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Idaho Life Insurance — Requirements & Free Practice

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Licenses, application pathways and examination requirements

Each license and applicant pathway has its own requirements and exemptions. Choosing practice questions does not determine your eligibility.

Insurance Producer, Business Entity — Life

Producer agency or firm with Life authority; the entity designates an appropriately licensed individual producer.

Licensing authority: Idaho Department of Insurance · Application information

Business entity late renewal within one year
No examination is required for this applicant pathway.
Designated Producer
Maintain appropriately licensed DRLPs.
Fees
Apply through NIPR and pay the $120 late-renewal fee plus vendor fees.
Home Authority
Nonresident entity must hold active resident authority for the lines requested.
Window
Within one year after expiration.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity issuance
No examination is required for this applicant pathway.
Application
Submit the uniform business-entity application and required fee.
Designated Producer
Designate at least one Idaho-licensed producer to cover the Life authority and responsibility for legal compliance.
Registration
Register with the Idaho Secretary of State.
Residency
nonresident
Service Of Process
Nonresident entities appoint the Idaho Insurance Director for service of process.

Official no-examination sources

Effective from 2026-09-22.

Reactivate an agency inactive for loss of its designated producer
No examination is required for this applicant pathway.
Application
An officer of the agency signs and submits the Board Business Entity Reactivation Due to Loss of DRLP form.
Designated Producer
Identify a new designated responsible producer licensed for the agency's Life authority.
Inactive Reason
Business licence became inactive for loss of the DRLP.

Official no-examination sources

Effective from 2026-09-22.

Business entity new application after more than one year expired
No examination is required for this applicant pathway.
Board Demand
The Board business-entity renewal page also says: After one year a new license will need to be applied for, including fingerprinting and testing. This implementing statement applies to any individual licensing needed to supply the DRLP; Idaho Code 41-1007(2) defines the entity's own issuance conditions.
Expiration
Business licence expired more than one year.
New Application
Meet the statutory business-entity requirements and designate a licensed producer; the entity itself is not an individual examination applicant.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity renewal
No examination is required for this applicant pathway.
Continuing Education
Business entities are exempt from individual CE.
Designated Producer
Maintain the designated Idaho producer for the Life authority.
Home Authority
Nonresident entities maintain the corresponding active resident authority.
Renewal
Apply through NIPR and pay the applicable biennial renewal fee.
Residency
nonresident

Official no-examination sources

Effective from 2026-09-22.

Resident business entity renewal
No examination is required for this applicant pathway.
Continuing Education
Business entities are exempt from individual CE.
Designated Producer
Maintain the designated Idaho producer for the Life authority.
Home Authority
Nonresident entities maintain the corresponding active resident authority.
Renewal
Apply through NIPR and pay the applicable biennial renewal fee.
Residency
resident

Official no-examination sources

Effective from 2026-09-22.

Resident business entity issuance
No examination is required for this applicant pathway.
Application
Submit the uniform business-entity application and required fee.
Designated Producer
Designate at least one Idaho-licensed producer to cover the Life authority and responsibility for legal compliance.
Registration
Register with the Idaho Secretary of State.
Residency
resident
Service Of Process
Nonresident entities appoint the Idaho Insurance Director for service of process.

Official no-examination sources

Effective from 2026-09-22.

Insurance Producer — Life, Inactive Status

Inactive form of the existing individual Life producer licence; insurance business requiring an active licence is prohibited.

Licensing authority: Idaho Department of Insurance · Application information

Continue inactive licence
No examination is required for this applicant pathway.
Continuing Education
Inactive individual producers are exempt from CE.
Fees
Pay applicable continuation fees.
Prohibition
Inactive status does not authorize active insurance business.

Official no-examination sources

Effective from 2026-09-22.

Place an existing Life producer licence on inactive status
No examination is required for this applicant pathway.
Discretion
The Director may grant or deny inactive status.
Existing License
Hold an individual Life producer licence and apply on the Director's forms.
Prohibition
Do not transact insurance or undertake activity requiring an active licence.

Official no-examination sources

Effective from 2026-09-22.

Insurance Producer — Life

Individual producer licence with the Life line of authority; resident and nonresident routes are distinguished by applicant conditions.

