sec. 27-304 Sec. 27-213; Sec. 27-305(a); Sec. 27-504(b)(1))
    • 1.2 State regulation > Unfair trade practices (Insurance Article Annotated Code- Sec. 27-304 Sec. 27-213; Sec. 27-305(a); Sec. 27-504(b)(1)) > Misrepresentation
    • 1.2 State regulation > Unfair trade practices (Insurance Article Annotated Code- Sec. 27-304 Sec. 27-213; Sec. 27-305(a); Sec. 27-504(b)(1)) > False advertising
    • 1.2 State regulation > Unfair trade practices (Insurance Article Annotated Code- Sec. 27-304 Sec. 27-213; Sec. 27-305(a); Sec. 27-504(b)(1)) > Defamation
    • 1.2 State regulation > Unfair trade practices (Insurance Article Annotated Code- Sec. 27-304 Sec. 27-213; Sec. 27-305(a); Sec. 27-504(b)(1)) > Notice of Adverse Underwriting Decisions
    • 1.2 State regulation > Unfair trade practices (Insurance Article Annotated Code- Sec. 27-304 Sec. 27-213; Sec. 27-305(a); Sec. 27-504(b)(1)) > False statements and entries
    • 1.2 State regulation > Unfair trade practices (Insurance Article Annotated Code- Sec. 27-304 Sec. 27-213; Sec. 27-305(a); Sec. 27-504(b)(1)) > Rebating
    • 1.2 State regulation > Unfair trade practices (Insurance Article Annotated Code- Sec. 27-304 Sec. 27-213; Sec. 27-305(a); Sec. 27-504(b)(1)) > Twisting
    • 1.2 State regulation > Unfair trade practices (Insurance Article Annotated Code- Sec. 27-304 Sec. 27-213; Sec. 27-305(a); Sec. 27-504(b)(1)) > Referrals
    • 1.2 State regulation > Insurance information and privacy protection
    • 1.3 Providers
    • 1.3 Providers > Types of Providers
    • 1.3 Providers > Types of Providers > Insurers (Annotated Code- Sec. 1-101)
    • 1.3 Providers > Types of Providers > Non Profits Health Service Plans (Insurance Article Annotated Code- Sec. 14-101 and 14- 102)
    • 1.3 Providers > Types of Providers > Health Maintenance Organizations (HMOs) (COMAR Sec. 31.12.07.02(B)(3); Health General Article Annotated Code-Title 19 Subtitle 7- Sec. 19-701; Sec. 19-705)
    • 1.4 Plan requirements
    • 1.4 Plan requirements > Eligibility requirements
    • 1.4 Plan requirements > Eligibility requirements > Dependent child age limit
    • 1.4 Plan requirements > Eligibility requirements > Coverage for adopted children
    • 1.4 Plan requirements > Eligibility requirements > Newborn child coverage
    • 1.4 Plan requirements > Eligibility requirements > Medical child support coverage
    • 1.4 Plan requirements > Eligibility requirements > Intellectual disability and physical handicap dependent coverage
    • 1.4 Plan requirements > Mandated or Required Offers (Insurance Article Annotated Code- Sec. 15-407, 15- 408, 15-409; Sec. 15-801, 15-802, 15-810, 15-839)
    • 1.4 Plan requirements > Mandated or Required Benefits (COMAR Sec. 31.10.06.08(B)(12); Insurance Article Annotated Code- Sec. 15-804(3); Sec. 15- 802, 15-838, 15- 841)
    • 1.4 Plan requirements > Other Requirements
    • 1.4 Plan requirements > Small Employer Health Insurance (Insurance Article Annotated Code- Sec. 15-1204 (special note)(b); Sec. 15-1205; Sec. 15-1208(C); Sec. 15- 1201(e))
    • 1.4 Plan requirements > Medicare Supplement Insurance (Insurance Article Annotated Code- Sec. 15-901; Sec. 15-906; Sec. 15-909; Sec. 15-910)
    • 1.4 Plan requirements > Medicare Supplement Insurance (Insurance Article Annotated Code- Sec. 15-901; Sec. 15-906; Sec. 15-909; Sec. 15-910) > Purpose and Definitions
    • 1.4 Plan requirements > Medicare Supplement Insurance (Insurance Article Annotated Code- Sec. 15-901; Sec. 15-906; Sec. 15-909; Sec. 15-910) > Minimum Standards and Provisions
    • 1.4 Plan requirements > Medicare Supplement Insurance (Insurance Article Annotated Code- Sec. 15-901; Sec. 15-906; Sec. 15-909; Sec. 15-910) > Eligibility
    • 1.4 Plan requirements > Medicare Supplement Insurance (Insurance Article Annotated Code- Sec. 15-901; Sec. 15-906; Sec. 15-909; Sec. 15-910) > Disclosure and Marketing
    • 1.4 Plan requirements > Maryland Health Benefit Exchange
    • 1.4 Plan requirements > Maryland Health Benefit Exchange > SHOP vs. Individual Exchange
    • 1.4 Plan requirements > Maryland Health Benefit Exchange > Open Enrollment/Special Enrollment
    • 1.4 Plan requirements > Maryland Health Benefit Exchange > Employer Choice Options in SHOP Exchange
    • 1.4 Plan requirements > Maryland Health Benefit Exchange > Mandated Referrals
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Maryland Long-Term Care (LTC) regulations and required provisions (Tax General Article 10-710 - Sec. 10-718; Insurance Article Annotated Code- Sec. 18-101; Sec. 18- 104; Sec. 18-105)
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Maryland Long-Term Care (LTC) regulations and required provisions (Tax General Article 10-710 - Sec. 10-718; Insurance Article Annotated Code- Sec. 18-101; Sec. 18- 104; Sec. 18-105) > Standards for marketing
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Maryland Long-Term Care (LTC) regulations and required provisions (Tax General Article 10-710 - Sec. 10-718; Insurance Article Annotated Code- Sec. 18-101; Sec. 18- 104; Sec. 18-105) > Advertising
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Consumer guide
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Outline of coverage
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Suitability including personal worksheet
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Right to return (free look)
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Replacement
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Renewal considerations
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Continuation of benefits
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Required disclosure provisions
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Incontestability
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Inflation protection
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Unintentional lapse
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Pre-existing conditions
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Nonforfeiture benefit
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Benefit triggers
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Long-Term Care (LTC)Insurance
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Long-Term Care (LTC)Insurance > Deductibility of Premiums for LTC Insurance for State Income Tax Purposes
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Maryland Medicare Supplement regulations and required provisions
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Maryland Medicare Supplement regulations and required provisions > Standards for marketing
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Maryland Medicare Supplement regulations and required provisions > Advertising
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Maryland Medicare Supplement regulations and required provisions > Appropriateness of recommended purchase and excessive insurance
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Maryland Medicare Supplement regulations and required provisions > Buyer's guide
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Maryland Medicare Supplement regulations and required provisions > Outline of coverage
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Maryland Medicare Supplement regulations and required provisions > Right to return (free look)
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Maryland Medicare Supplement regulations and required provisions > Replacement
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Maryland Medicare Supplement regulations and required provisions > Prohibited policy provisions
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Maryland Medicare Supplement regulations and required provisions > Minimum benefit standards
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Maryland Medicare Supplement regulations and required provisions > Required disclosure provisions
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Maryland Medicare Supplement regulations and required provisions > Pre-existing conditions
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Maryland Medicare Supplement regulations and required provisions > Permitted compensation
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Maryland Medicare Supplement regulations and required provisions > Guaranteed issue for eligible persons
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Maryland Medicare Supplement regulations and required provisions > Continuation and conversion requirements
    • 1.5 Insurance for Senior Citizens and Special Needs Individuals > Maryland Medicare Supplement regulations and required provisions > Medicare SELECT
  • 2.0 General Insurance 9% (7 items)
    • 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 > Self insurers
    • 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) and operating results
    • 2.2 Insurers > Marketing (distribution) systems
    • 2.3 Producer and general rules of agency
    • 2.3 Producer and general rules of agency > Types
    • 2.3 Producer and general rules of agency > Types > Captive
    • 2.3 Producer and general rules of agency > Types > Independent
    • 2.3 Producer and general rules of agency > Insurer as principal
    • 2.3 Producer and general rules of agency > Producer of insurer
    • 2.3 Producer and general rules of agency > Authority and powers of producers
    • 2.3 Producer and general rules of agency > Authority and powers of producers > Express
    • 2.3 Producer and general rules of agency > Authority and powers of producers > Implied
    • 2.3 Producer and general rules of agency > Authority and powers of producers > Apparent
    • 2.3 Producer 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
    • 2.5 Federal regulation
    • 2.5 Federal regulation > Fair Credit Reporting Act (15 USC 1681–1681d)
    • 2.5 Federal regulation > Fraud and false statements (18 USC 1033, 1034)
    • 2.5 Federal regulation > Employee Retirement Income Security Act (ERISA)
    • 2.5 Federal regulation > Employee Retirement Income Security Act (ERISA) > Applicability
    • 2.5 Federal regulation > Employee Retirement Income Security Act (ERISA) > Fiduciary responsibilities
    • 2.5 Federal regulation > Employee Retirement Income Security Act (ERISA) > Reporting and disclosure
    • 2.5 Federal regulation > COBRA
    • 2.5 Federal regulation > Continuation
    • 2.5 Federal regulation > ACA-Related Federal Market Reforms
    • 2.5 Federal regulation > ACA-Related Federal Market Reforms > Definitions
    • 2.5 Federal regulation > ACA-Related Federal Market Reforms > Definitions > Individual health insurance coverage
    • 2.5 Federal regulation > ACA-Related Federal Market Reforms > Dependent coverage
    • 2.5 Federal regulation > ACA-Related Federal Market Reforms > Lifetime and annual limits
    • 2.5 Federal regulation > ACA-Related Federal Market Reforms > Restrictions relating to premium rates
    • 2.5 Federal regulation > ACA-Related Federal Market Reforms > Essential health benefits
    • 2.5 Federal regulation > ACA-Related Federal Market Reforms > Waiting periods
    • 2.6 Industry regulation
    • 2.6 Industry regulation > National Association of Insurance Commissioners (NAIC)
  • 3.0 Health Insurance Basics 11% (9 items)
    • 3.1 Definitions of perils
    • 3.1 Definitions of perils > Accidental injury
    • 3.1 Definitions of perils > Sickness
    • 3.2 Principal types of losses and benefits
    • 3.2 Principal types of losses and benefits > Loss of income from disability
    • 3.2 Principal types of losses and benefits > Medical expense
    • 3.2 Principal types of losses and benefits > Dental expense
    • 3.2 Principal types of losses and benefits > Long-term care expense
    • 3.2 Principal types of losses and benefits > Vision
    • 3.2 Principal types of losses and benefits > Prescription
    • 3.2 Principal types of losses and benefits > AD&D (Accidental Death and Dismemberment)
    • 3.2 Principal types of losses and benefits > Specified Disease
    • 3.3 Classes of health insurance policies
    • 3.3 Classes of health insurance policies > Individual versus group
    • 3.3 Classes of health insurance policies > Private versus government
    • 3.3 Classes of health insurance policies > Limited versus comprehensive
    • 3.4 Limited policies
    • 3.4 Limited policies > Limited perils and amounts
    • 3.4 Limited policies > Required notice to insured
    • 3.4 Limited policies > Types of limited policies
    • 3.4 Limited policies > Types of limited policies > Accident-only
    • 3.4 Limited policies > Types of limited policies > Specified (dread) disease
    • 3.4 Limited policies > Types of limited policies > Hospital indemnity (income)
    • 3.4 Limited policies > Types of limited policies > Credit disability
    • 3.4 Limited policies > Types of limited policies > Blanket insurance (teams, passengers, other)
    • 3.4 Limited policies > Types of limited policies > Prescription drugs
    • 3.4 Limited policies > Types of limited policies > Vision care
    • 3.4 Limited policies > Types of limited policies > Critical illness (specified conditions)
    • 3.4 Limited policies > Types of limited policies > Short-term medical
    • 3.5 Common exclusions from coverage
    • 3.5 Common exclusions from coverage > Pre-existing conditions
    • 3.5 Common exclusions from coverage > Intentionally self-inflicted injuries
    • 3.5 Common exclusions from coverage > War or act of war
    • 3.5 Common exclusions from coverage > Elective cosmetic surgery
    • 3.5 Common exclusions from coverage > Conditions covered by workers compensation
    • 3.5 Common exclusions from coverage > Government plans
    • 3.5 Common exclusions from coverage > Participation in a felony or illegal occupation
    • 3.6 Producer responsibilities in individual health insurance
    • 3.6 Producer responsibilities in individual health insurance > Marketing requirements
    • 3.6 Producer responsibilities in individual health insurance > Marketing requirements > Advertising
    • 3.6 Producer responsibilities in individual health insurance > Marketing requirements > Prohibited Advertising of Life and Health Insurance
    • 3.6 Producer responsibilities in individual health insurance > Marketing requirements > Maryland Life and Health Insurance Guaranty Corporation
    • 3.6 Producer responsibilities in individual health insurance > Marketing requirements > Sales presentations
    • 3.6 Producer responsibilities in individual health insurance > Field underwriting
    • 3.6 Producer responsibilities in individual health insurance > Field underwriting > Nature and purpose
    • 3.6 Producer responsibilities in individual health insurance > Field underwriting > Application procedures
    • 3.6 Producer responsibilities in individual health insurance > Field underwriting > Requirements at delivery of policy
    • 3.6 Producer responsibilities in individual health insurance > Errors and Omissions
    • 3.6 Producer responsibilities in individual health insurance > Notification of Medicare eligibility
    • 3.7 Individual underwriting by the insurer
    • 3.7 Individual underwriting by the insurer > Underwriting Criteria
    • 3.7 Individual underwriting by the insurer > Sources of underwriting information
    • 3.7 Individual underwriting by the insurer > Sources of underwriting information > Application
