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CONNECTICUT
Department of Insurance
Licensing Information Handbook
Effective as of September 1, 2019
Register online at www.prometric.com/connecticut/insurance
Published by Prometric Providing License Examinations for the State of Connecticut
Copyright© 2019 Prometric LLC
REVISED 09052019
Contents
Introduction 1 Information for All Other Licenses ...... 24 A Message from the Department ...... 1 Property & Casualty Claims Adjuster ...... 24 Overview of Licensing Process ...... 1 Certified Insurance Consultant ...... 24 Fraternal Agent ...... 25 Connecticut Licensing Requirements 3 Life Settlement Broker ...... 25 Types of Licenses and Requirements ...... 3 Life Settlement Registration ...... 26 Criminal Convictions ...... 6 Managing General Agents (MGA) ...... 26 Surety Bail Bond Agent Applicants/Licensees6 Motor Vehicle Physical Damage (MVPD) Pre-Licensing Education Requirements (Producers Appraiser ...... 26 & Surety Bail Bond Agents) ...... 6 Portable Electronics (Business Entity Only) 28 Pre-license Exemptions ...... 8 Public Adjuster ...... 28 Examination Exemptions ...... 8 Reinsurance Intermediary (Broker or Manager) ...... 28 Scheduling Your Exam 9 Surety Bail Bond Agent...... 30 Registering and Scheduling Information ...... 9 Individual Applicants ...... 31 Online ...... 9 Background Check (Individual applicants only) By Fax or Mail ...... 9 ...... 32 By Phone ...... 9 Business Entity Applicants ...... 32 Reschedule and Cancellation ...... 10 Rental Car Company Permit ...... 32 If absent or late for your appointment ...... 10 Any person transacting business in this state Test Centers ...... 10 under the terms of a rental office or by Holidays ...... 10 preselection of coverage in a master rental agreement. (CGS 38a-799) ...... 32 Emergency Closings ...... 10 Other License Categories ...... 33 Testing Accommodations ...... 11 Reciprocity for licenses other than Insurance Preparing for Your Exam 13 Producer ...... 33 Study Materials ...... 13 Amendments for licenses other than Insurance Producer ...... 34 Content Outlines Overview ...... 13 Renewals for licenses other than Insurance Practice Exams ...... 14 Producer ...... 34 Taking Your Exam 15 Continuing Education Requirements ...... 34 Testing Process ...... 15 Dropping Lines of Authority ...... 34 Test Center Regulations ...... 16 Flood Requirements ...... 35 Question Types ...... 17 Reporting Credits ...... 35 Experimental Questions ...... 17 Change of Name, Address or Employer ..... 36 Exam Results ...... 18 Reporting Changes in Licensee Information .. 36 Appeals Process ...... 19 Notification of Administrative Action/Criminal Prosecution ...... 36 Applying for Your License 20 Exam Content Outlines 37 Insurance Producer License Information ...... 20 Connecticut Producer's Examination for Life Reciprocity for Insurance Producers ...... 21 Insurance Amendments for Insurance Producer Licensees Series 18-01 ...... 37 ...... 21 Connecticut Producer's Examination for Accident Appointment Requirements for Insurance and Health Insurance Producer Licensees ...... 21 Series 18-02 ...... 41 Renewals for all Insurance Producer Licensees ...... 21 Connecticut Producer's Examination for Life/Accident and Health Insurance Insurance Producer: ...... 23 Series 18-03 ...... 46 Travel ...... 23 Connecticut Producer's Examination for Information ...... 23 Property/Casualty Insurance
CONNECTICUT DEPARTME NT OF INSURANCE
Series 18-04 ...... 54 Examen de seguros contra siniestros del Connecticut Certified Insurance Consultant's productor de Connecticut Examination for Life/Accident and Health Serie 18-91 ...... 118 Insurance Exam Registration Form 121 Series 18-05 ...... 59 Connecticut Certified Insurance Consultant's Payment Form 122 Examination for Property/Casualty Insurance Series 18-06 ...... 68 Connecticut Surplus Lines Broker's Examination Series 18-07 ...... 74 Connecticut Public Adjuster's Examination Series 18-08 ...... 75 Connecticut Casualty Adjuster's Examination for All Lines Insurance Series 18-09 ...... 78 Connecticut Casualty Adjuster's Examination for All Lines Insurance Except Workers Compensation Series 18-10 ...... 81 Connecticut Casualty Adjuster's Examination for Workers Compensation Insurance Series 18-11 ...... 84 Connecticut Casualty Adjuster's Examination for Auto Insurance Only Series 18-12 ...... 86 Connecticut Surety Bail Bond Agent's Examination Series 18-13 ...... 88 Connecticut Motor Vehicle Physical Damage Appraiser's Examination Series 18-16 ...... 89 Connecticut Producer's Examination for Personal Lines Insurance Series 18-18 ...... 90 Connecticut Producer's Examination for Property Insurance Series 18-19 ...... 94 Connecticut Producer's Examination for Casualty Insurance Series 18-20 ...... 97 Examen de seguro de vida del productor de Connecticut Serie 18-75 ...... 101 Examen de seguro contra accidentes y de salud del productor de Connecticut Serie 18-76 ...... 104 Examen de seguro de vida/contra accidentes y de salud del productor de Connecticut Serie 18-77 ...... 107 Examen de seguro de propiedad/contra siniestros del productor de Connecticut Serie 18-78 ...... 112 Examen de seguro de propiedad del productor de Connecticut Serie 18-90 ...... 115
CONNECTICUT DEPARTME NT OF INSURANCE
Introduction
A Message This handbook provides you with information about the processes of becoming from the licensed by the Connecticut Insurance Department (referred to as “the Department” in this handbook). Department Information is included about the license application process for: Property & Casualty Claim Adjusters, Certified Insurance Consultants, Fraternal Agents, Model Travel Only, Motor Vehicle Physical Damage Appraisers, Life Settlement Brokers, Portable Electronics, Premium Finance Companies, Insurance Producers, Public Adjusters, Reinsurance Intermediary Brokers and Managers, Rental Car Permit, Surety Bail Bond Agents, Surplus Lines Brokers, and Third Party Administrators.
For questions regarding license types not listed above, visit the Department’s website at http://www.ct.gov/cid and select Licensing.
We wish you well in your pursuit of an insurance license. Remember that a license is a privilege, not a right or a gift. Insurance professionals must remain abreast of, and comply with, evolving insurance laws and regulations.
Overview of This handbook provides information about the examination and licensing process for Licensing obtaining a resident insurance license. You should read this Licensing Handbook including the examination content outlines prior to taking an exam. If interested in Process applying for a nonresident license, you can apply online via NIPR at www.nipr.com or an NIPR authorized business partner. Licensing Process Follow these main steps if you are interested in obtaining an insurance license.
1. Read this handbook to learn about examination and licensing requirements. 2. Complete the required pre-licensing education (if applicable) from a Connecticut approved education provider and obtain a certificate of pre-licensing course completion. You can find approved education providers in the Pre-licensing education section of this Handbook. 3. Register and schedule your exam. The easiest way to register and schedule is online at http://www.prometric.com/connecticut/insurance. Phone, fax and mail options are also available. 4. Review the examination content outlines which can be found at the end of this document. The content outlines in this guide are the basis for the exams. 5. Bring two forms of identification and the pre-license certificate if required for line of authority to the test center. 6. If you pass the exam(s), allow 2-3 business days for your score to be uploaded to NIPR. Apply for the license at www.nipr.com. Select “Apply for License.” If you do not pass the exam(s), you must repeat the licensing process (steps 3-5 above).
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To get answers not provided in this handbook Visit our Website: http://www.prometric.com/connecticut/insurance Frequently Asked Questions are available: https://www.prometric.com/en- us/clients/insurance/Documents/connecticut/CTInsuranceExamFAQs.pdf
Direct questions about licensure to: Connecticut Insurance Department P.O. Box 816 Hartford, CT 06142-0816 Website: http://www.ct.gov/cid Email: [email protected]
Direct all questions and requests for information about exams to: Prometric LLC Website: www.prometric.com/connecticut/insurance E-mail: [email protected] Phone: (800) 341-3257 Fax: (800) 347-9242 TDD User: (800) 790-3926
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Connecticut Licensing Requirements
This section describes: The types of licenses offered and their requirements. Pre-licensing education requirements. Licensing requirements based on residence.
The Connecticut Insurance Department’s Licensing Division is responsible for Types of ensuring that the individuals and business entities conducting the business of Licenses and insurance in Connecticut have the required qualifications. The Department Requirements develops and maintains up-to-date educational standards and examinations for all prospective licensees, and issues and renews licenses to qualified applicants.
The Insurance Commissioner is empowered to qualify applicants to sell or provide insurance services, products, and Rental Car Company permits, in Connecticut pursuant to Connecticut General Statutes Title 38.
Applicants interested in obtaining an insurance license in Connecticut are responsible for knowing, and complying with, the laws and regulations set forth to regulate the insurance industry in Connecticut.
Important Passing an exam does not guarantee that you will be issued a license. Issuance of a license depends on review and approval of all license application materials. See the “Applying for your license” section for more information.
To obtain a license, you must: Be at least 18 years of age; Be financially responsible and of good moral character; Complete any necessary pre-license requirements; Pass the required examination(s) for the type of license you are seeking; and Apply online (See Page 20).
The basic requirements for each type of license are shown in this chart. You should read the “Applying for your license” section in this handbook for specific details relevant to the type of license you need. Additional information may be found on the Departments website at www.ct.gov/cid. Select “Licensing,” then select “Agents/Brokers Licensing.”
License Type Lines of Authority Course Exam Filing License License Hours Required Fee† Fee†† Expires Property & All Lines None 18-09 $50 $80 Initial June 30 Casualty All Lines Except None 18-10 & Renewal each odd- Claims Workers’ numbered Adjuster year Compensation None 18-11 Page 23 Workers’ None 18-12 Compensation ONLY Auto ONLY Certified Life/Accident, Health None 18-05 $50 $250 Initial September Insurance and Sickness None 18-06 & Renewal 30 each Consultant Property and odd- Page 23 Casualty numbered year
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License Type Lines of Authority Course Exam Filing License License Hours Required Fee† Fee†† Expires Fraternal Life, Accident, None No exam $50 $80 Initial December Agent Health and Sickness None No exam & Renewal 31 each Page 25 Variable Life and odd- Variable Annuity numbered (Life license & year Securities license required) Life Life Settlements None No Exam $26 $40 Initial March 31 Settlement & Renewal each year Broker Page 26 Life Life Settlements None No Exam None $26 Initial Settlement Registration Page 26 Managing None No Exam None None General Agents (MGA) Page 26 Motor Vehicle Auto Physical None 18-16 $50 $80 Initial June 30 Physical Damage Residents & Renewal each odd- Damage must also numbered Appraiser pass a year Page 26 practical exam Portable Portable Electronics None No Exam $100 $500 Initial January 31 Electronics & and each Page 28 $450 even- Renewal numbered year Insurance Limited Lines (1) $50 $80 Initial Birth Producer Credit (Includes None No Exam & $160 month Page 20 Credit Life, Credit Renewal every two Disability, Credit years Property, Credit $10 Unemployment, Guaranty Involuntary Fund Unemployment; (Brokered Mortgage Life, Transaction Mortgage Guaranty, s Guaranty Mortgage Disability, Fund for Guaranteed Auto Individuals Protection, and is a $10 other insurance ONE TIME offered in ONLY FEE.) connection with an None No Exam extension of credit.)
Travel (Includes Travel Accident & Baggage and Trip
Cancellation.)
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License Type Lines of Authority Course Exam Filing License License Hours Required Fee† Fee†† Expires Standard Lines Accident, Health and 40 hours 18-02 Sickness only
Casualty only 40 hours 18-20
Life/Accident, Health 80 hours 18-03 and Sickness
Life only 40 hours 18-01
Personal Lines only 40 hours 18-18
Property/Casualty 80 hours 18-04
Property only 40 hours 18-19
Variable Life and None No Exam Variable Annuity (Life license & Securities license required) Insurance Travel None No Exam $100 $650 Initial Individuals Producer: & $650 : Birth Travel (P.A. Renewal month 187- Limited every two Lines year Page 22 Business Entity: January 31 each even year Public Property 40 hours 18-08 $50 $250 Initial April 30 Adjuster & Renewal each even- Page 28 numbered year
Reinsurance Reinsurance None No Exam $50 $625 Initial December Intermediary & Renewal 31 each Broker or even- Manager numbered Page 28 year Rental Car Rental Car None None $80 Initial January 31 Company & Renewal each even Permit year Page 32 Title Title None None None None None Page 33 Surplus Lines Surplus Lines None 18-07 $50 $625 Initial September Broker & Renewal 30 each Page 30 even- numbered year
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License Type Lines of Authority Course Exam Filing License License Hours Required Fee† Fee†† Expires Surety Bail Bail Bonds 25 18-13 $100 $250 Initial January 31 Bond Agent Hours & $100 each even- Page 30 Renewal numbered year
Criminal Convictions Applicants and licensees who have been convicted of any crime are subject to Department requirements and approval both at the time of application and on an ongoing basis.
The Violent Crime Act, 18 USC 1033, prohibits a person who has been convicted of a felony involving dishonesty or breach of trust from conducting insurance business without first obtaining a waiver from an Insurance Commissioner. An insurance license is not a waiver.
If you have any questions about whether you qualify, you might want to discuss the circumstances with the insurance company for which you plan to do business.
Surety Bail Bond Agent Applicants/Licensees Pursuant to CGS 38a-660, anyone who has ever been convicted of a “disqualifying offense” shall be ineligible for a Surety Bail Bond Agent license. “Disqualifying offense,” means: (A) a felony; (B) a misdemeanor if an element of the offense involves dishonesty or misappropriation of money or property; or (C) a misdemeanor under section 21a-279, 53a-58, 53a-61, 53a-61a, 53a-62, 53a-63, 53a-96, 53a-173, 53a-175, 53a-176, 53a-178 or 53a-181d. For more information, refer to the Surety Bail Bond Agent License Requirements and Application on the Department’s website at https://portal.ct.gov/CID/Fraud/Bail-Bonds-Regulation.
Pre-Licensing You must successfully complete a pre-license course requirement and pass the Education corresponding pre-license exam. Pre-license course requirements must be met through a course provider approved by the Department. You will need to bring Requirements your original pre-license course completion certificate to the test center on the day (Producers & of the exam.
Surety Bail Important Please make sure to bring your pre-licensing course completion Bond Agents) certificate and valid identification or you will not be permitted to test.
Below is a list of approved pre-licensing education providers as of September 1, 2019. This list is subject to change. The entities listed below are approved for the general public. Check with your insurance company or employer to determine if they have a pre-license education coursed approved by the State of Connecticut Insurance Department.
0Chance 2 Fail (20050) ExamFX (0244) (formerly ABLE) Life, Accident, Health and Sickness Life, Accident, Health and – Property/Casualty Sickness– Property/Casualty Home Study Home Study 877.516.8384 800.586.2253 www.0chance2fail.com www.examsimulator.com A D Banker & Co (0031) Independent Insurance Agents Life, Accident, Health and Sickness of Connecticut (0103) – Property/Casualty Life, Accident, Health and Combination Classroom and Home Study Sickness– Property/Casualty – Personal Lines 913.451.1280 Combination Classroom and Home Study www.adbanker.com 860.563.1950 www.iiact.org
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Bail Bond School of CT (20110) Kaplan Financial (0120) Bail Bond Life, Accident, Health and Sickness Classroom – Property/Casualty 866.777.2663 Home Study www.bailbondschoolct.com 800.824.8742 www.kfeducation.com BK Holdings Inc. d/b/a The License Coach National Insurance Licensing (100333) Associates Inc. (0050) Casualty, Accident, Health and Sickness, Life, Accident, Health and Sickness Life, Life & Accident, Health and Sickness, – Property/Casualty Property & Casualty, Property Home Study Self-Study 508.875.9417 888.839.5412 www.nila-inc.com www.licensecoach.com CPMI (101668) National Online Insurance School (102694) Life, Accident, Health and Sickness Life, Accident, Health and Sickness, & – Property/Casualty Life/Accident, Health and Sickness 877.601.2273 Combined Home Study www.cpmipro.com/connecticut-insurance- 888.770.3681 license.htm www.nationalonlineinsuranceschool.com Connecticut Bail Academy, LLC (20006) New England Bail Bonds, LLC (20114) Bail Bond Bail Bond Combination Classroom and Home Study Combination Classroom and Home Study 860.646.2245 203.430.8326 www.connecticutbailacademy.com www.newenglandbailbondschool.com Connecticut School of Bail Bonds (103735) Pentera Group (0173) Bail Bond Life, Accident, Health and Sickness Classroom Home Study 860.462.3190 317.545.2711 www.ctbailschool.com www.pgiresourcesce.com Educational Training Systems PreLicense.com, a Service of WebCE (Financial Campus) (0197) (101293) Life, Accident, Health and Sickness Accident, Health and Sickness only, Life only, – Property/Casualty and Life/Accident, Health and Sickness Home Study combined 800.711.9484 Self-Study www.financialcampus.com 877.488.9310 www.prelicense.com Professional Insurance Agents of Securities Training Corporation CT (PIA) (0184) (0240) Property/Casualty Life, Accident, Health and Sickness Combination Classroom and Home Study Combination Classroom and Home Study 518.434.3111 800.782.2678 www.piaonline.org/CT www.stcusa.com Tactical Countermeasures Group, Test Teachers (101045) LLC Life, Accident, Health and Sickness – (108785) Property/Casualty – Personal Lines Bail Bond Home Study Combination Classroom and Home Study 888.422.7714 860.982.0241 [email protected] www.tact1.net
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Pre-license Insurance Producer pre-license coursework: The pre-license course is waived Exemptions for the following Insurance Producer license applicants: Life - for any applicant who has been awarded the professional designation of CEBS, ChFC, CIC, CFP, CLU, FLMI and/or LUTCF and provides a current Letter of Designation.† Accident, Health and Sickness - for any applicant who has been awarded the professional designation of CEBS, CLU, HIA, REBC and/or RHU and provides a current Letter of Designation.† Property, Casualty and Personal Lines - for any applicant who has been awarded the professional designation of AAI, ARM, CIC and/or CPCU and provides a current Letter of Designation.† †Email [email protected] or fax (860) 297-3978current letter (within 90 days) from the society referencing the CID application number or the NIPR transaction number. Examination Insurance Producer examination: The examination requirement is waived for Exemptions the following Insurance Producer license applicants: Life - for any applicant who has been awarded the professional designation of CLU and provides a current Letter of Designation.† Accident, Health and Sickness - for any applicant who has been awarded the professional designation of CLU and provides a current Letter of Designation.† Property, Casualty and Personal Lines - for any applicant who has been awarded the professional designation of CPCU and provides a current Letter of Designation.† Certified Insurance Consultants pre-license coursework and examination: Course not required. The examination requirement is waived for the following Certified Insurance Consultant license applicants: Life and Accident, Health and Sickness - for any applicant who has been awarded the professional designation of CLU and provides a current Letter of Designation.† Property/Casualty - for any applicant who has been awarded the professional designation of CPCU, AAI, or CIC and provides a current Letter of Designation.† †Email [email protected] or fax (860) 297-3978 current letter (within 90 days) from the society referencing the CID application number or the NIPR transaction number.
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Scheduling Your Exam
Registering Prometric provides computerized testing through its multistate testing network. and You may take the exam at any Prometric test center in the United States. Follow the instructions here to register and schedule an appointment. Scheduling Testing Accommodations. If you require an Americans with Disabilities Act Information (ADA) accommodation(s) or English as Second Language (ESL) additional time, see the “Testing Accommodations” section below. Online Register and schedule online—it saves time and it’s easy! You can easily register and schedule your exam online at any time using our Internet Registration Service by going to: 1 www.prometric.com/connecticut/insurance. 2 Click on Create or Login to Your Account to register. 3 Click on Schedule Your Test and follow the prompts.
By Fax or Mail You may fax the completed Exam Registration Form found at the end of this handbook to Prometric to (800) 347-9242. You must also include the completed Credit Card Payment Form (Visa, MasterCard or American Express). The cardholder’s signature must be on the Form. OR
You may mail the completed Exam Registration Form and the appropriate exam fee to the address on the form. When registering by mail, you may pay the exam fee by Visa, MasterCard or American Express, company check, cashier’s check or money order. Personal checks and cash are not accepted.
Important Please ensure that you are registering for the correct examination. Exam fees are not transferable or refundable.
If paying by credit card, you must also include the completed Credit Card Payment Form (Visa, MasterCard or American Express). The cardholder’s signature must be on the Form, including a Visa, MasterCard or American Express, company check, cashier’s check or money order. By Phone If you are unable to schedule online, you may schedule the examination by calling (800) 341-3257 between 8 a.m. and 9 p.m. (Eastern Time), Monday through Friday, and between 10 a.m. and 3 p.m. (Eastern Time), Saturday and Sunday. Please have your exam information and credit card information for payment available.
Note An exam registration remains valid for 90 calendar days after it has been processed. It will expire without further notice at that time. We recommend that you do not register for your exam until you are prepared to take it. If you allow your exam registration to expire or did not pass your exam, you must re-register. Another exam registration fee is required.
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Reschedule and Cancellation To reschedule or cancel your existing exam appointment, you must contact Prometric 24 hours prior to the exam appointment date in order to avoid forfeiting your exam fee. If you need to reschedule, cancel or confirm your appointment, please go to http://www.prometric.com/connecticut/insurance .
After you cancel your exam, you must initiate a refund by going to https://fs6.formsite.com/Prometric/form33/index.html and completing the refund form. Completion of this form does not guarantee a refund.
Prometric will review refund requests and email decisions to you within 7-10 business days of receipt unless further research and/or documentation are required. Prometric reserves the right to request documentation to support any illness or emergency claim. Refund requests made via phone will not be accepted.
If you change or cancel your appointment without proper notice, you may forfeit your examination fee(s). Refund requests are reviewed on a case by case basis. There will be no refund for appointments that are cancelled less than 24 hours prior to scheduled exam without verification or documentation of illness or emergency. If absent or late for your appointment If you miss your appointment, or arrive late and are not allowed to test, you will forfeit your exam fee(s).
Test Centers You may take the exam at any Prometric test center in the United States. Test center locations are subject to change. Be sure to verify the address of and directions to the test center before you leave for the exam.
Applicants are required to bring their original pre-licensing course completion certificate to the test center on the day of the exam. If you do not bring the certificate, you will NOT be allowed to take the exam and you will be required to reschedule another exam date. Holidays Testing generally does not occur on federal holidays. Additional state holidays may be observed in the state where your schedule the exam appointment. Emergency Closings Severe weather or an emergency could require canceling scheduled exams. If this occurs, Prometric will attempt to contact you by phone; however, you may check for testing site closures by checking our website at https://www.prometric.com/en-us/pages/siteclosure.aspx or calling Prometric at (866) 370-3411. If the site is closed, the exam will be rescheduled without a rescheduling fee.
If a test center is open for testing and you choose not to appear for the appointment, you will forfeit the exam fees and must reschedule and pay another exam fee.
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Testing ADA Accommodations. Reasonable testing accommodations are provided to allow Accommodations candidates with documented disabilities recognized under the ADA an opportunity to demonstrate their skills and knowledge. Prometric makes every effort to provide reasonable testing accommodations that enable all test takers to take examinations.
If you require testing accommodations under the Americans with Disabilities Act (ADA), please complete and submit a Testing Accommodation Request Form online at https://www.prometric.com/en-us/for-test-takers/prepare-for-test- day/pages/arrange-testing-accommodations.aspx, or contact Prometric at (888) 226-9406 to obtain an Accommodation Request Form.
Professional documentation of the disability must be submitted with the Accommodation Request Form to aid Prometric in determining the appropriate testing accommodations. Thirty days’ advance notice is required for all testing arrangements. There is no additional charge for these accommodations. ESL accommodation. All examinations are given in English. If English is not your primary language, you may qualify for additional time for the test by requesting an ESL Authorization from Prometric. To request an ESL authorization, please submit : A personal letter requesting the authorization; and A letter from the English instructor or sponsoring company (on company letterhead), certifying that English is not your primary language.
Please fax documents to 800.347.9242 and allow three (3) days for processing. If your request is approved, Prometric may extend the time limit on your examination to time-and-one-half or 150% of the normal time limit. Prometric will inform you by mail whether your request for accommodation is approved. You should not schedule your exam until you have received the confirmation email. Exams scheduled before the ESL request has been approved will not include extra time.
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The following exams are available October 1, 2019:
Series Code Title Questions 1801 Connecticut Producer's Life Insurance 100
1802 Connecticut Producer's Accident and Health Insurance 100 1803 Connecticut Producer's Life, Accident, and Health Insurance 150 1804 Connecticut Producer's Property and Casualty Insurance 150 Connecticut Certified Insurance Consultant's Life, Accident, and Health 1805 150 Insurance Connecticut Certified Insurance Consultant's Property and Casualty 1806 150 Insurance 1807 Connecticut Surplus Lines Broker's Insurance 60 1808 Connecticut Public Adjuster's Insurance 100 1809 Connecticut Casualty Adjuster's for All Lines Insurance 100 Connecticut Casualty Adjuster's for All Lines Except Workers Compensation 1810 100 Insurance 1811 Connecticut Casualty Adjuster's Workers Compensation Insurance 60 1812 Connecticut Casualty Adjuster's Auto Insurance Only 60 1813 Connecticut Surety Bail Bond Agent's Insurance (CB)-no difficulty level 60 1816 Connecticut Motor Vehicle Physical Damage Appraiser's Insurance 60 1818 Connecticut Producer's Personal Lines Insurance 100 1819 Connecticut Producer's Property Insurance 100 1820 Connecticut Producer's Casualty Insurance 100
1875 Examen de seguro de vida del productor de Connecticut 100 Examen de seguro contra accidentes y de salud del productor de 1876 100 Connecticut Examen de seguro de vida/contra accidentes y de salud del productor de 1877 150 Connecticut Examen de seguro de propiedad/contra siniestros del productor de 1878 150 Connecticut 1890 Examen de seguro de propiedad del productor de Connecticut 100 1891 Examen de seguros contra siniestros del productor de Connecticut 100
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Preparing for Your Exam
Being well prepared can help you pass the exam and save time and possibly money spent retaking it. This section offers: Information about study materials. An overview of the exam content outlines. Practice Exams. Study Materials In addition to any pre-licensing education that is required for the exam, you are free to use the materials of your choice to prepare for the exam. Different publishers provide materials to assist you in preparing for insurance licensing exams. These materials take different approaches and you should choose one that meets your needs. Make sure your study materials are current and that they cover the topics in the outlines. Be aware that the content outlines are updated periodically and outdated study materials may not be consistent. Neither the Connecticut Insurance Department nor Prometric reviews or approves study materials. General Recommendations. You may obtain recommendations for study materials and pre-licensing study courses from insurance companies, the company or agency you plan to work for, or local insurance and agents’ associations. Connecticut Statutes and Regulations. The exams contain questions on Connecticut statutes and regulations. In addition to general study material, you may wish to consult the references cited in the applicable content outlines. Connecticut General Statutes, Regulations and Handbooks are available online at http://www.ct.gov/cid/cwp/view.asp?Q=300444. To order official Connecticut General Statutes, call the Office of the Secretary of State, Publications Division at 860.509.6150. To order specific Public Acts, call 860.509.6136. Statutes and Public Acts may be accessed online at https://ctstatelibrary.org/
Insurance statutes are Volume 11, Title 38a. To order the Connecticut Weekly Law Journal, which reports changes in laws, call 860.741.3027 Content The license exam for each type of license consists of questions that test knowledge Outlines of topical areas listed in the content outline for that exam. An overview of each exam content outline appears at the end of this handbook. You can also view the Overview exam content outlines online at http://www.prometric.com/connecticut/insurance
Note Do not schedule the exam until you are familiar with all subject areas in the applicable content outline.
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Practice Exams To take a practice exam, select or copy link below to your browser: https://www.prometric.com/en-us/clients/insurance/Pages/practice- exam.aspx While practice exams contain general, non-state specific insurance questions, they are created in the same format and use the same question types as the actual licensure exams. Practice exams are designed to help you become familiar with the computer-based testing process. During the practice exam, you will get immediate feedback to correct and incorrect responses as well as overall feedback at the end of the session just as you would during the actual exam. Practice exams are available for: (LIPA) Life Insurance Producer/Agent Practice Exam in English only (HIPA) Health Insurance Producer/Agent Practice Exam in English only (PIPA) Property & Casualty Insurance Producer Practice Exam in English only
There is no cost to take Prometric Practice Exams!
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Taking Your Exam
Knowing what to expect when taking the exam may help you prepare for it. This section contains: An overview of the testing process. Regulations that will be enforced at the testing center. Information about the types of questions on the exam. A guide to understanding the exam results. Information about appeals.
Testing The exam will be administered by computer but you do not need any computer Process experience or typing skill to take the exam. Arrival. You should arrive at least 30 minutes before the scheduled exam appointment. This allows time for you to sign in and for staff to verify your identification and complete all security checks.
Pre-Licensing Course Completion Certificate or Pre-Licensing Waiver: Important Information - If you are taking a Public Adjuster, Standard Lines Insurance Producer, or Surety Bail Bond Agent exam, you must bring your original pre-license education course completion certificate or Insurance Department Pre-licensing Waiver with you or you will not be allowed to take the exam. You would then be required to schedule a new exam date.
Identification Required. You must present a valid form of identification before taking the test. The identification document must: Be government-issued (e.g., driver’s license, state-issued identification card, passport, or military identification card). Contain both a current photo and signature (if not you must present two identification cards: one with your photo and one with your signature). Exactly match the name used to register for the exam (including designations such as “Jr.” and “III”).
Important Failure to provide appropriate identification at the time of the exam is considered a missed appointment. As a result, you will be required to pay another full examination fee before making another appointment. If you cannot provide the identification listed above, contact Prometric before scheduling the appointment to arrange an alternative way to meet this requirement.
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Test Center Copyrighted Questions. All test questions are the property of Prometric LLC and Regulations are protected by copyright. Federal law provides severe civil and criminal penalties for the unauthorized reproduction, distribution, or exhibition of copyrighted materials.
To ensure that all candidates are tested under similar conditions, the following regulations and procedures will be enforced at each test center. Failure to follow any of these security procedures may result in your being disqualified from taking an examination.
1 While in the test center, you will be continuously monitored by video. During your examination, you will also be monitored by physical walk-throughs and through an observation window. All testing sessions are video and audio recorded. 2 You must present valid (unexpired) and acceptable ID(s) in order to take your test. (See “Identification required” in the previous section). 3 You will be scanned with a metal detector wand prior to every entry into the test room. If you refuse, you cannot test. 4 You will be required to raise your pants legs above your ankles, empty and turn all pockets inside-out and raise shirt sleeves above your wrists prior to every entry into the test room. 5 If you are wearing eyeglasses, you will be required to remove them for visual inspection to ensure they don’t contain a recording device. Large jewelry items must be stored in your locker due to concerns over concealed recording devices. 6 You must sign the test center roster each time you leave the test room. You must also sign back in and show your ID to the Test Center Administrator (TCA) in order to re-enter the test room. 7 You are prohibited from communicating, publishing, reproducing, or transmitting any part of your test, in any form or by any means, verbal or written, for any purpose. 8 You must not talk to other candidates or refer to their screens, testing materials, or written notes in the test room. 9 You must not use written notes, published materials, or other testing aids. 10 You are allowed to bring soft ear plugs or center-supplied tissues into the test room. 11 Any clothing or jewelry items allowed to be worn in the test room must remain on your person at all times. Removed clothing or jewelry items must be stored in your locker. 12 You must not bring any personal/unauthorized items into the testing room. Such items include but are not limited to outerwear, hats, food, drinks, purses, briefcases, notebooks, pagers, watches, cellular telephones, recording devices, and photographic equipment. Weapons are not allowed at any Prometric test center. You will be asked to empty and turn your pockets inside out prior to every entry into the test room to confirm that you have no prohibited items. 13 You must return all materials issued to you by the test center administrator (“TCA”) at the end of your test. 14 You are not allowed to use any electronic device or phone during breaks. 15 If you have a medical condition that may require you to access food or medicine during your exam session, you must store those items separately
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from other items you place in the test center locker. You must inform the TCA before you retrieve the food or medicine, and the TCA will observe you obtaining the item from the locker. You are not allowed to access any item other than food or medicine needed for a medical reason. 16 You must conduct yourself in a civil manner at all times when on the premises of the test center. Exhibiting abusive behavior towards the TCA or any other staff member of the test center may result in examination disqualification and criminal prosecution. Failure to follow any of these security procedures may result in the disqualification of the examination. Prometric reserves the right to audio and videotape any examination session.
For more information on Prometric test center regulations, please visit: www.prometric.com/en-us/for-test-takers/prepare-for-test- day/documents/TestCenterRegulations.pdf Please note: Test center administrators are not allowed to answer any questions pertaining to the exam content. If you do not understand a question on the examination, you should answer the question to the best of your ability.
The examination contains four-option multiple choice questions. These questions Question Types are designed to be as clear and concise as possible while testing knowledge and comprehension of insurance concepts as well as the application of the insurance concepts. The design of the exam ensures that those who possess the required knowledge of the specific insurance line of authority being tested should perform well on the examination for which they prepared. Question Formats. Three different multiple-choice formats are used. Each format is shown in the following examples. An asterisk (*) indicates the correct answer in each sample question.
Format 1—Direct Which one of the following is a type of health insurance policy designed to replace question the wages of an insured that is unable to work due to an accident or sickness? * 1. Disability Income Insurance Policy 2. Employer-Sponsored Group Major Medical Policy 3. Hospital Expense Insurance Policy 4. Special Risk Policy
Format 2— Benefits under workers’ compensation insurance are payable: Incomplete 1. For bodily injury that is accidental or intentional sentence * 2. Regardless of the liability of the employer 3. Unless safety rules are violated 4. Up to a maximum of 30 percent of weekly wages
Format 3—All of A life insurance policy may include provisions that do all of the following EXCEPT: the following 1. Restrict coverage if death is caused by suicide except 2. Require evidence of insurability to reinstate coverage * 3. Extend the contestable period beyond two years 4. Adjust proceeds if the insured’s age is misstated on the application
Experimental The examination may include some experimental questions that will not be Questions scored. If present, they are distributed throughout the examination and will not be identified as such. These are used to gather statistical information on the questions before they are added to the examination as scored items. These experimental questions will not be counted for or against you in the final examination score.
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You will be helping us help future test takers by completing 5 experimental test questions in your exam. We plan to use the experimental questions on future exams based on your performance.
The questions will:
be randomly distributed within your test
will not be counted in your final score
time spent on the question will not be deducted from your test time
Exam Results At the end of the exam, the score will be shown on the screen and you will receive a printed score report. The report indicates the overall score and grade, including the numerical percentage of questions answered correctly and whether you passed or failed.
The report also displays the correct percentage in each major section of the exam, as defined by the exam content outline. These section scores are shown to guide you, or your employer and/or trainer, about areas requiring additional preparation for retesting if you do not pass the exam. Even after you pass, you may want to focus on these areas as you begin to provide insurance products and services to the public.
Sample score report Score Report for Sample, Sarah A.
Connecticut Life Insurance Examination Number of Number Percent Questions Correct Correct Life Total Test Score 100 80 80% Insurance Regulation 5 4 80% General Insurance 7 5 71% Life Insurance Basics 20 17 85% Life Insurance Policies 18 14 78% Life Insurance Provisions, Options and Riders 18 15 83% Annuities 14 11 79% Tax Considerations 12 9 75% Qualified Plans 6 5 83% Score: 80% Grade: Pass (A total score of 70 percent is required to pass)
Note that the section percentages will not average out to your total percentage score. That is because individual exam outline sections are allocated different numbers of questions on the exam. Your total percentage score is computed by dividing the number of questions you answered correctly by the total number of questions in the exam. The total score is not computed by adding the section percentages and dividing by the total number of sections.
Prometric electronically notifies the Department of exam results within two business days of the exam date. Exam scores are confidential and will be revealed only to you and the Department. After you pass your exam, allow 2-3 business days for your score to be uploaded to NIPR. You must apply by going to www.nipr.com. Select “Apply for License.”
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Duplicate score report. You may call or write to Prometric to request a duplicate of your score report for a period of one year after an exam at no cost. Direct any questions or comments about your exam to Prometric.
Prometric’s goal is to provide a quality examination and a pleasant testing Appeals experience for every candidate. If you would like to submit an appeal concerning Process examination content, registration, scheduling or test administration (testing site procedures, equipment, personnel, etc.), please submit an appeal by visiting www.prometric.com/contactus and under “Contact Us To…” clicking on “Request an Appeal”.
Once submitted you will receive an email response within 20 days indicating whether your appeal has been approved.
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Applying for Your License
This section offers information about: . Applying for your license. . Continuing education. Issuance of a license depends on review and approval of all license application materials. Licensing requirements and information may be obtained from the Department’s website at http://www.ct.gov/cid, select “ Licensing.” After passing the appropriate pre-licensure course and license exam (if required), you will need to submit a number of items to the Department depending on the type of license you are seeking. Exam is valid for two years. You must apply online within two years of passing your exam or you will be required to retake the exam.
Insurance An Insurance Producer (Limited Lines and Standard Lines) is any person who or Producer which is licensed to solicit, negotiate, or sell insurance. An Insurance Producer must be appointed by an insurer to act as an agent of such insurer. (CGS 38a- License 702m) Resident and Nonresident licensees of the Connecticut Insurance Information Department may apply for their initial license via the National Producer Registry (NIPR) at http://www.nipr.com/. Paper applications will not be accepted at the Department. Direct any questions or concerns to the Department by email to [email protected].
Pre-licensure course completion certificate and passing exam score report will be verified by the Department, and these documents are not required to be sent.
If you are exempt from the license exam, you must apply on the Department’s website at https://cidonline.ct.gov/lit/CTLicensingTask.jsp. Select “Online Application for Individuals – Producer.” Email your currently dated Letter of Designation from your society to the Department at [email protected], referencing your full name and application number.
Application and licensing fees are: $140 – Initial fee (individuals) $130 – Initial fee (business entities) $130 – Reinstatement/Amendment fee $160 – Renewal fee $160 – Late Renewal fee for a total of $320 *There is no prorating of fees. License fees are non-refundable.
Insurance Producer licenses are issued for two years and expire on the licensee’s birth month.
For new licensees, this may mean that the first license cycle is not a full two years. For example, if the license was issued on May 10, 2017, and the insurance producer’s last birthday was December 4, 2016, then the expiration date of the license will be December 31, 2018. Once the license renews on December 31, 2018, it will not expire again until December 31, 2020.
A Managing General Agent license is not required in this state; however, an Insurance Producer license is required, as well as an appointment from the insurer party to the Agreement. The insurer must also complete and submit the 20 CONNECTICUT DEPARTME NT OF INSURANCE
Notification of Managing General Agent Agreement form. Insurers should consult their Legal Divisions regarding Connecticut’s definition of Managing General Agent. (CGS 38a-90) Reciprocity for Insurance Producers Residents. After meeting any applicable pre-license education and/or examination requirements, you must apply online at http://www.nipr.com/. Select “Apply for License.” Nonresidents. Any applicant for a Limited Lines Insurance Producer license or a Standard Lines Insurance Producer license must hold an active “resident” license in good standing in their “home” state prior to applying for licensure in Connecticut. Such home state must be reciprocal with Connecticut. Home state licensure will be verified on the National Producer Database. You must apply online at http://www.nipr.com/. Select “Apply for License.”
“Home state” means any state or territory of the United States, including the District of Columbia, in which an insurance producer maintains its/their principle place of residence or principal place of business, and is licensed to act as an insurance producer. Amendments for Insurance Producer Licensees Residents: To add a line, or lines, of authority to a current license, all pre-license and examination requirements must be met. You may amend your lines of authority online at http://www.nipr.com/. Select “Add Line of Authority.” Nonresidents: You must hold equivalent lines of authority in your “home” state. You must amend your lines of authority online at http://www.nipr.com/. Select “Add Line of Authority.”
Note If you need to amend your license and are within the renewal window (90 days prior to your license expiration date) you must renew your existing license prior to adding any new line of authority. If you try to add a new line of authority prior to renewing your license, the application will be rejected.
Appointment Requirements for Insurance Producer Licensees Appointments cannot be requested until an active Connecticut Insurance Producer license is in place. Appointing insurers must then submit appointment requests, electronically, in accordance with section 38a-702m of the Connecticut General Statutes. The Notice of Appointment must be filed with the Commissioner no later than 15 days after the date the agency contract is executed or the first insurance application is submitted. Renewals for all Insurance Producer Licensees Your Insurance Producer license expires on your birth month every two years. Renewal notifications are emailed to the email address on file approximately 90 days prior to the license expiration/birth month. If you need to verify/update your address and/or email information, go to the Department’s website at http://www.ct.gov/cid/cwp/view.asp?a=1266&Q=405280.
To keep the license active, you must renew online at http://www.nipr.com/. Select “Renew.” Residents must also complete their CE requirement before the expiration date. See Continuing education requirements below.
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Business entity Insurance Producer licenses expire January 31 of every even- numbered year.
