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Wisconsin Health Insurance — Requirements & Free Practice

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Licenses, application pathways and examination requirements

Each license and applicant pathway has its own requirements and exemptions. Choosing practice questions does not determine your eligibility.

insurance intermediary firm license

Optional intermediary-firm license for a health-insurance agency. It does not itself authorize individual insurance sales; licensed natural persons must perform licensed acts.

Licensing authority: Wisconsin Office of the Commissioner of Insurance · Application information

Optional nonresident intermediary firm licensure
No examination is required for this applicant pathway.
Application
Submit the NAIC Uniform Application signed or submitted by an officer or partner, $100 initial fee, and required certification and documentation.
Designated producer
Assign a Designated Responsible Licensed Producer and list the relevant licensed individuals and controlling partners, directors or officers.
Entity
Corporation, association, partnership, limited liability company, limited liability partnership or other legal entity.
Individual licenses
All licensed intermediary acts must be performed by licensed natural persons functioning within their licensed health authority.
Jurisdiction
Agree to the jurisdiction of the Commissioner and Wisconsin courts for Wisconsin insurance activities.
Status
nonresident intermediary firm.
Trustworthiness
Controlling individuals must satisfy the applicable competence and trustworthiness standards.

Official no-examination sources

Effective from 2026-09-22.

Nonresident intermediary firm new application after lapse
No examination is required for this applicant pathway.
Application
Submit the NAIC Uniform Application signed or submitted by an officer or partner, $100 initial fee, and required certification and documentation.
Designated producer
Assign a Designated Responsible Licensed Producer and list the relevant licensed individuals and controlling partners, directors or officers.
Entity
Corporation, association, partnership, limited liability company, limited liability partnership or other legal entity.
Individual licenses
All licensed intermediary acts must be performed by licensed natural persons functioning within their licensed health authority.
Jurisdiction
Agree to the jurisdiction of the Commissioner and Wisconsin courts for Wisconsin insurance activities.
Lapsed firm
Firm licenses are not eligible for reinstatement; reapply for a new license and pay $100.
Status
nonresident intermediary firm.
Trustworthiness
Controlling individuals must satisfy the applicable competence and trustworthiness standards.

Official no-examination sources

Effective from 2026-09-22.

Nonresident intermediary firm biennial renewal
No examination is required for this applicant pathway.
Entity
Existing nonresident intermediary firm; maintain the required individual licensure and DRLP.
Oci fee notice
OCI’s Types of Licenses and Fees page lists a $75 nonresident firm renewal fee, differing from the $70 rule; follow the applicable current invoicing instructions.
Renewal
Pay the biennial regulation fee before February 15 of the even-numbered year: $35 resident or $70 nonresident under Ins 6.58(5).

Official no-examination sources

Effective from 2026-09-22.

Optional resident intermediary firm licensure
No examination is required for this applicant pathway.
Application
Submit the NAIC Uniform Application signed or submitted by an officer or partner, $100 initial fee, and required certification and documentation.
Designated producer
Assign a Designated Responsible Licensed Producer and list the relevant licensed individuals and controlling partners, directors or officers.
Entity
Corporation, association, partnership, limited liability company, limited liability partnership or other legal entity.
Individual licenses
All licensed intermediary acts must be performed by licensed natural persons functioning within their licensed health authority.
Status
resident intermediary firm.
Trustworthiness
Controlling individuals must satisfy the applicable competence and trustworthiness standards.

Official no-examination sources

Effective from 2026-09-22.

Resident intermediary firm new application after lapse
No examination is required for this applicant pathway.
Application
Submit the NAIC Uniform Application signed or submitted by an officer or partner, $100 initial fee, and required certification and documentation.
Designated producer
Assign a Designated Responsible Licensed Producer and list the relevant licensed individuals and controlling partners, directors or officers.
Entity
Corporation, association, partnership, limited liability company, limited liability partnership or other legal entity.
Individual licenses
All licensed intermediary acts must be performed by licensed natural persons functioning within their licensed health authority.
Lapsed firm
Firm licenses are not eligible for reinstatement; reapply for a new license and pay $100.
Status
resident intermediary firm.
Trustworthiness
Controlling individuals must satisfy the applicable competence and trustworthiness standards.

Official no-examination sources

Effective from 2026-09-22.

Resident intermediary firm biennial renewal
No examination is required for this applicant pathway.
Entity
Existing resident intermediary firm; maintain the required individual licensure and DRLP.
Oci fee notice
OCI’s Types of Licenses and Fees page lists a $75 nonresident firm renewal fee, differing from the $70 rule; follow the applicable current invoicing instructions.
Renewal
Pay the biennial regulation fee before February 15 of the even-numbered year: $35 resident or $70 nonresident under Ins 6.58(5).

Official no-examination sources

Effective from 2026-09-22.

Intermediary (Producer) Individual — Accident and Health or Sickness

Individual intermediary authority for accident, health or sickness insurance, including disability income, long-term care and Medicare supplement insurance. Resident and nonresident status are routes to this authority.

Licensing authority: Wisconsin Office of the Commissioner of Insurance · Application information

Conversion from Wisconsin nonresident to resident authority
Wisconsin Accident and Health or Sickness: General and State
Age
At least 18 years old under Ins 6.59(5)(e).
Application
Submit the NAIC Uniform Application via NIPR, required documents and applicable fees; resident applications incur a $10 application fee and $75 per line of authority.
Competence and trustworthiness
Demonstrate competence, trustworthiness and good-faith intent to do intermediary business; provide accurate background disclosures and required supporting documentation.
Controlled business
Comply with Wis. Stat. 628.51 concerning compensation for insurance on the applicant’s own risks.
Course assessment
An asynchronous prelicensing course requires its own proctored course examination. This is a course-completion condition, distinct from Series 22-03.
Delinquencies
Licensure is subject to Wis. Stat. 628.097 concerning support obligations, subpoenas or warrants, delinquent taxes and unemployment insurance contributions.
Exam score
Pass Series 22-03 and apply within 180 days; otherwise retake the exam. Wait 48–72 hours for scores to appear in NIPR.
Fingerprints
Provide electronic Wisconsin and FBI criminal history through approved fingerprinting; fingerprint information is valid for 180 days.
Identification
Provide a social security number, or the sworn no-social-security-number statement specified in Wis. Stat. 628.095.
Oci portability waiver
{"locator":"Wisconsin-Licensed Nonresident Agents Moving to Wisconsin, exam waiver","quote":"Agents can obtain their Wisconsin resident license within one year of inactivating their previous resident state license to avoid completing prelicensing education, fingerprinting, and the exam requirements. Only the same lines of authority previously held can be applied for in Wisconsin. Any new lines of authority not previously held will require agents to follow the \nresident licensing requirements\n.","reading":"OCI states that qualifying applicants can avoid prelicensing education, fingerprinting and examination. Ins 6.59(2) states that an examination is required of each resident applicant. Under the contract’s source-ranking rule, Series 22-03 remains a leaf and OCI’s stated waiver is an applicant condition.","source":"OCI Update License Information"}
Prelicensing
Complete 20 hours of approved prelicensing education (8 general law, principles and ethics; 12 line-specific hours) before sitting for the exam; completion is valid for one year. Approved exemptions include specified insurance degrees, eligible military instruction and the health designations RHU, CEBS, REBC or HIA.
Previous resident license
Previously held the same health line as a resident license outside Wisconsin; surrender that resident license and apply within one year of its inactivation.
Residency
Wisconsin resident applying for the Accident and Health or Sickness major line.
Supporting information
Provide outstanding information within 90 days after submitting the application or it expires.
Wisconsin nonresident license
Surrender the Wisconsin nonresident license before applying for resident authority; former nonresident authority lasts no more than 60 days after becoming a Wisconsin resident.
Conversion from resident to nonresident authority
No examination is required for this applicant pathway.
Age
At least 18 years old under Ins 6.59(5)(e).
Application
Submit the NAIC Uniform Application via NIPR, required documents and applicable fees; resident applications incur a $10 application fee and $75 per line of authority.
Competence and trustworthiness
Demonstrate competence, trustworthiness and good-faith intent to do intermediary business; provide accurate background disclosures and required supporting documentation.
Controlled business
Comply with Wis. Stat. 628.51 concerning compensation for insurance on the applicant’s own risks.
Delinquencies
Licensure is subject to Wis. Stat. 628.097 concerning support obligations, subpoenas or warrants, delinquent taxes and unemployment insurance contributions.
Examination waiver
Wis. Stat. 628.07 requires waiver of examination requirements for a qualifying nonresident. Examination requirements of another state are applicant qualifications, not Wisconsin examination leaves.
Home license
Hold an equivalent health line license in good standing in the home or resident state; if NIPR cannot verify it, provide evidence from the home state.
Identification
Provide a social security number, or the sworn no-social-security-number statement specified in Wis. Stat. 628.095.
Jurisdiction
Agree to the jurisdiction of the Commissioner and Wisconsin courts for insurance activities in Wisconsin.
Residency
Nonresident applicant.
Status change
Notify OCI of the change within 30 days; resident authority lasts up to 60 days after moving. Obtain the new home-state health authority and apply for Wisconsin nonresident licensure within that period.

