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					District of Columbia Insurance
Content Outlines

   •   for examinations taken before August 1, 2008

   •   for examinations taken on or after August 1, 2008
      DISTRICT OF COLUMBIA                                                        Examination Content Outlines
               Insurance Supplement                                                             Effective January 1, 2007


                                                                                                     b. Grace period
               LIFE - GENERAL KNOWLEDGE                                                              c. Automatic premium loan
                                                                                                     d. Level or flexible
                     CONTENT OUTLINE
                                                                                                  8. Reinstatement
         Product Knowledge, Terms, and Concepts                                                   9. Policy loans, withdrawals, partial surrenders
      (50 scoreable questions plus 10 pretest questions)                                         10. Nonforfeiture options
                                                                                                 11. Dividends and dividend options
I.    TYPES OF POLICIES..................................................... 9                   12. Incontestability
      A. Traditional whole life products                                                         13. Assignments
          1. Ordinary (straight) life                                                            14. Suicide
          2. Limited-pay and single-premium life                                                 15. Misstatement of age and gender
          3. Adjustable life                                                                     16. Settlement options
      B. Interest-sensitive life products                                                     C. Policy exclusions
          1. Universal life
          2. Variable whole life                                                       III.   COMPLETING THE APPLICATION, UNDERWRITING, AND
                                                                                              DELIVERING THE POLICY ............................................12
          3. Variable universal life
                                                                                              A. Completing the application
          4. Interest-sensitive whole life
                                                                                                 1. Required signatures
      C. Term life
                                                                                                 2. Changes in the application
          1. Level, decreasing, and increasing term
                                                                                                 3. Consequences of incomplete applications
          2. Special features
                                                                                                 4. Warranties and representations
             a. Renewable
                                                                                                 5. Collecting the initial premium and issuing the receipt
             b. Convertible
                                                                                                 6. Replacement
      D. Annuities
                                                                                                 7. Disclosure at point of sale (i.e. HIPAA, HIV consent)
          1. Single, level, and flexible premium
                                                                                              B. Underwriting
          2. Immediate and deferred
                                                                                                 1. Insurable interest
          3. Fixed and variable
                                                                                                 2. Medical information and consumer reports
          4. Equity Index
                                                                                                 3. Fair Credit Reporting Act
      E. Combination plans and variations
                                                                                                 4. Risk classification
          1. Joint life
                                                                                              C. Delivering the policy
          2. Survivorship life
                                                                                                 1. When coverage begins
II.   POLICY RIDERS, PROVISIONS, OPTIONS, AND                                                    2. Explaining the policy and its provisions, riders,
      EXCLUSIONS................................................................. 21                 exclusions, and ratings to the client
      A. Policy riders                                                                        D. Do Not Call List
         1. Waiver of premium and waiver of premium with
             disability income                                                         IV.    TAXES, RETIREMENT, AND OTHER INSURANCE
                                                                                              CONCEPTS ....................................................................8
         2. Guaranteed insurability
                                                                                              A. Third-party ownership
         3. Payor benefit
                                                                                              B. Group life insurance
         4. Accidental death and/or accidental death and
                                                                                                 1. Conversion privilege
             dismemberment
                                                                                                 2. Contributory vs. noncontributory
         5. Term riders
                                                                                              C. Retirement plans
         6. Other insureds (e.g., spouse, children, nonfamily)
                                                                                                 1. Tax-qualified plans
         7. Cost of living
                                                                                                 2. Nonqualified plans
      B. Policy provisions and options
                                                                                              D. Business insurance
         1. Entire contract
                                                                                              E. Social Security benefits and taxes
         2. Insuring clause
                                                                                              F. Tax treatment of insurance premiums, proceeds,
         3. Free look
                                                                                                 dividends
         4. Consideration
                                                                                                 1. Individual life
         5. Owner’s rights
                                                                                                 2. Group life
         6. Beneficiary designations
                                                                                                 3. Modified Endowment Contracts (MECs)
             a. Primary and contingent
                                                                                              G. Accelerated Death Benefits—Living Benefit
             b. Revocable and irrevocable
                                                                                              H. Endowments
             c. Changes
             d. Common disaster
             e. Minor beneficiaries
         7. Premium Payment
             a. Modes


District of Columbia Insurance Supplement - Examination Content Outlines                                                                                  January 1, 2007
                                                     page 1
           ACCIDENT & HEALTH – GENERAL                                                            C. Other provisions and clauses
                   KNOWLEDGE                                                                          1. Insuring clause
                                                                                                      2. Free look (10-day, 20-day, etc.)
                 CONTENT OUTLINE
                                                                                                      3. Consideration clause
        Product Knowledge, Terms, and Concepts                                                        4. Probationary period
      (50 scoreable questions plus 10 pretest questions)                                              5. Elimination period
                                                                                                      6. Waiver of premium
I.    TYPES OF POLICIES..................................................... 14                       7. Exclusions
      A. Disability income                                                                            8. Preexisting conditions
          1. Individual disability income policy                                                      9. Recurrent disability
          2. Business overhead expense policy                                                        10. Coinsurance
          3. Business disability buyout policy                                                       11. Deductibles
          4. Group disability income policy                                                          12. Eligible expenses
          5. Key employee/partner policies                                                           13. Copayments
      B. Accidental death and dismemberment                                                          14. Pre-authorizations and prior approval requirements
      C. Medical expense insurance                                                                   15. Usual, reasonable, and customary (URC) charges
          1. Basic hospital, medical, and surgical policies                                          16. Lifetime, annual or per cause maximum benefit limits
          2. Major medical policies                                                               D. Riders
          3. Comprehensive major medical policies                                                     1. Impairment rider
          4. Health Maintenance Organizations (HMOs)                                                  2. Guaranteed insurability rider
          5. Preferred provider organizations (PPOs)                                                  3. Multiple indemnity rider (double, triple)
          6. Service organizations (Blue Plans)                                                   E. Rights of renewability
          7. Point of Service(POS) plans                                                              1. Noncancelable
          8. Medical Savings Accounts (MSAs)                                                          2. Cancelable
          9. Flexible Spending Accounts (FSAs)                                                        3. Guaranteed renewable
         10. Health Reimbursement Accounts (HRAs)                                                     4. Conditionally renewable
         11. High Deductible Health Plans (HDHPs) and related                                         5. Optionally renewable
              Health Savings Accounts (HSAs)                                                          6. Period of time for renewal
         12. Consumer Driven Health Plans (CDHPs)
      D. Medicare supplement policies                                                      III.   SOCIAL INSURANCE.....................................................3
      E. Group insurance                                                                          A. Medicare
          1. Group conversion                                                                        1. Primary, secondary payor
          2. Differences between individual and group contracts                                      2. Medicare parts A,B,C,D
          3. General concepts                                                                     B. Medicaid
          4. COBRA                                                                                C. Social Security benefits
          5. HIPAA                                                                         IV.    OTHER INSURANCE CONCEPTS.................................4
      F. Long Term Care                                                                           A. Total, partial, and residual disability
          1. Individual LTC contracts                                                             B. Owner’s rights
          2. Group/voluntary LTC contracts                                                        C. Dependent children benefits
          3. Service days vs. calendar days                                                       D. Primary and contingent beneficiaries
      G. Cancer (for specified diseases) plans                                                    E. Modes of premium payments (annual, semiannual,
      H. Critical illness plans                                                                      etc.)
      I. Worksite (employer-sponsored) Plans                                                      F. Nonduplication and coordination of benefits (e.g.,
II.   POLICY PROVISIONS, CLAUSES, AND RIDERS ........ 20                                             primary vs. excess)
      A. Mandatory provisions                                                                     G. Occupational vs. nonoccupational
          1. Entire contract                                                                      H. Tax treatment of premiums and proceeds of
          2. Time limit on certain defenses (incontestable)                                          insurance contracts (e.g., disability income and
          3. Grace period                                                                            medical expenses, etc.)
          4. Reinstatement                                                                        I. Managed care
          5. Notice of claim                                                                      J. Workers Compensation
          6. Claim forms                                                                          K. Subrogation
          7. Proof of loss                                                                 V.     FIELD UNDERWRITING PROCEDURES ......................9
          8. Time of payment of claims                                                            A. Completing application and obtaining necessary
          9. Payment of claims                                                                       signatures
         10. Physical examination and autopsy                                                     B. Explaining sources of insurability information (e.g.,
         11. Legal actions                                                                           MIB Report, Fair Credit Reporting Act, etc.)
         12. Change of beneficiary                                                                C. Initial premium payment and receipt and
      B. Optional provisions                                                                         consequences of the receipt (e.g. medical
          1. Change of occupation                                                                    examination, etc.)
          2. Misstatement of age                                                                  D. Submitting application (and initial premium if
          3. Illegal occupation                                                                      collected) to company for underwriting