Note Individual Insurance Producers that fail to pay the renewal fee and complete the CE requirement (Residents ONLY) by the license expiration date, your license and all appointments will cancel. To reinstate the license for up to one (1) year after the expiration, you will be required to complete the CE requirement (Residents ONLY) and pay a late fee of $160, for a total of $320 plus the NIPR transaction fee. Apply through www.nipr.com. Select “Renew.”
After one (1) year, residents will be required to complete pre-licensing education and pass the licensing exam, prior to submitting the reinstatement application. The reinstatement fee is $130 plus the NIPR transaction fee. Apply through www.nipr.com. Select “Apply for License.”
Business Entity Insurance Producers that fail to pay the renewal fee by the license expiration date, the license and all appointments will cancel. There is no grace period for payments. To reinstate the license for up to one (1) year after expiration you will be required to pay a late fee of $160, for a total of $320 plus the NIPR transaction fee. Apply through www.nipr.com. Select “Renew.”
After one (1) year, you will be required to submit the reinstatement application. The reinstatement fee is $130 plus the NIPR transaction fee. Apply through www.nipr.com. Select Apply for License.”
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Insurance Travel: P.A.- C.G.S. 38a-398- The statute defines "designated travel retailers" as Producer: business entities that arrange or offer travel services and are designated by a duly licensed limited lines insurance producer to offer and disseminate travel insurance Travel to residents of Connecticut on such producer's behalf.
Information Public Act No. 17- (New) - entities operating using designated travel retailers. This is a new type of license created under C.G.S 38a-398 and became available October 1, 2017. Changes to the Licensing Requirements Applicable to Individuals and Business Entities Marketing Travel Insurance Products: Bulletin L-22
Application and licensing fees are: Initial: $750 Renewal: $650 Late Fee: $1300 Reinstatement: $750 No Pro-Rating, non-refundable $100 application fee
Duration: Business Entities: Two (2) years. Expires January 31st every EVEN year. Individual: Two (2) years. Expires Birth Month every OTHER year Initial Applications: Apply at National Insurance Producer Registry (NIPR). Select “Apply for License.” Renewal: Renewal notices are EMAILED about 90 days before the expiration date. Apply at National Insurance Producer Registry (NIPR). Select “Renew.” Reinstatement Applications: To reinstate the license for up to one (1) year after expiration, you will be required to pay a late fee of $650.00, for a total of $1,300.00. Apply at National Insurance Producer Registry (NIPR). Select “Renew.” After one (1) year, you will be required to complete the reinstatement application fee with $750.00 fee. Apply at National Insurance Producer Registry (NIPR). Select “Apply for a License.”
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Information for Licenses other than Insurance Producer include Property & Casualty Claim All Other Adjusters, Certified Insurance Consultants, Fraternal Agents, Life Settlement Brokers, Motor Vehicle Physical Damage Appraisers, Portable Electronics, Public Licenses Adjusters, Reinsurance Intermediaries, Surplus Lines Brokers, and Third Party Administrators All licenses are issued with a current date. The expiration date depends on the license type, regardless of when the license is issued. *There is no prorating of fees. License fees are non-refundable. Property & Casualty Claims Adjuster Property & Casualty Claims Adjuster is any person (individual or business entity) who or which adjusts casualty claims for any insurance company, firm or corporation engaged in the adjustments of casualty claims. A Property & Casualty Claims Adjuster license is not required to adjust fire, life, or accident/health claims, nor for a licensed and appointed Insurance Producer involved in settling property damage claims not exceeding $1,500; nor for any member of the bar of this state, in good standing, engaged in the general practice of law. “General practice of law” means “private practice” or “general practitioner.” Attorneys engaged in the general practice of law refers to individuals admitted to practice law in Connecticut who do not engage in the settlement of insurance claims as a vocation and whose activities, with regard to the settlement of insurance claims, is only incidental to their law practice. Licensees who do not take the Connecticut exam, are restricted in Connecticut to the authority granted them by such other state. (CGS 38a-792) Resident and Non-resident Individual and Business Entity must apply online at http://www.nipr.com/. Select “Apply for License.” Initial, reinstatement and amendment fee: $130*. License expires on June 30 of each odd-numbered year. No pre-licensure course required. Exam score reports are valid for two years. Connecticut will issue Non-Resident Designated Home State (DHS) status to an individual who resides in a state with no Adjuster licensing. After passing the exam, apply at www.nipr.com. Select “Apply for License.” Renewal notices are EMAILED about 90 days before the expiration date. Apply at www.nipr.com. Select “Renew.” After June 30th each ODD year, reinstate the license, by going to www.nipr.com. Select Apply for License.” *There is no prorating of fees. License fees are non-refundable. Certified Insurance Consultant A Certified Insurance Consultant is any person who or which, for a fee, engages in the business of offering any advice, counsel, opinion, or service with respect to the benefits, advantages, or disadvantages promised under any policy of insurance that could be issued in this state. If performing any of the activities outlined above, a Certified Insurance Consultant license is required prior to using the titles Certified Insurance Consultant, Certified Insurance Advisor, Certified Insurance Specialist, Certified Insurance Counselor, Certified Insurance Analyst, Certified Policyholders’ Advisor, Certified Policyholders’ Counselor, or any other similar titles. (CGS 38a-731)
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Individual and Business Entity must apply online at www.nipr.com. Select “Apply for License.” Initial, reinstatement and amendment fee: $300*. License expires on September 30 of each odd-numbered year. No pre-licensure course required. Exam score reports are valid for two years. Renewal notices are EMAILED about 90 days before the expiration date. Apply at www.nipr.com. Select “Renew.” After September 30 each ODD year, reinstate the license, by going to www.nipr.com. Select “Apply for License.” *There is no prorating of fees. License fees are non-refundable. Fraternal Agent A Fraternal Agent is any authorized agent of a Fraternal benefit society who acts as such in the solicitation, negotiation, or procurement or making of a life insurance, accident, health and sickness insurance, or annuity contract. (CGS 38a- 764)
Individual must apply online at www.nipr.com. Select “Apply for License.” A separate application is required for each Fraternal Society an agent wishes to represent. Application must be signed by the Fraternal Society’s authorized signatory and submitted to the Insurance Department by the Society. Initial and reinstatement fee (individual only): $130*. License expires on December 31 of each odd–numbered year. No pre-licensure course or examination required. Renewal notifications are EMAILED directly to the Fraternal Society and NOT the licensee about 90 days prior to the expiration date.
*There is no prorating of fees. License fees are non-refundable. Life Settlement Broker A Life Settlement Broker is any person who, on behalf of an owner and for a fee, commission or other valuable consideration, offers or attempts to negotiate life settlement contracts between an owner and one or more providers. “Broker” does not include an attorney, certified public accountant or financial planner accredited by a nationally recognized accreditation agency retained to represent the owner, whose compensation is not paid directly or indirectly by a provider or any other person except the owner. (CGS 38a-465)
Individual and Business Entity must apply online at https://cidonline.ct.gov/lit/CTLicensingTask.jsp. Initial and reinstatement fee: $66*. License expires on March 31 of each year. No pre-licensure course or examination required. Go to the Department’s website to verify if you need a Life Settlement Broker license or Life Settlement Registration.
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Renewal forms are EMAILED about 90 days prior to the expiration date. The completed form and fee must be sent directly to the Department. *There is no prorating of fees. License fees are non-refundable. Life Settlement Registration A Life Settlement Broker is any person who, on behalf of an owner and for a fee, commission or other valuable consideration, offers or attempts to negotiate life settlement contracts between an owner and one or more providers. “Broker” does not include an attorney, certified public accountant or financial planner accredited by a nationally recognized accreditation agency retained to represent the owner, whose compensation is not paid directly or indirectly by a provider or any other person except the owner. (CGS 38a-465)
Residents:
An insurance Producer, with a Life line of authority, who has been duly licensed as a resident insurance Producer in Connecticut, for not less than one year, may submit the Life Producer Registration form.
Non-Residents:
An insurance Producer, with a Life line of authority, who has been duly licensed in their home state, for not less than one year, and is licensed as a non-resident Producer in Connecticut may submit the Life Producer Registration form.
Registration Filing Requirements:
Individual must submit the registration form and fee no later than thirty (30) days from the first day of operating as a Life Settlement Broker.
Registration is not required for individuals who hold an active Life Settlement Broker license in Connecticut.
At this time, an electronic process via NIPR or the Connecticut Insurance Department website is NOT available for the initial/reinstatement applications. No credit card payments are acceptable. Make checks payable to: “Treasurer, State of Connecticut.”
*There is no prorating of fees. License fees are non-refundable.
Managing General Agents (MGA) Each person (individual or business entity) entering into a Managing General Agent agreement must hold an active Connecticut Producer license and an active appointment from the insurer (authorized to conduct business in Connecticut) party to the agreement. (CGS 38a-90)
Managing General Agent Agreement Motor Vehicle Physical Damage (MVPD) Appraiser A Motor Vehicle Physical Damage Appraiser is any person who or which practices as a business the appraising of damages to motor vehicles insured under automobile physical damage policies or on behalf of third-party claimants. (CGS 38a-790)
Individual and Business Entity must apply online at www.nipr.com. Select “Apply for License.” 26 CONNECTICUT DEPARTME NT OF INSURANCE
Initial and reinstatement fee: $130*. License expires on June 30 of each odd-numbered year. No pre-licensure course required. To obtain Study Material, go to the Department’s website at http://www.ct.gov/cid/cwp/view.asp?a=1266&Q=481380. MVPD Appraiser license requires a two (2) part exam: Written and Practical**. Residents and Designated Home State (DHS) candidates are required to pass both written and practical exams. Once you have passed the written exam, you must contact South End Auto Body, Inc. to schedule the practical exam. South End Auto Body, Inc. 676 Cromwell Avenue, Rocky Hill, CT 06067, Phone: (860) 529-7426. Exam score reports are valid for two years. After passing both exams, apply through www.nipr.com. Select “Apply for License.”
**Practical exam: After applicants pass the written exam, a practical exam is also required for Connecticut residents. Refer to the exam score report for information on the practical exam. Anyone who takes the CT exam, whether a resident or not, will either be considered a CT resident or non-resident DHS. Renewal notices are EMAILED about 90 days before the expiration date. Apply at www.nipr.com. Select “Renew.” After June 30th each ODD year, reinstate the license, by going to www.nipr.com. Select Apply for License.” *There is no prorating of fees. License fees are non-refundable.
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Portable Electronics (Business Entity Only) Portable Electronics – Insurance for the repair or replacement of a portable electronic device because of loss, theft, mechanical failure, malfunction, damage or other similar causes of loss. It does NOT include:
An extended warranty, as defined in section 42-260 of the general statutes, as amended by this act.
An insurance policy covering a seller’s or manufacturer’s obligations under a warranty.
Or a homeowners, renter’s or other insurance policy that includes coverage similar to portable electronics insurance.
(CGS 38a-397)
Business Entity must submit the completed Portable Electronic License paper application with a payment.
Make check or money order payable to: “Treasurer, State of Connecticut.”
Initial and reinstatement fee: $600.
License expires every January 31st each EVEN year
Renewals applications are EMAILED about 90 days before the expiration date. The department does NOT accept online renewals for this license type.
After January 31st every EVEN year, reinstate the license by submitting the completed Portable Electronic License paper application with a payment. Public Adjuster A Public Adjuster is any person who or which practices as a business the adjusting of loss or damage by fire or other hazard under any policies of insurance on behalf of the insured under such policies, or who or which advertises, solicits, or engages in such business as a Public Adjuster. Lawyers settling claims of clients shall not be deemed to be Public Adjusters. (CGS 38a-723)
Individual and Business Entity must apply online at www.nipr.com. Select “Apply for License.” Initial and reinstatement fee: $300*. License expires on April 30 of each even-numbered year. Pre-license (Property) course is required: 40 hours. Courses and exam score reports are valid for two years. Renewal notices are EMAILED about 90 days before the expiration date. Apply at www.nipr.com. Select “Renew.” After April 30th each EVEN year, reinstate the license, by going to www.nipr.com. Select Apply for License.” *There is no prorating of fees. License fees are non-refundable. Reinsurance Intermediary (Broker or Manager) A Reinsurance Intermediary Broker is any person who or which solicits, negotiates, or places reinsurance cessions or retrocessions on behalf of a ceding insurer without the authority or power to bind reinsurance on behalf of such insurer. (CGS 38a-760b [a]). A Reinsurance Intermediary Manager is any person
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who or which has authority to bind, or manages all or part of the assumed reinsurance business of a reinsurer, and acts as an agent for such reinsurer. (CGS 38a-760b [b])
Individuals and Business Entity must apply online at https://cidonline.ct.gov/lit/CTLicensingTask.jsp Initial and reinstatement fee: $675*. License expires on December 31 of each even-numbered year. No pre-licensure course or examination required. Renewal forms are EMAILED about 90 days prior to the expiration date. The completed form and fee must be sent directly to the Department. *There is no prorating of fees. License fees are non-refundable.
Note: If business is conducted through a business entity, only the business entity should apply. A designee list must accompany the application. Separate licenses are required for one to act as a Broker and as a Manager. Nonresident applicants must complete the appropriate power of attorney: Power of Attorney (Corporation) available at http://www.ct.gov/cid/lib/cid/paletternonrescorp_reinsinterm. pdf Power of Attorney (Business Entity – Other than Corp) available at http://www.ct.gov/cid/lib/cid/paletternonrescorp_reinsinterm. pdf Power of Attorney (Individual) available at https://portal.ct.gov/- /media/CID/PANonResINDReinsIntermpdf.pdf?la=en
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Surplus Lines Broker A Surplus Lines Broker is any person who or which procures, from insurers not authorized to transact business in this state, policies of insurance against loss from any contingency as provided by the state insurance laws. (CGS 38a-794) Individual or Business Entity may apply on online at http://www.nipr.com/. Select “Apply for License. Initial and reinstatement fee: $675. License expires on September 30 of each even-numbered year. No pre-licensure course required. Exam score reports are valid for two years. Renewal notices are EMAILED about 90 days before the expiration date. Apply at www.nipr.com. Select “Renew.” After September 30th each EVEN year, reinstate the license, by going to www.nipr.com. Select Apply for License.”
Note: Resident applicants must hold an active Property/Casualty Insurance Producer license in Connecticut.
*There is no prorating of fees. License fees are non-refundable.
Surety Bail Bond Agent A Surety Bail Bond Agent is any person who or which has been approved by the Insurance Commissioner and appointed by an insurer by power of attorney to execute or countersign bail bonds for the insurer in connection with judicial proceedings. (CGS 38a-660) Application available at https://portal.ct.gov/CID/Fraud/Bail-Bonds-Regulation Initial fee: $250 Renewal fee: $100 Assessment fee: $450 due on or before January 31 each year. License expires on January 31 of each even-numbered year. Pre-licensure course is required: 25 hours. Exam score report and pre-licensing course certificate are valid for one year.
Note: More information about Surety Bail Bond Agent licensing requirements is available online at http://www.ct.gov/cid/cwp/view.asp?a=1259&Q=487778 . In accordance with Connecticut General Statute 38a-660, any applicant for a license to act as a Surety Bail Bond Agent must successfully complete a pre- license course requirement and pass the corresponding exam.
CGS 38a-660 states that any person who solicits or negotiates Surety Bail Bonds without a license shall be guilty of a Class D Felony. Any person who has been convicted of a felony; or a misdemeanor if an element of the offense involves dishonesty or misappropriation of money or property; or a misdemeanor under section 21a-279, 53a-58, 53a-61, 53a-61a, 53a-62, 53a-63, 53a-96, 53a-173, 53a-175, 53a-176, 53a-178 or 53a-181d, is ineligible for a Surety Bail Bond Agent license.
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Individual Applicants Pre-license education requirements must be met through a course provider approved by the Department. A current list of approved providers may be obtained on Page 6-7 of this handbook or by going to the Department’s website at http://www.ct.gov/cid/cwp/view.asp?a=1259&Q=487778. This list is subject to change.
To apply for an Individual Surety Bail Bond license, you must: 1 Register for an approved pre-licensing course. 2 Upon successful completion of the pre-licensing course, applicant must contact Prometric at 800.341.3257 to schedule a bail bond exam.
Note Individuals who fail the bail bond exam must wait 60 days before scheduling another exam.
3 After receiving a passing grade on the bail bond exam, submit the following documents to the Department:
Original completed and signed Individual Surety Bail Bond Agent License Application. One recent passport-sized, full-faced photo. Original pre-license course completion certificate. Original examination score report showing a passing grade. Copy of Birth Certificate evidencing that applicant is a citizen and at least 18 years of age; or, if applicant is a naturalized citizen, a letter from the U.S. Citizenship and Immigration Services office attesting to naturalization, and evidence of age. A credit bureau report from one of the three credit bureaus (Experian, Trans Union or Equifax), dated within ninety days of the application signature date. Check payable to “Treasurer, State of Connecticut” in the amount of $250 for first-time applicant or reinstatement. State of Connecticut Insurance Department Fraud and Investigations Unit P.O. Box 816 Hartford, CT 06142-0816 Phone: 860.297.3844 4 After submitting the above documents to the Insurance Department, submit a second passport-sized photo, along with a photocopy of the signed application and photocopy of the check, to:
Division of Criminal Justice Office of the Chief State’s Attorney Civil Litigation Bureau /Bond Forfeiture Unit 300 Corporate Place Rocky Hill, CT 06067
Note All individuals applying for a Surety Bail Bond Agent license must submit to a background investigation. (CGS 38a-660)
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Background Check (Individual applicants only) All individual applicants for a Surety Bail Bond Agent license must submit to a background investigation. Once the Bond Forfeiture Unit receives a copy of the application packet, they will notify you in writing with instructions for scheduling an interview and fingerprinting. NOTE: The Applicant is responsible for all fees incurred.
After the Bond Forfeiture Unit receives your background check, the results will be recorded and mailed to the Department’s Fraud and Investigations Unit. The Division will review your application and will either approve or reject it. If approved, your photo I.D. will be mailed to your resident address.
Note To execute bail bonds, you must first obtain an appointment from each insurance company you wish to solicit or negotiate such undertakings on behalf of, pursuant to CGS 38a-660. Individuals and business entities require insurance company appointments.
Bail agents must continue to meet all requirements as set forth in Connecticut General Statutes and Supporting Regulations.
Agents are required to provide written notice to the Commissioner, within 30 days, regarding changes to: business name, principal business address and telephone number, personal name, residence address and phone number, bankruptcy proceeding in this or another state, and any administrative action or order entered against the agent in this or another state.
Agents are also required to provide written notice to the Commissioner, within five days, regarding any arrest for or conviction of a disqualifying offense in this state or an offense in any other state for which the essential elements are substantially the same as a disqualifying offense. Business Entity Applicants All names used to conduct bail bond business require licensure in Connecticut. This includes any legal entity or business trade name, including sole proprietorships, partnerships, corporations, limited liability companies, and limited liability partnerships. 1 Submit the following documents to the Department: Original Business Entity Surety Bail Bond Agent License Application with required supporting documentation. Check for $250 payable to “Treasurer, State of CT.” 2 Immediately submit a photocopy of the application and a photocopy of the check to the Division of Criminal Justice. (See address above.)
Note All bail bond business entities must have an officer, partner or director that is licensed as a Connecticut Surety Bail Bond Agent. Rental Car Company Permit
Any person transacting business in this state under the terms of a rental office or by preselection of coverage in a master rental agreement. (CGS 38a-799)
Submit the completed Rental Car Permit paper application with payment.
Make check or money order payable to “Treasurer, State of Connecticut.” 32 CONNECTICUT DEPARTME NT OF INSURANCE
The Department does NOT accept online applications for this license type.
Initial and Reinstatement fee $80.
License expires January 31st every EVEN year.
Renewal fee $80.
Renewal applications are EMAILED about 90 days before the expiration date. The Department does NOT accept online renewals for this license type.
After January 31st every EVEN year, reinstate the license, by submitting the completed Rental Car Permit paper application with payment.
*There is no prorating of fees. License fees are non-refundable.
Title Agent An insurance policy that covers the loss of ownership interest in a property due to legal defects and is required if the property is under mortgage. The most common type of title insurance is a lender’s title insurance, which is paid for by the borrower but protects only the lender. (CGS 38a-402)
Connecticut Insurance Department does NOT license title agents. Only Connecticut licensed attorneys are eligible to write Title Insurance.
Other License Categories Portable Electronics - insurance coverage for the repair or replacement of a portable electronic device because of loss, theft, interoperability due to mechanical failure, malfunction, damage or other similar cases of loss. (CGS 38a-397) A Premium Finance Company is a person engaged in the business of entering into a premium finance agreement. Questions regarding licensure of Premium Finance Companies should be directed to the Financial Regulation Division. (CGS 38a-160) A Rental Car Company is any entity in the business of offering vehicles to the public that is licensed pursuant to CGS 14-15. All Car Rental Companies that offer insurance in conjunction with the rental of a vehicle, of the types specified in sub-section (b) (1-4) of the Statute cited below, must apply for and obtain a permit from the Department to transact business in this limited capacity. For more information send an email to [email protected]. (CGS 38a-799) A Title Agent insurance license is not issued in Connecticut. No person may act as a Title agent unless a Commissioner of the Connecticut Superior Court in good standing. (CGS 38a-402 [13] et esq) *There is no prorating of fees. License fees are non-refundable. Reciprocity for licenses other than Insurance Producer Applicants must hold an equivalent license in any other state or must meet any Connecticut pre-license requirements in place at the time of application. Your Connecticut exam score is valid for two years. After two years, you will have to retake the exam and reapply for a license.
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Amendments for licenses other than Insurance Producer Residents and Nonresidents: To add a line, or lines, of authority to a current license, all examination requirements must be met. Nonresidents must hold an equivalent license in any other state or meet all examination requirements. You must amend your lines of authority online at www.nipr.com. Select “Add Line of Authority.” Renewals for licenses other than Insurance Producer Renewal notices are emailed to the current email address on record with the Department to all active licensees approximately 90 days prior to the license expiration date and are due by the license expiration date.
Renewal fees are non-refundable.
Continuing Note There is no CE requirement for Property & Casualty Claim Adjusters, Education Certified Insurance Consultants, Fraternal Agents, Motor Vehicle Physical Damage Requirements Appraisers, Portable Electronic, Public Adjusters, Reinsurance Intermediary Brokers and Managers, Surplus Lines Brokers and Surety Bail Bond Agents.
Resident Individual Insurance Producers Only: All resident individual Insurance Producers with Standard Lines of authority must complete 24 credit hours of continuing education prior to their license expiration date. The 24 credit hours must include a minimum of six credit hours per authority category for each licensed line of authority. At least three of the 24 credit hours must cover Connecticut insurance law and regulations or ethics. Make sure you have completed all requirements outlined on your transcript. The “status” must read “Compliant” for all categories. You may not “drop” a line of authority during your renewal period (See C.G.S 38a-782-13).
All individual licensees must complete the 24 CE credit hours prior to their birth month expiration.
Prometric sends a notice of non-compliance letter 180 days and 60 days prior to the expiration date, if your CE requirement has not been completed.
Education Providers are required by law to submit Course completion information through Sircon within 15 days of the date the producer successfully completed the course. If a course is missing from your transcript, please contact the provider directly.
To view your CE transcript and find an approved course/provider: https://www.sircon.com/ComplianceExpress/NonSscrbEducation/index.j sp?nonSscrb=Y&sscrbid=9999. Dropping Lines of Authority You may NOT drop lines of authority during the renewal period. The authority held at the beginning of the current license period determines the CE requirement for that license period. For example, if an applicant is licensed for Life/Accident, Health and Sickness on March 3, 2018, and the authority was amended to add on Property/Casualty July 31, 2018, the licensee must complete three credits in Law/Regulation/Ethics, six credits in the Life/Accident, Health and Sickness category and 15 credits in any category.
Additionally, dropping one or more lines of authority does not reduce or change the CE requirement during the current license period.
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Continuing Education Authority Categories: Law/Regulations/Ethics (must have at least three credits in this category). Property/Casualty (includes Personal Lines). Life/Accident, Health and Sickness (includes Variable Life/Variable Annuities). Flood Exemption: Insurance Producers licensed for travel or credit ONLY do not have a CE requirement. Non-resident Insurance Producers do not have a CE requirement for Connecticut. Flood Requirements All resident Insurance Producers licensed with Property/Casualty or Personal Lines are required to complete a one-time, three-credit course on Federal Flood requirements. The three credits count toward the Property/Casualty requirement. A list of approved Flood courses is maintained on the Department’s website at http://www.ct.gov/cid/cwp/view.asp?a=1266&Q=378736. Life Settlement Brokers Only: Resident individuals who only have a Life Settlement Broker license must complete 15 hours of continuing education in the Life/Health category every two years. More information about Life Settlement Broker license and registration requirements are available on the Department’s website at https://cidonline.ct.gov/lit/CTLicensingTask.jsp. Reporting Credits The Department has contracted with Prometric LLC. to provide continuing education (CE) administrative services. Once you complete your course, it is the responsibility of the course sponsor to report credits to Prometric within 15 calendar days of the completion of the course. Sponsors are required to give applicants a course completion certificate — free of charge — for their records. CE status may be checked online at https://www.sircon.com/ComplianceExpress/NonSscrbEducation/index.j sp?nonSscrb=Y&sscrbid=9999 or you may call Prometric’s CE Department at 888.797.9776.
Note If you find that one or more of your courses are not showing on your transcript, please call the course sponsor directly. They should be able to provide specific details.
35 CONNECTICUT DEPARTME NT OF INSURANCE
Reporting Change of Name, Address or Employer Changes in Any changes to name, business or residence address, or employer must be reported within thirty (30) days of such change, pursuant to 38a-771(a) and Licensee 382-702(f) of the Connecticut General Statutes. Information Submission of changes must be made online at http://www.ct.gov/cid/cwp/view.asp?a=1266&Q=405280 If the Insurance Commissioner determines that a licensee has failed to timely inform the Department of a change in legal name or address, the Commissioner may impose a penalty pursuant to section 38a-771(c) of the general statutes. Notification of Administrative Action/Criminal Prosecution Licensees shall report to the Insurance Commissioner any administrative action taken against them in another jurisdiction or by another governmental agency (including FINRA) in this state, no later than 30 days after the final disposition of the matter, pursuant to CGS 38a-771(b), 38a-702(f) and 38a-702(o). The report shall include a copy of the order, consent to the order or other relevant legal documents.
No later than 30 days after the initial pretrial hearing date, licensees shall report to the Insurance Commissioner any criminal prosecution taken against them in any jurisdiction, pursuant to CGS 38 a-771(b) and 38a-702(o). The report shall include a copy of the initial complaint filed, the order resulting from the hearing and any other relevant legal documents.
If, upon investigation, the Insurance Commissioner determines that a licensee has failed to timely inform the Department of any administrative action/prosecution, the Insurance Commissioner may, following a hearing as specified in section CGS 38a-774, impose a fine upon and suspend or revoke the license of the insurance producer within 30 days.
You may add documents to the NIPR warehouse, by going to www.nipr.com. Select “Send Attachments Documents.”
Note It is imperative to update contact information (Name, Address, DBA and/or DLRP) within 30 days of any changes to ensure you receive your Department and renewal notices to avoid any penalties. See the “Reporting Changes in Licensee Information” section on Page 36 for more information. http://www.ct.gov/cid/cwp/view.asp?a=1266&Q=405280
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Exam Content Outlines
The following outlines give an overview of the content of each For example, 10 percent means that 10 questions will be of the Connecticut insurance examinations. Each examination drawn on a 100-question exam and 15 will be drawn on a will include questions on the subjects contained in the outline. 150-question exam. The percentages indicate the relative weight assigned to each An outline that includes more descriptive subsections for section of the examination. your exam is available online at www.prometric.com/connecticut/insurance.
Connecticut Producer's to issue or renew, Failure to maintain Examination for Life Insurance fines (38a-2, 702k, complaint record Series 18-01 735, 774, 777, 817, (38a-816(7)) 830) Unfair discrimination 100 questions - 2-hour time limit 1.2 State regulation (38a-816(12), (13)) Live Date September 1, 2019 Commissioner's general Rebating (38a- duties and powers (38a- 816(9), 825) 8, 10) 1.0 Insurance Regulation 10% Twisting (38a-826) 1.1 Licensing Company regulation Examination of books and Process (38a-702d, 702e, Certificate of authority records (38a-769(f)) 769) (38a-41) Connecticut Insurance Types of licensees (38a- Capital and surplus Information and Privacy 702f(a), 769) requirement (38a- Protection Act (38a- 72) 975–999a) Resident producers (38a-702d) Unfair claim 1.3 Federal regulation settlement practices Certified insurance (38a-816) Fair Credit Reporting Act consultants (38a- (15 USC 1681–1681d) 731–733, 786) Producer regulation Fraud and false statements Nonresident producers Controlled business (18 USC 1033, 1034) (38a-702g, 702n) (38a-782)
Temporary (38a- Commissions (38a- 702j) 702l, 734) 2.0 General Insurance 10% 2.1 Concepts Maintenance and duration Acting as an agent (38a-702m) Risk management key Renewal (38a- terms 702f(b)(c), 784, Representing an 786(b)) unauthorized insurer Risk (38a-275, 703, 714) Change in name or Exposure address (38a- Failure to remit 702f(f), 771(a)) premiums (38a- Hazard 712) Reporting of actions Peril Unfair and prohibited (38a-702o, 771(b)) Loss practices Assumed names Methods of handling risk (38a-702i) Misrepresentation (38a-816(1), (8)) Avoidance Continuing education requirements, False advertising Retention exemptions and (38a-816(1), (2)) penalties (Reg 38a- Sharing Defamation of insurer 782a-2, 10, 12-17) (38a-816(3)) Reduction Disciplinary actions Boycott, coercion and Transfer intimidation (38a- Cease and desist Elements of insurable risks order (38a-817) 816(4)) Adverse selection Hearings (38a-16, False financial 817, 818) statements (38a- Law of large numbers 816(5)) Suspensions, Reinsurance revocations, refusal
37 CONNECTICUT DEPARTME NT OF INSURANCE
Data breach Reasonable Regulation of variable expectations products (SEC, 2.2 Insurers FINRA and Indemnity Types of insurers Connecticut) (38a- Utmost good faith 433; Reg 38a-433- Stock companies 1–11) Representations/misre Mutual companies presentations 3.6 Premiums
Fraternal benefit Warranties Factors in premium societies determination Concealment Lloyd's associations Mortality Fraud Risk retention groups Interest Waiver and estoppel Private versus government Expense insurers Premium concepts Admitted versus 3.0 Life Insurance Basics 17% nonadmitted insurers Net single premium 3.1 Insurable interest Domestic, foreign and alien Gross annual premium 3.2 Personal uses of life insurers insurance Premium payment mode Financial status Survivor protection 3.7 Producer (independent rating responsibilities services) Estate creation Solicitation and sales Marketing (distribution) Cash accumulation presentations (Reg 38a- systems 819-32–39) Liquidity 2.3 Producers and general Advertising (Reg 38a- Estate conservation rules of agency 819-21–31) Life settlements (38a-465, Insurer as principal Life and Health 465a, 465f, 465g; Reg Insurance Guaranty Producer/insurer 38a-465-1–10) relationship Association (38a- 3.3 Determining amount of 859, 871(e)) Authority and powers of personal life insurance producers Illustrations (Reg Human life value approach 38a-819-58–69) Express Needs approach Policy summary (Reg Implied 38a-819-35(G)) Types of information Apparent gathered Buyer's guide (Reg 38a-819-35 2.4 Contracts Determining lump- Appendix) sum needs Elements of a legal Life insurance policy contract Planning for income cost comparison needs Offer and acceptance methods (Reg 38a- 819-35(F), 3.4 Business uses of life Consideration Appendix) insurance Competent parties Replacement (38a- Buy-sell funding 435) Legal purpose Key person Use and disclosure of Distinct characteristics of Executive bonuses insurance an insurance contract information (38a- Deferred compensation Contract of adhesion 988) split dollar Aleatory contract Field underwriting 3.5 Classes of life insurance Personal contract policies Notice of information practices (38a-979, Unilateral contract Group versus individual 981)
Conditional contract Permanent versus term Application procedures/Backdati Legal interpretations Participating versus ng (38a-442) affecting contracts nonparticipating Delivery Ambiguities in a Fixed versus variable life contract of adhesion insurance and annuities Policy review
38 CONNECTICUT DEPARTME NT OF INSURANCE
Effective date of Universal life Spendthrift clause coverage 4.4 Specialized policies 5.3 Settlement options Premium collection Joint life (first-to-die) Interest only Statement of good health Survivorship life (second- Fixed-period installments to-die) 3.8 Individual underwriting Fixed-amount installments Juvenile life by the insurer Life income 4.5 Group life insurance Information sources and Single life regulation Characteristics of group Joint and survivor Application plans 5.4 Nonforfeiture options Producer report Group underwriting requirements Cash surrender value Attending physician statement Conversion to individual Extended term policy (Bul S-4 (8 & 10)) Investigative Reduced paid-up insurance consumer 4.6 Credit life insurance (inspection) report (individual versus 5.5 Policy loan and (38a-982) group) withdrawal options
Medical Information Cash loans Bureau (MIB) 5.0 Life Insurance Policy Automatic premium loans Provisions, Options and Medical examinations Withdrawals or partial Riders 18% and lab tests surrenders including HIV (RL 5.1 Standard provisions 19a-583, 586) 5.6 Dividend options Ownership Selection criteria and Cash payment unfair discrimination Assignment (38a-455) (38a-446, 447) Reduction of premium Entire contract payments Classification of risks Modifications Accumulation at interest Preferred Right to examine (free One-year term option Standard look) (38a-436) Paid-up additions Substandard Payment of premiums 5.7 Disability riders Grace period Waiver of premium/waiver 4.0 Life Insurance Policies 18% Reinstatement of stipulated premium (universal life) 4.1 Term life insurance Incontestability Waiver of cost of insurance Level term Misstatement of age Disability income benefit Annual renewable Exclusions term Payor benefit life/disability Interest on insurance (juvenile insurance) Level premium term proceeds (38a-452) 5.8 Living benefit Decreasing term 5.2 Beneficiaries provisions/riders 4.2 Whole life insurance Designation options Accelerated (38a-457; Continuous premium Individuals Reg 38a-457-1–11) (straight life) Classes Conditions for Limited payment payment Estates Single premium Effect on death benefit Minors Graded premium Long-term care (Reg 38a- Trusts 458-1–12) Modified life Succession Conditions for Interest sensitive payment Facility of payment clause Equity index Effect on death benefit Revocable versus 4.3 Flexible premium irrevocable 5.9 Riders covering policies additional insureds Common disaster clause Adjustable life
39 CONNECTICUT DEPARTME NT OF INSURANCE
Spouse/other-insured term Equity indexed annuities Annuity phase and the rider exclusion ratio Market value adjusted Children's term rider annuities (modified Distributions at death guaranteed annuities) Family term rider (Reg 38a-433-12–22) Corporate-owned
5.10 Riders affecting the 6.5 Uses of annuities 7.4 Taxation of individual death benefit amount retirement accounts Lump-sum settlements (IRAs) Accidental death Qualified retirement plans Traditional IRAs Guaranteed insurability Group versus Contributions and Cost of living individual annuities deductible amounts