Licensing authority: Idaho Department of Insurance · Application information

Reinstatement with overdue CE completed after the ninetieth day
ID Life Producer
Application
Meet all new-licence requirements, including Life retesting, new application and new licensing fees.
Continuing Education
Complete all CE owed for the terminated licensing period.
Window
After the ninetieth day of nonrenewal and before one year from nonrenewal.
Reinstatement within 12 months with no overdue CE
No examination is required for this applicant pathway.
Continuing Education
CE requirements already met; no retesting requirement under Idaho Code 41-1013(7).
Fees
Pay twice the unpaid renewal fee.
Window
Within 12 months from the renewal-fee due date.

Official no-examination sources

Effective from 2026-09-22.

Reinstatement after completing overdue CE within 90 days
No examination is required for this applicant pathway.
Board Quote
90-365 days past the expiration date: $80, and you will be required to re-test for the lines of authority you carry on your license as well as complete your CE requirements.
Day90Implementation
The Board CE FAQ lists retesting beginning at day 90; Idaho Code 41-1013(7) says following the ninetieth day. At that boundary the Board may ask for the Life examination. See its statement in the condition below.
Fees
Pay required renewal fees and the statutory late-CE penalty for the applicable interval.
Window
Complete all overdue CE within 90 days after expiration and seek reinstatement within 12 months.

Official no-examination sources

Effective from 2026-09-22.

Nonresident new application following denial
No examination is required for this applicant pathway.
Application
Meet the statutory nonresident reciprocity application, fee and background requirements.
Home License
Currently licensed and in good standing in the home state for Life authority.
Prior Status
Wait one year after denial or final judicial affirmance.

Official no-examination sources

Effective from 2026-09-22.

  • chapter10.pdf

    Idaho Code 41-1026(4), new application following denial

  • chapter10.pdf

    Idaho Code 41-1009(1), complete nonresident issuance conditions

  • chapter10.pdf

    Idaho Code 41-1012(1), examination exemption for previously licensed applicants

Nonresident new application following expiration
No examination is required for this applicant pathway.
Application
Meet the statutory nonresident reciprocity application, fee and background requirements.
Home License
Currently licensed and in good standing in the home state for Life authority.
Prior Status
Idaho licence expired for one year or more; submit a new application.

Official no-examination sources

Effective from 2026-09-22.

  • renewal-statute.html

    Idaho Code 41-1013(7), late reinstatement retesting

  • chapter10.pdf

    Idaho Code 41-1009(1), complete nonresident issuance conditions

  • chapter10.pdf

    Idaho Code 41-1012(1), examination exemption for previously licensed applicants

Nonresident new application following revocation
No examination is required for this applicant pathway.
Application
Meet the statutory nonresident reciprocity application, fee and background requirements.
Home License
Currently licensed and in good standing in the home state for Life authority.
Prior Status
Wait the one-to-five-year period fixed in the final order; one year if unspecified. The Director may require good cause.

Official no-examination sources

Effective from 2026-09-22.

  • chapter10.pdf

    Idaho Code 41-1026(3), new application following revocation

  • chapter10.pdf

    Idaho Code 41-1009(1), complete nonresident issuance conditions

  • chapter10.pdf

    Idaho Code 41-1012(1), examination exemption for previously licensed applicants

Nonresident licensure by reciprocity
No examination is required for this applicant pathway.
Application
Submit the home-state or uniform application, fee, and fingerprints if the Director requires them.
Home License
Currently licensed and in good standing in the home state for the Life authority requested.
Reciprocity
Home state grants Idaho residents nonresident licences on the same basis.
Service Of Process
Appoint the Idaho Director as agent for service of process under Idaho Code 41-1010.

Official no-examination sources

Effective from 2026-09-22.

Nonresident renewal
No examination is required for this applicant pathway.
Continuing Education
Meet the home-state CE requirements.
Home License
Maintain the equivalent resident Life authority in good standing.
Renewal
Submit renewal application and fee every two years.

Official no-examination sources

Effective from 2026-09-22.