District of Columbia Insurance Supplement - Examination Content Outlines                                                                                January 1, 2007
                                                                                  page 2
     E. Assuring delivery of policy and related documents to                                                   Ref: 411, 524, 1326
        client                                                                                         E. Fiduciary Capacity of Licensee
     F. Explaining policy and its provisions, riders,                                                     Ref: 429
        exclusions, and ratings to clients                                                             F. AIDS Law
     G. Replacement                                                                                       Ref: 221-223
     H. Contract law                                                                                   G. Flesch Guidelines
        1. Requirements of forming a contract                                                             Ref: 531-536
        2. Insurable interest                                                                          H. Credit Life and Credit Accident and Health
        3. Warranties and representations                                                                 Ref: 1001-1012
        4. Unique aspects of the health contract
                                                                                                II.    DISTICT OF COLUMBIA LAWS, RULES, AND
            a. Conditional
                                                                                                       REGULATIONS PERTINENT TO LIFE
            b. Unilateral                                                                              INSURANCE ONLY ........................................................9
            c. Adhesion                                                                                A. Required Provisions
                                                                                                          1. Grace Period
           LIFE, ACCIDENT, AND HEALTH -                                                                        Ref: 503(a)(2)
          DISTRICT OF COLUMBIA SPECIFIC                                                                   2. Reinstatement
                 CONTENT OUTLINE                                                                               Ref: 503(a)(10)
             State Laws, Rules, and Regulations                                                        B. Other Provisions
                                                                                                          1. Policy Loan
     (34 scoreable questions plus 7 pretest questions)                                                         Ref: 503(6)(B)(i), 509
                                                                                                          2. Benefits Protected from Creditors
I.   DISTRICT OF COLUMBIA LAWS, RULES, AND
     REGULATIONS COMMON TO LIFE, ACCIDENT AND                                                                  Ref: 523, 525
     HEALTH, PROPERTY, AND CASUALTY                                                                    C. Group Life
     INSURANCE................................................................... 20                      1. Eligible Groups
     Ref: All references are to Title 35 unless otherwise noted                                                Ref: 514
     A. Commissioner of Insurance and Securities                                                          2. Conversion/Termination Rights
         1. Broad Powers & Duties                                                                              Ref: 514(7)(C), 515, 516
             Ref: 102, 105-108, 404, 412, Title 47-2603                                                   3. Definition of Dependents
         2. Examination of Records                                                                             Ref: 514(7)(E)
             Ref: 405                                                                                     4. Contributory/Noncontributory Requirements
         3. Notice of Hearings                                                                                 Ref: 514
             Ref: 405; 26 DCMR 100-101                                                                 D. Annuities
     B. General Insurance Definitions                                                                     1. Standard Nonforfeiture Law
         1. Domestic, Foreign, Alien                                                                           Ref: 508
             Ref: 211, 302, 643, 701, 702; 26 DCMR 1001                                                   2. Variable Annuities
         2. Stock & Mutual Companies                                                                           Ref: 26 DCMR 1004
             Ref: 211, 616, 617, 619                                                                   E. Variable Life
         3. Fraternal Benefit Associations                                                                Ref: 26 DCMR 2700-2799
             Ref: 1201-1210
                                                                                                III.   DISTRICT OF COLUMBIA LAWS, RULES, AND
         4. Admitted/Nonadmitted and Certificate of Authority
                                                                                                       REGULATIONS PERTINENT TO ACCIDENT AND HEALTH
             Ref: 212, 404, 405, 603, Title 47-2603
                                                                                                       INSURANCE ONLY ........................................................5
     C. Licensing Requirements
                                                                                                       A. Required Coverages/Provisions
         1. Agent
                                                                                                          1. Newborns
             Ref: 302, 1321-1325, 1331-1334
                                                                                                              Ref: 1101-1105
                   26 DCMR Chap. 1
                                                                                                          2. Cancellation
         2. Termination and Renewal of License
                                                                                                              Ref: 517
             Ref: 1326-1330
                                                                                                          3. Substance Abuse and Mental Illness Coverage
     D. Unfair Trade Practices
                                                                                                              Ref: 2301-2311
         1. False Advertising
                                                                                                          4. Cancer Prevention
             Ref: 518; 26 DCMR 211, 299
                                                                                                              Ref: 2401-2403
         2. Rebating
                                                                                                          5. Portability
             Ref: 520
                                                                                                              Ref: DC Act 12-113
         3. Misrepresentation
                                                                                                       B. Medicare Supplements
             Ref: 519, 524
                                                                                                          1. Replacement Regulations
         4. Defamation
                                                                                                              Ref: Regulations 2227
             Ref: 411
                                                                                                          2. Disclosure Requirements
         5. Discrimination
                                                                                                              Ref: 2606
             Ref: 411, 524
         6. Twisting
             Ref: 519; 26 DCMR 2224.2(a)
         7. Penalties

