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New Mexico Property & Casualty Insurance — Requirements & Free Practice

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Managing General Agent — Property and Casualty

Specialized producer form; individuals and business entities use the respective ordinary producer qualification requirements.

Licensing authority: New Mexico Office of Superintendent of Insurance · Application information

Add requested authority to existing producer license

At least one of the following alternatives:

  • New Mexico Property and Casualty Insurance (practice unavailable)

  • All of the following:

Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Existing license
Existing license; request additional authority and the amendment application. An already-held line does not require an additional sitting; this tree covers the requested line scope.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Requested authority
Both Property and Casualty: combined Series 18-31 or both separate Series 18-28 and 18-29.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Specialty
Managing general agent for property/casualty insurer: satisfy the Managing General Agents Law, written insurer contract, any OSI-required bond/errors-and-omissions policy and seven-year record retention.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.
Business entity specialty producer initial licensure
No examination is required for this applicant pathway.
Application
Uniform business application signed by authorized partner/officer, owner/officer information, governing-document authority and fees.
Entity
Partnership, LLC, LLP or corporation; sole proprietorships do not apply as business entities.
Individual licensing
Individuals exercising powers have separate individual license applications; their exam requirements are retained above.
Responsible producers
Designate NM-licensed individuals whose lines cumulatively cover all requested authority; affiliate a licensed producer who exercises powers.
Specialty
Managing general agent for property/casualty insurer: satisfy the Managing General Agents Law, written insurer contract, any OSI-required bond/errors-and-omissions policy and seven-year record retention.

Official no-examination sources

Effective from 2025-04-01.

Business entity specialty reinstatement
No examination is required for this applicant pathway.
Application
Inactive or surrendered entity uses the new-license application and current specialty conditions.
Entity
Partnership, LLC, LLP or corporation; sole proprietorships do not apply as business entities.
Individual licensing
Individuals exercising powers have separate individual license applications; their exam requirements are retained above.
Responsible producers
Designate NM-licensed individuals whose lines cumulatively cover all requested authority; affiliate a licensed producer who exercises powers.
Specialty
Managing general agent for property/casualty insurer: satisfy the Managing General Agents Law, written insurer contract, any OSI-required bond/errors-and-omissions policy and seven-year record retention.

Official no-examination sources

Effective from 2025-04-01.

Business entity specialty producer renewal
No examination is required for this applicant pathway.
Application
Uniform business application signed by authorized partner/officer, owner/officer information, governing-document authority and fees.
Entity
Partnership, LLC, LLP or corporation; sole proprietorships do not apply as business entities.
Individual licensing
Individuals exercising powers have separate individual license applications; their exam requirements are retained above.
Renewal
Applicable entity/affiliation continuation schedule; individual competence review applies to separately licensed persons.
Responsible producers
Designate NM-licensed individuals whose lines cumulatively cover all requested authority; affiliate a licensed producer who exercises powers.
Specialty
Managing general agent for property/casualty insurer: satisfy the Managing General Agents Law, written insurer contract, any OSI-required bond/errors-and-omissions policy and seven-year record retention.

Official no-examination sources

Effective from 2025-04-01.

Business entity specialty relicensing after revocation
No examination is required for this applicant pathway.
Application
Uniform business application signed by authorized partner/officer, owner/officer information, governing-document authority and fees.
Cause
Show current qualification and that revocation/refusal causes no longer exist or recur.
Entity
Partnership, LLC, LLP or corporation; sole proprietorships do not apply as business entities.
Individual licensing
Individuals exercising powers have separate individual license applications; their exam requirements are retained above.
Responsible producers
Designate NM-licensed individuals whose lines cumulatively cover all requested authority; affiliate a licensed producer who exercises powers.
Specialty
Managing general agent for property/casualty insurer: satisfy the Managing General Agents Law, written insurer contract, any OSI-required bond/errors-and-omissions policy and seven-year record retention.

Official no-examination sources

Effective from 2025-04-01.

Business entity specialty reinstatement after suspension
No examination is required for this applicant pathway.
Application
Uniform business application signed by authorized partner/officer, owner/officer information, governing-document authority and fees.
Cause
Request reinstatement when the suspension ends and its causes cease.
Entity
Partnership, LLC, LLP or corporation; sole proprietorships do not apply as business entities.
Individual licensing
Individuals exercising powers have separate individual license applications; their exam requirements are retained above.
Responsible producers
Designate NM-licensed individuals whose lines cumulatively cover all requested authority; affiliate a licensed producer who exercises powers.
Specialty
Managing general agent for property/casualty insurer: satisfy the Managing General Agents Law, written insurer contract, any OSI-required bond/errors-and-omissions policy and seven-year record retention.

Official no-examination sources

Effective from 2025-04-01.

Resident licensure with CPCU designation
No examination is required for this applicant pathway.
Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Designation
Hold the Chartered Property and Casualty Underwriter designation; examination is exempt under 59A-12-16(E)(4).
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Requested authority
Both Property and Casualty: combined Series 18-31 or both separate Series 18-28 and 18-29.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Specialty
Managing general agent for property/casualty insurer: satisfy the Managing General Agents Law, written insurer contract, any OSI-required bond/errors-and-omissions policy and seven-year record retention.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.

Official no-examination sources

Effective from 2025-04-01.

Resident licensure by examination

At least one of the following alternatives:

  • New Mexico Property and Casualty Insurance (practice unavailable)

  • All of the following:

Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Requested authority
Both Property and Casualty: combined Series 18-31 or both separate Series 18-28 and 18-29.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Specialty
Managing general agent for property/casualty insurer: satisfy the Managing General Agents Law, written insurer contract, any OSI-required bond/errors-and-omissions policy and seven-year record retention.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.
Nonresident reciprocal licensure
No examination is required for this applicant pathway.
Application
Submit home-state/uniform application and fees, and appoint the superintendent for process and agree to appearances under 59A-12-25.
Home state
Current home-state resident license in good standing, equivalent lines and reciprocal recognition.
Requested authority
Both Property and Casualty: combined Series 18-31 or both separate Series 18-28 and 18-29.
Specialty
Managing general agent for property/casualty insurer: satisfy the Managing General Agents Law, written insurer contract, any OSI-required bond/errors-and-omissions policy and seven-year record retention.

Official no-examination sources

Effective from 2025-04-01.

Resident licensure within ninety days of prior state cancellation
No examination is required for this applicant pathway.
Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Prior license
Apply within 90 days after cancellation for the same lines, with the prior state’s good-standing certification or NAIC database records.
Requested authority
Both Property and Casualty: combined Series 18-31 or both separate Series 18-28 and 18-29.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Specialty
Managing general agent for property/casualty insurer: satisfy the Managing General Agents Law, written insurer contract, any OSI-required bond/errors-and-omissions policy and seven-year record retention.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.

Official no-examination sources

Effective from 2025-04-01.

Resident licensure based on current prior state license
No examination is required for this applicant pathway.
Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Prior license
Current license in good standing for the same lines in another state; its examination is applicant evidence, never a New Mexico leaf.
Requested authority
Both Property and Casualty: combined Series 18-31 or both separate Series 18-28 and 18-29.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Specialty
Managing general agent for property/casualty insurer: satisfy the Managing General Agents Law, written insurer contract, any OSI-required bond/errors-and-omissions policy and seven-year record retention.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.

Official no-examination sources

Effective from 2025-04-01.

Resident licensure based on reciprocal comparable examination
No examination is required for this applicant pathway.
Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Prior exam
Took and passed a similar examination in the state in which licensed, subject to 59A-5-33 reciprocity; that state’s exam is a condition.
Requested authority
Both Property and Casualty: combined Series 18-31 or both separate Series 18-28 and 18-29.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Specialty
Managing general agent for property/casualty insurer: satisfy the Managing General Agents Law, written insurer contract, any OSI-required bond/errors-and-omissions policy and seven-year record retention.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.

Official no-examination sources

Effective from 2025-04-01.

Reinstatement within twelve months of lapse
No examination is required for this applicant pathway.
Lapse
Restore the same license within 12 months of the renewal fee due date, pay double the unpaid fee and complete missing CE.
Requested authority
Both Property and Casualty: combined Series 18-31 or both separate Series 18-28 and 18-29.
Specialty
Managing general agent for property/casualty insurer: satisfy the Managing General Agents Law, written insurer contract, any OSI-required bond/errors-and-omissions policy and seven-year record retention.

Official no-examination sources

Effective from 2025-04-01.

Resident relicensing after the one year exemption window

At least one of the following alternatives:

  • New Mexico Property and Casualty Insurance (practice unavailable)

  • All of the following:

Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Controlling reading
The statute’s one-year window outranks 13.4.2.11(B)(2)’s five-year statement.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Lapse
Outside the one-year statutory exemption, satisfy ordinary examinations unless independently qualifying for another exemption.
Lower ranked rule
(2) Reexamination is not required for resident applicants who have been licensed in this state within the five years prior to the date of the new application and who seek to be relicensed for the same line or lines of insurance. This exemption does not apply if the previous license was suspended or revoked, if continuation of the license was refused by the superintendent or if the applicant did not previously take and pass an exam in this state.
Requested authority
Both Property and Casualty: combined Series 18-31 or both separate Series 18-28 and 18-29.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Specialty
Managing general agent for property/casualty insurer: satisfy the Managing General Agents Law, written insurer contract, any OSI-required bond/errors-and-omissions policy and seven-year record retention.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.
Same line relicensing within one year
No examination is required for this applicant pathway.
Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Controlling reading
Apply 59A-12-16(E)(6)’s one-year exemption. Record the rule’s five-year window and its previous NM exam condition without changing the superior statutory requirement.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Lower ranked rule
(2) Reexamination is not required for resident applicants who have been licensed in this state within the five years prior to the date of the new application and who seek to be relicensed for the same line or lines of insurance. This exemption does not apply if the previous license was suspended or revoked, if continuation of the license was refused by the superintendent or if the applicant did not previously take and pass an exam in this state.
Prior license
Similar NM license for the same kind(s) within one year; no suspension, revocation or refusal to continue.
Requested authority
Both Property and Casualty: combined Series 18-31 or both separate Series 18-28 and 18-29.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Specialty
Managing general agent for property/casualty insurer: satisfy the Managing General Agents Law, written insurer contract, any OSI-required bond/errors-and-omissions policy and seven-year record retention.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.

Official no-examination sources

Effective from 2025-04-01.

Resident licensure after relocation
No examination is required for this applicant pathway.
Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Implementation waiver
Previous Resident or DHS License must be cancelled no mo re than 90 days , prior to applying. Must not have an Active Non- Resident license in New Mexico. If a Non Resident License is held , it must be “inactive” or surrendered at least 1 day prior to appl ying as a Resident. License / LOA Cancellation form Must apply for the same license type and Lines of Authority (LOA) held with previous R esident or DHS License .
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Relocation
Apply within 90 days after establishing legal residence for lines previously held; no examination under 59A-12-16(G) unless the superintendent determines otherwise by rule.
Requested authority
Both Property and Casualty: combined Series 18-31 or both separate Series 18-28 and 18-29.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Specialty
Managing general agent for property/casualty insurer: satisfy the Managing General Agents Law, written insurer contract, any OSI-required bond/errors-and-omissions policy and seven-year record retention.
Waiver source
OSI Individual Exam Waiver Instructions.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.

Official no-examination sources

Effective from 2025-04-01.

Renewal or continuation

At least one of the following alternatives:

  • New Mexico Property and Casualty Insurance (practice unavailable)

  • All of the following:

Conditional examination
No routine examination, but 59A-11-10(D) identifies the new-individual-applicant written examination that OSI may order if competence is questioned.
Renewal
Biennial birth-month renewal, fees and 24 CE credits including 3 ethics credits unless exempt; home-state CE satisfies reciprocal nonresident obligations.
Requested authority
Both Property and Casualty: combined Series 18-31 or both separate Series 18-28 and 18-29.
Specialty
Managing general agent for property/casualty insurer: satisfy the Managing General Agents Law, written insurer contract, any OSI-required bond/errors-and-omissions policy and seven-year record retention.
Waiver
Under 59A-12-17(E), military service or other extenuating circumstances permit a request to waive renewal procedures, any examination, fines or sanctions.
Relicensing following revocation or refusal to continue

At least one of the following alternatives:

  • New Mexico Property and Casualty Insurance (practice unavailable)

  • All of the following:

Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Board satisfaction
Show current qualification and that continuing causes no longer exist or recur; contact OSI. The lapse exemption excludes revoked/refused applicants; independently applicable statutory exemptions retain their own routes.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Requested authority
Both Property and Casualty: combined Series 18-31 or both separate Series 18-28 and 18-29.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Specialty
Managing general agent for property/casualty insurer: satisfy the Managing General Agents Law, written insurer contract, any OSI-required bond/errors-and-omissions policy and seven-year record retention.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.
Reinstatement at suspension end
No examination is required for this applicant pathway.
Parental responsibility
Supply evidence of compliance where the suspension involved the Parental Responsibility Act.
Requested authority
Both Property and Casualty: combined Series 18-31 or both separate Series 18-28 and 18-29.
Specialty
Managing general agent for property/casualty insurer: satisfy the Managing General Agents Law, written insurer contract, any OSI-required bond/errors-and-omissions policy and seven-year record retention.
Suspension
Request restoration when suspension ends and its causes no longer exist or recur; otherwise OSI revokes.

Official no-examination sources

Effective from 2025-04-01.

Personal Lines Insurance Producer

Statutorily restricted general-lines producer for primarily noncommercial property and casualty risks.

Licensing authority: New Mexico Office of Superintendent of Insurance · Application information

Add requested authority to existing producer license
New Mexico Personal Lines Insurance
Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Existing license
Existing license; request additional authority and the amendment application. An already-held line does not require an additional sitting; this tree covers the requested line scope.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Requested authority
Personal Lines: noncommercial property/casualty for individuals and families; cannot be held together with Property and Casualty under the state NIPR instructions.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.
Resident licensure with CPCU designation
No examination is required for this applicant pathway.
Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Designation
Hold the Chartered Property and Casualty Underwriter designation; examination is exempt under 59A-12-16(E)(4).
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Requested authority
Personal Lines: noncommercial property/casualty for individuals and families; cannot be held together with Property and Casualty under the state NIPR instructions.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.