Reactivate an inactive Life producer licence
ID Life Producer
Alternative
Submit proof of 20 CE hours earned in the preceding 12 months, or proof of retesting and meeting the Life examination requirements.
Discretion
The Director may grant or deny reactivation; qualifying CE excuses retesting.
Inactive License
Hold a producer licence on inactive status.
New resident application after denial
ID Life Producer
Application
Meet new resident requirements, including Life examination, subject to any applicable statutory examination exemption.
Waiting Period
Wait at least one year after denial or the final court order affirming it.
New resident application after revocation or refusal to continue
ID Life Producer
Application
Meet the new resident application and Life examination requirements, subject to any statutory transfer exemption.
Good Cause
The Director may require good cause why the prior revocation or refusal should not bar issuance.
Waiting Period
Wait the one-to-five-year period specified by the final administrative or court order; one year if unspecified.
New application after licence expired for one year
ID Life Producer
Exemptions
An independently qualifying applicant may use the transfer exemption in Idaho Code 41-1012.
Expiration
Licence has been expired for one year or more.
Requirements
Reapply and retest as a new applicant; submit fingerprints and all new-application requirements.
Renewal relief for military service or other extenuating circumstances
ID Life Producer
Circumstance
Military service or another extenuating circumstance, such as long-term medical disability, prevents renewal compliance.
Discretion
The Director may waive renewal procedures, examination requirements, fines or sanctions; the applicant must request the waiver.
Examination
The Life examination is relevant when ordinary late-renewal rules require retesting; a granted waiver excuses that examination.
Add Life authority to an existing resident producer licence
ID Life Producer
Existing License
Hold a current resident producer licence in another line.
Line
Pass the Life examination, submit pass slips to the Department, then request the line through NIPR.
Score Window
Apply within 180 days of the successful examination.
Resident initial licensure by examination
ID Life Producer
Age
At least 18 years old.
Annuity Training
Before selling, soliciting or negotiating annuities, complete the required four-hour Annuity Suitability Best Interest training; qualifying equivalent training is accepted for nonresidents.
Application
Submit the uniform producer application, truthful and complete, with the required fees.
Background
Submit fingerprints, CHRI request/release and fingerprint receipt; no grounds for denial, suspension or revocation.
Long Term Care Training
Before selling, soliciting or negotiating long-term-care insurance, complete eight hours of training, followed by four hours every 24 months.
Prelicensing Education
Idaho does not require pre-licensing education.
Residency
Resident individual applying for the Life line of authority.
Score Window
The Department must receive the application within 180 days after passing.
Resident licensure on moving to Idaho
No examination is required for this applicant pathway.
Fingerprints
Complete the Idaho fingerprinting process.
Prior Authority
Request the Life line previously held in the prior state.
Relocation
Apply within 90 days of establishing legal residence in Idaho.

Official no-examination sources

Effective from 2026-09-22.

Resident renewal
No examination is required for this applicant pathway.
Continuing Education
Complete 24 hours of approved CE, including at least three ethics hours; CE must be posted before applying.
Renewal
Submit renewal application and required fee before expiration; producer licences renew every two years.
Training
Maintain any product-specific long-term-care and annuity training applicable to the business conducted.

Official no-examination sources

Effective from 2026-09-22.

Resident licensure within 90 days of cancellation
No examination is required for this applicant pathway.
Good Standing
Prior-state certification or NAIC database shows good standing for the requested authority.
Prior License
Held the same Life line in another state; Idaho receives the application within 90 days of cancellation.
Remaining Requirements
Meet resident application, age, background, fee and fingerprint requirements.

Official no-examination sources

Effective from 2026-09-22.

Resident licensure with a current equivalent licence
No examination is required for this applicant pathway.
Exemption
Idaho Code 41-1012(1)(a) exempts the applicant from prelicensing examination.
Prior License
Currently hold a licence for the same Life line in another state.
Remaining Requirements
Meet resident application, age, background, fee and fingerprint requirements.

Official no-examination sources

Effective from 2026-09-22.

Credit Insurance

Limited lines insurance includes credit life and mortgage life.

Licensing authority: Idaho Department of Insurance · Application information

Reinstate limited Credit authority within 12 months
No examination is required for this applicant pathway.
Continuing Education
No overdue major-line CE triggering retesting; limited Credit alone is CE exempt.
Fees
Pay double the unpaid renewal fee.
Window
Within 12 months from the renewal-fee due date.