Return of premium Personal uses Premature distributions Individual retirement (including taxation accounts (IRAs) 6.0 Annuities 10% issues) 6.1 Annuity principles and Tax-deferred growth Annuity phase benefit concepts Retirement income payments Accumulation period Education funds Values included in the versus annuity period annuitant's estate 6.6 Senior Protection in Owner, annuitant and Annuity Transactions Amounts received by beneficiary (38a-432a-1–7 & 38a- beneficiary Insurance aspects of 432b-1-4) Roth IRAs annuities Contributions and 6.2 Immediate versus limits deferred annuities 7.0 Federal Tax Considerations for Life Insurance and Distributions Single premium immediate Annuities 10% 7.5 Rollovers and transfers annuities (SPIAs) 7.1 Taxation of personal life (IRAs and qualified insurance Deferred annuities plans) Amounts available to Premium payment 7.6 Section 1035 exchanges options policyowner
Nonforfeiture Cash value increases 8.0 Qualified Plans 7% Surrender and Dividends 8.1 General requirements withdrawal charges Policy loans Death benefits 8.2 Federal tax Surrenders considerations 6.3 Annuity (benefit) Amounts received by payment options Tax advantages for beneficiary employers and Life contingency options General rule and employees Pure life versus life exceptions Taxation of distributions with guaranteed Settlement options (age-related) minimum Values included in 8.3 Plan types, Single life versus insured's estate characteristics and multiple life purchasers 7.2 Modified endowment Annuities certain (types) contracts (MECs) Simplified employee pensions (SEPs) 6.4 Annuity products Modified endowment versus life insurance Profit-sharing and 401(k) Fixed annuities plans Seven-pay test General account SIMPLE plans assets Distributions 403(b) tax-sheltered Interest rate 7.3 Taxation of non- annuities (TSAs) guarantees qualified annuities (minimum versus current) Individually-owned
Level benefit payment Accumulation phase amount (tax issues related to withdrawals)
40 CONNECTICUT DEPARTME NT OF INSURANCE
Connecticut Producer's Certificate of authority 2.0 General Insurance 10% (38a-41) Examination for Accident and 2.1 Concepts Health Insurance Capital and surplus Risk management key Series 18-02 requirement (38a- terms 72) 100 questions - 2-hour time limit Risk Live Date September 1, 2019 Unfair claim settlement practices Exposure (38a-816) Hazard 1.0 Insurance Regulation 10% Producer regulation 1.1 Licensing Peril Controlled business Process (38a-702d, 702e, (38a-782) Loss 769) Commissions (38a- Methods of handling risk 702l, 734) Types of licensees (38a- Avoidance 702f(a), 769) Acting as an agent Retention Resident producers (38a-702m) (38a-702d) Sharing Representing an Certified insurance unauthorized insurer Reduction consultants (38a- (38a-275, 703, 714) 731–733, 786) Transfer Failure to remit Nonresident producers premiums (38a- Elements of insurable risks 712) (38a-702g, 702n) Adverse selection Unfair and prohibited Temporary (38a- Law of large numbers 702j) practices Reinsurance Maintenance and duration Misrepresentation (38a-816(1), (8)) Data breach Renewal (38a- 702f(b)(c), 784, False advertising 2.2 Insurers 786(b)) (38a-816(1), (2)) Types of insurers Change in name or Defamation of insurer address (38a- (38a-816(3)) Stock companies 702f(f), 771(a)) Boycott, coercion and Mutual companies Reporting of actions intimidation (38a- Fraternal benefit (38a-702o, 771(b)) 816(4)) societies
Assumed names False financial Lloyd's associations (38a-702i) statements (38a- 816(5)) Risk retention groups Continuing education requirements, Failure to maintain Private versus government exemptions and complaint record insurers penalties (Reg 38a- (38a-816(7)) 782a-2, 10, 12-17) Admitted versus Unfair discrimination nonadmitted insurers Disciplinary actions (38a-816(12), (13)) Domestic, foreign and alien Cease and desist Rebating (38a- insurers order (38a-817) 816(9), 825) Financial status Hearings (38a-16, Twisting (38a-826) (independent rating 817, 818) services) Examination of books and Suspensions, records (38a-769(f)) Marketing (distribution) revocations, refusal systems Connecticut Insurance to issue or renew, Information and Privacy fines (38a-2, 702k, 2.3 Producers and general Protection Act (38a- 735, 774, 777, 817, rules of agency 975–999a) 830) Insurer as principal 1.3 Federal regulation 1.2 State regulation Producer/insurer Fair Credit Reporting Act Commissioner's general relationship (15 USC 1681–1681d) duties and powers (38a- Authority and powers of 8, 10) Fraud and false statements producers (18 USC 1033, 1034) Company regulation Express
41 CONNECTICUT DEPARTME NT OF INSURANCE
Implied Private versus government (including HIV consent) (RL 19a- Apparent Limited versus 583, 586) comprehensive 2.4 Contracts Prohibited use of 3.4 Limited policies Elements of a legal genetic information contract Limited benefits (38a- (38a-816(19)) 482b, 513d) Offer and acceptance Unfair discrimination Required notice to insured (38a-488) Consideration 3.5 Common exclusions Classification of risks Competent parties from coverage (Reg Preferred Legal purpose 38a-505-7) Standard Distinct characteristics of 3.6 Producer an insurance contract responsibilities in Substandard individual health Contract of adhesion insurance 3.8 Considerations in replacing health Aleatory contract Marketing requirements insurance (38a-546; Reg 38a-505-11) Personal contract Advertising (Reg 38a- 819-1–20) Benefits, limitations and Unilateral contract exclusions Life and Health Conditional contract Insurance Guaranty Underwriting requirements Legal interpretations Association (38a- 859,871(e)) Producer liability for errors affecting contracts and omissions Sales presentations Ambiguities in a contract of adhesion Outline of coverage 4.0 Individual Health Insurance Reasonable (38a-505(f); Reg Policy General Provisions expectations 38a-505-10(B–K)) 7% Field underwriting Indemnity 4.1 Required provisions (38a-483(a)) Utmost good faith Nature and purpose Entire contract; changes Representations/misre Disclosure of (1) presentations information about individuals (38a- Time limit on certain Warranties 988) defenses (2) Concealment Application procedures Grace period (3) (38a-979, 981) Fraud Reinstatement (4) Requirements at Waiver and estoppel delivery of policy Claim procedures (5–9)
Common situations for Physical examinations and errors/omissions 3.0 Health Insurance Basics 8% autopsy (10) 3.1 Definitions of perils 3.7 Individual underwriting Legal actions (11) by the insurer Accidental injury Change of beneficiary (12) Underwriting criteria Sickness 4.2 Optional provisions Sources of underwriting (38a-483(b)) 3.2 Principal types of losses information and benefits Change of occupation (1) Application Loss of income from Misstatement of age (2) disability Producer report Other insurance in this Hospital/medical expense Attending physician insurer (3) statement Dental expense Insurance with other Investigative insurers Long-term care consumer expense/home health (inspection) report Expense-incurred care basis (4) Medical Information 3.3 Classes of health Bureau (MIB) Other benefits (5) insurance policies Medical examinations Unpaid premium (7) Individual versus group and lab tests Cancellation (8)
42 CONNECTICUT DEPARTME NT OF INSURANCE
Conformity with state Occupational versus Definition of disability statutes (9) nonoccupational coverage Waiting period 4.3 Other general provisions At-work benefits Disability income benefits
Right to examine (free Partial disability 5.7 Workers compensation look) (Reg 38a-505- benefit Eligibility 10(A)(7)) Residual disability Benefits Insuring clause benefit
Consideration clause Other provisions affecting income benefits 6.0 Medical Plans 25% Renewability clause (Reg 38a-505-9(A)) Cost of living 6.1 Medical plan concepts adjustment (COLA) Fee-for-service basis Noncancelable rider versus prepaid basis Guaranteed renewable Future increase option Benefit schedule versus (FIO) rider Conditionally usual/reasonable/custom renewable Relation of earnings to ary charges insurance (38a- Renewable at option Any provider versus 483(b)(6)) of insurer limited choice of providers Nonrenewable Other cash benefits (cancelable, term) Accidental death and Insureds versus subscribers/participants Military suspense provision dismemberment (Reg 38a-505-9(A)(5)) Rehabilitation benefit 6.2 Types of plans
Medical Major medical insurance reimbursement (indemnity plans) 5.0 Disability Income and benefit Related Insurance 7% Essential benefits (nondisabling injury) 5.1 Qualifying for disability Characteristics benefits Refund provisions Common limitations Inability to perform duties Return of premium Exclusions from Cash surrender value Own occupation coverage Exclusions Any occupation Provisions affecting Presumptive disability 5.3 Unique aspects of cost to insured individual disability Health Maintenance Requirement to be under underwriting physician care Organizations (HMOs) Occupational Essential benefits 5.2 Individual disability considerations income insurance General characteristics Benefit limits Connecticut minimum (HC-118) Policy issuance alternatives benefit standards (Reg Preventive care 38a-505-9(F)) 5.4 Group disability income services insurance Basic total disability plan Primary care physician Income benefits Short-term disability (STD) versus referral (monthly indemnity) (specialty) physician Long-term disability (LTD) Elimination and Emergency care 5.5 Business disability benefit periods insurance Hospital services Waiver of premium Key person disability Other basic services feature income Preferred provider Coordination with social Disability buy-sell policy organizations (PPOs) and insurance and workers point-of-service (POS) compensation benefits Business Overhead plans Expense (BOE) Additional monthly Essential benefits benefit (AMB) 5.6 Social Security disability General characteristics Social insurance supplement (SIS) Qualification for disability benefits
43 CONNECTICUT DEPARTME NT OF INSURANCE
In-network and out- Accountability Act) Dependent eligibility of-network provider requirements — including access domestic partners Eligibility and civil unions (Bul PCP referral Guaranteed issue IC-21) Indemnity plan Creditable coverage Spousal coverage features (38a-541) Renewability Connecticut children's Coordination of benefits health insurance plan Connecticut HIPAA provision (Reg 38a-480- (HUSKY) (RL 17b-289– Alternative-Health 1–14) 292a, 295, 297, 299, Reinsurance 300, 301, 301, 303, 304) Association Change of insurance companies or loss of High Deductible Health PPACA (Patient Protection coverage Plan and Affordable Care Act) No-loss no-gain 6.3 Cost containment in Essential benefits health care delivery Events that terminate No cost share on coverage Cost-saving services preventive Extension of benefits Preventive care (Reg 38a-546-5(a)) Hospital outpatient 7.0 Group Health Insurance Continuation of benefits 15% coverage under COBRA and Alternatives to 7.1 Characteristics of group Connecticut specific hospital services insurance rules (38a-512a , Utilization review Group contract 546; Reg 38a-546- 5(b)) Prospective review Certificate of coverage (38a-182) 7.5 Small employer medical Retrospective plans Experience rating versus Concurrent review community rating/ACA Definition of small 6.4 Connecticut rating/small groups employer (38a-564(4)) requirements 7.2 Types of eligible groups Benefit plans offered (individual and/or (38a-565, 568) group) Employment-related groups Health care center Eligibility requirements (HMO) plans Individual employer Dependent child age groups Small employer carrier limit (38a-497, plans 554; Bul HC-71) Associations (alumni, professional, other) Eligibility of employees Child enrollment; non- (38a-564(3)) custodial parents 7.3 Marketing (38a-497a) considerations Renewability (38a-567)
Physically or mentally Advertising 7.6 Regulation of employer handicapped group insurance plans dependents (38a- Regulatory 489, 515) jurisdiction/place of Civil Rights Act/Pregnancy delivery Discrimination Act Newborn child coverage (38a-490, 7.4 Employer group health Guidelines insurance 516 & PA-11-171) Relationship with Medicare Insurer underwriting Adopted and Medicare secondary criteria prospective adopted rules children (38a-508, Characteristics of 549) Medicare carve-outs group and supplements Benefit Plan design factors
Infertility coverage Persistency factors (38a-509, 536; Bul 8.0 Dental Insurance 3% HC-104, PA 17-55) Administrative 8.1 Types of dental capability 6.5 Federal Legislature treatment Eligibility for coverage HIPAA (Health Insurance Diagnostic and preventive Portability and Employee eligibility Restorative
44 CONNECTICUT DEPARTME NT OF INSURANCE
Oral surgery Part C — Medicare Employer group health Advantage plans Endodontics Part D — Prescription Drug Disabled employees Periodontics Insurance Employees with Prosthodontics 9.2 Medicare supplements kidney failure
Orthodontics Purpose Individuals age 65 or older 8.2 Indemnity plans Open enrollment (Reg Choice of providers 38a-495a-8) Medicaid
Benefit categories Standardized Medicare Eligibility supplement plans (Reg Diagnostic/preventive 38a-495a-6, 6(a)) Benefits services Core benefits ConnMAP Basic services Additional benefits 9.4 Long-term care (LTC) Major services insurance Connecticut regulations Deductibles and and required provisions Eligibility for benefits coinsurance Advertising (Reg 38a- Levels of care Combination plans 495a-15) Skilled care
Exclusions Standards for Intermediate care marketing (Reg Limitations 38a-495a-16) Custodial care
Predetermination of Permitted Home health care benefits compensation (Reg Adult day care 8.3 Employer group dental 38a-495a-12) expense Appropriateness of Respite care Integrated deductibles recommended Hospice care versus stand-alone plans purchase and excessive insurance Benefit periods Minimizing adverse (Reg 38a-495a-17) selection Benefit amounts Required disclosure provisions (Reg Optional benefits 38a-495a-13) Guarantee of 9.0 Insurance for Senior Citizens insurability and Special Needs Reporting of multiple Individuals 11% policies (Reg 38a- Return of premium 495a-18) 9.1 Medicare Qualified LTC plans Buyer's guide (38a- Nature, financing and 495a-13(a)(6)(A)) Exclusions administration Right to return (38a- Underwriting Part A — Hospital 495a-13(a)(5) considerations insurance Replacement (Reg Connecticut regulations Individual eligibility 38a-495a-14, 19) and required provisions requirements Benefit standards Standards for Enrollment (Reg 38a-495a-5 & marketing (Reg Coverages and cost- 38a-495a-5a) 38a-501-16) sharing amounts Pre-existing conditions Suitability of Part B — Medical insurance (38a-495a) recommended purchase (Reg 38a- Individual eligibility Outline of coverage 501-17) requirements (38a-495a(l)(1), (2); Reg 38a-495a- Shopper's guide (Reg Enrollment 13) 38a-501-18)
Coverages and cost- Plan offering to Outline of coverage sharing amounts disabled (38a-495c) (Reg 38a-501-21)
Exclusions 9.3 Other options for Non-forfeiture benefit individuals with offer (Reg 38a-501- Claims terminology Medicare 19) and other key terms
45 CONNECTICUT DEPARTME NT OF INSURANCE
Required disclosure Connecticut Producer's Certificate of authority provisions (Reg Examination for Life/Accident (38a-41) 38a-501-13) and Health Insurance Capital and surplus Replacement (Reg Series 18-03 requirement (38a- 38a-501-12, 22) 72) 150 questions - 2.5-hour time Right to return (Reg limit Unfair claim 38a-501-11(g)) Live Date September 1, 2019 settlement practices (38a-816) Inflation protection (Reg 38a-501-20) Producer regulation 1.0 Insurance Regulation 6% Connecticut Controlled business 1.1 Licensing Partnership for Long (38a-782) Term Care (Reg Process (38a-702d, 702e, Commissions (38a- 38a-475-1–6; RL 769) 17b-252) 702l, 734) Types of licensees (38a- Acting as an agent 702f(a), 769) (38a-702m) 10.0 Federal Tax Considerations Resident producers Representing an for Health Insurance 4% (38a-702d) unauthorized insurer 10.1 Personally-owned Certified insurance (38a-275, 703, 714) health insurance consultants (38a- Failure to remit 731–733, 786) Disability income insurance premiums (38a- 712) Medical expense insurance Nonresident producers (38a-702g, 702n) Unfair and prohibited Long-term care insurance Temporary (38a- practices 10.2 Employer group health 702j) Misrepresentation insurance Maintenance and duration (38a-816(1), (8)) Disability income (STD, False advertising LTD) Renewal (38a- 702f(b)(c), 784, (38a-816(1), (2)) Benefits subject to FICA 786(b)) Defamation of insurer Medical and dental Change in name or (38a-816(3)) expense address Boycott, coercion and Long-term care insurance Reporting of actions intimidation (38a- (38a-702o, 771(b)) 816(4)) Accidental death and dismemberment Assumed names False financial (38a-702i) statements (38a- 10.3 Medical expense 816(5)) coverage for sole Continuing education proprietors, partners requirements, Failure to maintain and limited liability exemptions and complaint record corporations penalties (Reg 38a- (38a-816(7)) 782a-2, 10, 12–17) 10.4 Business disability Unfair discrimination insurance Disciplinary actions (38a-816(12), (13))
Key person disability Cease and desist Rebating (38a- income order (38a-817) 816(9), 825)
Buy-sell policy Hearings (38a-16, Twisting (38a-826) 817, 818) Business Overhead Examination of books and Expense (BOE) Suspensions, records (38a-769(f)) revocations, refusal Connecticut Insurance 10.5 Health Savings to issue or renew, Information and Privacy Accounts (HSAs) fines (38a-2, 702k, Protection Act (38a- 735, 774, 777, 817, Definition 975–999a) 830) Eligibility 1.3 Federal regulation 1.2 State regulation Contribution limits Fair Credit Reporting Act Commissioner's general (15 USC 1681–1681d) duties and powers (38a- 8, 10) Fraud and false statements
(18 USC 1033, 1034) Company regulation
46 CONNECTICUT DEPARTME NT OF INSURANCE
2.0 General Insurance 6% Implied Types of information gathered 2.1 Concepts Apparent Determining lump- Risk management key 2.4 Contracts sum needs terms Elements of a legal Planning for income Risk contract needs Exposure Offer and acceptance 3.4 Business uses of life Hazard Consideration insurance
Peril Competent parties Buy-sell funding
Loss Legal purpose Key person
Methods of handling risk Distinct characteristics of Executive bonuses an insurance contract Avoidance Deferred compensation Contract of adhesion split dollar Retention Aleatory contract 3.5 Classes of life insurance Sharing policies Personal contract Reduction Group versus individual Unilateral contract Transfer Permanent versus term Conditional contract Elements of insurable risks Participating versus Legal interpretations nonparticipating Adverse selection affecting contracts Fixed versus variable life Law of large numbers Ambiguities in a insurance and annuities Reinsurance contract of adhesion Regulation of variable Data breach Reasonable products (SEC, expectations FINRA and 2.2 Insurers Connecticut) (38a- Indemnity 433; Reg 38a-433- Types of insurers Utmost good faith 1–11) Stock companies Representations/misre 3.6 Premiums Mutual companies presentations Factors in premium Fraternal benefit Warranties determination societies Concealment Mortality Lloyd's associations Fraud Interest Risk retention groups Waiver and estoppel Expense Private versus government Premium concepts insurers Net single premium Admitted versus 3.0 Life Insurance Basics 9% nonadmitted insurers 3.1 Insurable interest Gross annual premium
Domestic, foreign and alien 3.2 Personal uses of life Premium payment mode insurers insurance 3.7 Producer Financial status Survivor protection responsibilities (independent rating services) Estate creation Solicitation and sales presentations (Reg 38a- Marketing (distribution) Cash accumulation 819-32–39) systems Liquidity Advertising (Reg 38a- 2.3 Producers and general 819-21–31) rules of agency Estate conservation Life and Health Life settlements (38a-465, Insurer as principal Insurance Guaranty 465a, 465f, 465g; Reg Association (38a- Producer/insurer 38a-465-1–10) 858, 871(e)) relationship 3.3 Determining amount of Illustrations (Reg Authority and powers of personal life insurance 38a-819-58–69) producers Human life value approach Policy summary (Reg Express Needs approach 38a-819-35(G))
47 CONNECTICUT DEPARTME NT OF INSURANCE
Buyer's guide (Reg Annual renewable Exclusions 38a-819-35 term Appendix) Interest on insurance Level premium term proceeds (38a-452) Life insurance policy cost comparison Decreasing term 5.2 Beneficiaries methods (Reg 38a- 4.2 Whole life insurance Designation options 819-35(F), Appendix) Continuous premium Individuals (straight life) Replacement (38a- Classes 435) Limited payment Estates Use and disclosure of Single premium insurance Minors Graded premium information (38a- Trusts 988) Modified life Succession Field underwriting Interest sensitive Facility of payment clause Notice of information Equity index practices (38a-979, Revocable versus 981) 4.3 Flexible premium irrevocable policies Application Common disaster clause procedures/Backdati Adjustable life ng (38a-442) Spendthrift clause Universal life Delivery 5.3 Settlement options 4.4 Specialized policies Policy review Interest only Joint life (first-to-die) Effective date of Fixed-period installments coverage Survivorship life (second- to-die) Fixed-amount installments Premium collection Juvenile life Life income Statement of good Single life health 4.5 Group life insurance Joint and survivor 3.8 Individual underwriting Characteristics of group by the insurer plans 5.4 Nonforfeiture options
Information sources and Group underwriting Cash surrender value regulation requirements Extended term Application Conversion to individual policy (Bul S-4 (8 & 10)) Reduced paid-up insurance Producer report 4.6 Credit life insurance 5.5 Policy loan and Attending physician (individual versus withdrawal options statement group) Cash loans Investigative consumer Automatic premium loans 5.0 Life Insurance Policy (inspection) report Withdrawals or partial Provisions, Options and (38a-982) surrenders Riders 10% Medical Information 5.1 Standard provisions 5.6 Dividend options Bureau (MIB) Ownership Cash payment Medical examinations and lab tests Assignment (38a-455) Reduction of premium including HIV (RL payments 19a-583, 586) Entire contract Accumulation at interest Selection criteria and Modifications One-year term option unfair discrimination Right to examine (free (38a-446, 447) look) (38a-436) Paid-up additions
Payment of premiums 5.7 Disability riders
4.0 Life Insurance Policies 10% Grace period Waiver of premium/waiver 4.1 Term life insurance of stipulated premium Reinstatement (universal life) Level term Incontestability Waiver of cost of insurance
Misstatement of age Disability income benefit
48 CONNECTICUT DEPARTME NT OF INSURANCE
Payor benefit life/disability Pure life versus life Settlement options (juvenile insurance) with guaranteed minimum Values included in 5.8 Living benefit insured's estate provisions/riders Single life versus multiple life 7.2 Modified endowment Accelerated (38a-457; contracts (MECs) Reg 38a-457-1–11) Annuities certain (types) Modified endowment Conditions for 6.4 Annuity products versus life insurance payment Fixed annuities Seven-pay test Effect on death benefit General account Distributions Long-term care (Reg 38a- assets 458-1–12) 7.3 Taxation of non- Interest rate qualified annuities Conditions for guarantees payment (minimum versus Individually-owned current) Effect on death benefit Accumulation phase Level benefit payment (tax issues related 5.9 Riders covering amount to withdrawals) additional insureds Equity indexed annuities Annuity phase and the Spouse/other-insured term exclusion ratio rider Market value adjusted annuities (modified Distributions at death Children's term rider guaranteed annuities) Corporate-owned Family term rider (Reg 38a-433-12–22) 7.4 Taxation of individual 5.10 Riders affecting the 6.5 Uses of annuities retirement accounts death benefit amount Lump-sum settlements (IRAs)
Accidental death Qualified retirement plans Traditional IRAs
Guaranteed insurability Group versus Contributions and deductible amounts Cost of living individual annuities Personal uses Premature Return of premium distributions Individual retirement (including taxation accounts (IRAs) issues) 6.0 Annuities 5% Tax-deferred growth Annuity phase benefit 6.1 Annuity principles and payments concepts Retirement income Values included in the Accumulation period Education funds annuitant's estate versus annuity period 6.6 Senior Protection in Amounts received by Owner, annuitant and Annuity Transactions beneficiary beneficiary (38a-432a-1–7 & 38a- 432b-1-4) Roth IRAs Insurance aspects of annuities Contributions and limits 6.2 Immediate versus 7.0 Federal Tax Considerations deferred annuities for Life Insurance and Distributions Annuities 6% Single premium immediate 7.5 Rollovers and transfers annuities (SPIAs) 7.1 Taxation of personal life (IRAs and qualified insurance plans) Deferred annuities Amounts available to 7.6 Section 1035 exchanges Premium payment policyowner options Cash value increases Nonforfeiture 8.0 Qualified Plans 4% Dividends Surrender and 8.1 General requirements Policy loans withdrawal charges 8.2 Federal tax Death benefits Surrenders considerations
6.3 Annuity (benefit) Amounts received by Tax advantages for payment options beneficiary employers and employees Life contingency options General rule and exceptions
49 CONNECTICUT DEPARTME NT OF INSURANCE
Taxation of distributions Outline of coverage Entire contract; changes (age-related) (38a-505-13(d); (1) Reg 38a-505-10(B– 8.3 Plan types, K)) Time limit on certain characteristics and defenses (2) purchasers Field underwriting Grace period (3) Simplified employee Nature and purpose pensions (SEPs) Reinstatement (4) Disclosure of Profit-sharing and 401(k) information about Claim procedures (5–9) plans individuals (38a- Physical examinations and 988) SIMPLE plans autopsy (10) Application procedures Legal actions (11) 403(b) tax-sheltered (38a-979, 981) annuities (TSAs) Change of beneficiary (12) Requirements at delivery of policy 10.2 Optional provisions (38a-483(b)) 9.0 Health Insurance Basics 6% Common situations for 9.1 Definitions of perils errors/omissions Change of occupation (1)
Accidental injury 9.7 Individual underwriting Misstatement of age (2) by the insurer Sickness Other insurance in this Underwriting criteria insurer (3) 9.2 Principal types of losses and benefits Sources of underwriting Insurance with other information insurers Loss of income from disability Application Expense-incurred basis (4) Hospital/medical expense Producer report Other benefits (5) Dental expense Attending physician statement Unpaid premium (7) Long-term care expense/home health Investigative Cancellation (8) care consumer (inspection) report Conformity with state 9.3 Classes of health statutes (9) insurance policies Medical Information Bureau (MIB) 10.3 Other general Individual versus group provisions Medical examinations Private versus government and lab tests Right to examine (free (including HIV look) (Reg 38a-505- Limited versus consent) (RL 19a- 10(A)(7)) comprehensive 583, 586) Insuring clause 9.4 Limited policies Prohibited use of Consideration clause Limited benefits (38a- genetic information 482b, 513d) (38a-816(19)) Renewability clause (Reg 38a-505-9(A)) Required notice to insured Unfair discrimination (38a-488) Noncancelable 9.5 Common exclusions from coverage (Reg 9.8 Considerations in Guaranteed renewable 38a-505-7(G)) replacing health insurance (38a-546; Conditionally 9.6 Producer Reg 38a-505-11) renewable responsibilities in Renewable at option individual health Benefits, limitations and of insurer insurance exclusions Nonrenewable Marketing requirements Underwriting requirements (cancelable, term) Advertising (Reg 38a- Producer liability for errors Military suspense provision 819-1–20) and omissions (Reg 38a-505-9(A)(5)) Life and Health
Insurance Guaranty 10.0 Individual Health Insurance Association (38a- 11.0 Disability Income and 859, 871(e)) Policy General Provisions 4% Related Insurance 5% Sales presentations 10.1 Required provisions 11.1 Qualifying for (38a-483) disability benefits
50 CONNECTICUT DEPARTME NT OF INSURANCE
Inability to perform duties Cash surrender value Exclusions from coverage Own occupation Exclusions Provisions affecting Any occupation 11.3 Unique aspects of cost to insured individual disability Presumptive disability underwriting Health Maintenance Organizations (HMOs) Requirement to be under Occupational physician care considerations Essential benefits
11.2 Individual disability Benefit limits General characteristics income insurance (HC-118) Policy issuance alternatives Connecticut minimum Preventive care benefit standards (Reg 11.4 Group disability services 38a-505-9(F)) income insurance Primary care physician Basic total disability plan Short-term disability (STD) versus referral Income benefits Long-term disability (LTD) (specialty) physician (monthly indemnity) 11.5 Business disability Emergency care Elimination and insurance Hospital services benefit periods Key person disability Other basic services Waiver of premium income feature Preferred provider Disability buy-sell policy organizations (PPOs) and Coordination with social Business Overhead point-of-service (POS) insurance and workers plans compensation benefits Expenses (BOE) Essential benefits Additional monthly 11.6 Social Security benefit (AMB) disability General characteristics
Social insurance Qualification for disability In-network and out- supplement (SIS) benefits of-network provider access Occupational versus Definition of disability nonoccupational Waiting period PCP referral coverage Disability income benefits Indemnity plan At-work benefits features 11.7 Workers compensation Partial disability Connecticut children's benefit Eligibility health insurance plan (HUSKY) (RL 17b-289– Residual disability Benefits 292a, 295, 297, 299, benefit 300, 301, 303, 304) Other provisions affecting High Deductible Health 12.0 Medical Plans 10% income benefits Plan 12.1 Medical plan concepts Cost of living 12.3 Cost containment in adjustment (COLA) Fee-for-service basis health care delivery rider versus prepaid basis Cost-saving services Future increase option Benefit schedule versus (FIO) rider usual/reasonable/custom Preventive care ary charges Relation of earnings to Hospital outpatient insurance (38a- Any provider versus benefits 483(b)(6)) limited choice of Alternatives to providers Other cash benefits hospital services Insureds versus Accidental death and Utilization review subscribers/participants dismemberment Retrospective 12.2 Types of plans Rehabilitation benefit Prospective review Major medical insurance Medical (indemnity plans) reimbursement Concurrent review benefit Essential benefits 12.4 Connecticut (nondisabling injury) requirements Characteristics Refund provisions (individual and/or Common limitations group) Return of premium
51 CONNECTICUT DEPARTME NT OF INSURANCE
Eligibility requirements Employment-related Health care center groups (HMO) plans Dependent child age limit (38a-497, Individual employer Small employer carrier 554, Bul HC-71) groups plans
Child enrollment; non- Associations (alumni, Eligibility of employees custodial parents professional, other) (38a-564(3)) (38a-497a) 13.3 Marketing Renewability (38a-567(b)) Physically or mentally considerations handicapped 13.6 Regulation of dependents (38a- Advertising employer group insurance plans 489, 515) Regulatory Newborn child jurisdiction/place of Civil Rights Act/Pregnancy coverage (38a-490, delivery Discrimination Act 516 & PA-11-171) 13.4 Employer group health Guidelines insurance Adopted and Relationship with Medicare prospective adopted Insurer underwriting children (38a-508, criteria Medicare secondary 549) rules Characteristics of Benefit group Medicare carve-outs and supplements Infertility coverage Plan design factors (38a-509, 536; Bul HC-104, PA 17-55) Persistency factors 14.0 Dental Insurance 2% 12.5 Federal Legislature Administrative 14.1 Types of dental capability HIPAA (Health Insurance treatment Portability and Eligibility for coverage Diagnostic and preventive Accountability Act) Employee eligibility requirements Restorative Dependent eligibility Eligibility Oral surgery — including Guaranteed issue domestic partners Endodontics and civil unions (Bul Creditable coverage IC-21) Periodontics
Renewability Spousal coverage Prosthodontics (38a-541) Connecticut HIPAA Orthodontics Alternative-Health Coordination of benefits 14.2 Indemnity plans Reinsurance provision (Reg 38a-480- Association 1-14) Choice of providers PPACA (Patient Protection Change of insurance Benefit categories and Affordable Care Act) companies or loss of Diagnostic/preventive Essential benefits coverage services No cost share on No-loss no-gain Basic services preventive Events that terminate Major services coverage Extension of benefits Deductibles and 13.0 Group Health Insurance (Reg 38a-546-5(a)) coinsurance 7% 13.1 Characteristics of Continuation of Combination plans coverage under group insurance Exclusions COBRA and Group contract Connecticut specific Limitations rules (38a-512a, Certificate of coverage 546; Reg 38a-546- Predetermination of (38a-182) 5(b)) benefits Experience rating versus 13.5 Small employer 14.3 Employer group dental community rating/ACA medical plans expense rating/small groups Definition of small Integrated deductibles 13.2 Types of eligible employer (38a-564(4)) versus stand-alone plans groups Benefit plans offered Minimizing adverse (38a-565, 568) selection
52 CONNECTICUT DEPARTME NT OF INSURANCE
Required disclosure Optional benefits provisions (Reg 15.0 Insurance for Senior 38a-495a-13) Guarantee of Citizens and Special insurability Individuals Needs 7% Reporting of multiple policies (Reg 38a- Return of premium 15.1 Medicare 495a-18) Qualified LTC plans Nature, financing and Buyer's guide (Reg administration Exclusions 38a-495a- Part A — Hospital 13(a)(6)(A)) Underwriting insurance considerations Right to return (Reg Individual eligibility 38a-495a-13(a)(5) Connecticut regulations requirements and required provisions Replacement (Reg Enrollment 38a-495a-14, 19) Standards for marketing (Reg Coverages and cost- Benefit standards 38a-501-16) sharing amounts (Reg 38a-495a-5 & 38a-495a-5a) Suitability of Part B — Medical insurance recommended Pre-existing conditions purchase (Reg 38a- Individual eligibility (Reg 38a-495-5(a)) 501-17) requirements Outline of coverage Shopper's guide (Reg Enrollment (38a-495a(l)(1), 38a-501-18) (2); Reg 38a-495a- Coverages and cost- 13) Outline of coverage sharing amounts (Reg 38a-501-21) Plan offering to Exclusions disabled (38a-495c) Non-forfeiture benefit Claims terminology offer (Reg 38a-501- 15.3 Other options for and other key terms 19) individuals with Part C — Medicare Medicare Required disclosure Advantage provisions (Reg Employer group health 38a-501-13) Part D — Prescription Drug plans Insurance Replacement (Reg Disabled employees 38a-501-12, 22) 15.2 Medicare supplements Employees with Right to return (Reg Purpose kidney failure 38a-501-11(g))
Open enrollment (Reg Individuals age 65 or Inflation protection 38a-495a-8) older (Reg 38a-501-20)
Standardized Medicare Medicaid Connecticut supplement plans (Reg Eligibility Partnership for Long 38a-495a-6, 6(a)) Term Care (Reg Benefits 38a-475-1–6; RL Core benefits 17b-252) ConnMAP Additional benefits
15.4 Long-term care (LTC) Connecticut regulations insurance and required provisions 16.0 Federal Tax Considerations for Health Insurance 3% Eligibility for benefits Advertising (Reg 38a- 16.1 Personally-owned 495a-15) Levels of care health insurance
Standards for Skilled care Disability income insurance marketing (Reg 38a-495a-16) Intermediate care Medical expense insurance
Permitted Custodial care Long-term care insurance compensation (Reg Home health care 38a-495a-12) 16.2 Employer group health insurance Adult day care Appropriateness of Disability income (STD, recommended Respite care purchase and LTD) Hospice care excessive insurance Benefits subject to FICA (Reg 38a-495a-17) Benefit periods Medical and dental Benefit amounts expense
53 CONNECTICUT DEPARTME NT OF INSURANCE
Long-term care insurance Continuing education Failure to maintain requirements, complaint record Accidental death and exemptions and (38a-816(7)) dismemberment penalties (Reg 38a- 782a-2, 10, 12–17) Unfair discrimination 16.3 Business disability (38a-816(12), (13)) insurance Disciplinary actions Rebating (38a- Key person disability Cease and desist 816(9), 825) income order (38a-817) Twisting (38a-826) Buy-sell policy Hearings (38a-16, 817, 818) Examination of books and Business Overhead records (38a-769(f)) Expense (BOE) Suspensions, revocations, refusal Connecticut Insurance 16.4 Health Savings Information and Privacy Accounts (HSAs) to issue or renew, fines (38a-2, 702k, Protection Act (38a- Definition 735, 774, 777, 817, 975–999a) 830) Eligibility 1.3 Federal regulation 1.2 State regulation Contribution limits Fair Credit Reporting Act Commissioner's general (15 USC 1681–1681d)
duties and powers (38a- Fraud and false statements 8, 10) (18 USC 1033, 1034) Company regulation Connecticut Producer's Examination for Certificate of authority 2.0 General Insurance 9% Property/Casualty Insurance (38a-41) Series 18-04 2.1 Concepts Capital and surplus Risk management key 150 questions - 2.5-hour time requirement (38a- terms limit 72) Live Date September 1, 2019 Unfair claim Risk settlement practices Exposure (38a-816) 1.0 Insurance Regulation 10% Hazard Producer regulation 1.1 Licensing Peril Controlled business Process (38a-702d, 702e, (38a-782) Loss 769) Commissions (38a- Methods of handling risk Types of licensees (38a- 702l, 734) 702f(a), 769) Avoidance Acting as an agent Resident producers (38a-702m) Retention (38a-702d) Representing an Sharing Certified insurance unauthorized insurer Reduction consultants (38a- (38a-275, 703, 714) 731–733, 786) Transfer Failure to remit Nonresident producers premiums (38a- Elements of insurable risks (38a-702g, 702n) 712) Adverse selection Temporary (38a- Unfair and prohibited 702j) practices Law of large numbers
Maintenance and duration Misrepresentation Reinsurance (38a-816(1), (8)) Renewal (38a- 2.2 Insurers 702f(b)(c), 784, False advertising Types of insurers 786(b)) (38a-816(1), (2)) Stock companies Change in name or Defamation of insurer address (38a- (38a-816(3)) Mutual companies 702f(f), 771(a)) Boycott, coercion and Fraternal benefit Reporting of actions intimidation (38a- societies (38a-702o, 771(b)) 816(4)) Lloyd's associations Assumed names False financial (38a-702i) statements (38a- Risk retention groups 816(5))
54 CONNECTICUT DEPARTME NT OF INSURANCE
Private versus government Valued policy insurers 3.0 Property and Casualty 3.2 Policy structure Admitted versus Insurance Basics 13% nonadmitted insurers Declarations 3.1 Principles and concepts Domestic, foreign and alien Definitions Insurable interest insurers Insuring agreement or Underwriting Financial status clause (independent rating Function Additional/supplementary services) coverage Loss ratio Marketing (distribution) Conditions systems Rates Exclusions 2.3 Producers and general Types rules of agency Endorsements Loss costs Insurer as principal 3.3 Common policy Components provisions Producer/insurer Hazards relationship Insureds — named, first Physical named, additional Authority and powers of producers Moral Policy period
Express Morale Policy territory
Implied Negligence Cancellation and nonrenewal Apparent Elements of a negligent act Deductibles 2.4 Contracts Defenses against Other insurance Elements of a legal negligence contract Nonconcurrency Damages Offer and acceptance Primary and excess Compensatory — Consideration Pro rata special versus Competent parties general Contribution by equal shares Legal purpose Punitive Limits of liability Distinct characteristics of Absolute liability an insurance contract Per occurrence Strict liability (accident) Contract of adhesion Vicarious liability Per person Aleatory contract Causes of loss (perils) Aggregate — general Personal contract Named perils versus versus products — Unilateral contract special (open) perils completed operations Conditional contract Direct loss Split Legal interpretations Consequential or indirect affecting contracts loss Combined single
Ambiguities in a Blanket versus specific Restoration/nonreduction contract of adhesion insurance of limits
Reasonable Basic types of construction Coinsurance expectations Loss valuation Vacancy or unoccupancy Indemnity Actual cash value Named insured provisions Utmost good faith Replacement cost Duties after loss Representations/misre Functional Assignment presentations replacement cost Abandonment Warranties Market value Insurer provisions Concealment Agreed value Liberalization Fraud Stated amount Subrogation Waiver and estoppel
55 CONNECTICUT DEPARTME NT OF INSURANCE
Salvage Coverage C — Personal Scheduled personal property property (HO 04 61) Claim settlement options Coverage D — Fair rental Limited fungi, wet or dry value rot, or bacteria coverage Duty to defend — Connecticut (HO 04 Coverage E — Additional 74, HO 04 75, HO 04 76) Third-party provisions living expense Personal property Standard mortgage Other coverages clause replacement cost (HO 4.4 General exclusions 04 90) Loss payable clause 4.5 Conditions Home day care (HO 04 No benefit to the 97) Bailee 4.6 Selected endorsements Home business — 3.4 Connecticut laws, Special provisions — Connecticut (HO 07 05) regulations and Connecticut (DP 01 06) required provisions Business pursuits (HO 24 Automatic increase in 71) Connecticut Insurance insurance (DP 04 11) Guaranty Association Act Watercraft (HO 24 75) (38a-836–853) Dwelling under construction (DP 11 43) Personal injury — Cancellation and Connecticut (HO 24 79) 4.7 Personal liability nonrenewal (38a-307, 308(e), 323, 324) supplement 6.0 Auto Insurance 14% Binders (38a-309, 322) 6.1 Laws Legal action against 5.0 Homeowners ('11) Policy insurer (38a-321, 307) 14% Connecticut Motor Vehicle 5.1 Coverage forms Financial Responsibility Concealment or fraud Law (38a-307) HO-2 through HO-6 Required limits of Appraisal (38a-307) 5.2 Definitions liability (RL 17-114)