Official no-examination sources

Effective from 2026-09-22.

Nonresident enlargement of authority to add Accident and Health or Sickness
No examination is required for this applicant pathway.
Age
At least 18 years old under Ins 6.59(5)(e).
Application
Submit the NAIC Uniform Application via NIPR, required documents and applicable fees; resident applications incur a $10 application fee and $75 per line of authority.
Competence and trustworthiness
Demonstrate competence, trustworthiness and good-faith intent to do intermediary business; provide accurate background disclosures and required supporting documentation.
Controlled business
Comply with Wis. Stat. 628.51 concerning compensation for insurance on the applicant’s own risks.
Delinquencies
Licensure is subject to Wis. Stat. 628.097 concerning support obligations, subpoenas or warrants, delinquent taxes and unemployment insurance contributions.
Examination waiver
Wis. Stat. 628.07 requires waiver of examination requirements for a qualifying nonresident. Examination requirements of another state are applicant qualifications, not Wisconsin examination leaves.
Existing license
Holds Wisconsin nonresident authority and adds the health line already held in good standing in the home state.
Home license
Hold an equivalent health line license in good standing in the home or resident state; if NIPR cannot verify it, provide evidence from the home state.
Identification
Provide a social security number, or the sworn no-social-security-number statement specified in Wis. Stat. 628.095.
Jurisdiction
Agree to the jurisdiction of the Commissioner and Wisconsin courts for insurance activities in Wisconsin.
Residency
Nonresident applicant.

Official no-examination sources

Effective from 2026-09-22.

Nonresident reapplication
No examination is required for this applicant pathway.
Age
At least 18 years old under Ins 6.59(5)(e).
Application
Submit the NAIC Uniform Application via NIPR, required documents and applicable fees; resident applications incur a $10 application fee and $75 per line of authority.
Competence and trustworthiness
Demonstrate competence, trustworthiness and good-faith intent to do intermediary business; provide accurate background disclosures and required supporting documentation.
Controlled business
Comply with Wis. Stat. 628.51 concerning compensation for insurance on the applicant’s own risks.
Delinquencies
Licensure is subject to Wis. Stat. 628.097 concerning support obligations, subpoenas or warrants, delinquent taxes and unemployment insurance contributions.
Examination waiver
Wis. Stat. 628.07 requires waiver of examination requirements for a qualifying nonresident. Examination requirements of another state are applicant qualifications, not Wisconsin examination leaves.
Home license
Hold an equivalent health line license in good standing in the home or resident state; if NIPR cannot verify it, provide evidence from the home state.
Identification
Provide a social security number, or the sworn no-social-security-number statement specified in Wis. Stat. 628.095.
Jurisdiction
Agree to the jurisdiction of the Commissioner and Wisconsin courts for insurance activities in Wisconsin.
Prior revocation
Following revocation under Wis. Stat. 628.10(2)(b) or (cr), observe the order’s reapplication bar, up to five years; if the order specifies no time, the bar is five years. Reapply under the applicable resident or nonresident requirements.
Residency
Nonresident applicant.

Official no-examination sources

Effective from 2026-09-22.

Nonresident reapplication
No examination is required for this applicant pathway.
Age
At least 18 years old under Ins 6.59(5)(e).
Application
Submit the NAIC Uniform Application via NIPR, required documents and applicable fees; resident applications incur a $10 application fee and $75 per line of authority.
Competence and trustworthiness
Demonstrate competence, trustworthiness and good-faith intent to do intermediary business; provide accurate background disclosures and required supporting documentation.
Controlled business
Comply with Wis. Stat. 628.51 concerning compensation for insurance on the applicant’s own risks.
Delinquencies
Licensure is subject to Wis. Stat. 628.097 concerning support obligations, subpoenas or warrants, delinquent taxes and unemployment insurance contributions.
Examination waiver
Wis. Stat. 628.07 requires waiver of examination requirements for a qualifying nonresident. Examination requirements of another state are applicant qualifications, not Wisconsin examination leaves.
Home license
Hold an equivalent health line license in good standing in the home or resident state; if NIPR cannot verify it, provide evidence from the home state.
Identification
Provide a social security number, or the sworn no-social-security-number statement specified in Wis. Stat. 628.095.
Jurisdiction
Agree to the jurisdiction of the Commissioner and Wisconsin courts for insurance activities in Wisconsin.
Prior surrender
Voluntary surrender inactivates the license without a grace period to rescind; obtain licensure again under Wisconsin licensing requirements.
Residency
Nonresident applicant.

Official no-examination sources

Effective from 2026-09-22.

Nonresident licensure by equivalent home state credentials
No examination is required for this applicant pathway.
Age
At least 18 years old under Ins 6.59(5)(e).
Application
Submit the NAIC Uniform Application via NIPR, required documents and applicable fees; resident applications incur a $10 application fee and $75 per line of authority.
Competence and trustworthiness
Demonstrate competence, trustworthiness and good-faith intent to do intermediary business; provide accurate background disclosures and required supporting documentation.
Controlled business
Comply with Wis. Stat. 628.51 concerning compensation for insurance on the applicant’s own risks.
Delinquencies
Licensure is subject to Wis. Stat. 628.097 concerning support obligations, subpoenas or warrants, delinquent taxes and unemployment insurance contributions.
Examination waiver
Wis. Stat. 628.07 requires waiver of examination requirements for a qualifying nonresident. Examination requirements of another state are applicant qualifications, not Wisconsin examination leaves.
Home license
Hold an equivalent health line license in good standing in the home or resident state; if NIPR cannot verify it, provide evidence from the home state.
Identification
Provide a social security number, or the sworn no-social-security-number statement specified in Wis. Stat. 628.095.
Jurisdiction
Agree to the jurisdiction of the Commissioner and Wisconsin courts for insurance activities in Wisconsin.
Residency
Nonresident applicant.

Official no-examination sources

Effective from 2026-09-22.

Nonresident reinstatement within twelve months
No examination is required for this applicant pathway.
Age
At least 18 years old under Ins 6.59(5)(e).
Application
Submit the NAIC Uniform Application via NIPR, required documents and applicable fees; resident applications incur a $10 application fee and $75 per line of authority.
Application fee
Submit the NIPR application and pay $140 reinstatement fee. Tax or child-support cases use the OCI paper reinstatement form.
Competence and trustworthiness
Demonstrate competence, trustworthiness and good-faith intent to do intermediary business; provide accurate background disclosures and required supporting documentation.
Controlled business
Comply with Wis. Stat. 628.51 concerning compensation for insurance on the applicant’s own risks.
Delinquencies
Licensure is subject to Wis. Stat. 628.097 concerning support obligations, subpoenas or warrants, delinquent taxes and unemployment insurance contributions.
Examination waiver
Wis. Stat. 628.07 requires waiver of examination requirements for a qualifying nonresident. Examination requirements of another state are applicant qualifications, not Wisconsin examination leaves.
Home license
Hold an equivalent health line license in good standing in the home or resident state; if NIPR cannot verify it, provide evidence from the home state.
Identification
Provide a social security number, or the sworn no-social-security-number statement specified in Wis. Stat. 628.095.
Jurisdiction
Agree to the jurisdiction of the Commissioner and Wisconsin courts for insurance activities in Wisconsin.
Prior license
Previously held Wisconsin nonresident health authority, expired within twelve months.
Residency
Nonresident applicant.

Official no-examination sources

Effective from 2026-09-22.

Nonresident reinstatement after more than twelve months
No examination is required for this applicant pathway.
Age
At least 18 years old under Ins 6.59(5)(e).
Application
Submit the NAIC Uniform Application via NIPR, required documents and applicable fees; resident applications incur a $10 application fee and $75 per line of authority.
Application fee
Submit the NIPR application and pay $75 per line of authority. Tax or child-support cases use the OCI paper reinstatement form.
Competence and trustworthiness
Demonstrate competence, trustworthiness and good-faith intent to do intermediary business; provide accurate background disclosures and required supporting documentation.
Controlled business
Comply with Wis. Stat. 628.51 concerning compensation for insurance on the applicant’s own risks.
Delinquencies
Licensure is subject to Wis. Stat. 628.097 concerning support obligations, subpoenas or warrants, delinquent taxes and unemployment insurance contributions.
Examination waiver
Wis. Stat. 628.07 requires waiver of examination requirements for a qualifying nonresident. Examination requirements of another state are applicant qualifications, not Wisconsin examination leaves.
Home license
Hold an equivalent health line license in good standing in the home or resident state; if NIPR cannot verify it, provide evidence from the home state.
Identification
Provide a social security number, or the sworn no-social-security-number statement specified in Wis. Stat. 628.095.
Jurisdiction
Agree to the jurisdiction of the Commissioner and Wisconsin courts for insurance activities in Wisconsin.
Prior license
Previously held Wisconsin nonresident health authority, expired after more than twelve months.
Residency
Nonresident applicant.

