DE Personal Lines Producer — Information & Free Practice
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DE Personal Lines Producer
Examination outline
General knowledge — I. TYPES OF PROPERTY POLICIES
- A. Homeowners
- A. Homeowners / 1. HO-2
- A. Homeowners / 2. HO-3
- A. Homeowners / 3. HO-4
- A. Homeowners / 4. HO-5
- A. Homeowners / 5. HO-6
- A. Homeowners / 6. HO-8
- B. Dwelling policies
- B. Dwelling policies / 1. DP-1
- B. Dwelling policies / 2. DP-2
- B. Dwelling policies / 3. DP-3
- C. Inland marine
- C. Inland marine / 1. Personal Articles floaters
- D. National Flood Insurance Program
- E. Others
- E. Others / 1. Earthquake
- E. Others / 2. Mobile Homes
- E. Others / 3. Watercraft
- E. Others / 4. Windstorm
General knowledge — II. TYPES OF CASUALTY POLICIES
- A. Automobile: personal auto
- A. Automobile: personal auto / 1. Liability
- A. Automobile: personal auto / 1. Liability / a. Bodily Injury
- A. Automobile: personal auto / 1. Liability / b. Property Damage
- A. Automobile: personal auto / 1. Liability / c. Split Limits
- A. Automobile: personal auto / 1. Liability / d. Combined Single Limit
- A. Automobile: personal auto / 2. Medical Payments
- A. Automobile: personal auto / 3. Physical Damage (collision; other than collision; specified perils)
- A. Automobile: personal auto / 4. Uninsured motorists
- A. Automobile: personal auto / 5. Underinsured motorists
- A. Automobile: personal auto / 6. Who is an insured
- A. Automobile: personal auto / 7. Types of Auto
- A. Automobile: personal auto / 7. Types of Auto / a. Owned
- A. Automobile: personal auto / 7. Types of Auto / b. Non-owned
- A. Automobile: personal auto / 7. Types of Auto / c. Hired
- A. Automobile: personal auto / 7. Types of Auto / d. Temporary Substitute
- A. Automobile: personal auto / 7. Types of Auto / e. Newly Acquired Autos
- A. Automobile: personal auto / 7. Types of Auto / f. Transportation Expense and Rental Reimbursement Expense
- A. Automobile: personal auto / 8. Exclusions
- B. Umbrella/Excess liability
General knowledge — III. PROPERTY AND CASUALTY INSURANCE TERMS AND RELATED CONCEPTS
- A. Insurance
- A. Insurance / 1. Law of Large Numbers
- B. Insurable interest
- C. Risk
- C. Risk / 1. Pure vs. Speculative Risk
- D. Hazard
- D. Hazard / 1. Moral
- D. Hazard / 2. Morale
- D. Hazard / 3. Physical
- E. Peril
- F. Loss
- F. Loss / 1. Direct
- F. Loss / 2. Indirect
- G. Loss Valuation
- G. Loss Valuation / 1. Actual cash value
- G. Loss Valuation / 2. Replacement cost
- G. Loss Valuation / 3. Market value
- G. Loss Valuation / 4. Stated value
- G. Loss Valuation / 5. Salvage value
- H. Proximate cause
- I. Deductible
- J. Indemnity
- K. Limits of liability
- L. Coinsurance/Insurance to value
- M. Occurrence
- N. Cancellation
- O. Nonrenewal
- P. Vacancy and unoccupancy
- Q. Liability
- Q. Liability / 1. Absolute
- Q. Liability / 2. Strict
- Q. Liability / 3. Vicarious
- R. Negligence
- S. Binder
- T. Endorsements
- U. Blanket vs. Specific
- V. Burglary, Robbery, Theft, and Mysterious Disappearance
- W. Warranties
- X. Representations
- Y. Concealment
- Z. Deposit Premium/Audit
- AA. Certificate of Insurance
- BB. Damages
- BB. Damages / 1. Compensatory
- BB. Damages / 1. Compensatory / a. General
- BB. Damages / 1. Compensatory / b. Special
- BB. Damages / 2. Punitive
- CC. Compliance with Provisions of Fair Credit Reporting Act
General knowledge — IV. PROPERTY AND CASUALTY POLICY PROVISIONS AND CONTRACT LAW
- A. Declarations
- B. Insuring agreement
- C. Conditions
- D. Exclusions
- E. Definition of the insured
- F. Duties of the insured after a loss
- G. Obligations of the insurance company
- H. Mortgagee rights
- I. Proof of loss
- J. Notice of claim
- K. Appraisal
- L. Other Insurance Provision
- M. Subrogation
- N. Elements of a contract
- O. Sources of underwriting information
- P. Fair Credit Reporting Act
