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Section 1
Licensing — license required and lines of authority
Preview
Preview: Insurance Regulation
Preview includes- 4 of 5 lesson topics
- 1 overview segment
- 3 core concepts
- 1 exam tips
Lesson Topics
- Licensing Requirements Overview
- Line of Authority Definition
- Producer Licensing Obligations
- Authority Scope Determination
Overview
Exam-ready review of Licensing — license required and lines of authority within the Insurance Regulation domain.
Core Concepts
- Arizona requires an insurance producer license to sell, solicit, or negotiate insurance unless a statutory exception applies.
- Major lines include Life and Accident and Health or Sickness as separate lines of authority; variable life and variable annuity products are also a listed line.
- Life authority covers insurance on human lives, endowments and annuities and may include accidental-death/dismemberment and disability-income benefits.
Exam Tips
- When a scenario says sell, solicit, negotiate, or advise about substantive policy terms, identify the required line of authority before anything else.
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Section 2
Licensing — application qualifications
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Section 3
Licensing — renewal and continuing education
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Section 4
Licensing — temporary licenses
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Section 5
Producer conduct — commissions
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Section 6
Producer conduct — reporting administrative actions
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Section 7
Unfair trade practices — policy misrepresentation
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Section 8
Claims practices and fraud reporting
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Section 9
Fair Credit Reporting Act — adverse action
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Section 10
Gramm-Leach-Bliley Act — nonpublic personal information
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Section 11
Telemarketing Sales Rule — Do Not Call
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Section 12
CAN-SPAM — commercial email
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Section 13
18 U.S.C. § 1033 — crimes involving dishonesty or breach of trust
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Section 14
Genetic Information Nondiscrimination Act — scope
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Section 15
Risk concepts — pure versus speculative risk
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Section 16
Risk concepts — peril and hazard
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Section 17
Risk management — transfer
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Section 18
Risk management — avoidance
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Section 19
Law of large numbers
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Section 20
Adverse selection
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Section 21
Contract characteristics — aleatory
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Section 22
Contract characteristics — adhesion
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Section 23
Contract characteristics — unilateral
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Section 24
Contract elements — consideration
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Section 25
Agency — express authority
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Section 26
Agency — implied authority
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Section 27
Agency — apparent authority
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Section 28
Waiver and estoppel
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Section 29
Insurable interest — timing
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Section 30
Personal uses of life insurance — income replacement
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Section 31
Business uses — key person life insurance
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Section 32
Business uses — buy-sell funding
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Section 33
Application process — producer responsibilities
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Section 34
Application process — representations
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Section 35
Underwriting sources — attending physician statement
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Section 36
Underwriting sources — consumer reports
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Section 37
Conditional receipt — underwriting outcome
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Section 38
Policy delivery — statement of good health
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Section 39
Premium factors — mortality
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Section 40
Premium factors — morbidity
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Section 41
Risk classification — preferred
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Section 42
Risk classification — standard
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Section 43
Risk classification — substandard
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Section 44
Field underwriting — collection of premium
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Section 45
Insurable interest — creditor
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Section 46
Life insurance needs — liquidity
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Section 47
Health insurance basics — medical expense risk
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Section 48
Health insurance basics — disability income need
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Section 49
Health insurance basics — long-term care need
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Section 50
Health insurance basics — accidental injury versus sickness
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Section 51
Needs analysis — human life value
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Section 52
Needs analysis — needs approach
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Section 53
Policy effective date — no premium with application
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Section 54
Replacement basics — comparison duty
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Section 55
Underwriting — material information
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Section 56
Underwriting — adverse selection control
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Section 57
Producer role — explaining illustrations
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Section 58
Risk classification — rating versus exclusion
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Section 59
Policy delivery — explaining amendments
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Section 60
Policyowner versus insured
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Section 61
Beneficiary basics
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Section 62
Health underwriting — purpose of medical information
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Section 63
Term life — level term
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Section 64
Term life — decreasing term
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Section 65
Term life — increasing term
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Section 66
Term life — renewability
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Section 67
Term life — convertibility
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Section 68
Whole life — ordinary continuous premium
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Section 69
Whole life — limited pay
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Section 70
Whole life — single premium
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Section 71
Adjustable life
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Section 72
Universal life — flexible premium
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Section 73
Variable life — investment risk
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Section 74
Variable universal life
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Section 75
Indexed universal life
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Section 76
Joint life — first-to-die
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Section 77
Survivorship life — second-to-die
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Section 78
Juvenile life insurance
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Section 79
Group life insurance
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Section 80
Term versus permanent insurance
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Section 81
Ownership rights
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Section 82
Assignment — ownership rights
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Section 83
Collateral assignment
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Section 84
Free-look provision
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Section 85
Arizona life grace period
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Section 86
Arizona life incontestability
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Section 87
Misstatement of age
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Section 88
Reinstatement
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Section 89
Contestability after reinstatement
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Section 90
Beneficiaries — primary and contingent
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Section 91
Beneficiaries — irrevocable
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Section 92