District of Columbia Insurance Supplement - Examination Content Outlines                                                                                      January 1, 2007
                                                                                       page 3
                                                                                                 C.   Conditions
                                                                                                 D.   Exclusions
         PROPERTY – GENERAL KNOWLEDGE                                                            E.   Definition of the insured
                                                                                                 F.   Duties of the insured
               CONTENT OUTLINE
                                                                                                 G.   Obligations of the insurance company
         Product Knowledge, Terms, and Concepts                                                  H.   Mortgagee rights
       (50 scoreable questions plus 10 pretest questions)                                        I.   Proof of loss
Note:      To the extent that the specific contracts, forms, and                                 J.   Notice of claim
           endorsements dealt with in this outline are available in                              K.   Appraisal
           standardized versions, outline references are to items                                L.   Other Insurance Provision
           developed by (1) Insurance Services Office; (2) National                              M.   Assignment
           Council on Compensation Insurance; (3) Surety Association of                          N.   Subrogation
           America.                                                                              O.   Elements of a contract
                                                                                                 P.   Warranties, representations, and concealment
I.     TYPES OF POLICIES .................................................... 25                 Q.   Binders
       A. Personal lines                                                                         R.   Sources of insurability information
           1. Dwelling and contents (DP forms)                                                   S.   Fair Credit Reporting Act
           2. Homeowners (HO forms)
           3. Mobile Homes
       B. Commercial lines
                                                                                                              CASUALTY – GENERAL
           1. Commercial property                                                                              CONTENT OUTLINE
              a. Commercial building and personal property form                                     Product Knowledge, Terms, and Concepts
              b. Causes of loss forms
                                                                                                 (50 scoreable questions plus 10 pretest questions)
              c. Business income
                                                                                            Note:     To the extent that the specific contracts, forms and
              d. Extra expense
                                                                                                      endorsements dealt with in this outline are available in
           2. Commercial Package Policy (CPP)
                                                                                                      standardized versions, outline references are to items
           3. Boiler and machinery coverage forms
                                                                                                      developed by (1) Insurance Services Office; (2) National
           4. Businessowners Policy (BOP)
                                                                                                      Council on Compensation Insurance; (3) Surety Association of
       C. Inland marine
                                                                                                      America.
           1. Personal floaters
           2. Commercial floaters                                                           I.   TYPES OF POLICIES, BONDS, AND RELATED              TERMS
           3. Nationwide Definition                                                                 23
       D. Others                                                                                 A. Commercial general liability
           1. Flood                                                                                  1. Basic Hazards
           2. Earthquake                                                                                a. Premises and Operations
                                                                                                        b. Products and Completed Operations
II.    INSURANCE TERMS AND RELATED CONCEPTS...... 14
                                                                                                        c. Independent Contractors
       A. Insurance
                                                                                                        d. Contractual
       B. Insurable interest
                                                                                                     2. Commercial General Liability Coverage Forms
       C. Risk
                                                                                                        a. Coverage A: Bodily Injury and Property Damage
       D. Hazard
                                                                                                             Liability
       E. Peril
                                                                                                            (1) Occurrence
       F. Loss
                                                                                                            (2) Claims Made
           1. Direct
                                                                                                                 (a) Extended Reporting Periods: Basic and
           2. Indirect
                                                                                                                      Supplemental
       G. Proximate cause
                                                                                                                 (b) Retroactive Date
       H. Deductible
                                                                                                        b. Coverage B: Personal Injury and Advertising
       I. Indemnity
                                                                                                             Injury
       J. Actual cash value
                                                                                                        c. Coverage C: Medical Payments
       K. Replacement cost
                                                                                                        d. Supplemental Payments
       L. Limits of liability
                                                                                                        e. Who is an insured
       M. Coinsurance/Insurance to value
                                                                                                        f. Limits
       N. Accident
                                                                                                        g. Conditions (The candidate also should be
       O. Occurrence
                                                                                                             familiar with ISO’s Common Policy Conditions)
       P. Cancellation
                                                                                                        h. Definitions
       Q. Nonrenewal
                                                                                                 B. Automotive: personal auto and business
       R. Vacancy and unoccupancy
                                                                                                    (commercial) auto
       S. Liability
                                                                                                     1. Liability
       T. Negligence
                                                                                                     2. Medical Payments
III.   POLICY PROVISIONS AND CONTRACT LAW............. 11                                            3. Physical damage (collision and other than
       A. Declarations                                                                                  collision/comprehensive)
       B. Insuring agreement                                                                         4. Uninsured motorists

District of Columbia Insurance Supplement - Examination Content Outlines                                                                        January 1, 2007
                                                                                   page 4
             5. Underinsured motorists                                                          C. Conditions
             6. Who is an insured                                                               D. Exclusions
             7. Types of Auto                                                                   E. Definition of the insured
                 a. Owned                                                                       F. Duties of the insured after a loss
                 b. Non-owned                                                                   G. Cancellation and nonrenewal provisions
                 c. Hired                                                                       H. Additional (supplementary) payments
                 d. Temporary Substitute                                                        I. Proof of loss
             8. Garage Coverage Form, including Garagekeepers                                   J. Notice of claim
                 insurance                                                                      K. Arbitration
       C.   Workers Compensation insurance, Employers                                           L. Other insurance
            Liability insurance, and Related Issues                                             M. Subrogation
            (This section does not deal with specifics of state law, which                      N. Compliance with provisions of Fair Credit Reporting
            are addressed elsewhere in this outline.)                                              Act
             1. Standard policy concepts                                                        O. Claims made policy form
             2. Work-related vs. non-work-related                                               P. Salvage
             3. Other states’ insurance                                                         Q. Loss settlement provisions including consent to
       D.   Crime                                                                                  settle a loss
             1. Employee Theft
             2. Inside the premises-Theft of money and securities                                        PROPERTY & CASUALTY-
            3. Inside the premises-Robbery or safe burglary of other
                                                                                                     DISTRICT OF COLUMBIA SPECIFIC
                 property
                                                                                                            CONTENT OUTLINE
            4. Inside the premises-Robbery or burglary of other
                 property                                                                               State Laws, Rules, and Regulations
       E.   Surety Bonding                                                                      (30 scoreable questions plus 6 pretest questions)
            1. Definitions
                 a. Obligee                                                                I.   DISTRICT OF COLUMBIA LAWS, RULES, AND
                 b. Principal                                                                   REGULATIONS COMMON TO LIFE, ACCIDENT AND
                 c. Surety                                                                      HEALTH, PROPERTY, AND CASUALTY
                                                                                                INSURANCE ...................................................................19
       F.   Professional liability
             1. Errors and Omissions                                                            Ref: All references are to Title 35 unless otherwise noted
       G.   Umbrella/Excess liability                                                           A. Commissioner of Insurance and Securities
II.    INSURANCE TERMS AND RELATED CONCEPTS...... 15                                                1. Broad Powers & Duties
       A. Risk                                                                                           Ref: 101, 102, 105-108, 1505,1708
       B. Hazard                                                                                    2. Examination of Records
       C. Indemnity                                                                                      Ref: 1513, 1607, 1708
       D. Insurable interest                                                                        3. Notice of Hearings
       E. Actual cash value                                                                              Ref: 1554, 1704, 26 DCMR 100-101
       F. Negligence                                                                            B. Definitions
       G. Liability                                                                                 1. Domestic, Foreign, Alien
       H. Accident                                                                                       Ref: 211, 1503, 1523
       I. Occurrence                                                                                2. Stock & Mutual Companies
       J. Burglary                                                                                       Ref: 211
       K. Robbery                                                                                   3. Admitted/Nonadmitted and Certificate of Authority
       L. Theft                                                                                          Ref: 212, 1505, 1523, 1524, 1526
       M. Mysterious disappearance                                                              C. Licensing Requirements
       N. Binders                                                                                   1. Agent
       O. Warranties                                                                                     Ref: 1321-1325, 1331-1334; 1503, 1542, 1545,
       P. Representations                                                                                     1554; 26 DCMR 100
       Q. Concealment                                                                               2. Termination and Renewal of License
       R. Bodily injury liability                                                                        Ref: 1326-1330
       S. Property damage liability                                                             D. Unfair Trade Practices
       T. Personal injury liability                                                                 1. Rebating
       U. Limits of liability                                                                            Ref: 1535
       V. Deductibles                                                                               2. Misrepresentation
       W. Insured contract                                                                               Ref: 1326
       X. Deposit Premium/Audit                                                                     3. Discrimination
       Y. Certificate of Insurance                                                                       Ref: 1533; 26 DCMR 200, 203
                                                                                                    4. Penalties
III.   POLICY PROVISIONS ................................................... 12                          Ref: 1512, 1533, 1546; 26 DCMR 200.4
       A. Declarations                                                                          E. Fiduciary Capacity of Licensee
       B. Insuring agreement                                                                        Ref: 429