    • 3.7 Individual underwriting by the insurer > Sources of underwriting information > Producer report
    • 3.7 Individual underwriting by the insurer > Sources of underwriting information > Attending physician statement
    • 3.7 Individual underwriting by the insurer > Sources of underwriting information > Investigative consumer (inspection) report
    • 3.7 Individual underwriting by the insurer > Sources of underwriting information > Medical Information Bureau (MIB)
    • 3.7 Individual underwriting by the insurer > Sources of underwriting information > Medical examinations and lab tests (including HIV consent)
    • 3.7 Individual underwriting by the insurer > Unfair discrimination
    • 3.7 Individual underwriting by the insurer > Discrimination against victims of domestic violence
    • 3.7 Individual underwriting by the insurer > Genetic information privacy
    • 3.7 Individual underwriting by the insurer > Classification of risks
    • 3.7 Individual underwriting by the insurer > Classification of risks > Preferred
    • 3.7 Individual underwriting by the insurer > Classification of risks > Standard
    • 3.7 Individual underwriting by the insurer > Classification of risks > Substandard
    • 3.7 Individual underwriting by the insurer > Classification of risks > Declined
    • 3.8 Considerations in replacing health insurance
    • 3.8 Considerations in replacing health insurance > Pre-existing conditions
    • 3.8 Considerations in replacing health insurance > Pre-existing condition exclusion
    • 3.8 Considerations in replacing health insurance > Benefits, limitations and exclusions
    • 3.8 Considerations in replacing health insurance > Underwriting requirements
  • 4.0 Individual Health Insurance Policy General Provisions 8% (6 items)
    • 4.1 Uniform required provisions
    • 4.1 Uniform required provisions > Entire contract; changes
    • 4.1 Uniform required provisions > Time limit on certain defenses
    • 4.1 Uniform required provisions > Grace period
    • 4.1 Uniform required provisions > Reinstatement
    • 4.1 Uniform required provisions > Notice of claim
    • 4.1 Uniform required provisions > Claim forms
    • 4.1 Uniform required provisions > Proofs of loss
    • 4.1 Uniform required provisions > Time of payment of claims
    • 4.1 Uniform required provisions > Payment of claims
    • 4.1 Uniform required provisions > Physical examinations and autopsy
    • 4.1 Uniform required provisions > Legal actions
    • 4.1 Uniform required provisions > Change of beneficiary
    • 4.1 Uniform required provisions > Cancellation by insured
    • 4.2 Uniform optional provisions
    • 4.2 Uniform optional provisions > Change of occupation
    • 4.2 Uniform optional provisions > Misstatement of age
    • 4.2 Uniform optional provisions > Other insurance in this company
    • 4.2 Uniform optional provisions > Insurance with other companies
    • 4.2 Uniform optional provisions > Insurance with other companies > Expense-incurred basis
    • 4.2 Uniform optional provisions > Insurance with other companies > Other benefits
    • 4.2 Uniform optional provisions > Relation of Earnings to Insurance
    • 4.2 Uniform optional provisions > Unpaid premium
    • 4.2 Uniform optional provisions > Cancellation by company
    • 4.2 Uniform optional provisions > Conformity with state statutes
    • 4.2 Uniform optional provisions > Illegal occupation
    • 4.2 Uniform optional provisions > Intoxicants and narcotics
    • 4.3 Other general provisions
    • 4.3 Other general provisions > Right to examine (free look)
    • 4.3 Other general provisions > Insuring clause
    • 4.3 Other general provisions > Consideration clause
    • 4.3 Other general provisions > Renewability clause
    • 4.3 Other general provisions > Renewability clause > Noncancelable
    • 4.3 Other general provisions > Renewability clause > Guaranteed renewable
    • 4.3 Other general provisions > Renewability clause > Conditionally renewable
    • 4.3 Other general provisions > Renewability clause > Renewable at option of insurer
    • 4.3 Other general provisions > Renewability clause > Nonrenewable (cancelable, term)
    • 4.3 Other general provisions > Interest on claim proceeds
    • 4.3 Other general provisions > Military suspension provision
  • 5.0 Disability Income and Related Insurance 9% (7 items)
    • 5.1 Qualifying for disability benefits
    • 5.1 Qualifying for disability benefits > Inability to perform duties
    • 5.1 Qualifying for disability benefits > Inability to perform duties > Own occupation
    • 5.1 Qualifying for disability benefits > Inability to perform duties > Any occupation
    • 5.1 Qualifying for disability benefits > Pure loss of income (income replacement contracts)
    • 5.1 Qualifying for disability benefits > Presumptive disability
    • 5.1 Qualifying for disability benefits > Requirement to be under physician care
    • 5.2 Individual disability income insurance
    • 5.2 Individual disability income insurance > Basic total disability plan
    • 5.2 Individual disability income insurance > Basic total disability plan > Income benefits (monthly indemnity)
    • 5.2 Individual disability income insurance > Basic total disability plan > Elimination and benefit periods
    • 5.2 Individual disability income insurance > Basic total disability plan > Waiver of premium benefit
    • 5.2 Individual disability income insurance > Partial Disability Insurance
    • 5.2 Individual disability income insurance > Partial Disability Insurance > Income Benefits (Monthly Indemnities)
    • 5.2 Individual disability income insurance > Partial Disability Insurance > Elimination and Benefit Periods
    • 5.2 Individual disability income insurance > Partial Disability Insurance > Waiver of Premium Benefit
    • 5.2 Individual disability income insurance > Coordination with Social Insurance
    • 5.2 Individual disability income insurance > Coordination with Social Insurance > Additional monthly benefit (AMB)
    • 5.2 Individual disability income insurance > Coordination with Social Insurance > Social insurance supplement (SIS)
    • 5.2 Individual disability income insurance > Coordination with Social Insurance > Occupational versus nonoccupational coverage
    • 5.2 Individual disability income insurance > At-work benefits
    • 5.2 Individual disability income insurance > At-work benefits > Partial disability benefit
    • 5.2 Individual disability income insurance > At-work benefits > Residual disability benefit
    • 5.2 Individual disability income insurance > Other provisions affecting income benefits
    • 5.2 Individual disability income insurance > Other provisions affecting income benefits > Cost of living adjustment (COLA) rider
    • 5.2 Individual disability income insurance > Other provisions affecting income benefits > Future increase option (FIO) rider
    • 5.2 Individual disability income insurance > Other provisions affecting income benefits > Annual renewable term rider
    • 5.2 Individual disability income insurance > Other provisions affecting income benefits > Relation of earnings to insurance
    • 5.2 Individual disability income insurance > Other provisions affecting income benefits > Change of occupation
    • 5.2 Individual disability income insurance > Other cash benefits
    • 5.2 Individual disability income insurance > Other cash benefits > Accidental death and dismemberment
    • 5.2 Individual disability income insurance > Other cash benefits > Rehabilitation benefit
    • 5.2 Individual disability income insurance > Other cash benefits > Medical reimbursement benefit (nondisabling injury)
    • 5.2 Individual disability income insurance > Refund provisions
    • 5.2 Individual disability income insurance > Refund provisions > Return of premium
    • 5.2 Individual disability income insurance > Refund provisions > Cash value benefit
    • 5.2 Individual disability income insurance > Exclusions
    • 5.2 Individual disability income insurance > Waiver of Premium
    • 5.3 Unique aspects of individual disability underwriting
    • 5.3 Unique aspects of individual disability underwriting > Occupational considerations
    • 5.3 Unique aspects of individual disability underwriting > Benefit limits
    • 5.3 Unique aspects of individual disability underwriting > Policy issuance alternatives
    • 5.4 Group disability income insurance
    • 5.4 Group disability income insurance > Group versus individual plans
    • 5.4 Group disability income insurance > Short-term disability (STD)
    • 5.4 Group disability income insurance > Long-term disability (LTD)
    • 5.5 Business disability insurance
    • 5.5 Business disability insurance > Key employee (partner) disability income
    • 5.5 Business disability insurance > Business overhead expense policy
    • 5.5 Business disability insurance > Business Disability buyout policy
    • 5.6 Social Security disability
    • 5.6 Social Security disability > Qualification for disability benefits
    • 5.6 Social Security disability > Definition of disability
    • 5.6 Social Security disability > Waiting period
    • 5.6 Social Security disability > Disability income benefits
    • 5.7 Workers compensation
    • 5.7 Workers compensation > Eligibility
    • 5.7 Workers compensation > Benefits
  • 6.0 Medical Plans 14% (11 items)
    • 6.1 Medical plan concepts
    • 6.1 Medical plan concepts > Fee-for-service basis versus prepaid basis
    • 6.1 Medical plan concepts > Prepaid Basis
    • 6.1 Medical plan concepts > Specified coverages versus comprehensive care
    • 6.1 Medical plan concepts > Comprehensive Care
    • 6.1 Medical plan concepts > Benefit schedule versus usual/reasonable/customary charges
    • 6.1 Medical plan concepts > Usual - Reasonable - Customary Charges
    • 6.1 Medical plan concepts > Any provider versus limited choice of providers
    • 6.1 Medical plan concepts > Limited Choice of Providers
    • 6.1 Medical plan concepts > Insureds versus subscribers/participants
    • 6.2 Types of providers and plans
    • 6.2 Types of providers and plans > Insurers
    • 6.2 Types of providers and plans > Nonprofits Health Service Plans
    • 6.2 Types of providers and plans > Major medical insurance (insurers)
    • 6.2 Types of providers and plans > Major medical insurance (insurers) > Characteristics
    • 6.2 Types of providers and plans > Major medical insurance (insurers) > Common limitations
    • 6.2 Types of providers and plans > Major medical insurance (insurers) > Common exclusions from coverage
    • 6.2 Types of providers and plans > Major medical insurance (insurers) > Deductibles
    • 6.2 Types of providers and plans > Major medical insurance (insurers) > Coinsurance feature
    • 6.2 Types of providers and plans > Major medical insurance (insurers) > Stop-loss feature
    • 6.2 Types of providers and plans > Major medical insurance (insurers) > Maximum benefits
    • 6.2 Types of providers and plans > Fixed Indemnity
    • 6.2 Types of providers and plans > Health services plans
    • 6.2 Types of providers and plans > Health services plans > Definitions
    • 6.2 Types of providers and plans > Health services plans > Plans offered
    • 6.2 Types of providers and plans > Health services plans > Other services
    • 6.2 Types of providers and plans > Health services plans > Qualified providers
    • 6.2 Types of providers and plans > Health services plans > Choice of provider or pharmacy
    • 6.2 Types of providers and plans > Health services plans > Provider panels
    • 6.2 Types of providers and plans > Health services plans > Disclosure of benefits
    • 6.2 Types of providers and plans > Health services plans > Subscribers
    • 6.2 Types of providers and plans > Health maintenance organizations (HMOs)
    • 6.2 Types of providers and plans > Health maintenance organizations (HMOs) > Combined health care delivery and financing
    • 6.2 Types of providers and plans > Health maintenance organizations (HMOs) > Limited service area/out of area benefits
    • 6.2 Types of providers and plans > Health maintenance organizations (HMOs) > Limited choice of providers
    • 6.2 Types of providers and plans > Health maintenance organizations (HMOs) > Gatekeeper concept
    • 6.2 Types of providers and plans > Health maintenance organizations (HMOs) > Copayments
    • 6.2 Types of providers and plans > Health maintenance organizations (HMOs) > Prepaid basis
    • 6.2 Types of providers and plans > Health maintenance organizations (HMOs) > Preventive care services
    • 6.2 Types of providers and plans > Health maintenance organizations (HMOs) > Primary care physician versus referral (specialty) physician
    • 6.2 Types of providers and plans > Health maintenance organizations (HMOs) > Emergency care
    • 6.2 Types of providers and plans > Health maintenance organizations (HMOs) > Hospital services
    • 6.2 Types of providers and plans > Health maintenance organizations (HMOs) > Other basic services
    • 6.2 Types of providers and plans > Health maintenance organizations (HMOs) > Subscribers
    • 6.2 Types of providers and plans > Preferred provider organizations (PPOs)
    • 6.2 Types of providers and plans > Preferred provider organizations (PPOs) > General characteristics
    • 6.2 Types of providers and plans > Preferred provider organizations (PPOs) > Open panel or closed panel
    • 6.2 Types of providers and plans > Point-of-service (POS) plans
    • 6.2 Types of providers and plans > Point-of-service (POS) plans > Nature and purpose
    • 6.2 Types of providers and plans > Point-of-service (POS) plans > Out-of-network provider access (open-ended HMO)
    • 6.2 Types of providers and plans > Point-of-service (POS) plans > PCP referral
    • 6.2 Types of providers and plans > Point-of-service (POS) plans > Indemnity plan features
    • 6.2 Types of providers and plans > TRI-CARE
    • 6.3 Cost containment in health care delivery
    • 6.3 Cost containment in health care delivery > Cost-saving services
    • 6.3 Cost containment in health care delivery > Cost-saving services > Preventive care
    • 6.3 Cost containment in health care delivery > Cost-saving services > Outpatient ambulatory services
    • 6.3 Cost containment in health care delivery > Cost-saving services > Alternatives to hospital services
    • 6.3 Cost containment in health care delivery > Utilization management
    • 6.3 Cost containment in health care delivery > Utilization management > Prospective review
    • 6.3 Cost containment in health care delivery > Utilization management > Concurrent review
    • 6.3 Cost containment in health care delivery > Coordination of Benefits
    • 6.4 HIPAA (Health Insurance Portability and Accountability Act) requirements
    • 6.4 HIPAA (Health Insurance Portability and Accountability Act) requirements > Eligibility
    • 6.4 HIPAA (Health Insurance Portability and Accountability Act) requirements > Guaranteed issue
    • 6.4 HIPAA (Health Insurance Portability and Accountability Act) requirements > Pre-existing conditions
    • 6.4 HIPAA (Health Insurance Portability and Accountability Act) requirements > Creditable coverage
    • 6.4 HIPAA (Health Insurance Portability and Accountability Act) requirements > Renewability
    • 6.5 Health Savings Accounts (HSAs) and Health Reimbursement Accounts (HRAs)