- Q. Privacy Protection (Gramm Leach Bliley)
- R. Policy Application
- S. Terrorism Risk Insurance Act (TRIA)
- T. Cancellation and nonrenewal provisions
- U. Supplementary payments
- V. Loss settlement provisions including consent to settle a loss
- W. Territory
State specific — I. DELAWARE STATUTES, REGULATIONS, AND BULLETINS PERTINENT TO LIFE, ACCIDENT AND HEALTH, PROPERTY, CASUALTY AND PERSONAL LINES INSURANCE
- A. License Regulations
- A. License Regulations / 1. Persons required to be licensed and responsibilities
- A. License Regulations / 1. Persons required to be licensed and responsibilities / a. Producer/Agent
- A. License Regulations / 1. Persons required to be licensed and responsibilities / b. Limited Lines producer
- A. License Regulations / 1. Persons required to be licensed and responsibilities / c. Producer/Consultant
- A. License Regulations / 2. License requirements
- A. License Regulations / 2. License requirements / a. Fees and application
- A. License Regulations / 2. License requirements / b. Prerequisites
- A. License Regulations / 2. License requirements / c. Special qualifications
- A. License Regulations / 2. License requirements / d. Written examinations and exemptions
- A. License Regulations / 2. License requirements / e. Exemptions from licensing
- A. License Regulations / 2. License requirements / f. Insurer’s appointment
- A. License Regulations / 3. Authority
- A. License Regulations / 3. Authority / a. Definitions
- A. License Regulations / 3. Authority / b. License requirements
- A. License Regulations / 3. Authority / c. Lines of authority
- A. License Regulations / 3. Authority / d. Termination of appointment
- A. License Regulations / 4. Notice of address change
- A. License Regulations / 5. Continuing education
- B. Marketing Practices
- B. Marketing Practices / 1. Duties of licensed personnel
- B. Marketing Practices / 2. Record keeping
- B. Marketing Practices / 3. Compensation of licensees
- B. Marketing Practices / 4. Termination, suspension, fines
- C. Insurance Commissioner
- C. Insurance Commissioner / 1. Election and term
- C. Insurance Commissioner / 2. General powers and duties
- C. Insurance Commissioner / 3. Examination of insurers and producers
- C. Insurance Commissioner / 4. Hearings
- C. Insurance Commissioner / 5. Cease and desist orders and penalties
- C. Insurance Commissioner / 6. General penalties
State specific — II. DELAWARE STATUTES, RULES, REGULATIONS, AND BULLETINS PERTINENT TO PROPERTY INSURANCE ONLY
- A. Delaware FAIR Plan
- A. Delaware FAIR Plan / 1. Purpose and definitions
- A. Delaware FAIR Plan / 2. Eligibility
- A. Delaware FAIR Plan / 3. Coverage available
- A. Delaware FAIR Plan / 4. Limits of coverage
- A. Delaware FAIR Plan / 5. Effective date of coverage
- A. Delaware FAIR Plan / 6. Binding authority of producers
- B. Declinations, renewal, and cancellation of Property insurance contracts
- B. Declinations, renewal, and cancellation of Property insurance contracts / 1. Definitions
- B. Declinations, renewal, and cancellation of Property insurance contracts / 2. Notification and reasons for declination, non-renewal, and termination
- B. Declinations, renewal, and cancellation of Property insurance contracts / 3. Permissible cancellations
- B. Declinations, renewal, and cancellation of Property insurance contracts / 4. Prohibited practices
- B. Declinations, renewal, and cancellation of Property insurance contracts / 5. Enforcement
- B. Declinations, renewal, and cancellation of Property insurance contracts / 6. Disclosures
- C. National Flood Insurance Program
- C. National Flood Insurance Program / 1. Definitions
- C. National Flood Insurance Program / 2. Policies and Products Available
- C. National Flood Insurance Program / 3. Who needs flood insurance
- C. National Flood Insurance Program / 4. Flood Maps and Zone Determinations