Availability of insurance on 5.3 Section I — Property Required proof of real property regardless coverages insurance (RL 14- of location (Reg 38a- 112(b)) 824-1–3) Coverage A — Dwelling Connecticut Automobile Connecticut Standard Fire Coverage B — Other Insurance Assigned Risk Policy (38a-307) structures Plan (38a-329)
Connecticut FAIR Plan Coverage C — Personal Uninsured/underinsured (Reg 38a-328-1–20) property motorist (38a-336)
Federal Terrorism Coverage D — Loss of use Definitions Insurance Program (15 Additional coverages USC 6701; Public Law Bodily injury 107–297, 109–144, 5.4 Section II — Liability UM/UIM reduction 110–160) coverages Required limits (Reg
Coverage E — Personal 38a-334–6(d)) liability 4.0 Dwelling ('02) Policy 5% Conversion coverage 4.1 Characteristics and Coverage F — Medical (38a-336a) purpose payments to others Cancellation/nonrenewal 4.2 Coverage forms — Perils Additional coverages Reasons (38a-342) insured against 5.5 Perils insured against Basic Notice (38a-343, 5.6 Exclusions 344) Broad 5.7 Conditions Notice of eligibility in Special 5.8 Selected endorsements assigned risk plan (38a-345) 4.3 Property coverages Special provisions — Connecticut (HO 01 06) Illegal declination, Coverage A — Dwelling cancellation or Coverage B — Other Permitted incidental nonrenewal (38a-358, structures occupancies — residence 815, 816(9), 817(b)) premises (HO 04 42) Aftermarket parts Earthquake (HO 04 54) regulation (38a-355)
56 CONNECTICUT DEPARTME NT OF INSURANCE
Constructive total loss Business auto physical Commercial general (38a-353) damage liability coverage forms
Arbitration (Reg 38a-10- Truckers Bodily injury and 1–4) property damage Motor carrier liability 6.2 Personal ('05) auto policy Coverage form sections Personal and Covered autos advertising injury Definitions liability Liability coverage Liability coverage Medical payments Garagekeepers Bodily injury and Exclusions property damage coverage Physical damage Supplementary Supplementary payments payments coverage Who is an insured Exclusions Exclusions Limits of insurance Medical payments Conditions coverage Definitions Conditions
Uninsured motorists Selected endorsements Definitions coverage Connecticut changes Occurrence versus claims- Coverage for damage to (CA 01 07) made your auto Lessor — additional Claims-made features Collision insured and loss (Connecticut minimum payee (CA 20 01) standards) (Reg 38a- Other than collision 327-1–6) Deductibles Mobile equipment (CA 20 15) Trigger Transportation Retroactive date expenses Auto medical payments coverage Extended reporting Exclusions (CA 99 03) periods
Duties after an accident or Drive other car Claim information loss coverage (CA 99 10) Premises and operations General provisions Individual named Products and completed Selected endorsements insured (CA 99 17) operations
Amendment of policy Commercial carrier Insured contract provisions — regulations Connecticut (PP 01 7.3 Commercial property 54) The Motor Carrier Act ('12) of 1980 Towing and labor Commercial property costs (PP 03 03) Endorsement for conditions form motor carrier Extended non-owned policies of insurance Coverage forms coverage — vehicles for public liability Building and personal furnished or (MCS-90) available for regular property use (PP 03 06) Condominium association Miscellaneous type 7.0 Commercial Package Policy vehicle (PP 03 23) (CPP) 10% Condominium Joint ownership 7.1 Components of a commercial unit- coverage — commercial policy owners Connecticut (PP 13 Common policy Builders risk 45) declarations Business income 6.3 Commercial auto ('10) Common policy conditions Legal liability Commercial auto coverage Interline endorsements forms Extra expense One or more coverage Business auto Causes of loss forms parts Garage Basic 7.2 Commercial general liability ('13) Broad
57 CONNECTICUT DEPARTME NT OF INSURANCE
Special Inland marine coverage Coverage H — Bodily forms injury and property Selected endorsements damage liability Accounts receivable Ordinance or law Coverage I — Personal coverage (CP 04 Bailee's customer and advertising 05) Commercial articles injury liability Spoilage coverage Coverage J — Medical (CP 04 40) Contractors equipment floater payments Peak season limit of Livestock coverage form insurance (CP 12 Electronic data 30) processing Mobile agricultural Equipment dealers machinery and Value reporting form equipment coverage (CP 13 10) Installation floater form
7.4 Commercial crime ('06) Jewelers block Causes of loss (basic, broad and special) General definitions Signs Exclusions Burglary Valuable papers and Theft records Additional coverages
Robbery Transportation coverages Limits of insurance
Crime coverage forms Common carrier cargo Conditions liability Commercial crime Definitions Motor truck cargo coverage forms (discovery/loss forms sustained) Transit coverage 8.0 Businessowners ('13) Policy 9% Government crime forms 8.1 Characteristics and coverage forms 7.6 Equipment breakdown purpose (discovery/loss ('13) sustained) 8.2 Businessowners Section Equipment breakdown I — Property Coverages protection coverage form Employee theft (EB 00 20) Coverage
Forgery or alteration Selected endorsement Exclusions
Inside the premises — Actual cash value (EB Limits of insurance theft of money and 99 59) Deductibles securities 7.7 Farm coverage Loss conditions Inside the premises — Farm property coverage robbery or safe form ('03) General conditions burglary of other property Coverage A — Optional coverages Dwellings Outside the premises Definitions Coverage B — Other 8.3 Businessowners Section Computer fraud private structures II — Liability Funds transfer fraud Coverage C — Coverages Money orders and Household personal counterfeit money property Exclusions
Other crime coverage Coverage D — Loss of Who is an insured use Extortion — Limits of insurance commercial entities Coverage E — General conditions (CR 04 03) Scheduled farm personal property Definitions 7.5 Commercial inland Coverage F — marine 8.4 Businessowners Section Unscheduled farm III — Common Policy Nationwide marine personal property Conditions definition Coverage G — Other 8.5 Selected endorsements Commercial inland marine farm structures conditions form Hired auto and non-owned Farm liability coverage auto liability (BP 04 04) form ('06)
58 CONNECTICUT DEPARTME NT OF INSURANCE
Protective safeguards (BP Part Three — Other states Principal, obligee, surety 04 30) insurance Contract bonds Utility services — direct Part Four — Your duties if damage (BP 04 56) injury occurs License and permit bonds
Utility services — time Part Five — Premium Judicial bonds element (BP 04 57) Part Six — Conditions 10.5 National Flood Insurance Program Selected endorsements "Write your own" versus 9.0 Workers Compensation Voluntary government Insurance 10% compensation 9.1 Workers compensation Eligibility laws 9.3 Premium computation Coverage Types of laws Job classification — payroll and rates Limits Monopolistic versus Deductibles competitive Experience modification factor 10.6 Other policies Compulsory versus elective Premium discounts Boatowners
Connecticut Workers Participation (dividend) Difference in conditions Compensation Law (Title plans 31 Chapter 568) 9.4 Other sources of Exclusive remedy (RL coverage 31-284(a), 293a) Connecticut Workers Connecticut Certified Insurance Employment covered Compensation Insurance Consultant's Examination for (required, Plan Life/Accident and Health voluntary) (RL 31- Self-insured employers Insurance 275(9), (10)) (RL 31-285, 286) Series 18-05 Covered injuries (RL Employers' mutual 150 questions - 2.5-hour time 31-275(1), (16), insurance associations limit 284(a), 294c, 295) (RL 31-328–339) Live Date September 1, 2019 Occupational disease
(RL 31-275(15))
Benefits provided (RL 10.0 Other Coverages and 1.0 Insurance Regulation 5% 31-275(12), 283a, Options 6% 1.1 Licensing 295, 306, 306b, 10.1 Umbrella/excess Process (38a-702d, 702e, 307, 308, 308a) liability policies 769) Second injury fund Personal (DL 98 01) Types of licensees (38a- (RL 31-349, 350, 702f(a), 769) 352-355b) Commercial (CU 00 01) Resident producers Federal workers 10.2 Specialty liability (38a-702d) compensation laws insurance Certified insurance Federal Employers Professional liability consultants (38a- Liability Act (FELA) Errors and omissions 731–733, 786) (45 USC 51–60) Directors and officers Nonresident producers U.S. Longshore and liability (38a-702g, 702n) Harbor Workers Compensation Act Fiduciary liability Temporary (38a- (33 USC 904) Liquor liability 702j) The Jones Act (46 Maintenance and duration USC 688) Employment practices liability Renewal (38a- 9.2 Workers compensation 10.3 Surplus lines 702f(b)(c), 784, and employers liability 786(b)) insurance policy Definitions and markets Change in name or General section Licensing requirements address
Part One — Workers Exportable list Reporting of actions compensation insurance (38a-702o, 771(b)) Affidavits Part Two — Employers liability insurance 10.4 Surety bonds
59 CONNECTICUT DEPARTME NT OF INSURANCE
Assumed names False financial Fraternal benefit (38a-702i) statements (38a- societies 816(5)) Continuing education Lloyd's associations requirements, Failure to maintain exemptions and complaint record Risk retention groups penalties (Reg 38a- (38a-816(7)) Private versus government 782a-2, 10,12-17) Unfair discrimination insurers Disciplinary actions (38a-816(12), (13)) Admitted versus Cease and desist Rebating (38a- nonadmitted insurers order (38a-817) 816(9), 825) Domestic, foreign and alien Hearings (38a-16, Twisting (38a-826) insurers 817, 818) Examination of books and Financial status Suspensions, records (38a-769(f)) (independent rating revocations, refusal services) to issue or renew, Connecticut Insurance Information and Privacy Marketing (distribution) fines (38a-2, 702k, systems 735, 774, 777, Protection Act (38a- 817(b, e), 830) 975–999a) 2.3 Producers and general rules of agency 1.2 State regulation 1.3 Federal regulation Insurer as principal Commissioner's general Fair Credit Reporting Act duties and powers (38a- (15 USC 1681–1681d) Producer/insurer 8, 10) Fraud and false statements relationship Company regulation (18 USC 1033, 1034) Authority and powers of producers Certificate of authority (38a-41) Express 2.0 General Insurance 5% Capital and surplus 2.1 Concepts Implied requirement (38a- 72) Risk management key Apparent terms Unfair claim 2.4 Contracts Risk settlement practices Elements of a legal (38a-816) Exposure contract Producer regulation Hazard Offer and acceptance Controlled business Peril Consideration (38a-782) Loss Competent parties Commissions (38a- 702l, 734) Methods of handling risk Legal purpose
Acting as an agent Avoidance Distinct characteristics of (38a-702m) an insurance contract Retention Representing an Contract of adhesion unauthorized insurer Sharing (38a-275, 703, 714) Aleatory contract Reduction Failure to remit Personal contract Transfer premiums (38a- Unilateral contract 712) Elements of insurable risks Conditional contract Unfair and prohibited Adverse selection practices Legal interpretations Law of large numbers affecting contracts Misrepresentation (38a-816(1), (8)) Reinsurance Ambiguities in a contract of adhesion False advertising Data breach (38a-816(1), (2)) Reasonable 2.2 Insurers expectations Defamation of insurer Types of insurers (38a-816(3)) Indemnity Stock companies Boycott, coercion and Utmost good faith intimidation (38a- Mutual companies Representations/misre 816(4)) presentations
60 CONNECTICUT DEPARTME NT OF INSURANCE
Warranties 433; Reg 38a-433- Statement of good 1–11) health Concealment 3.6 Premiums 3.8 Individual underwriting Fraud by the insurer Factors in premium Waiver and estoppel determination Information sources and regulation Mortality Application 3.0 Life Insurance Basics 5% Interest 3.1 Insurable interest Producer report Expense 3.2 Personal uses of life Attending physician Premium concepts insurance statement Net single premium Survivor protection Investigative Gross annual premium consumer Estate creation (inspection) report Premium payment mode (38a-982) Cash accumulation 3.7 Producer Medical Information Liquidity responsibilities Bureau (MIB) Estate conservation Solicitation and sales Medical examinations Life settlements (38a-465, presentations (Reg 38a- and lab tests 465a, 465f, 465g; Reg 819-32–39) including HIV (RL 38a-465-1–10) 19a-583, 586) Advertising (Reg 38a- 3.3 Determining amount of 819-21–31) Selection criteria and personal life insurance unfair discrimination Life and Health (38a-446, 447) Human life value approach Insurance Guaranty Association (38a- Needs approach 858, 871(e)) 4.0 Life Insurance Policies 5% Types of information Illustrations (Reg 4.1 Term life insurance gathered 38a-819-58–69) Level term Determining lump- Policy summary (Reg sum needs 38a-819-35(G)) Annual renewable term Planning for income Buyer's guide (Reg needs 38a-819-35 Level premium term Appendix) 3.4 Business uses of life Life expectancy insurance Life insurance policy contract cost comparison Buy-sell funding methods (Reg 38a- Term-to-65 (or older) Key person 819-35(F), contract Appendix) Executive bonuses Decreasing term Replacement (38a- 4.2 Whole life insurance Deferred compensation 435) funding Continuous premium Use and disclosure of (straight life) Split dollar plans insurance information (38a- Change of insured rider Limited payment 988) Minimum deposit Single premium Field underwriting 3.5 Classes of life insurance Graded premium Notice of information policies practices (38a-979, Modified life 981) Group versus individual Interest sensitive Application Permanent versus term Equity index procedures/Backdati Participating versus ng (38a-442) 4.3 Flexible premium nonparticipating policies Delivery Fixed versus variable life Adjustable life insurance and annuities Policy review Universal life Regulation of variable Effective date of products (SEC, coverage 4.4 Specialized policies FINRA and Premium collection Connecticut) (38a- Joint life (first-to-die)
61 CONNECTICUT DEPARTME NT OF INSURANCE
Survivorship life (second- Fixed-period installments 5.10 Riders affecting the to-die) death benefit amount Fixed-amount installments Juvenile life Accidental death Life income 4.5 Group life insurance Guaranteed insurability Single life Characteristics of group Cost of living plans Joint and survivor Return of premium Group underwriting 5.4 Nonforfeiture options
requirements Cash surrender value 6.0 Annuities 8% Conversion to individual Extended term policy (Bul S-4 (8 & 10)) 6.1 Annuity principles and Reduced paid-up insurance concepts 4.6 Credit life insurance (individual versus 5.5 Policy loan and Accumulation period group) withdrawal options versus annuity period
Cash loans Owner, annuitant and beneficiary 5.0 Life Insurance Policy Automatic premium loans Provisions, Options and Insurance aspects of Withdrawals or partial Riders 7% annuities surrenders 5.1 Standard provisions 6.2 Immediate versus 5.6 Dividend options Ownership deferred annuities Cash payment Assignment (38a-455) Single premium immediate Reduction of premium annuities (SPIAs) Entire contract payments Deferred annuities Modifications Accumulation at interest Premium payment Right to examine (free One-year term option options look) (38a-436) Paid-up additions Nonforfeiture Payment of premiums 5.7 Disability riders Surrender and Grace period withdrawal charges Waiver of premium/waiver Reinstatement of stipulated premium Death benefits (universal life) Incontestability 6.3 Annuity (benefit) Waiver of cost of insurance payment options Misstatement of age Disability income benefit Life contingency options Exclusions Payor benefit life/disability Pure life versus life Interest on insurance (juvenile insurance) with guaranteed proceeds (38a-452) minimum 5.8 Living benefit 5.2 Beneficiaries provisions/riders Single life versus Designation options multiple life Accelerated (38a-457; Individuals Reg 38a-457-1–11) Annuities certain (types)
Classes Conditions for 6.4 Annuity products payment Estates Fixed annuities Effect on death benefit Minors General account Long-term care (Reg 38a- assets Trusts 458-1–12) Interest rate Succession Conditions for guarantees payment (minimum versus Facility of payment clause current) Effect on death benefit Revocable versus Level benefit payment irrevocable 5.9 Riders covering amount additional insureds Common disaster clause Equity indexed annuities Spouse/other-insured term Spendthrift clause rider Market value adjusted 5.3 Settlement options annuities (modified Children's term rider guaranteed annuities) Interest only (Reg 38a-433-12–22) Family term rider
62 CONNECTICUT DEPARTME NT OF INSURANCE
6.5 Uses of annuities 7.4 Taxation of individual Taxation of life insurance retirement accounts distributions Lump-sum settlements (IRAs)
Qualified retirement plans Traditional IRAs 9.0 Health Insurance Basics 5% Group versus Contributions and 9.1 Definitions of perils individual annuities deductible amounts Accidental injury Personal uses Premature Individual retirement distributions Sickness accounts (IRAs) (including taxation issues) 9.2 Principal types of losses Tax-deferred growth and benefits Annuity phase benefit Retirement income payments Loss of income from disability Education funds Values included in the annuitant's estate Hospital/medical expense 6.6 Senior Protection in Annuity Transactions Amounts received by Dental expense (38a-432a-1–7 & 38a- beneficiary Long-term care 432b-1-4) Roth IRAs expense/home health care Contributions and 7.0 Federal Tax Considerations limits 9.3 Classes of health for Life Insurance and insurance policies Distributions Annuities 11% Individual versus group 7.1 Taxation of personal life 7.5 Rollovers and transfers insurance (IRAs and qualified Private versus government plans) Amounts available to Limited versus policyowner 7.6 Section 1035 exchanges comprehensive
Cash value increases 9.4 Limited policies
Dividends 8.0 Qualified Plans 9% Limited benefits (38a- 482b, 513d) Policy loans 8.1 General requirements Required notice to insured Surrenders 8.2 Federal tax considerations 9.5 Common exclusions Amounts received by from coverage (Reg beneficiary Tax advantages for 38a-505-7) employers and General rule and employees 9.6 Producer exceptions responsibilities in Taxation of distributions individual health Settlement options (age-related) insurance
Values included in 8.3 Plan types, Marketing requirements insured's estate characteristics and purchasers Advertising (Reg 38a- 7.2 Modified endowment 819-1–20) contracts (MECs) Simplified employee pensions (SEPs) Life and Health Modified endowment Insurance Guaranty versus life insurance Profit-sharing and 401(k) Association (38a- plans Seven-pay test 859,871(e)) SIMPLE plans Distributions Sales presentations Pension plans 7.3 Taxation of non- Outline of coverage qualified annuities Section 457 deferred (38a-505(f); Reg compensation 38a-505-10(B–K)) Individually-owned 403(b) tax-sheltered Field underwriting Accumulation phase annuities (TSAs) (tax issues related Nature and purpose to withdrawals) 8.4 Special rules for life Disclosure of insurance Annuity phase and the information about exclusion ratio Incidental limitation individuals (38a- 988) Distributions at death Taxation of economic benefit Application procedures Corporate-owned (38a-979, 981)
63 CONNECTICUT DEPARTME NT OF INSURANCE
Requirements at Change of beneficiary (12) Connecticut minimum delivery of policy benefit standards (Reg 10.2 Optional provisions 38a-505-9(F)) Common situations for (38a-483(b)) errors/omissions Basic total disability plan Change of occupation (1) 9.7 Individual underwriting Income benefits by the insurer Misstatement of age (2) (monthly indemnity)
Underwriting criteria Other insurance in this Elimination and insurer (3) benefit periods Sources of underwriting information Insurance with other Waiver of premium insurers feature Application Expense-incurred Coordination with social Producer report basis (4) insurance and workers Attending physician Other benefits (5) compensation benefits statement Unpaid premium (7) Additional monthly Investigative benefit (AMB) Cancellation (8) consumer Social insurance (inspection) report Conformity with state supplement (SIS) statutes (9) Medical Information Occupational versus Bureau (MIB) 10.3 Other general nonoccupational Medical examinations provisions coverage and lab tests Right to examine (free At-work benefits (including HIV look) (Reg 38a-505- consent) (RL 19a- 10(A)(7)) Partial disability 583, 586) benefit Insuring clause Prohibited use of Residual disability genetic information Consideration clause benefit (38a-816(19)) Renewability clause (Reg Other provisions affecting Unfair discrimination 38a-505-9(A)) income benefits (38a-488) Noncancelable Cost of living 9.8 Considerations in adjustment (COLA) replacing health Guaranteed renewable rider insurance (38a-546; Conditionally Reg 38a-505-11) Future increase option renewable (FIO) rider Benefits, limitations and Renewable at option exclusions Relation of earnings to of insurer insurance (38a- Underwriting requirements Nonrenewable 483(b)(6)) Producer liability for errors (cancelable, term) Annual renewable and omissions Military suspense provision term rider (Reg 38a-505-9(A)(5)) Other cash benefits
10.0 Individual Health Insurance Accidental death and dismemberment Policy General Provisions 11.0 Disability Income and 5% Related Insurance 5% Rehabilitation benefit 10.1 Required provisions 11.1 Qualifying for Medical (38a-483(a)) disability benefits reimbursement Entire contract; changes Inability to perform duties benefit (1) (nondisabling injury) Own occupation Time limit on certain Refund provisions defenses (2) Any occupation Return of premium Grace period (3) Presumptive disability Cash surrender value Reinstatement (4) Requirement to be under physician care Exclusions Claim procedures (5–9) 11.2 Individual disability 11.3 Unique aspects of Physical examinations and income insurance individual disability autopsy (10) underwriting Legal actions (11)
64 CONNECTICUT DEPARTME NT OF INSURANCE
Occupational Health Maintenance Child enrollment; non- considerations Organizations (HMOs) custodial parents (38a-497a) Benefit limits Essential benefits Physically or mentally 11.4 Group disability General characteristics handicapped income insurance Preventive care dependents (38a- Policy issuance alternatives services 489, 515)
Short-term disability (STD) Primary care physician Newborn child versus referral coverage (38a-490, Long-term disability (LTD) (specialty) physician 516 & PA 11-171)
11.5 Business disability Emergency care Adopted and insurance prospective adopted Hospital services children (38a-508, Key person disability 549) income Other basic services Benefit Disability buy-sell policy Preferred provider organizations (PPOs) and Infertility coverage Business overhead point-of-service (POS) (38a-509, 536; Bul expense policy plans HC-104, PA 17-55)
Disability reducing term Essential benefits 12.5 Federal Legislation policy General characteristics HIPAA (Health Insurance 11.6 Social Security Portability and disability In-network and out- Accountability Act) of-network provider requirements Qualification for disability access benefits Eligibility PCP referral Definition of disability Guaranteed issue Indemnity plan Waiting period features Creditable coverage
Disability income benefits Connecticut children's Renewability 11.7 Workers compensation health insurance plan (HUSKY) (RL 17b-289– Connecticut HIPAA Eligibility 292a, 295, 297, 299, Alternative-Health 300, 301, 303, 304) Reinsurance Benefits Association High Deductible Health Plan PPACA (Patient Protection and Affordable Care Act) 12.0 Medical Plans 5% 12.3 Cost containment in Essential benefits 12.1 Medical plan concepts health care delivery No cost share on Fee-for-service basis Cost-saving services prevention versus prepaid basis Preventive care
Benefit schedule versus Hospital outpatient usual/reasonable/custom benefits 13.0 Group Health Insurance ary charges 10% Alternatives to Any provider versus 13.1 Characteristics of hospital services limited choice of group insurance providers Utilization review Group contract Insureds versus Retrospective subscribers/participants Certificate of coverage Prospective review (38a-182) 12.2 Types of plans Concurrent review Experience rating versus Major medical insurance community rating/ACA (indemnity plans) 12.4 Connecticut rating/small groups requirements Essential benefits (individual and/or 13.2 Types of eligible group) groups Characteristics Eligibility requirements Employment-related Common limitations groups Dependent child age Exclusions from limit (38a-497, Individual employer coverage 554; HC-71) groups Provisions affecting cost to insured
65 CONNECTICUT DEPARTME NT OF INSURANCE
Multiple-Employer Benefit plans offered Retrospective-rating Trusts (METs) or (38a-565, 568) arrangements Welfare Arrangements Health care center Partially self-funded plans (HMO) plans (MEWAs) Stop-loss coverage Taft-Hartley Trusts Small employer carrier plans 501(c)(9) trust Associations (alumni, Administrative-services- professional, other) Eligibility of employees (38a-564(3)) only (ASO) 13.3 Marketing arrangements Renewability (38a-567) considerations Fully self-funded (self- Advertising 13.6 Regulation of administered) plans employer group Regulatory insurance plans Characteristics jurisdiction/place of Conditions suitable for delivery Employee Retirement Income Security Act self-funding 13.4 Employer group health (ERISA) Benefits suitable for insurance Fiduciary self-funding Insurer underwriting responsibilities criteria Reporting and 14.0 Dental Insurance 3% Characteristics of disclosure group 14.1 Types of dental Age Discrimination in treatment Plan design factors Employment Act (ADEA) Diagnostic and preventive Persistency factors Applicability to employers and Restorative Administrative workers capability Oral surgery Permitted reductions Endodontics Eligibility for coverage in insured benefits Periodontics Employee eligibility Permitted increases in Dependent eligibility employee Prosthodontics — including contributions Orthodontics domestic partners Requirements for and civil unions (Bul medical expense 14.2 Indemnity plans IC-21) coverage Choice of providers Spousal coverage Civil Rights Act/Pregnancy Benefit categories (38a-541) Discrimination Act Diagnostic/preventive Coordination of benefits Applicability provision (Reg 38a-480- services 1–14) Guidelines Basic services Change of insurance Relationship with Medicare Major services companies or loss of Medicare secondary coverage Deductibles and rules coinsurance No-loss no-gain Medicare carve-outs Combination plans Events that terminate and supplements coverage Exclusions Nondiscrimination rules Extension of benefits (highly-compensated) Limitations (Reg 38a-546-5(a)) 13.7 Types of funding and Predetermination of Continuation of administration benefits coverage under COBRA and Conventional fully-insured 14.3 Employer group dental Connecticut specific plans expense rules (38a-512a, Modified fully-insured Integrated deductibles 546; Reg 38a-546- plans versus stand-alone plans 5(b)) Premium-delay Minimizing adverse 13.5 Small employer arrangements selection medical plans Reserve-reduction Definition of small arrangements employer (38a-564(4))
66 CONNECTICUT DEPARTME NT OF INSURANCE
15.0 Insurance for Senior Reporting of multiple Return of premium Citizens and Special Needs policies (Reg 38a- Qualified LTC plans Individuals 7% 495a-18) 15.1 Medicare Buyer's guide (38a- Exclusions 495a-13(a)(6)(A)) Nature, financing and Underwriting administration Right to return (38a- considerations 495a-13(a)(5) Part A — Hospital Connecticut regulations insurance Replacement (Reg and required provisions 38a-495a-14, 19) Individual eligibility Standards for requirements Benefit standards marketing (Reg (Reg 38a-495a-5 & 38a-501-16) Enrollment 38a-495a-5a) Suitability of Coverages and cost- Pre-existing conditions recommended sharing amounts (38a-495a) purchase (Reg 38a- 501-17) Part B — Medical insurance Outline of coverage Shopper's guide (Reg Individual eligibility (38a-495a(l)(1), 38a-501-18) requirements (2); Reg 38a-495a- 13) Outline of coverage Enrollment Plan offering to (Reg 38a-501-21) Coverages and cost- disabled (38a-495c) Non-forfeiture benefit sharing amounts 15.3 Other options for offer (Reg 38a-501- Exclusions individuals with 19) Medicare Claims terminology Required disclosure and other key terms Employer group health provisions (Reg plans 38a-501-13) Part C — Medicare Advantage Disabled employees Replacement (Reg 38a-501-12, 22) Part D — Prescription Drug Employees with Insurance kidney failure Right to return (Reg 38a-501-11(g)) 15.2 Medicare supplements Individuals age 65 or older Inflation protection Purpose (Reg 38a-501-20) Medicaid Open enrollment (Reg Connecticut 38a-495a-8) Eligibility Partnership for Long Term Care (Reg Standardized Medicare Benefits 38a-475-1–6; RL supplement plans (Reg 17b-252) 38a-495a-6, 6(a)) ConnMAP
Core benefits 15.4 Long-term care (LTC) insurance Additional benefits 16.0 Federal Tax Considerations Eligibility for benefits for Health Insurance 5% Connecticut regulations 16.1 Personally-owned Levels of care and required provisions health insurance Skilled care Advertising (Reg 38a- Disability income insurance 495a-15) Intermediate care Medical expense insurance Standards for Custodial care marketing (Reg Long-term care insurance 38a-495a-16) Home health care 16.2 Employer group health Permitted Adult day care insurance compensation (Reg 38a-495a-12) Respite care Disability income (STD, LTD) Appropriateness of Hospice care recommended Benefits subject to Benefit periods purchase and FICA excessive insurance Benefit amounts Medical and dental (Reg 38a-495a-17) expense Optional benefits Required disclosure Long-term care insurance provisions (Reg Guarantee of 38a-495a-13) insurability Accidental death and dismemberment
67 CONNECTICUT DEPARTME NT OF INSURANCE
16.3 Medical expense Continuing education Failure to maintain coverage for sole requirements, complaint record proprietors, partners exemptions and (38a-816(7)) and limited liability penalties (Reg 38a- corporations 782a-2, 10, 12–17) Unfair discrimination (38a-816(12), (13)) 16.4 Business disability Disciplinary actions insurance Rebating (38a- Cease and desist 816(9), 825) Key person disability order (38a-817) income Twisting (38a-826) Hearings (38a-16, Buy-sell policy 817, 818) Examination of books and records (38a-769(f)) Business Overhead Suspensions, Expense (BOE) revocations, refusal Connecticut Insurance to issue or renew, Information and Privacy 16.5 Health Savings fines (38a-2, 702k, Protection Act (38a- Accounts (HSAs) 735, 774, 777, 817, 975–999a) Definition 830) 1.3 Federal regulation
Eligibility 1.2 State regulation Fair Credit Reporting Act (15 USC 1681–1681d) Contribution limits Commissioner's general duties and powers (38a- Fraud and false statements 8, 10) (18 USC 1033, 1034)
Company regulation Certificate of authority Connecticut Certified Insurance 2.0 General Insurance 6% Consultant's Examination for (38a-41) 2.1 Concepts Property/Casualty Insurance Capital and surplus Series 18-06 requirement (38a- Risk management key 72) terms 150 questions - 2.5-hour time limit Unfair claim Risk Live Date September 1, 2019 settlement practices Exposure (38a-816)
Hazard Producer regulation 1.0 Insurance Regulation 7% Peril 1.1 Licensing Controlled business (38a-782) Loss Process (38a-702d, 702e, 769) Commissions (38a- Methods of handling risk 702l, 734) Types of licensees (38a- Avoidance 702f(a), 769) Acting as an agent (38a-702m) Retention Resident producers Representing an Sharing (38a-702d) unauthorized insurer Reduction Certified insurance (38a-275, 703, 714) consultants (38a- Transfer Failure to remit 731–733, 786) premiums (38a- Elements of insurable risks Nonresident producers 712) (38a-702g, 702n) Adverse selection Unfair and prohibited Temporary (38a- practices Law of large numbers 702j) Misrepresentation Reinsurance (38a-816(1), (8)) Maintenance and duration 2.2 Insurers False advertising Renewal (38a- Types of insurers 702f(b)(c), 784, (38a-816(1), (2)) 786(b)) Stock companies Defamation of insurer Change in name or (38a-816(3)) Mutual companies address (38a- 702f(f), 771(a)) Boycott, coercion and Fraternal benefit intimidation (38a- societies Reporting of actions 816(4)) (38a-702o, 771(b)) Lloyd's associations False financial Assumed names statements (38a- Risk retention groups (38a-702i) 816(5))
68 CONNECTICUT DEPARTME NT OF INSURANCE
Private versus government Valued policy insurers 3.0 Property and Casualty 3.2 Policy structure Admitted versus Insurance Basics 10% nonadmitted insurers Declarations 3.1 Principles and concepts Domestic, foreign and alien Definitions Insurable interest insurers Insuring agreement or Underwriting Financial status clause (independent rating Function Additional/supplementary services) coverage Loss ratio Marketing (distribution) Conditions systems Rates Exclusions 2.3 Producers and general Types rules of agency Endorsements Loss costs Insurer as principal 3.3 Common policy Components provisions Producer/insurer Hazards relationship Insureds — named, first Physical named, additional Authority and powers of producers Moral Policy period
Express Morale Policy territory
Implied Negligence Cancellation and nonrenewal Apparent Elements of a negligent act Deductibles 2.4 Contracts Defenses against Other insurance Elements of a legal negligence contract Nonconcurrency Damages Offer and acceptance Primary and excess Compensatory — Consideration Pro rata special versus Competent parties general Contribution by equal shares Legal purpose Punitive Limits of liability Distinct characteristics of Absolute liability an insurance contract Per occurrence Strict liability (accident) Contract of adhesion Vicarious liability Per person Aleatory contract Causes of loss (perils) Aggregate — general Personal contract Named perils versus versus products — Unilateral contract special (open) perils completed operations Conditional contract Direct loss Split Legal interpretations Consequential or indirect affecting contracts loss Combined single
Ambiguities in a Blanket versus specific Restoration/nonreduction contract of adhesion insurance of limits
Reasonable Basic types of construction Coinsurance expectations Loss valuation Vacancy or unoccupancy Indemnity Actual cash value Named insured provisions Utmost good faith Replacement cost Duties after loss Representations/misre Functional Assignment presentations replacement cost Abandonment Warranties Market value Insurer provisions Concealment Agreed value Liberalization Fraud Stated amount Subrogation Waiver and estoppel
69 CONNECTICUT DEPARTME NT OF INSURANCE
Salvage Coverage C — Personal Scheduled personal property property (HO 04 61) Claim settlement options Coverage D — Fair rental Limited fungi, wet or dry value rot, or bacteria coverage Duty to defend — Connecticut (HO 04 Coverage E — Additional 74, HO 04 75, HO 04 76) Third-party provisions living expense Personal property Standard mortgage Other coverages clause replacement cost (HO 4.4 General exclusions 04 90) Loss payable clause 4.5 Conditions Home day care (HO 04 No benefit to the 97) Bailee 4.6 Selected endorsements Home business — 3.4 Connecticut laws, Special provisions — Connecticut (HO 07 05) regulations and Connecticut (DP 01 06) required provisions Business pursuits (HO 24 Automatic increase in 71) Connecticut Insurance insurance (DP 04 11) Guaranty Association Act Watercraft (HO 24 75) (38a-836–853) Dwelling under construction (DP 11 43) Personal injury — Cancellation and Connecticut (HO 24 79) 4.7 Personal liability nonrenewal (38a-307, 308(e), 323, 324) supplement 6.0 Auto Insurance 9% Binders (38a-309, 322) 6.1 Laws Legal action against 5.0 Homeowners ('11) Policy insurer (38a-321, 307) 5% Connecticut Motor Vehicle 5.1 Coverage forms Financial Responsibility Concealment or fraud Law (38a-307) HO-2 through HO-6 Required limits of Appraisal (38a-307) 5.2 Definitions liability (RL 17-114)
Availability of insurance on 5.3 Section I — Property Required proof of real property regardless coverages insurance (RL 14- of location (Reg 38a- 112(b)) 824-1–3) Coverage A — Dwelling Connecticut Automobile Connecticut Standard Fire Coverage B — Other Insurance Assigned Risk Policy (38a-307) structures Plan (38a-329)
Connecticut FAIR Plan Coverage C — Personal Uninsured/underinsured (Reg 38a-328-1–20) property motorist (38a-336)
Federal Terrorism Coverage D — Loss of use Definitions Insurance Program (15 Additional coverages USC 6701; Public Law Bodily injury 107–297, 109–144, 5.4 Section II — Liability UM/UIM reduction 110–160) coverages Required limits (Reg
Coverage E — Personal 38a-334–6(d)) liability 4.0 Dwelling ('02) Policy 5% Conversion coverage 4.1 Characteristics and Coverage F — Medical (38a-336a) purpose payments to others Cancellation/nonrenewal 4.2 Coverage forms — Perils Additional coverages Reasons (38a-342) insured against 5.5 Perils insured against Basic Notice (38a-343, 5.6 Exclusions 344) Broad 5.7 Conditions Notice of eligibility in Special 5.8 Selected endorsements assigned risk plan (38a-345) 4.3 Property coverages Special provisions — Connecticut (HO 01 06) Illegal declination, Coverage A — Dwelling cancellation or Coverage B — Other Permitted incidental nonrenewal (38a-358, structures occupancies — residence 815, 816(9), 817(b)) premises (HO 04 42) Aftermarket parts Earthquake (HO 04 54) regulation (38a-355)
70 CONNECTICUT DEPARTME NT OF INSURANCE
Constructive total loss Garage Endorsement for (38a-353) motor carrier Business auto physical policies of insurance Arbitration (Reg 38a-10- damage for public liability 1–4) Truckers (MCS-90) Disclosure of automobile liability insurance policy Motor carrier limits (38a-335a) Coverage form sections 7.0 Commercial Package Policy (CPP) 24% 6.2 Personal ('05) auto Covered autos policy 7.1 Components of a Liability coverage commercial policy Definitions Garagekeepers Common policy Liability coverage coverage declarations
Bodily injury and Trailer interchange Common policy conditions property damage coverage Interline endorsements Supplementary Physical damage One or more coverage payments coverage parts Exclusions Exclusions 7.2 Commercial general Medical payments Conditions liability ('13) coverage Definitions Commercial general Uninsured motorists liability coverage forms coverage Selected endorsements Bodily injury and Coverage for damage to Connecticut changes property damage your auto (CA 01 07) liability
Collision Deductible liability Personal and (CA 03 02) advertising injury Other than collision liability Lessor — additional Deductibles insured and loss Medical payments Transportation payee (CA 20 01) Exclusions expenses Mobile equipment (CA Supplementary Exclusions 20 15) payments Duties after an accident or Broad form products Who is an insured loss (CA 25 01) Limits of insurance General provisions False pretense coverage (CA 25 Conditions Selected endorsements 03) Definitions Amendment of policy Auto medical provisions — payments coverage Occurrence versus claims- Connecticut (PP 01 (CA 99 03) made 54) Drive other car Claims-made features Towing and labor coverage (CA 99 (Connecticut minimum costs (PP 03 03) 10) standards) (Reg 38a- 327-1–6) Extended non-owned Hired autos specified coverage — vehicles as covered autos Trigger furnished or you own (CA 99 16) available for regular Retroactive date use (PP 03 06) Individual named insured (CA 99 17) Extended reporting Miscellaneous type periods vehicle (PP 03 23) Employees as insureds (CA 99 33) Claim information Joint ownership Premises and operations coverage — Pollution liability — broadened coverage Connecticut (PP 13 Products and completed (CA 99 48, CA 99 45) operations 55) 6.3 Commercial auto ('10) Insured contract Commercial carrier Commercial auto coverage regulations Owners and contractors forms protective liability The Motor Carrier Act Business auto of 1980
71 CONNECTICUT DEPARTME NT OF INSURANCE
coverage form (CG 00 Commercial crime Installation floater 09) coverage forms (discovery/loss Jewelers block Pollution liability sustained) Signs Pollution liability Government crime coverage form (CG Valuable papers and coverage forms records 00 39) (discovery/loss Pollution liability sustained) Transportation coverages limited coverage Coverages Common carrier cargo form (CG 00 40) liability Employee theft Pollution liability Motor truck cargo coverage extension Forgery or alteration forms endorsement (CG 04 22) Inside the premises — Transit coverage theft of money and forms 7.3 Commercial property securities ('12) 7.6 Equipment breakdown Inside the premises — ('13) Commercial property robbery or safe conditions form burglary of other Equipment breakdown property protection coverage form Coverage forms (EB 00 20) Outside the premises Building and personal Selected endorsement property Computer fraud Actual cash value (EB Condominium Funds transfer fraud 99 59) association Money orders and 7.7 Farm coverage Condominium counterfeit money commercial unit- Farm property coverage owners Other crime coverage form ('03)
Builders risk Extortion — Coverage A — commercial entities Dwellings Business income (CR 04 03) Coverage B — Other Legal liability Lessees of safe private structures deposit boxes (CR Extra expense 04 09) Coverage C — Causes of loss forms Household personal Securities deposited property Basic with others (CR 04 10) Coverage D — Loss of Broad use Guests' property (CR Special 04 11) Coverage E — Scheduled farm Selected endorsements Safe depository (CR personal property 04 12) Ordinance or law Coverage F — coverage (CP 04 7.5 Commercial inland Unscheduled farm 05) marine personal property