Official no-examination sources

Effective from 2025-04-01.

Resident licensure by examination
New Mexico Personal Lines Insurance
Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Requested authority
Personal Lines: noncommercial property/casualty for individuals and families; cannot be held together with Property and Casualty under the state NIPR instructions.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.
Nonresident reciprocal licensure
No examination is required for this applicant pathway.
Application
Submit home-state/uniform application and fees, and appoint the superintendent for process and agree to appearances under 59A-12-25.
Home state
Current home-state resident license in good standing, equivalent lines and reciprocal recognition.
Requested authority
Personal Lines: noncommercial property/casualty for individuals and families; cannot be held together with Property and Casualty under the state NIPR instructions.

Official no-examination sources

Effective from 2025-04-01.

Resident licensure within ninety days of prior state cancellation
No examination is required for this applicant pathway.
Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Prior license
Apply within 90 days after cancellation for the same lines, with the prior state’s good-standing certification or NAIC database records.
Requested authority
Personal Lines: noncommercial property/casualty for individuals and families; cannot be held together with Property and Casualty under the state NIPR instructions.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.

Official no-examination sources

Effective from 2025-04-01.

Resident licensure based on current prior state license
No examination is required for this applicant pathway.
Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Prior license
Current license in good standing for the same lines in another state; its examination is applicant evidence, never a New Mexico leaf.
Requested authority
Personal Lines: noncommercial property/casualty for individuals and families; cannot be held together with Property and Casualty under the state NIPR instructions.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.

Official no-examination sources

Effective from 2025-04-01.

Resident licensure based on reciprocal comparable examination
No examination is required for this applicant pathway.
Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Prior exam
Took and passed a similar examination in the state in which licensed, subject to 59A-5-33 reciprocity; that state’s exam is a condition.
Requested authority
Personal Lines: noncommercial property/casualty for individuals and families; cannot be held together with Property and Casualty under the state NIPR instructions.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.

Official no-examination sources

Effective from 2025-04-01.

Reinstatement within twelve months of lapse
No examination is required for this applicant pathway.
Lapse
Restore the same license within 12 months of the renewal fee due date, pay double the unpaid fee and complete missing CE.
Requested authority
Personal Lines: noncommercial property/casualty for individuals and families; cannot be held together with Property and Casualty under the state NIPR instructions.

Official no-examination sources

Effective from 2025-04-01.

Resident relicensing after the one year exemption window
New Mexico Personal Lines Insurance
Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Controlling reading
The statute’s one-year window outranks 13.4.2.11(B)(2)’s five-year statement.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Lapse
Outside the one-year statutory exemption, satisfy ordinary examinations unless independently qualifying for another exemption.
Lower ranked rule
(2) Reexamination is not required for resident applicants who have been licensed in this state within the five years prior to the date of the new application and who seek to be relicensed for the same line or lines of insurance. This exemption does not apply if the previous license was suspended or revoked, if continuation of the license was refused by the superintendent or if the applicant did not previously take and pass an exam in this state.
Requested authority
Personal Lines: noncommercial property/casualty for individuals and families; cannot be held together with Property and Casualty under the state NIPR instructions.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.
Same line relicensing within one year
No examination is required for this applicant pathway.
Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Controlling reading
Apply 59A-12-16(E)(6)’s one-year exemption. Record the rule’s five-year window and its previous NM exam condition without changing the superior statutory requirement.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Lower ranked rule
(2) Reexamination is not required for resident applicants who have been licensed in this state within the five years prior to the date of the new application and who seek to be relicensed for the same line or lines of insurance. This exemption does not apply if the previous license was suspended or revoked, if continuation of the license was refused by the superintendent or if the applicant did not previously take and pass an exam in this state.
Prior license
Similar NM license for the same kind(s) within one year; no suspension, revocation or refusal to continue.
Requested authority
Personal Lines: noncommercial property/casualty for individuals and families; cannot be held together with Property and Casualty under the state NIPR instructions.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.

Official no-examination sources

Effective from 2025-04-01.

Resident licensure after relocation
No examination is required for this applicant pathway.
Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Implementation waiver
Previous Resident or DHS License must be cancelled no mo re than 90 days , prior to applying. Must not have an Active Non- Resident license in New Mexico. If a Non Resident License is held , it must be “inactive” or surrendered at least 1 day prior to appl ying as a Resident. License / LOA Cancellation form Must apply for the same license type and Lines of Authority (LOA) held with previous R esident or DHS License .
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Relocation
Apply within 90 days after establishing legal residence for lines previously held; no examination under 59A-12-16(G) unless the superintendent determines otherwise by rule.
Requested authority
Personal Lines: noncommercial property/casualty for individuals and families; cannot be held together with Property and Casualty under the state NIPR instructions.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Waiver source
OSI Individual Exam Waiver Instructions.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.

Official no-examination sources

Effective from 2025-04-01.

Renewal or continuation
New Mexico Personal Lines Insurance
Conditional examination
No routine examination, but 59A-11-10(D) identifies the new-individual-applicant written examination that OSI may order if competence is questioned.
Renewal
Biennial birth-month renewal, fees and 24 CE credits including 3 ethics credits unless exempt; home-state CE satisfies reciprocal nonresident obligations.
Requested authority
Personal Lines: noncommercial property/casualty for individuals and families; cannot be held together with Property and Casualty under the state NIPR instructions.
Waiver
Under 59A-12-17(E), military service or other extenuating circumstances permit a request to waive renewal procedures, any examination, fines or sanctions.
Relicensing following revocation or refusal to continue
New Mexico Personal Lines Insurance
Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Board satisfaction
Show current qualification and that continuing causes no longer exist or recur; contact OSI. The lapse exemption excludes revoked/refused applicants; independently applicable statutory exemptions retain their own routes.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Requested authority
Personal Lines: noncommercial property/casualty for individuals and families; cannot be held together with Property and Casualty under the state NIPR instructions.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.
Reinstatement at suspension end
No examination is required for this applicant pathway.
Parental responsibility
Supply evidence of compliance where the suspension involved the Parental Responsibility Act.
Requested authority
Personal Lines: noncommercial property/casualty for individuals and families; cannot be held together with Property and Casualty under the state NIPR instructions.
Suspension
Request restoration when suspension ends and its causes no longer exist or recur; otherwise OSI revokes.

Official no-examination sources

Effective from 2025-04-01.

Insurance Producer — Property and Casualty

Individual producer authority for property, casualty or both. Broker is a role within this license under 59A-12-3; surplus lines are separately governed under 59A-12-1 and Article 14.

Licensing authority: New Mexico Office of Superintendent of Insurance · Application information

Add requested authority to existing producer license

At least one of the following alternatives:

  • New Mexico Property and Casualty Insurance (practice unavailable)

  • All of the following:

Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Existing license
Existing license; request additional authority and the amendment application. An already-held line does not require an additional sitting; this tree covers the requested line scope.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Requested authority
Both Property and Casualty: combined Series 18-31 or both separate Series 18-28 and 18-29.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.
Resident licensure with CPCU designation
No examination is required for this applicant pathway.
Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Designation
Hold the Chartered Property and Casualty Underwriter designation; examination is exempt under 59A-12-16(E)(4).
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Requested authority
Both Property and Casualty: combined Series 18-31 or both separate Series 18-28 and 18-29.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.

Official no-examination sources

Effective from 2025-04-01.

Resident licensure by examination

At least one of the following alternatives:

  • New Mexico Property and Casualty Insurance (practice unavailable)

  • All of the following:

Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Requested authority
Both Property and Casualty: combined Series 18-31 or both separate Series 18-28 and 18-29.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.
Nonresident reciprocal licensure
No examination is required for this applicant pathway.
Application
Submit home-state/uniform application and fees, and appoint the superintendent for process and agree to appearances under 59A-12-25.
Home state
Current home-state resident license in good standing, equivalent lines and reciprocal recognition.
Requested authority
Both Property and Casualty: combined Series 18-31 or both separate Series 18-28 and 18-29.

Official no-examination sources

Effective from 2025-04-01.

Resident licensure within ninety days of prior state cancellation
No examination is required for this applicant pathway.
Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Prior license
Apply within 90 days after cancellation for the same lines, with the prior state’s good-standing certification or NAIC database records.
Requested authority
Both Property and Casualty: combined Series 18-31 or both separate Series 18-28 and 18-29.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.

Official no-examination sources

Effective from 2025-04-01.

Resident licensure based on current prior state license
No examination is required for this applicant pathway.
Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Prior license
Current license in good standing for the same lines in another state; its examination is applicant evidence, never a New Mexico leaf.
Requested authority
Both Property and Casualty: combined Series 18-31 or both separate Series 18-28 and 18-29.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.

Official no-examination sources

Effective from 2025-04-01.

Resident licensure based on reciprocal comparable examination
No examination is required for this applicant pathway.
Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Prior exam
Took and passed a similar examination in the state in which licensed, subject to 59A-5-33 reciprocity; that state’s exam is a condition.
Requested authority
Both Property and Casualty: combined Series 18-31 or both separate Series 18-28 and 18-29.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.

Official no-examination sources

Effective from 2025-04-01.

Reinstatement within twelve months of lapse
No examination is required for this applicant pathway.
Lapse
Restore the same license within 12 months of the renewal fee due date, pay double the unpaid fee and complete missing CE.
Requested authority
Both Property and Casualty: combined Series 18-31 or both separate Series 18-28 and 18-29.

Official no-examination sources

Effective from 2025-04-01.

Resident relicensing after the one year exemption window

At least one of the following alternatives:

  • New Mexico Property and Casualty Insurance (practice unavailable)

  • All of the following:

Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Controlling reading
The statute’s one-year window outranks 13.4.2.11(B)(2)’s five-year statement.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Lapse
Outside the one-year statutory exemption, satisfy ordinary examinations unless independently qualifying for another exemption.
Lower ranked rule
(2) Reexamination is not required for resident applicants who have been licensed in this state within the five years prior to the date of the new application and who seek to be relicensed for the same line or lines of insurance. This exemption does not apply if the previous license was suspended or revoked, if continuation of the license was refused by the superintendent or if the applicant did not previously take and pass an exam in this state.
Requested authority
Both Property and Casualty: combined Series 18-31 or both separate Series 18-28 and 18-29.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.
Same line relicensing within one year
No examination is required for this applicant pathway.
Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Controlling reading
Apply 59A-12-16(E)(6)’s one-year exemption. Record the rule’s five-year window and its previous NM exam condition without changing the superior statutory requirement.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Lower ranked rule
(2) Reexamination is not required for resident applicants who have been licensed in this state within the five years prior to the date of the new application and who seek to be relicensed for the same line or lines of insurance. This exemption does not apply if the previous license was suspended or revoked, if continuation of the license was refused by the superintendent or if the applicant did not previously take and pass an exam in this state.
Prior license
Similar NM license for the same kind(s) within one year; no suspension, revocation or refusal to continue.
Requested authority
Both Property and Casualty: combined Series 18-31 or both separate Series 18-28 and 18-29.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.

Official no-examination sources

Effective from 2025-04-01.

Resident licensure after relocation
No examination is required for this applicant pathway.
Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Implementation waiver
Previous Resident or DHS License must be cancelled no mo re than 90 days , prior to applying. Must not have an Active Non- Resident license in New Mexico. If a Non Resident License is held , it must be “inactive” or surrendered at least 1 day prior to appl ying as a Resident. License / LOA Cancellation form Must apply for the same license type and Lines of Authority (LOA) held with previous R esident or DHS License .
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Relocation
Apply within 90 days after establishing legal residence for lines previously held; no examination under 59A-12-16(G) unless the superintendent determines otherwise by rule.
Requested authority
Both Property and Casualty: combined Series 18-31 or both separate Series 18-28 and 18-29.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Waiver source
OSI Individual Exam Waiver Instructions.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.

Official no-examination sources

Effective from 2025-04-01.

Renewal or continuation

At least one of the following alternatives:

  • New Mexico Property and Casualty Insurance (practice unavailable)

  • All of the following:

Conditional examination
No routine examination, but 59A-11-10(D) identifies the new-individual-applicant written examination that OSI may order if competence is questioned.
Renewal
Biennial birth-month renewal, fees and 24 CE credits including 3 ethics credits unless exempt; home-state CE satisfies reciprocal nonresident obligations.
Requested authority
Both Property and Casualty: combined Series 18-31 or both separate Series 18-28 and 18-29.
Waiver
Under 59A-12-17(E), military service or other extenuating circumstances permit a request to waive renewal procedures, any examination, fines or sanctions.
Relicensing following revocation or refusal to continue

At least one of the following alternatives:

  • New Mexico Property and Casualty Insurance (practice unavailable)

  • All of the following:

Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Board satisfaction
Show current qualification and that continuing causes no longer exist or recur; contact OSI. The lapse exemption excludes revoked/refused applicants; independently applicable statutory exemptions retain their own routes.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Requested authority
Both Property and Casualty: combined Series 18-31 or both separate Series 18-28 and 18-29.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.
Reinstatement at suspension end
No examination is required for this applicant pathway.
Parental responsibility
Supply evidence of compliance where the suspension involved the Parental Responsibility Act.
Requested authority
Both Property and Casualty: combined Series 18-31 or both separate Series 18-28 and 18-29.
Suspension
Request restoration when suspension ends and its causes no longer exist or recur; otherwise OSI revokes.

Official no-examination sources

Effective from 2025-04-01.

Add requested authority to existing producer license
New Mexico Casualty Insurance
Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Existing license
Existing license; request additional authority and the amendment application. An already-held line does not require an additional sitting; this tree covers the requested line scope.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Requested authority
Casualty only.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.
Resident licensure with CPCU designation
No examination is required for this applicant pathway.
Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Designation
Hold the Chartered Property and Casualty Underwriter designation; examination is exempt under 59A-12-16(E)(4).
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Requested authority
Casualty only.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.

Official no-examination sources

Effective from 2025-04-01.

Resident licensure by examination
New Mexico Casualty Insurance
Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Requested authority
Casualty only.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.
Nonresident reciprocal licensure
No examination is required for this applicant pathway.
Application
Submit home-state/uniform application and fees, and appoint the superintendent for process and agree to appearances under 59A-12-25.
Home state
Current home-state resident license in good standing, equivalent lines and reciprocal recognition.
Requested authority
Casualty only.