    • 6.5 Health Savings Accounts (HSAs) and Health Reimbursement Accounts (HRAs) > Definition
    • 6.5 Health Savings Accounts (HSAs) and Health Reimbursement Accounts (HRAs) > Eligibility
    • 6.5 Health Savings Accounts (HSAs) and Health Reimbursement Accounts (HRAs) > Contribution limits
    • 6.6 Patient Protection and Affordable Care Act
    • 6.6 Patient Protection and Affordable Care Act > Coverage of Children to Age 26
    • 6.6 Patient Protection and Affordable Care Act > Preventative Care
    • 6.6 Patient Protection and Affordable Care Act > Pre-existing Conditions
    • 6.6 Patient Protection and Affordable Care Act > Lifetime and Annual Limits
    • 6.6 Patient Protection and Affordable Care Act > Grandfathered vs. Non-Grandfathered Plans
    • 6.6 Patient Protection and Affordable Care Act > Rescissions
    • 6.6 Patient Protection and Affordable Care Act > Essential Health Benefits
    • 6.6 Patient Protection and Affordable Care Act > Metal Levels
    • 6.6 Patient Protection and Affordable Care Act > SHOP Payment and Billing
    • 6.6 Patient Protection and Affordable Care Act > Internal Appeal and External Review
    • 6.6 Patient Protection and Affordable Care Act > Subsidies/Tax Credits
    • 6.6 Patient Protection and Affordable Care Act > Penalties and Fines
  • 7.0 Group Health Insurance 5% (4 items)
    • 7.1 Characteristics of group insurance
    • 7.1 Characteristics of group insurance > Group contract
    • 7.1 Characteristics of group insurance > Certificate of coverage
    • 7.1 Characteristics of group insurance > Experience rating versus community rating
    • 7.1 Characteristics of group insurance > Community Rating
    • 7.2 Defined groups
    • 7.2 Defined groups > Employer
    • 7.2 Defined groups > Creditor
    • 7.2 Defined groups > Labor union
    • 7.2 Defined groups > Multiple Employer Trust
    • 7.2 Defined groups > Association
    • 7.2 Defined groups > Credit union
    • 7.3 Marketing considerations
    • 7.3 Marketing considerations > Advertising
    • 7.3 Marketing considerations > Regulatory jurisdiction/place of delivery
    • 7.4 Employer group health insurance
    • 7.4 Employer group health insurance > Insurer underwriting criteria
    • 7.4 Employer group health insurance > Insurer underwriting criteria > Characteristics of the group
    • 7.4 Employer group health insurance > Insurer underwriting criteria > Plan design factors
    • 7.4 Employer group health insurance > Insurer underwriting criteria > Persistency factors
    • 7.4 Employer group health insurance > Insurer underwriting criteria > Administrative capability
    • 7.4 Employer group health insurance > Eligibility for insurance
    • 7.4 Employer group health insurance > Eligibility for insurance > Annual open enrollment
    • 7.4 Employer group health insurance > Eligibility for insurance > Employee eligibility
    • 7.4 Employer group health insurance > Eligibility for insurance > Dependent eligibility
    • 7.4 Employer group health insurance > Coordination of benefits provision
    • 7.4 Employer group health insurance > Change of insurance companies or loss of coverage
    • 7.4 Employer group health insurance > Change of insurance companies or loss of coverage > Coinsurance and deductible carryover
    • 7.4 Employer group health insurance > Change of insurance companies or loss of coverage > No-loss no-gain
    • 7.4 Employer group health insurance > Change of insurance companies or loss of coverage > Events that terminate coverage
    • 7.4 Employer group health insurance > Change of insurance companies or loss of coverage > Reinstatement of Coverage for Military Personnel
    • 7.4 Employer group health insurance > Change of insurance companies or loss of coverage > Notification of Medicare Eligibility
    • 7.4 Employer group health insurance > Change of insurance companies or loss of coverage > Reinstatement of coverage for military personnel
    • 7.4 Employer group health insurance > Change of insurance companies or loss of coverage > Notification of Medicare eligibility
    • 7.4 Employer group health insurance > Change of insurance companies or loss of coverage > Extension of benefits
    • 7.4 Employer group health insurance > Change of insurance companies or loss of coverage > Continuation of coverage under COBRA and Maryland specific rules
    • 7.4 Employer group health insurance > Change of insurance companies or loss of coverage > Conversion privilege
    • 7.4 Employer group health insurance > Continuation of Coverage
    • 7.4 Employer group health insurance > Special Enrollment Periods
    • 7.4 Employer group health insurance > Minimizing Adverse Selection
    • 7.5 Small employer medical plans
    • 7.5 Small employer medical plans > Definition of small employer
    • 7.5 Small employer medical plans > Availability of coverage
    • 7.5 Small employer medical plans > Disclosure of coverage provisions
    • 7.5 Small employer medical plans > Enrollment eligibility
    • 7.5 Small employer medical plans > Renewability
  • 8.0 Dental Insurance 1% (1 item)
    • 8.1 Types of dental treatment
    • 8.1 Types of dental treatment > Diagnostic and preventive
    • 8.1 Types of dental treatment > Restorative
    • 8.1 Types of dental treatment > Oral surgery
    • 8.1 Types of dental treatment > Endodontics
    • 8.1 Types of dental treatment > Periodontics
    • 8.1 Types of dental treatment > Prosthodontics
    • 8.1 Types of dental treatment > Orthodontics
    • 8.2 Indemnity plans
    • 8.2 Indemnity plans > Choice of providers
    • 8.2 Indemnity plans > Scheduled versus nonscheduled plans
    • 8.2 Indemnity plans > Benefit categories
    • 8.2 Indemnity plans > Benefit categories > Diagnostic/preventive services
    • 8.2 Indemnity plans > Benefit categories > Basic services
    • 8.2 Indemnity plans > Benefit categories > Major services
    • 8.2 Indemnity plans > Deductibles and coinsurance
    • 8.2 Indemnity plans > Combination plans
    • 8.2 Indemnity plans > Exclusions
    • 8.2 Indemnity plans > Limitations
    • 8.2 Indemnity plans > Predetermination of benefits
    • 8.3 Employer group dental expense
    • 8.3 Employer group dental expense > Integrated deductibles versus stand-alone plans
    • 8.3 Employer group dental expense > Minimizing adverse selection
  • 9.0 Insurance for Senior Citizens and Special Needs Individuals 9% (7 items)
    • 9.1 Medicare
    • 9.1 Medicare > Nature, financing and administration
    • 9.1 Medicare > Part A — Hospital Insurance
    • 9.1 Medicare > Part A — Hospital Insurance > Individual eligibility requirements
    • 9.1 Medicare > Part A — Hospital Insurance > Enrollment
    • 9.1 Medicare > Part A — Hospital Insurance > Coverages and cost-sharing amounts
    • 9.1 Medicare > Part B — Medical Insurance
    • 9.1 Medicare > Part B — Medical Insurance > Individual eligibility requirements
    • 9.1 Medicare > Part B — Medical Insurance > Enrollment
    • 9.1 Medicare > Part B — Medical Insurance > Coverages and cost-sharing amounts
    • 9.1 Medicare > Part B — Medical Insurance > Exclusions
    • 9.1 Medicare > Part B — Medical Insurance > Claims terminology and other key terms
    • 9.1 Medicare > Part C — Medicare Advantage
    • 9.1 Medicare > Part D — Prescription Drug Insurance
    • 9.2 Medicare supplement insurance
    • 9.2 Medicare supplement insurance > Purpose
    • 9.2 Medicare supplement insurance > Open enrollment
    • 9.2 Medicare supplement insurance > Rating of Medicare supplement plans
    • 9.2 Medicare supplement insurance > Rating of Medicare supplement plans > Attained age
    • 9.2 Medicare supplement insurance > Rating of Medicare supplement plans > Issue age
    • 9.2 Medicare supplement insurance > Rating of Medicare supplement plans > Community rated
    • 9.2 Medicare supplement insurance > Standardized Medicare supplement plans
    • 9.2 Medicare supplement insurance > Standardized Medicare supplement plans > Core benefits
    • 9.2 Medicare supplement insurance > Standardized Medicare supplement plans > Additional benefits
    • 9.2 Medicare supplement insurance > Standardized Medicare supplement plans > High deductible plans
    • 9.3 Other options for individuals with Medicare
    • 9.3 Other options for individuals with Medicare > Employer group health plans
    • 9.3 Other options for individuals with Medicare > Employer group health plans > Disabled employees
    • 9.3 Other options for individuals with Medicare > Employer group health plans > Employees with kidney failure
    • 9.3 Other options for individuals with Medicare > Employer group health plans > Individuals age 65 and older
    • 9.3 Other options for individuals with Medicare > Medicaid
    • 9.3 Other options for individuals with Medicare > Medicaid > Eligibility
    • 9.3 Other options for individuals with Medicare > Medicaid > Benefits
    • 9.4 Long-term care (LTC) policies
    • 9.4 Long-term care (LTC) policies > LTC, Medicare and Medicaid compared
    • 9.4 Long-term care (LTC) policies > Eligibility for benefits
    • 9.4 Long-term care (LTC) policies > Levels of care
    • 9.4 Long-term care (LTC) policies > Levels of care > Skilled care
    • 9.4 Long-term care (LTC) policies > Levels of care > Intermediate care
    • 9.4 Long-term care (LTC) policies > Levels of care > Custodial care
    • 9.4 Long-term care (LTC) policies > Levels of care > Home health care
    • 9.4 Long-term care (LTC) policies > Levels of care > Adult day care
    • 9.4 Long-term care (LTC) policies > Levels of care > Respite care
    • 9.4 Long-term care (LTC) policies > Benefit periods
    • 9.4 Long-term care (LTC) policies > Benefit amounts
    • 9.4 Long-term care (LTC) policies > Optional benefits
    • 9.4 Long-term care (LTC) policies > Optional benefits > Inflation Protection
    • 9.4 Long-term care (LTC) policies > Optional benefits > Nonforfeiture
    • 9.4 Long-term care (LTC) policies > Optional benefits > Guarantee of insurability
    • 9.4 Long-term care (LTC) policies > Optional benefits > Return of premium
    • 9.4 Long-term care (LTC) policies > Qualified and Nonqualified
    • 9.4 Long-term care (LTC) policies > Exclusions
    • 9.4 Long-term care (LTC) policies > Underwriting Considerations
    • 9.4 Long-term care (LTC) policies > Partnership
    • 9.4 Long-term care (LTC) policies > Qualified LTC plans
    • 9.4 Long-term care (LTC) policies > Deductibility of premiums for LTC insurance for state income tax purposes
    • 9.4 Long-term care (LTC) policies > Exclusions
    • 9.4 Long-term care (LTC) policies > Underwriting considerations
    • 9.5 Interaction with Other Coverage
    • 9.5 Interaction with Other Coverage > Medicare
    • 9.5 Interaction with Other Coverage > Medicaid
    • 9.5 Interaction with Other Coverage > Medical Insurance
  • 10.0 Federal Tax Considerations for Health Insurance 5% (4 items)
    • 10.1 Personally-owned health insurance
    • 10.1 Personally-owned health insurance > Disability income insurance
    • 10.1 Personally-owned health insurance > Medical expense insurance
    • 10.1 Personally-owned health insurance > Long-term care insurance
    • 10.2 Employer group health insurance
    • 10.2 Employer group health insurance > Disability income (STD, LTD)
    • 10.2 Employer group health insurance > Medical and dental expense
    • 10.2 Employer group health insurance > Long-term care insurance
    • 10.2 Employer group health insurance > Accidental death and dismemberment
    • 10.3 Medical expense coverage for sole proprietors and partners
    • 10.4 Business disability insurance
    • 10.4 Business disability insurance > Key person disability income
    • 10.4 Business disability insurance > Business overhead expense
    • 10.4 Business disability insurance > Business Disability Buyout
    • 10.5 Health Savings Accounts (HSAs), Health Reimbursement Accounts (HRAs), and Flexible Spending Accounts (FSAs)
    • 10.5 Health Savings Accounts (HSAs), Health Reimbursement Accounts (HRAs), and Flexible Spending Accounts (FSAs) > Health Savings Accounts
    • 10.5 Health Savings Accounts (HSAs), Health Reimbursement Accounts (HRAs), and Flexible Spending Accounts (FSAs) > Health Reimbursement Accounts
    • 10.5 Health Savings Accounts (HSAs), Health Reimbursement Accounts (HRAs), and Flexible Spending Accounts (FSAs) > Flexible Spending Accounts
    • 10.5 Health Savings Accounts (HSAs), Health Reimbursement Accounts (HRAs), and Flexible Spending Accounts (FSAs) > High Deductible Health Plans
Examination sources

Life and Accident and Health or Sickness Producer - Combo

Provider
Prometric
Format
Computer-administered four-option multiple-choice examination, offered in English and Spanish
Exam questions
130 scored questions plus 10 unscored questions
Time limit
2.5 hours
Exam fee
$62
Examination outline
  • 1.0 Insurance Regulation (30%)
    • 1.1 Licensing
    • 1.1 Licensing > General Provisions and Definitions
    • 1.1 Licensing > Purpose
    • 1.1 Licensing > Process (Insurance Article Annotated Code- Sec. 10-118(b)(2); Sec. 10.109; Sec. 10-103(c)(1))
    • 1.1 Licensing > Process (Insurance Article Annotated Code- Sec. 10-118(b)(2); Sec. 10.109; Sec. 10-103(c)(1)) > Initial Licensure Qualifications
    • 1.1 Licensing > Process (Insurance Article Annotated Code- Sec. 10-118(b)(2); Sec. 10.109; Sec. 10-103(c)(1)) > Examination
    • 1.1 Licensing > Process (Insurance Article Annotated Code- Sec. 10-118(b)(2); Sec. 10.109; Sec. 10-103(c)(1)) > License fee & application
    • 1.1 Licensing > Types of licensees (Insurance Article Annotated Code- Sec. 1-101(u)(1))
    • 1.1 Licensing > Types of licensees (Insurance Article Annotated Code- Sec. 1-101(u)(1)) > Producers
    • 1.1 Licensing > Types of licensees (Insurance Article Annotated Code- Sec. 1-101(u)(1)) > Advisers
    • 1.1 Licensing > Types of licensees (Insurance Article Annotated Code- Sec. 1-101(u)(1)) > Nonresidents
    • 1.1 Licensing > Types of licensees (Insurance Article Annotated Code- Sec. 1-101(u)(1)) > Business entities
    • 1.1 Licensing > Types of licensees (Insurance Article Annotated Code- Sec. 1-101(u)(1)) > Exceptions
    • 1.1 Licensing > Maintenance (Insurance Article Annotated Code- Sec. 10- 211(e)(2)(i); Sec. 10-115; Sec. 10-1-05; Sect. 10- 116(a)(2)(i);))
    • 1.1 Licensing > Maintenance (Insurance Article Annotated Code- Sec. 10- 211(e)(2)(i); Sec. 10-115; Sec. 10-1-05; Sect. 10- 116(a)(2)(i);)) > Duration and termination
    • 1.1 Licensing > Maintenance (Insurance Article Annotated Code- Sec. 10- 211(e)(2)(i); Sec. 10-115; Sec. 10-1-05; Sect. 10- 116(a)(2)(i);)) > Address and/or name changes
    • 1.1 Licensing > Maintenance (Insurance Article Annotated Code- Sec. 10- 211(e)(2)(i); Sec. 10-115; Sec. 10-1-05; Sect. 10- 116(a)(2)(i);)) > Assumed names
    • 1.1 Licensing > Maintenance (Insurance Article Annotated Code- Sec. 10- 211(e)(2)(i); Sec. 10-115; Sec. 10-1-05; Sect. 10- 116(a)(2)(i);)) > Requirement to report felony convictions
    • 1.1 Licensing > Maintenance (Insurance Article Annotated Code- Sec. 10- 211(e)(2)(i); Sec. 10-115; Sec. 10-1-05; Sect. 10- 116(a)(2)(i);)) > Requirement to report other states actions
    • 1.1 Licensing > Maintenance (Insurance Article Annotated Code- Sec. 10- 211(e)(2)(i); Sec. 10-115; Sec. 10-1-05; Sect. 10- 116(a)(2)(i);)) > Continuing education