Spoilage coverage Nationwide marine Coverage G — Other (CP 04 40) definition farm structures
Peak season limit of Commercial inland marine Farm liability coverage insurance (CP 12 conditions form form ('06) 30) Inland marine coverage Coverage H — Bodily Value reporting form forms injury and property (CP 13 10) Accounts receivable damage liability 7.4 Commercial crime ('06) Bailee's customer Coverage I — Personal General definitions and advertising Commercial articles injury liability Burglary Contractors Coverage J — Medical Theft equipment floater payments
Robbery Electronic data Livestock coverage form processing Crime coverage forms Mobile agricultural Equipment dealers machinery and
72 CONNECTICUT DEPARTME NT OF INSURANCE
equipment coverage Types of laws Foreign coverage form endorsement Monopolistic versus Causes of loss (basic, competitive 9.3 Premium computation broad and special) Compulsory versus Job classification — payroll Exclusions elective and rates
Additional coverages Connecticut Workers Experience modification Compensation Law (Title factor Limits of insurance 31 Chapter 568) Premium discounts Conditions Exclusive remedy (RL 31-284(a), 293a) Participation (dividend) Definitions plans Employment covered (required, Retrospective rating 8.0 Businessowners ('13) Policy voluntary) (RL 31- 9.4 Other sources of 7% 275(9), (10)) coverage 8.1 Characteristics and Covered injuries (RL Connecticut Workers purpose 31-275(1), (16), Compensation Insurance 284(a), 294c, 295) 8.2 Businessowners Section Plan I — Property Occupational disease Self-insured employers (RL 31-275(15)) Coverage (RL 31-285, 286) Benefits provided (RL Exclusions Employers' mutual 31-275(12), 283a, insurance associations Limits of insurance 295, 306, 306b, (RL 31-328–339) 307, 308, 308a) Deductibles Second injury fund Loss conditions (RL 31-349, 352- 10.0 Other Coverages and 355b) General conditions Options 14% Federal workers 10.1 Umbrella/excess Optional coverages compensation laws liability policies Definitions Federal Employers Personal (DL 98 01) Liability Act (FELA) 8.3 Businessowners Section Commercial (CU 00 01) II — Liability (45 USC 51–60) 10.2 Specialty liability U.S. Longshore and Coverages insurance Harbor Workers Exclusions Compensation Act Professional liability (33 USC 904) Who is an insured Errors and omissions Limits of insurance The Jones Act (46 USC 688) Directors and officers General conditions liability 9.2 Workers compensation Definitions and employers liability Fiduciary liability insurance policy 8.4 Businessowners Section Liquor liability General section III — Common Policy Employment practices Conditions Part One — Workers liability compensation insurance 8.5 Selected endorsements 10.3 Surplus lines Part Two — Employers Hired auto and non-owned Definitions and markets auto liability (BP 04 04) liability insurance Licensing requirements Protective safeguards (BP Part Three — Other states 04 30) insurance Exportable list
Utility services — direct Part Four — Your duties if Affidavits damage (BP 04 56) injury occurs 10.4 Surety bonds Utility services — time Part Five — Premium element (BP 04 57) Principal, obligee, surety Part Six — Conditions Contract bonds Selected endorsements License and permit bonds 9.0 Workers Compensation Voluntary Insurance 13% compensation Judicial bonds 9.1 Workers compensation 10.5 Aviation insurance laws
73 CONNECTICUT DEPARTME NT OF INSURANCE
Aircraft hull Individuals Exposure
Aircraft liability Firm, association or Hazard corporation Airport liability Peril Licensing requirements Hangarkeepers legal (38a-794) Loss liability Non-resident Methods of handling risk 10.6 Ocean marine reciprocity (38a- Avoidance insurance 769) Retention Major coverages Maintenance and duration Sharing Hull insurance Renewal (38a- Cargo insurance 794(b)) Reduction
Freight insurance Change in name or Transfer address (38a- Protection and 702f(f), 771) Elements of insurable risks indemnity Disciplinary actions Adverse selection Implied warranties Cease and desist Law of large numbers Perils order (38a-817) Reinsurance
General and particular Suspensions, 2.2 Insurers average revocations, refusal to issue or renew, Types of insurers 10.7 National Flood fines (38a-774, Insurance Program 777, 817, 830) Stock companies
"Write your own" versus 1.2 State regulation Mutual companies government Commissioner's general Fraternal benefit Eligibility duties and powers (38a- societies Coverage 8, 10, 740) Lloyd's associations
Limits Unfair and prohibited Risk retention groups practices Deductibles Private versus government Misrepresentation insurers 10.8 Other policies (38a-816(1), (8)) Admitted versus Boatowners False advertising nonadmitted insurers (38a-816(1), (2)) Difference in conditions Domestic, foreign and alien Defamation of insurer insurers 10.9 Alternative funding (38a-816(3)) mechanisms Financial status Boycott, coercion and Self-insured (independent rating intimidation (38a- services) Pooling 816(4)) Marketing (distribution) Risk retention groups False financial systems statements (38a- Captives 816(5)) 2.3 Producers and general rules of agency Failure to maintain complaint record Insurer as principal Connecticut Surplus Lines (38a-816(7)) Broker's Examination Producer/insurer Series 18-07 Rebating (38a- relationship 816(9), 825) Authority and powers of 60 questions - 1-hour time limit Twisting (38a-826) producers Live Date September 1, 2019 Unfair claim settlement Express
practices (38a-816) Implied 1.0 Insurance Regulation 8% Apparent 1.1 Licensing regulation for surplus lines 2.0 General Insurance 5% 2.4 Contracts 2.1 Concepts Process (38a-769) Elements of a legal Risk management key contract Who may be licensed terms (38a-794) Offer and acceptance Risk
74 CONNECTICUT DEPARTME NT OF INSURANCE
Consideration Requirements (Reg 38a- Connecticut Public Adjuster's 740-2, 4, 6) Competent parties Examination List of eligible surplus lines Series 18-08 Legal purpose insurers (Reg 38a-740- 8) 100 questions - 2-hour time limit Distinct characteristics of Live September 1, 2019 an insurance contract White list (Reg 38a-
Contract of adhesion 740-1(k))
Aleatory contract Withdrawal of eligibility (Reg 38a-740-9) 1.0 Insurance Regulation 7% Personal contract Power of attorney (Reg 1.1 Licensing requirements Unilateral contract 38a-740-4-6-C(i) (38a-723, 788)
Conditional contract 3.5 Surplus lines coverages Qualifications (38a- 769(c)) Legal interpretations Characteristics and uses affecting contracts Process (38a-769) Types of coverages Ambiguities in a available 1.2 Maintenance and contract of adhesion duration 3.6 Requirements for Reasonable placement of surplus Renewal (38a-788(c)) expectations lines insurance Contract requirements Indemnity Diligent search (38a- (38a-724, 788(d); Reg 741(b)) 38a-788-6) Utmost good faith Broker affidavit Records (Reg 38a-788-7) Representations/misre presentations Exportable list (38a- Change in name or 741(a)) address (38a-771(a)) Warranties Notice to insured (38a- Reporting of actions (38a- Concealment 745) 771(b)) Fraud Connecticut Insurance 1.3 Disciplinary actions Waiver and estoppel Guaranty Association Cease and desist order (38a-817) 3.7 Authority of surplus 3.0 Surplus Lines Markets and lines broker Hearings (38a-16, 817, Practices 87% 818) Binding 3.1 United States Suspensions, revocations, nonadmitted market Underwriting refusal to issue or renew, fines (38a-2, 725, 774, Claims Insurance exchanges 817, 830) Commissions Foreign nonadmitted 1.4 Claim settlement laws market 3.8 Records of licensee and regulations (38a- 3.2 Alien insurers (38a-742) 816(6); Reg 38a-788- 3) London market Content of records
Lloyd's of London Maintenance 2.0 Insurance Basics 20% Other London 3.9 Surplus lines tax (38a- 2.1 Contract basics companies 743) Elements of a legal Other alien markets Amount contract United States trust funds Collection Offer and acceptance 3.3 Alternative markets Remittance Consideration Captive insurers Penalty and interest Competent parties Risk retention groups Tax return Legal purpose Purchasing groups Policy fees and service charges (Reg 38a-707- Distinct characteristics of Independently procured 7) an insurance contract insurance Contract of adhesion 3.4 Eligible surplus lines Aleatory contract insurers Personal contract
75 CONNECTICUT DEPARTME NT OF INSURANCE
Unilateral contract Conditions USC 6701; Public Law 107–297, 109–144, Conditional contract Exclusions 110–160)
Legal interpretations Endorsements affecting contracts 2.4 Common policy 3.0 Adjusting Losses 25% Ambiguities in a provisions contract of adhesion 3.1 Role of the adjuster Insureds — named, first Reasonable named, additional Duties and responsibilities expectations (Reg 38a-788-3, 4, 5, 8) Policy period Indemnity Casualty adjuster versus Policy territory public adjuster Utmost good faith Cancellation and Relationship to the legal Representations/misre nonrenewal profession presentations Deductibles 3.2 Property losses Warranties Other insurance Duties of insured after a Concealment loss Nonconcurrency Fraud Notice to insurer Primary and excess Waiver and estoppel Minimizing the loss Pro rata 2.2 Insurance principles Proof of loss and concepts Policy limits Special requirements Insurable interest Restoration/nonreduction of limits Production of books Hazards and records Coinsurance Physical Abandonment Vacancy or unoccupancy Moral Determining value and loss Assignment Morale Burden of proof of Liberalization value and loss Causes of loss (perils) Third-party provisions Estimates Named perils versus Standard mortgage special (open) perils Depreciation clause Direct loss Salvage Loss payable clause Consequential or indirect Claim settlement options loss No benefit to Bailee Payment and discharge Blanket versus specific 2.5 Connecticut laws, insurance regulations and 3.3 Claims adjustment required provisions procedures Basic types of construction Connecticut Insurance Subrogation procedures Loss valuation Information and Privacy Protection Act (38a- Alternative dispute Actual cash value 975–999a) resolution
Broad Evidence Rule Connecticut Insurance Appraisal Guaranty Association Act Replacement cost Arbitration (38a-836–853) Market value Competitive estimates Cancellation and Agreed value nonrenewal (38a-307, Mediation 308(e), 323, 324) Stated amount Negotiation Legal action against Valued policy insurer (38a-290, 307)
2.3 Policy structure Concealment or fraud 4.0 Dwelling ('02) Policy 7% Declarations (38a-307) 4.1 Characteristics and purpose Definitions Appraisal (38a-307) Connecticut Standard Fire 4.2 Coverage forms — Perils Insuring agreement or insured against clause Policy (38a-307) Basic Additional/supplementary Federal Terrorism coverage Insurance Program (15 Broad
76 CONNECTICUT DEPARTME NT OF INSURANCE
Special — Connecticut (HO 04 Commercial inland marine 74, HO 04 75, HO 04 76) conditions form 4.3 Property coverages Personal property Inland marine coverage Coverage A — Dwelling replacement cost (HO forms 04 90) Coverage B — Other Accounts receivable structures Bailee's customer Coverage C — Personal 6.0 Commercial Package Policy property Commercial articles (CPP) 10% Coverage D — Fair rental 6.1 Components of a Contractors value commercial policy equipment floater
Coverage E — Additional Common policy Electronic data living expense declarations processing
Other coverages Common policy conditions Equipment dealers
4.4 General exclusions Interline endorsements Installation floater
4.5 Conditions One or more coverage Jewelers block parts 4.6 Selected endorsements Signs 6.2 Commercial property Special provisions — Valuable papers and ('12) Connecticut (DP 01 06) records Commercial property Automatic increase in conditions form insurance (DP 04 11) Coverage forms 7.0 Businessowners ('13) Policy Dwelling under 13% construction (DP 11 43) Building and personal 7.1 Characteristics and property purpose Condominium 7.2 Businessowners Section 5.0 Homeowners ('11) Policy association 13% I — Property 5.1 Coverage forms Condominium Coverage commercial unit- HO-2 through HO-6 owners Exclusions
5.2 Definitions Builders risk Limits of insurance
5.3 Section I — Property Business income Deductibles coverages Legal liability Loss conditions Coverage A — Dwelling Extra expense General conditions Coverage B — Other structures Causes of loss forms Optional coverages
Coverage C — Personal Basic Definitions property Broad 7.3 Businessowners Section Coverage D — Loss of use III — Common Policy Special Conditions Additional coverages Selected endorsements 7.4 Selected endorsements 5.4 Perils insured against Ordinance or law Protective safeguards (BP 5.5 Exclusions coverage (CP 04 04 30) 05) 5.6 Conditions Utility services — direct Spoilage coverage damage (BP 04 56) 5.7 Selected endorsements (CP 04 40) Utility services — time Special provisions — Peak season limit of element (BP 04 57) Connecticut (HO 01 06) insurance (CP 12 30) Permitted incidental occupancies (HO 04 42) Value reporting form 8.0 Other Coverages 5% (CP 13 10) Earthquake (HO 04 54) 8.1 National Flood 6.3 Commercial inland Insurance Program Scheduled personal marine property (HO 04 61) "Write your own" versus Nationwide marine government Limited fungi, wet or dry definition rot, or bacteria coverage Eligibility
77 CONNECTICUT DEPARTME NT OF INSURANCE
Coverage Defamation of insurer Reasonable (38a-816(3)) expectations Limits Complaint handling Indemnity Deductibles (38a-816(7)) Utmost good faith 8.2 Other policies Unfair claims settlement practices (38a-816) Representations/misre Difference in conditions presentations Binders (38a-322) Warranties Cancellations (38a-307) Concealment Renewal/nonrenewal Connecticut Casualty Adjuster's (38a-323) Fraud Examination for All Lines Insurance Statute of limitations (RL Waiver and estoppel Series 18-09 52-577, 577a, 584) 2.3 Insurance principles and concepts 100 questions - 2-hour time limit Connecticut Insurance Live Date September 1, 2019 Information and Privacy Insurable interest Protection Act (38a- 975–999a) Hazards
1.0 Insurance Regulation 6% Connecticut Insurance Physical Guaranty Association Act 1.1 Licensing requirements (38a-836–853) Moral (38a-792; Reg 38a- 792-1) Legal action against Morale insurer (38a-321, 307) Qualifications (38a-769, Negligence 792) Appraisal (38a-307) Elements of a Process (38a-769, 792) negligent act Impersonation (38a-773) Defenses against 2.0 Insurance Basics 15% negligence Maintenance and duration 2.1 Insurers Damages Term of license (38a- Admitted 792(a)) Compensatory — Nonadmitted special versus Renewal (38a- general 792(a)) Stock Punitive Change in name or Mutual Absolute liability address (38a- Reciprocals 771(a)) Strict liability 2.2 Contract basics Reporting of actions Vicarious liability (38a-771(b)) Elements of a legal contract 2.4 Policy structure Disciplinary actions Offer and acceptance Declarations Cease and desist order (38a-817) Consideration Definitions
Hearings (38a-16, Competent parties Insuring agreement or 817, 818) clause Legal purpose Suspensions, Additional/supplementary Distinct characteristics of revocations, refusal coverage to issue or renew, an insurance contract Conditions fines (38a-2, 774, Contract of adhesion 792(c), 817, 830) Exclusions Aleatory contract 1.2 State and federal Endorsements regulation Personal contract 2.5 Common policy Commissioner's general Unilateral contract provisions duties and powers (38a- Conditional contract 8, 10) Insureds — named, first named, additional Unfair and prohibited Legal interpretations affecting contracts practices Policy period Ambiguities in a Misrepresentation Policy territory (38a-816(1), (8)) contract of adhesion Cancellation and nonrenewal
78 CONNECTICUT DEPARTME NT OF INSURANCE
Deductibles 3.4 Coverage problems Watercraft (HO 24 75)
Other insurance Dealing with coverage Personal injury — disputes Connecticut (HO 24 79) Nonconcurrency Reservation of rights Primary and excess letter 5.0 Auto Insurance 15% Pro rata Nonwaiver agreement 5.1 Laws Contribution by equal 3.5 Claims adjustment Connecticut Motor Vehicle shares procedures Financial Responsibility Limits of liability Settlement procedures Law
Per occurrence Advance payments Required limits of (accident) liability (RL 17-114) Draft authority Per person Required proof of Execution of releases insurance (RL 14- Aggregate — general 112(b)) versus products — Subrogation procedures completed Connecticut Automobile Alternative dispute operations Insurance Assigned Risk resolution Plan (38a-329) Split Appraisal Uninsured/underinsured Combined single Arbitration motorist (38a-336) Assignment Competitive estimates Definitions Insurer provisions Mediation Bodily injury Liberalization Negotiation UM/UIM reduction Duty to defend Required limits (Reg 38a-334–6(d)) 4.0 Homeowners ('11) Policy 3.0 Adjusting Losses 24% 13% Conversion coverage (38a-336a) 3.1 Role of the adjuster 4.1 Coverage forms Aftermarket parts Duties and responsibilities HO-2 through HO-6 regulation (38a-355)
Casualty adjuster versus 4.2 Definitions Constructive total loss public adjuster 4.3 Section II — Liability (38a-353) Relationship to the legal coverages Arbitration (Reg 38a-10- profession Coverage E — Personal 1–4) 3.2 Claim reporting liability Disclosure of automobile Claim investigation Coverage F — Medical liability insurance policy payments to others limits (38a-335a) Claim file documentation of events Additional coverages 5.2 Personal ('05) auto policy Types of records 4.4 Exclusions Definitions Initial or first field 4.5 Conditions Liability coverage Interim or status 4.6 Selected endorsements Bodily injury and Full formal Special provisions — property damage Connecticut (HO 01 06) 3.3 Liability losses Supplementary Permitted incidental payments Investigation procedures occupancies — residence Exclusions Verify coverage premises (HO 04 42) Medical payments Determine liability Limited fungi, wet or dry rot, or bacteria coverage coverage Gathering evidence — Connecticut (HO 04 Uninsured motorists 74, HO 04 75, HO 04 76) Physical evidence coverage Home day care (HO 04 Witness statements Coverage for damage to 97) your auto Determining value of Business pursuits (HO 24 Collision intangible damages 71) Other than collision
79 CONNECTICUT DEPARTME NT OF INSURANCE
Deductibles One or more coverage Forgery or alteration parts Transportation Inside the premises — expenses 6.2 Commercial general theft of money and liability ('13) securities Exclusions Commercial general Inside the premises — Duties after an accident or liability coverage forms robbery or safe loss burglary of other Bodily injury and property General provisions property damage Selected endorsements liability Outside the premises
Amendment of policy Personal and Computer fraud advertising injury provisions — Funds transfer fraud Connecticut (PP 01 liability 54) Medical payments Money orders and counterfeit money Towing and labor Exclusions costs (PP 03 03) Other crime coverages Supplementary Extended non-owned payments Extortion — coverage — vehicles commercial entities furnished or Who is an insured (CR 04 03) available for regular use (PP 03 06) Limits of insurance Lessees of safe deposit boxes (CR Miscellaneous type Conditions 04 09) vehicle (PP 03 23) Definitions Securities deposited Joint ownership Occurrence versus claims- with others (CR 04 coverage — made 10) Connecticut (PP 13 45) Claims-made features Guests' property (CR (Connecticut minimum 04 11) 5.3 Commercial auto ('10) standards) (Reg 38a- Safe depository (CR Commercial auto coverage 327-1–6) 04 12) forms Trigger Business auto Retroactive date 7.0 Businessowners ('13) Policy Garage Extended reporting 5% Business auto physical periods 7.1 Characteristics and purpose damage Claim information 7.2 Businessowners Section Coverage form sections Premises and operations II — Liability Covered autos Products and completed Coverages Liability coverage operations Exclusions Garagekeepers Insured contract Who is an insured coverage Owners and contractors Physical damage protective liability Limits of insurance coverage coverage form (CG 00 09) General conditions Exclusions 6.3 Commercial crime ('06) Definitions Conditions General definitions 7.3 Businessowners Section Definitions III — Common Policy Burglary Conditions
Theft 7.4 Selected endorsements 6.0 Commercial Package Policy Robbery (CPP) 10% Hired auto and non-owned auto liability (BP 04 04) 6.1 Components of a Crime coverage forms commercial policy Commercial crime Common policy coverage forms 8.0 Workers Compensation declarations (discovery/loss Insurance 10% sustained) Common policy conditions 8.1 Workers compensation Coverages laws Interline endorsements Employee theft Types of laws
80 CONNECTICUT DEPARTME NT OF INSURANCE
Monopolistic versus General section Maintenance and duration competitive Part One — Workers Term of license (38a- Compulsory versus compensation insurance 792(a)) elective Part Two — Employers Renewal (38a- Connecticut Workers liability insurance 792(a)) Compensation Law (Title 31 Chapter 568) Part Three — Other states Change in name or insurance address (38a- Exclusive remedy (RL 771(a)) 31-284(a), 293a) Part Four — Your duties if injury occurs Reporting of actions Employment covered (38a-771(b)) (required, Part Five — Premium Disciplinary actions voluntary) (RL 31- Part Six — Conditions 275(9), (10)) Cease and desist Selected endorsements Covered injuries (RL order (38a-817) 31-275(1), (16), Voluntary Hearings (38a-16, 284(a), 294c, 295) compensation 817, 818)
Occupational disease Foreign coverage Suspensions, (RL 31-275(15)) endorsement revocations, refusal Benefits provided (RL to issue or renew, 31-275(12), 283a, fines (38a-2, 774, 295, 306, 306b, 9.0 Other Coverages 2% 792(c), 817, 830) 307, 308, 308a) 9.1 Umbrella/excess 1.2 State and federal liability policies Subrogation (RL 31- regulation 293) Personal (DL 98 01) Commissioner's general duties and powers (38a- Bars to recovery (RL Commercial (CU 00 01) 31-284(a)) 8, 10) 9.2 Specialty liability Unfair and prohibited Average weekly wage insurance (RL 31-309, 310) practices Professional liability Notice of injury and Misrepresentation claim (RL 31-294b, Errors and omissions (38a-816(1), (8)) 294c) Directors and officers Defamation of insurer Medical examination liability (38a-816(3)) (RL 31-294d, 294e, Fiduciary liability Complaint handling 294f, 312) (38a-816(7)) Liquor liability Managed care (RL 31- Unfair claims settlement 279) Employment practices practices (38a-816) liability Compensation Binders (38a-322) agreements and disputed claims (RL Cancellations (38a-307) 31-284c, 296–298) Renewal/nonrenewal Second injury fund Connecticut Casualty Adjuster's (38a-323) (RL 31-349, 352- Examination for All Lines Statute of limitations (RL 355b) Insurance Except Workers 52-577, 577a, 584) Compensation Federal workers Series 18-10 compensation laws Connecticut Insurance Information and Privacy Federal Employers 100 questions - 2-hour time limit Protection Act (38a- Liability Act (FELA) Live Date September 1, 2019 975–999a) (45 USC 51–60) Connecticut Insurance U.S. Longshore and Guaranty Association Act 1.0 Insurance Regulation 6% Harbor Workers (38a-836–853) Compensation Act 1.1 Licensing requirements (33 USC 904) (38a-792; Reg 38a- Legal action against 792-1) insurer (38a-321, 307) The Jones Act (46 USC 688) Qualifications (38a-769, Appraisal (38a-307) 792) 8.2 Workers compensation and employers liability Process (38a-769, 792) 2.0 Insurance Basics 15% insurance policy Impersonation (38a-773) 2.1 Insurers
81 CONNECTICUT DEPARTME NT OF INSURANCE
Admitted Compensatory — 3.0 Adjusting Losses 27% special versus 3.1 Role of the adjuster Nonadmitted general Duties and responsibilities Stock Punitive Staff and independent Mutual Absolute liability adjuster versus public Reciprocals Strict liability adjuster
2.2 Contract basics Vicarious liability Relationship to the legal profession Elements of a legal 2.4 Policy structure contract 3.2 Claim reporting Declarations Offer and acceptance Claim investigation Definitions Consideration Claim file documentation of Insuring agreement or events Competent parties clause Types of records Legal purpose Additional/supplementary Initial or first field Distinct characteristics of coverage an insurance contract Conditions Interim or status
Contract of adhesion Exclusions Full formal
Aleatory contract Endorsements 3.3 Liability losses
Personal contract 2.5 Common policy Investigation procedures provisions Unilateral contract Verify coverage Insureds — named, first Conditional contract Determine liability named, additional Legal interpretations Gathering evidence affecting contracts Policy period Physical evidence Ambiguities in a Policy territory Witness statements contract of adhesion Cancellation and Reasonable nonrenewal Determining value of intangible damages expectations Deductibles 3.4 Coverage problems Indemnity Other insurance Dealing with coverage Utmost good faith Nonconcurrency disputes Representations/misre Primary and excess presentations Reservation of rights Pro rata letter Warranties Contribution by equal Nonwaiver agreement Concealment shares 3.5 Claims adjustment Fraud Limits of liability procedures
Waiver and estoppel Per occurrence Settlement procedures (accident) 2.3 Insurance principles Advance payments and concepts Per person Draft authority Insurable interest Aggregate — general Execution of releases Hazards versus products — completed Subrogation procedures Physical operations Alternative dispute Moral Split resolution
Morale Combined single Appraisal
Negligence Assignment Arbitration
Elements of a Insurer provisions Competitive estimates negligent act Liberalization Mediation Defenses against negligence Duty to defend Negotiation Damages
82 CONNECTICUT DEPARTME NT OF INSURANCE
4.0 Homeowners ('11) Policy Conversion coverage 5.3 Commercial auto ('10) 13% (38a-336a) Commercial auto coverage 4.1 Coverage forms Aftermarket parts forms regulation (38a-355) HO-2 through HO-6 Business auto Constructive total loss 4.2 Definitions (38a-353) Garage 4.3 Section II — Liability Arbitration (Reg 38a-10- Business auto physical coverages 1–4) damage Coverage E — Personal Disclosure of automobile Coverage form sections liability liability insurance policy Covered autos Coverage F — Medical limits (38a-335a) payments to others Liability coverage 5.2 Personal ('05) auto Additional coverages policy Garagekeepers coverage 4.4 Exclusions Definitions Physical damage 4.5 Conditions Liability coverage coverage
4.6 Selected endorsements Bodily injury and Exclusions property damage Special provisions — Conditions Connecticut (HO 01 06) Supplementary payments Definitions Permitted incidental occupancies — residence Exclusions premises (HO 04 42) Medical payments 6.0 Commercial Package Policy Limited fungi, wet or dry coverage (CPP) 12% rot, or bacteria coverage Uninsured motorists 6.1 Components of a — Connecticut (HO 04 coverage commercial policy 74, HO 04 75, HO 04 76) Coverage for damage to Common policy Home day care (HO 04 your auto declarations 97) Collision Common policy conditions Business pursuits (HO 24 71) Other than collision Interline endorsements
Watercraft (HO 24 75) Deductibles One or more coverage parts Personal injury — Transportation Connecticut (HO 24 79) expenses 6.2 Commercial general liability ('13) Exclusions Commercial general 5.0 Auto Insurance 20% Duties after an accident or liability coverage forms 5.1 Laws loss Bodily injury and Connecticut Motor Vehicle General provisions property damage liability Financial Responsibility Selected endorsements Law Personal and Amendment of policy advertising injury Required limits of provisions — liability liability (RL 17-114) Connecticut (PP 01 Required proof of 54) Medical payments insurance (RL 14- Towing and labor Exclusions 112(b)) costs (PP 03 03) Supplementary Connecticut Automobile Extended non-owned payments Insurance Assigned Risk coverage — vehicles Plan (38a-329) furnished or Who is an insured available for regular Uninsured/underinsured Limits of insurance motorist (38a-336) use (PP 03 06) Conditions Definitions Miscellaneous type vehicle (PP 03 23) Definitions Bodily injury Joint ownership Occurrence versus claims- UM/UIM reduction coverage — made Connecticut (PP 13 Required limits (Reg 45) Claims-made features 38a-334–6(d)) (Connecticut minimum
83 CONNECTICUT DEPARTME NT OF INSURANCE
standards) (Reg 38a- Safe depository (CR 1.1 Licensing requirements 327-1–6) 04 12) (38a-792; Reg 38a- 792-1) Trigger Qualifications (38a-769, Retroactive date 7.0 Businessowners ('13) Policy 792) 5% Extended reporting Process (38a-769, 792) periods 7.1 Characteristics and purpose Impersonation (38a-773) Claim information 7.2 Businessowners Section Maintenance and duration Premises and operations II — Liability Term of license (38a- Products and completed Coverages 792(a)) operations Exclusions Renewal (38a- Insured contract 792(a)) Who is an insured Owners and contractors Change in name or Limits of insurance protective liability address (38a- coverage form (CG 00 General conditions 771(a)) 09) Definitions Reporting of actions 6.3 Commercial crime ('06) (38a-771(b)) 7.3 Businessowners Section General definitions III — Common Policy Disciplinary actions Conditions Burglary Cease and desist Theft 7.4 Selected endorsements order (38a-817)
Robbery Hired auto and non-owned Hearings (38a-16, auto liability (BP 04 04) 817, 818) Crime coverage forms Suspensions, Commercial crime revocations, refusal coverage forms 8.0 Other Coverages 2% to issue or renew, (discovery/loss 8.1 Umbrella/excess fines (38a-2, 774, sustained) liability policies 792(c), 817, 830)
Coverages Personal (DL 98 01) 1.2 State and federal regulation Employee theft Commercial (CU 00 01) Workers Compensation Forgery or alteration 8.2 Specialty liability Commissioner's general Inside the premises — insurance duties and powers (RL 31-278) theft of money and Professional liability securities Insurance Commissioner's Errors and omissions Inside the premises — general duties and robbery or safe Directors and officers powers (38a-8, 10) burglary of other liability Insurers property Fiduciary liability Stock, mutual and Outside the premises Liquor liability reciprocals (38a-1) Computer fraud Employment practices Unfair and prohibited Funds transfer fraud liability practices
Money orders and Misrepresentation counterfeit money (38a-816(1), (8))
Other crime coverages Defamation of insurer Connecticut Casualty Adjuster's (38a-816(3)) Extortion — Examination for Workers commercial entities Complaint handling Compensation Insurance (38a-816(7)) (CR 04 03) Series 18-11 Lessees of safe Unfair claims settlement deposit boxes (CR 60 questions - 1-hour time limit practices (38a-816) Live Date September 1, 2019 04 09) Binders (38a-322)
Securities deposited Cancellations (38a-307) with others (CR 04 1.0 Insurance Regulation 6% 10) Renewal/nonrenewal (38a-323) Guests' property (CR 04 11)
84 CONNECTICUT DEPARTME NT OF INSURANCE
Connecticut Insurance Federal Employers Representations/misre Information and Privacy Liability Act (FELA) presentations Protection Act (38a- (45 USC 51–60) 975–999a) Warranties U.S. Longshore and Harbor Workers Concealment Compensation Act Fraud 2.0 Workers Compensation (33 USC 904) Insurance 45% 3.3 Negligence The Jones Act (46 2.1 Workers compensation USC 688) Elements of a negligent act laws 2.2 Workers compensation Defenses against Types of laws and employers liability negligence Monopolistic versus insurance policy Absolute liability competitive General section Strict liability Compulsory versus Part One — Workers elective compensation insurance Vicarious liability Connecticut Workers Part Two — Employers 3.4 Controlling medical Compensation Law (Title liability insurance costs 31 Chapter 568) Part Three — Other states Managed care Exclusive remedy (RL insurance 31-284(a), 293a) Utilization review Part Four — Your duties if Employment covered Inpatient services injury occurs (required, Outpatient services voluntary) (RL 31- Part Five — Premium 275(9), (10)) Hospital bill auditing Part Six — Conditions Covered injuries (RL Designated provider 31-275(1), (16), Selected endorsements 284(a), 294c, 295) 3.5 Investigation and Voluntary evaluation Occupational disease compensation (RL 31-275(15)) Compensability Foreign coverage Benefits provided (RL endorsement Employee/non- 31-275(12), 283a, employee
295, 306, 306b, Arising out of 307, 308, 308a) 3.0 Workers Compensation Claim employment Subrogation (RL 31- Principles 39% Arising in the course 293) 3.1 Role of the adjuster of employment Bars to recovery (RL Duties and responsibilities Documentation 31-284(a)) Relationship to the legal First report of injury Average weekly wage profession (RL 31-309, 310) Claimant statement 3.2 Contract basics Notice of injury and Insured's records claim (RL 31-294b, Elements of a legal 294c) contract Witness statements
Medical examination Offer and acceptance Current activity reports (RL 31-294d, 294e, Consideration 294f, 312) Medical determination Competent parties Managed care (RL 31- Medical authorization 279) Legal purpose Diagnosis Compensation Distinct characteristics of agreements and an insurance contract Prognosis disputed claims (RL 31-284c, 296–298) Contract of adhesion Independent Medical Examinations (IMEs) Second injury fund Aleatory contract 3.6 Claim reserves (RL 31-349, 352- Personal contract 355b) Components Unilateral contract Federal workers Indemnity compensation laws Conditional contract Medical Utmost good faith
85 CONNECTICUT DEPARTME NT OF INSURANCE
Expense Laboratory 1.2 State and federal regulation Factors affecting reserves Radiography (X-ray) Commissioner's general Reserving techniques Magnetic resonance duties and powers (38a- imaging (MRI) Individual case 8, 10) method Computerized tomography Unfair and prohibited (CT or CAT) Formula method practices Electromyography (EMG) Round-table technique Misrepresentation Nerve conduction studies (38a-816(1), (8)) 3.7 Claims management Myelography Defamation of insurer Analysis (38a-816(3)) Arthroscopy On-site inspections Complaint handling Electrocardiogram (EKG or (38a-816(7)) Selecting an ECG) evaluating physician Unfair claims settlement Electroencephalography practices (38a-816) Physician evaluation (EEG) Binders (38a-322) Disposition Cancellations (38a-307) Litigation management Renewal/nonrenewal Settlement negotiation Connecticut Casualty Adjuster's (38a-323) Examination for Auto Insurance Statute of limitations (RL Only 52-577, 577a, 584) 4.0 Understanding the Language Series 18-12 of Medical Reports 10% Connecticut Insurance 4.1 Medical terminology 60 questions - 1-hour time limit Information and Privacy and abbreviations Live Date September 1, 2019 Protection Act (38a- 975–999a) Location terms Connecticut Insurance Movement terms 1.0 Insurance Regulation 6% Guaranty Association Act (38a-836–853) Prefixes, suffixes and root 1.1 Licensing requirements words (38a-792; Reg 38a- 792-1) Legal action against insurer (38a-321, 307) Abbreviations used in medical reports Qualifications (38a-769, 792) Medical specialties Process (38a-769, 792) 2.0 Insurance Basics 20% 4.2 Basic human anatomy 2.1 Insurers Impersonation (38a-773) Skeletal structure Admitted Maintenance and duration Nervous system Nonadmitted Term of license (38a- Respiratory system 792(a)) Stock
Cardiovascular system Renewal (38a- Mutual 792(a)) Abdominal organs Reciprocals Change in name or 4.3 Common occupational address (38a- 2.2 Contract basics injuries and disease 771(a)) Elements of a legal Strains and sprains Reporting of actions contract Dislocations (38a-771(b)) Offer and acceptance
Fractures Disciplinary actions Consideration
Soft tissue injuries Cease and desist Competent parties order (38a-817) Brain injuries Legal purpose Hearings (38a-16, Burn classifications 817, 818) Distinct characteristics of an insurance contract Cumulative trauma Suspensions, revocations, refusal Contract of adhesion Repetitive motion injuries to issue or renew, Aleatory contract Lung diseases fines (38a-2, 774, 792(c), 817, 830) Personal contract 4.4 Medical tests
86 CONNECTICUT DEPARTME NT OF INSURANCE
Unilateral contract Pro rata Nonwaiver agreement
Conditional contract Contribution by equal 3.5 Claims adjustment shares procedures Legal interpretations affecting contracts Limits of liability Settlement procedures
Ambiguities in a Per occurrence Advance payments contract of adhesion (accident) Draft authority Reasonable Per person expectations Execution of releases Aggregate — general Indemnity versus products — Subrogation procedures completed Utmost good faith Alternative dispute operations resolution Representations/misre Split presentations Appraisal Combined single Warranties Arbitration Assignment Concealment Competitive estimates Insurer provisions Fraud Mediation Liberalization Waiver and estoppel Negotiation Duty to defend 2.3 Insurance principles and concepts 4.0 Auto Insurance 35% Insurable interest 3.0 Adjusting Losses 39% 4.1 Laws Hazards 3.1 Role of the adjuster Connecticut Motor Vehicle Financial Responsibility Physical Duties and responsibilities Law Moral Staff and independent adjuster versus public Required limits of Morale adjuster liability (RL 17-114) Negligence Relationship to the legal Required proof of profession insurance (RL 14- Elements of a 112(b)) negligent act 3.2 Claim reporting Connecticut Automobile Defenses against Claim investigation Insurance Assigned Risk negligence Plan (38a-329) Claim file documentation of Damages events Uninsured/underinsured motorist (38a-336) Compensatory — Types of records special versus Definitions general Initial or first field Bodily injury Punitive Interim or status UM/UIM reduction Absolute liability Full formal Required limits (Reg Strict liability 3.3 Liability losses 38a-334–6(d))
Vicarious liability Investigation procedures Conversion coverage (38a-336a) 2.4 Common policy Verify coverage provisions Determine liability Aftermarket parts regulation (38a-355) Insureds — named, first Gathering evidence named, additional Constructive total loss Physical evidence (38a-353) Policy period Witness statements Arbitration (Reg 38a-10- Policy territory 1–4) Determining value of Cancellation and intangible damages Disclosure of automobile nonrenewal liability insurance policy 3.4 Coverage problems Deductibles limits (38a-335a) Dealing with coverage Other insurance 4.2 Personal ('05) auto disputes policy Nonconcurrency Reservation of rights Definitions Primary and excess letter
87 CONNECTICUT DEPARTME NT OF INSURANCE
Liability coverage Physical damage Misrepresentation coverage (38a-816(1),(8)) Bodily injury and property damage Exclusions False advertising (38a-816(1),(2)) Supplementary Conditions payments Defamation of insurer Definitions (38a-816(3)) Exclusions Boycott, coercion and Medical payments intimidation (38a- coverage 816(4))
Uninsured motorists Connecticut Surety Bail Bond Unfair discrimination coverage Agent's Examination (38a- Series 18-13 Coverage for damage to 816(12,13,14)) your auto 60 questions - 1-hour time limit Rebating (38a- Collision Live Date September 1, 2019 660j(3-5)(38a- 825))) Other than collision
Deductibles 1.0 Insurance Regulation 12% 1.1 Licensing (38a-660, 2.0 The Legal Framework 19% Transportation 769; Reg 38a-660-1– 2.1 Authority expenses 7) Express Exclusions Commissioner's general Implied Duties after an accident or duties and powers (38a- loss 8) Apparent
General provisions Process 2.2 Contracts
Selected endorsements Persons to be licensed Elements of a legal contract Amendment of policy Types of bail bond agents provisions — Professional bond Offer and acceptance Connecticut (PP 01 agent 54) Consideration Surety bail bond agent Towing and labor Competent parties (38a-660(a)(9)) costs (PP 03 03) Legal purpose Requirements (38a- Extended non-owned 660(e–h)) Concealment coverage — vehicles furnished or Appointment (38a- Fraud available for regular 660(f)(1-3) use (PP 03 06) 2.3 Terminology Maintenance and duration Miscellaneous type Acquit vehicle (PP 03 23) Renewal (38a- 660(l)(38a-769(g)); Adjudicate Joint ownership Bail piece coverage — Change in name or Connecticut (PP 13 address (38a- Capital offense 45) 660(m)(1-2)) Conviction 4.3 Commercial auto ('06) Disciplinary actions Custody Commercial auto coverage Disqualification (38a- forms 660(a)(3)(38a- Defendant 660(h)(3)) Business auto Disposition Suspensions, Garage revocations, fines Extradition (38a-2)(38a- Business auto physical Exoneration 660l)(38a-774) damage Felony 1.2 Agent regulation Coverage form sections Fugitive Record maintenance and Covered autos examination (38a- Hearing Liability coverage 660d)(38a-660e)(38a- 660g(g)(3)(38a-660(k)) Incarceration Garagekeepers Indictment coverage Unfair and prohibited practices Misdemeanor
88 CONNECTICUT DEPARTME NT OF INSURANCE
Mittimus After conviction — fines (38a-774, 790(b), stay of execution 817, 830) Recognizance (CR 43-2; 54-63f) 1.5 Unfair claim settlement Suspend Pending appeal practices (38a-816)
Warrant Failure to appear Writ Revocation of the right to 2.0 Insurance Basics 15% bail 2.1 Insurance principles 3.6 Release of surety (CR and concepts 3.0 Bail Bond Principles and 38-23; 54-65a) Practices 69% Insurable interest 3.7 Surrender of principal 3.1 Parties to a surety bond Hazards (defendant) Principal Causes of loss (perils) Exoneration of bond Indemnitor for Direct loss principal Return of premium Consequential or indirect Return of collateral Indemnity agreement loss 3.8 Bond forfeiture (CR 38- Obligee Valuation 19–23; 54-65a) Surety Actual cash value Notice to defendant and 3.2 Duties of bail bond sureties Replacement cost agent Judgment Market value Premium receipt Dispersal of funds (54-72) Stated amount Power of attorney Arrest after forfeiture 2.2 Common policy Collateral and trust provisions obligations One year rule (54-65a(b)) Insureds — named, first