Official no-examination sources

Effective from 2026-09-22.

Nonresident limited Credit authority by reciprocity
No examination is required for this applicant pathway.
Application
Submit the nonresident application and fees; home-state reciprocity must apply.
Home Authority
Hold the same limited Credit authority in the home state in good standing.
Scope
Idaho grants the same scope as the home-state limited licence.

Official no-examination sources

Effective from 2026-09-22.

New limited Credit application after more than one year
No examination is required for this applicant pathway.
Application
Submit a new limited Credit application, fees, attestation and resident fingerprints where applicable.
Examination
The limited-line instruction/attestation route replaces any generally worded new-applicant retesting requirement.
Expiration
Limited producer licence expired more than one year.

Official no-examination sources

Effective from 2026-09-22.

Renew limited Credit authority
No examination is required for this applicant pathway.
Continuing Education
A producer carrying only limited Credit authority has no CE requirement; a producer also carrying a major line follows that major line's CE requirements.
Renewal
Submit the biennial renewal application and fee.

Official no-examination sources

Effective from 2026-09-22.

Resident limited Credit authority by instruction and attestation
No examination is required for this applicant pathway.
Age
At least 18 years old.
Application
Apply through NIPR and pay the required fee.
Authority
Credit limited line including credit life and mortgage life.
Background
Submit fingerprints, CHRI request/release and receipt; disclose application background matters.
Instruction
Read the Limited Lines Producer Pre-Licensing Manual and submit the signed attestation instead of examination pass slips.

Official no-examination sources

Effective from 2026-09-22.

Life Settlement Broker

Additional Idaho life settlement authority requiring an existing Idaho producer licence with Life authority.

Licensing authority: Idaho Department of Insurance · Application information

Initial Life Settlement Broker authority
No examination is required for this applicant pathway.
Application
Submit the Board's broker application, checklist and required supporting materials.
Assessment
Department examination of business records under Chapter 2 is regulatory inspection, not an applicant licensing assessment.
Existing License
Hold active Idaho producer authority for Life; obtaining that underlying credential is a separate route.
Fee
Pay the nonrefundable $300 initial fee.
Notification
Notify the Director within ten days after first operating and acknowledge compliance with the Life Settlements Act.

Official no-examination sources

Effective from 2026-09-22.

Reinstate Life Settlement Broker authority within twelve months
No examination is required for this applicant pathway.
Existing License
Maintain active underlying Life producer authority.
Fees
Pay a penalty equal to twice the unpaid renewal fee.
Window
Reinstate within twelve months of the renewal due date.

Official no-examination sources

Effective from 2026-09-22.

Renew Life Settlement Broker authority
No examination is required for this applicant pathway.
Existing License
First renew the underlying Life producer licence.
Renewal
Registration expires with the producer licence; pay the applicable settlement renewal fee.
Short Initial Period
An initial registration within 90 days of producer-licence expiration continues until the following producer renewal.

Official no-examination sources

Effective from 2026-09-22.

Register Life Settlement Broker authority after more than twelve months lapsed
No examination is required for this applicant pathway.
Application
Register again with the Department and pay the applicable registration fee before operating.
Existing License
Hold active underlying Life producer authority.
Window
More than twelve months have elapsed without reinstatement.

Official no-examination sources

Effective from 2026-09-22.

Life Settlement Provider

Additional Idaho life settlement authority requiring an existing Idaho producer licence with Life authority.

Licensing authority: Idaho Department of Insurance · Application information

Initial Life Settlement Provider authority
No examination is required for this applicant pathway.
Application
Submit the Board's provider application, checklist and required supporting materials.
Assessment
Department examination of business records under Chapter 2 is regulatory inspection, not an applicant licensing assessment.
Existing License
Hold active Idaho producer authority for Life; obtaining that underlying credential is a separate route.
Fee
Pay the nonrefundable $500 initial fee.
Notification
Notify the Director within ten days after first operating and acknowledge compliance with the Life Settlements Act.

Official no-examination sources

Effective from 2026-09-22.

Reinstate Life Settlement Provider authority within twelve months
No examination is required for this applicant pathway.
Existing License
Maintain active underlying Life producer authority.
Fees
Pay a penalty equal to twice the unpaid renewal fee.
Window
Reinstate within twelve months of the renewal due date.

