PSI licensure:certification 3210 E Tropicana Las Vegas, NV 89121 E-mail: [email protected] https://home.psiexams.com/#/home

STATE OF OREGON

DIVISION OF FINANCIAL REGULATION CANDIDATE INFORMATION BULLETIN

Examinations by PSI licensure: certification ...... 2 Reporting to the Examination Site ...... 11 Examination and Licensure Requirements ...... 2 Required Identification ...... 11 Examination Payment and Scheduling Procedures ...... 4 Security Procedures ...... 11 On-line Testing at a PSI test site ...... 4 Taking the Examination by Computer ...... 12 Testing remotely ...... 8 Identification Screen ...... 12 Telephone Scheduling ...... 9 Tutorial ...... 12 Rescheduling/Canceling an Examination ...... 9 Exam Question Screen ...... 12 Retaking a Failed Examination ...... 9 Remote Online Proctored Exam ...... 12 Missed Appointment or Late Cancellation ...... 9 Examination Review ...... 13 Exam Accommodations ...... 9 Score Reporting ...... 13 Emergency Examination Center Closing ...... 9 Tips for Preparing for your License Examination ...... 14 Social Security Confidentiality ...... 10 Examination Content Outlines ...... 14 Examination Site Locations ...... 10 Registration Form ...... End of Bulletin Exam Accommodations Request Form ...... End of Bulletin

Please refer to our website to check for the most updated information at https://home.psiexams.com/#/home

Copyright © 2021 by PSI licensure:certification Updated 9/1/2021 EXAMINATIONS BY PSI If you have an existing, valid Oregon Insurance License and are testing for another Class of Insurance, you do NOT need to be fingerprinted. Prints expire six months from the date This Candidate Information Bulletin provides you with you are printed. information about the examination and application process for insurance licensing in the State of Oregon. Candidates do not need to be fingerprinted: • If you have an existing, valid Oregon Insurance License The Division of Financial Regulation has contracted with PSI and are testing for another Class of Insurance. to conduct the examination program. PSI provides examinations through a network of computer examination PRELICENSING EDUCATION REQUIREMENTS centers in Oregon. PSI works closely with the State to be certain that examinations meet local as well as national requirements in basic principles and examination Prelicensing education training must be completed before development standards. taking the required examination. Resident producer license candidates must obtain training specific to the class for which they wish to be licensed (see chart below). The Division of Financial Regulation will begin using State

Based Systems (SBS) effective May 7, 2012. With the SBS License Type Minimum Hours Required implementation we will take the opportunity to implement Life 20 hours several NAIC uniformity initiatives as well as the opportunity to streamline many of our processes. SBS also provides a wide Property 20 hours array of online tools that allow you to submit, view and print Casualty 20 hours license information on a 24/7 basis. For more information on Personal Lines 20 hours changes affecting individual and business entity licensing, see Health 20 hours http://www.statebasedsystems.com/ORAnnouncement.pdf. Prelicensing education providers. A list of approved prelicensing training schools is available on the Division’s Web EXAMINATION AND LICENSURE site at www.dfr.oregon.gov. REQUIREMENTS Certificate of Completion. Once you complete a prelicensing course, the course provider will issue you a Certificate of All candidates must complete the required hours of Completion. The certificate is valid for one year. You must prelicensure education. You are required to have, in your bring the certificate with you to the test center on the day of possession, a valid school Certificate of Completion before the examination. contacting PSI to register and schedule for an examination.

This certificate must have a valid school code. THIS Waivers and exemptions. Pre-licensing education is not CERTIFICATE EXPIRES ONE YEAR TO THE DAY FROM THE required for: DATE IT IS ISSUED. CANDIDATES MUST PASS THE EXAMINATION AND APPLY FOR LICENSURE BEFORE THAT ▪ Adjusters and consultants. EXPIRATION DATE. ▪ Surplus Lines examination. ▪ Life, Health, or Life and Health Producer license General Lines Insurance Adjuster, Health Insurance, applicants holding the Chartered Life Underwriter (CLU) Adjuster, and Surplus Lines Insurance Producer are the designation. Verification of designation must be ONLY examinations that does not require verification. submitted to the Division with your license application. ▪ Property and Casualty Producer license applicants Upon passing the examination, the candidate must complete holding the Chartered Property Casualty Underwriter electronic fingerprints, and submit a complete electronic (CPCU) designation. Verification of designation must be application at https://nipr.com/. Upon approval of your submitted to the Division with your license application. licensure, your status will be shown, and you can print a copy of your license online, such as through License Manager You may contact the Division with questions about waivers. If available at https://nipr.com/. a waiver is issued, you must bring the original waiver letter with you to the test center on the day of the examination. ALL applicants must provide a set of fingerprints to the Division of Financial Regulation for the purpose of conducting Relocating to Oregon. If you were previously licensed in a state and national fingerprint-based criminal history record. another state, you need not complete any education or examination requirements if you are applying for the same You can be electronically fingerprinted at one of PSI Oregon lines authority and your application is received no more than sites, during regular testing hours, on the day of your 90 days after the cancellation of your license in the other examination. The prints will be forwarded electronically to state and the establishment of your Oregon residency. the appropriate review agencies. You will pay the fingerprinting fee at the test site on the day of testing. Contact the Division of Financial Regulation at (503) 947- 7981 or [email protected] for a transfer The $61.25 fee is payable by money order, cashier’s check, application. company check, VISA or MasterCard. This payment includes the State processing fee of $46.25, and the PSI processing fee of $15.00. Please note: this process may take up to 4 weeks. Ink cards will not be accepted by the Division.

1 PRODUCER LICENSE CONSULTANT LICENSE

Generally, to qualify to receive an Oregon resident producer Generally, to qualify for an Oregon resident consultant license, you must: license, you must: ▪ Be at least 18 years old. ▪ Be a resident of, or maintain a place of business in, ▪ Be a resident of, or maintain a place of business in, Oregon. Oregon. ▪ Pass the consultant’s examination required for the ▪ Complete any necessary prelicensing education particular class of insurance. requirements. The examination is waived for Oregon Resident Agents in ▪ Pass the appropriate license exam(s), if required. that class of insurance. ▪ Have five years of experience in the insurance business All applicants for an initial resident license will need to or equivalent educational qualifications. submit the “Criminal Records Request” form, the Individual ▪ Submit a current certification of errors and omissions Insurance License application form, electronic fingerprints, coverage with limits of at least $500,000. and the correct fee to cover license, application, and background check fees. The following table shows the consultant license classes in Oregon and the series number of the required examination. Surplus lines producers must also be licensed for property and Class of Insurance Exam Series casualty and take a surplus lines exam. The following table Life 12-08 shows the producer license classes in Oregon and the series Health 12-09 number of the required exam. Life and Health 12-10 General Lines 12-11 Class of Insurance Exam Series Life 12-01 After you receive your license, you may begin working as a Health 12-02 consultant. If you are employed by or contracted with any Life and Health* 12-03 licensed consulting firm or corporation that employs that Property and Casualty** 12-04 firm, a Notice of Affiliation (Form 440-2139) must be filed Property 12-12 with the Division within 30 days. Casualty 12-13 Personal Lines 12-14 BUSINESS ENTITY LICENSE Surplus Lines 12-05 Credit None A Business Entity License is required of any firm or corporation transacting insurance through an office in Credit Life None Oregon. The business must be properly filed with the Surety None Secretary of State’s Corporation Division before applying for Title None the insurance license. Resident firms and corporations should Trip Travel None obtain the license for their principal Oregon location and *Those wishing to apply for both Life and Health licenses at the same provide the Division with the address and location of each time may wish to take this combined exam. **Property and Casualty is equivalent to Property, Casualty, Marine branch office. and Transportation, Surety. Business entities must submit a complete electronic In addition to holding a current license in the correct line of application at https://nipr.com/. insurance, producers who wish to sell insurance must also be After issuance of the license, a firm or corporation can employed with or under contract to an authorized insurer or transact insurance upon the date of contract with an licensed business entity. Producers who are not employed authorized insurer, and only through an affiliated individual. with or under contract to an insurer or business entity retain their licenses but may not transact insurance. The business entity must file a Notice of Affiliation (Form 440-2139) with the Division within 30 days. RESIDENT ADJUSTER LICENSE VARIABLE LIFE INSURANCE LICENSE Resident Adjuster license applicants must: ▪ Be a resident of, or maintain a place of business in, A Variable Life Insurance license is required before an agent Oregon. may sell, solicit or negotiate a variable contract. To earn this ▪ Pass the appropriate license exam as required by statute. license, you must pass either exam Series 6 or 7 given by the National Association of Securities Dealers (NASD). In addition, Class of Insurance Exam Series you must be registered with an Oregon securities dealer. Health 12-06 To obtain the Variable Life Insurance license, check the General Lines 12-07 appropriate box on your application form. Oregon will Crop 12-15 confirm that you are actively registered to an Oregon

securities dealer before approving the line of authority. After you receive your license, you may begin to adjust insurance claims. If you are employed by or contracted with a licensed adjusting firm or corporation, a Notice of Affiliation (Form 440-2139) must be filed with the Division within 30 days.