District of Columbia Insurance Supplement - Examination Content Outlines                                                                                   January 1, 2007
                                                                                  page 5
        F. Surplus Lines Brokers
            Ref: 1544
        G. Cancellation/Nonrenewal
            Ref: 2109; 26 DCMR 200-310
        H. Commission Sharing
            Ref: 1332, 1535
            I.   Insurance Guaranty Association
            Ref: 1901-1917
        J. Rate Regulation
            Ref: 1703-1707, 1709

II.     DISTRICT OF COLUMBIA LAWS, RULES AND
        REGULATIONS PERTINENT TO PROPERTY INSURANCE
        ONLY 4 ..........................................................................
        A. Industry Placement Facility/FAIR Plan
           Ref: 26 DCMR Chap. 13, 18

III.    DISTRICT OF COLUMBIA LAWS, RULES AND
        REGULATIONS PERTINENT TO CASUALTY INSURANCE
        ONLY ............................................................................ 7
        A. Workers' Compensation
           Ref: Workers' Compensation Assigned Risk Plan Manual,
                Title 36; Chap. 3
        B. Automobile Insurance
           Ref: Chap. 21
           1. Required Limits BI/PD
                Ref: 26 DCMR Chap. 6
           2. Uninsured/Underinsured Motorists
           3. Personal Injury Protection (PIP)
           4. Automobile Insurance Plan (AIP)


                           INDUSTRIAL FIRE
                        DISTRICT OF COLUMBIA
                          CONTENT OUTLINE
                             (40 scoreable questions)
       I.    THE 165-LINE STANDARD FIRE INSURANCE
             POLICY .............................................................................34
             A. Insured
             B. Fraud, concealment
             C. Perils and property excluded
             D. Cancellation
             E. Pro rata liability
             F. Loss procedure

II.     DISTRICT OF COLUMBIA LAWS, RULES AND
        REGULATIONS .............................................................. 6
        Ref: All references are to Title 35 unless otherwise noted
        A. Agent Licensing
            1. Requirements
                 Ref: 1536
            2. Agent compensation
                 Ref: 1535
            3. License termination
            4. Penalties
                 Ref: 1546
        B. Fire and allied perils rates
            Ref: 1709
        C. Cancellation rules
            Ref: DCMR 26 Section 300.2,301, 306




District of Columbia Insurance Supplement - Examination Content Outlines                                       January 1, 2007
                                                                                                      page 6
       DISTRICT OF COLUMBIA                                                 Examination Content Outlines
                Insurance Supplement                                                           Effective: August 1, 2008
                                                                                                  c. Automatic premium loan
                                                                                                  d. Level or flexible
                 LIFE-GENERAL KNOWLEDGE                                                       8. Reinstatement
                      CONTENT OUTLINE                                                         9. Policy loans, withdrawals, partial surrenders
                                                                                             10. Nonforfeiture options
           Product Knowledge, Terms and Concepts
                                                                                             11. Dividends and dividend options
      (50 scoreable questions plus 10 pretest questions)                                     12. Incontestability
                                                                                             13. Assignments
I.      TYPES OF POLICIES .................................................... 9
                                                                                             14. Suicide
        A. Traditional whole life products
                                                                                             15. Misstatement of age and gender
            1. Ordinary (straight) life
                                                                                             16. Settlement options
            2. Limited-pay and single-premium life
                                                                                          C. Policy exclusions
            3. Adjustable life
        B. Interest-sensitive life products                                        III.   COMPLETING THE APPLICATION, UNDERWRITING,
            1. Universal life                                                             AND DELIVERING THE POLICY ...............................12
            2. Variable whole life                                                        A. Completing the application
            3. Variable universal life                                                       1. Required signatures
            4. Interest-sensitive whole life                                                 2. Changes in the application
        C. Term life                                                                         3. Consequences of incomplete applications
            1. Level, decreasing, and increasing term                                        4. Warranties and representations
            2. Special features                                                              5. Collecting the initial premium and issuing the
                a. Renewable                                                                     receipt
                b. Convertible                                                               6. Replacement
        D. Annuities                                                                         7. Disclosures at point of sale (i.e. HIPAA, HIV
            1. Single, level, and flexible premium                                               consent)
            2. Immediate and deferred                                                     B. Underwriting
            3. Fixed and variable                                                            1. Insurable interest
            4. Equity Index                                                                  2. Medical information and consumer reports
        E. Combination plans and variations                                                  3. Fair Credit Reporting Act
            1. Joint life                                                                    4. Risk classification
            2. Survivorship life                                                          C. Delivering the policy
                                                                                             1. When coverage begins
II.     POLICY RIDERS, PROVISIONS, OPTIONS, AND
                                                                                             2. Explaining the policy and its provisions, riders,
        EXCLUSIONS……………………………………………21
                                                                                                 exclusions, and ratings to the client
        A. Policy riders
                                                                                          D. Do Not Call List
           1. Waiver of premium and waiver of premium with
               disability income                                                   IV.    TAXES, RETIREMENT, AND OTHER INSURANCE
           2. Guaranteed insurability                                                     CONCEPTS ....................................................................8
           3. Payor benefit                                                               A. Third-party ownership
           4. Accidental death and/or accidental death and                                B. Group life insurance
               dismemberment                                                                 1. Conversion privilege
           5. Term riders                                                                    2. Contributory vs. noncontributory
           6. Other insureds (e.g., spouse, children,                                     C. Retirement plans
               nonfamily)                                                                    1. Tax-qualified plans
           7. Cost of living                                                                 2. Nonqualified plans
        B. Policy provisions and options                                                  D. Business insurance
           1. Entire contract                                                             E. Social Security benefits and taxes
           2. Insuring clause                                                             F. Tax treatment of insurance premiums,
           3. Free look                                                                      proceeds, dividends
           4. Consideration                                                                  1. Individual life
           5. Owner’s rights                                                                 2. Group life
           6. Beneficiary designations                                                       3. Modified Endowment Contracts (MECs)
               a. Primary and contingent                                                  G. Accelerated Death Benefits—Living Benefits
               b. Revocable and irrevocable                                               H. Endowments
               c. Changes
               d. Common disaster
               e.Minor beneficiaries
           7. Premium Payment
               a. Modes
              b. Grace period

