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Iowa Property & Casualty Insurance — Requirements & Free Practice

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Insurance Producer

Individual producer license for property, casualty, personal lines, excess and surplus lines, and the related crop, credit and surety authorities. These are lines on the same producer license, not invented license types. Life and health-only authorities, adjusters, appraisers, navigators and viatical settlement brokers are outside the requested property/casualty profession.

Licensing authority: Iowa Insurance Division · Application information

Disciplinary reinstatement — casualty
Iowa Casualty Insurance Licensing Examination
Affected authority
casualty
Application
File the Iowa Insurance Producer Application for Reinstatement or Reissuance After Disciplinary Action; meet r.10.4 requirements including the 90-day examination-result limit and required criminal history check.
Case specific discretion
The commissioner may impose terms in the reinstatement or reissuance order; those terms and any applicant exemption remain conditions.
Licensing order
License suspended, revoked or forfeited in connection with a disciplinary matter; comply with the applicable order and establish that the grounds no longer exist and that relief is in the public interest.
New or renewal form
The Division may also require a NIPR new or renewal application and fees.
Waiting period
Comply with the order; absent specified terms, generally wait at least one year under r.10.10(2)(f). Suspended licenses cannot be reinstated before the suspension period ends.
Disciplinary reinstatement — credit
Credit (practice unavailable)
Affected authority
credit
Application
File the Iowa Insurance Producer Application for Reinstatement or Reissuance After Disciplinary Action; meet r.10.4 requirements including the 90-day examination-result limit and required criminal history check.
Case specific discretion
The commissioner may impose terms in the reinstatement or reissuance order; those terms and any applicant exemption remain conditions.
Licensing order
License suspended, revoked or forfeited in connection with a disciplinary matter; comply with the applicable order and establish that the grounds no longer exist and that relief is in the public interest.
New or renewal form
The Division may also require a NIPR new or renewal application and fees.
Waiting period
Comply with the order; absent specified terms, generally wait at least one year under r.10.10(2)(f). Suspended licenses cannot be reinstated before the suspension period ends.
Disciplinary reinstatement — crop
Crop (practice unavailable)
Affected authority
crop
Application
File the Iowa Insurance Producer Application for Reinstatement or Reissuance After Disciplinary Action; meet r.10.4 requirements including the 90-day examination-result limit and required criminal history check.
Case specific discretion
The commissioner may impose terms in the reinstatement or reissuance order; those terms and any applicant exemption remain conditions.
Licensing order
License suspended, revoked or forfeited in connection with a disciplinary matter; comply with the applicable order and establish that the grounds no longer exist and that relief is in the public interest.
New or renewal form
The Division may also require a NIPR new or renewal application and fees.
Waiting period
Comply with the order; absent specified terms, generally wait at least one year under r.10.10(2)(f). Suspended licenses cannot be reinstated before the suspension period ends.
Disciplinary reinstatement — personal lines
Personal Lines (practice unavailable)
Affected authority
personal lines
Application
File the Iowa Insurance Producer Application for Reinstatement or Reissuance After Disciplinary Action; meet r.10.4 requirements including the 90-day examination-result limit and required criminal history check.
Case specific discretion
The commissioner may impose terms in the reinstatement or reissuance order; those terms and any applicant exemption remain conditions.
Licensing order
License suspended, revoked or forfeited in connection with a disciplinary matter; comply with the applicable order and establish that the grounds no longer exist and that relief is in the public interest.
New or renewal form
The Division may also require a NIPR new or renewal application and fees.
Waiting period
Comply with the order; absent specified terms, generally wait at least one year under r.10.10(2)(f). Suspended licenses cannot be reinstated before the suspension period ends.
Disciplinary reinstatement — property
Property (practice unavailable)
Affected authority
property
Application
File the Iowa Insurance Producer Application for Reinstatement or Reissuance After Disciplinary Action; meet r.10.4 requirements including the 90-day examination-result limit and required criminal history check.
Case specific discretion
The commissioner may impose terms in the reinstatement or reissuance order; those terms and any applicant exemption remain conditions.
Licensing order
License suspended, revoked or forfeited in connection with a disciplinary matter; comply with the applicable order and establish that the grounds no longer exist and that relief is in the public interest.
New or renewal form
The Division may also require a NIPR new or renewal application and fees.
Waiting period
Comply with the order; absent specified terms, generally wait at least one year under r.10.10(2)(f). Suspended licenses cannot be reinstated before the suspension period ends.
Disciplinary reinstatement — property and casualty

All of the following:

Affected authority
property and casualty
Application
File the Iowa Insurance Producer Application for Reinstatement or Reissuance After Disciplinary Action; meet r.10.4 requirements including the 90-day examination-result limit and required criminal history check.
Case specific discretion
The commissioner may impose terms in the reinstatement or reissuance order; those terms and any applicant exemption remain conditions.
Licensing order
License suspended, revoked or forfeited in connection with a disciplinary matter; comply with the applicable order and establish that the grounds no longer exist and that relief is in the public interest.
New or renewal form
The Division may also require a NIPR new or renewal application and fees.
Waiting period
Comply with the order; absent specified terms, generally wait at least one year under r.10.10(2)(f). Suspended licenses cannot be reinstated before the suspension period ends.
Disciplinary reinstatement — surety
Surety (practice unavailable)
Affected authority
surety
Application
File the Iowa Insurance Producer Application for Reinstatement or Reissuance After Disciplinary Action; meet r.10.4 requirements including the 90-day examination-result limit and required criminal history check.
Case specific discretion
The commissioner may impose terms in the reinstatement or reissuance order; those terms and any applicant exemption remain conditions.
Licensing order
License suspended, revoked or forfeited in connection with a disciplinary matter; comply with the applicable order and establish that the grounds no longer exist and that relief is in the public interest.
New or renewal form
The Division may also require a NIPR new or renewal application and fees.
Waiting period
Comply with the order; absent specified terms, generally wait at least one year under r.10.10(2)(f). Suspended licenses cannot be reinstated before the suspension period ends.
Disciplinary reinstatement — surplus

All of the following:

  • Excess & Surplus Lines (practice unavailable)

  • At least one of the following alternatives:

Affected authority
surplus
Application
File the Iowa Insurance Producer Application for Reinstatement or Reissuance After Disciplinary Action; meet r.10.4 requirements including the 90-day examination-result limit and required criminal history check.
Case specific discretion
The commissioner may impose terms in the reinstatement or reissuance order; those terms and any applicant exemption remain conditions.
Licensing order
License suspended, revoked or forfeited in connection with a disciplinary matter; comply with the applicable order and establish that the grounds no longer exist and that relief is in the public interest.
New or renewal form
The Division may also require a NIPR new or renewal application and fees.
Waiting period
Comply with the order; absent specified terms, generally wait at least one year under r.10.10(2)(f). Suspended licenses cannot be reinstated before the suspension period ends.
Disciplinary reissuance — casualty
Iowa Casualty Insurance Licensing Examination
Affected authority
casualty
Application
File the Iowa Insurance Producer Application for Reinstatement or Reissuance After Disciplinary Action; meet r.10.4 requirements including the 90-day examination-result limit and required criminal history check.
Case specific discretion
The commissioner may impose terms in the reinstatement or reissuance order; those terms and any applicant exemption remain conditions.
Licensing order
License suspended, revoked or forfeited in connection with a disciplinary matter; comply with the applicable order and establish that the grounds no longer exist and that relief is in the public interest.
New or renewal form
The Division may also require a NIPR new or renewal application and fees.
Waiting period
Comply with the order; absent specified terms, generally wait at least one year under r.10.10(2)(f). Suspended licenses cannot be reinstated before the suspension period ends.
Disciplinary reissuance — credit
Credit (practice unavailable)
Affected authority
credit
Application
File the Iowa Insurance Producer Application for Reinstatement or Reissuance After Disciplinary Action; meet r.10.4 requirements including the 90-day examination-result limit and required criminal history check.
Case specific discretion
The commissioner may impose terms in the reinstatement or reissuance order; those terms and any applicant exemption remain conditions.
Licensing order
License suspended, revoked or forfeited in connection with a disciplinary matter; comply with the applicable order and establish that the grounds no longer exist and that relief is in the public interest.
New or renewal form
The Division may also require a NIPR new or renewal application and fees.
Waiting period
Comply with the order; absent specified terms, generally wait at least one year under r.10.10(2)(f). Suspended licenses cannot be reinstated before the suspension period ends.
Disciplinary reissuance — crop
Crop (practice unavailable)
Affected authority
crop
Application
File the Iowa Insurance Producer Application for Reinstatement or Reissuance After Disciplinary Action; meet r.10.4 requirements including the 90-day examination-result limit and required criminal history check.
Case specific discretion
The commissioner may impose terms in the reinstatement or reissuance order; those terms and any applicant exemption remain conditions.
Licensing order
License suspended, revoked or forfeited in connection with a disciplinary matter; comply with the applicable order and establish that the grounds no longer exist and that relief is in the public interest.
New or renewal form
The Division may also require a NIPR new or renewal application and fees.
Waiting period
Comply with the order; absent specified terms, generally wait at least one year under r.10.10(2)(f). Suspended licenses cannot be reinstated before the suspension period ends.
Disciplinary reissuance — personal lines
Personal Lines (practice unavailable)
Affected authority
personal lines
Application
File the Iowa Insurance Producer Application for Reinstatement or Reissuance After Disciplinary Action; meet r.10.4 requirements including the 90-day examination-result limit and required criminal history check.
Case specific discretion
The commissioner may impose terms in the reinstatement or reissuance order; those terms and any applicant exemption remain conditions.
Licensing order
License suspended, revoked or forfeited in connection with a disciplinary matter; comply with the applicable order and establish that the grounds no longer exist and that relief is in the public interest.
New or renewal form
The Division may also require a NIPR new or renewal application and fees.
Waiting period
Comply with the order; absent specified terms, generally wait at least one year under r.10.10(2)(f). Suspended licenses cannot be reinstated before the suspension period ends.
Disciplinary reissuance — property
Property (practice unavailable)
Affected authority
property
Application
File the Iowa Insurance Producer Application for Reinstatement or Reissuance After Disciplinary Action; meet r.10.4 requirements including the 90-day examination-result limit and required criminal history check.
Case specific discretion
The commissioner may impose terms in the reinstatement or reissuance order; those terms and any applicant exemption remain conditions.
Licensing order
License suspended, revoked or forfeited in connection with a disciplinary matter; comply with the applicable order and establish that the grounds no longer exist and that relief is in the public interest.
New or renewal form
The Division may also require a NIPR new or renewal application and fees.
Waiting period
Comply with the order; absent specified terms, generally wait at least one year under r.10.10(2)(f). Suspended licenses cannot be reinstated before the suspension period ends.
Disciplinary reissuance — property and casualty

All of the following:

Affected authority
property and casualty
Application
File the Iowa Insurance Producer Application for Reinstatement or Reissuance After Disciplinary Action; meet r.10.4 requirements including the 90-day examination-result limit and required criminal history check.
Case specific discretion
The commissioner may impose terms in the reinstatement or reissuance order; those terms and any applicant exemption remain conditions.
Licensing order
License suspended, revoked or forfeited in connection with a disciplinary matter; comply with the applicable order and establish that the grounds no longer exist and that relief is in the public interest.
New or renewal form
The Division may also require a NIPR new or renewal application and fees.
Waiting period
Comply with the order; absent specified terms, generally wait at least one year under r.10.10(2)(f). Suspended licenses cannot be reinstated before the suspension period ends.
Disciplinary reissuance — surety
Surety (practice unavailable)
Affected authority
surety
Application
File the Iowa Insurance Producer Application for Reinstatement or Reissuance After Disciplinary Action; meet r.10.4 requirements including the 90-day examination-result limit and required criminal history check.
Case specific discretion
The commissioner may impose terms in the reinstatement or reissuance order; those terms and any applicant exemption remain conditions.
Licensing order
License suspended, revoked or forfeited in connection with a disciplinary matter; comply with the applicable order and establish that the grounds no longer exist and that relief is in the public interest.
New or renewal form
The Division may also require a NIPR new or renewal application and fees.
Waiting period
Comply with the order; absent specified terms, generally wait at least one year under r.10.10(2)(f). Suspended licenses cannot be reinstated before the suspension period ends.
Disciplinary reissuance — surplus

All of the following:

  • Excess & Surplus Lines (practice unavailable)

  • At least one of the following alternatives:

Affected authority
surplus
Application
File the Iowa Insurance Producer Application for Reinstatement or Reissuance After Disciplinary Action; meet r.10.4 requirements including the 90-day examination-result limit and required criminal history check.
Case specific discretion
The commissioner may impose terms in the reinstatement or reissuance order; those terms and any applicant exemption remain conditions.
Licensing order
License suspended, revoked or forfeited in connection with a disciplinary matter; comply with the applicable order and establish that the grounds no longer exist and that relief is in the public interest.
New or renewal form
The Division may also require a NIPR new or renewal application and fees.
Waiting period
Comply with the order; absent specified terms, generally wait at least one year under r.10.10(2)(f). Suspended licenses cannot be reinstated before the suspension period ends.
Renewal relief due to military service or extenuating circumstances

All of the following:

Authority
Property and casualty lines.
Circumstances
Unable to comply with renewal procedures because of military service or another extenuating circumstance.
Waiver
May request waiver of renewal procedures, examination requirements, and penalties; approval is discretionary.
Addition of nonresident authority
No examination is required for this applicant pathway.
Application
Submit a completed application specifying the requested added lines through NIPR.
Home license
The additional authority must be supported by proper home-state licensure.

Official no-examination sources

Effective from 2026-09-22.

Nonresident reciprocal issuance
No examination is required for this applicant pathway.
Application
Submit the home-state application or completed uniform application through NIPR; pay required fees.
Criminal history
Complete a criminal history check if state and national checks have not already been completed.
Home license
Current home-state insurance producer license in good standing for the authority sought.
Reciprocity
Home state must issue Iowa residents nonresident licenses on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Nonresident reciprocal limited lines issuance
No examination is required for this applicant pathway.
Application
Meet the reciprocal application and fee conditions.
Home authority
Hold a home-state limited lines license covering property/casualty risks.
Scope
Iowa grants the same limited scope as the home-state license, under §522B.7(1); this is not full property and casualty authority.

Official no-examination sources

Effective from 2026-09-22.

Nonresident reinstatement within twelve months
No examination is required for this applicant pathway.
Application
Submit through NIPR and pay renewal and reinstatement fees.
Home license
Maintain valid home-state authority.
Lapse
Apply within 12 months of expiration.

Official no-examination sources

Effective from 2026-09-22.

Nonresident reissuance after lapse beyond twelve months
No examination is required for this applicant pathway.
Application
Apply for reissuance through NIPR and pay applicable fees.
Board page difference
The general Division page says a producer failing to reinstate within 12 months must take the appropriate exams and apply as new. For nonresident reciprocal applicants, §§522B.7 and 522B.15 control and waive demands beyond their specified conditions.
Home license
Current home-state license in good standing and reciprocal treatment.
Lapse
More than 12 months since expiration, or failure to update the address as required by r.10.12(3).

Official no-examination sources

Effective from 2026-09-22.

Nonresident renewal
No examination is required for this applicant pathway.
Application
Renew through NIPR during the 90 days before expiration and pay fees.
Good standing
Maintain the home-state license and satisfy applicable home-state CE.

Official no-examination sources

Effective from 2026-09-22.

Reactivation after nondisciplinary surrender
No examination is required for this applicant pathway.
Eligibility
Otherwise eligible to receive the license.
Surrender
Surrendered the license outside a disciplinary matter and stated intent to leave the insurance business.
Timing
Request reactivation within 90 days of placement on inactive status.

Official no-examination sources

Effective from 2026-09-22.

Addition of authority to an existing resident producer license — casualty
Iowa Casualty Insurance Licensing Examination
Additional authority
casualty
Application
Submit a uniform application specifying the additional lines; pass the required examination for every added line.
Current license
Hold an active resident producer license.
Score window
Apply within 90 days after passing.
Addition of authority to an existing resident producer license — credit
Credit (practice unavailable)
Additional authority
credit
Application
Submit a uniform application specifying the additional lines; pass the required examination for every added line.
Current license
Hold an active resident producer license.
Score window
Apply within 90 days after passing.
Addition of authority to an existing resident producer license — crop
Crop (practice unavailable)
Additional authority
crop
Application
Submit a uniform application specifying the additional lines; pass the required examination for every added line.
Current license
Hold an active resident producer license.
Score window
Apply within 90 days after passing.
Addition of authority to an existing resident producer license — personal lines
Personal Lines (practice unavailable)
Additional authority
personal lines
Application
Submit a uniform application specifying the additional lines; pass the required examination for every added line.
Current license
Hold an active resident producer license.
Score window
Apply within 90 days after passing.
Addition of authority to an existing resident producer license — property
Property (practice unavailable)
Additional authority
property
Application
Submit a uniform application specifying the additional lines; pass the required examination for every added line.
Current license
Hold an active resident producer license.
Score window
Apply within 90 days after passing.
Addition of authority to an existing resident producer license — property and casualty

All of the following:

Additional authority
property and casualty
Application
Submit a uniform application specifying the additional lines; pass the required examination for every added line.
Current license
Hold an active resident producer license.
Score window
Apply within 90 days after passing.
Addition of authority to an existing resident producer license — surety
Surety (practice unavailable)
Additional authority
surety
Application
Submit a uniform application specifying the additional lines; pass the required examination for every added line.
Current license
Hold an active resident producer license.
Score window
Apply within 90 days after passing.
Addition of excess and surplus lines to a resident producer license

All of the following:

  • Excess & Surplus Lines (practice unavailable)

  • At least one of the following alternatives:

Current license
Hold a resident producer license; apply through NIPR for the added authority.
Prerequisites
The property/casualty or personal/commercial examination prerequisites must have been passed; the excess and surplus examination must also be passed.
Score window
The new licensing examination results are valid for 90 days.
Resident licensure by examination — casualty
Iowa Casualty Insurance Licensing Examination
Age
At least 18 years old.
Application
Submit a completed uniform application through NIPR as directed by the Division.
Authority
The license authorizes only the lines granted; it does not itself appoint the producer to represent an insurer.
Criminal history
Submit fingerprints and complete the criminal history check required under §522B.5A.
Fee
Pay the $50 producer license issuance fee.
Fitness
No disqualifying conduct; requisite character and competence; supply verification documents requested by the Division.
Line of authority
casualty
Residency
Iowa must be the applicant’s home state.
Score window
Apply within 90 days after passing; otherwise the examination results are void under r.191—10.4(4).
Resident licensure by examination — credit
Credit (practice unavailable)
Age
At least 18 years old.
Application
Submit a completed uniform application through NIPR as directed by the Division.
Authority
The license authorizes only the lines granted; it does not itself appoint the producer to represent an insurer.
Criminal history
Submit fingerprints and complete the criminal history check required under §522B.5A.
Fee
Pay the $50 producer license issuance fee.
Fitness
No disqualifying conduct; requisite character and competence; supply verification documents requested by the Division.
Line of authority
credit
Residency
Iowa must be the applicant’s home state.
Score window
Apply within 90 days after passing; otherwise the examination results are void under r.191—10.4(4).
Resident licensure by examination — crop
Crop (practice unavailable)
Age
At least 18 years old.
Application
Submit a completed uniform application through NIPR as directed by the Division.
Authority
The license authorizes only the lines granted; it does not itself appoint the producer to represent an insurer.
Criminal history
Submit fingerprints and complete the criminal history check required under §522B.5A.
Fee
Pay the $50 producer license issuance fee.
Fitness
No disqualifying conduct; requisite character and competence; supply verification documents requested by the Division.
Line of authority
crop
Residency
Iowa must be the applicant’s home state.
Score window
Apply within 90 days after passing; otherwise the examination results are void under r.191—10.4(4).
Resident licensure by examination — personal lines
Personal Lines (practice unavailable)
Age
At least 18 years old.
Application
Submit a completed uniform application through NIPR as directed by the Division.
Authority
The license authorizes only the lines granted; it does not itself appoint the producer to represent an insurer.
Criminal history
Submit fingerprints and complete the criminal history check required under §522B.5A.
Fee
Pay the $50 producer license issuance fee.
Fitness
No disqualifying conduct; requisite character and competence; supply verification documents requested by the Division.
Line of authority
personal lines
Residency
Iowa must be the applicant’s home state.
Score window
Apply within 90 days after passing; otherwise the examination results are void under r.191—10.4(4).
Resident licensure by examination — property
Property (practice unavailable)
Age
At least 18 years old.
Application
Submit a completed uniform application through NIPR as directed by the Division.
Authority
The license authorizes only the lines granted; it does not itself appoint the producer to represent an insurer.
Criminal history
Submit fingerprints and complete the criminal history check required under §522B.5A.
Fee
Pay the $50 producer license issuance fee.
Fitness
No disqualifying conduct; requisite character and competence; supply verification documents requested by the Division.
Line of authority
property
Residency
Iowa must be the applicant’s home state.
Score window
Apply within 90 days after passing; otherwise the examination results are void under r.191—10.4(4).
Resident licensure by examination — property and casualty

All of the following:

Age
At least 18 years old.
Application
Submit a completed uniform application through NIPR as directed by the Division.
Authority
The license authorizes only the lines granted; it does not itself appoint the producer to represent an insurer.
Criminal history
Submit fingerprints and complete the criminal history check required under §522B.5A.
Fee
Pay the $50 producer license issuance fee.
Fitness
No disqualifying conduct; requisite character and competence; supply verification documents requested by the Division.
Line of authority
property and casualty
Residency
Iowa must be the applicant’s home state.
Score window
Apply within 90 days after passing; otherwise the examination results are void under r.191—10.4(4).
Resident licensure by examination — surety
Surety (practice unavailable)
Age
At least 18 years old.
Application
Submit a completed uniform application through NIPR as directed by the Division.
Authority
The license authorizes only the lines granted; it does not itself appoint the producer to represent an insurer.
Criminal history
Submit fingerprints and complete the criminal history check required under §522B.5A.
Fee
Pay the $50 producer license issuance fee.
Fitness
No disqualifying conduct; requisite character and competence; supply verification documents requested by the Division.
Line of authority
surety
Residency
Iowa must be the applicant’s home state.
Score window
Apply within 90 days after passing; otherwise the examination results are void under r.191—10.4(4).
Resident excess and surplus lines qualification

All of the following:

  • Excess & Surplus Lines (practice unavailable)

  • At least one of the following alternatives:

Age
At least 18 years old.
Application
Submit a completed uniform application through NIPR as directed by the Division.
Authority
The license authorizes only the lines granted; it does not itself appoint the producer to represent an insurer.
Criminal history
Submit fingerprints and complete the criminal history check required under §522B.5A.
Fee
Pay the $50 producer license issuance fee.
Fitness
No disqualifying conduct; requisite character and competence; supply verification documents requested by the Division.
Line of authority
Excess and surplus lines
Prerequisite alternatives
Pass the excess and surplus examination and either Property plus Casualty, or Personal Lines plus Commercial Lines. Passing scores already obtained remain examinations involved in this route.
Residency
Iowa must be the applicant’s home state.
Score window
Apply within 90 days after passing; otherwise the examination results are void under r.191—10.4(4).
Resident issuance upon moving to Iowa
No examination is required for this applicant pathway.
Exception
Section 522B.8(2) exempts the examinations for previously held lines except where the commissioner determines otherwise by regulation.
Implementation
The Division’s Insurance Producers page instructs existing Iowa nonresidents to retain their license until conversion, confirm all required lines, file an address change, and surrender or convert the prior resident license after confirmation.
Prior license
Hold an insurance producer license elsewhere for the same lines.
Timing
Apply within 90 days of establishing Iowa residence.