2 NONRESIDENT LICENSE REQUIREMENTS Business entities must obtain a nonresident business entity license before they may transact insurance in any manner in Nonresidents can be licensed to transact insurance in Oregon Oregon. They should obtain the license for their principal as producers, adjusters and consultants. Licenses are issued location in their home state and provide the Division with the to individuals, firms or corporations. If you are already a address of each branch office in the home state that will do licensed agent or broker in your home state, you are exempt business in Oregon. If the business has offices in other states from the prelicensing education and examination that will transact insurance in Oregon, those offices must requirements. You may only conduct your insurance business apply for separate licenses. Applications for a business entity as an appointed representative of an insurer in Oregon even license are submitted through https://nipr.com/. though licensed as a broker in your home state. Brokering is not permitted in Oregon.

Producers should submit the application for the individual or business entity license through https://nipr.com/.

EXAMINATION REGISTRATION AND SCHEDULING PROCEDURES

All questions and requests for information should be directed to PSI.

PSI licensure:certification 3210 E Tropicana Las Vegas, NV 89121 (855) 340-3901 https://home.psiexams.com/#/home

Examination fees may be found on the registration form found at the end of this Candidate Information Bulletin. REGISTRATION FEES ARE NOT REFUNDABLE OR TRANSFERABLE. REGISTRATION FEES EXPIRE AFTER ONE YEAR OF REGISTERING.

 All eligibilities are valid for 1 year from the date on the Certificate of Completion. If you do not pass the examination(s) within the 1 year period, you must retake the Prelicensing Education Courses.  You may take examinations on an unlimited basis during the 1 year period.  English as a Second Language (ESL) candidates must call PSI at (855) 340-3901 to schedule for their examination, if they wish to receive additional time. Please do not schedule online, as you will not receive the additional time.

ONLINE

For the fastest and most convenient examination scheduling process, register for your examinations online by accessing PSI’s registration Website: Click Here.

1. Select “SIGN UP” to create an account.

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3 2. On a mobile phone, you need to select the icon on the top left corner. Then select “SIGN UP” to create an account.

3. You will be prompted to create an account with PSI

IMPORTANT

Personal Details You must enter your First and Last name

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4. After you submit the form, you will get a message that your account was created successfully. Click on “Login to Continue”.

Account Registration x Note: The username is the email address you entered when creating the account.

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4 5. You are now ready to schedule.

6. Select the Organization and the Test.

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OR Casualty Insurance Producer OR Crop Adjuster

OR General Li n es Insurance Adjuster

OR General Li nes Insur,rnce Consultant OR Health Insurance Adjuster

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7. You will enter your personal information.

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SEARCH EXAM PAYMENT SCHEDULE EXAM

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5 8. You will enter payment.

Credit card Payment Summary • Please provide credit card holder name. street details ,n [ngli$h. Please enter a valid Visa. MasterCard. American Express, Discover or JCB ca1d number. Dme, 's Club card 1s currently not accPpled. Total Amount Due USO

Credit Card Number •

IC ,., ht rd Number

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Billing Street Address •

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D I acknowledge that I have read and understood all Information and agreements attached, and agree to abide by and be bound by these Terms & Conditions

9. You will now select if you want to test at a PSI test site or Remotely proctored online from a computer at a remote location.

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DELIVERY MODE TEST CENTER

1. Enter the “City or Postal Code” and select “Preferred Month” to take the Exam. Then select “Search Exam Center”.

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2. Click on the preferred test site.

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3. Then click on the date and time to make an appointment to take the Exam.

1. SEATTLE (BELLEVUE) 122 Fadom1 Slvd. S. Suite 303 N rt Place Bellevue W U 8.6 m les 18 September 2019 98006

Available Start I ime(s) for 01 October ]OJ 9

You are now scheduled and will receive an email confirmation.

DELIVERY MODE REMOTE ONLINE PROCTORED EXAM

1. Select Country and Time zone.

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7 Select the date and time you will be taking the exam. DO NOT HIT CONTINUE. YOU MUST FIRST CHECK THE COMPATIBILTY OF YOUR COMPUTER to include Audio/Video Check, Webcam Check and System Check. You must use Google Chrome Browser. Please note that if your computer performs any system update (i.e. software, server, firewall, webcam, etc.) from the time you schedule your exam to when you attempt to launch your exam, you may experience issues with your compatibility. It is best to conduct another compatibility check on the machine that you will be taking your exam at least 24 hours prior to your scheduled exam. You may also check your compatibility before or after registering for your exam by clicking here.

le Start Time(s) for Sep, 20 2019

A 02:30 PM 03:00 PM 03:30 PM 2 3 4 5 6 Efi+Hii I 11 11

8 ::l • 1 12 04:00 PM 04:30 PM 05:00 PM 05:30 PM "' 11 11 11 .. 16 11 06:00 PM 06:30 PM 07:00 PM 07:30 PM 11 11 11 23 24 2f, 26 ,< 28 08:30 PM 09:00 PM 09:30 PM IV - 11 11 11 -29 30 Available Dates • Selected Date Before taking a remote online proctored exam, ch eck system compat ibility - click HERE

If you have any questions regarding your compatibility check, or if you experience issues launching your exam, you may contact our remote proctoring technical support team at (844) 267-1017. You may also initiate a chat after you close the Secure Browser Software by clicking here. You are now scheduled and will receive an email confirmation.

TELEPHONE SCHEDULING MISSED APPOINTMENT OR LATE CANCELLATION Call (855) 340-3901, PSI registrars are available to receive payment and to schedule your appointment for the Your registration will be invalid, you will not be able to take examination. Please call Monday through Friday between 4:30 the examination as scheduled, and you will forfeit your am and 7:00 pm, and Saturday-Sunday between 8:00 am and examination fee, if you: 2:30 pm, Pacific Time. ▪ Do not cancel your appointment 2 days before the RESCHEDULING/CANCELING AN EXAMINATION schedule examination date; APPOINTMENT ▪ Do not appear for your examination appointment; ▪ Arrive after examination start time;

▪ Do not present proper identification when you arrive for You may cancel and reschedule an examination appointment the examination. without forfeiting your fee if your cancellation notice is received 2 days before the scheduled examination date. For example, for a Monday appointment, the cancellation notice EXAM ACCOMMODATIONS would need to be received on the previous Saturday. You may reschedule online at https://home.psiexams.com/#/home All examination centers are equipped to provide access in or call PSI at (855) 340-3901. accordance with the Americans with Disabilities Act (ADA) of 1990, and exam accommodations will be made in meeting a Note: A voice mail message is not an acceptable form of candidate’s needs. Applicants with disabilities or those who cancellation. Please use the PSI Website or call PSI and would otherwise have difficulty taking the examination must speak directly to a Customer Service Representative. fill out the form at the end of this Candidate Information Bulletin and fax to PSI (702) 932-2666. This form also RETAKING A FAILED EXAMINATION includes out-of-state testing requests.

It is not possible to make a new examination appointment on EXAMINATION SITE CLOSING FOR AN EMERGENCY the same day you have taken an examination; this is due to processing and reporting scores. A candidate who tests In the event that severe weather or another emergency unsuccessfully on a Wednesday can call the next day, forces the closure of an examination site on a scheduled Thursday, and retest as soon as Friday, depending upon space examination date, your examination will be rescheduled. PSI availability. You may schedule online at personnel will attempt to contact you in this situation. https://home.psiexams.com/#/home or call PSI at (855) 340- However, you may check the status of your examination 3901. schedule by calling (855) 340-3901. Every effort will be made

