Rhode Island Accident and Health Producer — Information & Free Practice

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Rhode Island Accident and Health Producer

Provider: Pearson VUE
Format: Computer-based examination, scored as a whole; English or Spanish
Exam questions: General knowledge: 50 scoreable and 5 pretest questions; Rhode Island specific content: 30 scoreable and 5 pretest questions
Passing score: 70 on the 0–100 scaled-score scale

Examination outline

Accident & Health – 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
Accident & Health – 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
Accident & Health – General Knowledge / III. SOCIAL INSURANCE
- A. Medicare (Parts A, B, C, D)
- B. Medicaid
- C. Social Security benefits
Accident & Health – 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
- K. Subrogation
Accident & Health – 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
Accident & Health – Rhode Island Specific / I. RHODE ISLAND LAWS, RULES, AND REGULATIONS COMMON TO LIFE, ACCIDENT, AND HEALTH INSURANCE
- A. Commissioner/Director
- A. Commissioner/Director / 1. Broad powers
- A. Commissioner/Director / 2. Examination of records/record retention
- A. Commissioner/Director / 3. Notice and hearing
- A. Commissioner/Director / 4. Penalties
- B. Definitions
- B. Definitions / 1. Domestic, foreign, and alien companies
- B. Definitions / 2. Stock and mutual companies
- B. Definitions / 3. Fraternal benefit societies
- C. Licensing
- C. Licensing / 1. Continuing Education
- C. Licensing / 2. Licensing requirements for a producer
- C. Licensing / 3. Termination of license
- C. Licensing / 4. Revocation, suspension or denial
- C. Licensing / 5. Temporary license and license prohibited
- C. Licensing / 6. Producer Compensation Disclosure
- D. Marketing practices
- D. Marketing practices / 1. Unfair methods and practices
- D. Marketing practices / 1. Unfair methods and practices / b. Rebating
- D. Marketing practices / 1. Unfair methods and practices / c. Misrepresentation
- D. Marketing practices / 1. Unfair methods and practices / d. Defamation
- D. Marketing practices / 1. Unfair methods and practices / e. Theft
- D. Marketing practices / 1. Unfair methods and practices / f. Penalties
- E. Fiduciary responsibilities
- F. Life and Health Guaranty Association
- G. Privacy of Consumer Information
Accident & Health – Rhode Island Specific / II. RHODE ISLAND LAWS, RULES, AND REGULATIONS PERTINENT TO ACCIDENT AND HEALTH INSURANCE ONLY
- A. Mandated benefits
- A. Mandated benefits / 1. Extended medical benefits
- A. Mandated benefits / 2. Substance abuse and serious mental illness
- A. Mandated benefits / 3. Home health care
- A. Mandated benefits / 4. Newborn children
- A. Mandated benefits / 5. Pediatric preventive care
- A. Mandated benefits / 6. Mammograms and pap smears
- A. Mandated benefits / 7. Newborn Screening
- A. Mandated benefits / 8. Infertility
- A. Mandated benefits / 9. Adoptive children
- A. Mandated benefits / 10. Nurse midwives
- A. Mandated benefits / 11. Diabetes
- A. Mandated benefits / 12. Mastectomy
- A. Mandated benefits / 13. Lyme Disease
- A. Mandated benefits / 14. Affordable Care Act mandated benefits
- B. Coordination of benefits
- C. Health Maintenance Organizations (HMO)
- D. Legal services insurance
- E. Advertising
- F. Stop Loss Insurance
- G. Long term care insurance
- H. Medicare supplement insurance
- I. Small Employer Health Insurance

Examination sources

Rhode Island Insurance Content Outlines
Cover, effective date
Rhode Island Insurance Candidate Handbook
Printed page 9, Content Outlines
Rhode Island Insurance Content Outlines
S3, General Knowledge heading
Rhode Island Insurance Content Outlines
S4, Rhode Island Specific heading
Rhode Island Insurance Candidate Handbook
Printed page 7, Retaking an Exam
Rhode Island Insurance Candidate Handbook
Printed page 6, Score Explanation
Rhode Island Insurance Content Outlines
S3, Accident and Health General Knowledge question counts
Rhode Island Insurance Content Outlines
S4, Accident and Health Rhode Island Specific question counts
Details
Exam code and title
Rhode Island Insurance Candidate Handbook
Printed page 3, Making a Reservation

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