ID Accident & Health or Sickness Producer — Information & Free Practice
US-ID · Examination information
129 free questions · Answer explanations · No signup required
ID Accident & Health or Sickness Producer
- Provider
- Pearson VUE
- Format
- Computer-based examination at a test center or online through OnVUE; general and state sections receive separate pass/fail results
- Exam questions
- 75 scored questions: 50 general knowledge and 25 Idaho specific; 5 general and 6 state pretest questions
- Time limit
- 120 minutes
- Exam fee
- $65; handbook lists the price for State, General, or Combo
Examination outline
General Knowledge — I. Types of Policies
- A. Disability income
- A. Disability income / 1. Individual disability income policy
- A. Disability income / 2. Business overhead expense policy
- A. Disability income / 3. Business disability buyout policy
- A. Disability income / 4. Group disability income policy
- A. Disability income / 5. Key employee policy
- B. Accidental death and dismemberment
- C. Medical expense insurance
- C. Medical expense insurance / 1. Basic hospital, medical, and surgical policies
- C. Medical expense insurance / 2. Major medical policies
- C. Medical expense insurance / 3. Health Maintenance Organizations (HMOs)
- C. Medical expense insurance / 4. Preferred Provider Organizations (PPOs)
- C. Medical expense insurance / 5. Point of Service (POS) plans
- C. Medical expense insurance / 6. Flexible Spending Accounts (FSAs)
- C. Medical expense insurance / 7. High Deductible Health Plans (HDHPs) and related Health Savings Accounts (HSAs)
- C. Medical expense insurance / 8. Health Reimbursement Accounts (HRAs)
- D. Medicare supplement policies
- E. Group insurance
- E. Group insurance / 1. Differences between individual and group contracts
- E. Group insurance / 2. General characteristics
- E. Group insurance / 3. COBRA
- F. Individual/Group Long Term Care (LTC)
- F. Individual/Group Long Term Care (LTC) / 1. Eligibility
- F. Individual/Group Long Term Care (LTC) / 2. Levels of care
- G. Other policies
- G. Other policies / 1. Dental
- G. Other policies / 2. Vision
- G. Other policies / 3. Cancer
- G. Other policies / 4. Critical illness or specified disease
- G. Other policies / 5. Worksite (employer-sponsored)
- G. Other policies / 6. Hospital indemnity
- G. Other policies / 7. Short-term medical
- G. Other policies / 8. Accident
General Knowledge — II. Policy Provisions, Clauses, and Riders
- A. Mandatory and optional provisions
- A. Mandatory and optional provisions / 1. Entire contract
- A. Mandatory and optional provisions / 2. Time limit on certain defenses (incontestable)
- A. Mandatory and optional provisions / 3. Grace period
- A. Mandatory and optional provisions / 4. Reinstatement
- A. Mandatory and optional provisions / 5. Notice of claim
- A. Mandatory and optional provisions / 6. Claim forms
- A. Mandatory and optional provisions / 7. Proof of loss
- A. Mandatory and optional provisions / 8. Time of payment of claims
- A. Mandatory and optional provisions / 9. Payment of claims
- A. Mandatory and optional provisions / 10. Physical examination and autopsy
- A. Mandatory and optional provisions / 11. Legal actions
- A. Mandatory and optional provisions / 12. Change of beneficiary
- A. Mandatory and optional provisions / 13. Misstatement of age or gender
- A. Mandatory and optional provisions / 14. Change of occupation
- A. Mandatory and optional provisions / 15. Illegal occupation
- A. Mandatory and optional provisions / 16. Relation of earnings to insurance
- B. Other provisions and clauses
- B. Other provisions and clauses / 1. Insuring clause
- B. Other provisions and clauses / 2. Free look
- B. Other provisions and clauses / 3. Consideration clause
- B. Other provisions and clauses / 4. Probationary period
- B. Other provisions and clauses / 5. Elimination period
- B. Other provisions and clauses / 6. Waiver of premium
- B. Other provisions and clauses / 7. Exclusions and limitations
- B. Other provisions and clauses / 8. Preexisting conditions
- B. Other provisions and clauses / 9. Coinsurance
- B. Other provisions and clauses / 10. Deductibles
- B. Other provisions and clauses / 11. Eligible expenses
- B. Other provisions and clauses / 12. Copayments
- B. Other provisions and clauses / 13. Pre-authorizations and prior approval requirements
- B. Other provisions and clauses / 14. Usual, reasonable, and customary (URC) charges
- B. Other provisions and clauses / 15. Lifetime, annual, or per cause maximum benefit limits
- C. Riders
- C. Riders / 1. Impairment/exclusions
- C. Riders / 2. Guaranteed insurability
- C. Riders / 3. Future increase option
- D. Rights of renewability
- D. Rights of renewability / 1. Noncancelable
- D. Rights of renewability / 2. Cancelable
- D. Rights of renewability / 3. Guaranteed renewable
General Knowledge — III. Social Insurance
- A. Medicare (Parts A, B, C, D)
- B. Medicaid
- C. Social Security benefits
General Knowledge — IV. Other Insurance Concepts
- A. Total, partial, recurrent and residual disability
- B. Owner’s rights
- C. Dependent children benefits
- D. Primary and contingent beneficiaries
- E. Modes of premium payments
- F. Nonduplication and coordination of benefits (e.g., primary vs. excess)
- G. Occupational vs. non-occupational
- H. Tax treatment of premiums and proceeds of insurance contracts (e.g., disability income and medical expenses, etc.)