District of Columbia Insurance Supplement - Examination Content Outlines                                                                        Effective: August 1, 2008
                                                         page 1
                         LIFE,                                                                      Ref: 1601
            DISTRICT OF COLUMBIA SPECIFIC                                                        G. Insurance Guaranty Associations
                                                                                                    Ref: 5401, 5501
                   CONTENT OUTLINE
               State Laws, Rules, and Regulations                                          II.   DISTICT OF COLUMBIA LAWS, RULES, AND
                                                                                                 REGULATIONS PERTINENT TO LIFE
       (30 scoreable questions plus 5 pretest questions)                                         INSURANCE ONLY ........................................................10
                                                                                                 A. Required Provisions
I.   DISTRICT OF COLUMBIA LAWS, RULES, AND
                                                                                                    1. Grace Period
     REGULATIONS COMMON TO LIFE, ACCIDENT AND
     HEALTH, PROPERTY, AND CASUALTY                                                                     Ref: 4703 (a)(2)(A)
     INSURANCE................................................................... 20                2. Reinstatement
     Ref: All references are to Title 31 unless otherwise noted                                         Ref: 4703 (a)(10)
     A. Commissioner of Insurance and Securities                                                 B. Other Provisions
          1. Broad Powers & Duties                                                                  1. Policy Loan
               Ref: Title 47-260, 202                                                                   Ref: 4703(6)(A)(i)
          2. Examination of Records                                                                 2. Benefits Protected from Creditors
               Ref: 1402                                                                                 Ref: 4716(a), 4717
          3. Notice of Hearings                                                                  C. Group Life
               Ref: 405b; 233, 2231.23; 26 DCMR 100-101                                             1. Termination Rights
     B. General Insurance Definitions                                                                   Ref: 4711
          1. Domestic, Foreign, Alien                                                               2. Definition of Dependents
               Ref: 211, 302, 643, 701, 702; 26 DCMR 1001                                               Ref: 514(7)(E)
          2. Stock & Mutual Companies                                                            D. Annuities
               Ref: 211, 616, 617, 619                                                              1. Variable Annuities
          3. Certificate of Authority                                                                   Ref: 26 DCMR 1004
               Ref: 4304, 4403                                                                   E. Variable Life
     C. Licensing Requirements                                                                      Ref: 26 DCMR 2700-2799
           1. Producer                                                                           F. Credit Life
               Ref: 1131.01-.19                                                                     Ref: 5101
           2. License denial, nonrenewal, suspension or                                          G. Standard Nonforfeiture Law
               revocation                                                                           Ref: 4705.01, .02
               Ref: 1131.12
           3. Temporary License                                                            *For Life and Accident and Health only
               Ref: 1131.11
           4. Appointments                                                                              ACCIDENT & HEALTH – GENERAL
               Ref: 1131.14                                                                                     KNOWLEDGE
               a. Termination of Appointment                                                                  CONTENT OUTLINE
                  Ref: 1131.15
                                                                                                     Product Knowledge, Terms, and Concepts
           5. Commissions
               Ref: 1131.13                                                                       (50 scoreable questions plus 10 pretest questions)
           6. Reporting of actions
                                                                                           I.    TYPES OF POLICIES .....................................................14
              Ref: 1131.17
                                                                                                 A. Disability income
     D. Unfair Trade Practices
                                                                                                     1. Individual disability income policy
          1. False Advertising
                                                                                                     2. Business overhead expense policy
               Ref: 2231.04; 26 DCMR 211, 299
                                                                                                     3. Business disability buyout policy
          2. Rebating
                                                                                                     4. Group disability income policy
               Ref: 2231.12
                                                                                                     5. Key employee/partner policies
          3. Misrepresentation
                                                                                                 B. Accidental death and dismemberment
               Ref: 2231.19
                                                                                                 C. Medical expense insurance
          4. Defamation
                                                                                                     1. Basic hospital, medical, and surgical policies
               Ref: 2231.05
                                                                                                     2. Major medical policies
          5. Discrimination
                                                                                                     3. Comprehensive major medical policies
               Ref: 2231-13
                                                                                                     4. Health Maintenance Organizations (HMOs)
          6. Twisting
                                                                                                     5. Preferred Provider Organizations (PPOs)
               Ref: 2231.21; 26 DCMR 2224.2(a)
                                                                                                     6. Service organizations (Blue Plans)
          7. Penalties
                                                                                                     7. Point of Service(POS) plans
               Ref: 2231.22
                                                                                                     8. Medical Savings Accounts (MSAs)
     E. Fiduciary Capacity of Licensee
                                                                                                     9. Flexible Spending Accounts (FSAs)
         Ref: 4329
                                                                                                    10. Health Reimbursement Accounts (HRAs)
     F. AIDS Law*