8 to reschedule your examination at a convenient time as soon Rd. as possible. You may also check our website at Medford https://home.psiexams.com/#/home. 1236 A North Riverside Ave Medford, OR 97501 From I-5 going North, take the Barnett Street off ramp and turn left. SOCIAL SECURITY NUMBER CONFIDENTIALITY Turn right on Riverside Ave, and go approximately 3 miles. The site will be on the right-hand side. PSI will use your social security number only as an From I-5 going South, take the North exit (#30) and turn right and identification number in maintaining your records and follow signs to “City Center”. Pass McAndrews, and turn left on reporting your examination scores to the state. A Federal Manzinita. This dead ends at Riverside. Turn left on Riverside, go law requires state agencies to collect and record the social one block and site will be on the right-hand side. security numbers of all licensees of the professions licensed by the state. Portland 205 Business Center, Suite 258 8383 NE Sandy Blvd EXAMINATION SITE LOCATIONS Portland, OR 97220 Coming North on I-205: Take the Killingsworth exit. Stay to the left and travel through the first light. PSI is on the right-hand side in the The following are the examination centers where you may business building across from the Grotto. If you get to NE 82nd Ave., take the Oregon Insurance Licensing Examination(s). you have gone too far. We are on the 2nd floor which seems to be the 1st floor when entering the building from Sandy Blvd and are the first door on the right. There is signage on the door to our office. Baker City 2101 Main Street, #203 Coming South on I-205: Take the Sandy Blvd exit. Stay in the right- hand lane and turn right at signal. Come up to the next signal (Sandy Baker City, OR 97814 Blvd) and turn right again. PSI is on the right-hand side in the From I-84 take Exit 304 onto Campbell Street. On Campbell Street go business building across from the Grotto. If you get to NE 82nd Ave., 1 mile to Main Street, turn left. Test site is a 1/4 of a mile on right you have gone too far. We are on the 2nd floor which seems to be side, in a brick building before Broadway in the Basch Sage Mini the 1st floor when entering the building from Sandy Blvd and are the Mall. Enter from Broadway, go upstairs take a left to the end of hall first door on the right. There is signage on the door to our office. to Room 203. Parking available between Broadway and Church Street, behind the 'Basche Sage' testing center building Coming East on Sandy Blvd: Just past NE 82nd Ave. across from the Grotto is the business building that PSI is in. We are on the 2nd floor Bend which seems to be the 1st floor when entering the building from Sandy Blvd and are the first door on the right. There is signage on 325 NW Vermont Pl, #106 the door to our office. Bend, OR 97701 From US-97 going North, take the Revere Ave exit and take a left at Coming West on Sandy Blvd: Just past Prescot St. and across from the traffic signal. Go one block West to Wall Street and turn left at the Grotto is the business building that PSI is in. We are on the 2nd the traffic light. Continue South on Wall Street for approximately floor which seems to be the 1st floor when entering the building 1/2 mile and turn right onto NW Vermont Pl. The PSI Test Center from Sandy Blvd and are the first door on the right. There is signage is the first building on the left. on the door to our office. From US-97 going South, take the Revere Ave exit and go straight at Coming South on 82nd Ave: Turn right on Sandy Blvd. PSI is in the the traffic light. Continue heading South on Wall Street for business building across from the Grotto. We are on the 2nd floor approximately 1/2 mile and turn right onto NW Vermont Pl. The PSI which seems to be the 1st floor when entering the building from Test Center is the first building on the left. Sandy Blvd and are the first door on the right. There is signage on the door to our office. Eugene Coming North on 82nd Ave: Turn left on Sandy Blvd. PSI is in the 1955 Empire Park Drive, Suite A business building across from the Groto. We are on the 2nd floor Eugene, OR 97402 which seems to be the 1st floor when entering the building from Sandy Blvd and are the first door on the right. There is signage on From I-5 take Beltline Hwy West to exit #5 Barger Drive. Turn Left the door to our office at the end of exit ramp. Go .7 miles and turn right onto Empire Park Drive. (JUST before Hwy 99). The first building on the corner is Subway. Second building is PSI exams Suite A. Edward Jones Wilsonville Investments is the other tenant of the building in Suite B. 25195 SW Parkway Avenue From Hwy 126 which is also West 11th take Beltline Hwy to exit #5 Suite 105 Barger Drive. Turn right at the end of exit ramp. Go .7 miles and Wilsonville, OR 97070 turn Right onto Empire Park Drive. (JUST before HWY 99) The first Going South: Off I5, take exit 286 (Ellingens/Boones Ferry Rd). Turn building on the corner is Subway. Second building is PSI exams Suite left and cross back over the freeway. Turn left at 2nd signal light A. Edward Jones Investments is the other tenant of the building in (Parkway Ave.) Turn into Parkway Plaza parking lot (across the Suite B. street from Shriner's). We are located in the Main Entrance first door on the right Please do not park at or near Subway, but instead park on the left hand side of the building. Going North: Off I5, take exit 286 (Ellingens/Boones Ferry Rd). Turn Right. Turn Left at next signal light (Parkway Ave.) Turn into Independence Parkway Plaza parking lot (across the street from Shriner's). We are 4901 Airport Rd located in the Main Entrance first door on the right

Independence State Airport Additionally, PSI has examination centers in many other Independence, OR 97351 Take I-5 to exit 260A for OR-99E BUS S/Salem Expy and follow, then regions across the United States. You may take this taking a slight left onto Commercial St NE. Turn right on Marion St examination at any of these locations by calling (855) 340- NE continuing onto OR-22W/Marion St. Bridge. Follow OR-22W for 5 3901. You will need to speak with a Customer Service Rep miles, then turn left onto OR-51S/Independence Hwy. Turn right to schedule outside of Oregon. onto Polk St and continue onto Hoffman Rd. Turn right onto Airport

9 REPORTING TO THE EXAMINATION SITE SECURITY PROCEDURES

The following security procedures will apply during the On the day of the examination, you should arrive 30 minutes examination: before your appointment. This extra time is for sign-in, identification, and familiarizing you with the examination ▪ Only non-programmable calculators that are silent, process. If you arrive late, you may not be admitted to the battery-operated, do not have paper tape printing examination site and you will forfeit your examination capabilities, and do not have a keyboard containing the registration fee. alphabet will be allowed in the examination site.

▪ All personal belongings of candidates, with the exception REQUIRED IDENTIFICATION AT EXAMINATION SITE of close-fitting jackets or sweatshirts, should be placed in the secure storage provided at each site prior to  You must provide 2 forms of identification. One must entering the examination room. Personal belongings be a VALID form of government-issued identification include, but are not limited to, the following items: (driver’s license, state ID, passport, military ID) which - Electronic devices of any type, including cellular / bears your signature and has your photograph. Also mobile phones, recording devices, electronic acceptable is an interim state driver’s license card or an watches, cameras, pagers, laptop computers, tablet interim state ID card. The second ID must have your computers (e.g., iPads), music players (e.g., iPods), signature and preprinted legal name. All identification smart watches, radios, or electronic games. provided must match the name on the registration form. - Bulky or loose clothing or coats that could be used to conceal recording devices or notes, including PRIMARY IDENTIFICATION (with photo) – Choose One coats, shawls, heavy jackets, or overcoats. ▪ State issued driver’s license - Hats or headgear not worn for religious reasons or ▪ State issued identification card as religious apparel, including hats, baseball caps, or ▪ US Government Issued Passport visors. ▪ US Government Issued Military Identification Card - Other personal items, including purses, notebooks, ▪ US Government Issued Alien Registration Card reference or reading material, briefcases, ▪ Canadian Government Issued ID backpacks, wallets, pens, pencils, other writing NOTE: ID must contain candidate’s photo, be valid and devices, food, drinks, and good luck items. unexpired. ▪ Person(s) accompanying an examination candidate may not wait in the examination center, inside the building or SECONDARY IDENTIFICATION – Choose One on the building's property. This applies to guests of any ▪ Credit Card (must be signed) nature, including drivers, children, friends, family, ▪ Social Security Card colleagues or instructors. ▪ US issued Birth Certificate with Raised Seal ▪ No smoking, eating, or drinking is allowed in the *NOTE: Student ID and employment ID are NOT examination center. acceptable forms of identification. ▪ During the check in process, all candidates will be asked if they possess any prohibited items. Candidates may also  You must provide your valid school Certificate of be asked to empty their pockets and turn them out for Completion. This certificate must display a valid the proctor to ensure they are empty. The proctor may school code. also ask candidates to lift up the ends of their sleeves (If you have a waiver from the state, please provide the and the bottoms of their pant legs to ensure that notes original waiver letter at the test center on the day of or recording devices are not being hidden there. testing.) THE CERTIFICATE OF COMPLETION EXPIRES ▪ Proctors will also carefully inspect eyeglass frames, tie ONE YEAR TO THE DAY FROM THE DATE IT IS ISSUED. tacks, or any other apparel that could be used to harbor AN ELECTRONIC VERSION OR HARD COPY WILL BE a recording device. Proctors will ask to inspect any such ACCEPTED. items in candidates’ pockets. ▪ If prohibited items are found during check-in, candidates Crop Insurance Adjuster, General Lines Insurance shall put them in the provided secure storage or return Adjuster, Health Insurance Adjuster, and Surplus Lines these items to their vehicle. PSI will not be responsible Insurance Producer are the ONLY examinations that do for the security of any personal belongings or prohibited not require verification. items. ▪ Any candidate possessing prohibited items in the  This Certificate of Completion must also be presented for examination room shall immediately have his or her test a retake examination. results invalidated, and PSI shall notify the examination sponsor of the occurrence. If you cannot provide the required identification, you must ▪ Any candidate seen giving or receiving assistance on an call (855) 340-3901 at least 3 weeks prior to your scheduled examination, found with unauthorized materials, or who appointment to arrange a way to meet this security violates any security regulations will be asked to requirement. surrender all examination materials and to leave the examination center. All such instances will be reported to the examination sponsor. ▪ Copying or communicating examination content is violation of a candidate’s contract with PSI, and federal and state law. Either may result in the disqualification of examination results and may lead to legal action.