- I. Managed care
- J. Workers Compensation
- J. Workers Compensation / 1. Impact on health insurance benefits
- K. Subrogation
- L. Cost containment
General Knowledge — V. Field Underwriting Procedures
- A. Completing the application
- B. Explaining sources of insurability and HIPAA privacy information (e.g., MIB Report, Fair Credit Reporting Act, etc.)
- C. Initial premium payment and receipt and consequences of the receipt (e.g., medical examination, etc.)
- D. Submitting application (and initial premium if collected) to company for underwriting
- E. Policy delivery
- F. Explaining policy and its provisions, riders, exclusions, and ratings to clients
- G. Replacement
- H. Contract law
- H. Contract law / 1. Elements of a contract
- H. Contract law / 2. Insurable interest
- H. Contract law / 3. Warranties and representations
- H. Contract law / 4. Unique aspects of the insurance contract
- H. Contract law / 4. Unique aspects of the insurance contract / a. Conditional
- H. Contract law / 4. Unique aspects of the insurance contract / b. Unilateral
- H. Contract law / 4. Unique aspects of the insurance contract / c. Adhesion
- H. Contract law / 4. Unique aspects of the insurance contract / d. Aleatory
Idaho Specific Health — I. Idaho Statutes, Rules, and Regulations Common to Life, Health/Disability, Property, Casualty, and Personal Lines Insurance
- A. Responsibilities of the Director of the Department of Insurance
- A. Responsibilities of the Director of the Department of Insurance / 1. Appointment
- A. Responsibilities of the Director of the Department of Insurance / 2. General duties and powers
- A. Responsibilities of the Director of the Department of Insurance / 3. Examinations
- A. Responsibilities of the Director of the Department of Insurance / 4. Hearings/notice of hearings/orders
- A. Responsibilities of the Director of the Department of Insurance / 5. Penalties
- B. Definitions
- B. Definitions / 1. Domestic company
- B. Definitions / 2. Foreign company
- B. Definitions / 3. Alien company
- B. Definitions / 4. Authorized and unauthorized companies/admitted and nonadmitted companies
- B. Definitions / 5. Stock and mutual companies and reciprocals
- B. Definitions / 6. Certificate of authority
- B. Definitions / 7. Transacting insurance
- B. Definitions / 8. Negotiate
- C. Licensing
- C. Licensing / 1. Persons required to be licensed
- C. Licensing / 1. Persons required to be licensed / a. Producer
- C. Licensing / 1. Persons required to be licensed / b. Resident/nonresident
- C. Licensing / 2. Producer appointment/termination of appointment
- C. Licensing / 3. Obtaining a license
- C. Licensing / 3. Obtaining a license / a. Qualifications
- C. Licensing / 3. Obtaining a license / b. License application
- C. Licensing / 3. Obtaining a license / c. Written examinations
- C. Licensing / 3. Obtaining a license / d. Exemptions/exceptions
- C. Licensing / 3. Obtaining a license / e. License denial/refusal
- C. Licensing / 4. Maintaining a license
- C. Licensing / 4. Maintaining a license / a. Continuing education
- C. Licensing / 4. Maintaining a license / b. Change of address/place of business
- C. Licensing / 4. Maintaining a license / c. Fees/renewal
- C. Licensing / 4. Maintaining a license / d. Record keeping
- C. Licensing / 4. Maintaining a license / e. License expiration
- C. Licensing / 4. Maintaining a license / f. Suspension or revocation of licenses/felony convictions
- D. Producer responsibilities
- D. Producer responsibilities / 1. Fiduciary capacity
- D. Producer responsibilities / 2. Commissions and compensation
- D. Producer responsibilities / 3. Charging of fees and disclosure requirements
- D. Producer responsibilities / 4. Reporting of actions
- E. Insurance contracts
- E. Insurance contracts / 1. Filing and approval of policy forms
- E. Insurance contracts / 2. Payment of claims
- E. Insurance contracts / 3. Power to contract
- F. Marketing practices
- F. Marketing practices / 1. Unfair claims practices
- F. Marketing practices / 2. Unfair methods of competition
- F. Marketing practices / 2. Unfair methods of competition / a. Rebating
- F. Marketing practices / 2. Unfair methods of competition / b. Misrepresentation
- F. Marketing practices / 2. Unfair methods of competition / c. False advertising
- F. Marketing practices / 2. Unfair methods of competition / d. Defamation
- F. Marketing practices / 2. Unfair methods of competition / e. False financial statements
- F. Marketing practices / 2. Unfair methods of competition / f. Boycott, coercion, intimidation