Official no-examination sources

Effective from 2026-09-22.

Nonresident biennial renewal
No examination is required for this applicant pathway.
Continuing education
Satisfy the home state’s CE requirements and any Wisconsin product-specific training that applies.
Renewal fee
Pay the $70 nonresident fee by the last day of the birth month every other year.
Residency
Nonresident maintaining an active equivalent home-state health license.

Official no-examination sources

Effective from 2026-09-22.

Resident enlargement of authority to add Accident and Health or Sickness
Wisconsin Accident and Health or Sickness: General and State
Age
At least 18 years old under Ins 6.59(5)(e).
Application
Submit the NAIC Uniform Application via NIPR, required documents and applicable fees; resident applications incur a $10 application fee and $75 per line of authority.
Competence and trustworthiness
Demonstrate competence, trustworthiness and good-faith intent to do intermediary business; provide accurate background disclosures and required supporting documentation.
Controlled business
Comply with Wis. Stat. 628.51 concerning compensation for insurance on the applicant’s own risks.
Course assessment
An asynchronous prelicensing course requires its own proctored course examination. This is a course-completion condition, distinct from Series 22-03.
Delinquencies
Licensure is subject to Wis. Stat. 628.097 concerning support obligations, subpoenas or warrants, delinquent taxes and unemployment insurance contributions.
Exam score
Pass Series 22-03 and apply within 180 days; otherwise retake the exam. Wait 48–72 hours for scores to appear in NIPR.
Existing license
Holds an intermediary license but is adding the health line for the first time; any approved education exemption applies only as approved by OCI.
Fingerprints
Provide electronic Wisconsin and FBI criminal history through approved fingerprinting; fingerprint information is valid for 180 days.
Identification
Provide a social security number, or the sworn no-social-security-number statement specified in Wis. Stat. 628.095.
Prelicensing
Complete 20 hours of approved prelicensing education (8 general law, principles and ethics; 12 line-specific hours) before sitting for the exam; completion is valid for one year. Approved exemptions include specified insurance degrees, eligible military instruction and the health designations RHU, CEBS, REBC or HIA.
Residency
Wisconsin resident applying for the Accident and Health or Sickness major line.
Supporting information
Provide outstanding information within 90 days after submitting the application or it expires.
Resident reapplication
Wisconsin Accident and Health or Sickness: General and State
Age
At least 18 years old under Ins 6.59(5)(e).
Application
Submit the NAIC Uniform Application via NIPR, required documents and applicable fees; resident applications incur a $10 application fee and $75 per line of authority.
Competence and trustworthiness
Demonstrate competence, trustworthiness and good-faith intent to do intermediary business; provide accurate background disclosures and required supporting documentation.
Controlled business
Comply with Wis. Stat. 628.51 concerning compensation for insurance on the applicant’s own risks.
Course assessment
An asynchronous prelicensing course requires its own proctored course examination. This is a course-completion condition, distinct from Series 22-03.
Delinquencies
Licensure is subject to Wis. Stat. 628.097 concerning support obligations, subpoenas or warrants, delinquent taxes and unemployment insurance contributions.
Exam score
Pass Series 22-03 and apply within 180 days; otherwise retake the exam. Wait 48–72 hours for scores to appear in NIPR.
Fingerprints
Provide electronic Wisconsin and FBI criminal history through approved fingerprinting; fingerprint information is valid for 180 days.
Identification
Provide a social security number, or the sworn no-social-security-number statement specified in Wis. Stat. 628.095.
Prelicensing
Complete 20 hours of approved prelicensing education (8 general law, principles and ethics; 12 line-specific hours) before sitting for the exam; completion is valid for one year. Approved exemptions include specified insurance degrees, eligible military instruction and the health designations RHU, CEBS, REBC or HIA.
Prior revocation
Following revocation under Wis. Stat. 628.10(2)(b) or (cr), observe the order’s reapplication bar, up to five years; if the order specifies no time, the bar is five years. Reapply under the applicable resident or nonresident requirements.
Residency
Wisconsin resident applying for the Accident and Health or Sickness major line.
Supporting information
Provide outstanding information within 90 days after submitting the application or it expires.
Resident reapplication
Wisconsin Accident and Health or Sickness: General and State
Age
At least 18 years old under Ins 6.59(5)(e).
Application
Submit the NAIC Uniform Application via NIPR, required documents and applicable fees; resident applications incur a $10 application fee and $75 per line of authority.
Competence and trustworthiness
Demonstrate competence, trustworthiness and good-faith intent to do intermediary business; provide accurate background disclosures and required supporting documentation.
Controlled business
Comply with Wis. Stat. 628.51 concerning compensation for insurance on the applicant’s own risks.
Course assessment
An asynchronous prelicensing course requires its own proctored course examination. This is a course-completion condition, distinct from Series 22-03.
Delinquencies
Licensure is subject to Wis. Stat. 628.097 concerning support obligations, subpoenas or warrants, delinquent taxes and unemployment insurance contributions.
Exam score
Pass Series 22-03 and apply within 180 days; otherwise retake the exam. Wait 48–72 hours for scores to appear in NIPR.
Fingerprints
Provide electronic Wisconsin and FBI criminal history through approved fingerprinting; fingerprint information is valid for 180 days.
Identification
Provide a social security number, or the sworn no-social-security-number statement specified in Wis. Stat. 628.095.
Prelicensing
Complete 20 hours of approved prelicensing education (8 general law, principles and ethics; 12 line-specific hours) before sitting for the exam; completion is valid for one year. Approved exemptions include specified insurance degrees, eligible military instruction and the health designations RHU, CEBS, REBC or HIA.
Prior surrender
Voluntary surrender inactivates the license without a grace period to rescind; obtain licensure again under Wisconsin licensing requirements.
Residency
Wisconsin resident applying for the Accident and Health or Sickness major line.
Supporting information
Provide outstanding information within 90 days after submitting the application or it expires.
Initial resident licensure by examination
Wisconsin Accident and Health or Sickness: General and State
Age
At least 18 years old under Ins 6.59(5)(e).
Application
Submit the NAIC Uniform Application via NIPR, required documents and applicable fees; resident applications incur a $10 application fee and $75 per line of authority.
Competence and trustworthiness
Demonstrate competence, trustworthiness and good-faith intent to do intermediary business; provide accurate background disclosures and required supporting documentation.
Controlled business
Comply with Wis. Stat. 628.51 concerning compensation for insurance on the applicant’s own risks.
Course assessment
An asynchronous prelicensing course requires its own proctored course examination. This is a course-completion condition, distinct from Series 22-03.
Delinquencies
Licensure is subject to Wis. Stat. 628.097 concerning support obligations, subpoenas or warrants, delinquent taxes and unemployment insurance contributions.
Exam score
Pass Series 22-03 and apply within 180 days; otherwise retake the exam. Wait 48–72 hours for scores to appear in NIPR.
Fingerprints
Provide electronic Wisconsin and FBI criminal history through approved fingerprinting; fingerprint information is valid for 180 days.
Identification
Provide a social security number, or the sworn no-social-security-number statement specified in Wis. Stat. 628.095.
Prelicensing
Complete 20 hours of approved prelicensing education (8 general law, principles and ethics; 12 line-specific hours) before sitting for the exam; completion is valid for one year. Approved exemptions include specified insurance degrees, eligible military instruction and the health designations RHU, CEBS, REBC or HIA.
Residency
Wisconsin resident applying for the Accident and Health or Sickness major line.
Supporting information
Provide outstanding information within 90 days after submitting the application or it expires.
Resident reinstatement within twelve months
No examination is required for this applicant pathway.
Cure
Satisfy the obligation that caused revocation and all previous CE requirements; submit the reinstatement application and twice the ordinary renewal fee ($70).
Paper application
OCI directs tax or child-support cases to its paper reinstatement application.
Prior license
Same previously held health authority terminated for renewal fee or CE noncompliance, or revoked for delinquent taxes or unemployment contributions; apply within twelve months.

Official no-examination sources

Effective from 2026-09-22.