3.3 Types of bonds named, additional
Criminal defendant bonds Cancellation and nonrenewal Surety bail bond Connecticut Motor Vehicle Physical Damage Appraiser's Nonsurety/cash (CR Deductibles Examination 38-7; 54-63f, 66) Series 18-16 Policy limits Ten percent surety Insurer provisions (CR 38-8) 60 questions - 1-hour time limit Live Date September 1, 2019 Subrogation Real estate property (CR 38-9; 54-66) Salvage
3.4 Procedure 1.0 Insurance Regulation 5% Claim settlement options Application for bond 1.1 Authority of the (surety/defendant Insurance 2.3 Connecticut laws, contract) Commissioner (38a-8) regulations and required provisions Collateral security 1.2 Licensing requirements Qualifications Connecticut Insurance Surety contract Information and Privacy Posting the bond Process (38a-769, 790) Protection Act (38a- 975–999a) Informational notice Display (Reg 38a-790-2, 4, 6, 7) Legal action against 3.5 Court procedures insurer (38a-290) 1.3 Maintenance and Court appearances duration Concealment or fraud
Arraignment (CR 37- Renewal (38a-790(a)) Arbitration (Reg 38a-10- 1–6; 54-53) 1–4) Examination of books and Trial records (38a-769(f))
Appeal Change in name or 3.0 Auto Insurance 10% address (38a-771) Conditions of release (CR 3.1 Laws 38-1–5; 54-63b, 63c) 1.4 Disciplinary actions Illegal declination, Prior to trial Suspensions, revocations, cancellation or refusal to issue or renew,
89 CONNECTICUT DEPARTME NT OF INSURANCE
nonrenewal (38a-358, Partial loss versus total Glass 815, 816(9), 817(b)) loss Tires Aftermarket parts Constructive total loss regulation (38a-355) Interior 4.4 Vehicle inspection Constructive total loss Paint (38a-353) Proper vehicle identification and options 4.6 Handling auto theft 3.2 Personal ('05) auto ID losses policy Checklist information 4.7 Auto arson and fraud Definitions Evaluate with regard to Coverage for damage to circumstances of your auto accident
Collision Estimate of repairs form Connecticut Producer's Examination for Personal Lines Other than collision 4.5 Vehicle parts and Insurance construction Series 18-18 Deductibles Body Transportation 100 questions - 2-hour time limit expenses Front end Live Date September 1, 2019
Exclusions Rear body
General provisions Quarter panels 1.0 Insurance Regulation 9% 1.1 Licensing Selected endorsements Doors Process (38a-702d, 702e, Towing and labor Roof 769) costs (PP 03 03) Bumpers/urethane Types of licensees (38a- Miscellaneous type repairs 702f(a), 769) vehicle (PP 03 23) Lamps Resident producers
Cowl (38a-702d) 4.0 Appraising Auto Physical Firewall Certified insurance Damage Claims 70% consultants (38a- 4.1 Role of the appraiser Floor pan 731–733, 786)
Duties and responsibilities Rocker panels Nonresident producers (Reg 38a-790-3–8) (38a-702g, 702n) Pillars Relationship to adjusters Temporary (38a- Substructure 702j) 4.2 Duties of insured after a Frame loss Maintenance and duration Unibody Notice to insurer Renewal (38a- Mechanical 702f(b)(c), 784, Minimizing the loss 786(b)) Engine Inspection and appraisal of Change in name or vehicle Cooling system address (38a- 702f(f), 771(a)) Special requirements Electrical system/computers 4.3 Determining value and Reporting of actions (38a-702o, 771(b)) loss Exhaust system Assumed names Adjustment procedures Fuel system (38a-702i) Salvage Heating and air Continuing education conditioning Appraisal requirements, systems exemptions and Depreciation Brakes/ABS penalties (Reg 38a- Repair or replacement 782a-2, 10, 12–17) Steering Repair options and Disciplinary actions Suspension procedures Cease and desist Transmission "Like kind and quality" order (38a-817) Air bags/SRS (seat Aftermarket parts Hearings (38a-16, belts) 817, 818)
90 CONNECTICUT DEPARTME NT OF INSURANCE
Suspensions, Examination of books and Marketing (distribution) revocations, refusal records (38a-769(f)) systems to issue or renew, fines (38a-2, 702k, Connecticut Insurance 2.3 Producers and general 735, 774, 777, 817, Information and Privacy rules of agency 830) Protection Act (38a- 975–999a) Insurer as principal 1.2 State regulation 1.3 Federal regulation Producer/insurer Commissioner's general relationship duties and powers (38a- Fair Credit Reporting Act (15 USC 1681–1681d) Authority and powers of 8, 10) producers Company regulation Fraud and false statements (18 USC 1033, 1034) Express Certificate of authority Implied (38a-41) Apparent Capital and surplus 2.0 General Insurance 9% requirement (38a- 2.1 Concepts 2.4 Contracts 72) Risk management key Elements of a legal Unfair claim terms contract settlement practices (38a-816) Risk Offer and acceptance
Producer regulation Exposure Consideration
Controlled business Hazard Competent parties (38a-782) Peril Legal purpose Commissions (38a- Loss Distinct characteristics of 702l, 734) an insurance contract Methods of handling risk Acting as an agent Contract of adhesion (38a-702m) Avoidance Aleatory contract Representing an Retention unauthorized insurer Personal contract (38a-275, 703, 714) Sharing Unilateral contract Failure to remit Reduction premiums (38a- Conditional contract Transfer 712) Legal interpretations Elements of insurable risks Unfair and prohibited affecting contracts practices Adverse selection Ambiguities in a contract of adhesion Misrepresentation Law of large numbers (38a-816(1), (8)) Reasonable Reinsurance False advertising expectations 2.2 Insurers (38a-816(1), (2)) Indemnity Types of insurers Defamation of insurer Utmost good faith (38a-816(3)) Stock companies Representations/misre Boycott, coercion and Mutual companies presentations intimidation (38a- 816(4)) Fraternal benefit Warranties societies False financial Concealment statements (38a- Lloyd's associations Fraud 816(5)) Risk retention groups Waiver and estoppel Failure to maintain Private versus government complaint record (38a-816(7)) insurers 3.0 Property and Casualty Unfair discrimination Admitted versus Insurance Basics 17% (38a-816(12), (13)) nonadmitted insurers 3.1 Principles and concepts Rebating (38a- Domestic, foreign and alien 816(9), 825) insurers Insurable interest Twisting (38a-826) Financial status Underwriting (independent rating services) Function
91 CONNECTICUT DEPARTME NT OF INSURANCE
Loss ratio Conditions Connecticut Insurance Guaranty Association Act Rates Exclusions (38a-836–853)
Types Endorsements Cancellation and Loss costs 3.3 Common policy nonrenewal (38a-307, provisions 308(e), 323) Components Insureds — named, first Binders (38a-309, 322) Hazards named, additional Legal action against Physical Policy period insurer (38a-290, 307)
Moral Policy territory Concealment or fraud (38a-307) Morale Cancellation and Appraisal (38a-307) Negligence nonrenewal Deductibles Availability of insurance on Elements of a real property regardless negligent act Other insurance of location (Reg 38a- 824-1–3) Defenses against Nonconcurrency negligence Connecticut Standard Fire Primary and excess Damages Policy (38a-307) Pro rata Compensatory — Connecticut FAIR Plan special versus Limits of liability (Reg 38a-328-1–20) general Per occurrence Federal Terrorism Punitive (accident) Insurance Program (15 USC 6701; Public Law Absolute liability Per person 107–297, 109–144, 110–160) Strict liability Split
Vicarious liability Combined single 4.0 Dwelling ('02) Policy 7% Causes of loss (perils) Restoration/nonreduction of limits 4.1 Characteristics and Named perils versus purpose special (open) perils Coinsurance 4.2 Coverage forms — Perils Direct loss Vacancy or unoccupancy insured against
Consequential or indirect Named insured provisions Basic loss Duties after loss Broad Blanket versus specific insurance Assignment Special
Basic types of construction Abandonment 4.3 Property coverages
Loss valuation Insurer provisions Coverage A — Dwelling
Actual cash value Liberalization Coverage B — Other structures Replacement cost Subrogation Coverage C — Personal Salvage Functional property replacement cost Claim settlement Coverage D — Fair rental options Market value value Duty to defend Agreed value Coverage E — Additional living expense Stated amount Third-party provisions Other coverages Valued policy Standard mortgage clause 4.4 General exclusions 3.2 Policy structure Loss payable clause 4.5 Conditions Declarations No benefit to the 4.6 Selected endorsements Definitions Bailee Special provisions — Insuring agreement or 3.4 Connecticut laws, Connecticut (DP 01 06) clause regulations and required provisions Automatic increase in Additional/supplementary insurance (DP 04 11) coverage
92 CONNECTICUT DEPARTME NT OF INSURANCE
Dwelling under Watercraft (HO 24 75) Supplementary construction (DP 11 43) payments Personal injury — 4.7 Personal liability Connecticut (HO 24 79) Exclusions supplement Medical payments coverage 6.0 Auto Insurance 26% Uninsured motorists 5.0 Homeowners ('11) Policy 6.1 Laws 25% coverage Connecticut Motor Vehicle 5.1 Coverage forms Coverage for damage to Financial Responsibility your auto HO-2 through HO-6 Law Collision 5.2 Definitions Required limits of liability (RL 17-114) Other than collision 5.3 Section I — Property coverages Required proof of Deductibles insurance (RL 14- Coverage A — Dwelling 112(b)) Transportation expenses Coverage B — Other Connecticut Automobile structures Insurance Assigned Risk Exclusions Plan (38a-329) Coverage C — Personal Duties after an accident or property Uninsured/underinsured loss motorist (38a-336) Coverage D — Loss of use General provisions Definitions Additional coverages Selected endorsements Bodily injury 5.4 Section II — Liability Amendment of policy coverages UM/UIM reduction provisions — Connecticut (PP 01 Coverage E — Personal Required limits (Reg 54) liability 38a-334–6(d)) Towing and labor Coverage F — Medical Conversion coverage costs (PP 03 03) payments to others (38a-336a) Extended non-owned Additional coverages Cancellation/nonrenewal coverage — vehicles furnished or 5.5 Perils insured against Reasons (38a-342) available for regular 5.6 Exclusions Notice (38a-343, use (PP 03 06) 344) 5.7 Conditions Miscellaneous type vehicle (PP 03 23) 5.8 Selected endorsements Notice of eligibility in assigned risk plan Joint ownership Special provisions — (38a-345) coverage — Connecticut (HO 01 06) Illegal declination, Connecticut (PP 13 Permitted incidental cancellation or 45) occupancies — residence nonrenewal (38a-358,
premises (HO 04 42) 815, 816(9), 817(b))
Earthquake (HO 04 54) Aftermarket parts 7.0 Other Coverages and Options regulation (38a-355) 7% Scheduled personal 7.1 Personal umbrella property (HO 04 61) Constructive total loss policy (38a-353) Limited fungi, wet or dry 7.2 National Flood rot, or bacteria coverage Arbitration (Reg 38a-10- Insurance Program — Connecticut (HO 04 1–4) 74, HO 04 75, HO 04 76) "Write your own" versus Disclosure of automobile government Personal property liability insurance policy replacement cost (HO limits (38a-335a) Eligibility 04 90) 6.2 Personal ('05) auto Coverage Home day care (HO 04 policy 97) Limits Definitions Home business — Deductibles Liability coverage Connecticut (HO 07 05) 7.3 Other policies Bodily injury and Business pursuits (HO 24 Boatowners 71) property damage
93 CONNECTICUT DEPARTME NT OF INSURANCE
Company regulation
Connecticut Producer's Certificate of authority 2.0 General Insurance 7% (38a-41) Examination for Property 2.1 Concepts Insurance Capital and surplus Risk management key Series 18-19 requirement (38a- terms 72) 100 questions - 2-hour time limit Risk Live Date September 1, 2019 Unfair claim settlement practices Exposure (38a-816) Hazard 1.0 Insurance Regulation 8% Producer regulation 1.1 Licensing Peril Controlled business Process (38a-702d, 702e, (38a-782) Loss 769) Commissions (38a- Methods of handling risk 702l, 734) Types of licensees (38a- Avoidance 702f(a), 769) Acting as an agent Retention Resident producers (38a-702m) (38a-702d) Sharing Representing an Certified insurance unauthorized insurer Reduction consultants (38a- (38a-275, 703, 714) 731–733, 786) Transfer Failure to remit Nonresident producers premiums (38a- Elements of insurable risks 712) (38a-702g, 702n) Adverse selection Unfair and prohibited Temporary (38a- Law of large numbers 702j) practices Reinsurance Maintenance and duration Misrepresentation (38a-816(1), (8)) 2.2 Insurers Renewal (38a- 702f(b)(c), 784, False advertising Types of insurers 786(b)) (38a-816(1), (2)) Stock companies Change in name or Defamation of insurer address (38a- (38a-816(3)) Mutual companies 702f(f), 771(a)) Boycott, coercion and Fraternal benefit Reporting of actions intimidation (38a- societies (38a-702o, 771(b)) 816(4)) Lloyd's associations
Assumed names False financial Risk retention groups (38a-702i) statements (38a- 816(5)) Private versus government Continuing education insurers requirements, Failure to maintain exemptions and complaint record Admitted versus penalties (Reg 38a- (38a-816(7)) nonadmitted insurers 782a-2, 10, 12–17) Unfair discrimination Domestic, foreign and alien Disciplinary actions (38a-816(12), (13)) insurers
Cease and desist Rebating (38a- Financial status order (38a-817) 816(9), 825) (independent rating services) Hearings (38a-16, Twisting (38a-826) 817, 818) Marketing (distribution) Examination of books and systems Suspensions, records (38a-769(f)) revocations, refusal 2.3 Producers and general Connecticut Insurance to issue or renew, rules of agency Information and Privacy fines (38a-2, 702k, Protection Act (38a- 735, 774, 777, 817, Insurer as principal 975–999a) 830) Producer/insurer 1.3 Federal regulation 1.2 State regulation relationship Fair Credit Reporting Act Commissioner's general Authority and powers of (15 USC 1681–1681d) duties and powers (38a- producers 8, 10) Fraud and false statements Express (18 USC 1033, 1034)
94 CONNECTICUT DEPARTME NT OF INSURANCE
Implied Causes of loss (perils) Duties after loss
Apparent Named perils versus Assignment special (open) perils 2.4 Contracts Abandonment Direct loss Elements of a legal Insurer provisions contract Consequential or indirect loss Liberalization Offer and acceptance Blanket versus specific Subrogation Consideration insurance Salvage Competent parties Basic types of construction Claim settlement Legal purpose Loss valuation options
Distinct characteristics of Actual cash value Third-party provisions an insurance contract Replacement cost Standard mortgage Contract of adhesion clause Functional Aleatory contract replacement cost Loss payable clause
Personal contract Market value No benefit to the Bailee Unilateral contract Agreed value 3.4 Connecticut laws, Conditional contract Stated amount regulations and required provisions Legal interpretations Valued policy affecting contracts Connecticut Insurance 3.2 Policy structure Ambiguities in a Guaranty Association Act contract of adhesion Declarations (38a-836–853)
Reasonable Definitions Cancellation and expectations nonrenewal (38a-307, Insuring agreement or 308(e), 323, 324) Indemnity clause Binders (38a-309, 322) Utmost good faith Additional/supplementary coverage Legal action against Representations/misre insurer (38a-290, 307) presentations Conditions Concealment or fraud Warranties Exclusions (38a-307)
Concealment Endorsements Appraisal (38a-307)
Fraud 3.3 Common policy Availability of insurance on provisions real property regardless Waiver and estoppel of location (Reg 38a- Insureds — named, first 824-1–3) named, additional Connecticut Standard Fire 3.0 Property Insurance Basics Policy period Policy (38a-307) 20% Policy territory 3.1 Principles and concepts Connecticut FAIR Plan Cancellation and (Reg 38a-328-1–20) Insurable interest nonrenewal Federal Terrorism Underwriting Deductibles Insurance Program (15 USC 6701; Public Law Function Other insurance 107–297, 109–144, Loss ratio 110–160) Nonconcurrency Rates Primary and excess Types 4.0 Dwelling ('02) Policy 7% Pro rata Loss costs 4.1 Characteristics and Policy limits purpose Components Restoration/nonreduction 4.2 Coverage forms — Perils Hazards of limits insured against
Physical Coinsurance Basic Moral Vacancy or unoccupancy Broad
Morale Named insured provisions Special
95 CONNECTICUT DEPARTME NT OF INSURANCE
4.3 Property coverages Limited fungi, wet or dry Value reporting form rot, or bacteria coverage (CP 13 10) Coverage A — Dwelling — Connecticut (HO 04 74, HO 04 75, HO 04 76) 6.3 Commercial inland Coverage B — Other marine structures Personal property replacement cost (HO Nationwide marine Coverage C — Personal definition property 04 90) Home day care (HO 04 Commercial inland marine Coverage D — Fair rental conditions form value 97) Home business — Inland marine coverage Coverage E — Additional forms living expense Connecticut (HO 07 05) Accounts receivable Other coverages Bailee's customer 4.4 General exclusions 6.0 Commercial Package Policy (CPP) 15% Commercial articles 4.5 Conditions 6.1 Components of a Contractors commercial policy 4.6 Selected endorsements equipment floater Common policy Special provisions — Electronic data declarations Connecticut (DP 01 06) processing Common policy conditions Automatic increase in Equipment dealers insurance (DP 04 11) Interline endorsements Installation floater Dwelling under One or more coverage construction (DP 11 43) Jewelers block parts 4.7 Personal liability Signs 6.2 Commercial property supplement ('12) Valuable papers and records Commercial property 5.0 Homeowners ('11) Policy conditions form Transportation coverages 21% Coverage forms Common carrier cargo 5.1 Coverage forms liability Building and personal HO-2 through HO-6 property Motor truck cargo forms 5.2 Definitions Condominium association Transit coverage 5.3 Section I — Property forms coverages Condominium commercial unit- 6.4 Equipment breakdown Coverage A — Dwelling owners ('13) Coverage B — Other Builders risk Equipment breakdown structures protection coverage form Business income Coverage C — Personal (EB 00 20) property Legal liability Selected endorsement Coverage D — Loss of use Extra expense Actual cash value (EB Additional coverages Causes of loss forms 99 59)
5.4 Perils insured against Basic 6.5 Farm coverage
5.5 Exclusions Broad Farm property coverage form ('03) 5.6 Conditions Special Coverage A — 5.7 Selected endorsements Selected endorsements Dwellings
Special provisions — Ordinance or law Coverage B — Other Connecticut (HO 01 06) coverage (CP 04 private structures 05) Permitted incidental Coverage C — occupancies — residence Spoilage coverage Household personal premises (HO 04 42) (CP 04 40) property
Earthquake (HO 04 54) Peak season limit of Coverage D — Loss of insurance (CP 12 use Scheduled personal 30) property (HO 04 61)
96 CONNECTICUT DEPARTME NT OF INSURANCE
Coverage E — "Write your own" versus Hearings (38a-16, Scheduled farm government 817, 818) personal property Eligibility Suspensions, Coverage F — revocations, refusal Unscheduled farm Coverage to issue or renew, personal property Limits fines (38a-2, 702k, 735, 774, 777, 817, Coverage G — Other Deductibles 830) farm structures 8.2 Other policies 1.2 State regulation Livestock coverage form Boatowners Commissioner's general Mobile agricultural duties and powers (38a- machinery and Difference in conditions 8, 10) equipment coverage form Company regulation
Causes of loss (basic, Certificate of authority broad and special) (38a-41) Connecticut Producer's Exclusions Examination for Casualty Capital and surplus Insurance requirement (38a- Additional coverages Series 18-20 72) Limits of insurance 100 questions - 2-hour time limit Unfair claim Conditions Live Date September 1, 2019 settlement practices (38a-816) Definitions Producer regulation 1.0 Insurance Regulation 8% Controlled business 7.0 Businessowners ('13) Policy 1.1 Licensing (38a-782(b)) 13% Process (38a-702d, 702e, Commissions (38a- 7.1 Characteristics and 769) 702l, 734) purpose Types of licensees (38a- Acting as an agent 7.2 Businessowners Section 702f(a), 769) (38a-702m) I — Property Resident producers Representing an Coverage (38a-702d) unauthorized insurer (38a-275, 703, 714) Exclusions Certified insurance consultants (38a- Failure to remit Limits of insurance 731–733, 786) premiums (38a- Deductibles Nonresident producers 712) Loss conditions (38a-702g, 702n) Unfair and prohibited practices General conditions Temporary (38a- 702j) Misrepresentation Optional coverages Maintenance and duration (38a-816(1), (8)) Definitions Renewal (38a- False advertising (38a-816(1), (2)) 7.3 Businessowners Section 702f(b)(c), 784, III — Common Policy 786(b)) Defamation of insurer Conditions Change in name or (38a-816(3)) 7.4 Selected endorsements address (38a- Boycott, coercion and 702f(f), 771(a)) intimidation (38a- Protective safeguards (BP 816(4)) 04 30) Reporting of actions (38a-702o, 771(b)) False financial Utility services — direct statements (38a- damage (BP 04 56) Assumed names (38a-702i) 816(5)) Utility services — time Failure to maintain element (BP 04 57) Continuing education requirements, complaint record exemptions and (38a-816(7)) penalties (Reg 38a- 8.0 Other Coverages and Options Unfair discrimination 782a-2, 10, 12–17) 9% (38a-816(12), (13)) 8.1 National Flood Disciplinary actions Rebating (38a- Insurance Program Cease and desist 816(9), 825) order (38a-817)
97 CONNECTICUT DEPARTME NT OF INSURANCE
Twisting (38a-826) Financial status Underwriting (independent rating Examination of books and services) Function records (38a-769(f)) Marketing (distribution) Loss ratio Connecticut Insurance systems Information and Privacy Rates Protection Act (38a- 2.3 Producers and general Types 975–999a) rules of agency Loss costs 1.3 Federal regulation Insurer as principal Components Fair Credit Reporting Act Producer/insurer (15 USC 1681–1681d) relationship Hazards
Fraud and false statements Authority and powers of Physical (18 USC 1033, 1034) producers Moral Express Morale 2.0 General Insurance 7% Implied Negligence 2.1 Concepts Apparent Elements of a Risk management key 2.4 Contracts negligent act terms Elements of a legal Defenses against Risk contract negligence
Exposure Offer and acceptance Damages
Hazard Consideration Compensatory — special versus Peril Competent parties general Loss Legal purpose Punitive Methods of handling risk Distinct characteristics of Absolute liability an insurance contract Avoidance Strict liability Contract of adhesion Retention Vicarious liability Aleatory contract Sharing 3.2 Policy structure Personal contract Reduction Declarations Unilateral contract Transfer Definitions Conditional contract Elements of insurable risks Insuring agreement or Legal interpretations Adverse selection clause affecting contracts Law of large numbers Additional/supplementary Ambiguities in a coverage Reinsurance contract of adhesion Conditions 2.2 Insurers Reasonable expectations Exclusions Types of insurers Indemnity Endorsements Stock companies Utmost good faith 3.3 Common policy Mutual companies provisions Representations/misre Fraternal benefit presentations Insureds — named, first societies named, additional Warranties Lloyd's associations Policy period Concealment Risk retention groups Policy territory Fraud Private versus government Cancellation and insurers Waiver and estoppel nonrenewal
Admitted versus Deductibles nonadmitted insurers 3.0 Casualty Insurance Basics Other insurance Domestic, foreign and alien 17% Nonconcurrency insurers 3.1 Principles and concepts Primary and excess Insurable interest
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Pro rata Coverage E — Personal Notice (38a-343, liability 344) Contribution by equal shares Coverage F — Medical Notice of eligibility in payments to others assigned risk plan Limits of liability (38a-345) Additional coverages Per occurrence Illegal declination, (accident) 4.4 Exclusions cancellation or Per person 4.5 Conditions nonrenewal (38a-358, 815, 816(9), 817(b)) Aggregate — general 4.6 Selected endorsements versus products — Aftermarket parts completed Special provisions — regulation (38a-355) Connecticut (HO 01 06) operations Constructive total loss Split Permitted incidental (38a-353) occupancies — residence Combined single premises (HO 04 42) Arbitration (Reg 38a-10- 1–4) Named insured provisions Limited fungi, wet or dry rot, or bacteria coverage Disclosure of automobile Duties after loss — Connecticut (HO 04 liability policy limits (38a-335a) Assignment 74, HO 04 75, HO 04 76) 5.2 Personal ('05) auto Insurer provisions Home day care (HO 04 97) policy Liberalization Home business — Definitions Subrogation Connecticut (HO 07 05) Liability coverage
Duty to defend Business pursuits (HO 24 Bodily injury and 71) 3.4 Connecticut laws, property damage regulations and Watercraft (HO 24 75) Supplementary required provisions Personal injury — payments Connecticut Insurance Connecticut (HO 24 79) Exclusions Guaranty Association Act (38a-836–853) Medical payments coverage Cancellation and 5.0 Auto Insurance 18% nonrenewal (38a-307, 5.1 Laws Uninsured motorists 308(e), 323, 324) coverage Connecticut Motor Vehicle Binders (38a-309, 322) Financial Responsibility Coverage for damage to Law your auto Legal action against insurer (38a-290, 307) Required limits of Collision liability (RL 17-114) Concealment or fraud Other than collision (38a-307) Required proof of Deductibles insurance (RL 14- Connecticut Standard Fire 112(b)) Policy (38a-307) Transportation expenses Connecticut Automobile Connecticut FAIR Plan Insurance Assigned Risk (Reg 38a-328-1–20) Exclusions Plan (38a-329) Federal Terrorism Duties after an accident or Uninsured/underinsured Insurance Program (15 loss motorist (38a-336) USC 6701; Public Law General provisions 107-297, 109-144, 110- Definitions 160) Selected endorsements Bodily injury Amendment of policy UM/UIM reduction provisions — 4.0 Homeowners ('11) Policy Connecticut (PP 01 Required limits (Reg 18% 54) 38a-334–6(d)) 4.1 Coverage forms Towing and labor Conversion coverage costs (PP 03 03) HO-2 through HO-6 (38a-336a) Extended non-owned 4.2 Definitions Cancellation/nonrenewal coverage — vehicles 4.3 Section II — Liability Reasons (38a-342) furnished or coverages
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available for regular Commercial crime use (PP 03 06) coverage forms 6.0 Commercial Package Policy (discovery/loss Miscellaneous type (CPP) 10% sustained) vehicle (PP 03 23) 6.1 Components of a Government crime commercial policy Joint ownership coverage forms coverage — Common policy (discovery/loss Connecticut (PP 13 declarations sustained) 45) Common policy conditions Coverages 5.3 Commercial auto ('06) Interline endorsements Employee theft Commercial auto coverage forms One or more coverage Forgery or alteration parts Business auto Inside the premises — 6.2 Commercial general theft of money and Garage liability ('13) securities Business auto physical Commercial general Inside the premises — damage liability coverage forms robbery or safe Truckers burglary of other Bodily injury and property Motor carrier property damage liability Outside the premises Coverage form sections Personal and Computer fraud Covered autos advertising injury Funds transfer fraud liability Liability coverage Money orders and Medical payments Garagekeepers counterfeit money coverage Exclusions Other crime coverage Physical damage Supplementary Extortion — coverage payments commercial entities Exclusions Who is an insured (CR 04 03)
Conditions Limits of insurance 6.4 Farm coverage
Definitions Conditions Farm liability coverage form ('06) Selected endorsements Definitions Coverage H — Bodily Connecticut changes Occurrence versus claims- injury and property (CA 01 07) made damage liability
Lessor — additional Claims-made features Coverage I — Personal insured and loss (Connecticut minimum and advertising payee (CA 20 01) standards) (Reg 38a- injury liability 327-1–6) Mobile equipment (CA Coverage J — Medical 20 15) Trigger payments
Auto medical Retroactive date Exclusions payments coverage (CA 99 03) Extended reporting Additional coverages periods Drive other car Limits of insurance coverage (CA 99 Claim information 10) Conditions Premises and operations Individual named Definitions Products and completed insured (CA 99 17) operations Commercial carrier Insured contract 7.0 Businessowners ('13) Policy regulations 9% 6.3 Commercial crime ('06) The Motor Carrier Act 7.1 Characteristics and of 1980 General definitions purpose Endorsement for Burglary 7.2 Businessowners Section motor carrier II — Liability policies of insurance Theft for public liability Coverages Robbery (MCS-90) Exclusions Crime coverage forms
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Who is an insured General section Definitions and markets
Limits of insurance Part One — Workers Licensing requirements compensation insurance General conditions Exportable list Part Two — Employers Definitions liability insurance Affidavits
7.3 Businessowners Section Part Three — Other states 9.4 Surety bonds III — Common Policy insurance Conditions Principal, obligee, surety Part Four — Your duties if Contract bonds 7.4 Selected endorsements injury occurs License and permit bonds Hired auto and non-owned Part Five — Premium auto liability (BP 04 04) Judicial bonds Part Six — Conditions 9.5 Other policies Selected endorsement 8.0 Workers Compensation Boatowners Insurance 8% Voluntary compensation 8.1 Workers compensation laws 8.3 Premium computation
Types of laws Job classification — payroll Examen de seguro de vida del and rates Monopolistic versus productor de Connecticut competitive Experience modification Serie 18-75 factor Compulsory versus elective Premium discounts 100 preguntas - Límite de tiempo: dos horas y media Connecticut Workers Participation (dividend) Compensation Law (Title plans 31 Chapter 568) 8.4 Other sources of 1.0 Regulación de seguros 10 % Exclusive remedy (RL coverage (10 elementos) 31-284(a), 293a) Connecticut Workers 1.1 Otorgamiento de licencias Employment covered Compensation Insurance Proceso (38a-702d, 702e, 769) (required, Plan Tipos de licenciatarios (38a-702f(a), voluntary) (RL 31- 769) 275(9), (10)) Self-insured employers Productores residentes (38a-702d) (RL 31-285, 286) Consultores de seguros certificados Covered injuries (RL (38a-731–733, 786) 31-275(1), (16), Employers' mutual Productores no residentes (38a-702g, 284(a), 294c, 295) insurance associations 702n) (RL 31-328–339) Temporales (38a-702j) Occupational disease Mantenimiento y duración (RL 31-275(15)) Renovación (38a-702f(b)(c), 784, Benefits provided (RL 9.0 Other Coverages and Options 786(b)) 31-275(12), 283a, 5% Cambio de nombre o dirección (38a- 702f(f), 771(a)) 295, 306, 306b, 9.1 Umbrella/excess Informe de acciones (38a-702o, 307, 308, 308a) liability policies 771(b)) Second injury fund Personal (DL 98 01) Nombres ficticios (38a-702i) (RL 31-349, 352– Requisitos de educación continua, 355b) Commercial (CU 00 01) exenciones y sanciones (Reg 38a- 782a-2, 10, 12-17) Federal workers 9.2 Specialty liability Medidas disciplinarias compensation laws insurance Orden de cesar y desistir (38a-817) Federal Employers Professional liability Audiencias (38a-16, 817, 818) Liability Act (FELA) Suspensiones, revocaciones, (45 USC 51–60) Errors and omissions negativas para emitir o renovar, multas (38a-2, 702k, 735, 774, 777, U.S. Longshore and Directors and officers liability 817, 830) Harbor Workers 1.2 Regulación estatal Compensation Act Fiduciary liability Obligaciones y facultades generales (33 USC 904) del comisionado (38a-8, 10) Liquor liability Regulación de la empresa The Jones Act (46 Certificado de autoridad (38a-41) USC 688) Employment practices liability Requisito de capital y excedente 8.2 Workers compensation (38a-72) and employers liability 9.3 Surplus lines Prácticas desleales de resolución de insurance policy reclamaciones (38a-816)
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Regulación del productor Sistemas de marketing (distribución) Colectivas versus individuales Negocio controlado (38a-782) 2.3 Productores y reglas Permanentes versus a término Comisiones (38a-702l, 734) generales de las agencias Participantes versus no participantes Actuar como agente (38a-702m) Aseguradora como principal Seguro de vida y anualidades fijos Representar a una aseguradora no Relación productor/aseguradora versus variables autorizada (38a-275, 703, 714) Autoridad y facultades de los Regulación de productos variables No remisión de primas (38a-712) productores (SEC, FINRA y Connecticut) (38a- Prácticas desleales y prohibidas Expresas 433; Reg 38a-433-1–11) Tergiversación (38a-816(1), (8)) Implícitas 3.6 Primas Publicidad falsa (38a-816(1), (2)) Evidentes Factores para determinar la prima Difamación de la aseguradora (38a- 2.4 Contratos Mortalidad 816(3)) Elementos de un contrato legal Interés Boicot, coerción e intimidación (38a- Oferta y aceptación Gasto 816(4)) Contraprestación Conceptos de prima Estados financieros falsos (38a- Partes competentes Prima única neta 816(5)) Objeto lícito Prima bruta anual No mantenimiento de registros de Características distintivas del Modo de pago de la prima reclamaciones (38a-816(7)) contrato de seguros 3.7 Responsabilidades del Discriminación injusta (38a-816(12), Contrato de adhesión productor (13)) Contrato aleatorio Solicitud y presentaciones de ventas Reembolso (38a-816(9), 825) Contrato personal (Reg 38a-819-32–39) Distorsión (38a-826) Contrato unilateral Publicidad (Reg 38a-819-21–31) Análisis de libros y registros (38a- Contrato condicional Asociación de Garantía de Seguros de 769(f)) Interpretaciones legales que afectan Vida y de Salud (38a-859, 871(e)) Ley sobre Información de Seguros y a los contratos Ilustraciones (Reg 38a-819-58–69) Protección de la Privacidad de Ambigüedades en el contrato de Resumen de la póliza (Reg 38a-819- Connecticut (38a-975–999a) adhesión 35(G)) 1.3 Regulación federal Expectativas razonables Guía del comprador (Reg 38a-819-35 Ley de Informes de Créditos Justos Indemnización Apéndice) (15 USC 1681–1681d) Principio de máxima buena fe Métodos de comparación de costo de Fraude y declaraciones falsas (18 Declaraciones/tergiversaciones las pólizas de seguro de vida (Reg USC 1033, 1034) Garantías 38a-819-35(F), Apéndice) Encubrimiento Reemplazo (38a-435) Fraude Uso y divulgación de información de 2.0 Seguro general 10 % (10 Renuncia e impedimento seguros (38a-988) elementos) Suscripción de campo 2.1 Conceptos Aviso de prácticas de información Terminología clave sobre gestión de 3.0 Conceptos fundamentales (38a-979, 981) riesgos sobre seguros de vida 17 % (17 Procedimientos de Riesgo elementos) solicitud/retroactividad (38a-442) Exposición 3.1 Interés asegurable Ejecución Amenaza 3.2 Usos personales de los Revisión de las pólizas Peligro seguros de vida Fecha de vigencia de la cobertura Pérdida Protección del sobreviviente Cobro de las primas Métodos para manejar los riesgos Constitución del patrimonio Declaración de buena salud Evasión Acumulación de efectivo 3.8 Suscripción individual por Retención Liquidez parte de la aseguradora Solidaridad Conservación del patrimonio Fuentes de información y regulación Reducción Acuerdos de vida (38a-465, 465a, Solicitud Transferencia 465f, 465g; Reg 38a-465-1–10) Informe del productor Elementos de los riesgos asegurables 3.3 Determinación del monto del Declaración del médico tratante Selección adversa seguro de vida personal Informe de investigación del Ley de los grandes números Metodología del valor de la vida consumidor (inspección) (38a-982) Reaseguro humana Oficina de Información Médica (MIB) Filtración de datos Metodología de las necesidades Análisis médicos y pruebas de 2.2 Aseguradoras Tipos de información recabada laboratorio, incluido VIH (RL 19a- Tipos de aseguradoras Determinación de las necesidades de 583, 586) Sociedades por acciones pago único Criterios de selección y discriminación Sociedades mutuales Planificación de las necesidades de injusta (38a-446, 447) Sociedades de beneficencia ingresos Clasificación de riesgos Asociaciones de Lloyd's 3.4 Usos comerciales de los Preferido Grupos de retención de riesgos seguros de vida Estándar Aseguradoras privadas versus Financiación de compraventa Deficiente aseguradoras gubernamentales Persona clave Aseguradoras permitidas versus Bonificaciones ejecutivas aseguradoras no permitidas Seguro de vida de costos y beneficios 4.0 Pólizas de seguros de vida Aseguradoras nacionales, exteriores y compartidos (split dollar) de 18 % (18 elementos) extranjeras compensación diferida 4.1 Seguro de vida a término Situación financiera (servicios de 3.5 Clases de pólizas de seguro Término nivelado calificación independiente) de vida Término renovable anual
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Término nivelado premium Seguro amortizado reducido Seguro de vida puro versus seguro de Término en disminución 5.5 Opciones de préstamos y vida con mínimo garantizado 4.2 Seguro de vida completa retiro de la póliza Seguro de vida individual versus Prima continua (renta vitalicia) Préstamos en efectivo seguro de vida múltiple Pago limitado Préstamos de prima automática Anualidades ciertas (tipos) Prima única Retiros o rescates parciales 6.4 Productos de la anualidad Prima escalonada 5.6 Opciones de dividendos Anualidades fijas De vida modificada Pago al contado Activos de la cuenta general Sensibles al tipo de interés Reducción de pagos de las primas Garantías de la tasa de interés Índice accionario Acumulación de intereses (mínimo versus actual) 4.3 Pólizas con primas flexibles Plazo opcional de un año Monto de pago de beneficio nivelado De vida ajustable Adiciones amortizadas Anualidades de índice accionario De vida universal 5.7 Cláusulas sobre discapacidad Anualidades ajustadas por el valor de 4.4 Pólizas especializadas Renuncia a la prima o renuncia a la mercado (anualidades garantizadas Seguro conjunto (primero en fallecer) prima estipulada (de vida universal) modificadas) (Reg 38a-433-12–22) Seguro para el sobreviviente Renuncia al costo del seguro 6.5 Usos de las anualidades (segundo en fallecer) Beneficio de ingreso por discapacidad Resoluciones de pago único Seguro de vida juvenil Beneficio de seguro de Planes de retiro calificados 4.5 Seguro de vida colectivo vida/discapacidad del tomador Anualidades grupales versus Características de los planes (seguro juvenil) individuales colectivos 5.8 Disposiciones o cláusulas Usos personales Requisitos de suscripción para el sobre beneficios de vida Cuentas de retiro individual (IRA) seguro colectivo Acelerado (38a-457; Reg 38a-457-1– Crecimiento con impuestos diferidos Conversión a póliza individual (Bul S- 11) Ingresos de jubilación 4 (8 y 10)) Condiciones de pago Fondos para educación 4.6 Seguro de vida con crédito Efecto sobre el beneficio por 6.6 Protección para adultos (individual versus colectivo) fallecimiento mayores en transacciones de Cuidados a largo plazo (Reg 38a-458- anualidades (38a-432a-1–7 y 38a- 1–12) 432b-1-4) 5.0 Disposiciones, opciones y Condiciones de pago cláusulas de las pólizas del Efecto sobre el beneficio por seguro de vida 18 % (18 fallecimiento 7.0 Retribuciones de impuestos elementos) 5.9 Cláusulas que cubren a otros federales para seguros de vida y 5.1 Disposiciones estándar asegurados anualidades 10 % (10 elementos) Propiedad Cláusula de seguro temporal para el 7.1 Impuestos sobre seguros de Cesión (38a-455) cónyuge u otros asegurados vida personales Contrato completo Cláusula de seguro temporal para Cantidades disponibles para el titular Modificaciones menores de la póliza Derecho a examinar (período de Cláusula de seguro temporal para Aumento del valor al contado rescisión sin sanciones) (38a-436) familiares Dividendos Pago de las primas 5.10 Cláusulas que afectan el Préstamos de póliza Período de gracia monto del beneficio por Entregas Reintegración fallecimiento Montos recibidos por el beneficiario Incontestabilidad Fallecimiento accidental Regla general y excepciones Declaración falsa de edad Asegurabilidad garantizada Opciones de resolución Exclusiones Costo de vida Valores incluidos en el patrimonio del Interés sobre ingresos de seguros Devolución de la prima asegurado (38a-452) 7.2 Contratos de seguro dotal 5.2 Beneficiarios modificados (MEC) Opciones de designación 6.0 Anualidades 10 % (10 Seguro dotal modificado versus Personas elementos) seguro de vida Clases 6.1 Principios y conceptos sobre Prueba de siete pagos Patrimonios anualidades Distribuciones Menores de edad Período de acumulación versus 7.3 Impuestos sobre anualidades Fideicomisos período de anualidades no calificadas Sucesión Titular, rentista y beneficiario De propiedad individual Cláusula de facilidad de pago Aspectos del seguro relacionados con Fase de acumulación (problemas Revocable versus irrevocable las anualidades fiscales relacionados con retiros) Cláusula común sobre catástrofes 6.2 Anualidades inmediatas Fase de anualidad y proporción de la Cláusula sobre derroches versus diferidas exclusión 5.3 Opciones de resolución Anualidades inmediatas de prima Distribuciones al fallecimiento Solo intereses única (SPIA) De propiedad corporativa Cuotas a plazo fijo Anualidades diferidas 7.4 Impuestos sobre cuentas de Cuotas con montos fijos Opciones para el pago de las primas retiro individual (IRA) Ingresos vitalicios No confiscación IRA tradicionales Seguro de vida individual Cargos por retiros y rescates Contribuciones y montos deducibles Conjunto y a favor del sobreviviente Beneficios por fallecimiento Distribuciones prematuras (incluidos 5.4 Opciones de no confiscación 6.3 Opciones de pagos de problemas de impuestos) Valor de rescate en efectivo anualidad (beneficio) Pagos de beneficio de la fase de Plazo extendido Opciones de riesgo de vida anualidad
