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Iowa Property Insurance — Requirements & Free Practice

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Insurance Producer — Excess and Surplus Lines

Specialty authority for nonadmitted property and casualty insurance under 522B.6(2)(g).

Licensing authority: Iowa Insurance Division · Application information

Restoration after withdrawal of child support or state debt noncompliance
No examination is required for this applicant pathway.
Application
Apply for reinstatement if already suspended; remain otherwise in compliance.
Continuing education
Meet any applicable CE and pay all renewal, reinstatement or reissuance fees; no separately identified new examination is imposed by 191-10.21(7).
Withdrawal
The issuing agency withdraws the certificate of noncompliance.

Official no-examination sources

Effective from 2026-09-22.

Disciplinary reinstatement

All of the following:

  • Excess & Surplus Lines (practice unavailable)

  • At least one of the following alternatives:

Additional information
The Division may require reasonably necessary documents; respond within 45 days or the application expires.
Application
File the Iowa Insurance Producer Application for Reinstatement or Reissuance After Disciplinary Action and any NIPR application required.
Burden
Show that the basis for discipline no longer exists and that relief is in the public interest; disclose further grounds for discipline.
Criminal history
Submit required fingerprints and criminal history checks under Iowa Code 522B.5A.
Disciplinary status
Suspended license for reinstatement; revoked, forfeited, or suspended-and-expired license for reissuance.
Examination
191-10.10(2)(a) requires the other prescribed requirements of 191-10.4 including the 90-day score timing. Applicant-specific relief in the order is a condition.
Fitness
No grounds for denial under Iowa Code 522B.11; possess requisite character and competence.
License fee
Pay the applicable $50 producer licensing fee.
Minimum age
At least eighteen years old.
Order
Comply with the governing licensing order; suspension continues until reinstatement by order. A request may precede the end of suspension but reinstatement cannot.
Prerequisite scores
Already passed either Property and Casualty or Personal Lines and Commercial Lines, as well as Excess & Surplus Lines. Earlier passing does not remove currently offered examinations from the requirement tree.
Residency
Iowa is the home state.
Score validity
Apply within 90 days after passing the examination; 191-10.4(4) voids older results.
Waiting period
If an order gives no terms or the license was forfeited, ordinarily wait at least one year under 191-10.10(2)(f).
Disciplinary reissuance

All of the following:

  • Excess & Surplus Lines (practice unavailable)

  • At least one of the following alternatives:

Additional information
The Division may require reasonably necessary documents; respond within 45 days or the application expires.
Application
File the Iowa Insurance Producer Application for Reinstatement or Reissuance After Disciplinary Action and any NIPR application required.
Burden
Show that the basis for discipline no longer exists and that relief is in the public interest; disclose further grounds for discipline.
Criminal history
Submit required fingerprints and criminal history checks under Iowa Code 522B.5A.
Disciplinary status
Suspended license for reinstatement; revoked, forfeited, or suspended-and-expired license for reissuance.
Examination
191-10.10(2)(a) requires the other prescribed requirements of 191-10.4 including the 90-day score timing. Applicant-specific relief in the order is a condition.
Fitness
No grounds for denial under Iowa Code 522B.11; possess requisite character and competence.
License fee
Pay the applicable $50 producer licensing fee.
Minimum age
At least eighteen years old.
Order
Comply with the governing licensing order; suspension continues until reinstatement by order. A request may precede the end of suspension but reinstatement cannot.
Prerequisite scores
Already passed either Property and Casualty or Personal Lines and Commercial Lines, as well as Excess & Surplus Lines. Earlier passing does not remove currently offered examinations from the requirement tree.
Residency
Iowa is the home state.
Score validity
Apply within 90 days after passing the examination; 191-10.4(4) voids older results.
Waiting period
If an order gives no terms or the license was forfeited, ordinarily wait at least one year under 191-10.10(2)(f).
Renewal relief for military service or other extenuating circumstances
Excess & Surplus Lines (practice unavailable)
Discretion
Request waiver of procedures and any examination, penalty or sanction under 522B.6(5). The waiver is an applicant condition.
Extenuating circumstances
Military service or other extenuating circumstances prevent compliance with renewal procedures.
Scope
This record retains the appropriate currently offered licensing examination if a renewal or return-to-license examination applies; an approved waiver excuses the individual.
Resident conversion after moving to Iowa
No examination is required for this applicant pathway.
Additional information
The Division may require reasonably necessary documents; respond within 45 days or the application expires.
Application
Submit the NAIC uniform application through NIPR and declare all statements true, correct and complete.
Application deadline
Apply within ninety days after establishing Iowa residence.
Board instructions
The pinned Division page asks holders to keep the old license active, obtain an Iowa nonresident license if necessary, and complete its address-change process.
Criminal history
Submit required fingerprints and criminal history checks under Iowa Code 522B.5A.
Fitness
No grounds for denial under Iowa Code 522B.11; possess requisite character and competence.
License fee
Pay the applicable $50 producer licensing fee.
Minimum age
At least eighteen years old.
Prior license
Licensed for the same authority in the prior home state.
Residency
Iowa is the home state.
Score validity
Apply within 90 days after passing the examination; 191-10.4(4) voids older results.