Resident relicensing after more than twelve months
Wisconsin Accident and Health or Sickness: General and State
Age
At least 18 years old under Ins 6.59(5)(e).
Application
Submit the NAIC Uniform Application via NIPR, required documents and applicable fees; resident applications incur a $10 application fee and $75 per line of authority.
Competence and trustworthiness
Demonstrate competence, trustworthiness and good-faith intent to do intermediary business; provide accurate background disclosures and required supporting documentation.
Controlled business
Comply with Wis. Stat. 628.51 concerning compensation for insurance on the applicant’s own risks.
Course assessment
An asynchronous prelicensing course requires its own proctored course examination. This is a course-completion condition, distinct from Series 22-03.
Delinquencies
Licensure is subject to Wis. Stat. 628.097 concerning support obligations, subpoenas or warrants, delinquent taxes and unemployment insurance contributions.
Exam score
Pass Series 22-03 and apply within 180 days; otherwise retake the exam. Wait 48–72 hours for scores to appear in NIPR.
Fingerprints
Provide electronic Wisconsin and FBI criminal history through approved fingerprinting; fingerprint information is valid for 180 days.
Identification
Provide a social security number, or the sworn no-social-security-number statement specified in Wis. Stat. 628.095.
Prelicensing
Complete 20 hours of approved prelicensing education (8 general law, principles and ethics; 12 line-specific hours) before sitting for the exam; completion is valid for one year. Approved exemptions include specified insurance degrees, eligible military instruction and the health designations RHU, CEBS, REBC or HIA.
Prior license
Health authority terminated or revoked for more than twelve months; ordinary examination and licensing requirements apply again.
Residency
Wisconsin resident applying for the Accident and Health or Sickness major line.
Supporting information
Provide outstanding information within 90 days after submitting the application or it expires.
Resident biennial renewal
No examination is required for this applicant pathway.
Continuing education
Complete and bank 24 approved CE hours, including at least three ethics hours, each biennium before renewal; approved course assessments are education conditions, not separately identified licensing exams.
Renewal fee
Pay the $35 fee via NIPR by the last day of the birth month every other year.
Residency
Wisconsin resident.

Official no-examination sources

Effective from 2026-09-22.

Restoration after support related suspension
No examination is required for this applicant pathway.
Cure
Satisfy the requirements that caused suspension, complete the reinstatement application, and pay the original licensure application fee specified by rule.
Prior suspension
License was suspended for support delinquency or failure to comply with a relevant subpoena or warrant.

Official no-examination sources

Effective from 2026-09-22.

New Wisconsin resident licensure after relocation
Wisconsin Accident and Health or Sickness: General and State
Age
At least 18 years old under Ins 6.59(5)(e).
Application
Submit the NAIC Uniform Application via NIPR, required documents and applicable fees; resident applications incur a $10 application fee and $75 per line of authority.
Competence and trustworthiness
Demonstrate competence, trustworthiness and good-faith intent to do intermediary business; provide accurate background disclosures and required supporting documentation.
Controlled business
Comply with Wis. Stat. 628.51 concerning compensation for insurance on the applicant’s own risks.
Course assessment
An asynchronous prelicensing course requires its own proctored course examination. This is a course-completion condition, distinct from Series 22-03.
Delinquencies
Licensure is subject to Wis. Stat. 628.097 concerning support obligations, subpoenas or warrants, delinquent taxes and unemployment insurance contributions.
Exam score
Pass Series 22-03 and apply within 180 days; otherwise retake the exam. Wait 48–72 hours for scores to appear in NIPR.
Fingerprints
Provide electronic Wisconsin and FBI criminal history through approved fingerprinting; fingerprint information is valid for 180 days.
Identification
Provide a social security number, or the sworn no-social-security-number statement specified in Wis. Stat. 628.095.
Oci portability waiver
{"locator":"Wisconsin-Licensed Nonresident Agents Moving to Wisconsin, exam waiver","quote":"Agents can obtain their Wisconsin resident license within one year of inactivating their previous resident state license to avoid completing prelicensing education, fingerprinting, and the exam requirements. Only the same lines of authority previously held can be applied for in Wisconsin. Any new lines of authority not previously held will require agents to follow the \nresident licensing requirements\n.","reading":"OCI states that qualifying applicants can avoid prelicensing education, fingerprinting and examination. Ins 6.59(2) states that an examination is required of each resident applicant. Under the contract’s source-ranking rule, Series 22-03 remains a leaf and OCI’s stated waiver is an applicant condition.","source":"OCI Update License Information"}
Prelicensing
Complete 20 hours of approved prelicensing education (8 general law, principles and ethics; 12 line-specific hours) before sitting for the exam; completion is valid for one year. Approved exemptions include specified insurance degrees, eligible military instruction and the health designations RHU, CEBS, REBC or HIA.
Previous resident license
Previously held the same health line as a resident license outside Wisconsin; surrender that resident license and apply within one year of its inactivation.
Residency
Wisconsin resident applying for the Accident and Health or Sickness major line.
Supporting information
Provide outstanding information within 90 days after submitting the application or it expires.

temporary insurance agent license

Temporary authority to maintain an intermediary business after death, disability or entry into active military service; maximum duration twelve months.

Licensing authority: Wisconsin Office of the Commissioner of Insurance · Application information

Temporary health authority after deceased
No examination is required for this applicant pathway.
Application
Submit OCI 11-005, required background disclosures and employment history, and $75 per requested line of authority; noncitizens must provide work-eligibility evidence.
Discretionary unnamed exam
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Duration
No more than twelve months, no renewal or extension, and no continuation after disposition of the business.
Limitations
The Commissioner may limit authority, require a licensed intermediary or insurer sponsor assuming legal responsibility, or impose bonding or similar protections.
Purpose
Maintain the business for favorable sale of goodwill, recovery or return of the intermediary, or orderly training and licensing of new personnel.
Represented intermediary
Personal representative of a deceased intermediary.

Official no-examination sources

Effective from 2026-09-22.

Temporary health authority after disabled
No examination is required for this applicant pathway.
Application
Submit OCI 11-005, required background disclosures and employment history, and $75 per requested line of authority; noncitizens must provide work-eligibility evidence.
Discretionary unnamed exam
{"locator":"Wis. Stat. 628.09(3), unnamed discretionary examination","quote":"628.09(3)(3) Examinations. The commissioner may administer an examination as a prerequisite to the issuance of a temporary license.","reading":"The statute permits an unnamed examination. OCI’s exhaustive temporary-license checklist and current application identify no examination. The ordinary listed application is recorded as no_exam; the unnamed discretionary assessment remains an applicant condition.","source":"Wisconsin Statutes Chapter 628"}
Duration
No more than twelve months, no renewal or extension, and no continuation after disposition of the business.
Limitations
The Commissioner may limit authority, require a licensed intermediary or insurer sponsor assuming legal responsibility, or impose bonding or similar protections.
Purpose
Maintain the business for favorable sale of goodwill, recovery or return of the intermediary, or orderly training and licensing of new personnel.
Represented intermediary
Personal representative of a mentally disabled intermediary or a person designated by an otherwise disabled intermediary.

Official no-examination sources

Effective from 2026-09-22.

Temporary health authority after military
No examination is required for this applicant pathway.
Application
Submit OCI 11-005, required background disclosures and employment history, and $75 per requested line of authority; noncitizens must provide work-eligibility evidence.
Discretionary unnamed exam
{"locator":"Wis. Stat. 628.09(3), unnamed discretionary examination","quote":"628.09(3)(3) Examinations. The commissioner may administer an examination as a prerequisite to the issuance of a temporary license.","reading":"The statute permits an unnamed examination. OCI’s exhaustive temporary-license checklist and current application identify no examination. The ordinary listed application is recorded as no_exam; the unnamed discretionary assessment remains an applicant condition.","source":"Wisconsin Statutes Chapter 628"}
Duration
No more than twelve months, no renewal or extension, and no continuation after disposition of the business.
Limitations
The Commissioner may limit authority, require a licensed intermediary or insurer sponsor assuming legal responsibility, or impose bonding or similar protections.
Purpose
Maintain the business for favorable sale of goodwill, recovery or return of the intermediary, or orderly training and licensing of new personnel.
Represented intermediary
Person designated by an intermediary who has entered active duty in the U.S. Armed Forces.

Official no-examination sources

Effective from 2026-09-22.

Restoration of temporary authority after support related suspension
No examination is required for this applicant pathway.
Cure
Cure the suspension ground, complete the reinstatement application and pay the original licensure application fee.
Duration
Restoration does not extend the original temporary license beyond twelve months.
Prior suspension
Temporary health authority suspended for the support or process grounds in Wis. Stat. 628.10(2)(c).

Official no-examination sources

Effective from 2026-09-22.