    • 1.1 Licensing > Appointment procedures (Insurance Article Annotated Code- Sec. 1-101; Sec. 10- 118; Sec. 27-209)
    • 1.1 Licensing > Appointment procedures (Insurance Article Annotated Code- Sec. 1-101; Sec. 10- 118; Sec. 27-209) > Producer's contract with insurer versus producer's appointment with insurer
    • 1.1 Licensing > Appointment procedures (Insurance Article Annotated Code- Sec. 1-101; Sec. 10- 118; Sec. 27-209) > Poducer's appointment versus agency's appointment
    • 1.1 Licensing > Appointment procedures (Insurance Article Annotated Code- Sec. 1-101; Sec. 10- 118; Sec. 27-209) > Solicitation prior to appointment
    • 1.1 Licensing > Appointment procedures (Insurance Article Annotated Code- Sec. 1-101; Sec. 10- 118; Sec. 27-209) > Appointment requirement after becoming licensed
    • 1.1 Licensing > Appointment procedures (Insurance Article Annotated Code- Sec. 1-101; Sec. 10- 118; Sec. 27-209) > Acknowledgment of appointment/notice to producer
    • 1.1 Licensing > Appointment procedures (Insurance Article Annotated Code- Sec. 1-101; Sec. 10- 118; Sec. 27-209) > Requirement to cease solicitation
    • 1.1 Licensing > Appointment procedures (Insurance Article Annotated Code- Sec. 1-101; Sec. 10- 118; Sec. 27-209) > Termination of appointment/notice to producer
    • 1.1 Licensing > Appointment procedures (Insurance Article Annotated Code- Sec. 1-101; Sec. 10- 118; Sec. 27-209) > Termination of license without active appointment
    • 1.1 Licensing > Disciplinary actions (Insurance Article Annotated Code- Sec. 1-301; Sec. 10- 126(e); Sec. 27-202)
    • 1.1 Licensing > Disciplinary actions (Insurance Article Annotated Code- Sec. 1-301; Sec. 10- 126(e); Sec. 27-202) > Probation, suspension, revocation or refusal to issue or renew
    • 1.1 Licensing > Disciplinary actions (Insurance Article Annotated Code- Sec. 1-301; Sec. 10- 126(e); Sec. 27-202) > Cease and desist order
    • 1.1 Licensing > Disciplinary actions (Insurance Article Annotated Code- Sec. 1-301; Sec. 10- 126(e); Sec. 27-202) > Penalties
    • 1.1 Licensing > Disciplinary actions (Insurance Article Annotated Code- Sec. 1-301; Sec. 10- 126(e); Sec. 27-202) > Hearings/Notice of Hearings
    • 1.1 Licensing > Fraud (Insurance Article Annotated Code- Sec. 27- 216(a)(1)(i); Sec. 2-401)
    • 1.2 State regulation
    • 1.2 State regulation > Maryland Insurance Administration's general duties and powers (Insurance Article Annotated Code- Sec. 2-102(a); Sec. 2-103(a)(4); Sec. 2-204(b)(1); 16-601; Sec. 1-301; Sec. 2- 101; Sec. 10-126)
    • 1.2 State regulation > Insurer Regulation (Insurance Article Annotated Code- Sec. 15-204(B); Sec. 15-208(A)(1); Sec. 15-211(A); Sec. 18-105(1); Sec. 18- 106(b)(1); Sec. 27-501(a)(1))
    • 1.2 State regulation > Insurer Regulation (Insurance Article Annotated Code- Sec. 15-204(B); Sec. 15-208(A)(1); Sec. 15-211(A); Sec. 18-105(1); Sec. 18- 106(b)(1); Sec. 27-501(a)(1)) > Forms
    • 1.2 State regulation > Insurer Regulation (Insurance Article Annotated Code- Sec. 15-204(B); Sec. 15-208(A)(1); Sec. 15-211(A); Sec. 18-105(1); Sec. 18- 106(b)(1); Sec. 27-501(a)(1)) > Unfair Claims Settlement Practices
    • 1.2 State regulation > Insurer Regulation (Insurance Article Annotated Code- Sec. 15-204(B); Sec. 15-208(A)(1); Sec. 15-211(A); Sec. 18-105(1); Sec. 18- 106(b)(1); Sec. 27-501(a)(1)) > Certificate of Authority
    • 1.2 State regulation > Producer regulation (Insurance Article Annotated Code- Sec. 27-209; Sec. 10-105; COMAR- Sec. 31.03.03)
    • 1.2 State regulation > Producer regulation (Insurance Article Annotated Code- Sec. 27-209; Sec. 10-105; COMAR- Sec. 31.03.03) > Acting for an unlicensed insurer
    • 1.2 State regulation > Producer regulation (Insurance Article Annotated Code- Sec. 27-209; Sec. 10-105; COMAR- Sec. 31.03.03) > Record retention
    • 1.2 State regulation > Producer regulation (Insurance Article Annotated Code- Sec. 27-209; Sec. 10-105; COMAR- Sec. 31.03.03) > Activities of unlicensed individuals
    • 1.2 State regulation > Producer regulation (Insurance Article Annotated Code- Sec. 27-209; Sec. 10-105; COMAR- Sec. 31.03.03) > Payment and sharing of commissions
    • 1.2 State regulation > Producer regulation (Insurance Article Annotated Code- Sec. 27-209; Sec. 10-105; COMAR- Sec. 31.03.03) > Charging of fees
    • 1.2 State regulation > Producer regulation (Insurance Article Annotated Code- Sec. 27-209; Sec. 10-105; COMAR- Sec. 31.03.03) > Illegal compensation; exceptions
    • 1.2 State regulation > Producer regulation (Insurance Article Annotated Code- Sec. 27-209; Sec. 10-105; COMAR- Sec. 31.03.03) > Fiduciary capacity
    • 1.2 State regulation > Producer regulation (Insurance Article Annotated Code- Sec. 27-209; Sec. 10-105; COMAR- Sec. 31.03.03) > Responsibility of trust accounts
    • 1.2 State regulation > Unfair trade practices (Insurance Article Annotated Code- Sec. 27-304; Sec. 27-213; Sec. 27-305(a); Sec. 27-504(b)(1); COMAR- Sec. 31.15.02.12; Sec.31.15.02.18(A); Sec. 31.15.02.02; Sec.31.15.02.03(B))
    • 1.2 State regulation > Unfair trade practices (Insurance Article Annotated Code- Sec. 27-304; Sec. 27-213; Sec. 27-305(a); Sec. 27-504(b)(1); COMAR- Sec. 31.15.02.12; Sec.31.15.02.18(A); Sec. 31.15.02.02; Sec.31.15.02.03(B)) > Misrepresentation
    • 1.2 State regulation > Unfair trade practices (Insurance Article Annotated Code- Sec. 27-304; Sec. 27-213; Sec. 27-305(a); Sec. 27-504(b)(1); COMAR- Sec. 31.15.02.12; Sec.31.15.02.18(A); Sec. 31.15.02.02; Sec.31.15.02.03(B)) > False advertising
    • 1.2 State regulation > Unfair trade practices (Insurance Article Annotated Code- Sec. 27-304; Sec. 27-213; Sec. 27-305(a); Sec. 27-504(b)(1); COMAR- Sec. 31.15.02.12; Sec.31.15.02.18(A); Sec. 31.15.02.02; Sec.31.15.02.03(B)) > Defamation
    • 1.2 State regulation > Unfair trade practices (Insurance Article Annotated Code- Sec. 27-304; Sec. 27-213; Sec. 27-305(a); Sec. 27-504(b)(1); COMAR- Sec. 31.15.02.12; Sec.31.15.02.18(A); Sec. 31.15.02.02; Sec.31.15.02.03(B)) > Notice of Adverse Underwriting Decisions
    • 1.2 State regulation > Unfair trade practices (Insurance Article Annotated Code- Sec. 27-304; Sec. 27-213; Sec. 27-305(a); Sec. 27-504(b)(1); COMAR- Sec. 31.15.02.12; Sec.31.15.02.18(A); Sec. 31.15.02.02; Sec.31.15.02.03(B)) > False statements and entries
    • 1.2 State regulation > Unfair trade practices (Insurance Article Annotated Code- Sec. 27-304; Sec. 27-213; Sec. 27-305(a); Sec. 27-504(b)(1); COMAR- Sec. 31.15.02.12; Sec.31.15.02.18(A); Sec. 31.15.02.02; Sec.31.15.02.03(B)) > Rebating
    • 1.2 State regulation > Unfair trade practices (Insurance Article Annotated Code- Sec. 27-304; Sec. 27-213; Sec. 27-305(a); Sec. 27-504(b)(1); COMAR- Sec. 31.15.02.12; Sec.31.15.02.18(A); Sec. 31.15.02.02; Sec.31.15.02.03(B)) > Twisting
    • 1.2 State regulation > Unfair trade practices (Insurance Article Annotated Code- Sec. 27-304; Sec. 27-213; Sec. 27-305(a); Sec. 27-504(b)(1); COMAR- Sec. 31.15.02.12; Sec.31.15.02.18(A); Sec. 31.15.02.02; Sec.31.15.02.03(B)) > Referrals
    • 1.2 State regulation > Insurance information and privacy protection
    • 1.3 State Insurance Requirements (Specific to Life Insurance)
    • 1.3 State Insurance Requirements (Specific to Life Insurance) > Policy Replacement (COMAR- Sec. 31.09.05.10)
    • 1.3 State Insurance Requirements (Specific to Life Insurance) > Policy Replacement (COMAR- Sec. 31.09.05.10) > Definitions
    • 1.3 State Insurance Requirements (Specific to Life Insurance) > Policy Replacement (COMAR- Sec. 31.09.05.10) > Provisions and Disclosure
    • 1.3 State Insurance Requirements (Specific to Life Insurance) > Group Life (Insurance Article Annotated Code- Sec. 17-201(a); Sec. 17-202(b); Sec. 17-209(a)(2)(i)(ii))
    • 1.3 State Insurance Requirements (Specific to Life Insurance) > Group Life (Insurance Article Annotated Code- Sec. 17-201(a); Sec. 17-202(b); Sec. 17-209(a)(2)(i)(ii)) > Eligibility
    • 1.3 State Insurance Requirements (Specific to Life Insurance) > Group Life (Insurance Article Annotated Code- Sec. 17-201(a); Sec. 17-202(b); Sec. 17-209(a)(2)(i)(ii)) > Dependent Coverage
    • 1.3 State Insurance Requirements (Specific to Life Insurance) > Group Life (Insurance Article Annotated Code- Sec. 17-201(a); Sec. 17-202(b); Sec. 17-209(a)(2)(i)(ii)) > Standard Provisions
    • 1.3 State Insurance Requirements (Specific to Life Insurance) > Group Life (Insurance Article Annotated Code- Sec. 17-201(a); Sec. 17-202(b); Sec. 17-209(a)(2)(i)(ii)) > Conversion
    • 1.3 State Insurance Requirements (Specific to Life Insurance) > Group Life (Insurance Article Annotated Code- Sec. 17-201(a); Sec. 17-202(b); Sec. 17-209(a)(2)(i)(ii)) > Assignment of Proceeds
    • 1.3 State Insurance Requirements (Specific to Life Insurance) > Life and Health Insurance Guaranty Corporation (Insurance Article Annotated Code- Sec. 9-405(a)(2); Sec. 9-409(b); Sec. 9-402)
    • 1.4 Providers (Specific to Accident and Health Insurance)
    • 1.4 Providers (Specific to Accident and Health Insurance) > Types of Providers
    • 1.4 Providers (Specific to Accident and Health Insurance) > Types of Providers > Insurers (Annotated Code- Sec. 1-101)
    • 1.4 Providers (Specific to Accident and Health Insurance) > Types of Providers > Non Profits Health Service Plans (Insurance Article Annotated Code- Sec. 14-101 and 14- 102)
    • 1.4 Providers (Specific to Accident and Health Insurance) > Types of Providers > Health Maintenance Organizations (HMOs) (COMAR Sec. 31.12.07.02(B)(3); Health General Article Annotated Code-Title 19 Subtitle 7- Sec. 19-701; Sec. 19-705)
    • 1.5 Plan requirements (Specific to Accident and Health Insurance)
    • 1.5 Plan requirements (Specific to Accident and Health Insurance) > Eligibility requirements
    • 1.5 Plan requirements (Specific to Accident and Health Insurance) > Eligibility requirements > Dependent child age limit
    • 1.5 Plan requirements (Specific to Accident and Health Insurance) > Eligibility requirements > Coverage for adopted children
    • 1.5 Plan requirements (Specific to Accident and Health Insurance) > Eligibility requirements > Newborn child coverage
    • 1.5 Plan requirements (Specific to Accident and Health Insurance) > Eligibility requirements > Medical child support coverage
    • 1.5 Plan requirements (Specific to Accident and Health Insurance) > Eligibility requirements > Intellectual disability and physical handicap dependent coverage
    • 1.5 Plan requirements (Specific to Accident and Health Insurance) > Mandated or Required Offers (Insurance Article Annotated Code- Sec. 15-407, 15- 408, 15-409; Sec. 15-801, 15-802, 15-810, 15-839)
    • 1.5 Plan requirements (Specific to Accident and Health Insurance) > Mandated or Required Benefits (COMAR Sec. 31.10.06.08(B)(12); Insurance Article
    • 1.5 Plan requirements (Specific to Accident and Health Insurance) > Annotated Code- Sec. 15-804(3); Sec. 15- 802, 15-838, 15- 841)
    • 1.5 Plan requirements (Specific to Accident and Health Insurance) > Other Requirements
    • 1.5 Plan requirements (Specific to Accident and Health Insurance) > Small Employer Health Insurance (Insurance Article Annotated Code- Sec. 15-1204 (special note)(b); Sec. 15-1205; Sec. 15-1208(C); Sec. 15- 1201(e))
    • 1.5 Plan requirements (Specific to Accident and Health Insurance) > Medicare Supplement Insurance (Insurance Article Annotated Code- Sec. 15-901; Sec. 15-906; Sec. 15-909; Sec. 15-910)
    • 1.5 Plan requirements (Specific to Accident and Health Insurance) > Medicare Supplement Insurance (Insurance Article Annotated Code- Sec. 15-901; Sec. 15-906; Sec. 15-909; Sec. 15-910) > Purpose and Definitions
    • 1.5 Plan requirements (Specific to Accident and Health Insurance) > Medicare Supplement Insurance (Insurance Article Annotated Code- Sec. 15-901; Sec. 15-906; Sec. 15-909; Sec. 15-910) > Minimum Standards and Provisions
    • 1.5 Plan requirements (Specific to Accident and Health Insurance) > Medicare Supplement Insurance (Insurance Article Annotated Code- Sec. 15-901; Sec. 15-906; Sec. 15-909; Sec. 15-910) > Eligibility
    • 1.5 Plan requirements (Specific to Accident and Health Insurance) > Medicare Supplement Insurance (Insurance Article Annotated Code- Sec. 15-901; Sec. 15-906; Sec. 15-909; Sec. 15-910) > Disclosure and Marketing
    • 1.5 Plan requirements (Specific to Accident and Health Insurance) > Maryland Health Benefit Exchange
    • 1.5 Plan requirements (Specific to Accident and Health Insurance) > Maryland Health Benefit Exchange > SHOP vs. Individual Exchange
    • 1.5 Plan requirements (Specific to Accident and Health Insurance) > Maryland Health Benefit Exchange > Open Enrollment/Special Enrollment
    • 1.5 Plan requirements (Specific to Accident and Health Insurance) > Maryland Health Benefit Exchange > Employer Choice Options in SHOP Exchange
    • 1.5 Plan requirements (Specific to Accident and Health Insurance) > Maryland Health Benefit Exchange > Mandated Referrals
    • 1.6 Insurance for Senior Citizens and Special Needs Individuals
    • 1.6 Insurance for Senior Citizens and Special Needs Individuals > Maryland Long-Term Care (LTC) regulations and required provisions (Tax General Article 10-710 - Sec. 10-718; Insurance Article Annotated Code- Sec. 18-101; Sec. 18- 104; Sec. 18-105)
    • 1.6 Insurance for Senior Citizens and Special Needs Individuals > Maryland Long-Term Care (LTC) regulations and required provisions (Tax General Article 10-710 - Sec. 10-718; Insurance Article Annotated Code- Sec. 18-101; Sec. 18- 104; Sec. 18-105) > Standards for marketing
    • 1.6 Insurance for Senior Citizens and Special Needs Individuals > Maryland Long-Term Care (LTC) regulations and required provisions (Tax General Article 10-710 - Sec. 10-718; Insurance Article Annotated Code- Sec. 18-101; Sec. 18- 104; Sec. 18-105) > Advertising
    • 1.6 Insurance for Senior Citizens and Special Needs Individuals > Maryland Long-Term Care (LTC) regulations and required provisions (Tax General Article 10-710 - Sec. 10-718; Insurance Article Annotated Code- Sec. 18-101; Sec. 18- 104; Sec. 18-105) > Consumer guide
    • 1.6 Insurance for Senior Citizens and Special Needs Individuals > Maryland Long-Term Care (LTC) regulations and required provisions (Tax General Article 10-710 - Sec. 10-718; Insurance Article Annotated Code- Sec. 18-101; Sec. 18- 104; Sec. 18-105) > Outline of coverage
    • 1.6 Insurance for Senior Citizens and Special Needs Individuals > Maryland Long-Term Care (LTC) regulations and required provisions (Tax General Article 10-710 - Sec. 10-718; Insurance Article Annotated Code- Sec. 18-101; Sec. 18- 104; Sec. 18-105) > Suitability including personal worksheet
    • 1.6 Insurance for Senior Citizens and Special Needs Individuals > Maryland Long-Term Care (LTC) regulations and required provisions (Tax General Article 10-710 - Sec. 10-718; Insurance Article Annotated Code- Sec. 18-101; Sec. 18- 104; Sec. 18-105) > Right to return (free look)
    • 1.6 Insurance for Senior Citizens and Special Needs Individuals > Maryland Long-Term Care (LTC) regulations and required provisions (Tax General Article 10-710 - Sec. 10-718; Insurance Article Annotated Code- Sec. 18-101; Sec. 18- 104; Sec. 18-105) > Replacement
    • 1.6 Insurance for Senior Citizens and Special Needs Individuals > Maryland Long-Term Care (LTC) regulations and required provisions (Tax General Article 10-710 - Sec. 10-718; Insurance Article Annotated Code- Sec. 18-101; Sec. 18- 104; Sec. 18-105) > Renewal considerations