Official no-examination sources

Effective from 2026-09-22.

Renew Life Settlement Provider authority
No examination is required for this applicant pathway.
Existing License
First renew the underlying Life producer licence.
Renewal
Registration expires with the producer licence; pay the applicable settlement renewal fee.
Short Initial Period
An initial registration within 90 days of producer-licence expiration continues until the following producer renewal.

Official no-examination sources

Effective from 2026-09-22.

Register Life Settlement Provider authority after more than twelve months lapsed
No examination is required for this applicant pathway.
Application
Register again with the Department and pay the applicable registration fee before operating.
Existing License
Hold active underlying Life producer authority.
Window
More than twelve months have elapsed without reinstatement.

Official no-examination sources

Effective from 2026-09-22.

Temporary Insurance Producer — Life

Temporary insurance producer license for Life authority; section 41-1015 permits issuance without examination for up to 180 days, while section 41-1011 permits temporary issuance pending the FBI report if all other qualifications are met.

Licensing authority: Idaho Department of Insurance · Application information

Temporary issuance pending the FBI fingerprint report
ID Life Producer
Discretion
Issuance is discretionary under Idaho Code 41-1011.
Pending Report
Fingerprint report from the FBI is pending, and all other qualifications have been met.
Waiver
Idaho Code 41-1015(1)(d) also authorizes a temporary licence without examination; that provision may excuse the otherwise required Life examination.
Temporary licence for a member or employee of a producer entity
No examination is required for this applicant pathway.
Business Sale
Temporary authority cannot continue after the owner or representative disposes of the business.
Discretion
The Director may limit authority, require a licensed producer or insurer sponsor, or revoke to protect insureds.
Duration
No more than 180 days.
Eligibility
Member or employee of a licensed producer entity following death or disability of its designated individual.

Official no-examination sources

Effective from 2026-09-22.

Temporary licence for a military service designee
No examination is required for this applicant pathway.
Business Sale
Temporary authority cannot continue after the owner or representative disposes of the business.
Discretion
The Director may limit authority, require a licensed producer or insurer sponsor, or revoke to protect insureds.
Duration
No more than 180 days.
Eligibility
Designee of a licensed producer entering active military service.

Official no-examination sources

Effective from 2026-09-22.

Temporary licence in another public interest circumstance
No examination is required for this applicant pathway.
Business Sale
Temporary authority cannot continue after the owner or representative disposes of the business.
Discretion
The Director may limit authority, require a licensed producer or insurer sponsor, or revoke to protect insureds.
Duration
No more than 180 days.
Eligibility
The Director determines that another circumstance warrants temporary licensing in the public interest.

Official no-examination sources

Effective from 2026-09-22.

Temporary licence for surviving spouse or personal representative
No examination is required for this applicant pathway.
Business Sale
Temporary authority cannot continue after the owner or representative disposes of the business.
Discretion
The Director may limit authority, require a licensed producer or insurer sponsor, or revoke to protect insureds.
Duration
No more than 180 days.
Eligibility
Surviving spouse or court-appointed representative of a deceased or disabled producer, to service or dispose of the business, permit recovery, or train replacement personnel.

Official no-examination sources

Effective from 2026-09-22.

Insurance Producer — Variable Life and Variable Annuity Products

Variable Life and Variable Annuity Products is a separate major line of authority on the producer licence; FINRA status is an applicant condition.

Licensing authority: Idaho Department of Insurance · Application information

Variable authority reinstatement with overdue CE completed within 90 days
No examination is required for this applicant pathway.
Day90Implementation
The Board CE FAQ begins retesting at day 90, while the statute begins following the ninetieth day: 90-365 days past the expiration date: $80, and you will be required to re-test for the lines of authority you carry on your license as well as complete your CE requirements.
Fees
Pay renewal fees and the applicable late-CE penalty.
Securities Registration
Maintain active FINRA CRD registration.
Window
Complete overdue CE within 90 days after expiration and apply within 12 months.

Official no-examination sources

Effective from 2026-09-22.