- F. Marketing practices / 2. Unfair methods of competition / g. Unfair discrimination
- F. Marketing practices / 2. Unfair methods of competition / h. Coercion of borrower
- F. Marketing practices / 2. Unfair methods of competition / i. Fraud
- F. Marketing practices / 3. Penalties
Idaho Specific Health — II. Idaho Statutes, Rules, and Regulations Common to Life and Health/Disability Insurance Only
- A. Credit life and disability insurance
- B. Life and Health Insurance Guaranty Association Act
- C. Assignment
Idaho Specific Health — III. Idaho Statutes, Rules, and Regulations Pertinent to Health/Disability Insurance Only
- A. Policy clauses and provisions
- A. Policy clauses and provisions / 1. Minimum standards
- A. Policy clauses and provisions / 1. Minimum standards / a. Purpose
- A. Policy clauses and provisions / 1. Minimum standards / b. Definition
- A. Policy clauses and provisions / 2. Required and optional coverages
- A. Policy clauses and provisions / 2. Required and optional coverages / a. Newborns and adopted children
- A. Policy clauses and provisions / 2. Required and optional coverages / b. Maternity benefits
- A. Policy clauses and provisions / 2. Required and optional coverages / c. Handicapped dependents
- A. Policy clauses and provisions / 2. Required and optional coverages / d. Reconstructive surgery/prosthetic devices
- A. Policy clauses and provisions / 2. Required and optional coverages / e. Free look
- A. Policy clauses and provisions / 2. Required and optional coverages / f. Right of insurer to contest (time limit on certain defenses)
- A. Policy clauses and provisions / 2. Required and optional coverages / g. Grace period
- A. Policy clauses and provisions / 2. Required and optional coverages / h. Pre-existing conditions
- A. Policy clauses and provisions / 2. Required and optional coverages / i. Skilled nursing facility
- A. Policy clauses and provisions / 2. Required and optional coverages / j. Mammograms
- A. Policy clauses and provisions / 3. Benefit standards
- B. Accidental death and dismemberment
- C. Disclosure
- C. Disclosure / 1. Outline of coverage
- C. Disclosure / 2. Renewal agreements/nonrenewal and cancellation
- D. Medicare supplement insurance
- E. Long term care
- E. Long term care / 1. Definitions
- E. Long term care / 2. Disclosure Statements
- E. Long term care / 3. Activities of Daily Living
- E. Long term care / 4. Producer Training Requirement
- E. Long term care / 5. Suitability
- F. Small employer health insurance availability act
- F. Small employer health insurance availability act / 1. Special provisions
- F. Small employer health insurance availability act / 2. Disclosure requirements
- F. Small employer health insurance availability act / 3. Termination/nonrenewal
- F. Small employer health insurance availability act / 4. Fair marketing standards
- F. Small employer health insurance availability act / 5. Definitions
- F. Small employer health insurance availability act / 5. Definitions / a. Small employer
- F. Small employer health insurance availability act / 5. Definitions / b. Eligible employee
- G. Individual health insurance availability act
- H. Disability income protection
- I. Idaho Health Carrier External Review Act
Examination sources
- id-candidate-handbook.pdf
Content Outlines title page: effective date
- id-candidate-handbook.pdf
Accident & Health outline, S3: first general section
- id-candidate-handbook.pdf
Idaho health outline, S4: general and state content distinction
- id-candidate-handbook.pdf
Idaho health outline, S5: common life and health section
- id-candidate-handbook.pdf
Idaho health outline, S5: health-specific section
- id-candidate-handbook.pdf
Idaho health outline, S6: final health topic
- id-candidate-handbook.pdf
Accident & Health General Knowledge Content Outline, S3: scored questions
- id-candidate-handbook.pdf
Idaho Specific Health Content Outline, S4: scored questions
- id-candidate-handbook.pdf
Exam Procedures, page 8: computer delivery
- id-candidate-handbook.pdf
Available Exams, page 7: Accident & Health series
- id-candidate-handbook.pdf
Score Reporting, page 9, right column: examination division
- id-candidate-handbook.pdf
Score Reporting, page 9, right column: named examination sections
- id-candidate-handbook.pdf
Score Reporting, page 9, right column: section passing
- id-candidate-handbook.pdf
Score Reporting, page 9, right column: section retaking
- id-resident-application.html
Step 8: line-of-authority examination boundary
Related license preparation
This examination may be required or accepted as an alternative, depending on the license and application pathway.