    • 1.6 Insurance for Senior Citizens and Special Needs Individuals > Maryland Long-Term Care (LTC) regulations and required provisions (Tax General Article 10-710 - Sec. 10-718; Insurance Article Annotated Code- Sec. 18-101; Sec. 18- 104; Sec. 18-105) > Continuation of benefits
    • 1.6 Insurance for Senior Citizens and Special Needs Individuals > Maryland Long-Term Care (LTC) regulations and required provisions (Tax General Article 10-710 - Sec. 10-718; Insurance Article Annotated Code- Sec. 18-101; Sec. 18- 104; Sec. 18-105) > Required disclosure provisions
    • 1.6 Insurance for Senior Citizens and Special Needs Individuals > Maryland Long-Term Care (LTC) regulations and required provisions (Tax General Article 10-710 - Sec. 10-718; Insurance Article Annotated Code- Sec. 18-101; Sec. 18- 104; Sec. 18-105) > Incontestability
    • 1.6 Insurance for Senior Citizens and Special Needs Individuals > Maryland Long-Term Care (LTC) regulations and required provisions (Tax General Article 10-710 - Sec. 10-718; Insurance Article Annotated Code- Sec. 18-101; Sec. 18- 104; Sec. 18-105) > Inflation protection
    • 1.6 Insurance for Senior Citizens and Special Needs Individuals > Maryland Long-Term Care (LTC) regulations and required provisions (Tax General Article 10-710 - Sec. 10-718; Insurance Article Annotated Code- Sec. 18-101; Sec. 18- 104; Sec. 18-105) > Unintentional lapse
    • 1.6 Insurance for Senior Citizens and Special Needs Individuals > Maryland Long-Term Care (LTC) regulations and required provisions (Tax General Article 10-710 - Sec. 10-718; Insurance Article Annotated Code- Sec. 18-101; Sec. 18- 104; Sec. 18-105) > Pre-existing conditions
    • 1.6 Insurance for Senior Citizens and Special Needs Individuals > Maryland Long-Term Care (LTC) regulations and required provisions (Tax General Article 10-710 - Sec. 10-718; Insurance Article Annotated Code- Sec. 18-101; Sec. 18- 104; Sec. 18-105) > Nonforfeiture benefit
    • 1.6 Insurance for Senior Citizens and Special Needs Individuals > Maryland Long-Term Care (LTC) regulations and required provisions (Tax General Article 10-710 - Sec. 10-718; Insurance Article Annotated Code- Sec. 18-101; Sec. 18- 104; Sec. 18-105) > Benefit triggers
    • 1.6 Insurance for Senior Citizens and Special Needs Individuals > Long-Term Care (LTC) Insurance
    • 1.6 Insurance for Senior Citizens and Special Needs Individuals > Long-Term Care (LTC) Insurance > Deductibility of Premiums for LTC Insurance for State Income Tax Purposes
    • 1.6 Insurance for Senior Citizens and Special Needs Individuals > Maryland Medicare Supplement regulations and required provisions
    • 1.6 Insurance for Senior Citizens and Special Needs Individuals > Maryland Medicare Supplement regulations and required provisions > Standards for marketing
    • 1.6 Insurance for Senior Citizens and Special Needs Individuals > Maryland Medicare Supplement regulations and required provisions > Advertising
    • 1.6 Insurance for Senior Citizens and Special Needs Individuals > Maryland Medicare Supplement regulations and required provisions > Appropriateness of recommended purchase and excessive insurance
    • 1.6 Insurance for Senior Citizens and Special Needs Individuals > Maryland Medicare Supplement regulations and required provisions > Buyer's guide
    • 1.6 Insurance for Senior Citizens and Special Needs Individuals > Maryland Medicare Supplement regulations and required provisions > Outline of coverage
    • 1.6 Insurance for Senior Citizens and Special Needs Individuals > Maryland Medicare Supplement regulations and required provisions > Right to return (free look)
    • 1.6 Insurance for Senior Citizens and Special Needs Individuals > Maryland Medicare Supplement regulations and required provisions > Replacement
    • 1.6 Insurance for Senior Citizens and Special Needs Individuals > Maryland Medicare Supplement regulations and required provisions > Prohibited policy provisions
    • 1.6 Insurance for Senior Citizens and Special Needs Individuals > Maryland Medicare Supplement regulations and required provisions > Minimum benefit standards
    • 1.6 Insurance for Senior Citizens and Special Needs Individuals > Maryland Medicare Supplement regulations and required provisions > Required disclosure provisions
    • 1.6 Insurance for Senior Citizens and Special Needs Individuals > Maryland Medicare Supplement regulations and required provisions > Pre-existing conditions
    • 1.6 Insurance for Senior Citizens and Special Needs Individuals > Maryland Medicare Supplement regulations and required provisions > Permitted compensation
    • 1.6 Insurance for Senior Citizens and Special Needs Individuals > Maryland Medicare Supplement regulations and required provisions > Guaranteed issue for eligible persons
    • 1.6 Insurance for Senior Citizens and Special Needs Individuals > Maryland Medicare Supplement regulations and required provisions > Continuation and conversion requirements
    • 1.6 Insurance for Senior Citizens and Special Needs Individuals > Maryland Medicare Supplement regulations and required provisions > Medicare SELECT
  • 2.0 General Insurance (5%)
    • 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 assessment insurers
    • 2.2 Insurers > Types of insurers > Fraternal benefit societies
    • 2.2 Insurers > Private versus government insurers
    • 2.2 Insurers > Admitted versus nonadmitted insurers
    • 2.2 Insurers > Purchasing Groups
    • 2.2 Insurers > Government Plans
    • 2.2 Insurers > Domestic, foreign and alien insurers
    • 2.2 Insurers > Financial status (independent rating services) and operating results
    • 2.2 Insurers > Marketing (distribution) systems
    • 2.2 Insurers > Life and Health Insurance Guaranty Corporation
    • 2.3 Producers and general rules of agency
    • 2.3 Producers and general rules of agency > Types
    • 2.3 Producers and general rules of agency > Types > Captive
    • 2.3 Producers and general rules of agency > Types > Independent
    • 2.3 Producers and general rules of agency > Insurer as principal
    • 2.3 Producers and general rules of agency > Producer of insurer
    • 2.3 Producers and general rules of agency > Authority and powers of producers
    • 2.3 Producers and general rules of agency > Authority and powers of producers > Express
    • 2.3 Producers and general rules of agency > Authority and powers of producers > Implied
    • 2.3 Producers and general rules of agency > Authority and powers of producers > 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
    • 2.5 Federal regulation
    • 2.5 Federal regulation > Fair Credit Reporting Act (15 USC 1681–1681d)
    • 2.5 Federal regulation > Fraud and false statements (18 USC 1033, 1034)
    • 2.5 Federal regulation > Variable Products
    • 2.5 Federal regulation > Employee Retirement Income Security Act (ERISA)
    • 2.5 Federal regulation > Employee Retirement Income Security Act (ERISA) > Applicability
    • 2.5 Federal regulation > Employee Retirement Income Security Act (ERISA) > Fiduciary responsibilities
    • 2.5 Federal regulation > Employee Retirement Income Security Act (ERISA) > Reporting and disclosure
    • 2.5 Federal regulation > COBRA
    • 2.5 Federal regulation > Continuation
    • 2.5 Federal regulation > ACA-Related Federal Market Reforms
    • 2.5 Federal regulation > ACA-Related Federal Market Reforms > Definitions
    • 2.5 Federal regulation > ACA-Related Federal Market Reforms > Definitions > Individual health insurance coverage
    • 2.5 Federal regulation > ACA-Related Federal Market Reforms > Dependent coverage
    • 2.5 Federal regulation > ACA-Related Federal Market Reforms > Lifetime and annual limits
    • 2.5 Federal regulation > ACA-Related Federal Market Reforms > Restrictions relating to premium rates
    • 2.5 Federal regulation > ACA-Related Federal Market Reforms > Essential health benefits
    • 2.5 Federal regulation > ACA-Related Federal Market Reforms > Waiting periods
    • 2.6 Industry Associations
    • 2.6 Industry Associations > National Association of Insurance Commissioners (NAIC)
    • 2.6 Industry Associations > NCOIL (National Conference of Insurance Legislators)
    • 2.6 Industry Associations > Industry and Producer
  • 3.0 Life Insurance Basics (9%)
    • 3.1 Insurable interest
    • 3.2 Personal uses of life insurance
    • 3.2 Personal uses of life insurance > Survivor protection
    • 3.2 Personal uses of life insurance > Estate creation
    • 3.2 Personal uses of life insurance > Cash accumulation
    • 3.2 Personal uses of life insurance > Liquidity
    • 3.2 Personal uses of life insurance > Estate conservation
    • 3.2 Personal uses of life insurance > Debt Protection on Personal Mortgages (only)
    • 3.3 Viatical/Life Settlements
    • 3.3 Viatical/Life Settlements > Nature and Purpose
    • 3.3 Viatical/Life Settlements > Viatical Settlement, Broker Authority, and Licensing
    • 3.3 Viatical/Life Settlements > Disclosure to Consumers
    • 3.3 Viatical/Life Settlements > General Rules
    • 3.3 Viatical/Life Settlements > Fraudulent Acts
    • 3.3 Viatical/Life Settlements > Definitions
    • 3.3 Viatical/Life Settlements > Definitions > Chronically ill
    • 3.3 Viatical/Life Settlements > Definitions > Fraudulent Viatical Settlement Act
    • 3.3 Viatical/Life Settlements > Definitions > Terminally ill
    • 3.3 Viatical/Life Settlements > Definitions > Viatical Settlement broker
    • 3.3 Viatical/Life Settlements > Definitions > Viatical Settlement provider
    • 3.3 Viatical/Life Settlements > Definitions > Viatical settlement purchaser
    • 3.3 Viatical/Life Settlements > Definitions > Viator
    • 3.4 Determining amount of personal life insurance
    • 3.4 Determining amount of personal life insurance > Human life value approach
    • 3.4 Determining amount of personal life insurance > Needs approach
    • 3.4 Determining amount of personal life insurance > Needs approach > Types of information gathered
    • 3.4 Determining amount of personal life insurance > Needs approach > Determining lump-sum needs
    • 3.4 Determining amount of personal life insurance > Needs approach > Planning for income needs
    • 3.4 Determining amount of personal life insurance > Social Security Benefits
    • 3.5 Business uses of life insurance
    • 3.5 Business uses of life insurance > Buy-sell funding
    • 3.5 Business uses of life insurance > Key person
    • 3.5 Business uses of life insurance > Executive bonuses
    • 3.6 Classes of life insurance policies
    • 3.6 Classes of life insurance policies > Group versus individual
    • 3.6 Classes of life insurance policies > Ordinary
    • 3.6 Classes of life insurance policies > Industrial (Home Service)
    • 3.6 Classes of life insurance policies > Permanent versus term
    • 3.6 Classes of life insurance policies > Participating versus nonparticipating
    • 3.6 Classes of life insurance policies > Fixed versus variable life insurance and annuities
    • 3.6 Classes of life insurance policies > Fixed versus variable life insurance and annuities > Regulation of variable products ( FINRA)
    • 3.6 Classes of life insurance policies > Fixed versus variable life insurance and annuities > Types of variable products
    • 3.6 Classes of life insurance policies > U.S. Government Plans
    • 3.7 Premiums
    • 3.7 Premiums > Factors in premium determination
    • 3.7 Premiums > Factors in premium determination > Mortality
    • 3.7 Premiums > Factors in premium determination > Interest
    • 3.7 Premiums > Factors in premium determination > Expense
    • 3.7 Premiums > Premium concepts
    • 3.7 Premiums > Premium concepts > Net single premium
    • 3.7 Premiums > Premium concepts > Gross annual premium
    • 3.7 Premiums > Premium payment mode
    • 3.8 Producer responsibilities
    • 3.8 Producer responsibilities > Rules Governing Advertisement of Life Insurance and Annuities
    • 3.8 Producer responsibilities > Solicitation and sales presentations
    • 3.8 Producer responsibilities > Solicitation and sales presentations > Maryland Life and Health Insurance Guaranty Corporation
    • 3.8 Producer responsibilities > Solicitation and sales presentations > Advertising
    • 3.8 Producer responsibilities > Solicitation and sales presentations > Illustrations
    • 3.8 Producer responsibilities > Solicitation and sales presentations > Policy summary
    • 3.8 Producer responsibilities > Solicitation and sales presentations > Buyer's guide
    • 3.8 Producer responsibilities > Life Insurance Policy Cost Comparison Methods
    • 3.8 Producer responsibilities > Replacement
    • 3.8 Producer responsibilities > Use and disclosure of insurance information
    • 3.8 Producer responsibilities > Field underwriting
    • 3.8 Producer responsibilities > Field underwriting > Notice of information practices
    • 3.8 Producer responsibilities > Field underwriting > Adverse underwriting decisions
    • 3.8 Producer responsibilities > Field underwriting > Application procedures
    • 3.8 Producer responsibilities > Field underwriting > Application procedures > Required signatures
    • 3.8 Producer responsibilities > Field underwriting > Application procedures > Changes in the application
    • 3.8 Producer responsibilities > Field underwriting > Application procedures > Consequences of incomplete applications
    • 3.8 Producer responsibilities > Field underwriting > Application procedures > Warranties and representations
    • 3.8 Producer responsibilities > Field underwriting > Application procedures > Collecting the initial premium and issuing the receipt
    • 3.8 Producer responsibilities > Field underwriting > Application procedures > Disclosures at point of sale (e.g., HIPAA, HIV consent)
    • 3.8 Producer responsibilities > Field underwriting > Application procedures > USA PATRIOT Act/anti-money laundering
    • 3.8 Producer responsibilities > Delivery
    • 3.8 Producer responsibilities > Delivery > Policy review
    • 3.8 Producer responsibilities > Delivery > Effective date of coverage
    • 3.8 Producer responsibilities > Delivery > Premium collection
    • 3.8 Producer responsibilities > Delivery > Statement of good health
    • 3.9 Individual underwriting by the insurer
    • 3.9 Individual underwriting by the insurer > Information sources and regulation
    • 3.9 Individual underwriting by the insurer > Information sources and regulation > Application
    • 3.9 Individual underwriting by the insurer > Information sources and regulation > Producer report
    • 3.9 Individual underwriting by the insurer > Information sources and regulation > Attending physician statement
    • 3.9 Individual underwriting by the insurer > Information sources and regulation > Investigative consumer (inspection) report
    • 3.9 Individual underwriting by the insurer > Information sources and regulation > Medical Information Bureau (MIB)
    • 3.9 Individual underwriting by the insurer > Information sources and regulation > Medical examinations and lab tests including HIV
    • 3.9 Individual underwriting by the insurer > Selection criteria and unfair discrimination
    • 3.9 Individual underwriting by the insurer > Discrimination against victims of domestic violence