District of Columbia Insurance Supplement - Examination Content Outlines                                                                        Effective: August 1, 2008
                                                                                       page 2
           11. High Deductible Health Plans (HDHPs) and                    E. Rights of renewability
                related Health Savings Accounts (HSAs)                        1. Noncancelable
           12. Consumer Driven Health Plans (CDHPs)                           2. Cancelable
      D.    Medicare supplement policies                                      3. Guaranteed renewable
      E.    Group insurance                                                   4. Conditionally renewable
            1. Group conversion                                               5. Optionally renewable
            2. Differences between individual and group                       6. Period of time for renewal
                contracts
                                                                    III.   SOCIAL INSURANCE.....................................................3
            3. General concepts
                                                                           A. Medicare
            4. Cobra
                                                                              1. Primary, secondary payor
            5. Hipaa
                                                                              2. Medicare Parts A,B,C,D
      F.    Long Term Care (LTC)
                                                                           B. Medicaid
            1. Individual LTC contracts
                                                                           C. Social Security benefits
            2. Group/voluntary LTC contracts
            3. Service days vs. calendar days                       IV.    OTHER INSURANCE CONCEPTS.................................4
      G.    Cancer (for specified diseases) plans                          A. Total, partial, and residual disability
      H.    Critical illness plans                                         B. Owner’s rights
      I.    Worksite (employer-sponsored) plans                            C. Dependent children benefits
                                                                           D. Primary and contingent beneficiaries
II.   POLICY PROVISIONS, CLAUSES, AND RIDERS ........ 20
                                                                           E. Modes of premium payments (annual, semiannual,
      A. Mandatory provisions
                                                                              etc.)
          1. Entire contract
                                                                           F. Nonduplication and coordination of benefits (e.g.,
          2. Time limit on certain defenses (incontestable)
                                                                              primary vs. excess)
          3. Grace period
                                                                           G. Occupational vs. nonoccupational
          4. Reinstatement
                                                                           H. Tax treatment of premiums and proceeds of
          5. Notice of claim
                                                                              insurance contracts (e.g., disability income and
          6. Claim forms
                                                                              medical expenses, etc.)
          7. Proof of loss
                                                                           I. Managed care
          8. Time of payment of claims
                                                                           J. Workers Compensation
          9. Payment of claims
                                                                           K. Subrogation
         10. Physical examination and autopsy
         11. Legal actions                                          V.     FIELD UNDERWRITING PROCEDURES ......................9
         12. Change of beneficiary                                         A. Completing application and obtaining necessary
      B. Optional provisions                                                  signatures
          1. Change of occupation                                          B. Explaining sources of insurability information
          2. Misstatement of age                                              (e.g., MIB Report, Fair Credit Reporting Act, etc.)
          3. Illegal occupation                                            C. Initial premium payment and receipt and
      C. Other provisions and clauses                                         consequences of the receipt (e.g. medical
          1. Insuring clause                                                  examination, etc.)
          2. Free look (10-day, 20-day, etc.)                              D. Submitting application (and initial premium if
          3. Consideration clause                                             collected) to company for underwriting
          4. Probationary period                                           E. Assuring delivery of policy and related documents
          5. Elimination period                                               to client
          6. Waiver of premium                                             F. Explaining policy and its provisions, riders,
          7. Exclusions                                                       exclusions, and ratings to clients
          8. Preexisting conditions                                        G. Replacement
          9. Recurrent disability                                          H. Contract law
         10. Coinsurance                                                       1. Requirements of forming a contract
         11. Deductibles                                                       2. Insurable interest
         12. Eligible expenses                                                 3. Warranties and representations
         13. Copayments                                                        4. Unique aspects of the health contract
         14. Pre-authorizations and prior approval                                 a. Conditional
             requirements                                                          b. Unilateral
         15. Usual, reasonable, and customary (URC) charges                        c. Adhesion
         16. Lifetime, annual or per cause maximum benefit
             limits
      D. Riders
          1. Impairment rider
          2. Guaranteed insurability rider
          3. Multiple indemnity rider (double, triple)

District of Columbia Insurance Supplement - Examination Content Outlines                                                 Effective: August 1, 2008
                                                              page 3
                                                                                                 F. AIDS Law*
                ACCIDENT, AND HEALTH -                                                              Ref: 1601
            DISTRICT OF COLUMBIA SPECIFIC                                                        G. Insurance Guaranty Associations
                                                                                                    Ref: 5401, 5501
                   CONTENT OUTLINE
               State Laws, Rules, and Regulations                                          II.   DISTRICT OF COLUMBIA LAWS, RULES, AND
                                                                                                 REGULATIONS PERTINENT TO ACCIDENT AND
       (25 scoreable questions plus 5 pretest questions)                                         HEALTH INSURANCE ONLY.........................................5
                                                                                                 A. Required Coverages/Provisions
I.   DISTRICT OF COLUMBIA LAWS, RULES, AND
                                                                                                    1. Newborns
     REGULATIONS COMMON TO LIFE, ACCIDENT AND
     HEALTH, PROPERTY, AND CASUALTY                                                                      Ref: 3801 thru 3805
     INSURANCE................................................................... 20                2. Cancellation
     Ref: All references are to Title 31 unless otherwise noted                                          Ref: 4712 (2) (H)
     A. Commissioner of Insurance and Securities                                                    3. Substance Abuse and Mental Illness Coverage
          1. Broad Powers & Duties                                                                       Ref: 3101 thru 3112
               Ref:Title 47-2603; 202                                                               4. Cancer Prevention
          2. Examination of Records                                                                      Ref: 2901 thru 2903, 2931, 2951 thru 2954
               Ref:1402                                                                             5. Grace Period
          3. Notice of Hearings                                                                          Ref: 4712 (1) (C) (i)
               Ref: 405(b), 233-2231.23; 26 DCMR 100-101                                            6. Reinstatement
     B. General Insurance Definitions                                                                    Ref: 4712 (1) (D) (i)
          1. Domestic, Foreign, Alien                                                            B. Medicare Supplements
               Ref: 211, 302, 643, 701, 702; 26 DCMR 1001                                           Ref: 3701 thru 3710
          2. Stock & Mutual Companies                                                                1. Replacement Regulations
               Ref: 211, 616, 617, 619                                                                   Ref: Title 26 DCMR 2227
          3. Certificate of Authority                                                                2. Disclosure Requirements
               Ref: 4304, 4403                                                                           Ref: 3705
     C. Licensing Requirements                                                                   C. Credit Accident and Health
         1. Producer                                                                                     Ref: 5101
              Ref: 1131.01-.19                                                                   D. Long Term Care
         2. License denial, nonrenewal, suspension or                                                    Ref: 3601-3612
              revocation
              Ref: 1131.12                                                                       * For Life and Accident and Health only
         3. Temporary License
              Ref: 1131.11
         4. Appointments                                                                            PROPERTY – GENERAL KNOWLEDGE
              Ref: 1131.14                                                                                CONTENT OUTLINE
              a. Termination of Appointment
                                                                                                     Product Knowledge, Terms, and Concepts
                 Ref: 1131.15
         5. Commissions                                                                           (50 scoreable questions plus 10 pretest questions)
              Ref: 1131.13                                                                       Note: To the extent that the specific contracts, forms, and
         6. Reporting of actions                                                                 endorsements dealt with in this outline are available in
              Ref: 1131.17                                                                       standardized versions, outline references are to items developed
     D. Unfair Trade Practices                                                                   by (1) Insurance Services Office; (2) National Council on
          1. False Advertising                                                                   Compensation Insurance; (3) Surety Association of America.
               Ref: 2231.04; 26 DCMR 211, 299
                                                                                           I.    TYPES OF POLICIES .....................................................25
          2. Rebating
                                                                                                 A. Personal lines
               Ref: 2231.12
                                                                                                    1. Dwelling and contents (DP forms)
          3. Misrepresentation
                                                                                                    2. Homeowners (HO forms)
               Ref: 2231.03, 19
                                                                                                    3. Mobile Homes
          4. Defamation
                                                                                                 B. Commercial lines
               Ref: 2231.05
                                                                                                    1. Commercial property
          5. Discrimination
                                                                                                     a. Commercial building and personal property form
               Ref: 2231.13
                                                                                                        b. Causes of loss forms
          6. Twisting
                                                                                                        c. Business income
               Ref: 2231.21 ; 26 DCMR 2224.2(a)
                                                                                                        d. Extra expense
          7. Penalties
                                                                                                    2. Commercial Package Policy (CPP)
               Ref: 2231
                                                                                                    3. Equipment Breakdown Coverage
     E. Fiduciary Capacity of Licensee
                                                                                                    4. Businessowners Policy (BOP)
         Ref: 4329

