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Producer - Personal Lines

Provider
Pearson Professional Assessments
Format
Computer-based written examination at a Pearson test center
Exam questions
105 scored questions (75 general knowledge and 30 Massachusetts-specific) plus 10 pretest questions. Published scored-question allocations: general knowledge I 10, II 13, III 28, IV 24; Massachusetts-specific I 15, II 2, III 5, IV 8. The publisher gives question counts, not fixed percentages.
Passing score
70 on the DOI/Pearson scaled score
Exam fee
$37
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
  • Massachusetts Specific — I. MASSACHUSETTS LAWS AND RULES PERTINENT TO ALL LINES OF INSURANCE
    • A. Licensing
    • A. Licensing / 1. Process
    • A. Licensing / 2. Types of licenses
    • A. Licensing / 2. Types of licenses / a. Producers
    • A. Licensing / 2. Types of licenses / b. Business entity producers
    • A. Licensing / 2. Types of licenses / c. Nonresident producers
    • A. Licensing / 2. Types of licenses / d. Temporary
    • A. Licensing / 2. Types of licenses / e. Special brokers
    • A. Licensing / 2. Types of licenses / f. Advisers
    • A. Licensing / 2. Types of licenses / g. Public insurance adjusters
    • A. Licensing / 2. Types of licenses / h. Reinsurance intermediaries
    • A. Licensing / 2. Types of licenses / i. Portable Electronics Insurance Limited Lines license
    • A. Licensing / 2. Types of licenses / j. Exemptions
    • A. Licensing / 3. Maintenance and duration
    • A. Licensing / 3. Maintenance and duration / a. Reinstatement and renewal
    • A. Licensing / 3. Maintenance and duration / b. Address change
    • A. Licensing / 3. Maintenance and duration / c. Reporting of actions
    • A. Licensing / 3. Maintenance and duration / d. Assumed names
    • A. Licensing / 3. Maintenance and duration / e. Continuing education requirements, exemptions and penalties
    • A. Licensing / 4. Disciplinary actions
    • A. Licensing / 4. Disciplinary actions / a. Cease and desist order
    • A. Licensing / 4. Disciplinary actions / b. Hearings
    • A. Licensing / 4. Disciplinary actions / c. Probation, suspension, revocation, refusal to issue or renew
    • A. Licensing / 4. Disciplinary actions / d. Penalties and fines
    • B. State Regulation
    • B. State Regulation / 1. Commissioner’s general duties and powers
    • B. State Regulation / 2. Company regulation
    • B. State Regulation / 2. Company regulation / a. Certificate of authority
    • B. State Regulation / 2. Company regulation / b. Solvency
    • B. State Regulation / 2. Company regulation / c. Policy forms
    • B. State Regulation / 2. Company regulation / d. Examination of books and records
    • B. State Regulation / 2. Company regulation / e. Producer appointments
    • B. State Regulation / 2. Company regulation / f. Termination of producer appointment
    • B. State Regulation / 3. Producer regulation
    • B. State Regulation / 3. Producer regulation / a. Impersonation
    • B. State Regulation / 3. Producer regulation / b. Larceny
    • B. State Regulation / 3. Producer regulation / c. Unlicensed persons compensation
    • B. State Regulation / 3. Producer regulation / d. Commissions
    • B. State Regulation / 3. Producer regulation / e. Records Retention
    • B. State Regulation / 3. Producer regulation / f. Insurance transactions
    • B. State Regulation / 4. Unfair or deceptive practices
    • B. State Regulation / 4. Unfair or deceptive practices / a. Misrepresentation
    • B. State Regulation / 4. Unfair or deceptive practices / b. False advertising
    • B. State Regulation / 4. Unfair or deceptive practices / c. Defamation of insurer
    • B. State Regulation / 4. Unfair or deceptive practices / d. Boycott, coercion, intimidation
    • B. State Regulation / 4. Unfair or deceptive practices / e. False financial statements
    • B. State Regulation / 4. Unfair or deceptive practices / f. Failure to maintain a complaint record