    • 3.9 Individual underwriting by the insurer > Classification of risks
    • 3.9 Individual underwriting by the insurer > Classification of risks > Preferred
    • 3.9 Individual underwriting by the insurer > Classification of risks > Standard
    • 3.9 Individual underwriting by the insurer > Classification of risks > Substandard
    • 3.9 Individual underwriting by the insurer > Classification of risks > Declined
  • 4.0 Life Insurance Policies (5%)
    • 4.1 Term life insurance
    • 4.1 Term life insurance > Level term
    • 4.1 Term life insurance > Level term > Annual renewable term
    • 4.1 Term life insurance > Level term > Level premium term
    • 4.1 Term life insurance > Level term > Convertible Term
    • 4.1 Term life insurance > Decreasing term
    • 4.1 Term life insurance > Increasing term
    • 4.1 Term life insurance > Return of premium
    • 4.2 Whole life insurance
    • 4.2 Whole life insurance > Ordinary whole life
    • 4.2 Whole life insurance > Continuous premium (straight life)
    • 4.2 Whole life insurance > Limited payment
    • 4.2 Whole life insurance > Interest sensitive/current assumption
    • 4.2 Whole life insurance > Indexed life
    • 4.2 Whole life insurance > Equity indexed life
    • 4.2 Whole life insurance > Graded Premium
    • 4.2 Whole life insurance > Single premium
    • 4.2 Whole life insurance > Variable whole life
    • 4.2 Whole life insurance > Variable universal life
    • 4.3 Flexible premium policies
    • 4.3 Flexible premium policies > Adjustable life
    • 4.3 Flexible premium policies > Universal life
    • 4.4 Specialized policies
    • 4.4 Specialized policies > Family (Family Protection and Family Plan)
    • 4.4 Specialized policies > Joint life (first-to-die)
    • 4.4 Specialized policies > Survivorship life (second-to-die)
    • 4.4 Specialized policies > Juvenile/student life
    • 4.5 Group life insurance
    • 4.5 Group life insurance > Characteristics of group plans
    • 4.5 Group life insurance > Types of eligible groups
    • 4.5 Group life insurance > Types of eligible groups > Employer/employee
    • 4.5 Group life insurance > Types of eligible groups > Debtor groups
    • 4.5 Group life insurance > Types of eligible groups > Labor union groups
    • 4.5 Group life insurance > Types of eligible groups > Trust
    • 4.5 Group life insurance > Types of eligible groups > Associations
    • 4.5 Group life insurance > Group underwriting requirements
    • 4.5 Group life insurance > Benefit payments
    • 4.5 Group life insurance > Covered dependents
    • 4.5 Group life insurance > Lives covered
    • 4.5 Group life insurance > Conversion to individual policy
    • 4.5 Group life insurance > Contributory vs. noncontributory
    • 4.6 Credit life insurance (individual versus group)
  • 5.0 Life Insurance Policy Provisions, Options and Riders (8%)
    • 5.1 Standard provisions
    • 5.1 Standard provisions > Ownership
    • 5.1 Standard provisions > Assignment
    • 5.1 Standard provisions > Entire contract
    • 5.1 Standard provisions > Right to examine (free look)
    • 5.1 Standard provisions > Payment of premiums
    • 5.1 Standard provisions > Grace period
    • 5.1 Standard provisions > Reinstatement
    • 5.1 Standard provisions > Incontestability
    • 5.1 Standard provisions > Misstatement of age and misstatement of gender
    • 5.1 Standard provisions > Exclusions
    • 5.1 Standard provisions > Suicide
    • 5.1 Standard provisions > War clause
    • 5.1 Standard provisions > Interest on proceeds
    • 5.1 Standard provisions > Prohibited provisions including backdating
    • 5.2 Beneficiaries
    • 5.2 Beneficiaries > Designation options
    • 5.2 Beneficiaries > Designation options > Individuals
    • 5.2 Beneficiaries > Designation options > Classes
    • 5.2 Beneficiaries > Designation options > Estates
    • 5.2 Beneficiaries > Designation options > Minors
    • 5.2 Beneficiaries > Designation options > Trusts
    • 5.2 Beneficiaries > Succession
    • 5.2 Beneficiaries > Revocable versus irrevocable
    • 5.2 Beneficiaries > Annulment or divorce
    • 5.2 Beneficiaries > Common disaster clause
    • 5.2 Beneficiaries > Spendthrift clause
    • 5.2 Beneficiaries > Facility of Payment Clause
    • 5.3 Settlement options
    • 5.3 Settlement options > Cash payment
    • 5.3 Settlement options > Interest only
    • 5.3 Settlement options > Fixed-period installments
    • 5.3 Settlement options > Fixed-amount installments
    • 5.3 Settlement options > Life income
    • 5.3 Settlement options > Life income > Single life
    • 5.3 Settlement options > Life income > Joint and survivor
    • 5.4 Nonforfeiture options
    • 5.4 Nonforfeiture options > Cash surrender value
    • 5.4 Nonforfeiture options > Extended term
    • 5.4 Nonforfeiture options > Reduced paid-up insurance
    • 5.5 Policy loans
    • 5.5 Policy loans > Cash loans
    • 5.5 Policy loans > Automatic premium loans
    • 5.5 Policy loans > Withdrawals or partial surrenders
    • 5.5 Policy loans > Educational loans
    • 5.5 Policy loans > Automatic Option Required
    • 5.6 Dividend options
    • 5.6 Dividend options > Cash payment
    • 5.6 Dividend options > Reduction of premium payments
    • 5.6 Dividend options > Accumulation at interest
    • 5.6 Dividend options > One-year term option
    • 5.6 Dividend options > Paid-up additions
    • 5.6 Dividend options > Paid-up insurance
    • 5.7 Disability riders
    • 5.7 Disability riders > Waiver of premium
    • 5.7 Disability riders > Waiver of cost of insurance
    • 5.7 Disability riders > Disability income benefit
    • 5.7 Disability riders > Payor benefit life/disability (juvenile insurance)
    • 5.8 Accelerated benefit provision/rider
    • 5.8 Accelerated benefit provision/rider > Conditions for payment
    • 5.8 Accelerated benefit provision/rider > Conditions for payment > Diagnosis of terminal illness
    • 5.8 Accelerated benefit provision/rider > Conditions for payment > Diagnosis of catastrophic illness
    • 5.8 Accelerated benefit provision/rider > Conditions for payment > Permanent confinement
    • 5.8 Accelerated benefit provision/rider > Conditions for payment > Inability to perform ADLs
    • 5.8 Accelerated benefit provision/rider > Disclosure
    • 5.8 Accelerated benefit provision/rider > Disclosure > Written disclosure required
    • 5.8 Accelerated benefit provision/rider > Disclosure > Effect on death benefit
    • 5.8 Accelerated benefit provision/rider > Disclosure > Cash value
    • 5.8 Accelerated benefit provision/rider > Disclosure > Loans and loan interest
    • 5.8 Accelerated benefit provision/rider > Disclosure > Tax consequences
    • 5.8 Accelerated benefit provision/rider > Disclosure > Premium
    • 5.9 Riders covering additional insureds
    • 5.9 Riders covering additional insureds > Spouse/other-insured term rider
    • 5.9 Riders covering additional insureds > Children's term rider
    • 5.9 Riders covering additional insureds > Family term rider
    • 5.10 Riders affecting the death benefit amount
    • 5.10 Riders affecting the death benefit amount > Accidental death
    • 5.10 Riders affecting the death benefit amount > Guaranteed insurability
    • 5.10 Riders affecting the death benefit amount > Cost of living
    • 5.10 Riders affecting the death benefit amount > Return of premium
  • 6.0 Annuities (5%)
    • 6.1 Annuity principles and concepts
    • 6.1 Annuity principles and concepts > Accumulation period versus annuity period
    • 6.1 Annuity principles and concepts > Owner, annuitant and beneficiary
    • 6.1 Annuity principles and concepts > Insurance aspects of annuities
    • 6.1 Annuity principles and concepts > Suitability
    • 6.2 Immediate versus deferred annuities
    • 6.2 Immediate versus deferred annuities > Single premium immediate annuities (SPIAs)
    • 6.2 Immediate versus deferred annuities > Deferred annuities
    • 6.2 Immediate versus deferred annuities > Deferred annuities > Premium payment options
    • 6.2 Immediate versus deferred annuities > Deferred annuities > Nonforfeiture
    • 6.2 Immediate versus deferred annuities > Deferred annuities > Surrender charges
    • 6.2 Immediate versus deferred annuities > Deferred annuities > Bail-out provisions
    • 6.2 Immediate versus deferred annuities > Deferred annuities > Death benefits
    • 6.3 Annuity (benefit) payment options
    • 6.3 Annuity (benefit) payment options > Life contingency options
    • 6.3 Annuity (benefit) payment options > Life contingency options > Pure life versus life with guaranteed minimum
    • 6.3 Annuity (benefit) payment options > Life contingency options > Single life versus multiple life
    • 6.3 Annuity (benefit) payment options > Annuities certain (types)
    • 6.3 Annuity (benefit) payment options > Annuities certain (types) > Installments for a fixed period
    • 6.3 Annuity (benefit) payment options > Annuities certain (types) > Installments for a fixed amount
    • 6.4 Annuity products
    • 6.4 Annuity products > Fixed annuities
    • 6.4 Annuity products > Fixed annuities > General account assets
    • 6.4 Annuity products > Fixed annuities > Interest rate guarantees (minimum versus current)
    • 6.4 Annuity products > Fixed annuities > Level benefit payment amount
    • 6.4 Annuity products > Variable Annuities
    • 6.4 Annuity products > Variable Annuities > General Account Assets
    • 6.4 Annuity products > Variable Annuities > Guarantees
    • 6.4 Annuity products > Variable Annuities > Level Benefit Payment Amount
    • 6.4 Annuity products > Equity indexed annuities
    • 6.4 Annuity products > Market value adjusted annuities (modified guaranteed annuities)
    • 6.5 Uses of annuities
    • 6.5 Uses of annuities > Lump-sum settlements
    • 6.5 Uses of annuities > Qualified retirement plans including group versus individual
    • 6.5 Uses of annuities > Personal uses
    • 6.5 Uses of annuities > Personal uses > Individual retirement plans
    • 6.5 Uses of annuities > Personal uses > Tax-deferred growth
    • 6.5 Uses of annuities > Personal uses > Retirement income
    • 6.5 Uses of annuities > Personal uses > Education funds
    • 6.5 Uses of annuities > Personal uses > Charitable gift annuity
    • 6.5 Uses of annuities > Suitability in Annuity Transactions
  • 7.0 Federal Tax Considerations for Life Insurance and Annuities (4%)
    • 7.1 Taxation of personal life insurance
    • 7.1 Taxation of personal life insurance > Amounts available to policyowner
    • 7.1 Taxation of personal life insurance > Amounts available to policyowner > Cash value increases
    • 7.1 Taxation of personal life insurance > Amounts available to policyowner > Dividends
    • 7.1 Taxation of personal life insurance > Amounts available to policyowner > Policy loans
    • 7.1 Taxation of personal life insurance > Amounts available to policyowner > Surrenders
    • 7.1 Taxation of personal life insurance > Amounts received by beneficiary
    • 7.1 Taxation of personal life insurance > Amounts received by beneficiary > General rule and exceptions
    • 7.1 Taxation of personal life insurance > Amounts received by beneficiary > Settlement options
    • 7.1 Taxation of personal life insurance > Values included in insured's estate
    • 7.2 Modified endowment contracts (MECs)
    • 7.2 Modified endowment contracts (MECs) > Modified endowment versus life insurance
    • 7.2 Modified endowment contracts (MECs) > Seven-pay test
    • 7.2 Modified endowment contracts (MECs) > Distributions
    • 7.3 Taxation of non-qualified annuities
    • 7.3 Taxation of non-qualified annuities > Individually-owned
    • 7.3 Taxation of non-qualified annuities > Individually-owned > Accumulation phase (tax issues related to withdrawals)
    • 7.3 Taxation of non-qualified annuities > Individually-owned > Annuity phase and the exclusion ratio
    • 7.3 Taxation of non-qualified annuities > Individually-owned > Distributions at death
    • 7.3 Taxation of non-qualified annuities > Corporate-owned
    • 7.4 Taxation of individual retirement accounts (IRAs)
    • 7.4 Taxation of individual retirement accounts (IRAs) > Traditional IRAs
    • 7.4 Taxation of individual retirement accounts (IRAs) > Traditional IRAs > Contributions and deductible amounts
    • 7.4 Taxation of individual retirement accounts (IRAs) > Traditional IRAs > Premature distributions (including taxation issues)
    • 7.4 Taxation of individual retirement accounts (IRAs) > Traditional IRAs > Annuity phase benefit payments
    • 7.4 Taxation of individual retirement accounts (IRAs) > Traditional IRAs > Values included in the annuitant's estate
    • 7.4 Taxation of individual retirement accounts (IRAs) > Traditional IRAs > Amounts received by beneficiary
    • 7.4 Taxation of individual retirement accounts (IRAs) > Roth IRAs
    • 7.4 Taxation of individual retirement accounts (IRAs) > Roth IRAs > Contributions and limits
    • 7.4 Taxation of individual retirement accounts (IRAs) > Roth IRAs > Distributions
    • 7.5 Rollovers and transfers (IRAs and qualified plans)
    • 7.6 Section 1035 exchanges
  • 8.0 Qualified Plans (2%)
    • 8.1 General requirements
    • 8.2 Federal tax considerations
    • 8.2 Federal tax considerations > Tax advantages for employers and employees
    • 8.2 Federal tax considerations > Taxation of distributions (age-related)
    • 8.3 Plan types, characteristics and purchasers
    • 8.3 Plan types, characteristics and purchasers > Simplified employee pensions (SEPs)
    • 8.3 Plan types, characteristics and purchasers > Self-employed plans (HR 10 or Keogh plans)
    • 8.3 Plan types, characteristics and purchasers > Profit-sharing and 401(k) plans
    • 8.3 Plan types, characteristics and purchasers > SIMPLE plans
    • 8.3 Plan types, characteristics and purchasers > 403(b) tax-sheltered annuities (TSAs)
  • 9.0 Health Insurance Basics (7%)
    • 9.1 Definitions of perils
    • 9.1 Definitions of perils > Accidental injury
    • 9.1 Definitions of perils > Sickness
    • 9.2 Principal types of losses and benefits
    • 9.2 Principal types of losses and benefits > Loss of income from disability
    • 9.2 Principal types of losses and benefits > Medical expense
    • 9.2 Principal types of losses and benefits > Dental expense
    • 9.2 Principal types of losses and benefits > Long-term care expense
    • 9.2 Principal types of losses and benefits > Vision
    • 9.2 Principal types of losses and benefits > Prescription
    • 9.2 Principal types of losses and benefits > AD&D (Accidental Death and Dismemberment)
    • 9.2 Principal types of losses and benefits > Specified Disease
    • 9.3 Classes of health insurance policies
    • 9.3 Classes of health insurance policies > Individual versus group
    • 9.3 Classes of health insurance policies > Private versus government
    • 9.3 Classes of health insurance policies > Limited versus comprehensive
    • 9.4 Limited policies
    • 9.4 Limited policies > Limited perils and amounts
    • 9.4 Limited policies > Required notice to insured
    • 9.4 Limited policies > Types of limited policies
    • 9.4 Limited policies > Types of limited policies > Accident-only
    • 9.4 Limited policies > Types of limited policies > Specified (dread) disease
    • 9.4 Limited policies > Types of limited policies > Hospital indemnity (income)
    • 9.4 Limited policies > Types of limited policies > Credit disability