Official no-examination sources

Effective from 2025-04-01.

Resident licensure within ninety days of prior state cancellation
No examination is required for this applicant pathway.
Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Prior license
Apply within 90 days after cancellation for the same lines, with the prior state’s good-standing certification or NAIC database records.
Requested authority
Casualty only.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.

Official no-examination sources

Effective from 2025-04-01.

Resident licensure based on current prior state license
No examination is required for this applicant pathway.
Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Prior license
Current license in good standing for the same lines in another state; its examination is applicant evidence, never a New Mexico leaf.
Requested authority
Casualty only.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.

Official no-examination sources

Effective from 2025-04-01.

Resident licensure based on reciprocal comparable examination
No examination is required for this applicant pathway.
Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Prior exam
Took and passed a similar examination in the state in which licensed, subject to 59A-5-33 reciprocity; that state’s exam is a condition.
Requested authority
Casualty only.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.

Official no-examination sources

Effective from 2025-04-01.

Reinstatement within twelve months of lapse
No examination is required for this applicant pathway.
Lapse
Restore the same license within 12 months of the renewal fee due date, pay double the unpaid fee and complete missing CE.
Requested authority
Casualty only.

Official no-examination sources

Effective from 2025-04-01.

Resident relicensing after the one year exemption window
New Mexico Casualty Insurance
Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Controlling reading
The statute’s one-year window outranks 13.4.2.11(B)(2)’s five-year statement.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Lapse
Outside the one-year statutory exemption, satisfy ordinary examinations unless independently qualifying for another exemption.
Lower ranked rule
(2) Reexamination is not required for resident applicants who have been licensed in this state within the five years prior to the date of the new application and who seek to be relicensed for the same line or lines of insurance. This exemption does not apply if the previous license was suspended or revoked, if continuation of the license was refused by the superintendent or if the applicant did not previously take and pass an exam in this state.
Requested authority
Casualty only.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.
Same line relicensing within one year
No examination is required for this applicant pathway.
Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Controlling reading
Apply 59A-12-16(E)(6)’s one-year exemption. Record the rule’s five-year window and its previous NM exam condition without changing the superior statutory requirement.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Lower ranked rule
(2) Reexamination is not required for resident applicants who have been licensed in this state within the five years prior to the date of the new application and who seek to be relicensed for the same line or lines of insurance. This exemption does not apply if the previous license was suspended or revoked, if continuation of the license was refused by the superintendent or if the applicant did not previously take and pass an exam in this state.
Prior license
Similar NM license for the same kind(s) within one year; no suspension, revocation or refusal to continue.
Requested authority
Casualty only.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.

Official no-examination sources

Effective from 2025-04-01.

Resident licensure after relocation
No examination is required for this applicant pathway.
Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Implementation waiver
Previous Resident or DHS License must be cancelled no mo re than 90 days , prior to applying. Must not have an Active Non- Resident license in New Mexico. If a Non Resident License is held , it must be “inactive” or surrendered at least 1 day prior to appl ying as a Resident. License / LOA Cancellation form Must apply for the same license type and Lines of Authority (LOA) held with previous R esident or DHS License .
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Relocation
Apply within 90 days after establishing legal residence for lines previously held; no examination under 59A-12-16(G) unless the superintendent determines otherwise by rule.
Requested authority
Casualty only.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Waiver source
OSI Individual Exam Waiver Instructions.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.

Official no-examination sources

Effective from 2025-04-01.

Renewal or continuation
New Mexico Casualty Insurance
Conditional examination
No routine examination, but 59A-11-10(D) identifies the new-individual-applicant written examination that OSI may order if competence is questioned.
Renewal
Biennial birth-month renewal, fees and 24 CE credits including 3 ethics credits unless exempt; home-state CE satisfies reciprocal nonresident obligations.
Requested authority
Casualty only.
Waiver
Under 59A-12-17(E), military service or other extenuating circumstances permit a request to waive renewal procedures, any examination, fines or sanctions.
Relicensing following revocation or refusal to continue
New Mexico Casualty Insurance
Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Board satisfaction
Show current qualification and that continuing causes no longer exist or recur; contact OSI. The lapse exemption excludes revoked/refused applicants; independently applicable statutory exemptions retain their own routes.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Requested authority
Casualty only.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.
Reinstatement at suspension end
No examination is required for this applicant pathway.
Parental responsibility
Supply evidence of compliance where the suspension involved the Parental Responsibility Act.
Requested authority
Casualty only.
Suspension
Request restoration when suspension ends and its causes no longer exist or recur; otherwise OSI revokes.

Official no-examination sources

Effective from 2025-04-01.

Add requested authority to existing producer license
New Mexico Property Insurance (practice unavailable)
Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Existing license
Existing license; request additional authority and the amendment application. An already-held line does not require an additional sitting; this tree covers the requested line scope.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Requested authority
Property only.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.
Resident licensure with CPCU designation
No examination is required for this applicant pathway.
Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Designation
Hold the Chartered Property and Casualty Underwriter designation; examination is exempt under 59A-12-16(E)(4).
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Requested authority
Property only.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.

Official no-examination sources

Effective from 2025-04-01.

Resident licensure by examination
New Mexico Property Insurance (practice unavailable)
Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Requested authority
Property only.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.
Nonresident reciprocal licensure
No examination is required for this applicant pathway.
Application
Submit home-state/uniform application and fees, and appoint the superintendent for process and agree to appearances under 59A-12-25.
Home state
Current home-state resident license in good standing, equivalent lines and reciprocal recognition.
Requested authority
Property only.

Official no-examination sources

Effective from 2025-04-01.

Resident licensure within ninety days of prior state cancellation
No examination is required for this applicant pathway.
Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Prior license
Apply within 90 days after cancellation for the same lines, with the prior state’s good-standing certification or NAIC database records.
Requested authority
Property only.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.

Official no-examination sources

Effective from 2025-04-01.

Resident licensure based on current prior state license
No examination is required for this applicant pathway.
Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Prior license
Current license in good standing for the same lines in another state; its examination is applicant evidence, never a New Mexico leaf.
Requested authority
Property only.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.

Official no-examination sources

Effective from 2025-04-01.

Resident licensure based on reciprocal comparable examination
No examination is required for this applicant pathway.
Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Prior exam
Took and passed a similar examination in the state in which licensed, subject to 59A-5-33 reciprocity; that state’s exam is a condition.
Requested authority
Property only.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.

Official no-examination sources

Effective from 2025-04-01.

Reinstatement within twelve months of lapse
No examination is required for this applicant pathway.
Lapse
Restore the same license within 12 months of the renewal fee due date, pay double the unpaid fee and complete missing CE.
Requested authority
Property only.

Official no-examination sources

Effective from 2025-04-01.

Resident relicensing after the one year exemption window
New Mexico Property Insurance (practice unavailable)
Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Controlling reading
The statute’s one-year window outranks 13.4.2.11(B)(2)’s five-year statement.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Lapse
Outside the one-year statutory exemption, satisfy ordinary examinations unless independently qualifying for another exemption.
Lower ranked rule
(2) Reexamination is not required for resident applicants who have been licensed in this state within the five years prior to the date of the new application and who seek to be relicensed for the same line or lines of insurance. This exemption does not apply if the previous license was suspended or revoked, if continuation of the license was refused by the superintendent or if the applicant did not previously take and pass an exam in this state.
Requested authority
Property only.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.
Same line relicensing within one year
No examination is required for this applicant pathway.
Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Controlling reading
Apply 59A-12-16(E)(6)’s one-year exemption. Record the rule’s five-year window and its previous NM exam condition without changing the superior statutory requirement.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Lower ranked rule
(2) Reexamination is not required for resident applicants who have been licensed in this state within the five years prior to the date of the new application and who seek to be relicensed for the same line or lines of insurance. This exemption does not apply if the previous license was suspended or revoked, if continuation of the license was refused by the superintendent or if the applicant did not previously take and pass an exam in this state.
Prior license
Similar NM license for the same kind(s) within one year; no suspension, revocation or refusal to continue.
Requested authority
Property only.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.

Official no-examination sources

Effective from 2025-04-01.

Resident licensure after relocation
No examination is required for this applicant pathway.
Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Implementation waiver
Previous Resident or DHS License must be cancelled no mo re than 90 days , prior to applying. Must not have an Active Non- Resident license in New Mexico. If a Non Resident License is held , it must be “inactive” or surrendered at least 1 day prior to appl ying as a Resident. License / LOA Cancellation form Must apply for the same license type and Lines of Authority (LOA) held with previous R esident or DHS License .
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Relocation
Apply within 90 days after establishing legal residence for lines previously held; no examination under 59A-12-16(G) unless the superintendent determines otherwise by rule.
Requested authority
Property only.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Waiver source
OSI Individual Exam Waiver Instructions.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.

Official no-examination sources

Effective from 2025-04-01.

Renewal or continuation
New Mexico Property Insurance (practice unavailable)
Conditional examination
No routine examination, but 59A-11-10(D) identifies the new-individual-applicant written examination that OSI may order if competence is questioned.
Renewal
Biennial birth-month renewal, fees and 24 CE credits including 3 ethics credits unless exempt; home-state CE satisfies reciprocal nonresident obligations.
Requested authority
Property only.
Waiver
Under 59A-12-17(E), military service or other extenuating circumstances permit a request to waive renewal procedures, any examination, fines or sanctions.
Relicensing following revocation or refusal to continue
New Mexico Property Insurance (practice unavailable)
Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Board satisfaction
Show current qualification and that continuing causes no longer exist or recur; contact OSI. The lapse exemption excludes revoked/refused applicants; independently applicable statutory exemptions retain their own routes.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Requested authority
Property only.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.
Reinstatement at suspension end
No examination is required for this applicant pathway.
Parental responsibility
Supply evidence of compliance where the suspension involved the Parental Responsibility Act.
Requested authority
Property only.
Suspension
Request restoration when suspension ends and its causes no longer exist or recur; otherwise OSI revokes.

Official no-examination sources

Effective from 2025-04-01.

Reinsurance Intermediary — Property and Casualty

Specialized producer form; individuals and business entities use the respective ordinary producer qualification requirements.

Licensing authority: New Mexico Office of Superintendent of Insurance · Application information

Add requested authority to existing producer license

At least one of the following alternatives:

  • New Mexico Property and Casualty Insurance (practice unavailable)

  • All of the following:

Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Bond or insurance
Maintain a fidelity bond or errors-and-omissions policy of at least $1,000,000 per reinsurer and OSI cancellation/nonrenewal notice.
Contract
File written contract with OSI at least 30 days before effectiveness; fulfill fiduciary duties and ten-year record retention.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Existing license
Existing license; request additional authority and the amendment application. An already-held line does not require an additional sitting; this tree covers the requested line scope.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Requested authority
Both Property and Casualty: combined Series 18-31 or both separate Series 18-28 and 18-29.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Specialty
Intermediary-broker or intermediary-manager for property/casualty reinsurance under the Reinsurance Intermediary Law.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.
Business entity specialty producer initial licensure
No examination is required for this applicant pathway.
Application
Uniform business application signed by authorized partner/officer, owner/officer information, governing-document authority and fees.
Bond or insurance
Maintain a fidelity bond or errors-and-omissions policy of at least $1,000,000 per reinsurer and OSI cancellation/nonrenewal notice.
Contract
File written contract with OSI at least 30 days before effectiveness; fulfill fiduciary duties and ten-year record retention.
Entity
Partnership, LLC, LLP or corporation; sole proprietorships do not apply as business entities.
Individual licensing
Individuals exercising powers have separate individual license applications; their exam requirements are retained above.
Responsible producers
Designate NM-licensed individuals whose lines cumulatively cover all requested authority; affiliate a licensed producer who exercises powers.
Specialty
Intermediary-broker or intermediary-manager for property/casualty reinsurance under the Reinsurance Intermediary Law.

Official no-examination sources

Effective from 2025-04-01.

Business entity specialty reinstatement
No examination is required for this applicant pathway.
Application
Inactive or surrendered entity uses the new-license application and current specialty conditions.
Bond or insurance
Maintain a fidelity bond or errors-and-omissions policy of at least $1,000,000 per reinsurer and OSI cancellation/nonrenewal notice.
Contract
File written contract with OSI at least 30 days before effectiveness; fulfill fiduciary duties and ten-year record retention.
Entity
Partnership, LLC, LLP or corporation; sole proprietorships do not apply as business entities.
Individual licensing
Individuals exercising powers have separate individual license applications; their exam requirements are retained above.
Responsible producers
Designate NM-licensed individuals whose lines cumulatively cover all requested authority; affiliate a licensed producer who exercises powers.
Specialty
Intermediary-broker or intermediary-manager for property/casualty reinsurance under the Reinsurance Intermediary Law.

Official no-examination sources

Effective from 2025-04-01.

Business entity specialty producer renewal
No examination is required for this applicant pathway.
Application
Uniform business application signed by authorized partner/officer, owner/officer information, governing-document authority and fees.
Bond or insurance
Maintain a fidelity bond or errors-and-omissions policy of at least $1,000,000 per reinsurer and OSI cancellation/nonrenewal notice.
Contract
File written contract with OSI at least 30 days before effectiveness; fulfill fiduciary duties and ten-year record retention.
Entity
Partnership, LLC, LLP or corporation; sole proprietorships do not apply as business entities.
Individual licensing
Individuals exercising powers have separate individual license applications; their exam requirements are retained above.
Renewal
Applicable entity/affiliation continuation schedule; individual competence review applies to separately licensed persons.
Responsible producers
Designate NM-licensed individuals whose lines cumulatively cover all requested authority; affiliate a licensed producer who exercises powers.
Specialty
Intermediary-broker or intermediary-manager for property/casualty reinsurance under the Reinsurance Intermediary Law.

Official no-examination sources

Effective from 2025-04-01.