- C. National Flood Insurance Program / 5. General Rules
- C. National Flood Insurance Program / 6. Claims Handling Process
- C. National Flood Insurance Program / 7. Write Your Own Company
State specific — III. DELAWARE STATUTES, RULES, REGULATIONS, AND BULLETINS PERTINENT TO CASUALTY INSURANCE ONLY
- A. Delaware Motorist Protection Act
- A. Delaware Motorist Protection Act / 1. Required coverage and limits
- A. Delaware Motorist Protection Act / 2. Arbitration
- A. Delaware Motorist Protection Act / 3. Insurance ID card
- A. Delaware Motorist Protection Act / 4. Fines
- A. Delaware Motorist Protection Act / 5. Form A
- B. Uninsured and Underinsured Motorists Coverage
- B. Uninsured and Underinsured Motorists Coverage / 1. Required coverage
- B. Uninsured and Underinsured Motorists Coverage / 2. Option for additional coverage
- C. Cancellation and nonrenewal of auto insurance
- C. Cancellation and nonrenewal of auto insurance / 1. Reasons for
- C. Cancellation and nonrenewal of auto insurance / 2. Notice
- C. Cancellation and nonrenewal of auto insurance / 3. Hearing
- C. Cancellation and nonrenewal of auto insurance / 4. Exclusion of designated person
- C. Cancellation and nonrenewal of auto insurance / 5. Request for driving records
- D. Delaware Automobile Insurance Plan
- D. Delaware Automobile Insurance Plan / 1. Producer and insurer responsibilities
- D. Delaware Automobile Insurance Plan / 2. Eligibility
- D. Delaware Automobile Insurance Plan / 3. Coverage and options
- D. Delaware Automobile Insurance Plan / 4. Designation of carrier
- D. Delaware Automobile Insurance Plan / 5. Binding authority
- D. Delaware Automobile Insurance Plan / 6. Collection of placement fee
- E. Defensive driving course credit
- F. Private passenger automobile insurance rating information
State specific — IV. INSURANCE ETHICS
- A. Definitions
- A. Definitions / 1. Market Conduct
- A. Definitions / 2. Authority
- A. Definitions / 2. Authority / a. Express
- A. Definitions / 2. Authority / b. Implied
- A. Definitions / 2. Authority / c. Apparent
- A. Definitions / 3. Agency versus individual licensee
- A. Definitions / 4. Suitability
- A. Definitions / 5. Ethical behavior and good moral standards
- B. Market Conduct examination
- C. Binding coverage
- D. Disclosure letters and forms
- E. Errors and Omissions insurance
- F. Unfair practices
- F. Unfair practices / 1. Twisting
- F. Unfair practices / 2. Churning
- F. Unfair practices / 3. Commingling
- F. Unfair practices / 4. Misrepresentation
- F. Unfair practices / 5. Defamation
- F. Unfair practices / 6. Coercion and intimidation
- F. Unfair practices / 7. Unfair discrimination
- F. Unfair practices / 8. Rebating
- F. Unfair practices / 9. Unfair claims settlement practices
- F. Unfair practices / 10. Coercion of debtors
- F. Unfair practices / 11. Publicized Founded Complaints
- G. Insurance fraud and Fraud Prevention Bureau
- H. Advertisement procedures
- I. Privacy
- J. Conflict of issues and producer’s responsibilities
Examination sources
- Delaware Insurance Content Outlines
Cover: content-outline effective date
- Delaware Insurance Content Outlines
S11, Personal Lines — General Knowledge heading
- Delaware Insurance Content Outlines
S12, Personal Lines — State Specific heading
- Delaware Insurance Licensing Candidate Handbook
Available Examinations, Major Lines table, InsDE_Pers55 row
- Delaware Insurance Licensing Candidate Handbook
Score Explanation, page 10
- Delaware Insurance Licensing Candidate Handbook
Exam Procedures, page 10
- Delaware Insurance Licensing Candidate Handbook
Score Reporting, page 10
- Delaware Insurance Licensing Candidate Handbook
Licensure Process, page 2
Related license preparation
This examination may be required or accepted as an alternative, depending on the license and application pathway.