Official no-examination sources

Effective from 2026-09-22.

Resident new issuance after lapse beyond twelve months — casualty
Iowa Casualty Insurance Licensing Examination
Age
At least 18 years old.
Application
Submit a completed uniform application through NIPR as directed by the Division.
Authority
The license authorizes only the lines granted; it does not itself appoint the producer to represent an insurer.
Criminal history
Submit fingerprints and complete the criminal history check required under §522B.5A.
Fee
Pay the $50 producer license issuance fee.
Fitness
No disqualifying conduct; requisite character and competence; supply verification documents requested by the Division.
Line of authority
casualty
Prior license
Prior resident license expired more than 12 months; apply as a new licensee.
Residency
Iowa must be the applicant’s home state.
Score window
Apply within 90 days after passing; otherwise the examination results are void under r.191—10.4(4).
Resident new issuance after lapse beyond twelve months — credit
Credit (practice unavailable)
Age
At least 18 years old.
Application
Submit a completed uniform application through NIPR as directed by the Division.
Authority
The license authorizes only the lines granted; it does not itself appoint the producer to represent an insurer.
Criminal history
Submit fingerprints and complete the criminal history check required under §522B.5A.
Fee
Pay the $50 producer license issuance fee.
Fitness
No disqualifying conduct; requisite character and competence; supply verification documents requested by the Division.
Line of authority
credit
Prior license
Prior resident license expired more than 12 months; apply as a new licensee.
Residency
Iowa must be the applicant’s home state.
Score window
Apply within 90 days after passing; otherwise the examination results are void under r.191—10.4(4).
Resident new issuance after lapse beyond twelve months — crop
Crop (practice unavailable)
Age
At least 18 years old.
Application
Submit a completed uniform application through NIPR as directed by the Division.
Authority
The license authorizes only the lines granted; it does not itself appoint the producer to represent an insurer.
Criminal history
Submit fingerprints and complete the criminal history check required under §522B.5A.
Fee
Pay the $50 producer license issuance fee.
Fitness
No disqualifying conduct; requisite character and competence; supply verification documents requested by the Division.
Line of authority
crop
Prior license
Prior resident license expired more than 12 months; apply as a new licensee.
Residency
Iowa must be the applicant’s home state.
Score window
Apply within 90 days after passing; otherwise the examination results are void under r.191—10.4(4).
Resident new issuance after lapse beyond twelve months — personal lines
Personal Lines (practice unavailable)
Age
At least 18 years old.
Application
Submit a completed uniform application through NIPR as directed by the Division.
Authority
The license authorizes only the lines granted; it does not itself appoint the producer to represent an insurer.
Criminal history
Submit fingerprints and complete the criminal history check required under §522B.5A.
Fee
Pay the $50 producer license issuance fee.
Fitness
No disqualifying conduct; requisite character and competence; supply verification documents requested by the Division.
Line of authority
personal lines
Prior license
Prior resident license expired more than 12 months; apply as a new licensee.
Residency
Iowa must be the applicant’s home state.
Score window
Apply within 90 days after passing; otherwise the examination results are void under r.191—10.4(4).
Resident new issuance after lapse beyond twelve months — property
Property (practice unavailable)
Age
At least 18 years old.
Application
Submit a completed uniform application through NIPR as directed by the Division.
Authority
The license authorizes only the lines granted; it does not itself appoint the producer to represent an insurer.
Criminal history
Submit fingerprints and complete the criminal history check required under §522B.5A.
Fee
Pay the $50 producer license issuance fee.
Fitness
No disqualifying conduct; requisite character and competence; supply verification documents requested by the Division.
Line of authority
property
Prior license
Prior resident license expired more than 12 months; apply as a new licensee.
Residency
Iowa must be the applicant’s home state.
Score window
Apply within 90 days after passing; otherwise the examination results are void under r.191—10.4(4).
Resident new issuance after lapse beyond twelve months — property and casualty

All of the following:

Age
At least 18 years old.
Application
Submit a completed uniform application through NIPR as directed by the Division.
Authority
The license authorizes only the lines granted; it does not itself appoint the producer to represent an insurer.
Criminal history
Submit fingerprints and complete the criminal history check required under §522B.5A.
Fee
Pay the $50 producer license issuance fee.
Fitness
No disqualifying conduct; requisite character and competence; supply verification documents requested by the Division.
Line of authority
property and casualty
Prior license
Prior resident license expired more than 12 months; apply as a new licensee.
Residency
Iowa must be the applicant’s home state.
Score window
Apply within 90 days after passing; otherwise the examination results are void under r.191—10.4(4).
Resident new issuance after lapse beyond twelve months — surety
Surety (practice unavailable)
Age
At least 18 years old.
Application
Submit a completed uniform application through NIPR as directed by the Division.
Authority
The license authorizes only the lines granted; it does not itself appoint the producer to represent an insurer.
Criminal history
Submit fingerprints and complete the criminal history check required under §522B.5A.
Fee
Pay the $50 producer license issuance fee.
Fitness
No disqualifying conduct; requisite character and competence; supply verification documents requested by the Division.
Line of authority
surety
Prior license
Prior resident license expired more than 12 months; apply as a new licensee.
Residency
Iowa must be the applicant’s home state.
Score window
Apply within 90 days after passing; otherwise the examination results are void under r.191—10.4(4).
Resident new issuance after lapse beyond twelve months — surplus

All of the following:

  • Excess & Surplus Lines (practice unavailable)

  • At least one of the following alternatives:

Age
At least 18 years old.
Application
Submit a completed uniform application through NIPR as directed by the Division.
Authority
The license authorizes only the lines granted; it does not itself appoint the producer to represent an insurer.
Criminal history
Submit fingerprints and complete the criminal history check required under §522B.5A.
Fee
Pay the $50 producer license issuance fee.
Fitness
No disqualifying conduct; requisite character and competence; supply verification documents requested by the Division.
Line of authority
surplus
Prior license
Prior resident license expired more than 12 months; apply as a new licensee.
Residency
Iowa must be the applicant’s home state.
Score window
Apply within 90 days after passing; otherwise the examination results are void under r.191—10.4(4).
Resident upgrade from personal lines to property and casualty

All of the following:

  • Personal Lines (practice unavailable)
  • Commercial Lines (practice unavailable)
Application
Amend the license through NIPR to obtain both property and casualty authority; passing the Commercial Lines examination supplies the upgrade.
Current authority
Hold a personal lines producer authority.
Prior pass
The Personal Lines examination must have been passed before the Commercial Lines examination can be scheduled; its currently offered paper remains a leaf even when passed before this application.
Resident issuance based on the same authority previously held elsewhere
No examination is required for this applicant pathway.
Prior authority
Previously licensed for the same lines in another state.
Remaining requirements
Meet the resident application, fitness, fee and applicable criminal history requirements; §522B.8(1) excuses the examination.
Timing
Currently licensed there, or apply within 90 days of cancellation with certification of good standing at cancellation.

Official no-examination sources

Effective from 2026-09-22.

Resident reinstatement within twelve months with CE compliance
No examination is required for this applicant pathway.
Ce
Show compliance for the applicable CE term, or an applicable CE exemption.
Fees
Pay the reinstatement fee in addition to the renewal fee.
Lapse
Apply within 12 months of the due date of the renewal fee.
Lower ranked implementation
The Division’s Insurance Producers page states: "If CE compliance was not met before expiration, and the license has been expired for less than 12 months, you may either complete the required CE hours or take and pass the appropriate exam(s) for the line(s) you wish to reinstate." This route applies to producers who show CE compliance; the statute permits reinstatement without a written examination.

Official no-examination sources

Effective from 2026-09-22.

Resident renewal — casualty
Iowa Casualty Insurance Licensing Examination
Ce
Normally 36 CE credits including 3 ethics; crop-only producers instead satisfy federal training and 18 CE credits including 3 ethics under r.11.3(8).
Exam choice
Rule 191—11.3(7) allows taking and passing the licensing examination for each qualification instead of taking CE courses; the examination is a leaf and this election is the applicant’s condition.
Exemptions
CE exemptions for qualified attorneys and active-duty service remain applicant conditions.
Held authority
casualty
Other authorities
This route concerns the named authority; each additional qualification held has its own CE or appropriate licensing-examination requirement.
Renewal
Apply and pay fees during the 90 days before expiration.
Resident renewal of CE exempt credit authority
No examination is required for this applicant pathway.
Held authority
Hold only credit authority; credit and surety qualification holders are exempt from these CE rules under r.11.1(3)(b).
Renewal
Submit the renewal application and fees before expiration.

Official no-examination sources

Effective from 2026-09-22.

Resident renewal — crop
Crop (practice unavailable)
Ce
Normally 36 CE credits including 3 ethics; crop-only producers instead satisfy federal training and 18 CE credits including 3 ethics under r.11.3(8).
Exam choice
Rule 191—11.3(7) allows taking and passing the licensing examination for each qualification instead of taking CE courses; the examination is a leaf and this election is the applicant’s condition.
Exemptions
CE exemptions for qualified attorneys and active-duty service remain applicant conditions.
Held authority
crop
Other authorities
This route concerns the named authority; each additional qualification held has its own CE or appropriate licensing-examination requirement.
Renewal
Apply and pay fees during the 90 days before expiration.
Resident renewal — personal lines
Personal Lines (practice unavailable)
Ce
Normally 36 CE credits including 3 ethics; crop-only producers instead satisfy federal training and 18 CE credits including 3 ethics under r.11.3(8).
Exam choice
Rule 191—11.3(7) allows taking and passing the licensing examination for each qualification instead of taking CE courses; the examination is a leaf and this election is the applicant’s condition.
Exemptions
CE exemptions for qualified attorneys and active-duty service remain applicant conditions.
Held authority
personal lines
Other authorities
This route concerns the named authority; each additional qualification held has its own CE or appropriate licensing-examination requirement.
Renewal
Apply and pay fees during the 90 days before expiration.
Resident renewal — property
Property (practice unavailable)
Ce
Normally 36 CE credits including 3 ethics; crop-only producers instead satisfy federal training and 18 CE credits including 3 ethics under r.11.3(8).
Exam choice
Rule 191—11.3(7) allows taking and passing the licensing examination for each qualification instead of taking CE courses; the examination is a leaf and this election is the applicant’s condition.
Exemptions
CE exemptions for qualified attorneys and active-duty service remain applicant conditions.
Held authority
property
Other authorities
This route concerns the named authority; each additional qualification held has its own CE or appropriate licensing-examination requirement.
Renewal
Apply and pay fees during the 90 days before expiration.
Resident renewal — property and casualty

All of the following:

Ce
Normally 36 CE credits including 3 ethics; crop-only producers instead satisfy federal training and 18 CE credits including 3 ethics under r.11.3(8).
Exam choice
Rule 191—11.3(7) allows taking and passing the licensing examination for each qualification instead of taking CE courses; the examination is a leaf and this election is the applicant’s condition.
Exemptions
CE exemptions for qualified attorneys and active-duty service remain applicant conditions.
Held authority
property and casualty
Other authorities
This route concerns the named authority; each additional qualification held has its own CE or appropriate licensing-examination requirement.
Renewal
Apply and pay fees during the 90 days before expiration.
Resident renewal of CE exempt surety authority
No examination is required for this applicant pathway.
Held authority
Hold only surety authority; credit and surety qualification holders are exempt from these CE rules under r.11.1(3)(b).
Renewal
Submit the renewal application and fees before expiration.