10 ▪ Once candidates have been seated and the examination TEST QUESTION SCREEN begins, they may leave the examination room only to use the restroom, and only after obtaining permission from The “Function Bar” at the top of the sample question the proctor. Candidate will not receive extra time to provides mouse-click access to the features available while complete the examination taking the examination.

TAKING THE EXAMINATION BY One question appears on the screen at a time. During the COMPUTER examination, minutes remaining will be displayed at the top of the screen and updated as you record your answers.

The examination will be administered via computer. You will IMPORTANT: After you have entered your responses, you will be using a mouse and computer keyboard. 1iiJ Mark ! Commenls Ui Goto ? Help ~ End Oucst1on: J or 40 Answered: l Unanswered~, Marked o vic,1 All Tu ne Letl(Mmr. 35c:i

IDENTIFICATION SCREEN l What do tt,e stars on the United States of America's flag represent?

You will be directed to a semiprivate testing station to take (ChooHfromlhefoltOWlngopgons) the examination. When you are seated at the testing station, D 1. Presidents you will be prompted to confirm your name, identification D 2. Colonies number, and the examination for which you are registered. D 3. States

0 . Wars TUTORIAL « Back lte)d » Before you start your examination, an introductory tutorial is 1------later be able to return to any question(s) and change your provided on the computer screen. The time you spend on response, provided the examination time has not run out. this tutorial, up to 15 minutes, DOES NOT count as part of your examination time. Sample questions are included following the tutorial so that you may practice answering questions and reviewing your answers.

REMOTE ONLINE PROCTORED EXAMINATION

Proctors for online testing will communicate with candidates on-screen during the test and pause the exam whenever unauthorized persons or activity appear on video monitors or in audio recordings. The proctor will pause the exam whenever a candidate leaves the testing station, or an interruption occurs. The proctor may end the test if an interruption is not corrected appropriately. Candidates are not allowed to have scratch paper or take breaks during remotely proctored exams. Immediate on-screen results will be displayed on your screen once you complete BOTH your exam AND the survey following the exam. Paper score reports will not be available upon completion of the exam for this remotely proctored location. A military ID will not be accepted for a remotely proctored exam, however, all other Identification noted above are acceptable for this delivery mode.

BE SURE TO CHECK THE COMPATIBILTY OF YOUR COMPUTER to include Audio/Video Check, Webcam Check and System Check. Prior to scheduling, click here. You must use Google Chrome Browser.

Please note that if your computer performs any system update (i.e. software, server, firewall, webcam, etc.) from the time you schedule your exam to when you attempt to launch your exam, you may experience issues with your compatibility. It is best to conduct another compatibility check on the machine that you will be taking your exam at least 24 hours prior to your scheduled exam. You may also check your compatibility before or after registering for your exam by clicking here.

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LAUNCHING THE EXAMINATION

You can launch the examination up to 30 minutes before the scheduled start time.

If you have any questions regarding your compatibility check, or if you experience issues launching your exam, you may contact our remote proctoring technical support at (844) 267-1017. You may also initiate a chat after you close the Secure Browser Software by clicking here.

EXPERIMENTAL ITEMS examination type.

In addition to the number of questions per examination, a Candidates taking a remotely proctored exam: Please note small number of five to ten “experimental” questions may be that you must select to end both the exam portion and survey administered to candidates during the examinations. These portion of your test in order to receive your on-screen results questions will not be scored. The administration of such non- and emailed score report. If you do not receive your emailed scored experimental questions is an essential step in score report, you may reach out to developing future licensing examinations. [email protected].

You may request a duplicate score report after your EXAMINATION REVIEW examination by emailing [email protected]. Include your name, candidate ID number and confirmation number. PSI, in cooperation with the Division of Financial Regulation, Your candidate ID number and confirmation number is on will be consistently evaluating the examinations being your exam confirmation email. Please allow up to 72 hours to administered to ensure that the examinations accurately receive your duplicate score report. measure competency in the required knowledge areas. Comments may be entered by clicking the Comments link on the function bar of the test question screen. Now you can take the practice exam online at https://home.psiexams.com/#/home to prepare for your Oregon Insurance Examination These comments will be analyzed by PSI examination development staff. PSI does not respond to individuals Please note that practice exams are intended only to help testing regarding these comments, all substantive comments are candidates become familiar with the general types of questions that reviewed. This is the only review of examination materials will appear on a licensing examination. They ARE NOT a substitute available to candidates. for proper education and study. Furthermore, scoring well on the practice exam does not guarantee a positive outcome on an actual licensing examination. SCORE REPORT Note: You may take the practice exams an unlimited number of times; you will need to pay each time. You must get 70% correct to pass the examination. Your score will be displayed on screen at the end of the examination and a score report will be emailed to you. If you fail, the emailed score report will include the diagnostic report indicating your strengths and weaknesses by

12

TIPS FOR PREPARING FOR YOUR EXAM

The following suggestions will help you prepare for your examination. ▪ Planned preparation increases your likelihood of passing.

▪ Start with a current copy of this Candidate Information Bulletin and use the examination content outline as the basis of your study. ▪ Read study materials that cover all the topics in the content outline. ▪ Take notes on what you study. Putting information in writing helps you commit it to memory and it is also an

excellent business practice. Underline or highlight key

ideas that will help with a later review. ▪ Discuss new terms or concepts as frequently as you can with colleagues. This will test your understanding and reinforce ideas. ▪ Your studies will be most effective if you study frequently, for periods of about 55 to 60 minutes. Concentration tends to wander when you study for longer

periods of time.

EXAMINATION CONTENT OUTLINES

The following outlines describe the content of each of the Oregon Insurance Examinations. These outlines are the basis of the examination. Each examination will contain questions about the subjects in its outline.

The percentages indicate the relative weight assigned to each part of the examination. For example, if a section has 10 percent assigned, 6 questions will be drawn from it on a 60- question examination, 10 on a 100-question examination, and

15 on a 150-question examination.

Sections 1.0 and 2.0 (Insurance Regulation and General Insurance) are common to many of the examinations. Details of these sections appear only once, immediately below.

Note, however, that the section weights differ by examination. Similarly, combination examinations contain all of the content of the single-line examinations they combine and you are referred to the single-line outlines for details. Refer to the outline of the examination you plan to take for the individual section weights.

13 Fees (ORS 744.076, .077; OAR Producers and general rules of agency LAWS AND REGULATIONS EXAMINATION 836-071-0260 to 0277) Insurer as principal SERIES 12-00 Unfair trade practices Misrepresentation (ORS 746.075, Producer/insurer relationship 50 questions – 1 hour time limit .100) Authority and powers of producer False advertising (ORS 746.110; OAR 836-080-0155) Express Insurance Regulation 60% (30 items) Rebating (ORS 746.045) Implied Licensing Unfair discrimination (ORS Apparent Purpose 746.015; OAR 836-081-0005, 0010, 0020, 0030) Responsibilities to the Process (ORS 744.058, .059, .062) Illegal inducement (ORS applicant/insured Types of licensees 746.035) Contracts Producers (ORS 744.052, .053, Examination of records (ORS Elements of a legal contract 731.104) 744.068(2, 3)) Consultants (ORS 744.605, .609, Privacy of Consumer Information Offer and acceptance .626; OAR 836-071-0150) (ORS 746.600, .620, .630, .665; OAR 836-080-0501 to 836-080- Consideration Adjusters (ORS 744.531) 0551) Competent parties Nonresidents (ORS 744.063) Federal regulation Legal purpose Fair Credit Reporting Act (15 USC Temporary (ORS 744.073) Distinct characteristics of an 1681 to 1681d) insurance contract Maintenance and duration Fraud and false statements Renewal and nonrenewal (ORS including 1033 waiver (18 USC Contract of adhesion 744.072, .074; OAR 836-071- 1033, 1034) 0146) Aleatory contract General Insurance 40% (20 items) Continuing education Personal contract requirements (ORS 744.072(4); Concepts OAR 836-071-0215 to 0250) Unilateral contract Risk management key terms Reinstatement (ORS 744.018, Conditional contract .072(6)) Risk Legal interpretations affecting Assumed business name (ORS contracts Exposure 744.028(2),.068) Ambiguities in a contract of Change of address or telephone Hazard adhesion number (ORS 744.028(1), .068) Reporting of actions (ORS Peril Reasonable expectations 744.089) Loss Indemnity Disciplinary actions Methods of handling risk Utmost good faith Cease and desist orders (ORS 731.252) Avoidance Representations/misrepresentations License probation, suspension, Retention Warranties revocation or refusal to issue or renew (ORS 744.074) Sharing Concealment Civil penalty (ORS 731.988) Reduction Fraud Criminal penalty (ORS 731.992) Transfer Waiver and estoppel