Settlement option — lump sum
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Section 93
Settlement option — interest only
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Section 94
Settlement option — fixed period
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Section 95
Settlement option — fixed amount
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Section 96
Settlement option — life income
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Section 97
Nonforfeiture — cash surrender
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Section 98
Nonforfeiture — reduced paid-up
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Section 99
Nonforfeiture — extended term
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Section 100
Policy loans
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Section 101
Dividends — participating policy
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Section 102
Dividend option — paid-up additions
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Section 103
Waiver of premium rider
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Section 104
Guaranteed insurability rider
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Section 105
Accidental death rider
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Section 106
Term rider
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Section 107
Payor benefit rider
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Section 108
Cost-of-living rider
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Section 109
Return-of-premium term rider
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Section 110
Accelerated death benefit
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Section 111
Annuity parties — owner
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Section 112
Annuity parties — annuitant
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Section 113
Annuity phases — accumulation
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Section 114
Immediate annuity
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Section 115
Deferred annuity
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Section 116
Fixed annuity — investment risk
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Section 117
Variable annuity — separate accounts
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Section 118
Indexed annuity
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Section 119
Life-only annuity payout
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Section 120
Life with period certain
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Section 121
Joint and survivor annuity
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Section 122
Refund annuity option
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Section 123
Arizona annuity best-interest duties
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Section 124
Arizona annuity disclosure
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Section 125
Time limit on certain defenses
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Section 126
Preexisting condition after two years
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Section 127
Grace period — weekly premium
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Section 128
Grace period — monthly premium
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Section 129
Grace period — other premium modes
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Section 130
Notice of claim
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Section 131
Proof of loss
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Section 132
Entire contract provision
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Section 133
Reinstatement provision
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Section 134
Claim forms
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Section 135
Physical examination and autopsy
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Section 136
Legal actions
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Section 137
Payment of claims
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Section 138
Change of beneficiary
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Section 139
Optional provision — change of occupation
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Section 140
Optional provision — illegal occupation
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Section 141
Total disability — own occupation
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Section 142
Total disability — any occupation
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Section 143
Residual disability
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Section 144
Presumptive disability
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Section 145
Recurrent disability
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Section 146
Elimination period
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Section 147
Benefit period
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Section 148
Business overhead expense insurance
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Section 149
Disability buy-sell insurance
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Section 150
Key person disability insurance
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Section 151
Social Security disability — duration and severity
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Section 152
Social Security disability — total, not partial
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Section 153
Deductible
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Section 154
Copayment
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Section 155
Coinsurance
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Section 156
Out-of-pocket maximum
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Section 157
HMO network concept
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Section 158
PPO network concept
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Section 159
POS plan
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Section 160
Primary care provider
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Section 161
Preauthorization
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Section 162
Utilization review
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Section 163
Preventive care
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Section 164
Ambulatory care
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Section 165
Hospital indemnity insurance
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Section 166
Critical illness insurance
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Section 167
Accidental death and dismemberment
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Section 168
Affordable Care Act — preexisting conditions
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Section 169
Mental health parity — financial requirements
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Section 170
Mental health parity — prior authorization
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Section 171
PPO cost tradeoff
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Section 172
Health plan premium versus cost sharing
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Section 173
Out-of-network emergency concept
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Section 174
Plan design — major medical
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Section 175
Master contract and certificate
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Section 176
Contributory versus noncontributory
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Section 177
Group eligibility and probationary period
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Section 178
Coordination of benefits
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Section 179
COBRA — job loss
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Section 180
COBRA — premium cost
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Section 181
Medicare Part A
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Section 182
Medicare Part B
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Section 183
Medicare Part C
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Section 184
Medicare Part D
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Section 185
Medigap and Original Medicare
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Section 186
Medigap eligibility and standardization
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Section 187
Long-term care — ADL trigger
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Section 188
Long-term care — elimination period
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Section 189
Arizona long-term care training
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Section 190
Arizona long-term care policy protections
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Section 191
Life insurance death proceeds
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Section 192
Interest on life proceeds
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Section 193
Cash surrender and basis
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Section 194
Participating policy dividends
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Section 195
Nonqualified annuity withdrawal — LIFO
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Section 196
Nonqualified annuity — annuitized payments
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Section 197
Early annuity distribution penalty
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Section 198
Individually paid disability insurance
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Section 199
Employer-paid disability insurance
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Section 200
HSA, HRA, and FSA distinctions
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