Official no-examination sources

Effective from 2026-09-22.

Resident renewal — surplus
Excess & Surplus Lines (practice unavailable)
Ce
Normally 36 CE credits including 3 ethics; crop-only producers instead satisfy federal training and 18 CE credits including 3 ethics under r.11.3(8).
Exam choice
Rule 191—11.3(7) allows taking and passing the licensing examination for each qualification instead of taking CE courses; the examination is a leaf and this election is the applicant’s condition.
Exemptions
CE exemptions for qualified attorneys and active-duty service remain applicant conditions.
Held authority
surplus
Other authorities
This route concerns the named authority; each additional qualification held has its own CE or appropriate licensing-examination requirement.
Renewal
Apply and pay fees during the 90 days before expiration.
Restoration after payment related suspension
No examination is required for this applicant pathway.
Cause
License or renewal payment was returned, refused or cancelled.
Cure
Make the payment and pay all assessed fees or penalties; license may then be reinstated.
Hearing
May request a hearing within 30 days after the suspension notice.

Official no-examination sources

Effective from 2026-09-22.

Temporary Insurance Producer

Temporary producer license subject to commissioner approval and statutory restrictions.

Licensing authority: Iowa Insurance Division · Application information

Temporary issuance — Surviving spouse or court appointed representative after the producer’s death or disability
No examination is required for this applicant pathway.
Applicant
Surviving spouse or court-appointed representative after the producer’s death or disability
Commissioner
Must find temporary licensure necessary for servicing an insurance business.
Duration
Division rule provides 90 days with extensions, not exceeding the statutory 180 days.
Request
Written request stating reason and requested duration; commissioner may impose sponsorship and restrictions under §522B.10(2).
Termination
The temporary authority cannot continue after the owner or personal representative disposes of the business.

Official no-examination sources

Effective from 2026-09-22.

Temporary issuance — Business entity member or employee after the designated individual’s death or disability
No examination is required for this applicant pathway.
Applicant
Business entity member or employee after the designated individual’s death or disability
Commissioner
Must find temporary licensure necessary for servicing an insurance business.
Duration
Division rule provides 90 days with extensions, not exceeding the statutory 180 days.
Request
Written request stating reason and requested duration; commissioner may impose sponsorship and restrictions under §522B.10(2).
Termination
The temporary authority cannot continue after the owner or personal representative disposes of the business.

Official no-examination sources

Effective from 2026-09-22.

Temporary issuance — Designee of a producer entering active military service
No examination is required for this applicant pathway.
Applicant
Designee of a producer entering active military service
Commissioner
Must find temporary licensure necessary for servicing an insurance business.
Duration
Division rule provides 90 days with extensions, not exceeding the statutory 180 days.
Request
Written request stating reason and requested duration; commissioner may impose sponsorship and restrictions under §522B.10(2).
Termination
The temporary authority cannot continue after the owner or personal representative disposes of the business.

Official no-examination sources

Effective from 2026-09-22.

Temporary issuance — Other circumstances in which the commissioner finds a temporary license serves the public interest
No examination is required for this applicant pathway.
Applicant
Other circumstances in which the commissioner finds a temporary license serves the public interest
Commissioner
Must find temporary licensure necessary for servicing an insurance business.
Duration
Division rule provides 90 days with extensions, not exceeding the statutory 180 days.
Request
Written request stating reason and requested duration; commissioner may impose sponsorship and restrictions under §522B.10(2).
Termination
The temporary authority cannot continue after the owner or personal representative disposes of the business.

Official no-examination sources

Effective from 2026-09-22.

Temporary nonresident issuance while fingerprint based licensing is pending
No examination is required for this applicant pathway.
Applicant
Nonresident applicant meeting §522B.7.
Delay
Permanent license has not issued within ten business days after fingerprints and identifying information were submitted.
Duration
No more than 180 days.

Official no-examination sources

Effective from 2026-09-22.

Temporary resident issuance while fingerprint based licensing is pending — casualty
Iowa Casualty Insurance Licensing Examination
Applicant
Resident applicant who already satisfies all of §522B.5(1), including the applicable examinations.
Authority
casualty
Delay
Permanent license has not issued within ten business days after submitting fingerprints and required identifying information.
Duration
Temporary license may not exceed 180 days.
Temporary resident issuance while fingerprint based licensing is pending — credit
Credit (practice unavailable)
Applicant
Resident applicant who already satisfies all of §522B.5(1), including the applicable examinations.
Authority
credit
Delay
Permanent license has not issued within ten business days after submitting fingerprints and required identifying information.
Duration
Temporary license may not exceed 180 days.
Temporary resident issuance while fingerprint based licensing is pending — crop
Crop (practice unavailable)
Applicant
Resident applicant who already satisfies all of §522B.5(1), including the applicable examinations.
Authority
crop
Delay
Permanent license has not issued within ten business days after submitting fingerprints and required identifying information.
Duration
Temporary license may not exceed 180 days.
Temporary resident issuance while fingerprint based licensing is pending — personal lines
Personal Lines (practice unavailable)
Applicant
Resident applicant who already satisfies all of §522B.5(1), including the applicable examinations.
Authority
personal lines
Delay
Permanent license has not issued within ten business days after submitting fingerprints and required identifying information.
Duration
Temporary license may not exceed 180 days.
Temporary resident issuance while fingerprint based licensing is pending — property
Property (practice unavailable)
Applicant
Resident applicant who already satisfies all of §522B.5(1), including the applicable examinations.
Authority
property
Delay
Permanent license has not issued within ten business days after submitting fingerprints and required identifying information.
Duration
Temporary license may not exceed 180 days.
Temporary resident issuance while fingerprint based licensing is pending — property and casualty

All of the following:

Applicant
Resident applicant who already satisfies all of §522B.5(1), including the applicable examinations.
Authority
property and casualty
Delay
Permanent license has not issued within ten business days after submitting fingerprints and required identifying information.
Duration
Temporary license may not exceed 180 days.
Temporary resident issuance while fingerprint based licensing is pending — surety
Surety (practice unavailable)
Applicant
Resident applicant who already satisfies all of §522B.5(1), including the applicable examinations.
Authority
surety
Delay
Permanent license has not issued within ten business days after submitting fingerprints and required identifying information.
Duration
Temporary license may not exceed 180 days.

Surety

Provider
Pearson VUE
Format
Written examination; answers to questions are scored
Exam questions
45 scoreable questions
Time limit
1 hour
Exam fee
$44
Examination outline
  • INSURANCE TERMS AND RELATED CONCEPTS
    • Insurance
    • Insurable interest
    • Risk
    • Hazard
    • Loss
    • Proximate cause
    • Indemnity
    • Actual cash value
    • Limits of liability
    • Accident
    • Occurrence
    • Cancellation
    • Nonrenewal
    • Liability
    • Negligence
  • POLICY PROVISIONS AND CONTRACT LAW
    • Insuring agreement
    • Conditions
    • Exclusions
    • Definition of the insured
    • Duties of the insured
    • Obligations of the insurance company
    • Proof of loss
    • Notice of claim
    • Assignment
    • Subrogation
    • Arbitration
    • Elements of a contract
    • Warranties, representations, and concealment
    • Binders
  • FIDELITY AND SURETY CONTRACTS
    • Definition of fidelity and surety
    • Parties of a contract
    • Obligation of the surety
    • Underwriting considerations
    • Premiums and terms of obligations
    • Claims
    • Power of attorney
    • Indemnification agreements
  • PURPOSE AND TYPE OF SURETY BONDS
    • Court
    • Contract
    • Miscellaneous
    • Appeal Bonds
  • PURPOSE AND TYPE OF FIDELITY BONDS
    • Individual
    • Schedule
    • Public official
    • Blanket
    • Financial institutions
    • ERISA bonds
  • BAIL BONDS
    • Surety bail bond
    • Surety bond fee
    • Types of bail
    • Bail piece
    • Acceptable collateral
    • Appointing company’s underwriting standard
  • IOWA STATUTES, RULES, AND REGULATIONS PERTINENT TO SURETY LICENSING
    • A. Insurance Commissioner/Division
    • A.1. Broad powers and duties
    • A.2. Examination of records
    • A.3. Hearings
    • A.4. Penalties
    • A.5. Cease and desist
    • B. Licensing Requirements
    • B.1. Applications
    • B.2. Change of address
    • B.3. Licensing examinations
    • B.4. Resident/nonresident
    • B.5. Temporary license
    • B.6. Exceptions to licensing
    • B.7. Denial, renewal, termination of licenses
    • C. Unfair and Deceptive Practices
    • C.1. Discrimination
    • C.2. Misrepresentation
    • C.3. Rebating
    • C.4. Advertising
    • C.5. Claims settlement
    • C.6. Defamation
    • C.7. Boycott, coercion and intimidation
    • C.8. Iowa Insurance Fraud Act
Examination sources