Business entity specialty relicensing after revocation
No examination is required for this applicant pathway.
Application
Uniform business application signed by authorized partner/officer, owner/officer information, governing-document authority and fees.
Bond or insurance
Maintain a fidelity bond or errors-and-omissions policy of at least $1,000,000 per reinsurer and OSI cancellation/nonrenewal notice.
Cause
Show current qualification and that revocation/refusal causes no longer exist or recur.
Contract
File written contract with OSI at least 30 days before effectiveness; fulfill fiduciary duties and ten-year record retention.
Entity
Partnership, LLC, LLP or corporation; sole proprietorships do not apply as business entities.
Individual licensing
Individuals exercising powers have separate individual license applications; their exam requirements are retained above.
Responsible producers
Designate NM-licensed individuals whose lines cumulatively cover all requested authority; affiliate a licensed producer who exercises powers.
Specialty
Intermediary-broker or intermediary-manager for property/casualty reinsurance under the Reinsurance Intermediary Law.

Official no-examination sources

Effective from 2025-04-01.

Business entity specialty reinstatement after suspension
No examination is required for this applicant pathway.
Application
Uniform business application signed by authorized partner/officer, owner/officer information, governing-document authority and fees.
Bond or insurance
Maintain a fidelity bond or errors-and-omissions policy of at least $1,000,000 per reinsurer and OSI cancellation/nonrenewal notice.
Cause
Request reinstatement when the suspension ends and its causes cease.
Contract
File written contract with OSI at least 30 days before effectiveness; fulfill fiduciary duties and ten-year record retention.
Entity
Partnership, LLC, LLP or corporation; sole proprietorships do not apply as business entities.
Individual licensing
Individuals exercising powers have separate individual license applications; their exam requirements are retained above.
Responsible producers
Designate NM-licensed individuals whose lines cumulatively cover all requested authority; affiliate a licensed producer who exercises powers.
Specialty
Intermediary-broker or intermediary-manager for property/casualty reinsurance under the Reinsurance Intermediary Law.

Official no-examination sources

Effective from 2025-04-01.

Resident licensure with CPCU designation
No examination is required for this applicant pathway.
Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Bond or insurance
Maintain a fidelity bond or errors-and-omissions policy of at least $1,000,000 per reinsurer and OSI cancellation/nonrenewal notice.
Contract
File written contract with OSI at least 30 days before effectiveness; fulfill fiduciary duties and ten-year record retention.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Designation
Hold the Chartered Property and Casualty Underwriter designation; examination is exempt under 59A-12-16(E)(4).
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Requested authority
Both Property and Casualty: combined Series 18-31 or both separate Series 18-28 and 18-29.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Specialty
Intermediary-broker or intermediary-manager for property/casualty reinsurance under the Reinsurance Intermediary Law.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.

Official no-examination sources

Effective from 2025-04-01.

Resident licensure by examination

At least one of the following alternatives:

  • New Mexico Property and Casualty Insurance (practice unavailable)

  • All of the following:

Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Bond or insurance
Maintain a fidelity bond or errors-and-omissions policy of at least $1,000,000 per reinsurer and OSI cancellation/nonrenewal notice.
Contract
File written contract with OSI at least 30 days before effectiveness; fulfill fiduciary duties and ten-year record retention.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Requested authority
Both Property and Casualty: combined Series 18-31 or both separate Series 18-28 and 18-29.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Specialty
Intermediary-broker or intermediary-manager for property/casualty reinsurance under the Reinsurance Intermediary Law.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.
Nonresident reciprocal licensure
No examination is required for this applicant pathway.
Application
Submit home-state/uniform application and fees, and appoint the superintendent for process and agree to appearances under 59A-12-25.
Bond or insurance
Maintain a fidelity bond or errors-and-omissions policy of at least $1,000,000 per reinsurer and OSI cancellation/nonrenewal notice.
Contract
File written contract with OSI at least 30 days before effectiveness; fulfill fiduciary duties and ten-year record retention.
Home state
Current home-state resident license in good standing, equivalent lines and reciprocal recognition.
Requested authority
Both Property and Casualty: combined Series 18-31 or both separate Series 18-28 and 18-29.
Specialty
Intermediary-broker or intermediary-manager for property/casualty reinsurance under the Reinsurance Intermediary Law.

Official no-examination sources

Effective from 2025-04-01.

Resident licensure within ninety days of prior state cancellation
No examination is required for this applicant pathway.
Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Bond or insurance
Maintain a fidelity bond or errors-and-omissions policy of at least $1,000,000 per reinsurer and OSI cancellation/nonrenewal notice.
Contract
File written contract with OSI at least 30 days before effectiveness; fulfill fiduciary duties and ten-year record retention.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Prior license
Apply within 90 days after cancellation for the same lines, with the prior state’s good-standing certification or NAIC database records.
Requested authority
Both Property and Casualty: combined Series 18-31 or both separate Series 18-28 and 18-29.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Specialty
Intermediary-broker or intermediary-manager for property/casualty reinsurance under the Reinsurance Intermediary Law.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.

Official no-examination sources

Effective from 2025-04-01.

Resident licensure based on current prior state license
No examination is required for this applicant pathway.
Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Bond or insurance
Maintain a fidelity bond or errors-and-omissions policy of at least $1,000,000 per reinsurer and OSI cancellation/nonrenewal notice.
Contract
File written contract with OSI at least 30 days before effectiveness; fulfill fiduciary duties and ten-year record retention.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Prior license
Current license in good standing for the same lines in another state; its examination is applicant evidence, never a New Mexico leaf.
Requested authority
Both Property and Casualty: combined Series 18-31 or both separate Series 18-28 and 18-29.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Specialty
Intermediary-broker or intermediary-manager for property/casualty reinsurance under the Reinsurance Intermediary Law.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.

Official no-examination sources

Effective from 2025-04-01.

Resident licensure based on reciprocal comparable examination
No examination is required for this applicant pathway.
Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Bond or insurance
Maintain a fidelity bond or errors-and-omissions policy of at least $1,000,000 per reinsurer and OSI cancellation/nonrenewal notice.
Contract
File written contract with OSI at least 30 days before effectiveness; fulfill fiduciary duties and ten-year record retention.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Prior exam
Took and passed a similar examination in the state in which licensed, subject to 59A-5-33 reciprocity; that state’s exam is a condition.
Requested authority
Both Property and Casualty: combined Series 18-31 or both separate Series 18-28 and 18-29.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Specialty
Intermediary-broker or intermediary-manager for property/casualty reinsurance under the Reinsurance Intermediary Law.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.

Official no-examination sources

Effective from 2025-04-01.

Reinstatement within twelve months of lapse
No examination is required for this applicant pathway.
Bond or insurance
Maintain a fidelity bond or errors-and-omissions policy of at least $1,000,000 per reinsurer and OSI cancellation/nonrenewal notice.
Contract
File written contract with OSI at least 30 days before effectiveness; fulfill fiduciary duties and ten-year record retention.
Lapse
Restore the same license within 12 months of the renewal fee due date, pay double the unpaid fee and complete missing CE.
Requested authority
Both Property and Casualty: combined Series 18-31 or both separate Series 18-28 and 18-29.
Specialty
Intermediary-broker or intermediary-manager for property/casualty reinsurance under the Reinsurance Intermediary Law.

Official no-examination sources

Effective from 2025-04-01.

Resident relicensing after the one year exemption window

At least one of the following alternatives:

  • New Mexico Property and Casualty Insurance (practice unavailable)

  • All of the following:

Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Bond or insurance
Maintain a fidelity bond or errors-and-omissions policy of at least $1,000,000 per reinsurer and OSI cancellation/nonrenewal notice.
Contract
File written contract with OSI at least 30 days before effectiveness; fulfill fiduciary duties and ten-year record retention.
Controlling reading
The statute’s one-year window outranks 13.4.2.11(B)(2)’s five-year statement.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Lapse
Outside the one-year statutory exemption, satisfy ordinary examinations unless independently qualifying for another exemption.
Lower ranked rule
(2) Reexamination is not required for resident applicants who have been licensed in this state within the five years prior to the date of the new application and who seek to be relicensed for the same line or lines of insurance. This exemption does not apply if the previous license was suspended or revoked, if continuation of the license was refused by the superintendent or if the applicant did not previously take and pass an exam in this state.
Requested authority
Both Property and Casualty: combined Series 18-31 or both separate Series 18-28 and 18-29.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Specialty
Intermediary-broker or intermediary-manager for property/casualty reinsurance under the Reinsurance Intermediary Law.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.
Same line relicensing within one year
No examination is required for this applicant pathway.
Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Bond or insurance
Maintain a fidelity bond or errors-and-omissions policy of at least $1,000,000 per reinsurer and OSI cancellation/nonrenewal notice.
Contract
File written contract with OSI at least 30 days before effectiveness; fulfill fiduciary duties and ten-year record retention.
Controlling reading
Apply 59A-12-16(E)(6)’s one-year exemption. Record the rule’s five-year window and its previous NM exam condition without changing the superior statutory requirement.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Lower ranked rule
(2) Reexamination is not required for resident applicants who have been licensed in this state within the five years prior to the date of the new application and who seek to be relicensed for the same line or lines of insurance. This exemption does not apply if the previous license was suspended or revoked, if continuation of the license was refused by the superintendent or if the applicant did not previously take and pass an exam in this state.
Prior license
Similar NM license for the same kind(s) within one year; no suspension, revocation or refusal to continue.
Requested authority
Both Property and Casualty: combined Series 18-31 or both separate Series 18-28 and 18-29.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Specialty
Intermediary-broker or intermediary-manager for property/casualty reinsurance under the Reinsurance Intermediary Law.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.

Official no-examination sources

Effective from 2025-04-01.

Resident licensure after relocation
No examination is required for this applicant pathway.
Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Bond or insurance
Maintain a fidelity bond or errors-and-omissions policy of at least $1,000,000 per reinsurer and OSI cancellation/nonrenewal notice.
Contract
File written contract with OSI at least 30 days before effectiveness; fulfill fiduciary duties and ten-year record retention.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Implementation waiver
Previous Resident or DHS License must be cancelled no mo re than 90 days , prior to applying. Must not have an Active Non- Resident license in New Mexico. If a Non Resident License is held , it must be “inactive” or surrendered at least 1 day prior to appl ying as a Resident. License / LOA Cancellation form Must apply for the same license type and Lines of Authority (LOA) held with previous R esident or DHS License .
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Relocation
Apply within 90 days after establishing legal residence for lines previously held; no examination under 59A-12-16(G) unless the superintendent determines otherwise by rule.
Requested authority
Both Property and Casualty: combined Series 18-31 or both separate Series 18-28 and 18-29.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Specialty
Intermediary-broker or intermediary-manager for property/casualty reinsurance under the Reinsurance Intermediary Law.
Waiver source
OSI Individual Exam Waiver Instructions.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.

Official no-examination sources

Effective from 2025-04-01.

Renewal or continuation

At least one of the following alternatives:

  • New Mexico Property and Casualty Insurance (practice unavailable)

  • All of the following:

Bond or insurance
Maintain a fidelity bond or errors-and-omissions policy of at least $1,000,000 per reinsurer and OSI cancellation/nonrenewal notice.
Conditional examination
No routine examination, but 59A-11-10(D) identifies the new-individual-applicant written examination that OSI may order if competence is questioned.
Contract
File written contract with OSI at least 30 days before effectiveness; fulfill fiduciary duties and ten-year record retention.
Renewal
Biennial birth-month renewal, fees and 24 CE credits including 3 ethics credits unless exempt; home-state CE satisfies reciprocal nonresident obligations.
Requested authority
Both Property and Casualty: combined Series 18-31 or both separate Series 18-28 and 18-29.
Specialty
Intermediary-broker or intermediary-manager for property/casualty reinsurance under the Reinsurance Intermediary Law.
Waiver
Under 59A-12-17(E), military service or other extenuating circumstances permit a request to waive renewal procedures, any examination, fines or sanctions.
Relicensing following revocation or refusal to continue

At least one of the following alternatives:

  • New Mexico Property and Casualty Insurance (practice unavailable)

  • All of the following:

Age
At least 18 years old.
Application
Truthful uniform application, supporting documents/background disclosures and required fees; additional pertinent information may be requested by OSI.
Board satisfaction
Show current qualification and that continuing causes no longer exist or recur; contact OSI. The lapse exemption excludes revoked/refused applicants; independently applicable statutory exemptions retain their own routes.
Bond or insurance
Maintain a fidelity bond or errors-and-omissions policy of at least $1,000,000 per reinsurer and OSI cancellation/nonrenewal notice.
Contract
File written contract with OSI at least 30 days before effectiveness; fulfill fiduciary duties and ten-year record retention.
Criminal history
Disclose charges and licensing discipline; a dishonesty/breach-of-trust felony requires the superintendent’s written 18 USC 1033 consent.
Employment history
Provide at least five years of employment history without gaps.
Fingerprints
Provide fingerprints for state/federal background checks; OSI waits for results and any necessary review before approval.
Inducement
No ownership interest offered as an inducement to purchase insurance under 59A-12-11.
Requested authority
Both Property and Casualty: combined Series 18-31 or both separate Series 18-28 and 18-29.
Residence
Resident applicants need an in-state residential/business address, not a post-office box, and may not retain conflicting active resident licenses.
Specialty
Intermediary-broker or intermediary-manager for property/casualty reinsurance under the Reinsurance Intermediary Law.
Work authorization
Foreign citizens provide evidence of eligibility to reside and work in the United States.
Reinstatement at suspension end
No examination is required for this applicant pathway.
Bond or insurance
Maintain a fidelity bond or errors-and-omissions policy of at least $1,000,000 per reinsurer and OSI cancellation/nonrenewal notice.
Contract
File written contract with OSI at least 30 days before effectiveness; fulfill fiduciary duties and ten-year record retention.
Parental responsibility
Supply evidence of compliance where the suspension involved the Parental Responsibility Act.
Requested authority
Both Property and Casualty: combined Series 18-31 or both separate Series 18-28 and 18-29.
Specialty
Intermediary-broker or intermediary-manager for property/casualty reinsurance under the Reinsurance Intermediary Law.
Suspension
Request restoration when suspension ends and its causes no longer exist or recur; otherwise OSI revokes.

Official no-examination sources

Effective from 2025-04-01.