Official no-examination sources

Effective from 2026-09-22.

Add matching home state authority to a nonresident license
No examination is required for this applicant pathway.
Application
Submit the home-state application or uniform application through NIPR and pay required fees.
Criminal history
Submit a criminal history check if one has not already been completed.
Existing license
Hold an Iowa nonresident producer license and add only authority supported by the home-state license.
Home state license
Licensed and in good standing for the requested authority in the home state.
Reciprocity
The home state awards Iowa residents nonresident licenses on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Nonresident disciplinary reinstatement with statutory examination exemption
No examination is required for this applicant pathway.
Application
File the prescribed disciplinary application, criminal history check, and any NIPR filing and fees required.
Burden
Show the basis for discipline no longer exists, disclose additional grounds for discipline, establish public interest and comply with the licensing order.
Criminal history
Submit a criminal history check if one has not already been completed.
Disciplinary status
Iowa license suspended, revoked or forfeited; maintain an active good-standing home-state license for the same authority.
Division rule
191-10.10(2)(a) states: a. All proceedings for reinstatement or reissuance must be initiated by the applicant, who shall file with the commissioner an Iowa Insurance Producer Application for Reinstatement or Reissuance After Disciplinary Action. An applicant is not eligible for reinstatement or reissuance until the applicant has satisfied the other prescribed requirements of rule 191—10.4(522B), including the timing requirements of subrule 10.4(4). An applicant may also have to submit a new or renewal producer application through the NIPR Gateway and pay any associated fee. The statute governs the examination exemption, while this lower-ranked rule demand remains visible to the applicant.
Home state license
Licensed and in good standing for the requested authority in the home state.
Reciprocity
The home state awards Iowa residents nonresident licenses on the same basis.
Statutory exam exemption
Iowa Code 522B.8(1) exempts an individual currently licensed for the same line in another jurisdiction from examination.

Official no-examination sources

Effective from 2026-09-22.

Nonresident disciplinary reissuance with statutory examination exemption
No examination is required for this applicant pathway.
Application
File the prescribed disciplinary application, criminal history check, and any NIPR filing and fees required.
Burden
Show the basis for discipline no longer exists, disclose additional grounds for discipline, establish public interest and comply with the licensing order.
Criminal history
Submit a criminal history check if one has not already been completed.
Disciplinary status
Iowa license suspended, revoked or forfeited; maintain an active good-standing home-state license for the same authority.
Division rule
191-10.10(2)(a) states: a. All proceedings for reinstatement or reissuance must be initiated by the applicant, who shall file with the commissioner an Iowa Insurance Producer Application for Reinstatement or Reissuance After Disciplinary Action. An applicant is not eligible for reinstatement or reissuance until the applicant has satisfied the other prescribed requirements of rule 191—10.4(522B), including the timing requirements of subrule 10.4(4). An applicant may also have to submit a new or renewal producer application through the NIPR Gateway and pay any associated fee. The statute governs the examination exemption, while this lower-ranked rule demand remains visible to the applicant.
Home state license
Licensed and in good standing for the requested authority in the home state.
Reciprocity
The home state awards Iowa residents nonresident licenses on the same basis.
Statutory exam exemption
Iowa Code 522B.8(1) exempts an individual currently licensed for the same line in another jurisdiction from examination.

Official no-examination sources

Effective from 2026-09-22.

Nonresident issuance by reciprocity
No examination is required for this applicant pathway.
Application
Submit the home-state application or uniform application through NIPR and pay required fees.
Criminal history
Submit a criminal history check if one has not already been completed.
Home state license
Licensed and in good standing for the requested authority in the home state.
Reciprocity
The home state awards Iowa residents nonresident licenses on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Nonresident new application after nondisciplinary surrender beyond ninety days
No examination is required for this applicant pathway.
Application
Submit the home-state application or uniform application through NIPR and pay required fees.
Criminal history
Submit a criminal history check if one has not already been completed.
Home state license
Licensed and in good standing for the requested authority in the home state.
Reciprocity
The home state awards Iowa residents nonresident licenses on the same basis.
Surrender
After ninety days of inactive status, apply for a new nonresident license.