District of Columbia Insurance Supplement - Examination Content Outlines                                                                        Effective: August 1, 2008
                                                                                       page 4
       C. Inland marine
           1. Personal floaters
           2. Commercial floaters                                                          PROPERTY
           3. Nationwide Definition
                                                                                 DISTRICT OF COLUMBIA SPECIFIC
       D. Others
                                                                                        CONTENT OUTLINE
           1. Flood
           2. Earthquake                                                            State Laws, Rules, and Regulations

II.    INSURANCE TERMS AND RELATED CONCEPTS...... 14                         (25 scoreable questions plus 5 pretest questions)
       A. Insurance
                                                                    I.     DISTRICT OF COLUMBIA LAWS, RULES, AND
       B. Insurable interest                                               REGULATIONS COMMON TO LIFE, ACCIDENT AND
       C. Risk                                                             HEALTH, PROPERTY, AND CASUALTY
       D. Hazard                                                           INSURANCE…….. ..........................................................20
       E. Peril                                                            Ref: All references are to Title 31 unless otherwise noted
       F. Loss                                                             A. Commissioner of Insurance and Securities
           1. Direct                                                           1. Broad Powers & Duties
           2. Indirect                                                              Ref: 47-2603; 202
       G. Proximate cause                                                      2. Examination of Records
       H. Deductible                                                                Ref: 1402
       I. Indemnity                                                            3. Notice of Hearings
       J. Actual cash value                                                         Ref: 4305(b), 233, 2231.23 26 DCMR 100-101
       K. Replacement cost                                                 B. Definitions
       L. Limits of liability                                                  1. Domestic, Foreign, Alien
       M. Coinsurance/Insurance to value                                            Ref: 211, 302, 643, 701, 702; 26 DCMR 1001
       N. Accident                                                             2. Stock & Mutual Companies
       O. Occurrence                                                                Ref: 211, 616, 617, 619
       P. Cancellation                                                         3. Certificate of Authority
       Q. Nonrenewal                                                                Ref: 4304, 4403
       R. Vacancy and unoccupancy                                          C. Licensing Requirements
       S. Liability                                                             1. Producer
       T. Negligence                                                               Ref: 1131.01-.19
                                                                               2. License denial, nonrenewal, suspension or
III.   POLICY PROVISIONS AND CONTRACT LAW............. 11
                                                                                   revocation
       A. Declarations
                                                                                   Ref: 1131.12
       B. Insuring agreement
                                                                               3. Temporary License
       C. Conditions
                                                                                    Ref: 1131.11
       D. Exclusions
                                                                               4. Appointments
       E. Definition of the insured
                                                                                    Ref: 1131.14
       F. Duties of the insured
                                                                                    a. Termination of Appointment
       G. Obligations of the insurance company
                                                                                        Ref: 1131.15
       H. Mortgagee rights
                                                                               5. Commissions
       I. Proof of loss
                                                                                    Ref: 1131.13
       J. Notice of claim
                                                                               6. Reporting of actions
       K. Appraisal
                                                                                    Ref: 1131.17
       L. Other Insurance Provision
                                                                           D. Unfair Trade Practices
       M. Assignment
                                                                                1. False Advertising
       N. Subrogation
                                                                                    Ref: 2231.04; 26 DCMR 211, 299
       O. Elements of a contract
                                                                               2. Rebating
       P. Warranties, representations, and concealment
                                                                                    Ref: 2231.12
       Q. Binders
                                                                               3. Misrepresentation
       R. Sources of insurability information
                                                                                    Ref: 2231.05
       S. Fair Credit Reporting Act
                                                                               4. Defamation
                                                                                    Ref: 2231.05
                                                                               5. Discrimination
                                                                                    Ref: 2231.13
                                                                                6. Twisting
                                                                                    Ref: 2231.21; 26 DCMR 2224.2(a)
                                                                               7. Penalties
                                                                                    Ref: 2231.22
                                                                           E. Fiduciary Capacity of Licensee

District of Columbia Insurance Supplement - Examination Content Outlines                                                  Effective: August 1, 2008
                                                              page 5
          Ref: 4329                                                                                     B. Automotive: personal auto and business auto
       F. AIDS Law*                                                                                         1. Liability
          Ref: 1601                                                                                         2. Medical Payments
       G. Insurance Guaranty Association                                                                    3. Physical damage (collision and other than
          Ref: 5401, 5501                                                                                       collision/comprehensive)
                                                                                                            4. Uninsured motorists
II.    DISTRICT OF COLUMBIA LAWS, RULES AND
                                                                                                            5. Underinsured motorists
       REGULATIONS PERTINENT TO PROPERTY AND
       CASUALTY INSURANCE ………………………………3                                                                     6. Who is an insured
       A. Rate Regulation                                                                                   7. Types of Auto
           Ref: 26 DCMR 622, 2703 (a)(b)                                                                        a. Owned
       B. Surplus Lines Brokers                                                                                 b. Non-owned
           Ref: 2502.40                                                                                         c. Hired
       C. Cancellation/ Nonrenewal                                                                              d. Temporary Substitute
           Ref: 26 DCMR 200.1, 300 thru 308, 1111, 2231.11                                                  8. Garage Coverage Form, including Garagekeepers
                                                                                                                insurance
III.   DISTRICT OF COLUMBIA LAWS, RULES AND                                                             C. Workers Compensation insurance, Employers
       REGULATIONS PERTINENT TO PROPERTY                                                                   Liability insurance, and Related Issues
       INSURANCE ONLY ....................................................... 2
                                                                                                           (This section does not deal with specifics of state law,
        A. Industry Placement Facility
                                                                                                           which are addressed elsewhere in this outline.)
           Ref: DCMR Chap. 13, 18; 5003
                                                                                                            1. Standard policy concepts
                                                                                                            2. Work-related vs. non-work-related
       *For Life and Accident and Health only
                                                                                                            3. Other states’ insurance
                                                                                                        D. Crime
                                                                                                            1. Employee Theft
           CASUALTY – GENERAL KNOWLEDGE                                                                     2. Inside the Premises-Theft of Money and
                 CONTENT OUTLINE                                                                                Securities
            Product Knowledge, Terms, and Concepts                                                          3. Inside the Premises-Robbery or Safe Burglary of
                                                                                                                Other Property
        (50 scoreable questions plus 10 pretest questions)
                                                                                                            4. Inside the Premises - Robbery or Burglary of
       Note: To the extent that the specific contracts, forms and                                               Other Property
       endorsements dealt with in this outline are available in                                         E. Surety Bonding
       standardized versions, outline references are to items developed                                    1. Definitions
       by (1) Insurance Services Office; (2) National Council on                                               a. Obligee
       Compensation Insurance; (3) Surety Association of America.                                              b. Principal
I.     TYPES OF POLICIES, BONDS, AND RELATED                                                                   c. Surety
       TERMS ........................................................................... 23             F. Professional liability
       A. Commercial general liability                                                                      1. Errors and Omissions
          1. Basic Hazards                                                                              G. Umbrella/Excess liability
             a. Premises and Operations
                                                                                                  II.   INSURANCE TERMS AND RELATED CONCEPTS ......15
             b. Products and Completed Operations
                                                                                                        A. Risk
             c. Independent Contractors
                                                                                                        B. Hazard
             d. Insured contracts
                                                                                                        C. Indemnity
          2. Commercial General Liability Coverage Forms
                                                                                                        D. Insurable interest
             a. Coverage A: Bodily Injury and Property
                                                                                                        E. Actual cash value
             Damage Liability
                                                                                                        F. Negligence
                  (1) Occurrence
                                                                                                        G. Liability
                  (2) Claims Made
                                                                                                        H. Accident
                        (a) Extended Reporting Periods: Basic
                                                                                                        I. Occurrence
                        and Supplemental
                                                                                                        J. Burglary
                        (b) Retroactive Date
                                                                                                        K. Robbery
             b. Coverage B: Personal Injury and Advertising
                                                                                                        L. Theft
             Injury
                                                                                                        M. Mysterious disappearance
             c. Coverage C: Medical Payments
                                                                                                        N. Binders
             d. Supplemental Payments
                                                                                                        O. Warranties
             e. Who is an insured
                                                                                                        P. Representations
             f. Limits
                                                                                                        Q. Concealment
             g. Conditions (The candidate also should be
                                                                                                        R. Bodily injury liability
                  familiar with ISO’s Common Policy Conditions)
                                                                                                        S. Property damage liability
             h. Definitions
                                                                                                        T. Personal injury liability