Wisconsin Accident and Health or Sickness: General and State

Provider
PSI
Format
Closed-book computer examination
Exam questions
100 scored questions; additional unscored experimental questions may be administered
Time limit
2 hours
Passing score
70% correct
Exam fee
$75
Examination outline
  • 1.0 Insurance Regulation (35%)
    • 1.1 Licensing
    • 1.1 Licensing / Purpose (ch. 628 )
    • 1.1 Licensing / Persons required to be licensed
    • 1.1 Licensing / License Requirements
    • 1.1 Licensing / (2), s. Ins 6.59, s. Ins 6.59(4)(a),
    • 1.1 Licensing / Record keeping, maintenance, and duration
    • 1.1 Licensing / Renewal
    • 1.1 Licensing / Continuing education requirements
    • 1.1 Licensing / Reinstatement
    • 1.1 Licensing / Assumed name
    • 1.1 Licensing / Change of address or telephone number
    • 1.1 Licensing / Reporting of actions
    • 1.1 Licensing / Disciplinary actions
    • 1.1 Licensing / License termination, suspension, or revocation
    • 1.1 Licensing / Monetary forfeiture (fines)
    • 1.2 State Regulation
    • 1.2 State Regulation / Commissioner's general duties and powers
    • 1.2 State Regulation / Duties
    • 1.2 State Regulation / Hearings
    • 1.2 State Regulation / Penalties
    • 1.2 State Regulation / Wisconsin Insurance Security Fund
    • 1.2 State Regulation / Company regulation
    • 1.2 State Regulation / Solvency
    • 1.2 State Regulation / Responsibilities of the insurer
    • 1.2 State Regulation / Rates
    • 1.2 State Regulation / Use of Policy forms
    • 1.2 State Regulation / Readability
    • 1.2 State Regulation / Producer appointments/terminations
    • 1.2 State Regulation / Unfair claims, methods, and practices
    • 1.2 State Regulation / Notice of right to file complaint
    • 1.2 State Regulation / Producer regulation
    • 1.2 State Regulation / Fiduciary and trust account responsibilities
    • 1.2 State Regulation / Place of business/records maintenance
    • 1.2 State Regulation / Compensation of agents
    • 1.2 State Regulation / Controlled business
    • 1.2 State Regulation / Shared commissions
    • 1.2 State Regulation / Proper exchange of business
    • 1.2 State Regulation / Marketing practices
    • 1.2 State Regulation / Misrepresentation
    • 1.2 State Regulation / False advertising
    • 1.2 State Regulation / Rebating
    • 1.2 State Regulation / Unfair discrimination
    • 1.2 State Regulation / Boycott, coercion, or intimidation
    • 1.2 State Regulation / Illegal inducement
    • 1.2 State Regulation / Examination of records
    • 1.2 State Regulation / General statutes, rules, and regulations affecting insurance contracts
    • 1.2 State Regulation / Definitions
    • 1.2 State Regulation / Specific knowledge
    • 1.2 State Regulation / Misrepresentation/Warranties
    • 1.2 State Regulation / Knowledge and acts of the agent
    • 1.2 State Regulation / Certificates of Insurance
    • 1.2 State Regulation / Regulation of specific clauses in insurance contracts
    • 1.2 State Regulation / Cancellation
    • 1.2 State Regulation / Renewal/Nonrenewal
    • 1.2 State Regulation / Notice of proof of loss
    • 1.2 State Regulation / Payment of claims
    • 1.2 State Regulation / Privacy of Consumer Information
    • 1.3 Federal Regulation
    • 1.3 Federal Regulation / Fair Credit Reporting Act (15 USC 1681–1681d)
    • 1.3 Federal Regulation / Fraud and false statements (18 USC 1033, 1034)
    • 1.3 Federal Regulation / HIPAA
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Policy provisions
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Right to return a policy
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Right of insurer to contest
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Preexisting conditions
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Application responsibilities
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Grace period
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Disclosure requirements
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Continuation privileges
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Independent review
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Grievance
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Coverages
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Nurse practitioners
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Optometrists
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Chiropractic benefits
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Handicapped children
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Alcohol, drug abuse, mental, and nervous disorders
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Home care
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Skilled nursing facility
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Kidney disease
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Diabetes
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Newborn children
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Maternity benefits for dependent children
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Adopted children
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Grandchildren
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Mammograms
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Lead poisoning screening
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Temporomandibular joint disorders
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Hospital and ambulatory surgery center charges & anesthetics for dental care
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Autism spectrum
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Breast reconstruction
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Immunizations for children
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Student on medical leave
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Hearing aids, cochlear implants, and related treatment for infants and children
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Colorectal cancer screening
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Contraceptives and services
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Emergency medical services
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Prescription drugs and devices
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Experimental treatment
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Requirements relating to HIV
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Cancer clinical trials
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / 3.35, s. Ins 3.36, s. Ins 3.37 s. Ins 3.38, s. Ins 3.47, s. Ins 3.54, s. Ins 3.67(2) - (3)
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Prescription Eye Drops
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Oral and Injected Chemotherapy
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Step therapy protocols
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Marketing methods and practices
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Advertising
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Suitability
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Outline of coverage
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Policy replacement
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Interstate insurance product regulation compact
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Long-term care insurance
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Long-term care partnership program
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Agent training requirements
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Requirements for group health policies
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Special provisions
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Disclosure requirements
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Termination/nonrenewal regulation
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Fair marketing standards
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Medicare supplement
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Short-term medical policies
    • 1.4 Wisconsin statutes, rules, and regulations pertinent to disability (A&H) insurance / Interstate insurance product regulation compact
  • 2.0 General Insurance (10%)
    • 2.1 Concepts
    • 2.1 Concepts / Risk management key terms
    • 2.1 Concepts / Risk
    • 2.1 Concepts / Exposure
    • 2.1 Concepts / Hazard
    • 2.1 Concepts / Peril
    • 2.1 Concepts / Loss
    • 2.1 Concepts / Methods of handling risk
    • 2.1 Concepts / Avoidance
    • 2.1 Concepts / Retention
    • 2.1 Concepts / Sharing
    • 2.1 Concepts / Reduction
    • 2.1 Concepts / 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 / Stock companies
    • 2.2 Insurers / Mutual companies
    • 2.2 Insurers / Fraternal benefit societies
    • 2.2 Insurers / Reciprocals
    • 2.2 Insurers / Lloyd's associations
    • 2.2 Insurers / Risk retention groups
    • 2.2 Insurers / Private versus government insurers
    • 2.2 Insurers / Admitted versus nonadmitted insurers
    • 2.2 Insurers / Domestic, foreign and alien insurers
    • 2.2 Insurers / Financial status (independent rating services)
    • 2.2 Insurers / Marketing (distribution) systems
    • 2.3 Producers and general rules of agency
    • 2.3 Producers and general rules of agency / Insurer as principal
    • 2.3 Producers and general rules of agency / Producer/insurer relationship
    • 2.3 Producers and general rules of agency / Authority and powers of producer
    • 2.3 Producers and general rules of agency / Express
    • 2.3 Producers and general rules of agency / Implied
    • 2.3 Producers and general rules of agency / Apparent
    • 2.3 Producers and general rules of agency / The law of agency
    • 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 / Offer and acceptance
    • 2.4 Contracts / Consideration
    • 2.4 Contracts / Competent parties