State regulation Elements of insurable risks

Director's enforcement authority (ORS 731.256) Adverse selection PRODUCERS EXAMINATION FOR LIFE INSURANCE Director's inquiries (ORS Law of large numbers 731.296) SERIES 12-01 Reinsurance Company regulation 100 questions – 2 hour time limit Producer appointment (ORS Insurers

744.078) Types of insurers Termination of appointment Insurance Regulation 8% (8 items) (ORS 744.079, .081) Stock companies Licensing Unfair claim settlement Mutual companies practices (ORS 746.230; OAR Purpose 836-080-0205 to 0250) Fraternal benefit societies Process (ORS 744.058, .059, .062) Producer regulation Reciprocals Fiduciary and trust account Types of licensees Lloyd's associations responsibilities (ORS 744.083; Producers (ORS 744.052, .053, OAR 836-074-0020 to 0050) Risk retention groups 731.104) Place of business/records Consultants (ORS 744.605, .609, Private versus government insurers .626; OAR Admitted versus nonadmitted maintenance (ORS 744.068) 836-071-0150) insurers Controlled business (ORS Adjusters (ORS 744.531) 746.065, .160) Domestic, foreign and alien insurers Commissions (ORS 744.076, Financial status (independent rating Nonresidents (ORS 744.063) .077) services) Temporary (ORS 744.073) Marketing (distribution) systems Maintenance and duration

14 Renewal and nonrenewal (ORS Distinct characteristics of an insurance Federal regulation 744.072, contract Fair Credit Reporting Act (15 USC 1681 .074) OAR 836-071-0146) to 1681d) Contract of adhesion Continuing education requirements Fraud and false statements including (ORS 744.072(4); OAR 836-071-0215 Aleatory contract 1033 waiver (18 USC 1033, 1034) to 0250) Personal contract Reinstatement (ORS 744.018, General Insurance 7% (7 items) .072(6)) Unilateral contract Assumed business name (ORS Concepts Conditional contract 744.028(2),.068) Risk management key terms Change of address or telephone Legal interpretations affecting contracts number (ORS Risk Ambiguities in a contract of adhesion 744.028(1), .068) Exposure Reasonable expectations Reporting of actions (ORS 744.089) Hazard Suitability (OAR 836-080-0090; OAR Indemnity 836-080- Peril Utmost good faith 0170 to 0190) Loss Replacement (OAR 836-080-0001 to Representations/misrepresentations 0043) Methods of handling risk Warranties Disciplinary actions Avoidance Cease and desist orders (ORS Retention Concealment 731.252) License probation, suspension, Sharing Fraud revocation or Reduction Waiver and estoppel refusal to issue or renew (ORS 744.074) Transfer Life Insurance Basics 20% (20 items) Insurable interest (ORS 743.040, .038, Civil penalty (ORS 731.988) Elements of insurable risks .044) Criminal penalty (ORS 731.992) Adverse selection Personal uses of life insurance State regulation Law of large numbers Survivor protection Director's enforcement authority (ORS 731.256) Reinsurance Estate creation Director's inquiries (ORS 731.296) Insurers Cash accumulation Company regulation Types of insurers Liquidity Producer appointment (ORS 744.078) Stock companies Estate conservation Termination of appointment (ORS Mutual companies Life settlements (ORS 744.318., .321, 744.079, .323, .326,.328; OAR 836-014-0200– .081) Fraternal benefit societies 0330) Unfair claim settlement practices Reciprocals Determining amount of personal life (ORS 746.230; OAR 836-080-0205 to insurance 0250) Lloyd's associations Human life value approach Producer regulation Risk retention groups Needs approach Fiduciary and trust account Private versus government insurers responsibilities Types of information gathered (ORS 744.083; OAR 836-074-0020 to Admitted versus nonadmitted insurers 0050) Determining lump-sum needs Domestic, foreign and alien insurers Place of business/records Financial status (independent rating Planning for income needs maintenance (ORS services) 744.068) Business uses of life insurance Controlled business (ORS 746.065, Marketing (distribution) systems Buy-sell funding .160) Commissions (ORS 744.076, .077; Producers and general rules of agency Key person (ORS 743.228) OAR 836-071-0269–0277) Insurer as principal Executive bonuses Fees (ORS 744.076, .077; OAR 836- 071-0260 to 0277) Producer/insurer relationship Deferred compensation funding Authority and powers of producer Types of life insurance policies (ORS Unfair trade practices 731.102, .170) Misrepresentation (ORS 746.075, Express Group and individual (ORS 731.150, .100) 743.303,) Implied False advertising (ORS 746.110; OAR Permanent, term, variable and annuities 836-080-0155) Apparent (ORS 731.156, 743.245) Fixed versus variable life insurance and Rebating (ORS 746.045) Responsibilities to the applicant/insured Unfair discrimination (ORS 746.015; annuities including regulation of variable OAR 836-081-0005, 0010, 0020, 0030) Contracts products (SEC, FINRA, and Oregon) (ORS 733.220) Illegal inducement (ORS 746.035) Elements of a legal contract Examination of records (ORS 744.068(2, Licensee responsibilities Offer and acceptance 3)) Solicitation and sales presentations (OAR Privacy of Consumer Information (ORS Consideration 836-051-0005–0020) 746.600, .620, .630, .665; OAR 836- Competent parties Advertising (ORS 746.075, .110, .115) 080-0501 to 836-080-0551) Oregon Life and Health Insurance Legal purpose Guaranty Association (ORS 734.750–

15 .890) Group life insurance Single life Association (ORS 734.750–.890) Characteristics of group plans Joint and survivor Nonforfeiture options (ORS 743.204 to Illustrations (OAR 836-051-0500–0600) Group underwriting requirements .210) Conversion to individual policy(ORS Policy summary 743.333–.339) Cash surrender value Buyer's guide Incontestability (ORS 743.315) Extended term Life insurance policy cost comparison methods Evidence of Insurability (ORS 743.321) Reduced paid-up insurance Replacement (ORS 746.085; OAR 836-080- Misstatement of Age (ORS 743.324) Policy loan and withdrawal options 0001–to 0043) Use and disclosure of insurance Payments under the policy (ORS 743.327) Cash loans information (ORS 746.600 to .605, .610, Termination of individual coverage (ORS Automatic premium loans .615 to .630, .635 to .660; OAR 836- 743.333) 080-0430) Withdrawals or partial surrenders Continuing coverage (ORS 743.356) Field underwriting Uses of dividends (ORS 743.183) Prohibited sales practices (ORS 743.348) Notice of information practices Policies issued to trustees of certain Interest rate (ORS 743.187) funds (ORS 743.354) Application procedures Credit life insurance (individual versus Dividend options Delivery group) Cash payment Life Insurance Policy Provisions, Options Policy review Reduction of premium payments and Riders 12% (12 items) Effective date of coverage Accumulation at interest Standard provisions Premium collection One-year term option Ownership Statement of good health Paid-up additions Assignment (ORS 743.043) Individual underwriting by the insurer Disability riders Entire contract (ORS 743.174) Information sources and regulation Waiver of premium Modifications Application (ORS 743.039, .318) Waiver of cost of insurance Medical examinations and lab tests Right to examine (free look) Disability income benefit (including Payment of premiums (ORS 743.162) HIV consent) (OAR 836-050-0250) Payor benefit life/disability (juvenile Selection criteria and unfair Grace period (ORS 743.165) insurance) Accelerated (living) benefit discrimination (OAR 836-081-0005, 0010) Reinstatement (ORS 743.171) Sexual orientation prohibited (OAR 836- provision/rider (ORS 743.154; OAR 836- 050-0240) Incontestability (ORS 743.168, .315) 051-0300–0380, 836-052–0646) Misstatement of age and gender (ORS Medical and lifestyle questions (OAR 836- Qualifying events 050-0245) 743.180) Disclosure Prohibited discrimination (ORS 746.015) Exclusions Effect of benefit payment Evidence of insurability (ORS 743.321) Suicide exclusion Riders covering additional insureds Incontestability (ORS 743.315) Medical examination; autopsy Suitability in the sale of life insurance Prohibited provisions including backdating Spouse/other-insured term rider (ORS 743.225) (OAR 836-080-0090) Children's term rider Beneficiaries Life Insurance Policies 17% (17 items) Family term rider Designation options Term life insurance Riders affecting the death benefit amount Individuals Level term Accidental death Classes Annual renewable term Guaranteed insurability Estates Level premium term Cost of living Minors Decreasing term Return of premium Trusts Whole life insurance Annuities 20% (20 items) Succession Continuous premium (straight life) Annuity principles and concepts Limited payment Revocable versus irrevocable Accumulation period versus annuity period Single premium Common disaster clause Owner, annuitant and beneficiary Flexible premium policies Spendthrift clause Insurance aspects of annuities Settlement options Adjustable life Suitability in the sale of annuities (OAR Universal life Cash payment 836-080-0090) Specialized policies Interest only Immediate versus deferred annuities Single premium immediate annuities Joint life (first-to-die) Fixed-period installments (SPIAs) Juvenile life Fixed-amount installments Deferred annuities Survivorship Life Life income Premium payment options