District of Columbia Insurance Supplement - Examination Content Outlines                                                                      Effective: August 1, 2008
                                                                                              page 6
       U.   Limits of liability                                                                       3. Temporary License
       V.   Deductibles                                                                                  Ref: 1131.11
       W.   Insured contract                                                                          4. Appointments
       X.   Deposit Premium/Audit                                                                        Ref: 1131.14
       Y.   Certificate of Insurance                                                                     a. Termination of Appointment
                                                                                                             Ref: 1131.15
III.   POLICY PROVISIONS ................................................... 12
                                                                                                      5. Commissions
       A. Declarations
                                                                                                         Ref: 1131.13
       B. Insuring agreement
                                                                                                      6. Reporting of actions
       C. Conditions
                                                                                                         Ref: 1131.17
       D. Exclusions and Limitations
                                                                                                    D. Unfair Trade Practices
       E. Definition of the insured
                                                                                                      1. False Advertising
       F. Duties of the insured after a loss
                                                                                                         Ref: 2231.04; 26 DCMR 211, 299
       G. Cancellation and nonrenewal provisions
                                                                                                      2. Rebating
       H. Additional (supplementary) payments
                                                                                                         Ref: 2231.12
       I. Proof of loss
                                                                                                      3. Misrepresentation
       J. Notice of claim
                                                                                                         Ref: 2231.03, 19
       K. Arbitration
                                                                                                      4. Defamation
       L. Other insurance
                                                                                                         Ref: 2231.05
       M. Subrogation
                                                                                                      5. Discrimination
       N. Compliance with provisions of Fair Credit
                                                                                                         Ref: 2231.13
          Reporting Act
                                                                                                      6. Twisting
       O. Claims made policy form
                                                                                                         Ref: 2231.21; 26 DCMR 2224.2(a)
       P. Salvage
                                                                                                      7. Penalties
       Q. Loss settlement provisions including consent to
                                                                                                         Ref: 2231
          settle a loss
                                                                                                    E. Fiduciary Capacity of Licensee
                                                                                                       Ref: 4329
                                                                                                    F. AIDS Law*
                        CASUALTY-                                                                      Ref: 1601
              DISTRICT OF COLUMBIA SPECIFIC                                                         G. Insurance Guaranty Association
                     CONTENT OUTLINE                                                                   Ref: 5401, 5501
                 State Laws, Rules, and Regulations                                          II.      DISTRICT OF COLUMBIA LAWS, RULES AND
         (30 scoreable questions plus 5 pretest questions)                                            REGULATIONS PERTINENT TO PROPERTY AND
                                                                                                      CASUALTY INSURANCE ..............................................3
I.     DISTRICT OF COLUMBIA LAWS, RULES, AND                                                        A. Rate Regulation
       REGULATIONS COMMON TO LIFE, ACCIDENT AND                                                        Ref: 26 DCMR 622, 2703(a), (b)
       HEALTH, PROPERTY, AND CASUALTY                                                               B. Surplus Lines Broker
                                                                                                       Ref: 2502.40
       INSURANCE................................................................... 20
                                                                                                    C. Cancellation/ Nonrenewal
       Ref: All references are to Title 31 unless otherwise noted
                                                                                                       Ref: 26 DCMR 200.1, 300 thru 308, 1111, 2231.11
       A. Commissioner of Insurance and Securities
            1. Broad Powers & Duties                                                         III.     DISTRICT OF COLUMBIA LAWS, RULES AND
               Ref: 47-2603, 202                                                                      REGULATIONS PERTINENT TO CASUALTY
            2. Examination of Records                                                                 INSURANCE ONLY .......................................................7
               Ref: 1402                                                                              A. Workers' Compensation
            3. Notice of Hearings                                                                        Ref: Workers' Compensation Assigned Risk Plan
               Ref: 4305(b), 233, 2231.23; 26 DCMR 100-101                                               Manual,Title 32, Chap. 15
       B. Definitions                                                                                 B. Compulsory/ No Fault Automobile Insurance
            1. Domestic, Foreign, Alien                                                                  Ref: Chap. 24
               Ref: 211, 302, 643, 701, 702; 26 DCMR 1001                                                1. Required Limits BI/PD
            2. Stock & Mutual Companies                                                                       Ref: 26 DCMR 500.6, 2406
               Ref: 211, 616, 617, 619                                                                   2. Uninsured/Underinsured Motorists
            3. Certificate of Authority                                                                      Ref: 26 DCMR 612
               Ref: 4304, 4403                                                                           3. Personal Injury Protection (PIP)
       C. Licensing Requirements                                                                             Ref: 26 DCMR 611, 500.6; 2404
           1. Producer                                                                                   4. Automobile Insurance Plan (AIP)
               Ref: 1131.01-.19                                                                              Ref: 26 DCMR 600.1
           2.   License denial, nonrenewal, suspension or
                revocation                                                                            *For Life and Accident and Health only
               Ref: 1131.12


District of Columbia Insurance Supplement - Examination Content Outlines                                                                           Effective: August 1, 2008
                                                                                         page 7

				
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