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Valores incluidos en el patrimonio del Requisitos de educación continua, Selección adversa rentista exenciones y sanciones (Reg 38a- Ley de los grandes números Montos recibidos por el beneficiario 782a-2, 10, 12-17) Reaseguro Roth IRA Medidas disciplinarias Filtración de datos Contribuciones y límites Orden de cesar y desistir (38a-817) 2.2 Aseguradoras Distribuciones Audiencias (38a-16, 817, 818) Tipos de aseguradoras 7.5 Reinversiones y Suspensiones, revocaciones, Sociedades por acciones transferencias (IRA y planes negativas para emitir o renovar, Sociedades mutuales calificados) multas (38a-2, 702k, 735, 774, 777, Sociedades de beneficencia 7.6 Intercambios según el 817, 830) Asociaciones de Lloyd's Artículo 1035 1.2 Regulación estatal Grupos de retención de riesgos. Obligaciones y facultades generales Aseguradoras privadas versus del comisionado (38a-8, 10) aseguradoras gubernamentales 8.0 Planes calificados 7 % (7 Regulación de la empresa Aseguradoras permitidas versus elementos) Certificado de autoridad (38a-41) aseguradoras no permitidas 8.1 Requisitos generales Requisito de capital y excedente Aseguradoras nacionales, exteriores y 8.2 Retribuciones fiscales (38a-72) extranjeras generales Prácticas desleales de resolución de Situación financiera (servicios de Ventajas fiscales para empleadores y reclamaciones (38a-816) calificación independiente) empleados Regulación del productor Sistemas de marketing (distribución) Impuestos sobre distribuciones Negocio controlado (38a-782) 2.3 Productores y reglas (relacionados con la edad) Comisiones (38a-702l, 734) generales de las agencias 8.3 Tipos de planes, Actuar como agente (38a-702m) Aseguradora como principal características y compradores Representar a una aseguradora no Relación productor/aseguradora Pensiones simplificadas para autorizada (38a-275, 703, 714) Autoridad y facultades de los empleados (SEP) No remisión de primas (38a-712) productores Participación en beneficios y planes Prácticas desleales y prohibidas Expresas 401(k) Tergiversación (38a-816(1), (8)) Implícitas Planes de SIMPLE Publicidad falsa (38a-816(1), (2)) Evidentes Anualidades de impuestos diferidos Difamación de la aseguradora (38a- 2.4 Contratos (TSA) 403(b) 816(3)) Elementos de un contrato legal Boicot, coerción e intimidación (38a- Oferta y aceptación 816(4)) Contraprestación Estados financieros falsos (38a- Partes competentes 816(5)) Objeto lícito No mantenimiento de registros de Características distintivas del reclamaciones (38a-816(7)) contrato de seguros Discriminación injusta (38a-816(12), Contrato de adhesión Examen de seguro contra (13)) Contrato aleatorio accidentes y de salud del Reembolso (38a-816(9), 825) Contrato personal productor de Connecticut Distorsión (38a-826) Contrato unilateral Serie 18-76 Análisis de libros y registros (38a- Contrato condicional 769(f)) Interpretaciones legales que afectan 100 preguntas - Límite de tiempo: Ley sobre Información de Seguros y a los contratos Protección de la Privacidad de Ambigüedades en el contrato de dos horas y media Connecticut (38a-975–999a) adhesión 1.3 Regulación federal Expectativas razonables Ley de Informes de Créditos Justos Indemnización 1.0 Regulación de seguros 10 % (15 USC 1681–1681d) Principio de máxima buena fe (10 elementos) Fraude y declaraciones falsas (18 Declaraciones/tergiversaciones 1.1 Otorgamiento de licencias USC 1033, 1034) Garantías Proceso (38a-702d, 702e, 769) Encubrimiento Tipos de licenciatarios (38a-702f(a), Fraude 2.0 Seguro general 10 % (10 769) Renuncia e impedimento elementos) Productores residentes (38a-702d) Consultores de seguros certificados 2.1 Conceptos 3.0 Conceptos fundamentales (38a-731–733, 786) Terminología clave sobre gestión de sobre seguros de salud 8 % (8 Productores no residentes (38a-702g, riesgos elementos) 702n) Riesgo Temporales (38a-702j) Exposición 3.1 Definiciones de peligros Mantenimiento y duración Amenaza Lesión accidental Renovación (38a-702f(b)(c), 784, Peligro Enfermedad 786(b)) Pérdida 3.2 Principales tipos de pérdidas Cambio de nombre o dirección (38a- Métodos para manejar los riesgos y beneficios 702f(f), 771(a)) Evasión Lucro cesante por discapacidad Informe de acciones (38a-702o, Retención Gastos hospitalarios/médicos 771(b)) Solidaridad Gastos odontológicos Nombres ficticios (38a-702i) Reducción Gastos de atención a largo Transferencia plazo/atención médica domiciliaria Elementos de los riesgos asegurables
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3.3 Clases de pólizas de seguro Reintegración (4) Relación de los ingresos con el seguro de salud Procedimientos de reclamación (5-9) (38a-483(b)(6)) Individual versus colectiva Exámenes físicos y autopsia (10) Otros beneficios en efectivo Privada versus gubernamental Acciones legales (11) Fallecimiento accidental y pérdida de Limitada versus integral Cambio de beneficiario (12) algún miembro 3.4 Pólizas limitadas 4.2 Disposiciones opcionales Beneficio de rehabilitación Beneficios limitados (38a-482b, (38a-483(b)) Beneficio de reembolso médico 513d) Cambio de ocupación (1) (lesión que no produce incapacidad) Notificación obligatoria al asegurado Declaración falsa de edad (2) Disposiciones de reembolso 3.5 Exclusiones comunes de la Otro seguro en esta aseguradora (3) Devolución de la prima cobertura (Reg 38a-505-7) Seguro con otras aseguradoras Valor de rescate en efectivo 3.6 Responsabilidades del Con base en gastos incurridos (4) Exclusiones productor en seguros de salud Otros beneficios (5) 5.3 Aspectos únicos de individuales Prima no pagada (7) suscripción por discapacidad Requisitos de marketing Cancelación (8) individual Publicidad (Reg 38a-819-1–20) Cumplimiento con la ley estatal (9) Consideraciones ocupacionales Asociación de Garantía de Seguros de 4.3 Otras disposiciones generales Límites de los beneficios Vida y Salud (38a-859, 871(e)) Derecho a examinar (período de Alternativas de emisión de pólizas Presentaciones de venta rescisión sin sanciones) (Reg 38a- 5.4 Seguro de ingresos por Esquema de la cobertura (38a- 505-10(A)(7)) discapacidad colectivo 505(f); Reg 38a-505-10(B–K)) Cláusula de seguro Discapacidad a corto plazo (STD) Suscripción de campo Cláusula de contraprestación Discapacidad a largo plazo (LTD) Naturaleza y propósito Cláusula de posibilidad de renovación 5.5 Seguros comerciales por Divulgación de información sobre (Reg 38a-505-9(A)) discapacidad personas (38a-988) No cancelable Ingresos por discapacidad para Procedimientos de solicitud (38a-979, Renovación garantizada persona clave 981) Renovación condicionada Póliza de compraventa por Requisitos para la ejecución de la Renovable a opción de la aseguradora discapacidad póliza No renovable (cancelable, a término) Gastos generales comerciales (BOE) Situaciones comunes por errores u Disposición de suspenso militar (Reg 5.6 Seguro social por omisiones 38a-505-9(A)(5)) discapacidad 3.7 Suscripción individual por Cumplir con los requisitos para parte de la aseguradora beneficios por discapacidad Criterios de suscripción 5.0 Ingresos por discapacidad y Definición de discapacidad Fuentes de información de seguros relacionados 7 % (7 Período de espera suscripción elementos) Beneficios de ingreso por Solicitud 5.1 Cumplir con los requisitos discapacidad Informe del productor para beneficios por discapacidad 5.7 Indemnización por accidentes Declaración del médico tratante Incapacidad para realizar tareas laborales Informe de investigación del Ocupación propia Elegibilidad consumidor (inspección) Cualquier tipo de ocupación Beneficios Oficina de Información Médica (MIB) Discapacidad presunta Análisis médicos y pruebas de Requisito para estar bajo atención de laboratorio (incluido consentimiento un médico 6.0 Planes médicos 25 % (25 para VIH) (RL 19a-583, 586) 5.2 Seguro individual de ingresos elementos) Uso prohibido de información por discapacidad 6.1 Conceptos sobre planes genética (38a-816(19)) Normas de beneficios mínimos de médicos Discriminación injusta (38a-488) Connecticut (Reg 38a-505-9(F)) Honorarios por servicios versus Clasificación de riesgos Plan de discapacidad total básico sistema de prepago Preferido Beneficios de ingresos (indemnización Programa de beneficios versus cargos Estándar mensual) usuales, razonables y de costumbre Deficiente Eliminación y períodos de beneficios Proveedor libre versus selección 3.8 Consideraciones al Renuncia a característica de la prima limitada de proveedores reemplazar seguros de salud Coordinación con el seguro social y Asegurados versus (38a-546; Reg 38a-505-11) los beneficios de indemnización por abonados/participantes Beneficios, limitaciones y exclusiones accidentes laborales 6.2 Tipos de planes Requisitos de suscripción Beneficio mensual adicional (AMB) Seguro para gastos médicos mayores Responsabilidad del productor por Suplemento del seguro social (SIS) (planes de indemnización) errores y omisiones Cobertura profesional versus no Beneficios esenciales profesional Características Beneficios en el trabajo Limitaciones comunes 4.0 Disposiciones generales de la Beneficio por discapacidad parcial Exclusiones de la cobertura póliza de seguro de salud Beneficio por discapacidad residual Disposiciones que afectan el costo individual 7 % (7 elementos) Otras disposiciones que afectan los para el asegurado 4.1 Disposiciones obligatorias beneficios de ingresos Organizaciones para el (38a-483(a)) Cláusula de ajuste al costo de vida mantenimiento de la salud (HMO) Contrato completo; cambios (1) (COLA) Beneficios esenciales Límite de tiempo para ciertas Cláusula de opción de incremento Características generales (HC-118) defensas (2) futuro (FIO) Servicios de atención preventiva Período de gracia (3)
105 CONNECTICUT DEPARTME NT OF INSURANCE
Médico de atención primaria versus Contrato colectivo Restaurativo médico de referencia (especialista) Certificado de cobertura (38a-182) Cirugía oral Atención de emergencia Calificación de experiencia versus Endodoncia Servicios hospitalarios calificación comunitaria/calificación Periodoncia Otros servicios básicos de ACA/grupos pequeños Prostodoncia Organizaciones de proveedores 7.2 Tipos de grupos elegibles Ortodoncia preferidos (PPO) y planes de punto Grupos relacionados con el empleo 8.2 Planes de indemnización de servicio (POS) Grupos de empleador individual Opción de proveedores Beneficios esenciales Asociaciones (exalumnos, Categorías de beneficios Características generales profesionales, otros) Servicios de diagnóstico/preventivos Acceso a prestadores dentro y fuera 7.3 Consideraciones de marketing Servicios básicos de la red Publicidad Servicios mayores Referencia de médico de atención Jurisdicción reguladora/lugar de Deducibles y coseguro primaria ejecución Planes de combinación Características del plan de 7.4 Seguro de salud colectivo del Exclusiones indemnización empleador Limitaciones Plan de seguro de salud para niños Criterios de suscripción del Predeterminación de beneficios de Connecticut (HUSKY) (RL 17b- asegurador 8.3 Gastos odontológicos 289–292a, 295, 297, 299, 300, 301, Características del grupo colectivos del empleador 301, 303, 304) Factores en el diseño del plan Deducibles integrados versus planes Plan de salud de deducible alto Factores de persistencia independientes 6.3 Contención de costos en la Capacidad administrativa Minimización de selección adversa prestación de asistencia médica Elegibilidad para la cobertura Servicios de ahorro de costos Elegibilidad de los empleados Atención preventiva Elegibilidad de los dependientes - 9.0 Seguros para ciudadanos de Beneficios de servicios ambulatorios incluidas parejas de hecho y uniones la tercera edad y personas con en hospital civiles (Bul IC-21) necesidades especiales 11 % (11 Alternativas a servicios hospitalarios Cobertura para cónyuge (38a-541) elementos) Revisión del uso Disposición de coordinación de 9.1 Medicare Revisión prospectiva beneficios (Reg 38a-480-1–14) Naturaleza, financiamiento y Retrospectiva Cambio de aseguradora o pérdida de administración Revisión concurrente la cobertura Parte A - Seguro para atención 6.4 Requisitos de Connecticut Sin pérdidas ni ganancias hospitalaria (individual y/o colectivo) Acontecimientos que ponen fin a la Requisitos de elegibilidad individuales Requisitos de elegibilidad cobertura Inscripción Límite de edad de hijo dependiente Extensión de beneficios (Reg 38a- Coberturas y montos de costos (38a-497, 554; Bul HC-71) 546-5(a)) compartidos Inscripción de menor; padres que no Continuación de la cobertura de Parte B - Seguro médico tienen la custodia (38a-497a) conformidad con la ley COBRA y las Requisitos de elegibilidad individuales Dependientes discapacitados física o reglas específicas de Connecticut Inscripción mentalmente (38a-489, 515) (38a-512a, 546; Reg 38a-546-5(b)) Coberturas y montos de costos Cobertura para niños recién nacidos 7.5 Planes médicos para el compartidos (38a-490, 516 y PA-11-171) pequeño empleador Exclusiones Niños adoptados y potencialmente Definición de pequeño empleador Terminología de reclamaciones y adoptados (38a-508, 549) (38a-564(4)) otros términos clave Beneficio Planes de beneficios ofrecidos (38a- Parte C - Medicare Advantage Cobertura de infertilidad (38a-509, 565, 568) Parte D - Seguro para medicamentos 536; Bul HC-104, PA 17-55) Planes de centro de atención médica con receta 6.5 Legislatura federal (HMO) 9.2 Suplementos de Medicare Requisitos de HIPAA (Ley de Planes de compañía de pequeño Propósito Portabilidad y Responsabilidad de empleador Inscripción abierta (Reg 38a-495a-8) Seguros de Salud) Elegibilidad de los empleados (38a- Planes de suplementos de Medicare Elegibilidad 564(3)) estandarizados (Reg 38a-495a-6, Emisión garantizada Posibilidad de renovación (38a-567) 6(a)) Cobertura acreditable 7.6 Regulación de planes de Beneficios principales Posibilidad de renovación seguro colectivo para Beneficios adicionales Asociación de Alternativa de empleadores Regulaciones y disposiciones Reaseguro de Salud de HIPAA de Ley de Derechos Civiles/Ley de obligatorias de Connecticut Connecticut Discriminación por Embarazo Publicidad (Reg 38a-495a-15) PPACA (Ley de Protección del Lineamientos Normas para marketing (Reg 38a- Paciente y Cuidado de Salud Relación con Medicare 495a-16) Asequible) Normas secundarias de Medicare Compensación permitida (Reg 38a- Beneficios esenciales Escisiones y suplementos de Medicare 495a-12) Sin costo compartido en preventivo Pertinencia de compra recomendada y seguros excesivos (Reg 38a-495a- 8.0 Seguro odontológico 3 % (3 17) 7.0 Seguro de salud colectivo elementos) Disposiciones de divulgación 15 % (15 elementos) 8.1 Tipos de tratamientos requerida (Reg 38a-495a-13) 7.1 Características del seguro odontológicos Informe de múltiples pólizas (Reg colectivo Diagnóstico y prevención 38a-495a-18)
106 CONNECTICUT DEPARTME NT OF INSURANCE
Guía del comprador (38a-495a- 10.1 Seguro de salud propio Obligaciones y facultades generales 13(a)(6)(A)) Seguro de ingresos por discapacidad del comisionado (38a-8, 10) Derecho a devolución (38a-495a- Seguro de gastos médicos Regulación de la empresa 13(a)(5) Seguro de atención a largo plazo Certificado de autoridad (38a-41) Reemplazo (Reg 38a-495a-14, 19) 10.2 Seguro de salud colectivo Requisito de capital y excedente Normas sobre beneficios (Reg 38a- del empleador (38a-72) 495a-5 y 38a-495a-5a) Ingresos por discapacidad (STD, LTD) Prácticas desleales de resolución de Condiciones preexistentes (38a-495a) Beneficios sujetos a FICA reclamaciones (38a-816) Esquema de la cobertura (38a- Gastos médicos y odontológicos Regulación del productor 495a(l)(1), (2); Reg 38a-495a-13) Seguro de atención a largo plazo Negocio controlado (38a-782) Oferta de plan para discapacitados Fallecimiento accidental y pérdida de Comisiones (38a-702l, 734) (38a-495c) algún miembro Actuar como agente (38a-702m) 9.3 Otras opciones para personas 10.3 Cobertura de gastos médicos Representar a una aseguradora no con Medicare para propietarios únicos, socios y autorizada (38a-275, 703, 714) Planes de salud colectivos del sociedades de responsabilidad No remisión de primas (38a-712) empleador limitada Prácticas desleales y prohibidas Empleados discapacitados 10.4 Seguros comerciales por Tergiversación (38a-816(1), (8)) Empleados con insuficiencia renal discapacidad Publicidad falsa (38a-816(1), (2)) Personas de 65 años o más Ingresos por discapacidad para Difamación de la aseguradora (38a- Medicaid persona clave 816(3)) Elegibilidad Póliza de compraventa Boicot, coerción e intimidación (38a- Beneficios Gastos generales comerciales (BOE) 816(4)) ConnMAP 10.5 Cuentas de ahorros para la Estados financieros falsos (38a- 9.4 Seguro de atención a largo salud (HSA) 816(5)) plazo (LTC) Definición No mantenimiento de registros de Elegibilidad para los beneficios Elegibilidad reclamaciones (38a-816(7)) Niveles de atención Límites de contribución Discriminación injusta (38a-816(12), Atención especializada (13)) Atención intermedia Reembolso (38a-816(9), 825) Atención de custodia Distorsión (38a-826) Examen de seguro de vida/contra Atención médica a domicilio Análisis de libros y registros (38a- Atención diurna para adultos accidentes y de salud del 769(f)) Atención temporal para la persona productor de Connecticut Ley sobre Información de Seguros y que está a cargo de los cuidados Serie 18-77 Protección de la Privacidad de Atención para enfermos terminales Connecticut (38a-975–999a) Períodos de los beneficios 150 preguntas - Límite de tiempo: 1.3 Regulación federal Monto de los beneficios Ley de Informes de Créditos Justos dos horas y media Beneficios opcionales (15 USC 1681–1681d) Garantía de asegurabilidad Fraude y declaraciones falsas (18 Devolución de la prima USC 1033, 1034) Planes de LTC calificados 1.0 Regulación de seguros 6 % (9 Exclusiones elementos) Consideraciones con respecto a la 1.1 Otorgamiento de licencias 2.0 Seguros generales 6 % (9 suscripción Proceso (38a-702d, 702e, 769) elementos) Regulaciones y disposiciones Tipos de licenciatarios (38a-702f(a), 2.1 Conceptos obligatorias de Connecticut 769) Terminología clave sobre gestión de Normas para marketing (Reg 38a- Productores residentes (38a-702d) riesgos 501-16) Consultores de seguros certificados Riesgo Idoneidad de compra recomendada (38a-731–733, 786) Exposición (Reg 38a-501-17) Productores no residentes (38a-702g, Amenaza Guía del comprador (Reg 38a-501- 702n) Peligro 18) Temporales (38a-702j) Pérdida Esquema de la cobertura (Reg 38a- Mantenimiento y duración Métodos para manejar los riesgos 501-21) Renovación (38a-702f(b)(c), 784, Evasión Oferta de beneficio de no confiscación 786(b)) Retención (Reg 38a-501-19) Cambio de nombre o dirección Solidaridad Disposiciones de divulgación Informe de acciones (38a-702o, Reducción requerida (Reg 38a-501-13) 771(b)) Transferencia Reemplazo (Reg 38a-501-12, 22) Nombres ficticios (38a-702i) Elementos de los riesgos asegurables Derecho a devolución (Reg 38a-501- Requisitos de educación continua, Selección adversa 11(g)) exenciones y sanciones (Reg 38a- Ley de los grandes números Protección contra inflación (Reg 38a- 782a-2, 10, 12-17) Reaseguro 501-20) Medidas disciplinarias Filtración de datos Sociedad para Atención a Largo Plazo Orden de cesar y desistir (38a-817) 2.2 Aseguradoras de Connecticut (Reg 38a-475-1–6; RL Audiencias (38a-16, 817, 818) Tipos de aseguradoras 17b-252) Suspensiones, revocaciones, Sociedades por acciones negativas para emitir o renovar, Sociedades mutuales multas (38a-2, 702k, 735, 774, 777, Sociedades de beneficencia 10.0 Retribuciones de impuestos 817, 830) Asociaciones de Lloyd's federales sobre seguros de salud 1.2 Regulación estatal Grupos de retención de riesgos. 4 % (4 elementos)
107 CONNECTICUT DEPARTME NT OF INSURANCE
Aseguradoras privadas versus Financiación de compraventa 4.1 Seguro de vida a término aseguradoras gubernamentales Persona clave Término nivelado Aseguradoras permitidas versus Bonificaciones ejecutivas Término renovable anual aseguradoras no permitidas Seguro de vida de costos y beneficios Término nivelado premium Aseguradoras nacionales, exteriores y compartidos (split dollar) de Término en disminución extranjeras compensación diferida 4.2 Seguro de vida completa Situación financiera (servicios de 3.5 Clases de pólizas de seguro Prima continua (renta vitalicia) calificación independiente) de vida Pago limitado Sistemas de marketing (distribución) Colectivas versus individuales Prima única 2.3 Productores y reglas Permanentes versus a término Prima escalonada generales de las agencias Participantes versus no participantes De vida modificada Aseguradora como principal Seguro de vida y anualidades fijos Sensibles al tipo de interés Relación productor/aseguradora versus variables Índice accionario Autoridad y facultades de los Regulación de productos variables 4.3 Pólizas con primas flexibles productores (SEC, FINRA y Connecticut) (38a- De vida ajustable Expresas 433; Reg 38a-433-1–11) De vida universal Implícitas 3.6 Primas 4.4 Pólizas especializadas Evidentes Factores para determinar la prima Seguro conjunto (primero en fallecer) 2.4 Contratos Mortalidad Seguro para el sobreviviente Elementos de un contrato legal Interés (segundo en fallecer) Oferta y aceptación Gastos Seguro de vida juvenil Contraprestación Conceptos de prima 4.5 Seguro de vida colectivo Partes competentes Prima única neta Características de los planes Objeto lícito Prima bruta anual colectivos Características distintivas del Modo de pago de la prima Requisitos de suscripción para el contrato de seguros 3.7 Responsabilidades del seguro colectivo Contrato de adhesión productor Conversión a póliza individual (Bul S- Contrato aleatorio Solicitud y presentaciones de ventas 4 (8 y 10)) Contrato personal (Reg 38a-819-32–39) 4.6 Seguro de vida con crédito Contrato unilateral Publicidad (Reg 38a-819-21–31) (individual versus colectivo) Contrato condicional Asociación de Garantía de Seguros de Interpretaciones legales que afectan Vida y de Salud (38a-858, 871(e)) a los contratos Ilustraciones (Reg 38a-819-58–69) 5.0 Disposiciones, opciones y Ambigüedades en el contrato de Resumen de la póliza (Reg 38a-819- cláusulas de las pólizas del adhesión 35(G)) seguro de vida 10 % (15 Expectativas razonables Guía del comprador (Reg 38a-819-35 elementos) Indemnización Apéndice) 5.1 Disposiciones estándar Principio de máxima buena fe Métodos de comparación de costo de Propiedad Declaraciones/tergiversaciones las pólizas de seguro de vida (Reg Cesión (38a-455) Garantías 38a-819-35(F), Apéndice) Contrato completo Encubrimiento Reemplazo (38a-435) Modificaciones Fraude Uso y divulgación de información de Derecho a examinar (período de Renuncia e impedimento seguros (38a-988) rescisión sin sanciones) (38a-436) Suscripción de campo Pago de las primas Aviso de prácticas de información Período de gracia 3.0 Conceptos fundamentales (38a-979, 981) Reintegración sobre seguros de vida 9 % (14 Procedimientos de Incontestabilidad elementos) solicitud/retroactividad (38a-442) Declaración falsa de edad 3.1 Interés asegurable Ejecución Exclusiones 3.2 Usos personales de los Revisión de las pólizas Interés sobre ingresos de seguros seguros de vida Fecha de vigencia de la cobertura (38a-452) Protección del sobreviviente Cobro de las primas 5.2 Beneficiarios Constitución del patrimonio Declaración de buena salud Opciones de designación Acumulación de efectivo 3.8 Suscripción individual por Personas Liquidez parte de la aseguradora Clases Conservación del patrimonio Fuentes de información y regulación Patrimonios Acuerdos de vida (38a-465, 465a, Solicitud Menores de edad 465f, 465g; Reg 38a-465-1–10) Informe del productor Fideicomisos 3.3 Determinación del monto del Declaración del médico tratante Sucesión seguro de vida personal Informe de investigación del Cláusula de facilidad de pago Metodología del valor de la vida consumidor (inspección) (38a-982) Revocable versus irrevocable humana Oficina de Información Médica (MIB) Cláusula común sobre catástrofes Metodología de las necesidades Análisis médicos y pruebas de Cláusula sobre derroches Tipos de información recabada laboratorio, incluido VIH (RL 19a- 5.3 Opciones de resolución Determinación de las necesidades de 583, 586) Solo intereses pago único Criterios de selección y discriminación Cuotas a plazo fijo Planificación de las necesidades de injusta (38a-446, 447) Cuotas con montos fijos ingresos Ingresos vitalicios 3.4 Usos comerciales de los Seguro de vida individual seguros de vida 4.0 Pólizas de seguros de vida Conjunto y a favor del sobreviviente 10 % (15 elementos)
108 CONNECTICUT DEPARTME NT OF INSURANCE
5.4 Opciones de no confiscación 6.3 Opciones de pagos de Distribuciones prematuras (incluidos Valor de rescate en efectivo anualidad (beneficio) problemas de impuestos) Plazo extendido Opciones de riesgo de vida Pagos de beneficio de la fase de Seguro amortizado reducido Seguro de vida puro versus seguro de anualidad 5.5 Opciones de préstamos y vida con mínimo garantizado Valores incluidos en el patrimonio del retiro de la póliza Seguro de vida individual versus rentista Préstamos en efectivo seguro de vida múltiple Montos recibidos por el beneficiario Préstamos de prima automática Anualidades ciertas (tipos) Roth IRA Retiros o rescates parciales 6.4 Productos de la anualidad Contribuciones y límites 5.6 Opciones de dividendos Anualidades fijas Distribuciones Pago al contado Activos de la cuenta general 7.5 Reinversiones y Reducción de pagos de las primas Garantías de la tasa de interés transferencias (IRA y planes Acumulación de intereses (mínimo versus actual) calificados) Plazo opcional de un año Monto de pago de beneficio nivelado 7.6 Intercambios según el Adiciones amortizadas Anualidades de índice accionario Artículo 1035 5.7 Cláusulas sobre discapacidad Anualidades ajustadas por el valor de Renuncia a la prima o renuncia a la mercado (anualidades garantizadas prima estipulada (de vida universal) modificadas) (Reg 38a-433-12–22) 8.0 Planes calificados 4 % (6 Renuncia al costo del seguro 6.5 Usos de las anualidades elementos) Beneficio de ingreso por discapacidad Resoluciones de pago único 8.1 Requisitos generales Beneficio de seguro de Planes de retiro calificados 8.2 Retribuciones fiscales vida/discapacidad del tomador Anualidades grupales versus generales (seguro juvenil) individuales Ventajas fiscales para empleadores y 5.8 Disposiciones o cláusulas Usos personales empleados sobre beneficios de vida Cuentas de retiro individual (IRA) Impuestos sobre distribuciones Acelerado (38a-457; Reg 38a-457-1– Crecimiento con impuestos diferidos (relacionados con la edad) 11) Ingresos de jubilación 8.3 Tipos de planes, Condiciones de pago Fondos para educación características y compradores Efecto sobre el beneficio por 6.6 Protección para adultos Pensiones simplificadas para fallecimiento mayores en transacciones de empleados (SEP) Cuidados a largo plazo (Reg 38a-458- anualidades (38a-432a-1–7 y 38a- Participación en beneficios y planes 1–12) 432b-1-4) 401(k) Condiciones de pago Planes de SIMPLE Efecto sobre el beneficio por Anualidades de impuestos diferidos fallecimiento 7.0 Retribuciones de impuestos (TSA) 403(b) 5.9 Cláusulas que cubren a otros federales sobre seguros de vida y asegurados anualidades 6% (9 elementos) Cláusula de seguro temporal para el 7.1 Impuestos sobre seguros de 9.0 Conceptos fundamentales cónyuge u otros asegurados vida personales sobre seguros de salud 6 % (9 Cláusula de seguro temporal para Cantidades disponibles para el titular elementos) menores de la póliza 9.1 Definiciones de peligros Cláusula de seguro temporal para Aumento del valor al contado Lesión accidental familiares Dividendos Enfermedad 5.10 Cláusulas que afectan el Préstamos de póliza 9.2 Principales tipos de pérdidas monto del beneficio por Entregas y beneficios fallecimiento Montos recibidos por el beneficiario Lucro cesante por discapacidad Fallecimiento accidental Regla general y excepciones Gastos hospitalarios/médicos Asegurabilidad garantizada Opciones de resolución Gastos odontológicos Costo de vida Valores incluidos en el patrimonio del Gastos de atención a largo Devolución de la prima asegurado plazo/atención médica domiciliaria 7.2 Contratos de seguro dotal 9.3 Clases de pólizas de seguro modificados (MEC) de salud 6.0 Anualidades 5 % (7 Seguro dotal modificado versus Individual versus colectiva elementos) seguro de vida Privada versus gubernamental 6.1 Principios y conceptos sobre Prueba de siete pagos Limitada versus integral anualidades Distribuciones 9.4 Pólizas limitadas Período de acumulación versus 7.3 Impuestos sobre anualidades Beneficios limitados (38a-482b, período de anualidades no calificadas 513d) Titular, rentista y beneficiario De propiedad individual Notificación obligatoria al asegurado Aspectos del seguro relacionados con Fase de acumulación (problemas 9.5 Exclusiones comunes de la las anualidades fiscales relacionados con retiros) cobertura (Reg 38a-505-7(G)) 6.2 Anualidades inmediatas Fase de anualidad y proporción de la 9.6 Responsabilidades del versus diferidas exclusión productor en seguros de salud Anualidades inmediatas de prima Distribuciones al fallecimiento individuales única (SPIA) De propiedad corporativa Requisitos de marketing Anualidades diferidas 7.4 Impuestos sobre cuentas de Publicidad (Reg 38a-819-1–20) Opciones para el pago de las primas retiro individual (IRA) Asociación de Garantía de Seguros de No confiscación IRA tradicionales Vida y de Salud (38a-859, 871(e)) Cargos por retiros y rescates Contribuciones y montos deducibles Presentaciones de venta Beneficios por fallecimiento
109 CONNECTICUT DEPARTME NT OF INSURANCE
Esquema de la cobertura (38a-505- Cláusula de renovabilidad (Reg 38a- 11.5 Seguros comerciales por 13(d); Reg 38a-505-10(B–K)) 505-9(A)) discapacidad Suscripción de campo No cancelable Ingresos por discapacidad para Naturaleza y propósito Renovación garantizada persona clave Divulgación de información sobre Renovación condicionada Póliza de compraventa por personas (38a-988) Renovable a opción de la aseguradora discapacidad Procedimientos de solicitud (38a-979, No renovable (cancelable, a término) Gastos generales comerciales (BOE) 981) Disposición de suspenso militar (Reg 11.6 Seguro social por Requisitos para la ejecución de la 38a-505-9(A)(5)) discapacidad póliza Cumplir con los requisitos para Situaciones comunes por errores u beneficios por discapacidad omisiones 11.0 Ingresos por discapacidad y Definición de discapacidad 9.7 Suscripción individual por seguros relacionados 5 % (7 Período de espera parte de la aseguradora elementos) Beneficios de ingreso por Criterios de suscripción 11.1 Cumplir con los requisitos discapacidad Fuentes de información de para beneficios por discapacidad 11.7 Indemnización por suscripción Incapacidad para realizar tareas accidentes laborales Solicitud Ocupación propia Elegibilidad Informe del productor Cualquier tipo de ocupación Beneficios Declaración del médico tratante Discapacidad presunta Informe de investigación del Requisito para estar bajo atención de consumidor (inspección) un médico 12.0 Planes médicos 10 % (15 Oficina de Información Médica (MIB) 11.2 Seguro individual de elementos) Análisis médicos y pruebas de ingresos por discapacidad 12.1 Conceptos sobre planes laboratorio (incluido consentimiento Normas de beneficios mínimos de médicos para VIH) (RL 19a-583, 586) Connecticut (Reg 38a-505-9(F)) Honorarios por servicios versus Uso prohibido de información Plan de discapacidad total básico sistema de prepago genética (38a-816(19)) Beneficios de ingresos (indemnización Programa de beneficios versus cargos Discriminación injusta (38a-488) mensual) usuales, razonables y de costumbre 9.8 Consideraciones para Eliminación y períodos de beneficios Proveedor libre versus selección reemplazar seguros de salud Renuncia a característica de la prima limitada de proveedores (38a-546; Reg 38a-505-11) Coordinación con el seguro social y Asegurados versus Beneficios, limitaciones y exclusiones los beneficios de indemnización por abonados/participantes Requisitos de suscripción accidentes laborales 12.2 Tipos de planes Responsabilidad del productor por Beneficio mensual adicional (AMB) Seguro para gastos médicos mayores errores y omisiones Suplemento del seguro social (SIS) (planes de indemnización) Cobertura profesional versus no Beneficios esenciales profesional Características 10.0 Disposiciones generales de Beneficios en el trabajo Limitaciones comunes la póliza de seguro de salud Beneficio por discapacidad parcial Exclusiones de la cobertura individual 4 % (6 elementos) Beneficio por discapacidad residual Disposiciones que afectan el costo 10.1 Disposiciones obligatorias Otras disposiciones que afectan los para el asegurado (38a-483) beneficios de ingresos Organizaciones para el Contrato completo; cambios (1) Cláusula de ajuste al costo de vida mantenimiento de la salud (HMO) Límite de tiempo para ciertas (COLA) Beneficios esenciales defensas (2) Cláusula de opción de incremento Características generales (HC-118) Período de gracia (3) futuro (FIO) Servicios de atención preventiva Reintegración (4) Relación de los ingresos con el seguro Médico de atención primaria versus Procedimientos de reclamación (5-9) (38a-483(b)(6)) médico de referencia (especialista) Exámenes físicos y autopsia (10) Otros beneficios en efectivo Atención de emergencia Acciones legales (11) Fallecimiento accidental y pérdida de Servicios hospitalarios Cambio de beneficiario (12) algún miembro Otros servicios básicos 10.2 Disposiciones opcionales Beneficio de rehabilitación Organizaciones de proveedores (38a-483(b)) Beneficio de reembolso médico preferidos (PPO) y planes de punto Cambio de ocupación (1) (lesión que no produce incapacidad) de servicio (POS) Declaración falsa de edad (2) Disposiciones de reembolso Beneficios esenciales Otro seguro en esta aseguradora (3) Devolución de la prima Características generales Seguro con otras aseguradoras Valor de rescate en efectivo Acceso a prestadores dentro y fuera Con base en gastos incurridos (4) Exclusiones de la red Otros beneficios (5) 11.3 Aspectos únicos de Referencia de médico de atención Prima no pagada (7) suscripción por discapacidad primaria Cancelación (8) individual Características del plan de Cumplimiento con la ley estatal (9) Consideraciones ocupacionales indemnización 10.3 Otras disposiciones Límites de los beneficios Plan de seguro de salud para niños generales Alternativas de emisión de pólizas de Connecticut (HUSKY) (RL 17b- Derecho a examinar (período de 11.4 Seguro de ingresos por 289–292a, 295, 297, 299, 300, 301, rescisión sin sanciones) (Reg 38a- discapacidad colectivo 303, 304) 505-10(A)(7)) Discapacidad a corto plazo (STD) Plan de salud de deducible alto Cláusula de seguro Discapacidad a largo plazo (LTD) 12.3 Contención de costos en la Cláusula de contraprestación prestación de asistencia médica
110 CONNECTICUT DEPARTME NT OF INSURANCE
Servicios de ahorro de costos Elegibilidad para la cobertura Minimización de selección adversa Atención preventiva Elegibilidad de los empleados Beneficios de servicios ambulatorios Elegibilidad de los dependientes - en hospital incluidas parejas de hecho y uniones 15.0 Seguros para ciudadanos de Alternativas a servicios hospitalarios civiles (Bul IC-21) la tercera edad y personas con Revisión del uso Cobertura para cónyuge (38a-541) necesidades especiales 7 % (11 Retrospectiva Disposición de coordinación de elementos) Revisión prospectiva beneficios (Reg 38a-480-1–14) 15.1 Medicare Revisión concurrente Cambio de aseguradora o pérdida de Naturaleza, financiamiento y 12.4 Requisitos de Connecticut la cobertura administración (individual y/o colectivo) Sin pérdidas ni ganancias Parte A - Seguro para atención Requisitos de elegibilidad Acontecimientos que ponen fin a la hospitalaria Límite de edad de hijo dependiente cobertura Requisitos de elegibilidad individuales (38a-497, 554, Bul HC-71) Extensión de beneficios (Reg 38a- Inscripción Inscripción de menor; padres que no 546-5(a)) Coberturas y montos de costos tienen la custodia (38a-497a) Continuación de la cobertura de compartidos Dependientes discapacitados física o conformidad con la ley COBRA y las Parte B - Seguro médico mentalmente (38a-489, 515) reglas específicas de Connecticut Requisitos de elegibilidad individuales Cobertura para niños recién nacidos (38a-512a, 546; Reg 38a-546-5(b)) Inscripción (38a-490, 516 y PA-11-171) 13.5 Planes médicos para el Coberturas y montos de costos Niños adoptados y potencialmente pequeño empleador compartidos adoptados (38a-508, 549) Definición de pequeño empleador Exclusiones Beneficio (38a-564(4)) Terminología de reclamaciones y Cobertura de infertilidad (38a-509, Planes de beneficios ofrecidos (38a- otros términos clave 536; Bul HC-104, PA 17-55) 565, 568) Parte C - Medicare Advantage 12.5 Legislatura federal Planes de centro de atención médica Parte D - Seguro para medicamentos Requisitos de HIPAA (Ley de (HMO) con receta Portabilidad y Responsabilidad de Planes de compañía de pequeño 15.2 Suplementos de Medicare Seguros de Salud) empleador Propósito Elegibilidad Elegibilidad de los empleados (38a- Inscripción abierta (Reg 38a-495a-8) Emisión garantizada 564(3)) Planes de suplementos de Medicare Cobertura acreditable Posibilidad de renovación (38a- estandarizados (Reg 38a-495a-6, Posibilidad de renovación 567(b)) 6(a)) Asociación de Alternativa de 13.6 Regulación de planes de Beneficios principales Reaseguro de Salud de HIPAA de seguro colectivo para Beneficios adicionales Connecticut empleadores Regulaciones y disposiciones PPACA (Ley de Protección del Ley de Derechos Civiles/Ley de obligatorias de Connecticut Paciente y Cuidado de Salud Discriminación por Embarazo Publicidad (Reg 38a-495a-15) Asequible) Lineamientos Normas para marketing (Reg 38a- Beneficios esenciales Relación con Medicare 495a-16) Sin costo compartido en preventivo Normas secundarias de Medicare Compensación permitida (Reg 38a- Escisiones y suplementos de Medicare 495a-12) Pertinencia de compra recomendada 13.0 Seguro de salud colectivo y seguros excesivos (Reg 38a-495a- 7 % (11 elementos) 14.0 Seguro odontológico 2 % (3 17) 13.1 Características del seguro elementos) Disposiciones de divulgación colectivo 14.1 Tipos de tratamientos requerida (Reg 38a-495a-13) Contrato colectivo odontológicos Informe de múltiples pólizas (Reg Certificado de cobertura (38a-182) Diagnóstico y prevención 38a-495a-18) Calificación de experiencia versus Restaurativo Guía del comprador (38a-495a- calificación comunitaria/calificación Cirugía oral 13(a)(6)(A)) de ACA/grupos pequeños Endodoncia Derecho a devolución (Reg 38a-495a- 13.2 Tipos de grupos elegibles Periodoncia 13(a)(5) Grupos relacionados con el empleo Prostodoncia Reemplazo (Reg 38a-495a-14, 19) Grupos de empleador individual Ortodoncia Normas sobre beneficios (Reg 38a- Asociaciones (exalumnos, 14.2 Planes de indemnización 495a-5 y 38a-495a-5a) profesionales, otros) Opción de proveedores Condiciones preexistentes (Reg 38a- 13.3 Consideraciones de Categorías de beneficios 495-5(a)) marketing Servicios de diagnóstico/preventivos Esquema de la cobertura (38a- Publicidad Servicios básicos 495a(l)(1), (2); Reg 38a-495a-13) Jurisdicción reguladora/lugar de Servicios mayores Oferta de plan para discapacitados ejecución Deducibles y coseguro (38a-495c) 13.4 Seguro de salud colectivo Planes de combinación 15.3 Otras opciones para del empleador Exclusiones personas con Medicare Criterios de suscripción del Limitaciones Planes de salud colectivos del asegurador Predeterminación de beneficios empleador Características del grupo 14.3 Gastos odontológicos Empleados discapacitados Factores en el diseño del plan colectivos del empleador Empleados con insuficiencia renal Factores de persistencia Deducibles integrados versus planes Personas de 65 años o más Capacidad administrativa independientes Medicaid
111 CONNECTICUT DEPARTME NT OF INSURANCE
Elegibilidad 16.4 Cuentas de ahorros para la Boicot, coerción e intimidación (38a- Beneficios salud (HSA) 816(4)) ConnMAP Definición Estados financieros falsos (38a- 15.4 Seguro para atención a largo Elegibilidad 816(5)) plazo (LTC) Límites de contribución No mantenimiento de registros de Elegibilidad para los beneficios reclamaciones (38a-816(7)) Niveles de atención Discriminación injusta (38a-816(12), Atención especializada (13)) Examen de seguro de Atención intermedia Reembolso (38a-816(9), 825) Atención de custodia propiedad/contra siniestros del Distorsión (38a-826) Atención médica a domicilio productor de Connecticut Análisis de libros y registros (38a- Atención diurna para adultos Serie 18-78 769(f)) Atención temporal para la persona Ley sobre Información de Seguros y que está a cargo de los cuidados 150 preguntas - Límite de tiempo: Protección de la Privacidad de Atención para enfermos terminales Connecticut (38a-975–999a) dos horas y media Períodos de los beneficios 1.3 Regulación federal Monto de los beneficios Ley de Informes de Créditos Justos Beneficios opcionales (15 USC 1681–1681d) Garantía de asegurabilidad 1.0 Regulación de seguros 10 % Fraude y declaraciones falsas (18 Devolución de la prima (15 elementos) USC 1033, 1034) Planes de LTC calificados 1.1 Otorgamiento de licencias Exclusiones Proceso (38a-702d, 702e, 769) Consideraciones con respecto a la Tipos de licenciatarios (38a-702f(a), 2.0 Seguros generales 9 % (14 suscripción 769) elementos) Regulaciones y disposiciones Productores residentes (38a-702d) 2.1 Conceptos obligatorias de Connecticut Consultores de seguros certificados Terminología clave sobre gestión de Normas para marketing (Reg 38a- (38a-731–733, 786) riesgos 501-16) Productores no residentes (38a-702g, Riesgo Idoneidad de compra recomendada 702n) Exposición (Reg 38a-501-17) Temporales (38a-702j) Amenaza Guía del comprador (Reg 38a-501- Mantenimiento y duración Peligro 18) Renovación (38a-702f(b)(c), 784, Pérdida Esquema de la cobertura (Reg 38a- 786(b)) Métodos para manejar los riesgos 501-21) Cambio de nombre o dirección (38a- Evasión Oferta de beneficio de no confiscación 702f(f), 771(a)) Retención (Reg 38a-501-19) Informe de acciones (38a-702o, Solidaridad Disposiciones de divulgación 771(b)) Reducción requerida (Reg 38a-501-13) Nombres ficticios (38a-702i) Transferencia Reemplazo (Reg 38a-501-12, 22) Requisitos de educación continua, Elementos de los riesgos asegurables Derecho a devolución (Reg 38a-501- exenciones y sanciones (Reg 38a- Selección adversa 11(g)) 782a-2, 10, 12-17) Ley de los grandes números Protección contra inflación (Reg 38a- Medidas disciplinarias Reaseguro 501-20) Orden de cesar y desistir (38a-817) 2.2 Aseguradoras Sociedad para Atención a Largo Plazo Audiencias (38a-16, 817, 818) Tipos de aseguradoras de Connecticut (Reg 38a-475-1–6; RL Suspensiones, revocaciones, Sociedades por acciones 17b-252) negativas para emitir o renovar, Sociedades mutuales multas (38a-2, 702k, 735, 774, 777, Sociedades de beneficencia 817, 830) Asociaciones de Lloyd's 16.0 Retribuciones de impuestos 1.2 Regulación estatal Grupos de retención de riesgos. federales sobre seguros de salud Obligaciones y facultades generales Aseguradoras privadas versus 3 % (4 elementos) del comisionado (38a-8, 10) aseguradoras gubernamentales 16.1 Seguro de salud propio Regulación de la empresa Aseguradoras permitidas versus Seguro de ingresos por discapacidad Certificado de autoridad (38a-41) aseguradoras no permitidas Seguro de gastos médicos Requisito de capital y excedente Aseguradoras nacionales, exteriores y Seguro de atención a largo plazo (38a-72) extranjeras 16.2 Seguro de salud colectivo Prácticas desleales de resolución de Situación financiera (servicios de del empleador reclamaciones (38a-816) calificación independiente) Ingresos por discapacidad (STD, LTD) Regulación del productor Sistemas de marketing (distribución) Beneficios sujetos a FICA Negocio controlado (38a-782) 2.3 Productores y reglas Gastos médicos y odontológicos Comisiones (38a-702l, 734) generales de las agencias Seguro de atención a largo plazo Actuar como agente (38a-702m) Aseguradora como principal Fallecimiento accidental y pérdida de Representar a una aseguradora no Relación productor/aseguradora algún miembro autorizada (38a-275, 703, 714) Autoridad y facultades de los 16.3 Seguros comerciales por No remisión de primas (38a-712) productores discapacidad Prácticas desleales y prohibidas Expresas Ingresos por discapacidad para Tergiversación (38a-816(1), (8)) Implícitas persona clave Publicidad falsa (38a-816(1), (2)) Evidentes Póliza de compraventa Difamación de la aseguradora (38a- 2.4 Contratos Gastos generales comerciales (BOE) 816(3)) Elementos de un contrato legal Oferta y aceptación