16 Nonforfeiture Contributions and deductible amounts Disciplinary actions Premature distributions (including Cease and desist orders (ORS Surrender charges taxation issues) 731.252) Death benefits License probation, suspension, Annuity phase benefit payments revocation or refusal to issue or Annuity (benefit) payment options Amounts received by beneficiary renew (ORS 744.074) Life contingency options Roth IRAs Civil penalty (ORS 731.988) Pure life versus life with guaranteed minimum Contributions and limits Criminal penalty (ORS 731.992) Single life versus multiple life Distributions State regulation Rollovers and transfers (IRAs and qualified Director's enforcement authority (ORS Annuities certain (types) plans) and suitability 731.256) Annuity products Section 1035 exchanges and suitability Director's inquiries (ORS 731.296) Fixed annuities Qualified Plans 7% (7 items) Company regulation General account assets Producer appointment (ORS General requirements Interest rate guarantees (minimum 744.078) versus current) Federal tax considerations Termination of appointment (ORS Tax advantages for employers and 744.079,.081) Level benefit payment amount employees Unfair claim settlement practices Equity indexed annuities (ORS 746.230; OAR 836-080-0205 to Taxation of distributions (age-related) 0250) Market value adjusted annuities Plan types, characteristics and purchasers Producer regulation Uses of annuities Simplified employee pensions (SEPs) Fiduciary and trust account Lump-sum settlements Self-employed plans (HR 10 or Keogh responsibilities (ORS 744.083; OAR Qualified retirement plans including plans) 836-074-0020 to 0050) group versus individual annuities Place of business/records Profit-sharing and 401(k) plans maintenance(ORS 744.068) Personal uses SIMPLE plans Controlled business (ORS 746.065, .160) Individual retirement annuities (IRAs) 403(b) tax-sheltered annuities (TSAs) Commissions (ORS 744.076, Tax-deferred growth .077;OAR 836-071-0269–0277) Fees (ORS 744.076, .077; OAR 836- Retirement income PRODUCERS EXAMINATION FOR HEALTH 071-0260 to 0277) INSURANCE Education funds Unfair trade practices SERIES 12-02 Living benefit riders Misrepresentation (ORS 746.075, Federal Tax Considerations for Life .100) Insurance and Annuities 9% (9 items) 100 questions – 2 hour time limit False advertising (ORS 746.110; OAR 836-080-0155) Taxation of personal life insurance Insurance Regulation 10% (10 items) Rebating (ORS 746.045) Amounts available to policyowner Unfair discrimination (ORS 746.015; Licensing Cash value increases OAR 836-081-0005, 0010, 0020, Purpose 0030) Dividends Process (ORS 744.058, .059, .062) Illegal inducement (ORS 746.035) Policy loans Examination of records (ORS Types of licensees Surrenders 744.068(2, 3)) Producers (ORS 744.052, .053, Privacy of Consumer Information (ORS Amounts received by beneficiary 731.104) 746.600, .620, .630, .665; OAR 836- Consultants (ORS 744.605, .609, 080-0501 to 836-080-0551) General rule and exceptions .626; OAR 836-071-0150) Federal regulation Settlement options Adjusters (ORS 744.531) Fair Credit Reporting Act (15 USC 1681 Values included in insured's estate Nonresidents (ORS 744.063) to 1681d) Fraud and false statements including Modified endowment contracts (MECs) Temporary (ORS 744.073) 1033 waiver (18 USC 1033, 1034) Modified endowment versus life insurance Maintenance and duration General Insurance 10% (10 items) Seven-pay test Renewal and nonrenewal (ORS 744.072, .074) OAR 836-071-0146) Concepts Distributions Continuing education requirements Risk management key terms Taxation of non-qualified annuities (ORS 744.072(4); OAR 836-071-0215 to 0250) Risk Individually-owned Reinstatement (ORS 744.018, Exposure Accumulation phase (tax issues related .072(6)) to withdrawals) Assumed business name (ORS Hazard 744.028(2),.068) Annuity phase and the exclusion ratio Peril Change of address or telephone Distributions at death number (ORS 744.028(1), .068) Loss Corporate-owned Reporting of actions (ORS 744.089) Methods of handling risk Taxation of individual retirement Suitability (OAR 836-080-0090; OAR Avoidance annuities(IRAs) 836-080-0170 to 0190) Replacement (OAR 836-080-0001 to Retention Traditional IRAs 0043)

17 Sharing Fraud Reinstatement (ORS 743.420) Reduction Waiver and estoppel Uniform optional provisions Transfer Health Insurance 6% (6 items) Change of occupation (ORS 743.450) Elements of insurable risks Types of products and benefits Misstatement of age (ORS 743.453, .489) Adverse selection Medical and surgical (ORS 743B.005) Other general provisions Right to examine (free look) (ORS Law of large numbers Dental (ORS 731.162, 743B.005) 743.492) Long-term care (ORS 743B.005, 743.650, Reinsurance OAR 836-052-0516) Consideration clause Insurers Renewability clause (ORS 743.495, .498, Short-term care (ORS 743.652(5)) 743B.125(5)) Types of insurers Medicare supplements (ORS 743.680, OAR 836-052-0103) Noncancelable Stock companies Accident (ORS 743B.005) Guaranteed renewable Mutual companies Disability Conditionally renewable Fraternal benefit societies Student health (ORS 743.550) Renewable at option of insurer Reciprocals Blanket (ORS 743.536) Nonrenewable (cancelable, term) Lloyd's associations Vision Cancellation (ORS 743.472, 743B.125(6)) Risk retention groups Disability Income and Related Insurance Types of health insurance policies Private versus government insurers 6% (6 items) Individual versus group Admitted versus nonadmitted insurers Qualifying for disability benefits Private versus government Domestic, foreign and alien insurers Inability to perform duties TRICARE (ORS 743B.005) Financial status (independent rating Own occupation services) Limited versus comprehensive Any occupation Marketing (distribution) systems Self-insured versus fully insured Loss of income (income replacement Producers and general rules of agency contracts) On exchange/off exchange Insurer as principal Presumptive disability Small group and large group Producer/insurer relationship Requirement to be under physician care Primary or supplemental Authority and powers of producer Individual disability income insurance Policy exclusion provisions Unique aspects of individual disability Express Producer responsibilities underwriting Implied Marketing requirements Occupational considerations Apparent Advertising (OAR 836-020-0200–0305) Benefit limits Responsibilities to the applicant/insured Oregon Life and Health Insurance Policy issuance alternatives and medical Guaranty Association (ORS 734.750–.890) underwriting Contracts Sales presentations Basic total disability plan Elements of a legal contract Outline of coverage (OAR 836-020- Income benefits (monthly indemnity) Offer and acceptance 0305) Elimination and benefit periods Consideration Summary benefits and coverage Waiver of premium feature Competent parties Field underwriting Coordination with social insurance, Legal purpose Nature and purpose workers compensation benefits and at- Distinct characteristics of an insurance Disclosure of information about work benefits contract individuals Additional monthly benefit (AMB) Contract of adhesion Application procedures Social insurance supplement (SIS) Aleatory contract Requirements at delivery of policy Occupational versus nonoccupational coverage Personal contract Common situations for errors/omissions Individual underwriting on grandfathered Partial disability benefit Unilateral contract plans Residual disability benefit Conditional contract Pre-existing conditions Sick leave Legal interpretations affecting contracts Creditable coverage Vacation leave Ambiguities in a contract of adhesion Benefits, limitations and exclusions Other provisions affecting income benefits Reasonable expectations Producer liability for errors and omissions Cost of living adjustment (COLA) rider Indemnity Individual Health Insurance Policy Future increase option (FIO) rider Utmost good faith General Provisions 7% (7 items) Relation of earnings to insurance (ORS Representations/misrepresentations Uniform required provisions 743.465) Warranties Incontestability (ORS 743.414, .472) Other cash benefits Concealment Grace period (ORS 743.417) Accidental death and dismemberment