    • 2.4 Contracts / Legal purpose
    • 2.4 Contracts / Distinct characteristics of an insurance contract
    • 2.4 Contracts / Contract of adhesion
    • 2.4 Contracts / Aleatory contract
    • 2.4 Contracts / Personal contract
    • 2.4 Contracts / Unilateral contract
    • 2.4 Contracts / Conditional contract
    • 2.4 Contracts / Legal interpretations affecting contracts
    • 2.4 Contracts / Ambiguities in a contract of adhesion
    • 2.4 Contracts / Reasonable expectations
    • 2.4 Contracts / Indemnity
    • 2.4 Contracts / Utmost good faith
    • 2.4 Contracts / Representations/misrepresentations
    • 2.4 Contracts / Warranties
    • 2.4 Contracts / Concealment
    • 2.4 Contracts / Fraud
    • 2.4 Contracts / Waiver and estoppel
  • 3.0 Accident and Health Insurance Basics (8%)
    • 3.1 Definitions of perils
    • 3.1 Definitions of perils / Accidental injury
    • 3.1 Definitions of perils / Sickness, medical necessity and emergency
    • 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
    • 3.3 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 / Self-funded vs fully insured
    • 3.3 Classes of health insurance policies / Limited versus comprehensive
    • 3.3 Classes of health insurance policies / Employer group versus association group
    • 3.4 Limited policies
    • 3.4 Limited policies / Limited coverage and amounts
    • 3.4 Limited policies / Required notice to insured
    • 3.4 Limited policies / Types of limited policies
    • 3.4 Limited policies / Accident-only
    • 3.4 Limited policies / Specified (dread) disease
    • 3.4 Limited policies / Hospital indemnity (income)
    • 3.4 Limited policies / Credit disability
    • 3.4 Limited policies / Blanket insurance (teams, passengers, other)
    • 3.4 Limited policies / Prescription drugs
    • 3.4 Limited policies / Vision care
    • 3.4 Limited policies / Hearing
    • 3.4 Limited policies / Dental
    • 3.5 Common exclusions from coverage
    • 3.6 Licensee responsibilities in individual health insurance
    • 3.6 Licensee responsibilities in individual health insurance / Marketing requirements
    • 3.6 Licensee responsibilities in individual health insurance / Advertising
    • 3.6 Licensee responsibilities in individual health insurance / Wisconsin Insurance Security Fund
    • 3.6 Licensee responsibilities in individual health insurance / Sales presentations
    • 3.6 Licensee responsibilities in individual health insurance / Outline of coverage
    • 3.6 Licensee responsibilities in individual health insurance / Compensation disclosure
    • 3.6 Licensee responsibilities in individual health insurance / Underwriting
    • 3.6 Licensee responsibilities in individual health insurance / Nature and purpose
    • 3.6 Licensee responsibilities in individual health insurance / Employee waiver form
    • 3.6 Licensee responsibilities in individual health insurance / Disclosure of information about individuals
    • 3.6 Licensee responsibilities in individual health insurance / Application procedures
    • 3.6 Licensee responsibilities in individual health insurance / Warranties and Representations
    • 3.6 Licensee responsibilities in individual health insurance / Requirements at delivery of policy
    • 3.6 Licensee responsibilities in individual health insurance / Effective date of coverage
    • 3.6 Licensee responsibilities in individual health insurance / Policy review
    • 3.6 Licensee responsibilities in individual health insurance / Premium collection
    • 3.6 Licensee responsibilities in individual health insurance / Statement of good health
    • 3.6 Licensee responsibilities in individual health insurance / Individual and small employer health insurance application
    • 3.6 Licensee responsibilities in individual health insurance / Common situations for errors/omissions
    • 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 / Application
    • 3.7 Individual underwriting by the insurer / Licensee report
    • 3.7 Individual underwriting by the insurer / Attending physician statement
    • 3.7 Individual underwriting by the insurer / Investigative consumer (inspection) report
    • 3.7 Individual underwriting by the insurer / Medical Information Bureau (MIB)
    • 3.7 Individual underwriting by the insurer / Medical examinations and lab tests (including HIV consent)
    • 3.7 Individual underwriting by the insurer / Unfair discrimination
    • 3.7 Individual underwriting by the insurer / Genetic Information and Nondiscrimination Act of 2008 (GINA)
    • 3.7 Individual underwriting by the insurer / Classification of risks
    • 3.7 Individual underwriting by the insurer / Preferred
    • 3.7 Individual underwriting by the insurer / Standard
    • 3.7 Individual underwriting by the insurer / Substandard
    • 3.8 Considerations in replacing accident and health insurance
    • 3.8 Considerations in replacing accident and health insurance / Pre-existing conditions
    • 3.8 Considerations in replacing accident and health insurance / Benefits, limitations and exclusions
    • 3.8 Considerations in replacing accident and health insurance / Underwriting requirements
    • 3.8 Considerations in replacing accident and health insurance / Licensee liability for errors and omissions
    • 3.8 Considerations in replacing accident and health insurance / Required notification
    • 3.9 Other required, uniform and general provisions
    • 3.9 Other required, uniform and general provisions / Incontestability
    • 3.9 Other required, uniform and general provisions / Grace period
    • 3.9 Other required, uniform and general provisions / Reinstatement
    • 3.9 Other required, uniform and general provisions / Claim procedures
    • 3.9 Other required, uniform and general provisions / Claim forms
    • 3.9 Other required, uniform and general provisions / Time of payment of claims
    • 3.9 Other required, uniform and general provisions / Notice of claim
    • 3.9 Other required, uniform and general provisions / Proof of Loss
    • 3.9 Other required, uniform and general provisions / Change of occupation
    • 3.9 Other required, uniform and general provisions / Misstatement of age
    • 3.9 Other required, uniform and general provisions / Coordination of benefits
    • 3.9 Other required, uniform and general provisions / Right to examine (free look)
    • 3.9 Other required, uniform and general provisions / Rights of spouse - continuation
    • 3.9 Other required, uniform and general provisions / Insuring clause
    • 3.9 Other required, uniform and general provisions / Consideration clause
    • 3.9 Other required, uniform and general provisions / Entire contract; changes
    • 3.9 Other required, uniform and general provisions / Physical examinations and autopsy
    • 3.9 Other required, uniform and general provisions / Legal actions
    • 3.9 Other required, uniform and general provisions / Unpaid premium
    • 3.9 Other required, uniform and general provisions / Conformity with state statutes
    • 3.9 Other required, uniform and general provisions / Illegal occupation
    • 3.9 Other required, uniform and general provisions / Coinsurance
    • 3.9 Other required, uniform and general provisions / Probationary period
    • 3.9 Other required, uniform and general provisions / Elimination period
    • 3.9 Other required, uniform and general provisions / Exclusions
    • 3.9 Other required, uniform and general provisions / Renewability clause
    • 3.9 Other required, uniform and general provisions / Noncancelable
    • 3.9 Other required, uniform and general provisions / Guaranteed renewable
    • 3.9 Other required, uniform and general provisions / Conditionally renewable
    • 3.9 Other required, uniform and general provisions / Renewable at option of insurer
    • 3.9 Other required, uniform and general provisions / Nonrenewable (cancelable, term)
  • 4.0 Disability Income and Related Insurance (8%)
    • 4.1 Qualifying for disability benefits
    • 4.1 Qualifying for disability benefits / Inability to perform duties
    • 4.1 Qualifying for disability benefits / Own occupation
    • 4.1 Qualifying for disability benefits / Any occupation
    • 4.1 Qualifying for disability benefits / Recurrent
    • 4.1 Qualifying for disability benefits / Residual
    • 4.1 Qualifying for disability benefits / Loss of income (income replacement contracts)
    • 4.1 Qualifying for disability benefits / Definition of total disability
    • 4.1 Qualifying for disability benefits / Presumptive disability
    • 4.1 Qualifying for disability benefits / Requirement to be under physician care
    • 4.2 Individual disability income insurance
    • 4.2 Individual disability income insurance / Basic total disability plan
    • 4.2 Individual disability income insurance / Income benefits (monthly indemnity)
    • 4.2 Individual disability income insurance / Elimination and benefit periods
    • 4.2 Individual disability income insurance / Waiver of premium feature
    • 4.2 Individual disability income insurance / Probationary period
    • 4.2 Individual disability income insurance / Coordination with social insurance and workers compensation benefits
    • 4.2 Individual disability income insurance / Additional monthly benefit (AMB)
    • 4.2 Individual disability income insurance / Social insurance supplement (SIS)
    • 4.2 Individual disability income insurance / Occupational versus nonoccupational coverage
    • 4.2 Individual disability income insurance / At-work benefits
    • 4.2 Individual disability income insurance / Partial disability benefit
    • 4.2 Individual disability income insurance / Residual disability benefit
    • 4.2 Individual disability income insurance / Other provisions affecting income benefits
    • 4.2 Individual disability income insurance / Cost of living adjustment (COLA) rider
    • 4.2 Individual disability income insurance / Future increase option (FIO) rider
    • 4.2 Individual disability income insurance / Relation of earnings to insurance
    • 4.2 Individual disability income insurance / Other cash benefits