Official no-examination sources

Effective from 2026-09-22.

Nonresident reinstatement within twelve months
No examination is required for this applicant pathway.
Application
Submit the home-state application or uniform application through NIPR and pay required fees.
Criminal history
Submit a criminal history check if one has not already been completed.
Expiration
Reinstate within twelve months after expiration using NIPR and pay renewal and reinstatement fees.
Home state license
Licensed and in good standing for the requested authority in the home state.
Reciprocity
The home state awards Iowa residents nonresident licenses on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Nonresident reissuance after lapse longer than twelve months
No examination is required for this applicant pathway.
Application
Submit the home-state application or uniform application through NIPR and pay required fees.
Criminal history
Submit a criminal history check if one has not already been completed.
Expiration
Apply for nonresident reissuance after the twelve-month reinstatement period.
Home state license
Licensed and in good standing for the requested authority in the home state.
Reciprocity
The home state awards Iowa residents nonresident licenses on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Nonresident renewal
No examination is required for this applicant pathway.
Application
Submit the home-state application or uniform application through NIPR and pay required fees.
Criminal history
Submit a criminal history check if one has not already been completed.
Home state license
Licensed and in good standing for the requested authority in the home state.
Reciprocity
The home state awards Iowa residents nonresident licenses on the same basis.
Renewal
Renew through NIPR in the 90 days before expiration, pay the fee and maintain home-state CE compliance as applicable.

Official no-examination sources

Effective from 2026-09-22.

Restoration after license payment failure
No examination is required for this applicant pathway.
Cause
License suspended because the licensing or renewal payment was dishonored or refused.
Hearing
May request a hearing within thirty days of the suspension notice.
Payment
Pay the required amounts and Division fees or penalties; restoration follows payment.

Official no-examination sources

Effective from 2026-09-22.

Issuance with same line prior licensure examination exemption
No examination is required for this applicant pathway.
Additional information
The Division may require reasonably necessary documents; respond within 45 days or the application expires.
Application
Submit the NAIC uniform application through NIPR and declare all statements true, correct and complete.
Criminal history
Submit required fingerprints and criminal history checks under Iowa Code 522B.5A.
Exam exemption
Licensed for the same authority in another jurisdiction now, or apply within 90 days after cancellation with certification of good standing at cancellation.
Fitness
No grounds for denial under Iowa Code 522B.11; possess requisite character and competence.
License fee
Pay the applicable $50 producer licensing fee.
Minimum age
At least eighteen years old.
Residency
Iowa is the home state.
Score validity
Apply within 90 days after passing the examination; 191-10.4(4) voids older results.

Official no-examination sources

Effective from 2026-09-22.

Reactivation after nondisciplinary surrender
No examination is required for this applicant pathway.
Deadline
Request reactivation within ninety days of inactive status.
Eligibility
Otherwise eligible to receive the license.
Surrender
Surrendered voluntarily to exit insurance business, without a disciplinary matter.

Official no-examination sources

Effective from 2026-09-22.

Add authority to an existing resident producer license

All of the following:

  • Excess & Surplus Lines (practice unavailable)

  • At least one of the following alternatives:

Additional information
The Division may require reasonably necessary documents; respond within 45 days or the application expires.
Application
Submit the NAIC uniform application through NIPR and declare all statements true, correct and complete.
Criminal history
Submit required fingerprints and criminal history checks under Iowa Code 522B.5A.
Existing license
Hold an existing Iowa resident producer license and apply through NIPR to add this authority.
Fitness
No grounds for denial under Iowa Code 522B.11; possess requisite character and competence.
License fee
Pay the applicable $50 producer licensing fee.
Minimum age
At least eighteen years old.
Prerequisite scores
Already passed either Property and Casualty or Personal Lines and Commercial Lines, as well as Excess & Surplus Lines. Earlier passing does not remove currently offered examinations from the requirement tree.
Residency
Iowa is the home state.
Score validity
Apply within 90 days after passing the examination; 191-10.4(4) voids older results.
Resident initial issuance by examination

All of the following:

  • Excess & Surplus Lines (practice unavailable)

  • At least one of the following alternatives:

Additional information
The Division may require reasonably necessary documents; respond within 45 days or the application expires.
Application
Submit the NAIC uniform application through NIPR and declare all statements true, correct and complete.
Criminal history
Submit required fingerprints and criminal history checks under Iowa Code 522B.5A.
Fitness
No grounds for denial under Iowa Code 522B.11; possess requisite character and competence.
License fee
Pay the applicable $50 producer licensing fee.
Minimum age
At least eighteen years old.
Prerequisite scores
Already passed either Property and Casualty or Personal Lines and Commercial Lines, as well as Excess & Surplus Lines. Earlier passing does not remove currently offered examinations from the requirement tree.
Residency
Iowa is the home state.
Score validity
Apply within 90 days after passing the examination; 191-10.4(4) voids older results.
Resident new application after nondisciplinary surrender beyond ninety days

All of the following:

  • Excess & Surplus Lines (practice unavailable)

  • At least one of the following alternatives:

Additional information
The Division may require reasonably necessary documents; respond within 45 days or the application expires.
Application
Submit the NAIC uniform application through NIPR and declare all statements true, correct and complete.
Criminal history
Submit required fingerprints and criminal history checks under Iowa Code 522B.5A.
Fitness
No grounds for denial under Iowa Code 522B.11; possess requisite character and competence.
License fee
Pay the applicable $50 producer licensing fee.
Minimum age
At least eighteen years old.
Prerequisite scores
Already passed either Property and Casualty or Personal Lines and Commercial Lines, as well as Excess & Surplus Lines. Earlier passing does not remove currently offered examinations from the requirement tree.
Residency
Iowa is the home state.
Score validity
Apply within 90 days after passing the examination; 191-10.4(4) voids older results.
Surrender
Request made more than ninety days after voluntary nondisciplinary surrender; apply for a new license.
Resident new application after lapse longer than twelve months

All of the following:

  • Excess & Surplus Lines (practice unavailable)

  • At least one of the following alternatives:

Additional information
The Division may require reasonably necessary documents; respond within 45 days or the application expires.
Application
Submit the NAIC uniform application through NIPR and declare all statements true, correct and complete.
Criminal history
Submit required fingerprints and criminal history checks under Iowa Code 522B.5A.
Expired license
Prior resident license expired more than twelve months ago; apply as a new licensee.
Fitness
No grounds for denial under Iowa Code 522B.11; possess requisite character and competence.
License fee
Pay the applicable $50 producer licensing fee.
Minimum age
At least eighteen years old.
Prerequisite scores
Already passed either Property and Casualty or Personal Lines and Commercial Lines, as well as Excess & Surplus Lines. Earlier passing does not remove currently offered examinations from the requirement tree.
Residency
Iowa is the home state.
Score validity
Apply within 90 days after passing the examination; 191-10.4(4) voids older results.
Resident reinstatement within twelve months with approved CE coursework already completed
No examination is required for this applicant pathway.
Continuing education
Required CE for the expired term was completed through approved coursework rather than the licensing-examination election; credit-only producers are exempt and crop-only producers meet their separate CE requirement.
Expiration
Apply within twelve months of expiration.
Fees
Pay the renewal fee and reinstatement fee; no additional written examination is necessary under 522B.6(4).

Official no-examination sources

Effective from 2026-09-22.

Resident reinstatement within twelve months when CE was not completed
Excess & Surplus Lines (practice unavailable)
Continuing education
Complete the required CE or elect the appropriate licensing examination as the Division instructions permit.
Expiration
License has expired less than twelve months.
Fees
Pay renewal and reinstatement fees.
Score report
If using the examination, submit the Pearson VUE score report directly to the Division; it is not uploaded to NIPR.
Statutory exam exemption
522B.6(4) permits reinstatement without the necessity of passing a written examination; the examination is an elective means of meeting CE, not an unconditional retest.
Resident renewal with CE examination election
Excess & Surplus Lines (practice unavailable)
Continuing education
36 approved CE credits including three ethics credits, or elect the appropriate licensing examination under 191-11.3(7).
Exam election
An applicant may satisfy CE through courses and need not sit the mounted examination; this route retains the officially offered examination election.
Exemptions
Licensed attorneys may provide continuing legal education; qualifying full-time active military service may exempt CE.
Renewal
Apply and pay the renewal fee within the 90 days before expiration; renewal term is three years.

Iowa Casualty Insurance Licensing Examination

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

Commercial Lines

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

Personal Lines

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

Excess & Surplus Lines

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

Property

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