Iowa Casualty Insurance Licensing Examination

Provider
Pearson VUE
Format
Multiple choice; one examination with general and Iowa-specific portions
Exam questions
83 scored questions and 10 pretest questions
Time limit
2 hours
Exam fee
$44
Examination outline
  • General knowledge — I. TYPES OF POLICIES, BONDS, AND RELATED TERMS (23 scored questions)
    • A. Commercial general liability
    • A. Commercial general liability / 1. Exposures
    • A. Commercial general liability / 1. Exposures / 1. Premises and Operations
    • A. Commercial general liability / 1. Exposures / 2. Products and Completed Operations
    • A. Commercial general liability / 2. Coverage
    • A. Commercial general liability / 2. Coverage / a. Coverage A: Bodily Injury and Property Damage Liability (Occurrence, Claims made including Retroactive Date)
    • A. Commercial general liability / 2. Coverage / 2. Coverage B: Personal Injury and Advertising Injury
    • A. Commercial general liability / 2. Coverage / 3. Coverage C: Medical Payments
    • A. Commercial general liability / 2. Coverage / 4. Supplemental Payments
    • A. Commercial general liability / 2. Coverage / 5. Who is an insured
    • A. Commercial general liability / 2. Coverage / 6. First named insured
    • A. Commercial general liability / 2. Coverage / 7. Limits (Per occurrence, Annual Aggregate)
    • A. Commercial general liability / 2. Coverage / 8. Damage to Property of Others
    • B. Automobile: personal auto and business auto
    • B. Automobile: personal auto and business auto / 1. Liability
    • B. Automobile: personal auto and business auto / 1. Liability / 1. Bodily Injury
    • B. Automobile: personal auto and business auto / 1. Liability / 2. Property Damage
    • B. Automobile: personal auto and business auto / 1. Liability / 3. Split Limits
    • B. Automobile: personal auto and business auto / 1. Liability / 4. Combined Single Limit
    • B. Automobile: personal auto and business auto / 2. Medical Payments
    • B. Automobile: personal auto and business auto / 3. Physical Damage (collision; other than collision; specified perils)
    • B. Automobile: personal auto and business auto / 4. Uninsured motorists
    • B. Automobile: personal auto and business auto / 5. Underinsured motorists
    • B. Automobile: personal auto and business auto / 6. Who is an insured
    • B. Automobile: personal auto and business auto / 7. Types of Auto
    • B. Automobile: personal auto and business auto / 7. Types of Auto / 1. Owned
    • B. Automobile: personal auto and business auto / 7. Types of Auto / 2. Non-owned
    • B. Automobile: personal auto and business auto / 7. Types of Auto / 3. Hired
    • B. Automobile: personal auto and business auto / 7. Types of Auto / 4. Temporary Substitute
    • B. Automobile: personal auto and business auto / 7. Types of Auto / 5. Newly Acquired Autos
    • B. Automobile: personal auto and business auto / 7. Types of Auto / 6. Transportation Expense and Rental Reimbursement Expense
    • B. Automobile: personal auto and business auto / 8. Auto Dealers Coverage Form, including Garagekeepers Insurance
    • B. Automobile: personal auto and business auto / 9. Exclusions
    • B. Automobile: personal auto and business auto / 10. Individual Insured and Drive Other Car (DOC)
    • B. Automobile: personal auto and business auto / 11. Mobile equipment
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.)
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 1. Standard policy concepts
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 1. Standard policy concepts / 1. Who is an employee/employer
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 1. Standard policy concepts / 2. Compensation
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 2. Work-related vs. non-work-related
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 3. Other states’ insurance
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 4. Employers Liability
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 5. Exclusive remedy
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 6. Premium Determination
    • D. Crime
    • D. Crime / 1. Employee Dishonesty
    • D. Crime / 2. Theft
    • D. Crime / 3. Robbery
    • D. Crime / 4. Burglary
    • D. Crime / 5. Forgery and Alteration
    • D. Crime / 6. Mysterious disappearance
    • E. Bonds
    • E. Bonds / 1. Surety
    • E. Bonds / 2. Fidelity
    • F. Professional liability
    • F. Professional liability / 1. Errors and Omissions
    • F. Professional liability / 2. Medical Malpractice
    • F. Professional liability / 3. Directors and Officers (D&O)
    • F. Professional liability / 4. Employment Practices Liability (EPLI)
    • F. Professional liability / 5. Cyber liability and data breach, funds transfer
    • F. Professional liability / 6. Liquor liability
    • G. Umbrella/Excess Liability
    • H. Businessowners Policy (BOP)
  • General knowledge — II. INSURANCE TERMS AND RELATED CONCEPTS (15 scored questions)
    • A. Risk
    • B. Hazards
    • B. Hazards / 1. Moral
    • B. Hazards / 2. Morale
    • B. Hazards / 3. Physical
    • C. Indemnity
    • D. Insurable interest
    • E. Loss valuation
    • E. Loss valuation / 1. Actual cash value
    • E. Loss valuation / 2. Replacement cost
    • E. Loss valuation / 3. Market value
    • E. Loss valuation / 4. Stated/agreed value
    • E. Loss valuation / 5. Salvage value
    • F. Negligence
    • G. Liability
    • H. Occurrence
    • I. Binders
    • J. Warranties
    • K. Representations
    • L. Concealment
    • M. Deposit Premium/Audit
    • N. Certificate of Insurance
    • O. Law of Large Numbers
    • P. Pure vs. Speculative Risk
    • Q. Endorsements
    • R. Damages
    • R. Damages / 1. Compensatory
    • R. Damages / 1. Compensatory / 1. General
    • R. Damages / 1. Compensatory / 2. Special
    • R. Damages / 2. Punitive
    • S. Compliance with provisions of Fair Credit Reporting Act
  • General knowledge — III. POLICY PROVISIONS (12 scored questions)
    • A. Declarations
    • B. Insuring agreement
    • C. Conditions
    • D. Exclusions and Limitations
    • E. Definition of the insured
    • F. Duties of the insured after a loss
    • G. Cancellation and nonrenewal provisions
    • H. Supplementary payments
    • I. Proof of loss
    • J. Notice of claim
    • K. Other insurance
    • L. Subrogation
    • M. Loss settlement provisions including consent to settle a loss
    • N. Terrorism Risk Insurance Act (TRIA)
  • Iowa specific — I. IOWA LAWS, RULES, AND REGULATIONS COMMON TO ALL LINES (25 scored questions)
    • A. Insurance Commissioner/Division
    • A. Insurance Commissioner/Division / 1. Broad powers and duties
    • A. Insurance Commissioner/Division / 2. Examination of records
    • A. Insurance Commissioner/Division / 3. Hearings
    • A. Insurance Commissioner/Division / 4. Penalties
    • A. Insurance Commissioner/Division / 5. Cease and desist
    • B. Licensing
    • B. Licensing / 1. Applications
    • B. Licensing / 2. Change of address
    • B. Licensing / 3. Licensing examinations
    • B. Licensing / 4. Resident/nonresident
    • B. Licensing / 5. Temporary license
    • B. Licensing / 6. Exemptions
    • B. Licensing / 7. Denial, renewal, termination of licenses
    • B. Licensing / 8. Commissions and referral fees
    • B. Licensing / 9. Company appointments
    • B. Licensing / 10. Continuing education
    • C. Unfair and Deceptive Practices
    • C. Unfair and Deceptive Practices / 1. Unfair discrimination
    • C. Unfair and Deceptive Practices / 2. Misrepresentation
    • C. Unfair and Deceptive Practices / 3. Rebating
    • C. Unfair and Deceptive Practices / 4. False information and advertising
    • C. Unfair and Deceptive Practices / 5. Claims settlement
    • C. Unfair and Deceptive Practices / 6. Defamation
    • C. Unfair and Deceptive Practices / 7. Boycott, coercion and intimidation
    • D. Iowa Insurance Fraud Act
    • E. Producer Responsibilities
    • E. Producer Responsibilities / 1. Prohibited Acts
    • E. Producer Responsibilities / 2. Use of credit information**
    • E. Producer Responsibilities / 2. Use of credit information** / a. Notification
    • E. Producer Responsibilities / 2. Use of credit information** / b. Adverse action
    • F. Guaranty Association
    • G. Definitions
    • G. Definitions / 1. Domestic, foreign, alien
    • G. Definitions / 3. Certificate of Authority
    • H. Surplus**
    • I. Insurance Notices and Documents - Electronic Delivery
  • Iowa specific — II. IOWA LAWS, RULES, AND REGULATIONS PERTINENT TO CASUALTY INSURANCE (8 scored questions)
    • A. Iowa Automobile Insurance Plan (Assigned Risk)
    • B. Private-passenger automobile insurance
    • B. Private-passenger automobile insurance / 1. Uninsured/Underinsured motorists coverage
    • B. Private-passenger automobile insurance / 1. Uninsured/Underinsured motorists coverage / 1. Rejection by the insured
    • B. Private-passenger automobile insurance / 2. Proof of financial responsibility
    • B. Private-passenger automobile insurance / 3. Cancellation and nonrenewal
    • C. Transportation Network Companies (ride-sharing services)
    • D. Workers’ Compensation
    • D. Workers’ Compensation / 1. Definitions
    • D. Workers’ Compensation / 2. Covered employment
    • D. Workers’ Compensation / 3. Benefits provided
    • D. Workers’ Compensation / 4. Covered injuries
    • D. Workers’ Compensation / 5. Occupational disease
    • E. Rate standards
Examination sources