New Mexico Casualty Insurance

Provider
PSI Services LLC
Format
Computer administered examination; test center or remote proctoring
Exam questions
100 scored items, plus 5 to 10 unscored experimental questions
Time limit
2 hours
Passing score
70% correct
Exam fee
$75
Examination outline
  • Insurance Regulation (10%)
    • Licensing
    • Licensing / Process (59A-11-2, 3, 59A-12-12; Reg 13.4.2.8, .9)
    • Licensing / Types of Licensees (Reg 13.4.2.7, .11)
    • Licensing / Types of Licensees (Reg 13.4.2.7, .11) / Insurance Producers (59A-12-2)
    • Licensing / Types of Licensees (Reg 13.4.2.7, .11) / Brokers (59A-12-3)
    • Licensing / Types of Licensees (Reg 13.4.2.7, .11) / Consultants (59A-11A-1-8)
    • Licensing / Types of Licensees (Reg 13.4.2.7, .11) / Nonresident (59A-12-25) (59A-11-24)
    • Licensing / Types of Licensees (Reg 13.4.2.7, .11) / Temporary (59A-11-4; 59A-12-19; Reg 13.4.2.12)
    • Licensing / Maintenance and Duration
    • Licensing / Maintenance and Duration / Expiration and Renewal (59A-11-10, 11)
    • Licensing / Maintenance and Duration / Address Change (59A-12-17) (59A-11-24)
    • Licensing / Maintenance and Duration / Continuing Education (59A-12-26; Reg 13.4.7.9, .12)
    • Licensing / Disciplinary Actions
    • Licensing / Disciplinary Actions / Suspension, Revocation, or Refusal to Renew (59A-11-8, 10, 14–16, 18)
    • Licensing / Disciplinary Actions / Cease and Desist Orders (59A-16-27)
    • Licensing / Disciplinary Actions / Penalties and Fines (59A-1-18, 59A-11- 17, 21)
    • State Regulation
    • State Regulation / Superintendent's General Duties and Powers (59A-2-8-10)
    • State Regulation / Company Regulation
    • State Regulation / Company Regulation / Certificate of Authority (59A-5-10)
    • State Regulation / Company Regulation / Unfair Claims Settlement Practices (59A-16-20)
    • State Regulation / Company Regulation / Complaint Record (59A-16-22)
    • State Regulation / Company Regulation / Appointment of Insurance Producer (59A- 11-12; Reg 13.4.2.17)
    • State Regulation / Company Regulation / Termination of Insurance Producer Appointment (59A-11-13; Reg 13.4.2.29)
    • State Regulation / Insurance Producer Regulation
    • State Regulation / Insurance Producer Regulation / Shared Commissions (59A-12-24)
    • State Regulation / Insurance Producer Regulation / Fiduciary Duties (59A-12-22)
    • State Regulation / Insurance Producer Regulation / Prohibited Premiums or Charges (59A-16- 24)
    • State Regulation / Unfair Insurance Trade Practices
    • State Regulation / Unfair Insurance Trade Practices / Misrepresentation (59A-16-4, 23)
    • State Regulation / Unfair Insurance Trade Practices / False Advertising (59A-16-4, 5)
    • State Regulation / Unfair Insurance Trade Practices / Twisting (59A-16-6)
    • State Regulation / Unfair Insurance Trade Practices / Defamation (59A-16-10)
    • State Regulation / Unfair Insurance Trade Practices / Unfair Discrimination (59A-16, 13, 17(D))
    • State Regulation / Unfair Insurance Trade Practices / Rebating (59A-16-16–18)
    • State Regulation / Unfair Insurance Trade Practices / Boycott, Coercion, or Intimidation (59A- 16-19)
    • State Regulation / Examination of Books and Records (59A-4-3, 4)
    • State Regulation / Insurance Fraud Act (59A-16C-1-16)
    • State Regulation / Consumer Information Privacy (59A-2-9.3; Reg 13.1.3.1-.28)
  • Federal Laws and Regulations (2%)
    • Fair Credit Reporting Act
    • 18 United States Code (USC) Sections 1033 and 1034 - Purpose
  • General Insurance Concepts (14%)
    • Risk
    • Risk / Methods of Handling Risk (e.g., Avoidance, Retention, Sharing, Reduction, Transfer)
    • Risk / Elements of Insurable Risks
    • Risk / Definitions (e.g., Risk, Hazard, Peril, Loss)
    • Classifications of Insurers
    • Classifications of Insurers / Mutual, Stock
    • Classifications of Insurers / Admitted, Non-Admitted
    • Classifications of Insurers / Foreign, Domestic, Alien
    • Elements of a Contract
    • Elements of a Contract / Consideration
    • Elements of a Contract / Competent Parties
    • Elements of a Contract / Legal Purpose
    • Elements of a Contract / Offer
    • Elements of a Contract / Acceptance
    • Authority and Powers of Producers - Definitions
    • Authority and Powers of Producers - Definitions / Express
    • Authority and Powers of Producers - Definitions / Implied
    • Authority and Powers of Producers - Definitions / Apparent
    • Authority and Powers of Producers - Definitions / The Law of Agency
    • Legal Interpretations Affecting Contracts
    • Legal Interpretations Affecting Contracts / Reasonable Expectations
    • Legal Interpretations Affecting Contracts / Indemnity
    • Legal Interpretations Affecting Contracts / Good Faith
    • Legal Interpretations Affecting Contracts / Fraud
    • Legal Interpretations Affecting Contracts / Warranties, Representations, Misrepresentations, and Concealment
  • Casualty Insurance Basics (28%)
    • Damages
    • Damages / Compensatory versus Punitive
    • Damages / General versus Special
    • Liability
    • Liability / Absolute
    • Liability / Strict
    • Liability / Vicarious
    • Underwriting (Purpose, Process, Results)
    • Types of Hazards
    • Types of Hazards / Moral
    • Types of Hazards / Morale
    • Types of Hazards / Physical
    • Negligence
    • Negligence / Torts
    • Negligence / Elements of a Negligent Act
    • Negligence / Defense Against Negligence
    • Accident versus Occurrence
    • Policy Structure
    • Policy Structure / Declarations
    • Policy Structure / Definitions
    • Policy Structure / Insuring Agreement
    • Policy Structure / Additional/Supplementary Coverage
    • Policy Structure / Conditions
    • Policy Structure / Exclusions
    • Policy Structure / Endorsements
    • Policy Clauses
    • Policy Clauses / Insureds
    • Policy Clauses / Policy Period
    • Policy Clauses / Policy Territory
    • Policy Clauses / Cancellation and Non-Renewal
    • Policy Clauses / Deductibles/Self-Insured Retention
    • Policy Clauses / Other Insurance
    • Policy Clauses / Other Insurance / Nonconcurrency
    • Policy Clauses / Other Insurance / Primary and Excess
    • Policy Clauses / Other Insurance / Pro Rata
    • Policy Clauses / Other Insurance / Contribution by Equal Shares
    • Limits of Liability
    • Limits of Liability / Per Accident
    • Limits of Liability / Per Occurrence
    • Limits of Liability / Per Person
    • Limits of Liability / Aggregate
    • Limits of Liability / Split limits
    • Limits of Liability / Combined Single Limit
    • Named Insured Provisions
    • Named Insured Provisions / First Named Insured versus Other Insureds
    • Named Insured Provisions / Duties After Loss
    • Named Insured Provisions / Assignment
    • Named Insured Provisions / Waiver of Rights
    • Insurer Provisions
    • Insurer Provisions / Liberalization
    • Insurer Provisions / Subrogation
    • Insurer Provisions / Claim Settlement Options
    • Insurer Provisions / Duty to Defend
    • Insurer Provisions / Arbitration
  • Personal Automobile Policy (15%)
    • Definitions
    • Liability Coverage
    • Liability Coverage / Bodily Injury and Property Damage
    • Liability Coverage / Supplementary Payments
    • Liability Coverage / Exclusions
    • Liability Coverage / Liability Extension to Towed Vehicle
    • Medical Payments Coverage
    • Uninsured and Underinsured Motorists Coverage
    • Uninsured and Underinsured Motorists Coverage / Definitions
    • Uninsured and Underinsured Motorists Coverage / Bodily Injury
    • Uninsured and Underinsured Motorists Coverage / UM and UIM Rejection
    • Coverage for Damage to your Automobile
    • Coverage for Damage to your Automobile / Collision
    • Coverage for Damage to your Automobile / Other than Collision (Comprehensive)
    • Coverage for Damage to your Automobile / Deductibles
    • Coverage for Damage to your Automobile / Exclusions
    • Duties after an Accident or Loss
    • General Provisions
    • Endorsements
    • Endorsements / Towing and Labor Costs
    • Endorsements / Extended Non-Owned Coverage - Vehicles Furnished or Available for Regular Use
    • Endorsements / Joint Ownership Coverage
    • Endorsements / Rental Vehicle Coverage
  • Commercial Automobile Policy (8%)
    • Commercial Automobile Coverage Forms
    • Covered Automobiles
    • Covered Automobiles / Hired Automobiles
    • Covered Automobiles / Non-owned Automobiles
    • Liability
    • Physical Damage
    • Exclusions
    • Conditions
    • Definitions
    • Selected Endorsements
    • Selected Endorsements / Lessor - Additional Insured and Loss Payee
    • Selected Endorsements / Mobile Equipment
  • Commercial General Liability (12%)
    • Commercial Policy Components
    • Commercial Policy Components / Declarations
    • Commercial Policy Components / Conditions
    • Commercial Policy Components / Interline Endorsements
    • Commercial General Liability Coverages
    • Commercial General Liability Coverages / Bodily Injury and Property Damage
    • Commercial General Liability Coverages / Personal and Advertising Injury
    • Commercial General Liability Coverages / Medical Payments
    • Commercial General Liability Coverages / Conditions
    • Commercial General Liability Coverages / Definitions
    • Commercial General Liability Coverages / Exclusions
    • Occurrence versus Claims-made
    • Occurrence versus Claims-made / Trigger
    • Occurrence versus Claims-made / Retroactive Date
    • Commercial General Liability Exposures
    • Commercial General Liability Exposures / Premises and Operations
    • Commercial General Liability Exposures / Products and Completed Operations
    • Commercial General Liability Exposures / Contractual Liability
  • Other Types of Casualty Insurance (8%)
    • Specialty Liability Insurance
    • Specialty Liability Insurance / Directors and Officers
    • Specialty Liability Insurance / Professional and Errors and Omissions
    • Specialty Liability Insurance / Employment Practices
    • Specialty Liability Insurance / Employee Benefits
    • Specialty Liability Insurance / Cyber Liability and Network Protection
    • Personal Umbrella, Commercial Umbrella, and Excess Policies
    • Personal Umbrella, Commercial Umbrella, and Excess Policies / Underlying Limits
    • Personal Umbrella, Commercial Umbrella, and Excess Policies / Self-Insured Retention
    • Surety Contracts
    • Surety Contracts / Differences between Surety and Insurance
    • Surety Contracts / Obligation of the Surety
    • Surety Contracts / Parties to the Surety Bond
    • Surety Contracts / Parties to the Surety Bond / Principal
    • Surety Contracts / Parties to the Surety Bond / Obligee
    • Surety Contracts / Parties to the Surety Bond / Surety
  • Workers' Compensation Laws (3%)
    • Workers' Compensation Coverages and Benefits
    • Rating and Job Classification
    • Workers' Compensation Definitions
    • Workers' Compensation Definitions / Occupational Accident versus Occupational Disease and Illness
    • Workers' Compensation Definitions / Levels of Disability
    • Federal Laws
Examination sources