112 CONNECTICUT DEPARTME NT OF INSURANCE
Contraprestación Cobertura adicional/complementaria 4.1 Características y propósito Partes competentes Condiciones 4.2 Formularios de cobertura - Objeto lícito Exclusiones Peligros asegurados Características distintivas del Cláusulas adicionales Básico contrato de seguros 3.3 Disposiciones comunes de la Amplio Contrato de adhesión póliza Especial Contrato aleatorio Asegurados - designado, designado 4.3 Coberturas de propiedad Contrato personal en primer lugar, adicional Cobertura A - Vivienda Contrato unilateral Período de la póliza Cobertura B - Otras estructuras Contrato condicional Territorio de la póliza Cobertura C - Propiedad personal Interpretaciones legales que afectan Cancelación y no renovación Cobertura D - Valor de renta justo a los contratos Deducibles Cobertura E - Gastos de manutención Ambigüedades en el contrato de Otro seguro adicionales adhesión No concurrencia Otras coberturas Expectativas razonables Primaria y exceso 4.4 Exclusiones generales Indemnización Prorrata 4.5 Condiciones Principio de máxima buena fe Contribución por partes iguales 4.6 Cláusulas adicionales Declaraciones/tergiversaciones Límites de responsabilidad seleccionadas Garantías Por incidente (accidente) Disposiciones especiales - Encubrimiento Por persona Connecticut (DP 01 06) Fraude Total - general versus productos - Aumento automático en el seguro Renuncia e impedimento operaciones completadas (DP 04 11) Dividido Vivienda en construcción (DP 11 43) Combinado único 4.7 Suplemento de 3.0 Conceptos fundamentales Restauración/no reducción de límites responsabilidad personal sobre seguros de propiedad y Coseguro contra siniestros 13 % (19 Vacancia o desocupación elementos) Disposiciones de asegurados 5.0 Póliza de propietarios de 3.1 Principios y conceptos designados vivienda 14 % (21 elementos) Interés asegurable Obligaciones tras la pérdida 5.1 Formularios de cobertura Suscripción Cesión De HO-2 a HO-6 Función Abandono 5.2 Definiciones Proporción de pérdida Disposiciones de la aseguradora 5.3 Sección I - Coberturas de Tasas Liberalización propiedad Tipos Subrogación Cobertura A - Vivienda Costos de pérdida Salvamento Cobertura B - Otras estructuras Componentes Opciones de resolución de Cobertura C - Propiedad personal Amenazas reclamaciones Cobertura D - Pérdida de uso Físicos Obligación de defender Coberturas adicionales Morales Disposiciones de terceros 5.4 Sección II - Coberturas de Moral Cláusula de hipoteca estándar responsabilidad Negligencia Cláusula de pérdida pagadera Cobertura E - Responsabilidad Elementos de un acto negligente Sin beneficio para el depositario personal Defensas contra la negligencia 3.4 Leyes, regulaciones y Cobertura F - Pagos médicos a otros Daños disposiciones obligatorias de Coberturas adicionales Compensatorio - especial versus Connecticut 5.5 Peligros asegurados general Ley de Asociación de Garantía de 5.6 Exclusiones Punitivo Seguros de Connecticut (38a-836– 5.7 Condiciones Responsabilidad absoluta 853) 5.8 Cláusulas adicionales Responsabilidad estricta Cancelación y no renovación (38a- seleccionadas Responsabilidad indirecta 307, 308(e), 323, 324) Disposiciones especiales - Causas de pérdidas (peligros) Cobertura provisional (38a-309, 322) Connecticut (HO 01 06) Peligros nombrados versus peligros Acciones legales contra la Ocupaciones incidentales permitidas - especiales (abiertos) aseguradora (38a-321, 307) instalaciones residenciales (HO 04 Pérdida directa Encubrimiento o fraude (38a-307) 42) Pérdida consecuente o indirecta Tasación (38a-307) Terremoto (HO 04 54) Seguro general versus específico Disponibilidad de seguros para bienes Propiedad personal catalogada (HO Tipos básicos de construcción inmuebles independientemente de la 04 61) Valuación de pérdida ubicación (Reg 38a-824-1–3) Cobertura limitada por hongos, Valor en efectivo real Póliza estándar contra incendios de pudrición húmeda o seca, o bacterias Costo de reemplazo Connecticut (38a-307) - Connecticut (HO 04 74, HO 04 75, Costo de reemplazo funcional Plan FAIR de Connecticut (Reg 38a- HO 04 76) Valor de mercado 328-1–20) Costo de reemplazo de propiedad Valor acordado Programa Federal de Seguro contra el personal (HO 04 90) Monto establecido Terrorismo (15 USC 6701; Ley Servicio de cuidado infantil en Póliza valuada Pública 107–297, 109–144, 110–160) domicilio (HO 04 97) 3.2 Estructura de la póliza Negocio en casa - Connecticut (HO 07 Declaraciones 05) Definiciones 4.0 Póliza de vivienda 5 % (7 Actividades empresariales (HO 24 71) Acuerdo o cláusula de seguro elementos) Embarcación (HO 24 75)
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Lesión personal - Connecticut (HO 24 Formularios de cobertura de Productos y operaciones completadas 79) automóvil comercial Contrato del asegurado Automóvil comercial 7.3 Propiedad comercial Garaje Formulario de condiciones de 6.0 Seguros para automóviles Daño físico a automóvil comercial propiedad comercial 14 % (21 elementos) Camioneros Formularios de cobertura 6.1 Leyes Transportista de vehículos Edificios y propiedad personal Ley de Responsabilidad Financiera de motorizados Asociación de condominio Vehículos Motorizados de Connecticut Secciones del formulario de cobertura Propietarios de unidades comerciales Límites de responsabilidad Automóviles cubiertos de condominios obligatorios (RL 17-114) Cobertura de responsabilidad Riesgo de constructores Prueba de seguro obligatoria (RL 14- Cobertura de propietarios de garajes Ingreso comercial 112(b)) Cobertura de daños físicos Responsabilidad legal Plan de riesgo asignado de seguros Exclusiones Gastos adicionales para automóviles de Connecticut Condiciones Formularios de causas de pérdidas (38a-329) Definiciones Básico Conductor no asegurado/sin seguro Cláusulas adicionales seleccionadas Amplio suficiente (38a-336) Cambios en Connecticut (CA 01 07) Especial Definiciones Arrendador - asegurado adicional y Cláusulas adicionales seleccionadas Lesión corporal beneficiario de la pérdida (CA 20 01) Cobertura de ordenanza o ley (CP 04 Reducción de conductor no Equipo móvil (CA 20 15) 05) asegurado/conductor sin seguro Cobertura de pagos médicos del Cobertura de desperdicio (CP 04 40) suficiente (UM/UIM) seguro para automóviles (CA 99 03) Límite de seguro de temporada alta Límites obligatorios (Reg 38a-334– Cobertura para conducción de otro (CP 12 30) 6(d)) automóvil (CA 99 10) Formulario de informe de valor (CP Cobertura de conversión (38a-336a) Asegurado designado individual (CA 13 10) Cancelación/no renovación 99 17) 7.4 Delito comercial Motivos (38a-342) Regulaciones de compañía de Definiciones generales Aviso (38a-343, 344) transporte comercial Hurto Aviso de elegibilidad en plan de Ley de Transportistas de Vehículos Robo riesgo asignado (38a-345) Motorizados de 1980 Atraco Rechazo, cancelación o no renovación Cláusula adicional para pólizas de Formularios de cobertura de delitos ilegales (38a-358, 815, 816(9), transportistas de vehículos Formularios de cobertura de delitos 817(b)) motorizados para seguros de comerciales (descubrimiento/pérdida Regulación de repuestos no originales responsabilidad civil (MCS-90) sufrida) (38a-355) Formularios de cobertura de delitos Pérdida total constructiva (38a-353) gubernamentales Arbitraje (Reg 38a-10-1–4) 7.0 Póliza de paquete comercial (descubrimiento/pérdida sufrida) 6.2 Póliza de automóvil personal (CPP) 10 % (15 elementos) Coberturas Definiciones 7.1 Componentes de una póliza Robo cometido por empleados Cobertura de responsabilidad comercial Falsificación o alteración Lesión corporal y daños a la Declaraciones comunes de la póliza Dentro de las instalaciones - robo de propiedad Condiciones comunes de la póliza dinero y valores Pagos suplementarios Cláusulas adicionales entre líneas Dentro de las instalaciones - atraco o Exclusiones Una o más partes de cobertura hurto de caja fuerte de otras Cobertura de pagos médicos 7.2 Responsabilidad comercial propiedades Cobertura de conductores no general Fuera de las instalaciones asegurados Formularios de cobertura de Fraude informático Cobertura de daños en su automóvil responsabilidad comercial general Fraude de transferencia de fondos Colisión Responsabilidad por lesiones Giros postales y dinero falsificado Otro que no sea colisión corporales y daños materiales Cobertura de otros delitos Deducibles Responsabilidad por daños personales Extorsión - entidades comerciales (CR Gastos de transporte y por publicidad 04 03) Exclusiones Pagos médicos 7.5 Transporte terrestre Obligaciones después de un accidente Exclusiones comercial o pérdida Pagos suplementarios Definiciones marinas a nivel nacional Disposiciones generales Quién es el asegurado (Nationwide marine definition) Cláusulas adicionales seleccionadas Límites del seguro Formulario de condiciones de Enmienda de disposiciones de la Condiciones transporte terrestre comercial póliza - Connecticut (PP 01 54) Definiciones Formularios de cobertura de Gastos de remolque y mano de obra Incidentes versus reclamos transporte terrestre (PP 03 03) presentados Cuentas por cobrar Cobertura extendida ajena - Características de reclamos Cliente del depositario vehículos equipados o disponibles presentados (estándares mínimos de Artículos comerciales para uso regular (PP 03 06) Connecticut) (Reg 38a-327-1–6) Flotante de equipo de contratistas Vehículo de tipo diverso (PP 03 23) Disparador Procesamiento de datos electrónicos Cobertura de propiedad conjunta - Fecha retroactiva Comerciantes de equipos Connecticut (PP 13 45) Períodos de informe extendidos Flotante de instalación 6.3 Automóvil comercial Información de reclamación Cobertura total de joyería Instalaciones y operaciones Señales Documentos y registros valiosos
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Coberturas de transporte 8.4 Sección III de propietarios de Planes de participación (dividendos) Responsabilidad de cargamento de negocios - Condiciones comunes 9.4 Otras fuentes de cobertura compañía de transporte común de la póliza Plan de seguro de indemnización por Formularios de cargamento de 8.5 Cláusulas adicionales accidentes laborales de Connecticut camiones seleccionadas Empleadores autoasegurados (RL 31- Formularios de cobertura en tránsito Responsabilidad de automóvil 285, 286) 7.6 Avería de equipos alquilado y automóvil ajeno (BP 04 Asociaciones de seguros mutuos de Formulario de cobertura de 04) empleadores (RL 31-328–339) protección contra avería de equipos Salvaguardas de protección (BP 04 (EB 00 20) 30) Cláusula adicional seleccionada Servicios públicos - daños directos 10.0 Otras coberturas y opciones Valor en efectivo real (EB 99 59) (BP 04 56) 6 % (9 elementos) 7.7 Cobertura para granjas Servicios públicos - elemento 10.1 Pólizas de responsabilidad Formulario de cobertura de propiedad temporal (BP 04 57) extendida/en exceso de granja Personal (DL 98 01) Cobertura A - Viviendas Comercial (CU 00 01) Cobertura B - Otras estructuras 9.0 Seguro de indemnización por 10.2 Seguro de responsabilidad privadas accidentes laborales 10 % (15 de especialidad Cobertura C - Propiedad personal elementos) Responsabilidad profesional doméstica 9.1 Leyes de indemnización por Errores y omisiones Cobertura D - Pérdida de uso accidentes laborales Responsabilidad de directores y Cobertura E - Propiedad personal Tipos de leyes oficiales agrícola catalogada Monopolístico versus competitivo Responsabilidad del fiduciario Cobertura F - Propiedad personal Obligatorio versus electivo Responsabilidad por el uso de alcohol agrícola no catalogada Ley de Indemnización por Accidentes Responsabilidad por prácticas Cobertura G - Otras estructuras de Laborales de Connecticut (Título 31 laborales granja Capítulo 568) 10.3 Líneas excedentes Formulario de cobertura de Recurso exclusivo (RL 31-284(a), Definiciones y mercados responsabilidad de granja 293a) Requisitos de otorgamiento de Cobertura H - Responsabilidad por Empleo cubierto (obligatorio, licencia lesiones corporales y daños a la voluntario) (RL 31-275(9), (10)) Lista exportable propiedad Lesiones cubiertas (RL 31-275(1), Declaraciones juradas Cobertura I - Responsabilidad por (16), 284(a), 294c, 295) 10.4 Garantías lesiones personales y por publicidad Enfermedad ocupacional (RL 31- Principal, acreedor, garante Cobertura J - Pagos médicos 275(15)) Garantías de cumplimiento Formulario de cobertura de ganado Beneficios proporcionados (RL 31- contractual Formulario de cobertura para 275(12), 283a, 295, 306, 306b, 307, Garantía de licencia y permiso maquinaria y equipo agrícola móvil 308, 308a) Garantía judicial Causas de pérdidas (básica, amplia y Fondo de segundas lesiones (RL 31- 10.5 Programa Nacional de especial) 349, 350, 352-355b) Seguros contra Inundaciones Exclusiones Leyes federales de indemnización por "Propio" versus gubernamental Coberturas adicionales accidentes laborales Elegibilidad Límites del seguro Ley Federal de Responsabilidad de los Cobertura Condiciones Empleadores (FELA) (45 USC 51–60) Límites Definiciones Ley de Indemnización por Accidentes Deducibles Laborales para Estibadores y 10.6 Otras pólizas Trabajadores Portuarios de los Propietarios de botes 8.0 Póliza de propietarios de Estados Unidos (33 USC 904) Diferencia en condiciones negocios 9 % (14 elementos) La Ley Jones (46 USC 688) 8.1 Características y propósito 9.2 Póliza de seguro de 8.2 Sección I de propietarios de indemnización por accidentes negocios - Propiedad laborales y responsabilidad del Examen de seguro de propiedad Cobertura empleador Exclusiones Sección general del productor de Connecticut Límites del seguro Parte uno - Seguro de indemnización Serie 18-90 Deducibles por accidentes laborales Condiciones de pérdida Parte dos - Seguro de responsabilidad 100 preguntas - Límite de tiempo: Condiciones generales de los empleadores dos horas y media Coberturas opcionales Parte tres - Seguro de otros Estados Definiciones Parte cuatro - Sus obligaciones en 8.3 Sección II de propietarios de caso de ocurrir una lesión negocios - Responsabilidad Parte cinco - Prima 1.0 Regulación de seguros 8 % (8 Coberturas Parte seis - Condiciones elementos) Exclusiones Cláusulas adicionales seleccionadas 1.1 Otorgamiento de licencias Quién es el asegurado Compensación voluntaria Proceso (38a-702d, 702e, 769) Límites del seguro 9.3 Cálculo de la prima Tipos de licenciatarios (38a-702f(a), Condiciones generales Clasificación de empleos - nómina y 769) Definiciones tarifas Productores residentes (38a-702d) Factor de modificación de experiencia Consultores de seguros certificados Descuentos de primas (38a-731–733, 786)
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Productores no residentes (38a-702g, Exposición Interés asegurable 702n) Amenaza Suscripción Temporales (38a-702j) Peligro Función Mantenimiento y duración Pérdida Proporción de pérdida Renovación (38a-702f(b)(c), 784, Métodos para manejar los riesgos Tasas 786(b)) Evasión Tipos Cambio de nombre o dirección (38a- Retención Costos de pérdida 702f(f), 771(a)) Solidaridad Componentes Informe de acciones (38a-702o, Reducción Amenazas 771(b)) Transferencia Físicos Nombres ficticios (38a-702i) Elementos de los riesgos asegurables Morales Requisitos de educación continua, Selección adversa Moral exenciones y sanciones (Reg 38a- Ley de los grandes números Causas de pérdidas (peligros) 782a-2, 10, 12-17) Reaseguro Peligros nombrados versus peligros Medidas disciplinarias 2.2 Aseguradoras especiales (abiertos) Orden de cesar y desistir (38a-817) Tipos de aseguradoras Pérdida directa Audiencias (38a-16, 817, 818) Sociedades por acciones Pérdida consecuente o indirecta Suspensiones, revocaciones, Sociedades mutuales Seguro general versus específico negativas para emitir o renovar, Sociedades de beneficencia Tipos básicos de construcción multas (38a-2, 702k, 735, 774, 777, Asociaciones de Lloyd's Valuación de pérdida 817, 830) Grupos de retención de riesgos. Valor en efectivo real 1.2 Regulación estatal Aseguradoras privadas versus Costo de reemplazo Obligaciones y facultades generales aseguradoras gubernamentales Costo de reemplazo funcional del comisionado (38a-8, 10) Aseguradoras permitidas versus Valor de mercado Regulación de la empresa aseguradoras no permitidas Valor acordado Certificado de autoridad (38a-41) Aseguradoras nacionales, exteriores y Monto establecido Requisito de capital y excedente extranjeras Póliza valuada (38a-72) Situación financiera (servicios de 3.2 Estructura de la póliza Prácticas desleales de resolución de calificación independiente) Declaraciones reclamaciones (38a-816) Sistemas de marketing (distribución) Definiciones Regulación del productor 2.3 Productores y reglas Acuerdo o cláusula de seguro Negocio controlado (38a-782) generales de las agencias Cobertura adicional/complementaria Comisiones (38a-702l, 734) Aseguradora como principal Condiciones Actuar como agente (38a-702m) Relación productor/aseguradora Exclusiones Representar a una aseguradora no Autoridad y facultades de los Cláusulas adicionales autorizada (38a-275, 703, 714) productores 3.3 Disposiciones comunes de la No remisión de primas (38a-712) Expresas póliza Prácticas desleales y prohibidas Implícitas Asegurados - designado, designado Tergiversación (38a-816(1), (8)) Evidentes en primer lugar, adicional Publicidad falsa (38a-816(1), (2)) 2.4 Contratos Período de la póliza Difamación de la aseguradora (38a- Elementos de un contrato legal Territorio de la póliza 816(3)) Oferta y aceptación Cancelación y no renovación Boicot, coerción e intimidación (38a- Contraprestación Deducibles 816(4)) Partes competentes Otro seguro Estados financieros falsos (38a- Objeto lícito No concurrencia 816(5)) Características distintivas del Primaria y exceso No mantenimiento de registros de contrato de seguros Prorrata reclamaciones (38a-816(7)) Contrato de adhesión Límites de la póliza Discriminación injusta (38a-816(12), Contrato aleatorio Restauración/no reducción de límites (13)) Contrato personal Coseguro Reembolso (38a-816(9), 825) Contrato unilateral Vacancia o desocupación Distorsión (38a-826) Contrato condicional Disposiciones de asegurados Análisis de libros y registros (38a- Interpretaciones legales que afectan designados 769(f)) a los contratos Obligaciones tras la pérdida Ley sobre Información de Seguros y Ambigüedades en el contrato de Cesión Protección de la Privacidad de adhesión Abandono Connecticut (38a-975–999a) Expectativas razonables Disposiciones de la aseguradora 1.3 Regulación federal Indemnización Liberalización Ley de Informes de Créditos Justos Principio de máxima buena fe Subrogación (15 USC 1681–1681d) Declaraciones/tergiversaciones Salvamento Fraude y declaraciones falsas (18 Garantías Opciones de resolución de USC 1033, 1034) Encubrimiento reclamaciones Fraude Disposiciones de terceros Renuncia e impedimento Cláusula de hipoteca estándar 2.0 Seguros generales 7 % (7 Cláusula de pérdida pagadera elementos) Sin beneficio para el depositario 2.1 Conceptos 3.0 Conceptos fundamentales 3.4 Leyes, regulaciones y Terminología clave sobre gestión de sobre seguros de propiedad 20 % disposiciones obligatorias de riesgos (20 elementos) Connecticut Riesgo 3.1 Principios y conceptos
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Ley de Asociación de Garantía de Ocupaciones incidentales permitidas - Responsabilidad de compañía de Seguros de Connecticut (38a-836– instalaciones residenciales (HO 04 transporte común 853) 42) Formularios de cargamento de Cancelación y no renovación (38a- Terremoto (HO 04 54) camiones 307, 308(e), 323, 324) Propiedad personal catalogada (HO Formularios de cobertura en tránsito Cobertura provisional (38a-309, 322) 04 61) 6.4 Avería de equipos Acciones legales contra la Cobertura limitada por hongos, Formulario de cobertura de aseguradora (38a-290, 307) pudrición húmeda o seca, o bacterias protección contra avería de equipos Encubrimiento o fraude (38a-307) - Connecticut (HO 04 74, HO 04 75, (EB 00 20) Tasación (38a-307) HO 04 76) Cláusula adicional seleccionada Disponibilidad de seguros para bienes Costo de reemplazo de propiedad Valor en efectivo real (EB 99 59) inmuebles independientemente de la personal (HO 04 90) 6.5 Cobertura para granjas ubicación (Reg 38a-824-1–3) Servicio de cuidado infantil en Formulario de cobertura de propiedad Póliza estándar contra incendios de domicilio (HO 04 97) de granja Connecticut (38a-307) Negocio en casa - Connecticut (HO 07 Cobertura A - Viviendas Plan FAIR de Connecticut (Reg 38a- 05) Cobertura B - Otras estructuras 328-1–20) privadas Programa Federal de Seguro contra el Cobertura C - Propiedad personal Terrorismo (15 USC 6701; Ley 6.0 Póliza de paquete comercial doméstica Pública 107–297, 109–144, 110–160) (CPP) 15 % (15 elementos) Cobertura D - Pérdida de uso 6.1 Componentes de una póliza Cobertura E - Propiedad personal comercial agrícola catalogada 4.0 Póliza de vivienda 7 % (7 Declaraciones comunes de la póliza Cobertura F - Propiedad personal elementos) Condiciones comunes de la póliza agrícola no catalogada 4.1 Características y propósito Cláusulas adicionales entre líneas Cobertura G - Otras estructuras de 4.2 Formularios de cobertura - Una o más partes de cobertura granja Peligros asegurados 6.2 Propiedad comercial Formulario de cobertura de ganado Básico Formulario de condiciones de Formulario de cobertura para Amplio propiedad comercial maquinaria y equipo agrícola móvil Especial Formularios de cobertura Causas de pérdidas (básica, amplia y 4.3 Coberturas de propiedad Edificios y propiedad personal especial) Cobertura A - Vivienda Asociación de condominio Exclusiones Cobertura B - Otras estructuras Propietarios de unidades comerciales Coberturas adicionales Cobertura C - Propiedad personal de condominios Límites del seguro Cobertura D - Valor de renta justo Riesgo de constructores Condiciones Cobertura E - Gastos de manutención Ingreso comercial Definiciones adicionales Responsabilidad legal Otras coberturas Gastos adicionales 4.4 Exclusiones generales Formularios de causas de pérdidas 7.0 Póliza de propietarios de 4.5 Condiciones Básico negocios 13 % (13 elementos) 4.6 Cláusulas adicionales Amplio 7.1 Características y propósito seleccionadas Especial 7.2 Sección I de propietarios de Disposiciones especiales - Cláusulas adicionales seleccionadas negocios - Propiedad Connecticut (DP 01 06) Cobertura de ordenanza o ley (CP 04 Cobertura Aumento automático en el seguro 05) Exclusiones (DP 04 11) Cobertura de desperdicio (CP 04 40) Límites del seguro Vivienda en construcción (DP 11 43) Límite de seguro de temporada alta Deducibles 4.7 Suplemento de (CP 12 30) Condiciones de pérdida responsabilidad personal Formulario de informe de valor (CP Condiciones generales 13 10) Coberturas opcionales 5.0 Póliza de propietarios de 6.3 Transporte terrestre Definiciones vivienda 21 % (21 elementos) comercial 7.3 Sección III de propietarios de 5.1 Formularios de cobertura Definiciones marinas a nivel nacional negocios - Condiciones comunes De HO-2 a HO-6 (Nationwide marine definition) de la póliza 5.2 Definiciones Formulario de condiciones de 7.4 Cláusulas adicionales 5.3 Sección I - Coberturas de transporte terrestre comercial seleccionadas propiedad Formularios de cobertura de Salvaguardas de protección (BP 04 Cobertura A - Vivienda transporte terrestre 30) Cobertura B - Otras estructuras Cuentas por cobrar Servicios públicos - daños directos Cobertura C - Propiedad personal Cliente del depositario (BP 04 56) Cobertura D - Pérdida de uso Artículos comerciales Servicios públicos - elemento Coberturas adicionales Flotante de equipo de contratistas temporal (BP 04 57) 5.4 Peligros asegurados Procesamiento de datos electrónicos 5.5 Exclusiones Comerciantes de equipos 5.6 Condiciones Flotante de instalación 8.0 Otras coberturas y opciones 5.7 Cláusulas adicionales Cobertura total de joyería 9 % (9 elementos) seleccionadas Señales 8.1 Programa Nacional de Disposiciones especiales - Documentos y registros valiosos Seguros contra Inundaciones Connecticut (HO 01 06) Coberturas de transporte "Propio" versus gubernamental Elegibilidad
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Cobertura Difamación de la aseguradora (38a- Elementos de un contrato legal Límites 816(3)) Oferta y aceptación Deducibles Boicot, coerción e intimidación (38a- Contraprestación 8.2 Otras pólizas 816(4)) Partes competentes Propietarios de botes Estados financieros falsos (38a- Objeto lícito Diferencia en condiciones 816(5)) Características distintivas del No mantenimiento de registros de contrato de seguros reclamaciones (38a-816(7)) Contrato de adhesión Discriminación injusta (38a-816(12), Contrato aleatorio (13)) Contrato personal Reembolso (38a-816(9), 825) Contrato unilateral Examen de seguros contra Distorsión (38a-826) Contrato condicional siniestros del productor de Análisis de libros y registros (38a- Interpretaciones legales que afectan Connecticut 769(f)) a los contratos Serie 18-91 Ley sobre Información de Seguros y Ambigüedades en el contrato de Protección de la Privacidad de adhesión 100 preguntas - Límite de tiempo: Connecticut (38a-975–999a) Expectativas razonables 1.3 Regulación federal Indemnización dos horas y media Ley de Informes de Créditos Justos Principio de máxima buena fe (15 USC 1681–1681d) Declaraciones/tergiversaciones Fraude y declaraciones falsas (18 Garantías 1.0 Regulación de seguros 8 % (8 USC 1033, 1034) Encubrimiento elementos) Fraude 1.1 Otorgamiento de licencias Renuncia e impedimento Proceso (38a-702d, 702e, 769) 2.0 Seguros generales 7 % (7 Tipos de licenciatarios (38a-702f(a), elementos) 769) 2.1 Conceptos 3.0 Conceptos fundamentales Productores residentes (38a-702d) Terminología clave sobre gestión de sobre seguros contra siniestros Consultores de seguros certificados riesgos 17 % (17 elementos) (38a-731–733, 786) Riesgo 3.1 Principios y conceptos Productores no residentes (38a-702g, Exposición Interés asegurable 702n) Amenaza Suscripción Temporales (38a-702j) Peligro Función Mantenimiento y duración Pérdida Proporción de pérdida Renovación (38a-702f(b)(c), 784, Métodos para manejar los riesgos Tasas 786(b)) Evasión Tipos Cambio de nombre o dirección (38a- Retención Costos de pérdida 702f(f), 771(a)) Solidaridad Componentes Informe de acciones (38a-702o, Reducción Amenazas 771(b)) Transferencia Físicos Nombres ficticios (38a-702i) Elementos de los riesgos asegurables Morales Requisitos de educación continua, Selección adversa Moral exenciones y sanciones (Reg 38a- Ley de los grandes números Negligencia 782a-2, 10, 12-17) Reaseguro Elementos de un acto negligente Medidas disciplinarias 2.2 Aseguradoras Defensas contra la negligencia Orden de cesar y desistir (38a-817) Tipos de aseguradoras Daños Audiencias (38a-16, 817, 818) Sociedades por acciones Compensatorio - especial versus Suspensiones, revocaciones, Sociedades mutuales general negativas para emitir o renovar, Sociedades de beneficencia Punitivo multas (38a-2, 702k, 735, 774, 777, Asociaciones de Lloyd's Responsabilidad absoluta 817, 830) Grupos de retención de riesgos. Responsabilidad estricta 1.2 Regulación estatal Aseguradoras privadas versus Responsabilidad indirecta Obligaciones y facultades generales aseguradoras gubernamentales 3.2 Estructura de la póliza del comisionado (38a-8, 10) Aseguradoras permitidas versus Declaraciones Regulación de la empresa aseguradoras no permitidas Definiciones Certificado de autoridad (38a-41) Aseguradoras nacionales, exteriores y Acuerdo o cláusula de seguro Requisito de capital y excedente extranjeras Cobertura adicional/complementaria (38a-72) Situación financiera (servicios de Condiciones Prácticas desleales de resolución de calificación independiente) Exclusiones reclamaciones (38a-816) Sistemas de marketing (distribución) Cláusulas adicionales Regulación del productor 2.3 Productores y reglas 3.3 Disposiciones comunes de la Negocio controlado (38a-782(b)) generales de las agencias póliza Comisiones (38a-702l, 734) Aseguradora como principal Asegurados - designado, designado Actuar como agente (38a-702m) Relación productor/aseguradora en primer lugar, adicional Representar a una aseguradora no Autoridad y facultades de los Período de la póliza autorizada (38a-275, 703, 714) productores Territorio de la póliza No remisión de primas (38a-712) Expresas Cancelación y no renovación Prácticas desleales y prohibidas Implícitas Deducibles Tergiversación (38a-816(1), (8)) Evidentes Otro seguro Publicidad falsa (38a-816(1), (2)) 2.4 Contratos No concurrencia
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Primaria y exceso Lesión personal - Connecticut (HO 24 Cobertura de propiedad conjunta - Prorrata 79) Connecticut (PP 13 45) Contribución por partes iguales 5.3 Automóvil comercial Límites de responsabilidad Formularios de cobertura de Por incidente (accidente) 5.0 Seguros para automóviles automóvil comercial Por persona 18 % (18 elementos) Automóvil comercial Total - general versus productos - 5.1 Leyes Garaje operaciones completadas Ley de Responsabilidad Financiera de Daño físico a automóvil comercial Dividido Vehículos Motorizados de Connecticut Camioneros Combinado único Límites de responsabilidad Transportista de vehículos Disposiciones de asegurados obligatorios (RL 17-114) motorizados designados Prueba de seguro obligatoria (RL 14- Secciones del formulario de cobertura Obligaciones tras la pérdida 112(b)) Automóviles cubiertos Cesión Plan de riesgo asignado de seguros Cobertura de responsabilidad Disposiciones de la aseguradora para automóviles de Connecticut Cobertura de propietarios de garajes Liberalización (38a-329) Cobertura de daños físicos Subrogación Conductor no asegurado/sin seguro Exclusiones Obligación de defender suficiente (38a-336) Condiciones 3.4 Leyes, regulaciones y Definiciones Definiciones disposiciones obligatorias de Lesión corporal Cláusulas adicionales seleccionadas Connecticut Reducción de conductor no Cambios en Connecticut (CA 01 07) Ley de Asociación de Garantía de asegurado/conductor sin seguro Arrendador - asegurado adicional y Seguros de Connecticut (38a-836– suficiente (UM/UIM) beneficiario de la pérdida (CA 20 01) 853) Límites obligatorios (Reg 38a-334– Equipo móvil (CA 20 15) Cancelación y no renovación (38a- 6(d)) Cobertura de pagos médicos del 307, 308(e), 323, 324) Cobertura de conversión (38a-336a) seguro para automóviles (CA 99 03) Cobertura provisional (38a-309, 322) Cancelación/no renovación Cobertura para conducción de otro Acciones legales contra la Motivos (38a-342) automóvil (CA 99 10) aseguradora (38a-290, 307) Aviso (38a-343, 344) Asegurado designado individual (CA Encubrimiento o fraude (38a-307) Aviso de elegibilidad en plan de 99 17) Póliza estándar contra incendios de riesgo asignado (38a-345) Regulaciones de compañía de Connecticut (38a-307) Rechazo, cancelación o no renovación transporte comercial Plan FAIR de Connecticut (Reg 38a- ilegales (38a-358, 815, 816(9), Ley de Transportistas de Vehículos 328-1–20) 817(b)) Motorizados de 1980 Programa Federal de Seguros contra Regulación de repuestos no originales Cláusula adicional para pólizas de Terrorismo (15 USC 6701; Derecho (38a-355) transportistas de vehículos Público 107–297, 109–144, 110–160) Pérdida total constructiva (38a-353) motorizados para seguros de Arbitraje (Reg 38a-10-1–4) responsabilidad civil (MCS-90) Divulgación de límites de la póliza de 4.0 Póliza de propietarios de responsabilidad de automóvil (38a- vivienda 18 % (18 elementos) 335a) 6.0 Póliza de paquete comercial 4.1 Formularios de cobertura 5.2 Póliza de automóvil personal (CPP) 10 % (10 elementos) De HO-2 a HO-6 Definiciones 6.1 Componentes de una póliza 4.2 Definiciones Cobertura de responsabilidad comercial 4.3 Sección II - Coberturas de Lesión corporal y daños a la Declaraciones comunes de la póliza responsabilidad propiedad Condiciones comunes de la póliza Cobertura E - Responsabilidad Pagos suplementarios Cláusulas adicionales entre líneas personal Exclusiones Una o más partes de cobertura Cobertura F - Pagos médicos a otros Cobertura de pagos médicos 6.2 Responsabilidad comercial Coberturas adicionales Cobertura de conductores no general 4.4 Exclusiones asegurados Formularios de cobertura de 4.5 Condiciones Cobertura de daños en su automóvil responsabilidad comercial general 4.6 Cláusulas adicionales Colisión Responsabilidad por lesiones seleccionadas Otro que no sea colisión corporales y daños materiales Disposiciones especiales - Deducibles Responsabilidad por daños personales Connecticut (HO 01 06) Gastos de transporte y por publicidad Ocupaciones incidentales permitidas - Exclusiones Pagos médicos instalaciones residenciales (HO 04 Obligaciones después de un accidente Exclusiones 42) o pérdida Pagos suplementarios Cobertura limitada por hongos, Disposiciones generales Quién es el asegurado pudrición húmeda o seca, o bacterias Cláusulas adicionales seleccionadas Límites del seguro - Connecticut (HO 04 74, HO 04 75, Enmienda de disposiciones de la Condiciones HO 04 76) póliza - Connecticut (PP 01 54) Definiciones Servicio de cuidado infantil en Gastos de remolque y mano de obra Incidentes versus reclamos domicilio (HO 04 97) (PP 03 03) presentados Negocio en casa - Connecticut (HO 07 Cobertura extendida ajena - Características de reclamos 05) vehículos equipados o disponibles presentados (estándares mínimos de Actividades empresariales (HO 24 71) para uso regular (PP 03 06) Connecticut) (Reg 38a-327-1–6) Embarcación (HO 24 75) Vehículo de tipo diverso (PP 03 23) Disparador Fecha retroactiva
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Períodos de informe extendidos 7.4 Cláusulas adicionales Plan de seguro de indemnización por Información de reclamación seleccionadas accidentes laborales de Connecticut Instalaciones y operaciones Responsabilidad de automóvil Empleadores autoasegurados (RL 31- Productos y operaciones completadas alquilado y automóvil ajeno (BP 04 285, 286) Contrato del asegurado 04) Asociaciones de seguros mutuos de 6.3 Delito comercial empleadores (RL 31-328–339) Definiciones generales Hurto 8.0 Seguro de indemnización por Robo accidentes laborales 8 % (8 9.0 Otras coberturas y opciones Atraco elementos) 5 % (5 elementos) Formularios de cobertura de delitos 8.1 Leyes de indemnización por 9.1 Pólizas de responsabilidad Formularios de cobertura de delitos accidentes laborales extendida/en exceso comerciales (descubrimiento/pérdida Tipos de leyes Personal (DL 98 01) sufrida) Monopolístico versus competitivo Comercial (CU 00 01) Formularios de cobertura de delitos Obligatorio versus electivo 9.2 Seguro de responsabilidad de gubernamentales Ley de Indemnización por Accidentes especialidad (descubrimiento/pérdida sufrida) Laborales de Connecticut (Título 31 Responsabilidad profesional Coberturas Capítulo 568) Errores y omisiones Robo cometido por empleados Recurso exclusivo (RL 31-284(a), Responsabilidad de directores y Falsificación o alteración 293a) oficiales Dentro de las instalaciones - robo de Empleo cubierto (obligatorio, Responsabilidad del fiduciario dinero y valores voluntario) (RL 31-275(9), (10)) Responsabilidad por el uso de alcohol Dentro de las instalaciones - atraco o Lesiones cubiertas (RL 31-275(1), Responsabilidad por prácticas hurto de caja fuerte de otras (16), 284(a), 294c, 295) laborales propiedades Enfermedad ocupacional (RL 31- 9.3 Líneas excedentes Fuera de las instalaciones 275(15)) Definiciones y mercados Fraude informático Beneficios proporcionados (RL 31- Requisitos de otorgamiento de Fraude de transferencia de fondos 275(12), 283a, 295, 306, 306b, 307, licencia Giros postales y dinero falsificado 308, 308a) Lista exportable Cobertura de otros delitos Fondo de segundas lesiones (RL 31- Declaraciones juradas Extorsión - entidades comerciales (CR 349, 352-355b) 9.4 Garantías 04 03) Leyes federales de indemnización por Principal, acreedor, garante 6.4 Cobertura para granjas accidentes laborales Garantías de cumplimiento Formulario de cobertura de Ley Federal de Responsabilidad de los contractual responsabilidad de granja Empleadores (FELA) (45 USC 51–60) Garantía de licencia y permiso Cobertura H - Responsabilidad por Ley de Indemnización por Accidentes Garantía judicial lesiones corporales y daños a la Laborales para Estibadores y 9.5 Otras pólizas propiedad Trabajadores Portuarios de los Propietarios de botes Cobertura I - Responsabilidad por Estados Unidos (33 USC 904) lesiones personales y por publicidad La Ley Jones (46 USC 688) Cobertura J - Pagos médicos 8.2 Póliza de seguro de Exclusiones indemnización por accidentes Coberturas adicionales laborales y responsabilidad del Límites del seguro empleador Condiciones Sección general Definiciones Parte uno - Seguro de indemnización por accidentes laborales Parte dos - Seguro de responsabilidad 7.0 Póliza de propietarios de de los empleadores negocios 9 % (9 elementos) Parte tres - Seguro de otros Estados 7.1 Características y propósito Parte cuatro - Sus obligaciones en 7.2 Sección II de propietarios de caso de ocurrir una lesión negocios - Responsabilidad Parte cinco - Prima Coberturas Parte seis - Condiciones Exclusiones Cláusula adicional seleccionada Quién es el asegurado Compensación voluntaria Límites del seguro 8.3 Cálculo de la prima Condiciones generales Clasificación de empleos - nómina y Definiciones tarifas 7.3 Sección III de propietarios de Factor de modificación de experiencia negocios - Condiciones comunes Descuentos de primas de la póliza Planes de participación (dividendos) 8.4 Otras fuentes de cobertura
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Exam Registration Form Connecticut Insurance Examinations To conveniently register online, please go to https://www.prometric.com/en- us/clients/insurance/Pages/connecticut.aspx Print or type clearly and neatly. Incomplete or illegible forms will not be processed. Last Name First Name Middle Name
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Series Exam Title Exam Fee 18-01 Producer’s Life Insurance $58 18-02 Producer’s Accident, Health and Sickness Insurance $58 18-03 Producer’s Life/Accident, Health and Sickness Insurance $83 18-04 Producer’s Property/Casualty Insurance (includes Personal Lines) $83 18-05 Consultant’s Life/Accident, Health and Sickness Insurance $40 18-06 Consultant’s Property/Casualty Insurance $40 18-07 Surplus Lines Broker $34 18-08 Public Adjuster $29 18-09 Property & Casualty Claims Adjuster’s All Lines Insurance $34 18-10 Property & Casualty Claims Adjuster’s All Lines Except Worker’s Compensation Insurance $63 18-11 Property & Casualty Claims Adjuster’s Exam for Worker’s Compensation $34 18-12 Property & Casualty Claims Adjuster’s Auto Only $63 18-13 Surety Bail Bond Agent $29 18-16 Motor Vehicle Physical Damage Appraiser $94 18-18 Producer’s Personal Lines Insurance $29 18-19 Producer’s Property Insurance $29 18-20 Producer’s Casualty Insurance $29 Photo Only Appt. (Bail Bond) $20 18-75 Examen de seguro de vida del productor de Connecticut $58 18-76 Examen de seguro contra accidentes y de salud del productor de Connecticut $58 18-77 Examen de seguro de vida/contra accidentes y de salud del productor de Connecticut $83 18-78 Examen de seguro de propiedad/contra siniestros del productor de Connecticut $83 18-90 Examen de seguro de propiedad del productor de Connecticut $29 18-91 Examen de seguros contra siniestros del productor de Connecticut $29 Total Fee Registration fees are not refundable. Fees may be paid by cashier’s check, company check, money order, MasterCard , Visa or American Express. Make company checks, cashier’s checks and money orders payable to Prometric. Please put your phone number on the check. Personal checks and cash are not accepted. To pay by credit card (when registering by mail or fax), please complete the Credit Card Payment Form on the next page and fax to 800.347.9242, or send this completed form along with the appropriate fee to: Prometric ATTN: CT Insurance Exam Registration 7941 Corporate Drive Nottingham, MD 21236
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