Variable authority reinstatement with no overdue CE
No examination is required for this applicant pathway.
Continuing Education
CE is compliant and no retest is required by 41-1013(7).
Fees
Pay double the unpaid renewal fee.
Securities Registration
Maintain active FINRA CRD registration.
Window
Within 12 months of the renewal-fee due date.

Official no-examination sources

Effective from 2026-09-22.

Nonresident Variable authority by reciprocity
No examination is required for this applicant pathway.
Application
Submit the nonresident producer application and fee; home-state reciprocity applies.
Home Authority
Hold the same Variable Life and Variable Annuity Products authority in the home state in good standing.
Securities Registration
Maintain active FINRA CRD registration.

Official no-examination sources

Effective from 2026-09-22.

Variable authority on moving to Idaho
No examination is required for this applicant pathway.
Fingerprints
Complete Idaho resident fingerprinting.
Relocation
Apply within 90 days after establishing Idaho residence for the Variable authority previously held.
Securities Registration
Maintain active FINRA CRD registration.

Official no-examination sources

Effective from 2026-09-22.

Renew Variable authority
No examination is required for this applicant pathway.
Continuing Education
Resident producer follows applicable 24-hour CE requirements including three ethics hours; nonresident follows home-state CE.
Renewal
Renew the producer licence and pay applicable fees.
Securities Registration
Maintain active FINRA CRD registration.

Official no-examination sources

Effective from 2026-09-22.

Resident Variable authority within 90 days of cancellation
No examination is required for this applicant pathway.
Application
Meet resident application, fingerprinting and fee requirements.
Good Standing
Obtain prior-state certification or NAIC database verification of good standing.
Prior License
Held the same Variable products authority; application is received within 90 days of cancellation.
Securities Registration
Maintain active FINRA CRD registration.

Official no-examination sources

Effective from 2026-09-22.

Resident Variable authority with a current equivalent licence
No examination is required for this applicant pathway.
Application
Meet resident application and fingerprinting requirements; 41-1012(1) exempts prelicensing examination.
Prior License
Currently hold the same Variable products authority in another state.
Securities Registration
Maintain active FINRA CRD registration.

Official no-examination sources

Effective from 2026-09-22.

