SD Personal Lines Producer — Information & Free Practice
US-SD · Examination information
141 free questions · Answer explanations · No signup required
SD Personal Lines Producer
- Provider
- Pearson VUE
- Format
- Computer-based test-center examination or OnVUE online examination
- Exam questions
- Exam table lists 101 questions; published outline lists 75 scored plus 5 pretest general questions and 25 scoreable state questions.
- Time limit
- 120 minutes
- Passing score
- 70 on the reported 0–100 scale; not a percentage of correct answers
- Exam fee
- $85
Examination outline
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
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
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
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
I. SD STATUTES, RULES, AND REGULATIONS COMMON TO LIFE, ACCIDENT AND HEALTH, PROPERTY, AND CASUALTY INSURANCE
- A. Director of Insurance
- A. Director of Insurance / 1. Duties and powers
- A. Director of Insurance / 2. Examination of records
- A. Director of Insurance / 3. Hearings/notice of hearings
- A. Director of Insurance / 4. Penalties (and fines)
- A. Director of Insurance / 5. Cease and desist orders
- B. Insurance Definitions
- B. Insurance Definitions / 1. Acts constituting an insurance transaction
- B. Insurance Definitions / 2. Domestic, foreign and alien company
- B. Insurance Definitions / 3. Fraternals
- B. Insurance Definitions / 4. Authorized and unauthorized companies insurer
- B. Insurance Definitions / 5. Stock and mutual companies
- B. Insurance Definitions / 6. Certificate of authority
- C. Licensing
- C. Licensing / 1. Types of licenses
- C. Licensing / 1. Types of licenses / a. Producer
- C. Licensing / 1. Types of licenses / b. Resident/Nonresident
- C. Licensing / 1. Types of licenses / c. Temporary license
- C. Licensing / 1. Types of licenses / d. Business entity
- C. Licensing / 2. Qualifications for obtaining a license
- C. Licensing / 2. Qualifications for obtaining a license / a. Exemptions/Exceptions
- C. Licensing / 2. Qualifications for obtaining a license / b. License denial
- C. Licensing / 3. Maintaining a license
- C. Licensing / 3. Maintaining a license / a. Continuing education
- C. Licensing / 3. Maintaining a license / b. Change of address
- C. Licensing / 3. Maintaining a license / c. Renewal/Nonrenewal
- C. Licensing / 3. Maintaining a license / d. Record maintenance
- C. Licensing / 3. Maintaining a license / e. License suspension/ revocation/ refusal to issue or renew
- C. Licensing / 3. Maintaining a license / f. Reporting actions
- C. Licensing / 3. Maintaining a license / g. Assumed business name
- C. Licensing / 3. Maintaining a license / h. Inactivity due to military service
- C. Licensing / 3. Maintaining a license / i. Inactivity due to extenuating circumstances
- C. Licensing / 3. Maintaining a license / j. Reinstatement, continuation, termination
- C. Licensing / 4. Producer appointment
- C. Licensing / 4. Producer appointment / a. Termination of contract
- D. Producer responsibilities
- D. Producer responsibilities / 1. Fiduciary responsibilities
- D. Producer responsibilities / 2. Commissions, compensation, fees
- D. Producer responsibilities / 3. Reporting of felonies and crimes of moral turpitude
- D. Producer responsibilities / 4. Influence of witnesses
- D. Producer responsibilities / 5. Response to Division inquiries
- E. Insurance Guaranty Association
- E. Insurance Guaranty Association / 1. Purpose and disclaimer
- F. Marketing practices
- F. Marketing practices / 1. Unfair practices
- F. Marketing practices / 1. Unfair practices / a. Boycott, coercion, intimidation
- F. Marketing practices / 1. Unfair practices / b. Commingling
- F. Marketing practices / 1. Unfair practices / c. Controlled business
- F. Marketing practices / 1. Unfair practices / d. Defamation
- F. Marketing practices / 1. Unfair practices / e. False advertising
- F. Marketing practices / 1. Unfair practices / f. Illegal inducement
- F. Marketing practices / 1. Unfair practices / g. Misrepresentation
- F. Marketing practices / 1. Unfair practices / h. Rebating
- F. Marketing practices / 1. Unfair practices / i. Twisting
- F. Marketing practices / 1. Unfair practices / j. Unfair discrimination
- F. Marketing practices / 1. Unfair practices / k. Acting without a license
- F. Marketing practices / 1. Unfair practices / l. Larceny
- F. Marketing practices / 1. Unfair practices / m. Prohibited fees/ premiums/ extra charges
- F. Marketing practices / 1. Unfair practices / n. Loans
- F. Marketing practices / 1. Unfair practices / o. Notification of suspected fraud
- F. Marketing practices / 2. Unfair claims settlement practices
- G. Policy delivery and receipt
- H. Insurance Fraud Regulation
II. SD STATUTES PERTINENT TO PERSONAL LINES INSURANCE
- A. Binders
- A. Binders / 1. Evidence of insurance
- B. Suit against insurer
- C. Rating
- D. Certificate of Insurance
- E. South Dakota Valued Policy Law
- F. Flood Insurance
- F. Flood Insurance / 1. Flood Insurance Rate Map (FIRM)
- G. Marine and Transportation Insurance
- H. Cancellation and Nonrenewal
- I. Surplus lines
- J. South Dakota Automobile Insurance Plan (Assigned Risk)
- K. Private-passenger automobile insurance
- K. Private-passenger automobile insurance / 1. Uninsured/Underinsured motorists coverage
- K. Private-passenger automobile insurance / 2. Proof of financial responsibility
- K. Private-passenger automobile insurance / 3. Cancellation and nonrenewal
Examination sources
- South Dakota Insurance Licensing Candidate Handbook, August 2026
p. S16, Personal Lines general section I
- South Dakota Insurance Licensing Candidate Handbook, August 2026
p. S16, Personal Lines general section II
- South Dakota Insurance Licensing Candidate Handbook, August 2026
p. S16, Personal Lines general section III
- South Dakota Insurance Licensing Candidate Handbook, August 2026
p. S17, Personal Lines general section IV
- South Dakota Insurance Licensing Candidate Handbook, August 2026
p. S17, Personal Lines state section I
- South Dakota Insurance Licensing Candidate Handbook, August 2026
p. S18, Personal Lines state section II
- South Dakota Insurance Licensing Candidate Handbook, August 2026
p. S16, published outline effective date
- South Dakota Codified Laws, Chapter 58-30
SDCL 58-30-145
- South Dakota Insurance Licensing Candidate Handbook, August 2026
p. 13, Score Explanation
- South Dakota Insurance Licensing Candidate Handbook, August 2026
p. S16, Personal Lines general scored and pretest question counts
- South Dakota Insurance Licensing Candidate Handbook, August 2026
p. S17, Personal Lines state scoreable question count
- South Dakota Insurance Licensing Candidate Handbook, August 2026
p. 6, Available Exams, Test Center Exams, Personal Lines row
- South Dakota Insurance Licensing Candidate Handbook, August 2026
p. 3, Licensure Process
- South Dakota Insurance Licensing Candidate Handbook, August 2026
p. 7, Online Exams, Personal Lines row
Related license preparation
This examination may be required or accepted as an alternative, depending on the license and application pathway.