Commercial Lines

Provider
Pearson VUE
Format
Multiple choice; one examination with general and Iowa-specific portions
Exam questions
82 scored questions and 10 pretest questions
Time limit
2 hours
Exam fee
$44
Examination outline
  • General knowledge — I. TYPES OF PROPERTY POLICIES (8 scored questions)
    • A. Commercial lines
    • A. Commercial lines / 1. Commercial property
    • A. Commercial lines / 1. Commercial property / 1. Commercial building and business personal property form
    • A. Commercial lines / 1. Commercial property / 2. Causes of loss forms
    • A. Commercial lines / 1. Commercial property / 3. Business income
    • A. Commercial lines / 1. Commercial property / 4. Extra expense
    • A. Commercial lines / 1. Commercial property / 5. Equipment breakdown
    • A. Commercial lines / 2. Commercial Package Policy (CPP)
    • A. Commercial lines / 3. Businessowners Policy (BOP)
    • A. Commercial lines / 4. Builders Risk
    • A. Commercial lines / 5. Cyber First-Party Coverage
    • B. Inland marine
    • B. Inland marine / 1. Commercial Property floaters
    • C. National Flood Insurance Program
    • D. Others
    • D. Others / 1. Earthquake
  • General knowledge — II. TYPES OF CASUALTY POLICIES, BONDS, AND RELATED TERMS (12 scored questions)
    • A. Commercial general liability
    • A. Commercial general liability / 1. Exposures
    • A. Commercial general liability / 1. Exposures / 1. Premises and Operations
    • A. Commercial general liability / 1. Exposures / 2. Products and Completed Operations
    • A. Commercial general liability / 2. Coverage
    • A. Commercial general liability / 2. Coverage / a. Coverage A: Bodily Injury and Property Damage Liability (Occurrence, Claims made including Retroactive Date)
    • A. Commercial general liability / 2. Coverage / 2. Coverage B: Personal Injury and Advertising Injury
    • A. Commercial general liability / 2. Coverage / 3. Coverage C: Medical Payments
    • A. Commercial general liability / 2. Coverage / 4. Supplementary Payments
    • A. Commercial general liability / 2. Coverage / 5. Who is an insured
    • A. Commercial general liability / 2. Coverage / 6. Limits (Per occurrence, Annual Aggregate)
    • A. Commercial general liability / 2. Coverage / 7. Damage to Property of Others
    • B. Business (Commercial) Auto
    • B. Business (Commercial) Auto / 1. Liability
    • B. Business (Commercial) Auto / 1. Liability / 1. Bodily Injury
    • B. Business (Commercial) Auto / 1. Liability / 2. Property Damage
    • B. Business (Commercial) Auto / 1. Liability / 3. Split Limits
    • B. Business (Commercial) Auto / 1. Liability / 4. Combined Single Limit
    • B. Business (Commercial) Auto / 2. Physical damage (collision and other than collision/ specified perils)
    • B. Business (Commercial) Auto / 3. Uninsured motorists
    • B. Business (Commercial) Auto / 4. Underinsured motorists
    • B. Business (Commercial) Auto / 5. Who is an insured
    • B. Business (Commercial) Auto / 6. Types of Auto
    • B. Business (Commercial) Auto / 6. Types of Auto / 1. Owned
    • B. Business (Commercial) Auto / 6. Types of Auto / 2. Non-owned
    • B. Business (Commercial) Auto / 6. Types of Auto / 3. Hired
    • B. Business (Commercial) Auto / 6. Types of Auto / 4. Temporary Substitute
    • B. Business (Commercial) Auto / 6. Types of Auto / 5. Newly Acquired Autos
    • B. Business (Commercial) Auto / 6. Types of Auto / 6. Transportation Expense and Rental Reimbursement Expense
    • B. Business (Commercial) Auto / 7. Auto Dealers Coverage Form, including Garagekeepers insurance
    • B. Business (Commercial) Auto / 8. Exclusions
    • B. Business (Commercial) Auto / 9. Individual Insured and Drive Other Car (DOC)
    • B. Business (Commercial) Auto / 10. Mobile equipment
    • C. Workers Compensation insurance, Employers Liability insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.)
    • C. Workers Compensation insurance, Employers Liability insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 1. Standard policy concepts
    • C. Workers Compensation insurance, Employers Liability insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 1. Standard policy concepts / 1. Who is an employee/employer
    • C. Workers Compensation insurance, Employers Liability insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 1. Standard policy concepts / 2. Compensation
    • C. Workers Compensation insurance, Employers Liability insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 2. Work-related vs. non-work-related
    • C. Workers Compensation insurance, Employers Liability insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 3. Other states’ insurance
    • C. Workers Compensation insurance, Employers Liability insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 4. Employers liability
    • C. Workers Compensation insurance, Employers Liability insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 5. Exclusive remedy
    • C. Workers Compensation insurance, Employers Liability insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 6. Premium Determination
    • D. Crime
    • D. Crime / 1. Employee Dishonesty
    • D. Crime / 2. Theft
    • D. Crime / 3. Robbery
    • D. Crime / 4. Burglary
    • D. Crime / 5. Forgery and Alteration
    • D. Crime / 6. Mysterious disappearance
    • E. Bonds
    • E. Bonds / 1. Surety
    • E. Bonds / 2. Fidelity
    • F. Professional liability
    • F. Professional liability / 1. Errors and Omissions
    • F. Professional liability / 2. Medical Malpractice
    • F. Professional liability / 3. Directors and Officers (D&O)
    • F. Professional liability / 4. Employment Practices Liability (EPLI)
    • F. Professional liability / 5. Cyber liability and data breach, funds transfer
    • F. Professional liability / 6. Liquor liability
    • G. Umbrella/Excess liability
    • H. Business Owners Policy (BOP)
  • General knowledge — III. PROPERTY AND CASUALTY INSURANCE TERMS AND RELATED CONCEPTS (17 scored questions)
    • A. Insurance
    • A. Insurance / 1. Law of Large Numbers
    • B. Insurable interest
    • C. Risk
    • C. Risk / 1. Pure vs. Speculative Risk
    • D. Hazard
    • D. Hazard / 1. Moral
    • D. Hazard / 2. Morale
    • D. Hazard / 3. Physical
    • E. Peril
    • F. Loss
    • F. Loss / 1. Direct
    • F. Loss / 2. Indirect
    • G. Loss Valuation
    • G. Loss Valuation / 1. Actual cash valuation
    • G. Loss Valuation / 2. Replacement cost
    • G. Loss Valuation / 3. Market valuation
    • G. Loss Valuation / 4. Stated value
    • G. Loss Valuation / 5. Salvage value
    • H. Proximate cause
    • I. Deductible
    • J. Indemnity
    • K. Limits of liability
    • L. Coinsurance/Insurance to value
    • M. Occurrence
    • N. Cancellation
    • O. Nonrenewal
    • P. Vacancy and unoccupancy
    • Q. Liability
    • Q. Liability / 1. Absolute
    • Q. Liability / 2. Strict
    • Q. Liability / 3. Vicarious
    • R. Negligence
    • S. Binder
    • T. Endorsement
    • U. Medical Payments
    • V. Blanket vs. Specific
    • W. Burglary, Robbery, Theft, Mysterious Disappearance
    • X. Damages
    • X. Damages / 1. Compensatory
    • X. Damages / 1. Compensatory / 1. General
    • X. Damages / 1. Compensatory / 2. Special
    • X. Damages / 2. Punitive
    • Y. Compliance with provisions of Fair Credit Reporting Act
  • General knowledge — IV. PROPERTY AND CASUALTY POLICY PROVISIONS AND CONTRACT LAW (13 scored questions)
    • A. Declarations
    • B. Insuring agreement
    • C. Conditions
    • D. Exclusions and limitations
    • E. Definition of the insured
    • F. Duties of the insured after a loss
    • G. Obligations of the insurance company
    • H. Mortgagee rights
    • I. Proof of loss
    • J. Notice of claim
    • K. Appraisal
    • L. Other Insurance Provision
    • M. Subrogation
    • N. Elements of a contract
    • O. Warranties, representations, and concealment
    • P. Sources of Underwriting information
    • Q. Cancellation and nonrenewal provisions
    • R. Supplementary payments
    • S. Loss settlement provisions including consent to settle a loss
    • T. Privacy Protection (Gramm Leach Bliley)
    • U. Policy Application
    • V. Terrorism Risk Insurance Act (TRIA)
    • W. Territory
  • Iowa specific — I. IOWA LAWS, RULES, AND REGULATIONS COMMON TO ALL LINES (25 scored questions)
    • A. Insurance Commissioner/Division
    • A. Insurance Commissioner/Division / 1. Broad powers and duties
    • A. Insurance Commissioner/Division / 2. Examination of records
    • A. Insurance Commissioner/Division / 3. Hearings
    • A. Insurance Commissioner/Division / 4. Penalties
    • A. Insurance Commissioner/Division / 5. Cease and desist
    • B. Licensing
    • B. Licensing / 1. Applications
    • B. Licensing / 2. Change of address
    • B. Licensing / 3. Licensing examinations
    • B. Licensing / 4. Resident/nonresident
    • B. Licensing / 5. Temporary license
    • B. Licensing / 6. Exemptions
    • B. Licensing / 7. Denial, renewal, termination of licenses
    • B. Licensing / 8. Commissions and referral fees
    • B. Licensing / 9. Company appointments
    • B. Licensing / 10. Continuing education
    • C. Unfair and Deceptive Practices
    • C. Unfair and Deceptive Practices / 1. Unfair discrimination
    • C. Unfair and Deceptive Practices / 2. Misrepresentation
    • C. Unfair and Deceptive Practices / 3. Rebating
    • C. Unfair and Deceptive Practices / 4. False information and advertising
    • C. Unfair and Deceptive Practices / 5. Claims settlement
    • C. Unfair and Deceptive Practices / 6. Defamation
    • C. Unfair and Deceptive Practices / 7. Boycott, coercion and intimidation
    • D. Iowa Insurance Fraud Act
    • E. Producer Responsibilities
    • E. Producer Responsibilities / 1. Prohibited Acts
    • F. Guaranty Association
    • G. Definitions
    • G. Definitions / 1. Domestic, foreign, alien
    • G. Definitions / 3. Certificate of Authority
    • H. Surplus**
    • I. Insurance Notices and Documents - Electronic Delivery
  • Iowa specific — II. IOWA LAWS, RULES AND REGULATIONS PERTINENT TO PROPERTY INSURANCE (2 scored questions)
    • A. Cancellation/Nonrenewal
    • B. Rate standards
  • Iowa specific — III. IOWA LAWS, RULES, AND REGULATIONS PERTINENT TO CASUALTY INSURANCE (5 scored questions)
    • A. Workers’ Compensation
    • A. Workers’ Compensation / 1. Definitions
    • A. Workers’ Compensation / 2. Covered employment
    • A. Workers’ Compensation / 3. Benefits provided
    • A. Workers’ Compensation / 4. Covered injuries
    • A. Workers’ Compensation / 5. Occupational disease
Examination sources