ID Life Producer

Provider
Pearson VUE
Format
Written examination with general and Idaho sections; English and Spanish; in-person or online proctored.
Exam questions
75 scored questions: General Knowledge sections I-IV have 15, 15, 12 and 8; Idaho Specific Life sections I-III have 12, 3 and 10. Also 5 general and 6 Idaho pretest questions. The owner publishes question allocations, not fixed percentages.
Time limit
120 minutes
Exam fee
$65 per state, general, or combined examination appointment
Examination outline
  • General Knowledge I. Types of Policies
    • A. Traditional whole life products
    • A. Traditional whole life products — 1. Ordinary whole life
    • A. Traditional whole life products — 2. Limited-pay and single-premium life
    • B. Interest/market-sensitive/adjustable life products
    • B. Interest/market-sensitive/adjustable life products — 1. Universal life
    • B. Interest/market-sensitive/adjustable life products — 2. Variable whole life
    • B. Interest/market-sensitive/adjustable life products — 3. Variable universal life
    • B. Interest/market-sensitive/adjustable life products — 4. Interest-sensitive whole life
    • B. Interest/market-sensitive/adjustable life products — 5. Indexed life
    • C. Term life
    • C. Term life — 1. Types
    • C. Term life — 1.a. Level
    • C. Term life — 1.b. Decreasing
    • C. Term life — 1.c. Return of premium
    • C. Term life — 1.d. Annually renewable
    • C. Term life — 2. Special features
    • C. Term life — 2.a. Renewable
    • C. Term life — 2.b. Convertible
    • D. Annuities
    • D. Annuities — 1. Single and flexible premium
    • D. Annuities — 2. Immediate and deferred
    • D. Annuities — 3. Fixed and variable
    • D. Annuities — 4. Indexed
    • D. Annuities — 5. Accumulation and Annuity Periods
    • D. Annuities — 6. Payout options
    • E. Combination plans and variations
    • E. Combination plans and variations — 1. Joint life (first to die)
    • E. Combination plans and variations — 2. Survivorship life (second to die)
  • General Knowledge II. Life Provisions, Riders, Options, and Exclusions
    • A. Policy riders
    • A. Policy riders — 1. Waiver of premium and waiver of monthly deduction
    • A. Policy riders — 2. Guaranteed insurability
    • A. Policy riders — 3. Payor benefit
    • A. Policy riders — 4. Accidental death and/or accidental death and dismemberment
    • A. Policy riders — 5. Term riders
    • A. Policy riders — 6. Other insureds
    • A. Policy riders — 7. Long term care
    • A. Policy riders — 8. Return of premium
    • A. Policy riders — 9. Disability
    • A. Policy riders — 10. Cost of Living
    • B. Policy provisions and options
    • B. Policy provisions and options — 1. Entire contract
    • B. Policy provisions and options — 2. Insuring clause
    • B. Policy provisions and options — 3. Free look
    • B. Policy provisions and options — 4. Consideration
    • B. Policy provisions and options — 5. Owner’s rights
    • B. Policy provisions and options — 6. Beneficiary designations
    • B. Policy provisions and options — 6.a. Primary and contingent
    • B. Policy provisions and options — 6.b. Revocable and irrevocable
    • B. Policy provisions and options — 6.c. Common disaster
    • B. Policy provisions and options — 6.d. Minor beneficiaries
    • B. Policy provisions and options — 6.e. Designation by class
    • B. Policy provisions and options — 7. Premium Payment
    • B. Policy provisions and options — 7.a. Modes
    • B. Policy provisions and options — 7.b. Grace period
    • B. Policy provisions and options — 7.c. Automatic premium loan
    • B. Policy provisions and options — 7.d. Level or flexible
    • B. Policy provisions and options — 8. Reinstatement
    • B. Policy provisions and options — 9. Policy loans, withdrawals, partial surrenders
    • B. Policy provisions and options — 10. Non-forfeiture options
    • B. Policy provisions and options — 11. Dividends and dividend options (e.g. participating, non-participating)
    • B. Policy provisions and options — 12. Incontestability
    • B. Policy provisions and options — 13. Assignments
    • B. Policy provisions and options — 14. Suicide
    • B. Policy provisions and options — 15. Misstatement of age and gender
    • B. Policy provisions and options — 16. Settlement options
    • B. Policy provisions and options — 17. Accelerated death benefits
    • C. Policy exclusions
    • C. Policy exclusions — 1. War
    • C. Policy exclusions — 2. Aviation
    • C. Policy exclusions — 3. Dangerous Occupation
  • General Knowledge III. Completing the Application, Underwriting, and Delivering the Polices
    • A. Completing the application
    • A. Completing the application — 1. Required signatures
    • A. Completing the application — 2. Changes in the application
    • A. Completing the application — 3. Consequences of incomplete applications
    • A. Completing the application — 4. Warranties and representations
    • A. Completing the application — 5. Collecting the initial premium and issuing the receipt
    • A. Completing the application — 6. Replacement
    • A. Completing the application — 7. Disclosures at point of sale (e.g., HIPAA, HIV consent)