    • 4.2 Individual disability income insurance / Accidental death and dismemberment
    • 4.2 Individual disability income insurance / Rehabilitation benefit
    • 4.2 Individual disability income insurance / Medical reimbursement benefit (nondisabling injury)
    • 4.2 Individual disability income insurance / Refund provisions
    • 4.2 Individual disability income insurance / Return of premium
    • 4.2 Individual disability income insurance / Cash surrender value
    • 4.2 Individual disability income insurance / Exclusions
    • 4.3 Unique aspects of individual disability underwriting
    • 4.3 Unique aspects of individual disability underwriting / Occupational considerations
    • 4.3 Unique aspects of individual disability underwriting / Benefit limits
    • 4.3 Unique aspects of individual disability underwriting / Policy issuance alternatives
    • 4.3 Unique aspects of individual disability underwriting / Rating system for life; Issue the policy rated up; issue policy with exclusion; decline the policy
    • 4.4 Group disability income insurance
    • 4.4 Group disability income insurance / Group versus individual plans
    • 4.4 Group disability income insurance / Short-term disability (STD)
    • 4.4 Group disability income insurance / Long-term disability (LTD)
    • 4.4 Group disability income insurance / Coordinaton of benefits (Workers' compenstion benefits and social insurance)
    • 4.5 Social Security disability
    • 4.5 Social Security disability / Qualification for disability benefits
    • 4.5 Social Security disability / Definition of disability
    • 4.5 Social Security disability / Waiting period
    • 4.5 Social Security disability / Disability income benefits
  • 5.0 Medical Plans (8%)
    • 5.1 Medical plan concepts
    • 5.1 Medical plan concepts / Fee-for-service basis versus prepaid basis
    • 5.1 Medical plan concepts / Specified coverages versus comprehensive care
    • 5.1 Medical plan concepts / Benefit schedule versus usual/reasonable/customary charges
    • 5.1 Medical plan concepts / Any provider versus limited choice of providers
    • 5.1 Medical plan concepts / Insureds versus subscribers/participants
    • 5.1 Medical plan concepts / Dependent coverage
    • 5.1 Medical plan concepts / Provisions and Clauses
    • 5.1 Medical plan concepts / Deductibles
    • 5.1 Medical plan concepts / Stop-Loss Provision in relation to out-of-pocket expenses
    • 5.2 Types of providers and plans
    • 5.2 Types of providers and plans / Major medical insurance (indemnity plans)
    • 5.2 Types of providers and plans / Characteristics
    • 5.2 Types of providers and plans / Common limitations
    • 5.2 Types of providers and plans / Exclusions from coverage
    • 5.2 Types of providers and plans / Provisions affecting cost to insured
    • 5.2 Types of providers and plans / Defined contribution plans
    • 5.2 Types of providers and plans / Health maintenance organizations (HMOs)
    • 5.2 Types of providers and plans / General characteristics
    • 5.2 Types of providers and plans / Preventive care services
    • 5.2 Types of providers and plans / Primary care physician versus referral (specialty) physician
    • 5.2 Types of providers and plans / Emergency care
    • 5.2 Types of providers and plans / Hospital services
    • 5.2 Types of providers and plans / Other basic services
    • 5.2 Types of providers and plans / Preferred provider organizations (PPOs)
    • 5.2 Types of providers and plans / General characteristics
    • 5.2 Types of providers and plans / Limited health plans
    • 5.2 Types of providers and plans / Open panel or closed panel
    • 5.2 Types of providers and plans / Types of parties to the provider contract
    • 5.3 Cost containment in health care delivery
    • 5.3 Cost containment in health care delivery / Cost-saving services
    • 5.3 Cost containment in health care delivery / Managed Care
    • 5.3 Cost containment in health care delivery / Preventive care
    • 5.3 Cost containment in health care delivery / Hospital outpatient benefits
    • 5.3 Cost containment in health care delivery / Alternatives to hospital services
    • 5.3 Cost containment in health care delivery / Maternity stay minimum limits
    • 5.3 Cost containment in health care delivery / Preauthorization
    • 5.3 Cost containment in health care delivery / Gatekeeper
    • 5.3 Cost containment in health care delivery / Utilization management
    • 5.3 Cost containment in health care delivery / Prospective review
    • 5.3 Cost containment in health care delivery / Concurrent review
    • 5.4 State requirements (individual and group)
    • 5.4 State requirements (individual and group) / Eligibility requirements
    • 5.4 State requirements (individual and group) / Newborn child coverage
    • 5.4 State requirements (individual and group) / Dependent child age limit
    • 5.4 State requirements (individual and group) / Court ordered dependency coverage
    • 5.4 State requirements (individual and group) / Eligibility of dependent children not based solely on residency
    • 5.4 State requirements (individual and group) / Policy extension for handicapped children
    • 5.4 State requirements (individual and group) / Adoptions
    • 5.4 State requirements (individual and group) / Federal health care reform required dependent coverage
    • 5.4 State requirements (individual and group) / Grandchildren
    • 5.4 State requirements (individual and group) / Benefit offers
    • 5.4 State requirements (individual and group) / Substance abuse coverage
    • 5.5 HIPAA (Health Insurance Portability and Accountability Act) requirements
    • 5.5 HIPAA (Health Insurance Portability and Accountability Act) requirements / Eligibility
    • 5.5 HIPAA (Health Insurance Portability and Accountability Act) requirements / Terms
    • 5.5 HIPAA (Health Insurance Portability and Accountability Act) requirements / Privacy
    • 5.5 HIPAA (Health Insurance Portability and Accountability Act) requirements / Guaranteed issue
    • 5.5 HIPAA (Health Insurance Portability and Accountability Act) requirements / Creditable coverage
    • 5.5 HIPAA (Health Insurance Portability and Accountability Act) requirements / Renewability
    • 5.6 Health Savings Accounts (HSAs) and Health Reimbursement Accounts (HRAs)
    • 5.6 Health Savings Accounts (HSAs) and Health Reimbursement Accounts (HRAs) / Definition
    • 5.6 Health Savings Accounts (HSAs) and Health Reimbursement Accounts (HRAs) / Eligibility
    • 5.6 Health Savings Accounts (HSAs) and Health Reimbursement Accounts (HRAs) / Contribution limits
    • 5.6 Health Savings Accounts (HSAs) and Health Reimbursement Accounts (HRAs) / Portability
    • 5.7 Federal Health Care Reform (Affordable Care Act)
    • 5.7 Federal Health Care Reform (Affordable Care Act) / Major Provisions
    • 5.7 Federal Health Care Reform (Affordable Care Act) / Market wide reforms
    • 5.7 Federal Health Care Reform (Affordable Care Act) / Guarantee issue
    • 5.7 Federal Health Care Reform (Affordable Care Act) / Essential Health Benefits
    • 5.7 Federal Health Care Reform (Affordable Care Act) / No annual limits for essential benefits
    • 5.7 Federal Health Care Reform (Affordable Care Act) / Coverage for pre-existing conditions
    • 5.7 Federal Health Care Reform (Affordable Care Act) / All plans have certain levels of coverage (platinum, gold, silver, bronze, catastrophic)
    • 5.8 Health Insurance Exchange
    • 5.8 Health Insurance Exchange / Individual exchange
    • 5.8 Health Insurance Exchange / Qualified health plan certification
    • 5.8 Health Insurance Exchange / Premium tax credits which may be taken in advance
    • 5.8 Health Insurance Exchange / Reduced cost sharing if silver plan is purchased
    • 5.8 Health Insurance Exchange / Opportunity to purchase through the federal exchange call center, online or mail
    • 5.8 Health Insurance Exchange / Comparison shopping tools
    • 5.8 Health Insurance Exchange / Single application
  • 6.0 Group Accident and Health Insurance (8%)
    • 6.1 Characteristics of group insurance
    • 6.1 Characteristics of group insurance / Group contract
    • 6.1 Characteristics of group insurance / Certificate of coverage
    • 6.1 Characteristics of group insurance / Experience rating versus community rating
    • 6.1 Characteristics of group insurance / Contributory versus noncontributory
    • 6.2 Types of eligible groups
    • 6.2 Types of eligible groups / Employment-related groups
    • 6.2 Types of eligible groups / Individual employer groups
    • 6.2 Types of eligible groups / Multiple-Employer Trusts (METs) or Welfare Arrangements (MEWAs)
    • 6.2 Types of eligible groups / Associations (alumni, professional, other)
    • 6.2 Types of eligible groups / Customer groups (depositors, creditor-debtor, other)
    • 6.2 Types of eligible groups / Discretionary groups
    • 6.3 Marketing considerations
    • 6.3 Marketing considerations / Advertising
    • 6.3 Marketing considerations / Unfair inducements
    • 6.3 Marketing considerations / Regulatory jurisdiction/place of delivery
    • 6.4 Employer group health insurance
    • 6.4 Employer group health insurance / Insurer underwriting criteria
    • 6.4 Employer group health insurance / Characteristics of group
    • 6.4 Employer group health insurance / Plan design factors
    • 6.4 Employer group health insurance / Persistency factors
    • 6.4 Employer group health insurance / Administrative capability
    • 6.4 Employer group health insurance / Eligibility for insurance
    • 6.4 Employer group health insurance / Annual open enrollment
    • 6.4 Employer group health insurance / Probationary period
    • 6.4 Employer group health insurance / Employee eligibility
    • 6.4 Employer group health insurance / Dependent eligibility
    • 6.4 Employer group health insurance / Coordination of benefits provision
    • 6.4 Employer group health insurance / Change of insurance companies or loss of coverage