New Mexico Property and Casualty Insurance

Provider
PSI Services LLC
Format
Computer administered examination; test center or remote proctoring
Exam questions
150 scored items, plus 5 to 10 unscored experimental questions
Time limit
2.5 hours
Passing score
70% correct
Exam fee
$75
Examination outline
  • Insurance Regulation (10%)
    • Licensing
    • Licensing / Process (59A-11-2, 3, 59A-12-12; Reg 13.4.2.8, .9)
    • Licensing / Types of Licensees (Reg 13.4.2.7, .11)
    • Licensing / Types of Licensees (Reg 13.4.2.7, .11) / Insurance Producers (59A-12-2)
    • Licensing / Types of Licensees (Reg 13.4.2.7, .11) / Brokers (59A-12-3)
    • Licensing / Types of Licensees (Reg 13.4.2.7, .11) / Consultants (59A-11A-1-8)
    • Licensing / Types of Licensees (Reg 13.4.2.7, .11) / Nonresident (59A-12-25) (59A-11-24)
    • Licensing / Types of Licensees (Reg 13.4.2.7, .11) / Temporary (59A-11-4; 59A-12-19; Reg 13.4.2.12)
    • Licensing / Maintenance and Duration
    • Licensing / Maintenance and Duration / Expiration and Renewal (59A-11-10, 11)
    • Licensing / Maintenance and Duration / Address Change (59A-12-17) (59A-11-24)
    • Licensing / Maintenance and Duration / Continuing Education (59A-12-26; Reg 13.4.7.9, .12)
    • Licensing / Disciplinary Actions
    • Licensing / Disciplinary Actions / Suspension, Revocation, or Refusal to Renew (59A-11-8, 10, 14–16, 18)
    • Licensing / Disciplinary Actions / Cease and Desist Orders (59A-16-27)
    • Licensing / Disciplinary Actions / Penalties and Fines (59A-1-18, 59A-11- 17, 21)
    • State Regulation
    • State Regulation / Superintendent's General Duties and Powers (59A-2-8-10)
    • State Regulation / Company Regulation
    • State Regulation / Company Regulation / Certificate of Authority (59A-5-10)
    • State Regulation / Company Regulation / Unfair Claims Settlement Practices (59A-16-20)
    • State Regulation / Company Regulation / Complaint Record (59A-16-22)
    • State Regulation / Company Regulation / Appointment of Insurance Producer (59A- 11-12; Reg 13.4.2.17)
    • State Regulation / Company Regulation / Termination of Insurance Producer Appointment (59A-11-13; Reg 13.4.2.29)
    • State Regulation / Insurance Producer Regulation
    • State Regulation / Insurance Producer Regulation / Shared Commissions (59A-12-24)
    • State Regulation / Insurance Producer Regulation / Fiduciary Duties (59A-12-22)
    • State Regulation / Insurance Producer Regulation / Prohibited Premiums or Charges (59A-16- 24)
    • State Regulation / Unfair Insurance Trade Practices
    • State Regulation / Unfair Insurance Trade Practices / Misrepresentation (59A-16-4, 23)
    • State Regulation / Unfair Insurance Trade Practices / False Advertising (59A-16-4, 5)
    • State Regulation / Unfair Insurance Trade Practices / Twisting (59A-16-6)
    • State Regulation / Unfair Insurance Trade Practices / Defamation (59A-16-10)
    • State Regulation / Unfair Insurance Trade Practices / Unfair Discrimination (59A-16, 13, 17(D))
    • State Regulation / Unfair Insurance Trade Practices / Rebating (59A-16-16–18)
    • State Regulation / Unfair Insurance Trade Practices / Boycott, Coercion, or Intimidation (59A- 16-19)
    • State Regulation / Examination of Books and Records (59A-4-3, 4)
    • State Regulation / Insurance Fraud Act (59A-16C-1-16)
    • State Regulation / Consumer Information Privacy (59A-2-9.3; Reg 13.1.3.1-.28)
  • Federal Laws and Regulations (2%)
    • Fair Credit Reporting Act
    • 18 United States Code (USC) Sections 1033 and 1034 - Purpose
    • Flood Insurance Education (National Flood Insurance Program (NFIP))
  • General Insurance Concepts (8%)
    • Risk
    • Risk / Methods of Handling Risk (e.g., Avoidance, Retention, Sharing, Reduction, Transfer)
    • Risk / Elements of Insurable Risks
    • Risk / Definitions (e.g., Risk, Hazard, Peril, Loss)
    • Classifications of Insurers
    • Classifications of Insurers / Mutual, Stock
    • Classifications of Insurers / Admitted, Non-Admitted
    • Classifications of Insurers / Foreign, Domestic, Alien
    • Elements of a Contract
    • Elements of a Contract / Consideration
    • Elements of a Contract / Competent Parties
    • Elements of a Contract / Legal Purpose
    • Elements of a Contract / Offer
    • Elements of a Contract / Acceptance
    • Authority and Powers of Producers - Definitions
    • Authority and Powers of Producers - Definitions / Express
    • Authority and Powers of Producers - Definitions / Implied
    • Authority and Powers of Producers - Definitions / Apparent
    • Authority and Powers of Producers - Definitions / The Law of Agency
    • Legal Interpretations Affecting Contracts
    • Legal Interpretations Affecting Contracts / Reasonable Expectations
    • Legal Interpretations Affecting Contracts / Indemnity
    • Legal Interpretations Affecting Contracts / Good Faith
    • Legal Interpretations Affecting Contracts / Fraud
    • Legal Interpretations Affecting Contracts / Warranties, Representations, Misrepresentations, and Concealment
  • Property and Casualty Insurance Basics (16%)
    • Insurable Interest
    • Damages
    • Damages / Compensatory versus Punitive
    • Damages / General versus Special
    • Liability
    • Liability / Absolute
    • Liability / Strict
    • Liability / Vicarious
    • Underwriting (Purpose, Process, Results)
    • Rate Development
    • Rate Development / Types
    • Rate Development / Components
    • Rate Development / Basis
    • Types of Hazards
    • Types of Hazards / Moral
    • Types of Hazards / Morale
    • Types of Hazards / Physical
    • Types of Perils
    • Types of Perils / Named
    • Types of Perils / Open
    • Types of Loss
    • Types of Loss / Direct
    • Types of Loss / Indirect
    • Loss Valuation
    • Loss Valuation / Actual Cash Value
    • Loss Valuation / Replacement Cost
    • Loss Valuation / Market Value
    • Loss Valuation / Agreed Value
    • Loss Valuation / Valued Policy
    • Loss Valuation / Replacement Cost
    • Negligence
    • Negligence / Torts
    • Negligence / Elements of a Negligent Act
    • Negligence / Defense Against Negligence
    • Accident versus Occurrence
    • Policy Structure
    • Policy Structure / Declarations
    • Policy Structure / Definitions
    • Policy Structure / Insuring Agreement
    • Policy Structure / Additional/Supplementary Coverage
    • Policy Structure / Conditions
    • Policy Structure / Exclusions
    • Policy Structure / Endorsements
    • Policy Clauses
    • Policy Clauses / Insureds
    • Policy Clauses / Policy Period
    • Policy Clauses / Policy Territory
    • Policy Clauses / Cancellation and Non-Renewal
    • Policy Clauses / Deductibles
    • Policy Clauses / Other Insurance
    • Policy Clauses / Other Insurance / Nonconcurrency
    • Policy Clauses / Other Insurance / Primary and Excess
    • Policy Clauses / Other Insurance / Pro Rata
    • Policy Clauses / Other Insurance / Contribution by Equal Shares
    • Limits of Liability
    • Limits of Liability / Per Accident
    • Limits of Liability / Per Occurrence
    • Limits of Liability / Per Person
    • Limits of Liability / Aggregate
    • Limits of Liability / Split limits
    • Limits of Liability / Combined Single Limit
    • Coinsurance
    • Coinsurance / Purpose
    • Coinsurance / Definition
    • Coinsurance / Calculation
    • Coinsurance / Penalties
    • Coinsurance / Total versus Partial Loss
    • Specific, Scheduled, and Blanket Insurance
    • Vacant versus Unoccupied
    • Named Insured Provisions
    • Named Insured Provisions / First Named Insured versus Other Insureds
    • Named Insured Provisions / Duties After Loss
    • Named Insured Provisions / Assignment
    • Named Insured Provisions / Waiver of Rights
    • Insurer Provisions
    • Insurer Provisions / Liberalization
    • Insurer Provisions / Subrogation
    • Insurer Provisions / Claim Settlement Options
    • Insurer Provisions / Duty to Defend
    • Third-party Provisions
    • Third-party Provisions / Standard Mortgage Clause
    • Third-party Provisions / Loss Payable Clause
    • Third-party Provisions / No Benefit to the Bailee
  • Dwelling Policy Concepts (2%)
    • Purpose and Eligibility
    • Perils Insured Against
    • Perils Insured Against / Basic
    • Perils Insured Against / Broad
    • Perils Insured Against / Special
    • Property Coverages
    • Property Coverages / Coverage A - Dwelling
    • Property Coverages / Coverage B - Other Structures
    • Property Coverages / Coverage C - Personal Property
    • Property Coverages / Coverage D - Fair Rental Value
    • Property Coverages / Coverage E - Additional Living Expenses
    • Property Coverages / Other Coverages
    • Dwelling Property Conditions
    • Dwelling Property Exclusions
    • Dwelling Property Endorsements
    • Personal Liability Supplement
    • Personal Liability Supplement / Coverage L - Personal Liability
    • Personal Liability Supplement / Coverage M - Medical Payments to Others
  • Homeowners Policy Concepts (12%)
    • Definitions
    • Eligibility and Purpose
    • Homeowners Policy Coverage Forms
    • Homeowners Policy Coverage Forms / Broad (HO-2)
    • Homeowners Policy Coverage Forms / Special (HO-3)
    • Homeowners Policy Coverage Forms / Contents Broad (HO-4)
    • Homeowners Policy Coverage Forms / Comprehensive (HO-5)
    • Homeowners Policy Coverage Forms / Unit-Owners (HO-6)
    • Homeowners Policy Coverage Forms / Modified Coverages (HO-8)
    • Section I - Property Coverages
    • Section I - Property Coverages / Coverage A - Dwelling
    • Section I - Property Coverages / Coverage B - Other Structures
    • Section I - Property Coverages / Coverage C - Personal Property
    • Section I - Property Coverages / Coverage D - Loss of Use
    • Section I - Property Coverages / Additional Coverages
    • Section II - Liability Coverages
    • Section II - Liability Coverages / Coverage E - Personal Liability
    • Section II - Liability Coverages / Coverage F - Medical Payments to Others
    • Section II - Liability Coverages / Additional Coverages
    • Homeowners Policy Exclusions
    • Homeowners Policy Exclusions / Section I-Property Covered Exclusions
    • Homeowners Policy Exclusions / Section II - Liability Covered Exclusions
    • Homeowners Policy Conditions
    • Homeowners Policy Endorsements
    • Homeowners Policy Endorsements / Business Pursuits
    • Homeowners Policy Endorsements / Earthquake
    • Homeowners Policy Endorsements / Home Day Care
    • Homeowners Policy Endorsements / Personal Injury
    • Homeowners Policy Endorsements / Personal Property Replacement Cost
    • Homeowners Policy Endorsements / Watercraft
    • Homeowners Policy Endorsements / Ordinance or Law
    • Scheduled Personal Property/Personal Articles Floater
  • Personal Automobile Policy (12%)
    • Definitions
    • Liability Coverage
    • Liability Coverage / Bodily Injury and Property Damage
    • Liability Coverage / Supplementary Payments
    • Liability Coverage / Exclusions
    • Liability Coverage / Liability Extension to Towed Vehicle
    • Medical Payments Coverage
    • Uninsured and Underinsured Motorists Coverage
    • Uninsured and Underinsured Motorists Coverage / Definitions
    • Uninsured and Underinsured Motorists Coverage / Bodily Injury
    • Uninsured and Underinsured Motorists Coverage / UM and UIM Rejection
    • Coverage for Damage to your Automobile
    • Coverage for Damage to your Automobile / Collision
    • Coverage for Damage to your Automobile / Other than Collision (Comprehensive)
    • Coverage for Damage to your Automobile / Deductibles
    • Coverage for Damage to your Automobile / Exclusions
    • Duties after an Accident or Loss
    • General Provisions
    • Endorsements
    • Endorsements / Towing and Labor Costs
    • Endorsements / Extended Non-Owned Coverage - Vehicles Furnished or Available for Regular Use
    • Endorsements / Joint Ownership Coverage
    • Endorsements / Rental Vehicle Coverage
  • Commercial Automobile Policy (4%)
    • Commercial Automobile Coverage Forms
    • Covered Automobiles
    • Covered Automobiles / Hired Automobiles
    • Covered Automobiles / Non-owned Automobiles
    • Liability
    • Physical Damage
    • Exclusions
    • Conditions
    • Definitions
    • Selected Endorsements
    • Selected Endorsements / Lessor - Additional Insured and Loss Payee
    • Selected Endorsements / Mobile Equipment
  • Commercial Property Policies (15%)
    • Commercial Package Policy
    • Commercial Package Policy / Purpose
    • Commercial Package Policy / Definition
    • Commercial Package Policy / Coverages
    • Commercial Package Policy / Coverage Extensions
    • Commercial Policy Components
    • Commercial Policy Components / Declarations
    • Commercial Policy Components / Conditions
    • Commercial Policy Components / Insuring Agreements
    • Commercial Policy Components / Exclusions
    • Commercial Property Forms
    • Commercial Property Forms / Coverage Forms for Building and Business Personal Property
    • Commercial Property Forms / Builders Risk
    • Commercial Property Forms / Business Income
    • Commercial Property Forms / Extra Expense
    • Commercial Property Forms / Legal Liability
    • Commercial Property Forms / Cause of Loss Forms
    • Commercial Property Forms / Commercial Crime
    • Commercial Property Endorsements
    • Commercial Property Endorsements / Ordinance or Law
    • Commercial Property Endorsements / Peak Season Limit of Insurance
    • Commercial Property Endorsements / Spoilage
    • Commercial Property Endorsements / Value Reporting Form
    • Commercial Property Endorsements / Earthquake
    • Commercial Property Endorsements / Equipment Breakdown Coverages
    • Commercial Inland Marine - Purpose
    • Ocean Marine (Distinction Between Inland and Ocean)
    • Farm Coverage
    • Farm Coverage / Farm Property Coverage Form
    • Farm Coverage / Farm Property Coverage Form / Coverage A - Dwellings
    • Farm Coverage / Farm Property Coverage Form / Coverage B - Other Private Structures
    • Farm Coverage / Farm Property Coverage Form / Coverage C - Household Personal Property
    • Farm Coverage / Farm Property Coverage Form / Coverage D - Loss of Use
    • Farm Coverage / Farm Property Coverage Form / Coverage E - Scheduled Farm Personal Property
    • Farm Coverage / Farm Property Coverage Form / Coverage F - Unscheduled Farm Personal Property
    • Farm Coverage / Farm Property Coverage Form / Coverage G - Other Farm Structures
    • Farm Coverage / Farm Property Coverage Form / Coverage H - Bodily Injury and Property Damage Liability
    • Farm Coverage / Farm Property Coverage Form / Coverage I - Personal and Advertising Injury Liability
    • Farm Coverage / Farm Property Coverage Form / Coverage J - Medical Payments
  • Commercial General Liability (10%)
    • Commercial Policy Components
    • Commercial Policy Components / Declarations
    • Commercial Policy Components / Conditions
    • Commercial Policy Components / Interline Endorsements
    • Commercial General Liability Coverages
    • Commercial General Liability Coverages / Bodily Injury and Property Damage
    • Commercial General Liability Coverages / Personal and Advertising Injury
    • Commercial General Liability Coverages / Medical Payments
    • Commercial General Liability Coverages / Conditions
    • Commercial General Liability Coverages / Definitions
    • Commercial General Liability Coverages / Exclusions
    • Occurrence versus Claims-made
    • Occurrence versus Claims-made / Trigger
    • Occurrence versus Claims-made / Retroactive Date
    • Commercial General Liability Exposures
    • Commercial General Liability Exposures / Premises and Operations
    • Commercial General Liability Exposures / Products and Completed Operations
    • Commercial General Liability Exposures / Contractual Liability
  • Businessowners Policy (4%)
    • Characteristics and Purpose
    • Businessowners Section I — Property
    • Businessowners Section I — Property / Coverage
    • Businessowners Section I — Property / Exclusions
    • Businessowners Section I — Property / Limits of Insurance
    • Businessowners Section I — Property / Deductibles
    • Businessowners Section I — Property / Loss Conditions
    • Businessowners Section I — Property / General Conditions
    • Businessowners Section I — Property / Optional Coverages
    • Businessowners Section I — Property / Definitions
    • Businessowners Section II — Liability
    • Businessowners Section II — Liability / Coverages
    • Businessowners Section II — Liability / Exclusions
    • Businessowners Section II — Liability / Who is an Insured
    • Businessowners Section II — Liability / Limits of Insurance
    • Businessowners Section II — Liability / General Conditions
    • Businessowners Section II — Liability / Definitions
  • Other Types of Property and Casualty Insurance - Purpose and General Characteristics (3%)
    • Specialty Liability Insurance
    • Specialty Liability Insurance / Directors and Officers
    • Specialty Liability Insurance / Professional and Errors and Omissions
    • Specialty Liability Insurance / Employment Practices
    • Specialty Liability Insurance / Employee Benefits
    • Specialty Liability Insurance / Cyber Liability and Network Protection
    • Surety Contracts
    • Surety Contracts / Differences between Surety and Insurance
    • Surety Contracts / Obligation of the Surety
    • Surety Contracts / Parties to the Surety Bond
    • Surety Contracts / Parties to the Surety Bond / Principal
    • Surety Contracts / Parties to the Surety Bond / Obligee
    • Surety Contracts / Parties to the Surety Bond / Surety
    • Personal Umbrella, Commercial Umbrella, and Excess Policies
    • Personal Umbrella, Commercial Umbrella, and Excess Policies / Underlying Limits
    • Personal Umbrella, Commercial Umbrella, and Excess Policies / Self-Insured Retention
    • Mobile Home Policy (Insuring Agreement)
    • Earthquake Insurance (Insuring Agreement)
    • Earthquake Insurance (Insuring Agreement) / Deductible
    • Flood Insurance
  • Workers' Compensation Laws (2%)
    • Workers' Compensation Coverages and Benefits
    • Rating and Job Classification
    • Workers' Compensation Definitions
    • Workers' Compensation Definitions / Occupational Accident versus Occupational Disease and Illness
    • Workers' Compensation Definitions / Levels of Disability
    • Federal Laws
Examination sources