Personal Lines

Provider
Pearson VUE
Format
Multiple choice; one examination with general and Iowa-specific portions
Exam questions
112 scored questions and 10 pretest questions
Time limit
2 hours
Exam fee
$44
Examination outline
  • General knowledge — I. TYPES OF PROPERTY POLICIES (10 scored questions)
    • A. Homeowners
    • A. Homeowners / 1. HO-2
    • A. Homeowners / 2. HO-3
    • A. Homeowners / 3. HO-4
    • A. Homeowners / 4. HO-5
    • A. Homeowners / 5. HO-6
    • A. Homeowners / 6. HO-8
    • B. Dwelling policies
    • B. Dwelling policies / 1. DP-1
    • B. Dwelling policies / 2. DP-2
    • B. Dwelling policies / 3. DP-3
    • C. Inland marine
    • C. Inland marine / 1. Personal Articles floaters
    • D. National Flood Insurance Program
    • E. Others
    • E. Others / 1. Earthquake
    • E. Others / 2. Mobile Homes
    • E. Others / 3. Watercraft
    • E. Others / 4. Windstorm
  • General knowledge — II. TYPES OF CASUALTY POLICIES (13 scored questions)
    • A. Automobile: personal auto
    • A. Automobile: personal auto / 1. Liability
    • A. Automobile: personal auto / 1. Liability / a. Bodily Injury
    • A. Automobile: personal auto / 1. Liability / b. Property Damage
    • A. Automobile: personal auto / 1. Liability / c. Split Limits
    • A. Automobile: personal auto / 1. Liability / d. Combined Single Limit
    • A. Automobile: personal auto / 2. Medical Payments
    • A. Automobile: personal auto / 3. Physical Damage (collision; other than collision; specified perils)
    • A. Automobile: personal auto / 4. Uninsured motorists
    • A. Automobile: personal auto / 5. Underinsured motorists
    • A. Automobile: personal auto / 6. Who is an insured
    • A. Automobile: personal auto / 7. Types of Auto
    • A. Automobile: personal auto / 7. Types of Auto / a. Owned
    • A. Automobile: personal auto / 7. Types of Auto / b. Non-owned
    • A. Automobile: personal auto / 7. Types of Auto / c. Hired
    • A. Automobile: personal auto / 7. Types of Auto / d. Temporary Substitute
    • A. Automobile: personal auto / 7. Types of Auto / e. Newly Acquired Autos
    • A. Automobile: personal auto / 7. Types of Auto / f. Transportation Expense and Rental Reimbursement Expense
    • A. Automobile: personal auto / 8. Exclusions
    • B. Umbrella/Excess liability
  • General knowledge — III. PROPERTY AND CASUALTY INSURANCE TERMS AND RELATED CONCEPTS (28 scored questions)
    • A. Insurance
    • A. Insurance / 1. Law of Large Numbers
    • B. Insurable interest
    • C. Risk
    • C. Risk / 1. Pure vs. Speculative Risk
    • D. Hazard
    • D. Hazard / 1. Moral
    • D. Hazard / 2. Morale
    • D. Hazard / 3. Physical
    • E. Peril
    • F. Loss
    • F. Loss / 1. Direct
    • F. Loss / 2. Indirect
    • G. Loss Valuation
    • G. Loss Valuation / 1. Actual cash value
    • G. Loss Valuation / 2. Replacement cost
    • G. Loss Valuation / 3. Market value
    • G. Loss Valuation / 4. Stated value
    • G. Loss Valuation / 5. Salvage value
    • H. Proximate cause
    • I. Deductible
    • J. Indemnity
    • K. Limits of liability
    • L. Coinsurance/Insurance to value
    • M. Occurrence
    • N. Cancellation
    • O. Nonrenewal
    • P. Vacancy and unoccupancy
    • Q. Liability
    • Q. Liability / 1. Absolute
    • Q. Liability / 2. Strict
    • Q. Liability / 3. Vicarious
    • R. Negligence
    • S. Binder
    • T. Endorsements
    • U. Blanket vs. Specific
    • V. Burglary, Robbery, Theft, and Mysterious Disappearance
    • W. Warranties
    • X. Representations
    • Y. Concealment
    • Z. Deposit Premium/Audit
    • AA. Certificate of Insurance
    • BB. Damages
    • BB. Damages / 1. Compensatory
    • BB. Damages / 1. Compensatory / a. General
    • BB. Damages / 1. Compensatory / b. Special
    • BB. Damages / 2. Punitive
    • CC. Compliance with Provisions of Fair Credit Reporting Act
  • General knowledge — IV. PROPERTY AND CASUALTY POLICY PROVISIONS AND CONTRACT LAW (24 scored questions)
    • A. Declarations
    • B. Insuring agreement
    • C. Conditions
    • D. Exclusions
    • E. Definition of the insured
    • F. Duties of the insured after a loss
    • G. Obligations of the insurance company
    • H. Mortgagee rights
    • I. Proof of loss
    • J. Notice of claim
    • K. Appraisal
    • L. Other Insurance Provision
    • M. Subrogation
    • N. Elements of a contract
    • O. Sources of underwriting information
    • P. Fair Credit Reporting Act
    • Q. Privacy Protection (Gramm Leach Bliley)
    • R. Policy Application
    • S. Terrorism Risk Insurance Act (TRIA)
    • T. Cancellation and nonrenewal provisions
    • U. Supplementary payments
    • V. Loss settlement provisions including consent to settle a loss
    • W. Territory
  • Iowa specific — I. IOWA LAWS, RULES, AND REGULATIONS COMMON TO ALL LINES (25 scored questions)
    • A. Insurance Commissioner/Division
    • A. Insurance Commissioner/Division / 1. Broad powers and duties
    • A. Insurance Commissioner/Division / 2. Examination of records
    • A. Insurance Commissioner/Division / 3. Hearings
    • A. Insurance Commissioner/Division / 4. Penalties
    • A. Insurance Commissioner/Division / 5. Cease and desist
    • B. Licensing
    • B. Licensing / 1. Applications
    • B. Licensing / 2. Change of address
    • B. Licensing / 3. Licensing examinations
    • B. Licensing / 4. Resident/nonresident
    • B. Licensing / 5. Temporary license
    • B. Licensing / 6. Exemptions
    • B. Licensing / 7. Denial, renewal, termination of licenses
    • B. Licensing / 8. Commissions and referral fees
    • B. Licensing / 9. Company appointments
    • B. Licensing / 10. Continuing education
    • C. Unfair and Deceptive Practices
    • C. Unfair and Deceptive Practices / 1. Unfair discrimination
    • C. Unfair and Deceptive Practices / 2. Misrepresentation
    • C. Unfair and Deceptive Practices / 3. Rebating
    • C. Unfair and Deceptive Practices / 4. False information and advertising
    • C. Unfair and Deceptive Practices / 5. Claims settlement
    • C. Unfair and Deceptive Practices / 6. Defamation
    • C. Unfair and Deceptive Practices / 7. Boycott, coercion and intimidation
    • D. Iowa Insurance Fraud Act
    • E. Producer Responsibilities
    • E. Producer Responsibilities / 1. Prohibited Acts
    • E. Producer Responsibilities / 2. Use of credit information**
    • E. Producer Responsibilities / 2. Use of credit information** / a. Notification
    • E. Producer Responsibilities / 2. Use of credit information** / b. Adverse action
    • F. Guaranty Association
    • G. Definitions
    • G. Definitions / 1. Domestic, foreign, alien
    • G. Definitions / 3. Certificate of Authority
    • H. Surplus**
    • I. Insurance Notices and Documents - Electronic Delivery
  • Iowa specific — II. IOWA LAWS, RULES AND REGULATIONS PERTINENT TO PROPERTY INSURANCE ONLY (6 scored questions)
    • A. Iowa FAIR Plan Association
    • B. Cancellation/Nonrenewal
    • C. Standard Fire Policy
    • D. Private-passenger automobile insurance
    • D. Private-passenger automobile insurance / 1. Aftermarket parts regulation
    • E. Rate standards
  • Iowa specific — III. IOWA LAWS, RULES, AND REGULATIONS PERTINENT TO CASUALTY INSURANCE ONLY (6 scored questions)
    • A. Iowa Automobile Insurance Plan (Assigned Risk)
    • B. Private-passenger automobile insurance
    • B. Private-passenger automobile insurance / 1. Uninsured/Underinsured motorists coverage
    • B. Private-passenger automobile insurance / 1. Uninsured/Underinsured motorists coverage / 1. Rejection by the insured
    • B. Private-passenger automobile insurance / 2. Proof of financial responsibility
    • B. Private-passenger automobile insurance / 3. Cancellation and nonrenewal
    • C. Transportation Network Companies (ride-sharing services)
Examination sources

Credit

Examination outline
  • I. GENERAL INSURANCE TERMS AND CONCEPTS (5 scored questions)
    • A. Insurance
    • B. Insurable interest
    • C. Hazard
    • D. Indemnity
    • E. Indebtedness
  • II. CREDIT INSURANCE (20 scored questions)
    • A. Types of Credit Insurance
    • A. Types of Credit Insurance / 1. Consumer credit insurance
    • A. Types of Credit Insurance / 1. Consumer credit insurance / 1. Credit life
    • A. Types of Credit Insurance / 1. Consumer credit insurance / 2. Credit disability
    • A. Types of Credit Insurance / 2. Involuntary unemployment
    • A. Types of Credit Insurance / 3. Other forms of credit insurance
    • A. Types of Credit Insurance / 3. Other forms of credit insurance / 1. Credit property
    • A. Types of Credit Insurance / 3. Other forms of credit insurance / 2. Guaranteed automobile protection (GAP)
    • A. Types of Credit Insurance / 3. Other forms of credit insurance / 3. Mortgage guarantee (PMI)
    • A. Types of Credit Insurance / 3. Other forms of credit insurance / 4. Group mortgage life/ disability
    • B. Consumer Credit Insurance Definitions
    • B. Consumer Credit Insurance Definitions / 1. Rates
    • B. Consumer Credit Insurance Definitions / 2. Requirements
    • B. Consumer Credit Insurance Definitions / 3. Term of coverage
    • B. Consumer Credit Insurance Definitions / 4. Standard coverages
    • B. Consumer Credit Insurance Definitions / 5. Limitations of coverage
    • B. Consumer Credit Insurance Definitions / 6. Benefits
    • B. Consumer Credit Insurance Definitions / 7. Amounts of insurance
    • B. Consumer Credit Insurance Definitions / 8. Procedures for termination
    • B. Consumer Credit Insurance Definitions / 9. Refunds
    • B. Consumer Credit Insurance Definitions / 10. Premiums
  • III. IOWA LAWS, RULES, AND REGULATIONS PERTINENT TO CREDIT INSURANCE (20 scored questions)
    • A. Definitions
    • A. Definitions / 1. Creditor
    • A. Definitions / 2. Debtor
    • A. Definitions / 3. Credit transaction
    • B. Policy rates and forms
    • B. Policy rates and forms / 1. Adequate
    • B. Policy rates and forms / 2. Not excessive
    • B. Policy rates and forms / 3. Non-discriminatory
    • C. Disclosure
    • D. Free look period
    • E. Policy requirements
    • F. Refunds
    • G. Prohibited transactions
    • H. Preexisting conditions
    • I. Renewal or refinancing of a debt
    • J. Denial
    • K. Exclusions
    • L. Termination
  • IV. IOWA LAWS, RULES, AND REGULATIONS PERTINENT TO CREDIT LICENSING (5 scored questions)
    • A. Insurance Commissioner/Division
    • A. Insurance Commissioner/Division / 1. Broad powers and duties
    • A. Insurance Commissioner/Division / 2. Examination of records
    • A. Insurance Commissioner/Division / 3. Hearings
    • A. Insurance Commissioner/Division / 4. Penalties
    • A. Insurance Commissioner/Division / 5. Cease and desist
    • B. Licensing Requirements
    • B. Licensing Requirements / 1. Applications
    • B. Licensing Requirements / 2. Change of address
    • B. Licensing Requirements / 3. Licensing examinations
    • B. Licensing Requirements / 4. Resident/nonresident
    • B. Licensing Requirements / 5. Denial, renewal, termination of licenses
    • C. Unfair and Deceptive Practices
    • C. Unfair and Deceptive Practices / 1. Discrimination
    • C. Unfair and Deceptive Practices / 2. Misrepresentation
    • C. Unfair and Deceptive Practices / 3. Rebating
    • C. Unfair and Deceptive Practices / 4. Advertising
    • C. Unfair and Deceptive Practices / 5. Claims settlement
    • C. Unfair and Deceptive Practices / 6. Defamation
    • C. Unfair and Deceptive Practices / 7. Boycott, coercion and intimidation
    • C. Unfair and Deceptive Practices / 8. Iowa Insurance Fraud Act
Examination sources