    • 6.4 Employer group health insurance / Coinsurance and deductible carryover
    • 6.4 Employer group health insurance / No-loss no-gain
    • 6.4 Employer group health insurance / Events that terminate coverage
    • 6.4 Employer group health insurance / Continuation of coverage under COBRA
    • 6.4 Employer group health insurance / Eligibility
    • 6.4 Employer group health insurance / Duration of Coverage
    • 6.4 Employer group health insurance / Premium
    • 6.4 Employer group health insurance / State continuation
    • 6.4 Employer group health insurance / Reinstatement of coverage for military personnel
    • 6.5 Small employer medical plans
    • 6.5 Small employer medical plans / Definition of small employer
    • 6.5 Small employer medical plans / Availability of coverage
    • 6.5 Small employer medical plans / Rating of small employer plans
    • 6.5 Small employer medical plans / Benefit choices
    • 6.5 Small employer medical plans / Defined contribution arrangement market
    • 6.5 Small employer medical plans / Renewability of coverage
    • 6.5 Small employer medical plans / Participation requirements
    • 6.5 Small employer medical plans / Open enrollment
    • 6.6 Regulation of employer group insurance plans
    • 6.6 Regulation of employer group insurance plans / Employee Retirement Income Security Act (ERISA)
    • 6.6 Regulation of employer group insurance plans / Applicability
    • 6.6 Regulation of employer group insurance plans / Fiduciary responsibilities
    • 6.6 Regulation of employer group insurance plans / Reporting and disclosure
    • 6.6 Regulation of employer group insurance plans / Age Discrimination in Employment Act (ADEA)
    • 6.6 Regulation of employer group insurance plans / Applicability to employers and workers
    • 6.6 Regulation of employer group insurance plans / Permitted reductions in insured benefits
    • 6.6 Regulation of employer group insurance plans / Permitted increases in employee contributions
    • 6.6 Regulation of employer group insurance plans / Requirements for medical expense coverage
    • 6.6 Regulation of employer group insurance plans / Civil Rights Act/Pregnancy Discrimination Act
    • 6.6 Regulation of employer group insurance plans / Applicability
    • 6.6 Regulation of employer group insurance plans / Guidelines
    • 6.6 Regulation of employer group insurance plans / Relationship with Medicare
    • 6.6 Regulation of employer group insurance plans / Medicare secondary rules
    • 6.6 Regulation of employer group insurance plans / Medicare carve-outs and supplements
    • 6.6 Regulation of employer group insurance plans / Nondiscrimination rules (highly-compensated)
    • 6.7 Types of funding and administration
    • 6.7 Types of funding and administration / Conventional fully-insured plans
    • 6.7 Types of funding and administration / Fully self-funded (self-administered) plans
    • 6.7 Types of funding and administration / Characteristics
    • 6.7 Types of funding and administration / Conditions suitable for self-funding
    • 6.7 Types of funding and administration / Benefits suitable for self-funding
  • 7.0 Dental Insurance (4%)
    • 7.1 Categories of dental treatment
    • 7.1 Categories of dental treatment / Diagnostic and preventive
    • 7.1 Categories of dental treatment / Restorative
    • 7.1 Categories of dental treatment / Oral surgery
    • 7.1 Categories of dental treatment / Endodontics
    • 7.1 Categories of dental treatment / Periodontics
    • 7.1 Categories of dental treatment / Prosthodontics
    • 7.1 Categories of dental treatment / Orthodontics
    • 7.2 Indemnity plans
    • 7.2 Indemnity plans / Choice of providers
    • 7.2 Indemnity plans / Scheduled versus nonscheduled plans
    • 7.2 Indemnity plans / Benefit categories
    • 7.2 Indemnity plans / Diagnostic/preventive services
    • 7.2 Indemnity plans / Basic services
    • 7.2 Indemnity plans / Major services
    • 7.2 Indemnity plans / Deductibles and coinsurance
    • 7.2 Indemnity plans / Combination plans
    • 7.2 Indemnity plans / Exclusions
    • 7.2 Indemnity plans / Limitations
    • 7.2 Indemnity plans / Predetermination of benefits
    • 7.3 Employer group dental expense
    • 7.3 Employer group dental expense / Integrated deductibles versus stand-alone plans
    • 7.3 Employer group dental expense / Minimizing adverse selection
  • 8.0 Medicare (8%)
    • 8.1 Medicare standard policies
    • 8.1 Medicare standard policies / Nature, financing and administration
    • 8.1 Medicare standard policies / Part A — Hospital Insurance
    • 8.1 Medicare standard policies / Individual eligibility requirements
    • 8.1 Medicare standard policies / Enrollment
    • 8.1 Medicare standard policies / Coverages and cost-sharing amounts
    • 8.1 Medicare standard policies / Part B — Medical Insurance
    • 8.1 Medicare standard policies / Individual eligibility requirements
    • 8.1 Medicare standard policies / Enrollment
    • 8.1 Medicare standard policies / Coverages and cost-sharing amounts
    • 8.1 Medicare standard policies / Exclusions
    • 8.1 Medicare standard policies / Claims terminology and other key terms
    • 8.1 Medicare standard policies / Part C — Medicare Advantage
    • 8.1 Medicare standard policies / Part D — Prescription Drug Insurance
    • 8.2 Medicare supplement
    • 8.2 Medicare supplement / Purpose
    • 8.2 Medicare supplement / Open enrollment
    • 8.2 Medicare supplement / Standardized Medicare supplement plans
    • 8.2 Medicare supplement / Core benefits
    • 8.2 Medicare supplement / Additional benefits
    • 8.2 Medicare supplement / Regulations and required provisions
    • 8.2 Medicare supplement / Standards for marketing
    • 8.2 Medicare supplement / Advertising
    • 8.2 Medicare supplement / Appropriateness of recommended purchase and excessive insurance
    • 8.2 Medicare supplement / Right to return (free look)
    • 8.2 Medicare supplement / Replacement
    • 8.2 Medicare supplement / Pre-existing conditions
    • 8.2 Medicare supplement / Required disclosure provisions
    • 8.2 Medicare supplement / Outline of coverage
    • 8.2 Medicare supplement / Guide to Health Insurance for People with Medicare
    • 8.2 Medicare supplement / Permitted compensation
    • 8.2 Medicare supplement / New plans effective January 1, 2020
    • 8.3 Other options for individuals with Medicare
    • 8.3 Other options for individuals with Medicare / Employer group health plans
    • 8.3 Other options for individuals with Medicare / Disabled employees
    • 8.3 Other options for individuals with Medicare / Employees with kidney failure (End Stage Renal Disease) (ESRD)
    • 8.3 Other options for individuals with Medicare / Individuals age 65 and older
    • 8.3 Other options for individuals with Medicare / Medicaid
    • 8.3 Other options for individuals with Medicare / Eligibility
    • 8.3 Other options for individuals with Medicare / Benefits
    • 8.4 Medicare Access and CHIP Reauthorization Act of 2015 (MACRA)
  • 9.0 Long-Term Care Insurance (8%)
    • 9.1 Long-term care (LTC) policies
    • 9.1 Long-term care (LTC) policies / Eligibility for benefits
    • 9.1 Long-term care (LTC) policies / Levels of care
    • 9.1 Long-term care (LTC) policies / Skilled care
    • 9.1 Long-term care (LTC) policies / Intermediate care
    • 9.1 Long-term care (LTC) policies / Custodial care
    • 9.1 Long-term care (LTC) policies / Home health care
    • 9.1 Long-term care (LTC) policies / Adult day care
    • 9.1 Long-term care (LTC) policies / Respite care
    • 9.1 Long-term care (LTC) policies / Benefit periods
    • 9.1 Long-term care (LTC) policies / Benefit amounts
    • 9.1 Long-term care (LTC) policies / Optional benefits
    • 9.1 Long-term care (LTC) policies / Guarantee of insurability
    • 9.1 Long-term care (LTC) policies / Return of premium
    • 9.1 Long-term care (LTC) policies / Tax Qualified LTC plans
    • 9.1 Long-term care (LTC) policies / Exclusions
    • 9.1 Long-term care (LTC) policies / Underwriting considerations
    • 9.1 Long-term care (LTC) policies / Regulations and required provisions
    • 9.1 Long-term care (LTC) policies / Standards for marketing
    • 9.1 Long-term care (LTC) policies / Advertising
    • 9.1 Long-term care (LTC) policies / Shopper's guide
    • 9.1 Long-term care (LTC) policies / Outline of coverage
    • 9.1 Long-term care (LTC) policies / Appropriateness of recommended purchase
    • 9.1 Long-term care (LTC) policies / Right to return (free look)
    • 9.1 Long-term care (LTC) policies / Replacement
    • 9.1 Long-term care (LTC) policies / Renewal provisions
    • 9.1 Long-term care (LTC) policies / Continuation or conversion
    • 9.1 Long-term care (LTC) policies / Required disclosure provisions
    • 9.1 Long-term care (LTC) policies / Inflation protection
    • 9.1 Long-term care (LTC) policies / Pre-existing conditions
    • 9.1 Long-term care (LTC) policies / Protection against unintentional lapse
    • 9.1 Long-term care (LTC) policies / Prohibited provisions
    • 9.1 Long-term care (LTC) policies / Rate disclosure form
  • 10.0 Federal Tax Considerations for Accident and Health Insurance (3%)
    • 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
    • 10.1 Personally-owned health insurance / Flexible Spending Accounts (FSAs)
    • 10.1 Personally-owned health insurance / High Deductible Health Plans (HDHPs)
    • 10.2 Employer group health insurance
    • 10.2 Employer group health insurance / Disability income (STD, LTD)
    • 10.2 Employer group health insurance / Benefits subject to FICA
    • 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
    • 10.2 Employer group health insurance / Flexible Spending Accounts (FSAs)
    • 10.2 Employer group health insurance / High Deductible Health Plans (HDHPs)
    • 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 / Buy-sell policy
    • 10.4 Business disability insurance / Business overhead expense
    • 10.5 Health Savings Accounts (HSAs) and Health Reimbursement Accounts (HRAs)
Examination sources