New Mexico Property Insurance

Provider
PSI Services LLC
Format
Computer-administered written examination
Exam questions
100 scored items; additional unscored experimental items may be administered
Time limit
2 hours
Passing score
70%
Exam fee
$75
Examination outline
  • Insurance Regulation (10%)
    • Licensing
    • Licensing / Process (59A-11-2, 3, 59A-12-12; Reg 13.4.2.8, .9)
    • Licensing / Types of Licensees (Reg 13.4.2.7, .11)
    • Licensing / Types of Licensees (Reg 13.4.2.7, .11) / Insurance Producers (59A-12-2)
    • Licensing / Types of Licensees (Reg 13.4.2.7, .11) / Brokers (59A-12-3)
    • Licensing / Types of Licensees (Reg 13.4.2.7, .11) / Consultants (59A-11A-1-8)
    • Licensing / Types of Licensees (Reg 13.4.2.7, .11) / Nonresident (59A-12-25) (59A-11-24)
    • Licensing / Types of Licensees (Reg 13.4.2.7, .11) / Temporary (59A-11-4; 59A-12-19; Reg 13.4.2.12)
    • Licensing / Maintenance and Duration
    • Licensing / Maintenance and Duration / Expiration and Renewal (59A-11-10, 11)
    • Licensing / Maintenance and Duration / Address Change (59A-12-17) (59A-11-24)
    • Licensing / Maintenance and Duration / Continuing Education (59A-12-26; Reg 13.4.7.9, .12)
    • Licensing / Disciplinary Actions
    • Licensing / Disciplinary Actions / Suspension, Revocation, or Refusal to Renew (59A-11-8, 10, 14–16, 18)
    • Licensing / Disciplinary Actions / Cease and Desist Orders (59A-16-27)
    • Licensing / Disciplinary Actions / Penalties and Fines (59A-1-18, 59A-11- 17, 21)
    • State Regulation
    • State Regulation / Superintendent's General Duties and Powers (59A-2-8-10)
    • State Regulation / Company Regulation
    • State Regulation / Company Regulation / Certificate of Authority (59A-5-10)
    • State Regulation / Company Regulation / Unfair Claims Settlement Practices (59A-16-20)
    • State Regulation / Company Regulation / Complaint Record (59A-16-22)
    • State Regulation / Company Regulation / Appointment of Insurance Producer (59A- 11-12; Reg 13.4.2.17)
    • State Regulation / Company Regulation / Termination of Insurance Producer Appointment (59A-11-13; Reg 13.4.2.29)
    • State Regulation / Insurance Producer Regulation
    • State Regulation / Insurance Producer Regulation / Shared Commissions (59A-12-24)
    • State Regulation / Insurance Producer Regulation / Fiduciary Duties (59A-12-22)
    • State Regulation / Insurance Producer Regulation / Prohibited Premiums or Charges (59A-16- 24)
    • State Regulation / Unfair Insurance Trade Practices
    • State Regulation / Unfair Insurance Trade Practices / Misrepresentation (59A-16-4, 23)
    • State Regulation / Unfair Insurance Trade Practices / False Advertising (59A-16-4, 5)
    • State Regulation / Unfair Insurance Trade Practices / Twisting (59A-16-6)
    • State Regulation / Unfair Insurance Trade Practices / Defamation (59A-16-10)
    • State Regulation / Unfair Insurance Trade Practices / Unfair Discrimination (59A-16, 13, 17(D))
    • State Regulation / Unfair Insurance Trade Practices / Rebating (59A-16-16–18)
    • State Regulation / Unfair Insurance Trade Practices / Boycott, Coercion, or Intimidation (59A- 16-19)
    • State Regulation / Examination of Books and Records (59A-4-3, 4)
    • State Regulation / Insurance Fraud Act (59A-16C-1-16)
    • State Regulation / Consumer Information Privacy (59A-2-9.3; Reg 13.1.3.1-.28)
  • Federal Laws and Regulations (3%)
    • Fair Credit Reporting Act
    • 18 United States Code (USC) Sections 1033 and 1034 - Purpose
    • Flood Insurance Education (National Flood Insurance Program (NFIP))
  • General Insurance Concepts (14%)
    • Risk
    • Risk / Methods of Handling Risk (e.g., Avoidance, Retention, Sharing, Reduction, Transfer)
    • Risk / Elements of Insurable Risks
    • Risk / Definitions (e.g., Risk, Hazard, Peril, Loss)
    • Classifications of Insurers
    • Classifications of Insurers / Mutual, Stock
    • Classifications of Insurers / Admitted, Non-Admitted
    • Classifications of Insurers / Foreign, Domestic, Alien
    • Elements of a Contract
    • Elements of a Contract / Consideration
    • Elements of a Contract / Competent Parties
    • Elements of a Contract / Legal Purpose
    • Elements of a Contract / Offer
    • Elements of a Contract / Acceptance
    • Authority and Powers of Producers - Definitions
    • Authority and Powers of Producers - Definitions / Express
    • Authority and Powers of Producers - Definitions / Implied
    • Authority and Powers of Producers - Definitions / Apparent
    • Authority and Powers of Producers - Definitions / The Law of Agency
    • Legal Interpretations Affecting Contracts
    • Legal Interpretations Affecting Contracts / Reasonable Expectations
    • Legal Interpretations Affecting Contracts / Indemnity
    • Legal Interpretations Affecting Contracts / Good Faith
    • Legal Interpretations Affecting Contracts / Fraud
    • Legal Interpretations Affecting Contracts / Warranties, Representations, Misrepresentations, and Concealment
  • Property Insurance Basics (22%)
    • Insurable Interest
    • Underwriting (Purpose, Process, Results)
    • Rate Development
    • Rate Development / Types
    • Rate Development / Components
    • Rate Development / Basis
    • Types of Hazards
    • Types of Hazards / Moral
    • Types of Hazards / Morale
    • Types of Hazards / Physical
    • Types of Perils
    • Types of Perils / Named
    • Types of Perils / Open
    • Types of Loss
    • Types of Loss / Direct
    • Types of Loss / Indirect
    • Loss Valuation
    • Loss Valuation / Actual Cash Value
    • Loss Valuation / Replacement Cost
    • Loss Valuation / Market Value
    • Loss Valuation / Agreed Value
    • Loss Valuation / Valued Policy
    • Loss Valuation / Replacement Cost
    • Policy Structure
    • Policy Structure / Declarations
    • Policy Structure / Definitions
    • Policy Structure / Insuring Agreement
    • Policy Structure / Additional/Supplementary Coverage
    • Policy Structure / Conditions
    • Policy Structure / Exclusions
    • Policy Structure / Endorsements
    • Policy Clauses
    • Policy Clauses / Insureds
    • Policy Clauses / Policy Period
    • Policy Clauses / Policy Territory
    • Policy Clauses / Cancellation and Non-Renewal
    • Policy Clauses / Deductibles
    • Policy Clauses / Other Insurance
    • Policy Clauses / Other Insurance / Nonconcurrency
    • Policy Clauses / Other Insurance / Primary and Excess
    • Policy Clauses / Other Insurance / Pro Rata
    • Policy Clauses / Other Insurance / Contribution by Equal Shares
    • Coinsurance
    • Coinsurance / Purpose
    • Coinsurance / Definition
    • Coinsurance / Calculation
    • Coinsurance / Penalties
    • Coinsurance / Total versus Partial Loss
    • Specific, Scheduled, and Blanket Insurance
    • Vacant versus Unoccupied
    • Named Insured Provisions
    • Named Insured Provisions / First Named Insured versus Other Insureds
    • Named Insured Provisions / Duties After Loss
    • Named Insured Provisions / Assignment
    • Named Insured Provisions / Waiver of Rights
    • Insurer Provisions
    • Insurer Provisions / Liberalization
    • Insurer Provisions / Subrogation
    • Insurer Provisions / Claim Settlement Options
    • Insurer Provisions / Duty to Defend
    • Third-party Provisions
    • Third-party Provisions / Standard Mortgage Clause
    • Third-party Provisions / Loss Payable Clause
    • Third-party Provisions / No Benefit to the Bailee
  • Dwelling Policy Concepts (3%)
    • Purpose and Eligibility
    • Perils Insured Against
    • Perils Insured Against / Basic
    • Perils Insured Against / Broad
    • Perils Insured Against / Special
    • Property Coverages
    • Property Coverages / Coverage A - Dwelling
    • Property Coverages / Coverage B - Other Structures
    • Property Coverages / Coverage C - Personal Property
    • Property Coverages / Coverage D - Fair Rental Value
    • Property Coverages / Coverage E - Additional Living Expenses
    • Property Coverages / Other Coverages
    • Dwelling Property Conditions
    • Dwelling Property Exclusions
    • Dwelling Property Endorsements
    • Personal Liability Supplement
    • Personal Liability Supplement / Coverage L - Personal Liability
    • Personal Liability Supplement / Coverage M - Medical Payments to Others
  • Homeowners Policy Concepts (21%)
    • Definitions
    • Eligibility and Purpose
    • Homeowners Policy Coverage Forms
    • Homeowners Policy Coverage Forms / Broad (HO-2)
    • Homeowners Policy Coverage Forms / Special (HO-3)
    • Homeowners Policy Coverage Forms / Contents Broad (HO-4)
    • Homeowners Policy Coverage Forms / Comprehensive (HO-5)
    • Homeowners Policy Coverage Forms / Unit-Owners (HO-6)
    • Homeowners Policy Coverage Forms / Modified Coverages (HO-8)
    • Section I - Property Coverages
    • Section I - Property Coverages / Coverage A - Dwelling
    • Section I - Property Coverages / Coverage B - Other Structures
    • Section I - Property Coverages / Coverage C - Personal Property
    • Section I - Property Coverages / Coverage D - Loss of Use
    • Section I - Property Coverages / Additional Coverages
    • Section II - Liability Coverages
    • Section II - Liability Coverages / Coverage E - Personal Liability
    • Section II - Liability Coverages / Coverage F - Medical Payments to Others
    • Section II - Liability Coverages / Additional Coverages
    • Homeowners Policy Exclusions
    • Homeowners Policy Exclusions / Section I-Property Covered Exclusions
    • Homeowners Policy Exclusions / Section II - Liability Covered Exclusions
    • Homeowners Policy Conditions
    • Homeowners Policy Endorsements
    • Homeowners Policy Endorsements / Business Pursuits
    • Homeowners Policy Endorsements / Earthquake
    • Homeowners Policy Endorsements / Home Day Care
    • Homeowners Policy Endorsements / Personal Injury
    • Homeowners Policy Endorsements / Personal Property Replacement Cost
    • Homeowners Policy Endorsements / Watercraft
    • Homeowners Policy Endorsements / Ordinance or Law
    • Scheduled Personal Property/Personal Articles Floater
  • Commercial Property Policies (19%)
    • Commercial Package Policy
    • Commercial Package Policy / Purpose
    • Commercial Package Policy / Definition
    • Commercial Package Policy / Coverages
    • Commercial Package Policy / Coverage Extensions
    • Commercial Policy Components
    • Commercial Policy Components / Declarations
    • Commercial Policy Components / Conditions
    • Commercial Policy Components / Insuring Agreements
    • Commercial Policy Components / Exclusions
    • Commercial Property Forms
    • Commercial Property Forms / Coverage Forms for Building and Business Personal Property
    • Commercial Property Forms / Builders Risk
    • Commercial Property Forms / Business Income
    • Commercial Property Forms / Extra Expense
    • Commercial Property Forms / Legal Liability
    • Commercial Property Forms / Cause of Loss Forms
    • Commercial Crime
    • Commercial Property Endorsements
    • Commercial Property Endorsements / Ordinance or Law
    • Commercial Property Endorsements / Peak Season Limit of Insurance
    • Commercial Property Endorsements / Spoilage
    • Commercial Property Endorsements / Value Reporting Form
    • Commercial Property Endorsements / Earthquake
    • Commercial Property Endorsements / Equipment Breakdown Coverages
    • Commercial Inland Marine - Purpose
    • Ocean Marine (Distinction Between Inland and Ocean)
    • Farm Coverage
    • Farm Coverage / Farm Property Coverage Form
    • Farm Coverage / Farm Property Coverage Form / Coverage A - Dwellings
    • Farm Coverage / Farm Property Coverage Form / Coverage B - Other Private Structures
    • Farm Coverage / Farm Property Coverage Form / Coverage C - Household Personal Property
    • Farm Coverage / Farm Property Coverage Form / Coverage D - Loss of Use
    • Farm Coverage / Farm Property Coverage Form / Coverage E - Scheduled Farm Personal Property
    • Farm Coverage / Farm Property Coverage Form / Coverage F - Unscheduled Farm Personal Property
    • Farm Coverage / Farm Property Coverage Form / Coverage G - Other Farm Structures
    • Farm Coverage / Farm Property Coverage Form / Coverage H - Bodily Injury and Property Damage Liability
    • Farm Coverage / Farm Property Coverage Form / Coverage I - Personal and Advertising Injury Liability
    • Farm Coverage / Farm Property Coverage Form / Coverage J - Medical Payments
  • Businessowners Policy (5%)
    • Characteristics and Purpose
    • Businessowners Section I — Property
    • Businessowners Section I — Property / Coverage
    • Businessowners Section I — Property / Exclusions
    • Businessowners Section I — Property / Limits of Insurance
    • Businessowners Section I — Property / Deductibles
    • Businessowners Section I — Property / Loss Conditions
    • Businessowners Section I — Property / General Conditions
    • Businessowners Section I — Property / Optional Coverages
    • Businessowners Section I — Property / Definitions
    • Businessowners Section II — Liability
    • Businessowners Section II — Liability / Coverages
    • Businessowners Section II — Liability / Exclusions
    • Businessowners Section II — Liability / Who is an Insured
    • Businessowners Section II — Liability / Limits of Insurance
    • Businessowners Section II — Liability / General Conditions
    • Businessowners Section II — Liability / Definitions
  • Other Types of Property Insurance - Purpose and General Characteristics (3%)
    • Mobile Home Policy (Insuring Agreement)
    • Earthquake Insurance (Insuring Agreement)
    • Earthquake Insurance (Insuring Agreement) / Deductible
    • Flood Insurance
Examination sources