    • B. State Regulation / 4. Unfair or deceptive practices / g. Unfair discrimination
    • B. State Regulation / 4. Unfair or deceptive practices / h. Unfair claims settlement practices
    • B. State Regulation / 4. Unfair or deceptive practices / i. Rebating
    • B. State Regulation / 5. Insurance fraud regulation
    • B. State Regulation / 6. Insurance Information and Privacy Protection
    • B. State Regulation / 7. Types of Insurers
    • B. State Regulation / 7. Types of Insurers / a. Foreign, alien, domestic
    • B. State Regulation / 7. Types of Insurers / b. Authorized and unauthorized insurers
    • B. State Regulation / 7. Types of Insurers / c. Stock and mutual insurers
  • Massachusetts Specific — II. MASSACHUSETTS LAWS AND REGULATIONS PERTINENT TO PROPERTY AND CASUALTY INSURANCE
    • A. Massachusetts Insurers Insolvency Fund
    • B. Concealment, misrepresentation, or fraud
    • C. Appraisal
    • D. Rates
  • Massachusetts Specific — III. MASSACHUSETTS LAWS AND REGULATIONS PERTINENT TO PROPERTY INSURANCE ONLY
    • A. Cancellation and nonrenewal
    • B. Massachusetts standard fire policy
    • C. Homeowners Policy
    • C. Homeowners Policy / 1. Lead paint liability abatement
    • C. Homeowners Policy / 2. Massachusetts requirements for flood insurance
    • C. Homeowners Policy / 3. Massachusetts Property Insurance Underwriting Association (MPIUA) known as the Massachusetts (FAIR) Plan
  • Massachusetts Specific — IV. MASSACHUSETTS LAWS AND REGULATIONS PERTINENT TO CASUALTY INSURANCE ONLY
    • A. Massachusetts law specific to auto insurance
    • A. Massachusetts law specific to auto insurance / 1. Massachusetts Compulsory Motor Vehicle Liability Insurance
    • A. Massachusetts law specific to auto insurance / 1. Massachusetts Compulsory Motor Vehicle Liability Insurance / a. Required limits of liability
    • A. Massachusetts law specific to auto insurance / 1. Massachusetts Compulsory Motor Vehicle Liability Insurance / b. Required proof of insurance
    • A. Massachusetts law specific to auto insurance / 2. Massachusetts Automobile Insurance Assigned Risk Plan (MAIP)/CAR
    • A. Massachusetts law specific to auto insurance / 2. Massachusetts Automobile Insurance Assigned Risk Plan (MAIP)/CAR / a. Notice of eligibility in assigned risk plan
    • A. Massachusetts law specific to auto insurance / 3. Personal injury protection
    • A. Massachusetts law specific to auto insurance / 3. Personal injury protection / a. Medical
    • A. Massachusetts law specific to auto insurance / 3. Personal injury protection / b. Loss of income/Lost wages
    • A. Massachusetts law specific to auto insurance / 3. Personal injury protection / c. Death
    • A. Massachusetts law specific to auto insurance / 3. Personal injury protection / d. Funeral
    • A. Massachusetts law specific to auto insurance / 3. Personal injury protection / e. Replacement services
    • A. Massachusetts law specific to auto insurance / 4. Uninsured/underinsured motorist
    • A. Massachusetts law specific to auto insurance / 4. Uninsured/underinsured motorist / a. Bodily injury
    • A. Massachusetts law specific to auto insurance / 4. Uninsured/underinsured motorist / b. Required limits
    • A. Massachusetts law specific to auto insurance / 5. Cancellation/nonrenewal
    • A. Massachusetts law specific to auto insurance / 5. Cancellation/nonrenewal / a. Grounds
    • A. Massachusetts law specific to auto insurance / 5. Cancellation/nonrenewal / b. Notice
    • A. Massachusetts law specific to auto insurance / 6. Aftermarket parts regulation
    • A. Massachusetts law specific to auto insurance / 7. Regulation of rates for motor vehicle insurance
    • A. Massachusetts law specific to auto insurance / 8. Private passenger motor vehicle insurance rates
    • B. Surplus lines
    • B. Surplus lines / 1. Definitions and markets
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