18 Rehabilitation benefit Out-of-network provider access Dependent eligibility Medical reimbursement Coordination of benefits provision (OAR Primary Care Physician (PPO) benefit(nondisabling injury) 836-020-0770–0806) Oregon requirements (individual and Change of insurance companies or loss Exclusions as the policy lists group) of coverage Group disability income insurance Eligibility requirements No-loss no-gain Newborn child coverage (ORS Types of disability term 743A.090) Events that terminate coverage Short-term disability (STD) Dependent child age limit (ORS Extension of benefits 743A.090) Continuation of coverage under Long-term disability (LTD) Coverage for adopted children (ORS COBRA and Oregon rules (ORS 743B.347; Unique aspects of group disability 743A.090) OAR 836-052-0860) underwriting Health Care Reform (Affordable Care Conversion rights (ORS 743B.343 – Act) Pre-existing conditions .345) Essential Health Benefits Waiting period Small employer medical plans Levels of Coverage Group total disability benefit Definition of small employer (ORS Payment and Billing 743B.005 ) Income benefits (monthly indemnity) Requirements of small employer (ORS Internal Appeal and External Review Elimination and benefit periods 742.360) Penalties and Fines Basic coverage (ORS 743B.005, Waiver of premium feature 743B.012) Coordination with social insurance, Oregon's Health Insurance workers compensation benefits and at- Exchange/Marketplace Availability of coverage (ORS 743B.104) work benefits Renewability of coverage (ORS 743B.013 Definition (5)) Additional monthly benefit (AMB) Medicaid Participation requirements (ORS 743B.013(7)) Social insurance supplement (SIS) Eligibility Occupational versus nonoccupational Open enrollment coverage Benefits Purchase policy through Sick leave Subsidies/Tax Credits exchange/marketplace (ORS 743B.010) HIPAA (Health Insurance Portability and Small group tax credits Vacation leave Accountability Act) requirements Dental Insurance 3% (3 items) Business disability insurance Eligibility Key employee (partner) disability Pediatric Care (Affordable Care Act) income Guaranteed issue Family care Disability buy-sell policy Renewability Adult care Social Security disability Group Health Insurance 20% (20 items) Purpose of group insurance (ORS Categories of dental treatment Qualification for disability benefits 743B.003(1) -(8)) Diagnostic and preventive Definition of disability Issuance of group contract (ORS 743B.010) Restorative Waiting period Provisions of coverage (ORS 743B.011) Oral surgery Disability income benefits Experience rating versus community Endodontics Workers compensation rating Periodontics Eligibility Types of eligible groups Employment-related groups (ORS Prosthodontics Medical Plans 17% (17 items) 743B.010) Orthodontics Medical plan concepts Multiple-Employer Trusts (METs) or Fee-for-service basis versus prepaid Welfare Arrangements (MEWAs) (ORS Access to Dental Coverage 750.301) basis Choice of providers Benefit schedule versus Self-Funded groups usual/reasonable/customary charges Associations (alumni, professional, Scheduled versus nonscheduled plans Any provider versus limited choice of other) Employer group dental expense providers Marketing considerations Integrated deductibles versus stand- Insureds versus subscribers/participants alone plans Advertising Deductibles and cost sharing Minimizing adverse selection Regulatory jurisdiction/place of delivery Insurance for Senior Citizens and Special Types of providers and plans Needs Individuals 14% (14 items) Major medical insurance (indemnity Employer group health insurance Medicare plans) Insurer underwriting criteria Nature, financing and administration Characteristics and plan provisions Characteristics of group Part A — Hospital Insurance Managed Care Plan design factors Individual eligibility requirements Preferred provider organizations (PPOs) Persistency factors General characteristics and plan Enrollment provisions Administrative capability Eligibility for insurance (ORS Coverages and cost-sharing amounts Open panel or closed panel 743B.105(4), (5)) Part B — Medical Insurance Point-of-service (POS) Employee eligibility

19 Individual eligibility requirements Qualified LTC plans (OAR 836-052-0531) PRODUCERS EXAMINATION FOR LIFE AND HEALTH INSURANCE Enrollment Exclusions SERIES 12-03 Oregon regulations and required Coverages and cost-sharing amounts provisions 150 questions – 2 hours and 40 minute time Exclusions Training for insurance producers (OAR limit Claims terminology and other key 836-052-0639)

terms Standards for marketing (OAR 836- 052-0706) Insurance Regulation 5% (7-8 items) Part C — Medicare Advantage Advertising (OAR 836-052-0696) Licensing Part D — Prescription Drug Insurance Shopper's guide (OAR 836-052-0786) Purpose Medicare supplements Outline of coverage (ORS 743.655(7); Process (ORS 744.058, .059, .062) Purpose (OAR 836-052-0103) OAR 836-052-0776) Appropriateness of recommended Types of licensees Open enrollment (OAR 836-052-0138) purchase Producers (ORS 744.052, .053, Standardized Medicare supplement plans Right to return (free look) (ORS 731.104) 743.655(6)) Consultants (ORS 744.605, .609, Core benefits (OAR 836-052-0133) Replacement (OAR 836-052-0626, .626; OAR 836-071-0150) 0736) Additional benefits Adjusters (ORS 744.531) Oregon regulations and required Renewal provisions provisions Nonresidents (ORS 744.063) Standards for marketing (OAR 836- Continuation or conversion Temporary (ORS 744.073) 052-0175) Required disclosure provisions (OAR Advertising (ORS 743.687; OAR 836- 836-052-0716) Maintenance and duration 052-0170) Inflation protection (OAR 836-052- Renewal and nonrenewal (ORS Appropriateness of recommended 0616) 744.072, .074) OAR 836-071-0146) purchase and excessive insurance Pre-existing conditions (ORS Continuing education (OAR 836-052-0180) 743.655(3)) requirements (ORS 744.072(4); Right to return (free look) (ORS Protection against unintentional lapse OAR 836-071-0215 to 0250) 743.686) (OAR 836-052-536(a)(b); 836-052- Reinstatement (ORS 744.018, Replacement (ORS 743B.300); OAR 0740(7)) .072(6)) 836-052-0165, 0190) Partnership provisions (OAR 836-052- Assumed business name (ORS Pre-existing conditions (OAR 836-052- 0531) 744.028(2),.068) 0190) Prohibited provisions Change of address or telephone Required disclosure provisions (ORS Federal Tax Considerations for Health number (ORS 744.028(1), .068) 743.685;OAR 836-052-0160) Insurance 7% (7 items) Reporting of actions (ORS Outline of coverage (ORS 744.089) 743.685(2);OAR 836-052-0160, 0190) Personally-owned health insurance Suitability (OAR 836-080-0090; OAR 836-080-0170 to 0190) Buyer's guide (ORS 743.685(6)) Disability income insurance Replacement (OAR 836-080-0001 Permitted compensation (OAR 836- Medical expense insurance to 0043) 052-0156) Long-term care insurance Disciplinary actions Medicare SELECT (OAR 836-052-0139) Cease and desist orders (ORS Other options for individuals with Employer group health insurance 731.252) Medicare Disability income (STD, LTD) License probation, suspension, Employer group health plans revocation or refusal to issue or Benefits subject to FICA renew (ORS 744.074) Disabled employees Medical and dental expense Civil penalty (ORS 731.988) Employees with kidney failure Long-term care insurance Criminal penalty (ORS 731.992) Individuals age 65 and older Accidental death and dismemberment State regulation Medical expense coverage for sole Medicaid Director's enforcement authority proprietors and partners Eligibility (ORS 731.256) Business disability insurance Benefits Director's inquiries (ORS 731.296) Key person disability income Long-Term Care (LTC) policies Company regulation Buy-sell policy Producer appointment (ORS Definitions (ORS 743.650 to .665) Health Savings Accounts (HSAs) and 744.078) Eligibility for benefits Health Reimbursement Accounts (HRAs) Termination of appointment (ORS 744.079, .081) Benefit triggers (ORS 743.652(2)) Definition Unfair claim settlement practices Activities of daily living requirements Eligibility (ORS 746.230; OAR 836-080-0205 (OAR 836-052-0516(1)) to 0250) Contribution limits Covered services (OAR 836-052-0596) Producer regulation Portability Benefit periods (ORS 743.665(5)) Fiduciary and trust account responsibilities (ORS 744.083; Benefit amounts (OAR 836-052-0586) OAR 836-074-0020 to 0050) Place of business/records Optional benefits maintenance (ORS 744.068) Guarantee of insurability Controlled business (ORS 746.065, .160) Return of premium (ORS 743.665(E))