    • 9.4 Limited policies > Types of limited policies > Blanket insurance (teams, passengers, other)
    • 9.4 Limited policies > Types of limited policies > Prescription drugs
    • 9.4 Limited policies > Types of limited policies > Vision care
    • 9.4 Limited policies > Types of limited policies > Critical illness (specified conditions)
    • 9.4 Limited policies > Types of limited policies > Short-term medical
    • 9.5 Common exclusions from coverage
    • 9.5 Common exclusions from coverage > Pre-existing conditions
    • 9.5 Common exclusions from coverage > Intentionally self-inflicted injuries
    • 9.5 Common exclusions from coverage > War or act of war
    • 9.5 Common exclusions from coverage > Elective cosmetic surgery
    • 9.5 Common exclusions from coverage > Conditions covered by workers compensation
    • 9.5 Common exclusions from coverage > Government plans
    • 9.5 Common exclusions from coverage > Participation in a felony or illegal occupation
    • 9.6 Producer responsibilities in individual health insurance
    • 9.6 Producer responsibilities in individual health insurance > Marketing requirements
    • 9.6 Producer responsibilities in individual health insurance > Marketing requirements > Advertising
    • 9.6 Producer responsibilities in individual health insurance > Marketing requirements > Prohibited Advertising of Life and Health Insurance
    • 9.6 Producer responsibilities in individual health insurance > Marketing requirements > Maryland Life and Health Insurance Guaranty Corporation
    • 9.6 Producer responsibilities in individual health insurance > Marketing requirements > Sales presentations
    • 9.6 Producer responsibilities in individual health insurance > Field underwriting
    • 9.6 Producer responsibilities in individual health insurance > Field underwriting > Nature and purpose
    • 9.6 Producer responsibilities in individual health insurance > Field underwriting > Application procedures
    • 9.6 Producer responsibilities in individual health insurance > Field underwriting > Requirements at delivery of policy
    • 9.6 Producer responsibilities in individual health insurance > Errors and Omissions
    • 9.6 Producer responsibilities in individual health insurance > Notification of Medicare eligibility
    • 9.7 Individual underwriting by the insurer
    • 9.7 Individual underwriting by the insurer > Underwriting Criteria
    • 9.7 Individual underwriting by the insurer > Sources of underwriting information
    • 9.7 Individual underwriting by the insurer > Sources of underwriting information > Application
    • 9.7 Individual underwriting by the insurer > Sources of underwriting information > Producer report
    • 9.7 Individual underwriting by the insurer > Sources of underwriting information > Attending physician statement
    • 9.7 Individual underwriting by the insurer > Sources of underwriting information > Investigative consumer (inspection) report
    • 9.7 Individual underwriting by the insurer > Sources of underwriting information > Medical Information Bureau (MIB)
    • 9.7 Individual underwriting by the insurer > Sources of underwriting information > Medical examinations and lab tests (including HIV consent)
    • 9.7 Individual underwriting by the insurer > Unfair discrimination
    • 9.7 Individual underwriting by the insurer > Discrimination against victims of domestic violence
    • 9.7 Individual underwriting by the insurer > Genetic information privacy
    • 9.7 Individual underwriting by the insurer > Classification of risks
    • 9.7 Individual underwriting by the insurer > Classification of risks > Preferred
    • 9.7 Individual underwriting by the insurer > Classification of risks > Standard
    • 9.7 Individual underwriting by the insurer > Classification of risks > Substandard
    • 9.7 Individual underwriting by the insurer > Classification of risks > Declined
    • 9.8 Considerations in replacing health insurance
    • 9.8 Considerations in replacing health insurance > Pre-existing conditions
    • 9.8 Considerations in replacing health insurance > Pre-existing condition exclusion
    • 9.8 Considerations in replacing health insurance > Benefits, limitations and exclusions
    • 9.8 Considerations in replacing health insurance > Underwriting requirements
  • 10.0 Individual Health Insurance Policy General Provisions (2%)
    • 10.1 Uniform required provisions
    • 10.1 Uniform required provisions > Entire contract; changes
    • 10.1 Uniform required provisions > Time limit on certain defenses
    • 10.1 Uniform required provisions > Grace period
    • 10.1 Uniform required provisions > Reinstatement
    • 10.1 Uniform required provisions > Notice of claim
    • 10.1 Uniform required provisions > Claim forms
    • 10.1 Uniform required provisions > Proofs of loss
    • 10.1 Uniform required provisions > Time of payment of claims
    • 10.1 Uniform required provisions > Payment of claims
    • 10.1 Uniform required provisions > Physical examinations and autopsy
    • 10.1 Uniform required provisions > Legal actions
    • 10.1 Uniform required provisions > Change of beneficiary
    • 10.1 Uniform required provisions > Cancellation by insured
    • 10.2 Uniform optional provisions
    • 10.2 Uniform optional provisions > Change of occupation
    • 10.2 Uniform optional provisions > Misstatement of age
    • 10.2 Uniform optional provisions > Other insurance in this company
    • 10.2 Uniform optional provisions > Insurance with other companies
    • 10.2 Uniform optional provisions > Insurance with other companies > Expense-incurred basis
    • 10.2 Uniform optional provisions > Insurance with other companies > Other benefits
    • 10.2 Uniform optional provisions > Relation of Earnings to Insurance
    • 10.2 Uniform optional provisions > Unpaid premium
    • 10.2 Uniform optional provisions > Cancellation by company
    • 10.2 Uniform optional provisions > Conformity with state statutes
    • 10.2 Uniform optional provisions > Illegal occupation
    • 10.2 Uniform optional provisions > Intoxicants and narcotics
    • 10.3 Other general provisions
    • 10.3 Other general provisions > Right to examine (free look)
    • 10.3 Other general provisions > Insuring clause
    • 10.3 Other general provisions > Consideration clause
    • 10.3 Other general provisions > Renewability clause
    • 10.3 Other general provisions > Renewability clause > Noncancelable
    • 10.3 Other general provisions > Renewability clause > Guaranteed renewable
    • 10.3 Other general provisions > Renewability clause > Conditionally renewable
    • 10.3 Other general provisions > Renewability clause > Renewable at option of insurer
    • 10.3 Other general provisions > Renewability clause > Nonrenewable (cancelable, term)
    • 10.3 Other general provisions > Interest on claim proceeds
    • 10.3 Other general provisions > Military suspension provision
  • 11.0 Disability Income and Related Insurance (5%)
    • 11.1 Qualifying for disability benefits
    • 11.1 Qualifying for disability benefits > Inability to perform duties
    • 11.1 Qualifying for disability benefits > Inability to perform duties > Own occupation
    • 11.1 Qualifying for disability benefits > Inability to perform duties > Any occupation
    • 11.1 Qualifying for disability benefits > Pure loss of income (income replacement contracts)
    • 11.1 Qualifying for disability benefits > Presumptive disability
    • 11.1 Qualifying for disability benefits > Requirement to be under physician care
    • 11.2 Individual disability income insurance
    • 11.2 Individual disability income insurance > Basic total disability plan
    • 11.2 Individual disability income insurance > Basic total disability plan > Income benefits (monthly indemnity)
    • 11.2 Individual disability income insurance > Basic total disability plan > Elimination and benefit periods
    • 11.2 Individual disability income insurance > Basic total disability plan > Waiver of premium benefit
    • 11.2 Individual disability income insurance > Partial Disability Insurance
    • 11.2 Individual disability income insurance > Partial Disability Insurance > Income Benefits (Monthly Indemnities)
    • 11.2 Individual disability income insurance > Partial Disability Insurance > Elimination and Benefit Periods
    • 11.2 Individual disability income insurance > Partial Disability Insurance > Waiver of Premium Benefit
    • 11.2 Individual disability income insurance > Coordination with Social Insurance
    • 11.2 Individual disability income insurance > Coordination with Social Insurance > Additional monthly benefit (AMB)
    • 11.2 Individual disability income insurance > Coordination with Social Insurance > Social insurance supplement (SIS)
    • 11.2 Individual disability income insurance > Coordination with Social Insurance > Occupational versus nonoccupational coverage
    • 11.2 Individual disability income insurance > At-work benefits
    • 11.2 Individual disability income insurance > At-work benefits > Partial disability benefit
    • 11.2 Individual disability income insurance > At-work benefits > Residual disability benefit
    • 11.2 Individual disability income insurance > Other provisions affecting income benefits
    • 11.2 Individual disability income insurance > Other provisions affecting income benefits > Cost of living adjustment (COLA) rider
    • 11.2 Individual disability income insurance > Other provisions affecting income benefits > Future increase option (FIO) rider
    • 11.2 Individual disability income insurance > Other provisions affecting income benefits > Annual renewable term rider
    • 11.2 Individual disability income insurance > Other provisions affecting income benefits > Relation of earnings to insurance
    • 11.2 Individual disability income insurance > Other provisions affecting income benefits > Change of occupation
    • 11.2 Individual disability income insurance > Other cash benefits
    • 11.2 Individual disability income insurance > Other cash benefits > Accidental death and dismemberment
    • 11.2 Individual disability income insurance > Other cash benefits > Rehabilitation benefit
    • 11.2 Individual disability income insurance > Other cash benefits > Medical reimbursement benefit (nondisabling injury)
    • 11.2 Individual disability income insurance > Refund provisions
    • 11.2 Individual disability income insurance > Refund provisions > Return of premium
    • 11.2 Individual disability income insurance > Refund provisions > Cash value benefit
    • 11.2 Individual disability income insurance > Exclusions
    • 11.2 Individual disability income insurance > Waiver of Premium
    • 11.3 Unique aspects of individual disability underwriting
    • 11.3 Unique aspects of individual disability underwriting > Occupational considerations
    • 11.3 Unique aspects of individual disability underwriting > Benefit limits
    • 11.3 Unique aspects of individual disability underwriting > Policy issuance alternatives
    • 11.4 Group disability income insurance
    • 11.4 Group disability income insurance > Group versus individual plans
    • 11.4 Group disability income insurance > Short-term disability (STD)
    • 11.4 Group disability income insurance > Long-term disability (LTD)
    • 11.5 Business disability insurance
    • 11.5 Business disability insurance > Key employee (partner) disability income
    • 11.5 Business disability insurance > Business overhead expense policy
    • 11.5 Business disability insurance > Business Disability buyout policy
    • 11.6 Social Security disability
    • 11.6 Social Security disability > Qualification for disability benefits
    • 11.6 Social Security disability > Definition of disability
    • 11.6 Social Security disability > Waiting period
    • 11.6 Social Security disability > Disability income benefits
    • 11.7 Workers compensation
    • 11.7 Workers compensation > Eligibility
    • 11.7 Workers compensation > Benefits
  • 12.0 Medical Plans (8%)
    • 12.1 Medical plan concepts
    • 12.1 Medical plan concepts > Fee-for-service basis versus prepaid basis
    • 12.1 Medical plan concepts > Prepaid Basis
    • 12.1 Medical plan concepts > Specified coverages versus comprehensive care
    • 12.1 Medical plan concepts > Comprehensive Care
    • 12.1 Medical plan concepts > Benefit schedule versus usual/reasonable/customary charges
    • 12.1 Medical plan concepts > Usual - Reasonable - Customary Charges
    • 12.1 Medical plan concepts > Any provider versus limited choice of providers
    • 12.1 Medical plan concepts > Limited Choice of Providers
    • 12.1 Medical plan concepts > Insureds versus subscribers/participants
    • 12.2 Types of providers and plans
    • 12.2 Types of providers and plans > Insurers
    • 12.2 Types of providers and plans > Nonprofits Health Service Plans
    • 12.2 Types of providers and plans > Major medical insurance (insurers)
    • 12.2 Types of providers and plans > Major medical insurance (insurers) > Characteristics
    • 12.2 Types of providers and plans > Major medical insurance (insurers) > Common limitations
    • 12.2 Types of providers and plans > Major medical insurance (insurers) > Common exclusions from coverage
    • 12.2 Types of providers and plans > Major medical insurance (insurers) > Deductibles
    • 12.2 Types of providers and plans > Major medical insurance (insurers) > Coinsurance feature
    • 12.2 Types of providers and plans > Major medical insurance (insurers) > Stop-loss feature
    • 12.2 Types of providers and plans > Major medical insurance (insurers) > Maximum benefits
    • 12.2 Types of providers and plans > Fixed Indemnity
    • 12.2 Types of providers and plans > Health services plans
    • 12.2 Types of providers and plans > Health services plans > Definitions
    • 12.2 Types of providers and plans > Health services plans > Plans offered
    • 12.2 Types of providers and plans > Health services plans > Other services
    • 12.2 Types of providers and plans > Health services plans > Qualified providers
    • 12.2 Types of providers and plans > Health services plans > Choice of provider or pharmacy
    • 12.2 Types of providers and plans > Health services plans > Provider panels
    • 12.2 Types of providers and plans > Health services plans > Disclosure of benefits
    • 12.2 Types of providers and plans > Health services plans > Subscribers
    • 12.2 Types of providers and plans > Health maintenance organizations (HMOs)
    • 12.2 Types of providers and plans > Health maintenance organizations (HMOs) > Combined health care delivery and financing
    • 12.2 Types of providers and plans > Health maintenance organizations (HMOs) > Limited service area/out of area benefits
    • 12.2 Types of providers and plans > Health maintenance organizations (HMOs) > Limited choice of providers
    • 12.2 Types of providers and plans > Health maintenance organizations (HMOs) > Gatekeeper concept
    • 12.2 Types of providers and plans > Health maintenance organizations (HMOs) > Copayments
    • 12.2 Types of providers and plans > Health maintenance organizations (HMOs) > Prepaid basis
    • 12.2 Types of providers and plans > Health maintenance organizations (HMOs) > Preventive care services
    • 12.2 Types of providers and plans > Health maintenance organizations (HMOs) > Primary care physician versus referral (specialty) physician