New Mexico Personal Lines Insurance

Provider
PSI Services LLC
Format
Computer-administered examination; test center or remote proctoring
Exam questions
100 scored items; an additional 5 to 10 unscored experimental questions may be administered
Time limit
2 hours
Passing score
70% correct
Exam fee
$75
Examination outline
  • Insurance Regulation (10%)
    • Licensing
    • Licensing / Process (59A-11-2, 3, 59A-12-12; Reg 13.4.2.8, .9)
    • Licensing / Types of Licensees (Reg 13.4.2.7, .11)
    • Licensing / Types of Licensees (Reg 13.4.2.7, .11) / Insurance Producers (59A-12-2)
    • Licensing / Types of Licensees (Reg 13.4.2.7, .11) / Brokers (59A-12-3)
    • Licensing / Types of Licensees (Reg 13.4.2.7, .11) / Consultants (59A-11A-1-8)
    • Licensing / Types of Licensees (Reg 13.4.2.7, .11) / Nonresident (59A-12-25) (59A-11-24)
    • Licensing / Types of Licensees (Reg 13.4.2.7, .11) / Temporary (59A-11-4; 59A-12-19; Reg 13.4.2.12)
    • Licensing / Maintenance and Duration
    • Licensing / Maintenance and Duration / Expiration and Renewal (59A-11-10, 11)
    • Licensing / Maintenance and Duration / Address Change (59A-12-17) (59A-11-24)
    • Licensing / Maintenance and Duration / Continuing Education (59A-12-26; Reg 13.4.7.9, .12)
    • Licensing / Disciplinary Actions
    • Licensing / Disciplinary Actions / Suspension, Revocation, or Refusal to Renew (59A-11-8, 10, 14–16, 18)
    • Licensing / Disciplinary Actions / Cease and Desist Orders (59A-16-27)
    • Licensing / Disciplinary Actions / Penalties and Fines (59A-1-18, 59A-11- 17, 21)
    • State Regulation
    • State Regulation / Superintendent's General Duties and Powers (59A-2-8-10)
    • State Regulation / Company Regulation
    • State Regulation / Company Regulation / Certificate of Authority (59A-5-10)
    • State Regulation / Company Regulation / Unfair Claims Settlement Practices (59A-16-20)
    • State Regulation / Company Regulation / Complaint Record (59A-16-22)
    • State Regulation / Company Regulation / Appointment of Insurance Producer (59A- 11-12; Reg 13.4.2.17)
    • State Regulation / Company Regulation / Termination of Insurance Producer Appointment (59A-11-13; Reg 13.4.2.29)
    • State Regulation / Insurance Producer Regulation
    • State Regulation / Insurance Producer Regulation / Shared Commissions (59A-12-24)
    • State Regulation / Insurance Producer Regulation / Fiduciary Duties (59A-12-22)
    • State Regulation / Insurance Producer Regulation / Prohibited Premiums or Charges (59A-16- 24)
    • State Regulation / Unfair Insurance Trade Practices
    • State Regulation / Unfair Insurance Trade Practices / Misrepresentation (59A-16-4, 23)
    • State Regulation / Unfair Insurance Trade Practices / False Advertising (59A-16-4, 5)
    • State Regulation / Unfair Insurance Trade Practices / Twisting (59A-16-6)
    • State Regulation / Unfair Insurance Trade Practices / Defamation (59A-16-10)
    • State Regulation / Unfair Insurance Trade Practices / Unfair Discrimination (59A-16, 13, 17(D))
    • State Regulation / Unfair Insurance Trade Practices / Rebating (59A-16-16–18)
    • State Regulation / Unfair Insurance Trade Practices / Boycott, Coercion, or Intimidation (59A- 16-19)
    • State Regulation / Examination of Books and Records (59A-4-3, 4)
    • State Regulation / Insurance Fraud Act (59A-16C-1-16)
    • State Regulation / Consumer Information Privacy (59A-2-9.3; Reg 13.1.3.1-.28)
  • Federal Laws and Regulations (2%)
    • Fair Credit Reporting Act
    • 18 United States Code (USC) Sections 1033 and 1034 - Purpose
    • Flood Insurance Education (National Flood Insurance Program (NFIP))
  • General Insurance Concepts (14%)
    • Risk
    • Risk / Methods of Handling Risk (e.g., Avoidance, Retention, Sharing, Reduction, Transfer)
    • Risk / Elements of Insurable Risks
    • Risk / Definitions (e.g., Risk, Hazard, Peril, Loss)
    • Classifications of Insurers
    • Classifications of Insurers / Mutual, Stock
    • Classifications of Insurers / Admitted, Non-Admitted
    • Classifications of Insurers / Foreign, Domestic, Alien
    • Elements of a Contract
    • Elements of a Contract / Consideration
    • Elements of a Contract / Competent Parties
    • Elements of a Contract / Legal Purpose
    • Elements of a Contract / Offer
    • Elements of a Contract / Acceptance
    • Authority and Powers of Producers - Definitions
    • Authority and Powers of Producers - Definitions / Express
    • Authority and Powers of Producers - Definitions / Implied
    • Authority and Powers of Producers - Definitions / Apparent
    • Authority and Powers of Producers - Definitions / The Law of Agency
    • Legal Interpretations Affecting Contracts
    • Legal Interpretations Affecting Contracts / Reasonable Expectations
    • Legal Interpretations Affecting Contracts / Indemnity
    • Legal Interpretations Affecting Contracts / Good Faith
    • Legal Interpretations Affecting Contracts / Fraud
    • Legal Interpretations Affecting Contracts / Warranties, Representations, Misrepresentations, and Concealment
  • Property and Casualty Insurance Basics (26%)
    • Insurable Interest
    • Liability
    • Liability / Absolute
    • Liability / Strict
    • Liability / Vicarious
    • Underwriting (Purpose, Process, Results)
    • Types of Hazards
    • Types of Hazards / Moral
    • Types of Hazards / Morale
    • Types of Hazards / Physical
    • Types of Perils
    • Types of Perils / Named
    • Types of Perils / Open
    • Types of Loss
    • Types of Loss / Direct
    • Types of Loss / Indirect
    • Loss Valuation
    • Loss Valuation / Actual Cash Value
    • Loss Valuation / Replacement Cost
    • Loss Valuation / Market Value
    • Loss Valuation / Agreed Value
    • Loss Valuation / Valued Policy
    • Loss Valuation / Replacement Cost
    • Negligence
    • Negligence / Torts
    • Negligence / Elements of a Negligent Act
    • Negligence / Defense Against Negligence
    • Accident versus Occurrence
    • Policy Structure
    • Policy Structure / Declarations
    • Policy Structure / Definitions
    • Policy Structure / Insuring Agreement
    • Policy Structure / Additional/Supplementary Coverage
    • Policy Structure / Conditions
    • Policy Structure / Exclusions
    • Policy Structure / Endorsements
    • Policy Clauses
    • Policy Clauses / Insureds
    • Policy Clauses / Policy Period
    • Policy Clauses / Policy Territory
    • Policy Clauses / Cancellation and Non-Renewal
    • Policy Clauses / Deductibles
    • Policy Clauses / Other Insurance
    • Policy Clauses / Other Insurance / Nonconcurrency
    • Policy Clauses / Other Insurance / Primary and Excess
    • Policy Clauses / Other Insurance / Pro Rata
    • Policy Clauses / Other Insurance / Contribution by Equal Shares
    • Limits of Liability
    • Limits of Liability / Per Accident
    • Limits of Liability / Per Occurrence
    • Limits of Liability / Per Person
    • Limits of Liability / Aggregate
    • Limits of Liability / Split limits
    • Limits of Liability / Combined Single Limit
    • Coinsurance
    • Coinsurance / Purpose
    • Coinsurance / Definition
    • Coinsurance / Calculation
    • Coinsurance / Penalties
    • Coinsurance / Total versus Partial Loss
    • Specific, Scheduled, and Blanket Insurance
    • Vacant versus Unoccupied
    • Named Insured Provisions
    • Named Insured Provisions / First Named Insured versus Other Insureds
    • Named Insured Provisions / Duties After Loss
    • Named Insured Provisions / Assignment
    • Named Insured Provisions / Waiver of Rights
    • Insurer Provisions
    • Insurer Provisions / Liberalization
    • Insurer Provisions / Subrogation
    • Insurer Provisions / Claim Settlement Options
    • Insurer Provisions / Duty to Defend
    • Third-Party Provisions
    • Third-Party Provisions / Standard Mortgage Clause
    • Third-Party Provisions / Loss Payable Clause
    • Third-Party Provisions / No Benefit to the Bailee
  • Dwelling Policy Concepts (9%)
    • Purpose and Eligibility
    • Definitions
    • Perils Insured Against
    • Perils Insured Against / Basic
    • Perils Insured Against / Broad
    • Perils Insured Against / Special
    • Property Coverages
    • Property Coverages / Coverage A - Dwelling
    • Property Coverages / Coverage B - Other Structures
    • Property Coverages / Coverage C - Personal Property
    • Property Coverages / Coverage D - Fair Rental Value
    • Property Coverages / Coverage E - Additional Living Expenses
    • Property Coverages / Other Coverages
    • Personal Liability Supplement
    • Personal Liability Supplement / Coverage L - Personal Liability
    • Personal Liability Supplement / Coverage M - Medical Payments to Others
    • Dwelling Property Conditions
    • Dwelling Property Exclusions
    • Dwelling Policy Endorsements
  • Homeowners Policy Concepts (19%)
    • Definitions
    • Eligibility and Purpose
    • Homeowners Policy Coverage Forms
    • Homeowners Policy Coverage Forms / Broad (HO-2)
    • Homeowners Policy Coverage Forms / Special (HO-3)
    • Homeowners Policy Coverage Forms / Contents Broad (HO-4)
    • Homeowners Policy Coverage Forms / Comprehensive (HO-5)
    • Homeowners Policy Coverage Forms / Unit-Owners (HO-6)
    • Homeowners Policy Coverage Forms / Modified Coverages (HO-8)
    • Section I - Property Coverages
    • Section I - Property Coverages / Coverage A - Dwelling
    • Section I - Property Coverages / Coverage B - Other Structures
    • Section I - Property Coverages / Coverage C - Personal Property
    • Section I - Property Coverages / Coverage D - Loss of Use
    • Section I - Property Coverages / Additional Coverages
    • Section II - Liability Coverages
    • Section II - Liability Coverages / Coverage E - Personal Liability
    • Section II - Liability Coverages / Coverage F - Medical Payments to Others
    • Section II - Liability Coverages / Additional Coverages
    • Homeowners Policy Exclusions
    • Homeowners Policy Exclusions / Section I - Property Covered Exclusions
    • Homeowners Policy Exclusions / Section II - Liability Covered Exclusions
    • Homeowners Policy Conditions
    • Homeowners Policy Endorsements
    • Homeowners Policy Endorsements / Business Pursuits
    • Homeowners Policy Endorsements / Earthquake
    • Homeowners Policy Endorsements / Home Day Care
    • Homeowners Policy Endorsements / Personal Injury
    • Homeowners Policy Endorsements / Personal Property Replacement Cost
    • Homeowners Policy Endorsements / Watercraft
    • Scheduled Personal Property/Personal Articles Floater
  • Personal Automobile Policy (13%)
    • Definitions
    • Liability Coverage
    • Liability Coverage / Bodily Injury and Property Damage
    • Liability Coverage / Supplementary Payments
    • Liability Coverage / Exclusions
    • Liability Coverage / Liability Extension to Towed Vehicle
    • Medical Payments Coverage
    • Uninsured and Underinsured Motorists Coverage
    • Uninsured and Underinsured Motorists Coverage / Definitions
    • Uninsured and Underinsured Motorists Coverage / Bodily Injury
    • Uninsured and Underinsured Motorists Coverage / UM and UIM Rejection
    • Coverage for Damage to your Automobile
    • Coverage for Damage to your Automobile / Collision
    • Coverage for Damage to your Automobile / Other than Collision (Comprehensive)
    • Coverage for Damage to your Automobile / Deductibles
    • Coverage for Damage to your Automobile / Exclusions
    • Duties after an Accident or Loss
    • General Provisions
    • Endorsements
    • Endorsements / Towing and Labor Costs
    • Endorsements / Extended Non-Owned Coverage - Vehicles Furnished or Available for Regular Use
    • Endorsements / Joint Ownership Coverage
    • Endorsements / Rental Vehicle Coverage
  • Other Types of Personal Insurance (7%)
    • Personal Umbrella and Excess Policies
    • Mobile Home Policy (Insuring Agreement)
    • Earthquake Insurance (Insuring Agreement)
    • Earthquake Insurance (Insuring Agreement) / Deductible
    • Flood Insurance
    • Watercraft
Examination sources