    • A. Completing the application — 8. USA PATRIOT Act/anti-money laundering
    • A. Completing the application — 9. Gramm-Leach-Bliley Act (GLBA) Privacy
    • B. Underwriting
    • B. Underwriting — 1. Insurable interest
    • B. Underwriting — 2. Medical information and consumer reports
    • B. Underwriting — 3. Fair Credit Reporting Act
    • B. Underwriting — 4. Risk classification
    • B. Underwriting — 5. Stranger/Investor-owned life insurance (STOLI/IOLI)
    • C. Delivering the policy
    • C. Delivering the policy — 1. When coverage begins
    • C. Delivering the policy — 2. Explaining the policy and its provisions, riders, exclusions, and ratings to the client
    • D. Contract law
    • D. Contract law — 1. Elements of a contract
    • D. Contract law — 1.a. Consideration
    • D. Contract law — 1.b. Offer and Acceptance
    • D. Contract law — 1.c. Competent parties
    • D. Contract law — 1.d. Legal purpose
    • D. Contract law — 2. Unique aspects of the insurance contract
    • D. Contract law — 2.a. Conditional
    • D. Contract law — 2.b. Unilateral
    • D. Contract law — 2.c. Adhesion
    • D. Contract law — 2.d. Aleatory
  • General Knowledge IV. Retirement and Other Insurance Concepts
    • A. Third-party ownership
    • B. Life Settlements
    • C. Group life insurance
    • C. Group life insurance — 1. Conversion privilege
    • C. Group life insurance — 2. Contributory vs. noncontributory
    • D. Retirement plans
    • D. Retirement plans — 1. Qualified plans
    • D. Retirement plans — 2. Nonqualified plans
    • E. Life insurance needs analysis/suitability
    • E. Life insurance needs analysis/suitability — 1. Personal insurance needs
    • E. Life insurance needs analysis/suitability — 2. Business insurance needs
    • E. Life insurance needs analysis/suitability — 2.a. Key person
    • E. Life insurance needs analysis/suitability — 2.b. Buy sell
    • F. Social Security benefits
    • G. Tax treatment of insurance premiums, proceeds, and dividends
    • G. Tax treatment of insurance premiums, proceeds, and dividends — 1. Individual life
    • G. Tax treatment of insurance premiums, proceeds, and dividends — 2. Group life
    • G. Tax treatment of insurance premiums, proceeds, and dividends — 3. Modified Endowment Contracts (MECs)
  • Idaho Specific Life 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. Fraternals
    • B. Definitions — 5. Authorized and unauthorized companies/admitted and nonadmitted companies
    • B. Definitions — 6. Stock and mutual companies and reciprocals
    • B. Definitions — 7. Certificate of authority
    • B. Definitions — 8. Transacting insurance
    • B. Definitions — 9. Negotiate
    • C. Licensing
    • C. Licensing — 1. Persons required to be licensed
    • C. Licensing — 1.a. Producer
    • C. Licensing — 1.b. Resident/nonresident
    • C. Licensing — 2. Producer appointment/termination of appointment
    • C. Licensing — 3. Obtaining a license
    • C. Licensing — 3.a. Qualifications
    • C. Licensing — 3.b. License application
    • C. Licensing — 3.c. Written examinations
    • C. Licensing — 3.d. Exemptions/exceptions
    • C. Licensing — 3.e. License denial/refusal
    • C. Licensing — 4. Maintaining a license
    • C. Licensing — 4.a. Continuing education
    • C. Licensing — 4.b. Change of address/place of business
    • C. Licensing — 4.c. Fees/renewal
    • C. Licensing — 4.d. Record keeping
    • C. Licensing — 4.e. License expiration
    • C. Licensing — 4.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.a. Rebating
    • F. Marketing practices — 2.b. Misrepresentation
    • F. Marketing practices — 2.c. False advertising
    • F. Marketing practices — 2.d. Defamation
    • F. Marketing practices — 2.e. False financial statements
    • F. Marketing practices — 2.f. Boycott, coercion, intimidation
    • F. Marketing practices — 2.g. Unfair discrimination
    • F. Marketing practices — 2.h. Coercion of borrower
    • F. Marketing practices — 2.i. Fraud
    • F. Marketing practices — 2.j. Twisting
    • F. Marketing practices — 3. Penalties
  • Idaho Specific Life 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 Life III. Idaho Statutes, Rules, and Regulations Pertinent to Life Insurance Only
    • A. Policy replacement
    • A. Policy replacement — 1. Purpose
    • A. Policy replacement — 2. Definitions
    • A. Policy replacement — 3. Exemptions
    • A. Policy replacement — 4. Duties of producer
    • A. Policy replacement — 5. Duties of replacing insurance company
    • B. Annuity contracts
    • B. Annuity contracts — 1. Suitability in Annuity transactions
    • C. Individual life
    • C. Individual life — 1. Standard provisions
    • C. Individual life — 1.a. Grace period
    • C. Individual life — 1.b. Policy loan and loan interest rates
    • C. Individual life — 1.c. Policy reinstatement
    • C. Individual life — 1.d. Free look
    • C. Individual life — 1.e. Protection of beneficiaries from creditors
    • C. Individual life — 2. Life Settlements Act
    • D. Group life
    • D. Group life — 1. Standard provisions
    • D. Group life — 2. Conversion rights
    • D. Group life — 3. Eligible groups
Examination sources