    • 12.2 Types of providers and plans > Health maintenance organizations (HMOs) > Emergency care
    • 12.2 Types of providers and plans > Health maintenance organizations (HMOs) > Hospital services
    • 12.2 Types of providers and plans > Health maintenance organizations (HMOs) > Other basic services
    • 12.2 Types of providers and plans > Health maintenance organizations (HMOs) > Subscribers
    • 12.2 Types of providers and plans > Preferred provider organizations (PPOs)
    • 12.2 Types of providers and plans > Preferred provider organizations (PPOs) > General characteristics
    • 12.2 Types of providers and plans > Preferred provider organizations (PPOs) > Open panel or closed panel
    • 12.2 Types of providers and plans > Point-of-service (POS) plans
    • 12.2 Types of providers and plans > Point-of-service (POS) plans > Nature and purpose
    • 12.2 Types of providers and plans > Point-of-service (POS) plans > Out-of-network provider access (open-ended HMO)
    • 12.2 Types of providers and plans > Point-of-service (POS) plans > PCP referral
    • 12.2 Types of providers and plans > Point-of-service (POS) plans > Indemnity plan features
    • 12.2 Types of providers and plans > TRI-CARE
    • 12.3 Cost containment in health care delivery
    • 12.3 Cost containment in health care delivery > Cost-saving services
    • 12.3 Cost containment in health care delivery > Cost-saving services > Preventive care
    • 12.3 Cost containment in health care delivery > Cost-saving services > Outpatient ambulatory services
    • 12.3 Cost containment in health care delivery > Cost-saving services > Alternatives to hospital services
    • 12.3 Cost containment in health care delivery > Utilization management
    • 12.3 Cost containment in health care delivery > Utilization management > Prospective review
    • 12.3 Cost containment in health care delivery > Utilization management > Concurrent review
    • 12.3 Cost containment in health care delivery > Coordination of Benefits
    • 12.4 HIPAA (Health Insurance Portability and Accountability Act) requirements
    • 12.4 HIPAA (Health Insurance Portability and Accountability Act) requirements > Eligibility
    • 12.4 HIPAA (Health Insurance Portability and Accountability Act) requirements > Guaranteed issue
    • 12.4 HIPAA (Health Insurance Portability and Accountability Act) requirements > Pre-existing conditions
    • 12.4 HIPAA (Health Insurance Portability and Accountability Act) requirements > Creditable coverage
    • 12.4 HIPAA (Health Insurance Portability and Accountability Act) requirements > Renewability
    • 12.5 Health Savings Accounts (HSAs) and Health Reimbursement Accounts (HRAs)
    • 12.5 Health Savings Accounts (HSAs) and Health Reimbursement Accounts (HRAs) > Definition
    • 12.5 Health Savings Accounts (HSAs) and Health Reimbursement Accounts (HRAs) > Eligibility
    • 12.5 Health Savings Accounts (HSAs) and Health Reimbursement Accounts (HRAs) > Contribution limits
    • 12.6 Patient Protection and Affordable Care Act
    • 12.6 Patient Protection and Affordable Care Act > Coverage of Children to Age 26
    • 12.6 Patient Protection and Affordable Care Act > Preventative Care
    • 12.6 Patient Protection and Affordable Care Act > Pre-existing Conditions
    • 12.6 Patient Protection and Affordable Care Act > Lifetime and Annual Limits
    • 12.6 Patient Protection and Affordable Care Act > Grandfathered vs. Non-Grandfathered Plans
    • 12.6 Patient Protection and Affordable Care Act > Rescissions
    • 12.6 Patient Protection and Affordable Care Act > Essential Health Benefits
    • 12.6 Patient Protection and Affordable Care Act > Metal Levels
    • 12.6 Patient Protection and Affordable Care Act > SHOP Payment and Billing
    • 12.6 Patient Protection and Affordable Care Act > Internal Appeal and External Review
    • 12.6 Patient Protection and Affordable Care Act > Subsidies/Tax Credits
    • 12.6 Patient Protection and Affordable Care Act > Penalties and Fines
  • 13.0 Group Health Insurance (2%)
    • 13.1 Characteristics of group insurance
    • 13.1 Characteristics of group insurance > Group contract
    • 13.1 Characteristics of group insurance > Certificate of coverage
    • 13.1 Characteristics of group insurance > Experience rating versus community rating
    • 13.1 Characteristics of group insurance > Community Rating
    • 13.2 Defined groups
    • 13.2 Defined groups > Employer
    • 13.2 Defined groups > Creditor
    • 13.2 Defined groups > Labor union
    • 13.2 Defined groups > Multiple Employer Trust
    • 13.2 Defined groups > Association
    • 13.2 Defined groups > Credit union
    • 13.3 Marketing considerations
    • 13.3 Marketing considerations > Advertising
    • 13.3 Marketing considerations > Regulatory jurisdiction/place of delivery
    • 13.4 Employer group health insurance
    • 13.4 Employer group health insurance > Insurer underwriting criteria
    • 13.4 Employer group health insurance > Insurer underwriting criteria > Characteristics of the group
    • 13.4 Employer group health insurance > Insurer underwriting criteria > Plan design factors
    • 13.4 Employer group health insurance > Insurer underwriting criteria > Persistency factors
    • 13.4 Employer group health insurance > Insurer underwriting criteria > Administrative capability
    • 13.4 Employer group health insurance > Eligibility for insurance
    • 13.4 Employer group health insurance > Eligibility for insurance > Annual open enrollment
    • 13.4 Employer group health insurance > Eligibility for insurance > Employee eligibility
    • 13.4 Employer group health insurance > Eligibility for insurance > Dependent eligibility
    • 13.4 Employer group health insurance > Coordination of benefits provision
    • 13.4 Employer group health insurance > Change of insurance companies or loss of coverage
    • 13.4 Employer group health insurance > Change of insurance companies or loss of coverage > Coinsurance and deductible carryover
    • 13.4 Employer group health insurance > Change of insurance companies or loss of coverage > No-loss no-gain
    • 13.4 Employer group health insurance > Change of insurance companies or loss of coverage > Events that terminate coverage
    • 13.4 Employer group health insurance > Change of insurance companies or loss of coverage > Reinstatement of Coverage for Military Personnel
    • 13.4 Employer group health insurance > Change of insurance companies or loss of coverage > Notification of Medicare Eligibility
    • 13.4 Employer group health insurance > Change of insurance companies or loss of coverage > Reinstatement of coverage for military personnel
    • 13.4 Employer group health insurance > Change of insurance companies or loss of coverage > Notification of Medicare eligibility
    • 13.4 Employer group health insurance > Change of insurance companies or loss of coverage > Extension of benefits
    • 13.4 Employer group health insurance > Change of insurance companies or loss of coverage > Continuation of coverage under COBRA and Maryland specific rules
    • 13.4 Employer group health insurance > Change of insurance companies or loss of coverage > Conversion privilege
    • 13.4 Employer group health insurance > Continuation of Coverage
    • 13.4 Employer group health insurance > Special Enrollment Periods
    • 13.4 Employer group health insurance > Minimizing Adverse Selection
    • 13.5 Small employer medical plans
    • 13.5 Small employer medical plans > Definition of small employer
    • 13.5 Small employer medical plans > Availability of coverage
    • 13.5 Small employer medical plans > Disclosure of coverage provisions
    • 13.5 Small employer medical plans > Enrollment eligibility
    • 13.5 Small employer medical plans > Renewability
  • 14.0 Dental Insurance (1%)
    • 14.1 Types of dental treatment
    • 14.1 Types of dental treatment > Diagnostic and preventive
    • 14.1 Types of dental treatment > Restorative
    • 14.1 Types of dental treatment > Oral surgery
    • 14.1 Types of dental treatment > Endodontics
    • 14.1 Types of dental treatment > Periodontics
    • 14.1 Types of dental treatment > Prosthodontics
    • 14.1 Types of dental treatment > Orthodontics
    • 14.2 Indemnity plans
    • 14.2 Indemnity plans > Choice of providers
    • 14.2 Indemnity plans > Scheduled versus nonscheduled plans
    • 14.2 Indemnity plans > Benefit categories
    • 14.2 Indemnity plans > Benefit categories > Diagnostic/preventive services
    • 14.2 Indemnity plans > Benefit categories > Basic services
    • 14.2 Indemnity plans > Benefit categories > Major services
    • 14.2 Indemnity plans > Deductibles and coinsurance
    • 14.2 Indemnity plans > Combination plans
    • 14.2 Indemnity plans > Exclusions
    • 14.2 Indemnity plans > Limitations
    • 14.2 Indemnity plans > Predetermination of benefits
    • 14.3 Employer group dental expense
    • 14.3 Employer group dental expense > Integrated deductibles versus stand-alone plans
    • 14.3 Employer group dental expense > Minimizing adverse selection
  • 15.0 Insurance for Senior Citizens and Special Needs Individuals (5%)
    • 15.1 Medicare
    • 15.1 Medicare > Nature, financing and administration
    • 15.1 Medicare > Part A — Hospital Insurance
    • 15.1 Medicare > Part A — Hospital Insurance > Individual eligibility requirements
    • 15.1 Medicare > Part A — Hospital Insurance > Enrollment
    • 15.1 Medicare > Part A — Hospital Insurance > Coverages and cost-sharing amounts
    • 15.1 Medicare > Part B — Medical Insurance
    • 15.1 Medicare > Part B — Medical Insurance > Individual eligibility requirements
    • 15.1 Medicare > Part B — Medical Insurance > Enrollment
    • 15.1 Medicare > Part B — Medical Insurance > Coverages and cost-sharing amounts
    • 15.1 Medicare > Part B — Medical Insurance > Exclusions
    • 15.1 Medicare > Part B — Medical Insurance > Claims terminology and other key terms
    • 15.1 Medicare > Part C — Medicare Advantage
    • 15.1 Medicare > Part D — Prescription Drug Insurance
    • 15.2 Medicare supplement insurance
    • 15.2 Medicare supplement insurance > Purpose
    • 15.2 Medicare supplement insurance > Open enrollment
    • 15.2 Medicare supplement insurance > Rating of Medicare supplement plans
    • 15.2 Medicare supplement insurance > Rating of Medicare supplement plans > Attained age
    • 15.2 Medicare supplement insurance > Rating of Medicare supplement plans > Issue age
    • 15.2 Medicare supplement insurance > Rating of Medicare supplement plans > Community rated
    • 15.2 Medicare supplement insurance > Standardized Medicare supplement plans
    • 15.2 Medicare supplement insurance > Standardized Medicare supplement plans > Core benefits
    • 15.2 Medicare supplement insurance > Standardized Medicare supplement plans > Additional benefits
    • 15.2 Medicare supplement insurance > Standardized Medicare supplement plans > High deductible plans
    • 15.3 Other options for individuals with Medicare
    • 15.3 Other options for individuals with Medicare > Employer group health plans
    • 15.3 Other options for individuals with Medicare > Employer group health plans > Disabled employees
    • 15.3 Other options for individuals with Medicare > Employer group health plans > Employees with kidney failure
    • 15.3 Other options for individuals with Medicare > Employer group health plans > Individuals age 65 and older
    • 15.3 Other options for individuals with Medicare > Medicaid
    • 15.3 Other options for individuals with Medicare > Medicaid > Eligibility
    • 15.3 Other options for individuals with Medicare > Medicaid > Benefits
    • 15.4 Long-term care (LTC) policies
    • 15.4 Long-term care (LTC) policies > LTC, Medicare and Medicaid compared
    • 15.4 Long-term care (LTC) policies > Eligibility for benefits
    • 15.4 Long-term care (LTC) policies > Levels of care
    • 15.4 Long-term care (LTC) policies > Levels of care > Skilled care
    • 15.4 Long-term care (LTC) policies > Levels of care > Intermediate care
    • 15.4 Long-term care (LTC) policies > Levels of care > Custodial care
    • 15.4 Long-term care (LTC) policies > Levels of care > Home health care
    • 15.4 Long-term care (LTC) policies > Levels of care > Adult day care
    • 15.4 Long-term care (LTC) policies > Levels of care > Respite care
    • 15.4 Long-term care (LTC) policies > Benefit periods
    • 15.4 Long-term care (LTC) policies > Benefit amounts
    • 15.4 Long-term care (LTC) policies > Optional benefits
    • 15.4 Long-term care (LTC) policies > Optional benefits > Inflation Protection
    • 15.4 Long-term care (LTC) policies > Optional benefits > Nonforfeiture
    • 15.4 Long-term care (LTC) policies > Optional benefits > Guarantee of insurability
    • 15.4 Long-term care (LTC) policies > Optional benefits > Return of premium
    • 15.4 Long-term care (LTC) policies > Qualified and Nonqualified
    • 15.4 Long-term care (LTC) policies > Exclusions
    • 15.4 Long-term care (LTC) policies > Underwriting Considerations
    • 15.4 Long-term care (LTC) policies > Partnership
    • 15.4 Long-term care (LTC) policies > Qualified LTC plans
    • 15.4 Long-term care (LTC) policies > Deductibility of premiums for LTC insurance for state income tax purposes
    • 15.4 Long-term care (LTC) policies > Exclusions
    • 15.4 Long-term care (LTC) policies > Underwriting considerations
    • 15.5 Interaction with Other Coverage
    • 15.5 Interaction with Other Coverage > Medicare
    • 15.5 Interaction with Other Coverage > Medicaid
    • 15.5 Interaction with Other Coverage > Medical Insurance
  • 16.0 Federal Tax Considerations for Health Insurance (2%)
    • 16.1 Personally-owned health insurance
    • 16.1 Personally-owned health insurance > Disability income insurance
    • 16.1 Personally-owned health insurance > Medical expense insurance
    • 16.1 Personally-owned health insurance > Long-term care insurance
    • 16.2 Employer group health insurance
    • 16.2 Employer group health insurance > Disability income (STD, LTD)
    • 16.2 Employer group health insurance > Medical and dental expense
    • 16.2 Employer group health insurance > Long-term care insurance
    • 16.2 Employer group health insurance > Accidental death and dismemberment
    • 16.3 Medical expense coverage for sole proprietors and partners
    • 16.4 Business disability insurance
    • 16.4 Business disability insurance > Key person disability income
    • 16.4 Business disability insurance > Business overhead expense
    • 16.4 Business disability insurance > Business Disability Buyout
    • 16.5 Health Savings Accounts (HSAs), Health Reimbursement Accounts (HRAs), and Flexible Spending Accounts (FSAs)
    • 16.5 Health Savings Accounts (HSAs), Health Reimbursement Accounts (HRAs), and Flexible Spending Accounts (FSAs) > Health Savings Accounts
    • 16.5 Health Savings Accounts (HSAs), Health Reimbursement Accounts (HRAs), and Flexible Spending Accounts (FSAs) > Health Reimbursement Accounts
    • 16.5 Health Savings Accounts (HSAs), Health Reimbursement Accounts (HRAs), and Flexible Spending Accounts (FSAs) > Flexible Spending Accounts
    • 16.5 Health Savings Accounts (HSAs), Health Reimbursement Accounts (HRAs), and Flexible Spending Accounts (FSAs) > High Deductible Health Plans
Examination sources