Crop

Examination outline
  • I. GENERAL INSURANCE TERMS AND CONCEPTS (8 scored questions)
    • A. Insurable interest
    • B. Risk
    • C. Hazard
    • D. Peril
    • E. Loss
    • E. Loss / 1. Direct
    • E. Loss / 2. Indirect
    • F. Indemnity
    • G. Actual cash value
    • H. Limits of liability
    • I. Coinsurance
    • J. Occurrence
    • K. Negligence
    • L. Insuring agreement
    • M. Subrogation
    • N. Pro-rata liability
  • II. CROP HAIL INSURANCE (10 scored questions)
    • A. Policy rates
    • B. Coverages available
    • C. Policy provisions
    • C. Policy provisions / 1. NCIS general provisions
    • C. Policy provisions / 2. NCIS Special provisions
    • D. Liability
    • E. Claim settlement practices
    • E. Claim settlement practices / 1. Claim site assessment
    • E. Claim settlement practices / 2. Notice of loss
    • E. Claim settlement practices / 3. Insured’s duty
    • E. Claim settlement practices / 4. Percentage plan
    • E. Claim settlement practices / 5. Arbitration and appraisal
    • E. Claim settlement practices / 6. Loss payment
    • F. Cancellation and nonrenewal
    • G. NCIS policies
  • III. MULTIPLE PERIL INSURANCE (22 scored questions)
    • A. Fundamentals of MPCI
    • A. Fundamentals of MPCI / 1. Actual Production History (APH)
    • A. Fundamentals of MPCI / 2. Production Reporting
    • A. Fundamentals of MPCI / 3. Acreage Reporting
    • A. Fundamentals of MPCI / 4. Important Dates
    • A. Fundamentals of MPCI / 5. Written Agreements
    • A. Fundamentals of MPCI / 6. High Risk Land
    • A. Fundamentals of MPCI / 7. Actuarial Documents
    • A. Fundamentals of MPCI / 8. Insured Eligibility
    • A. Fundamentals of MPCI / 9. Units
    • A. Fundamentals of MPCI / 10. Coverage Levels
    • A. Fundamentals of MPCI / 11. Administrative Fees
    • A. Fundamentals of MPCI / 12. Life of the Policy
    • A. Fundamentals of MPCI / 13. Yield/Revenue Guarantees
    • B. Plans of Insurance
    • B. Plans of Insurance / 1. Common Crop Insurance Policy
    • B. Plans of Insurance / 1. Common Crop Insurance Policy / 1. Yield Protection
    • B. Plans of Insurance / 1. Common Crop Insurance Policy / 1. Yield Protection / (1) Catastrophic Risk Protection (CAT) Endorsement
    • B. Plans of Insurance / 1. Common Crop Insurance Policy / 2. Revenue Protection
    • B. Plans of Insurance / 1. Common Crop Insurance Policy / 3. Revenue Protection with Harvest Price Exclusion
    • B. Plans of Insurance / 2. Area Risk Protection Insurance Policy (ARPI)
    • B. Plans of Insurance / 2. Area Risk Protection Insurance Policy (ARPI) / 1. Area Revenue Protection (ARP)
    • B. Plans of Insurance / 2. Area Risk Protection Insurance Policy (ARPI) / 2. Area Revenue Protection with Harvest Price Exclusion (ARPwHPE)
    • B. Plans of Insurance / 2. Area Risk Protection Insurance Policy (ARPI) / 3. Area Yield Protection (AYP)
    • B. Plans of Insurance / 3. Livestock Risk Protection (LRP)
    • B. Plans of Insurance / 4. Livestock Gross Margin (LGM)
    • C. Policy Provisions
    • C. Policy Provisions / 1. Common/Basic Provisions
    • C. Policy Provisions / 2. Coarse Grains Provisions
    • C. Policy Provisions / 2. Coarse Grains Provisions / 1. Replant
    • C. Policy Provisions / 2. Coarse Grains Provisions / 2. Prevented Planting
    • C. Policy Provisions / 2. Coarse Grains Provisions / 3. Late Planting
    • C. Policy Provisions / 3. Catastrophic Risk Protection (CAT) Endorsement
    • D. Claims
    • D. Claims / 1. Covered Perils
    • D. Claims / 2. Loss Reporting Requirements
    • D. Claims / 3. Duties After a Loss
  • IV. IOWA LAWS, RULES, AND REGULATIONS PERTINENT TO CROP INSURANCE (10 scored questions)
    • A. Insurance Commissioner/Division
    • A. Insurance Commissioner/Division / 1. Broad powers and duties
    • A. Insurance Commissioner/Division / 2. Examination of records
    • A. Insurance Commissioner/Division / 3. Hearings
    • A. Insurance Commissioner/Division / 4. Penalties
    • A. Insurance Commissioner/Division / 5. Cease and desist
    • B. Licensing Requirements
    • B. Licensing Requirements / 1. Applications
    • B. Licensing Requirements / 2. Change of address
    • B. Licensing Requirements / 3. Licensing examinations
    • B. Licensing Requirements / 4. Resident/nonresident
    • B. Licensing Requirements / 5. Temporary license
    • B. Licensing Requirements / 6. Exemptions
    • B. Licensing Requirements / 7. Denial, renewal, termination of licenses
    • B. Licensing Requirements / 8. Continuing education
    • C. Unfair and Deceptive Practices
    • C. Unfair and Deceptive Practices / 1. Discrimination
    • C. Unfair and Deceptive Practices / 2. Misrepresentation
    • C. Unfair and Deceptive Practices / 3. Rebating
    • C. Unfair and Deceptive Practices / 4. Advertising
    • C. Unfair and Deceptive Practices / 5. Claims settlement
    • C. Unfair and Deceptive Practices / 6. Defamation
    • C. Unfair and Deceptive Practices / 7. Boycott, coercion and intimidation
    • C. Unfair and Deceptive Practices / 8. Iowa Insurance Fraud Act
    • D. Iowa Crop Hail Insurance Law
    • D. Iowa Crop Hail Insurance Law / 1. Rate filings
    • D. Iowa Crop Hail Insurance Law / 2. Notice of claim
Examination sources

Excess & Surplus Lines

Examination outline
  • I. GENERAL INSURANCE DEFINITIONS (8 scored questions)
    • A. Insurable interest
    • B. Loss (direct vs. indirect)
    • C. Negligence
    • D. Physical hazard
    • E. Proximate cause
    • F. Reinsurance
    • G. Replacement cost
    • H. Risk
  • II. SURPLUS LINES MARKETS (8 scored questions)
    • A. United States nonadmitted market
    • A. United States nonadmitted market / 1. Definitions
    • A. United States nonadmitted market / 1. Definitions / 1. Eligible surplus lines carriers in Iowa
    • B. London market
    • B. London market / 1. Lloyd’s brokers
    • C. Coverages
    • C. Coverages / 1. Property
    • C. Coverages / 2. General liability
    • C. Coverages / 3. Professional liability
    • D. Insurance exchanges
  • III. POLICIES, COVERAGES, FORMS (10 scored questions)
    • A. Commercial General Liability
    • B. Building and Personal Property
    • C. Claims Made
    • D. Extended coverage
    • E. Employee Dishonesty
    • F. Liability
    • F. Liability / 1. Contingent
    • F. Liability / 2. Umbrella
    • F. Liability / 3. Contractual
  • IV. SURPLUS LINES LICENSING (12 scored questions)
    • A. Powers and duties of the Insurance Commissioner
    • B. License requirements, issuance
    • C. Unfair and Deceptive Practices
  • V. IOWA SURPLUS LINES LAW (12 scored questions)
    • A. Purpose
    • B. Reports, records
    • C. Coverage and Eligibility
    • D. Premiums, evidence of insurance
    • E. Premium tax
    • F. Multi-State risks
    • G. Qualifications for Surplus Lines Insurers
    • G. Qualifications for Surplus Lines Insurers / 1. Alien vs. Foreign
    • G. Qualifications for Surplus Lines Insurers / 2. Removal
    • H. Disclosure
    • I. Premium Rates
    • J. Exempt commercial purchasers
Examination sources

Property

Examination outline
  • General knowledge — I. TYPES OF POLICIES (22 scored questions)
    • A. Homeowners
    • A. Homeowners / 1. HO-2
    • A. Homeowners / 2. HO-3
    • A. Homeowners / 3. HO-4
    • A. Homeowners / 4. HO-5
    • A. Homeowners / 5. HO-6
    • A. Homeowners / 6. HO-8
    • B. Dwelling policies
    • B. Dwelling policies / 1. DP-1
    • B. Dwelling policies / 2. DP-2
    • B. Dwelling policies / 3. DP-3
    • C. Commercial lines
    • C. Commercial lines / 1. Commercial Package Policy (CPP)
    • C. Commercial lines / 2. Commercial property
    • C. Commercial lines / 2. Commercial property / 1. Commercial building and business personal property form
    • C. Commercial lines / 2. Commercial property / 2. Causes of loss forms
    • C. Commercial lines / 2. Commercial property / 3. Business income
    • C. Commercial lines / 2. Commercial property / 4. Extra expense
    • C. Commercial lines / 2. Commercial property / 5. Equipment breakdown
    • C. Commercial lines / 3. Business Owners Policy (BOP)
    • C. Commercial lines / 4. Builders Risk
    • C. Commercial lines / 5. Cyber First-Party Coverage
    • D. Inland marine
    • D. Inland marine / 1. Personal Articles floaters
    • D. Inland marine / 2. Commercial Property floaters
    • E. National Flood Insurance Program
    • F. Others
    • F. Others / 1. Earthquake
    • F. Others / 2. Mobile Homes
    • F. Others / 3. Watercraft
    • F. Others / 4. Farm Owners
    • F. Others / 5. Windstorm
  • General knowledge — II. INSURANCE TERMS AND RELATED CONCEPTS (15 scored questions)
    • A. Insurance
    • A. Insurance / 1. Law of Large Numbers
    • B. Insurable interest
    • C. Risk
    • C. Risk / 1. Pure vs. Speculative Risk
    • D. Hazard
    • D. Hazard / 1. Moral
    • D. Hazard / 2. Morale
    • D. Hazard / 3. Physical
    • E. Peril
    • F. Loss
    • F. Loss / 1. Direct
    • F. Loss / 2. Indirect
    • G. Loss Valuation
    • G. Loss Valuation / 1. Actual cash value
    • G. Loss Valuation / 2. Replacement cost
    • G. Loss Valuation / 3. Market value
    • G. Loss Valuation / 4. Stated/agreed value
    • G. Loss Valuation / 5. Salvage value
    • H. Proximate cause
    • I. Deductible
    • J. Indemnity
    • K. Limits of liability
    • L. Coinsurance/Insurance to value
    • M. Occurrence
    • N. Cancellation
    • O. Nonrenewal
    • P. Vacancy and unoccupancy
    • Q. Liability
    • Q. Liability / 1. Absolute
    • Q. Liability / 2. Strict
    • Q. Liability / 3. Vicarious
    • R. Negligence
    • S. Binder
    • T. Endorsements
    • U. Blanket vs. Specific
  • General knowledge — III. POLICY PROVISIONS AND CONTRACT LAW (13 scored questions)
    • A. Declarations
    • B. Insuring agreement
    • C. Conditions
    • D. Exclusions
    • E. Definition of the insured
    • F. Duties of the insured
    • G. Obligations of the insurance company
    • H. Mortgagee rights
    • I. Proof of loss
    • J. Notice of claim
    • K. Appraisal
    • L. Other Insurance Provision
    • M. Subrogation
    • N. Elements of a contract
    • O. Warranties, representations, and concealment
    • P. Sources of underwriting information
    • Q. Fair Credit Reporting Act
    • R. Privacy Protection (Gramm Leach Bliley)
    • S. Policy Application
    • T. Terrorism Risk Insurance Act (TRIA)
    • U. Territory
  • Iowa specific — I. IOWA LAWS, RULES, AND REGULATIONS COMMON TO ALL LINES (25 scored questions)
    • A. Insurance Commissioner/Division
    • A. Insurance Commissioner/Division / 1. Broad powers and duties
    • A. Insurance Commissioner/Division / 2. Examination of records
    • A. Insurance Commissioner/Division / 3. Hearings
    • A. Insurance Commissioner/Division / 4. Penalties
    • A. Insurance Commissioner/Division / 5. Cease and desist
    • B. Licensing
    • B. Licensing / 1. Applications
    • B. Licensing / 2. Change of address
    • B. Licensing / 3. Licensing examinations
    • B. Licensing / 4. Resident/nonresident
    • B. Licensing / 5. Temporary license
    • B. Licensing / 6. Exemptions
    • B. Licensing / 7. Denial, renewal, termination of licenses
    • B. Licensing / 8. Commissions and referral fees
    • B. Licensing / 9. Company appointments
    • B. Licensing / 10. Continuing education
    • C. Unfair and Deceptive Practices
    • C. Unfair and Deceptive Practices / 1. Unfair discrimination
    • C. Unfair and Deceptive Practices / 2. Misrepresentation
    • C. Unfair and Deceptive Practices / 3. Rebating
    • C. Unfair and Deceptive Practices / 4. False information and advertising
    • C. Unfair and Deceptive Practices / 5. Claims settlement
    • C. Unfair and Deceptive Practices / 6. Defamation
    • C. Unfair and Deceptive Practices / 7. Boycott, coercion and intimidation
    • D. Iowa Insurance Fraud Act
    • E. Producer Responsibilities
    • E. Producer Responsibilities / 1. Prohibited Acts
    • E. Producer Responsibilities / 2. Use of credit information**
    • E. Producer Responsibilities / 2. Use of credit information** / a. Notification
    • E. Producer Responsibilities / 2. Use of credit information** / b. Adverse action
    • F. Guaranty Association
    • G. Definitions
    • G. Definitions / 1. Domestic, foreign, alien
    • G. Definitions / 2. Fraternal benefit society*
    • G. Definitions / 3. Certificate of Authority
    • H. Surplus**
    • I. Insurance Notices and Documents - Electronic Delivery
  • Iowa specific — II. IOWA LAWS, RULES, AND REGULATIONS PERTINENT TO PROPERTY INSURANCE (6 scored questions)
    • A. Iowa FAIR Plan Association
    • B. Cancellation/Nonrenewal
    • C. Standard Fire Policy
    • D. Private-passenger automobile insurance
    • D. Private-passenger automobile insurance / 1. Aftermarket parts regulation
    • E. Rate standards
Examination sources