20 Commissions (ORS 744.076, .077; Marketing (distribution) systems Planning for income needs OAR 836-071-0269–0277) Fees (ORS 744.076, .077; OAR Producers and general rules of agency Business uses of life insurance 836-071-0260 to 0277) Insurer as principal Buy-sell funding Unfair trade practices Misrepresentation (ORS 746.075, Producer/insurer relationship Key person (ORS 743.228) .100) Authority and powers of producer Executive bonuses False advertising (ORS 746.110; OAR 836-080-0155) Express Deferred compensation funding Types of life insurance policies (ORS Implied Rebating (ORS 746.045) 731.102, .170) Unfair discrimination (ORS Apparent Group and individual (ORS 731.150, 746.015; OAR 836-081-0005, Responsibilities to the 743.303,) 0010, 0020, 0030) applicant/insured Permanent, term, variable and annuities (ORS 731.156, 743.245) Illegal inducement (ORS 746.035) Contracts Examination of records (ORS Fixed versus variable life insurance 744.068(2, 3)) Elements of a legal contract and annuities including regulation of variable products (SEC, FINRA, and Privacy of Consumer Information Offer and acceptance (ORS 746.600, .620, .630, .665; Oregon) (ORS 733.220) Consideration OAR 836-080-0501 to 836-080-0551) Licensee responsibilities Federal regulation Competent parties Solicitation and sales presentations (OAR 836-051-0005–0020) Fair Credit Reporting Act (15 USC Legal purpose 1681 to 1681d) Advertising (ORS 746.075, .110, Distinct characteristics of an .115) Fraud and false statements insurance contract including 1033 waiver (18 USC 1033, Oregon Life and Health Insurance 1034) Contract of adhesion Guaranty Association (ORS 734.750– .890) General Insurance 5% (7-8 items) Aleatory contract Illustrations (OAR 836-051-0500– 0600) Concepts Personal contract Policy summary Risk management key terms Unilateral contract Buyer's guide Risk Conditional contract Legal interpretations affecting Life insurance policy cost Exposure contracts comparison methods Replacement (ORS 746.085; OAR 836- Hazard Ambiguities in a contract of adhesion 080- 0001–to 0043) Peril Reasonable expectations Loss Indemnity Use and disclosure of insurance Methods of handling risk information (ORS 746.600 to .605, Utmost good faith Avoidance .610, .615 to .630, .635 to .660; Representations/misrepresentations OAR 836-080-0430) Retention Warranties Field underwriting Sharing Concealment Notice of information practices Reduction Fraud Application procedures Transfer Waiver and estoppel Delivery Elements of insurable risks Life Insurance Basics 10% (15 items) Policy review Adverse selection Insurable interest (ORS 743.040, .038, Effective date of coverage Law of large numbers .044 ) Premium collection Reinsurance Personal uses of life insurance Statement of good health Insurers Survivor protection Individual underwriting by the insurer Types of insurers Estate creation Information sources and regulation Stock companies Cash accumulation Liquidity Application (ORS 743.039, .318) Mutual companies Medical examinations and lab tests Fraternal benefit societies Estate conservation (including HIV consent) (OAR 836- Life settlements (ORS 744.318., .321, 050-0250) Reciprocals .323, .326,.328; OAR 836-014-0200– Selection criteria and unfair 0330) discrimination (OAR 836-081-0005, Lloyd's associations 0010) Determining amount of personal life Risk retention groups Sexual orientation prohibited (OAR insurance 836-050-0240) Private versus government insurers Human life value approach Medical and lifestyle questions (OAR Admitted versus nonadmitted insurers 836-050-0245) Needs approach Prohibited discrimination (ORS Domestic, foreign and alien insurers Types of information gathered 746.015) Financial status (independent rating services) Determining lump-sum needs Evidence of insurability (ORS 743.321) Incontestability (ORS 743.315)

21 Suitability in the sale of life insurance Prohibited provisions including Children's term rider (OAR 836-080-0090) backdating (ORS 743.225) Family term rider Life Insurance Policies 10% (15 items) Beneficiaries Riders affecting the death benefit Term life insurance Designation options amount Level term Individuals Accidental death Annual renewable term Classes Guaranteed insurability Level premium term Estates Cost of living Decreasing term Minors Return of premium Whole life insurance Trusts Annuities 11% (16 - 17 items) Continuous premium (straight life) Succession Annuity principles and concepts Accumulation period versus annuity Limited payment Revocable versus irrevocable period Single premium Common disaster clause Owner, annuitant and beneficiary Flexible premium policies Spendthrift clause Insurance aspects of annuities Adjustable life Settlement options Suitability in the sale of annuities (OAR 836-080-0090) Universal life Cash payment Immediate versus deferred annuities Specialized policies Interest only Single premium immediate annuities Joint life (first-to-die) Fixed-period installments (SPIAs) Juvenile life Fixed-amount installments Deferred annuities Survivorship Life Life income Premium payment options Group life insurance Single life Nonforfeiture Characteristics of group plans Joint and survivor Surrender charges Nonforfeiture options (ORS 743.204 to Group underwriting requirements Death benefits .210) Conversion to individual policy(ORS Annuity (benefit) payment options 743.333–.339) Cash surrender value Life contingency options Incontestability (ORS 743.315) Extended term Pure life versus life with Evidence of Insurability (ORS 743.321) Reduced paid-up insurance guaranteed minimum Misstatement of Age (ORS 743.324) Policy loan and withdrawal options Single life versus multiple life Payments under the policy (ORS Cash loans Annuities certain (types) 743.327) Termination of individual coverage Automatic premium loans Annuity products (ORS 743.333) Withdrawals or partial surrenders Fixed annuities Continuing coverage (ORS 743.356) General account assets Prohibited sales practices (ORS Uses of dividends (ORS 743.183) Interest rate guarantees (minimum 743.348) Interest rate (ORS 743.187) versus current) Policies issued to trustees of certain funds (ORS 743.354) Dividend options Level benefit payment amount Credit life insurance (individual versus Cash payment Equity indexed annuities group) 5.0 Life Insurance Policy Provisions, Reduction of premium payments Market value adjusted annuities Options and Riders 7% (10 - 11 items) Accumulation at interest Uses of annuities Standard provisions One-year term option Lump-sum settlements Ownership Paid-up additions Qualified retirement plans including group versus individual annuities Assignment (ORS 743.043) Disability riders Personal uses Entire contract (ORS 743.174) Waiver of premium Individual retirement annuities Modifications Waiver of cost of insurance (IRAs) Right to examine (free look) Disability income benefit Tax-deferred growth Payment of premiums (ORS 743.162) Payor benefit life/disability (juvenile Retirement income insurance) Grace period (ORS 743.165) Accelerated (living) benefit Education funds Reinstatement (ORS 743.171) provision/rider (ORS 743.154; OAR Living benefit riders 836-051-0300–0380, 836-052–0646) Federal Tax Considerations for Life Incontestability (ORS 743.168) Insurance and Annuities 5% (7 - 8 Misstatement of age and gender (ORS Qualifying events items) 743.180) Disclosure Taxation of personal life insurance Exclusions Effect of benefit payment Amounts available to policyowner Suicide exclusion Riders covering additional insureds Cash value increases Medical examination; autopsy Spouse/other-insured term rider

22 Dividends Long-term care (ORS 743B.005, Other general provisions 743.650, OAR 836-052-0516) Right to examine (free look) (ORS Policy loans 743.492) Short-term care (ORS 743.652(5)) Surrenders Medicare supplements (ORS Consideration clause Amounts received by beneficiary 743.680, OAR 836-052-0103) Legal actions (ORS 743.441) General rule and exceptions Accident (ORS 743B.005) Renewability clause (ORS 743.495, .498, 743B.125(5)) Settlement options Disability Noncancelable Values included in insured's estate Student health (ORS 743.550) Guaranteed renewable Modified endowment contracts (MECs) Blanket (ORS 743.536) Modified endowment versus life Conditionally renewable Vision insurance Renewable at option of insurer Types of health insurance policies Seven-pay test Nonrenewable (cancelable, term) Individual versus group Distributions Cancellation (ORS 743.472, Private versus government 743B.125(6)) Taxation of non-qualified annuities Disability Income and Related TRICARE (ORS 743B.005) Individually-owned Insurance 2% (3 items) Accumulation phase (tax issues Limited versus comprehensive Qualifying for disability benefits related to withdrawals) Annuity phase and the exclusion Self-insured versus fully insured Inability to perform duties ratio On exchange/off exchange Own occupation Distributions at death Small group and large group Any occupation Corporate-owned Primary or supplemental Loss of income (income replacement Taxation of individual retirement contracts) annuities(IRAs) Policy exclusion provisions Presumptive disability Traditional IRAs Producer responsibilities Requirement to be under physician Contributions and deductible Marketing requirements care amounts Advertising (OAR 836-020-0200– Individual disability income insurance Premature distributions (including 0305) Unique aspects of individual disability taxation issues) Oregon Life and Health Insurance underwriting Annuity phase benefit payments Guaranty Association (ORS 734.750– .890) Occupational considerations Amounts received by beneficiary Sales presentations Benefit limits Roth IRAs Outline of coverage (OAR 836-020- Policy issuance alternatives and medical underwriting Contributions and limits 0305) Summary benefits and coverage Basic total disability plan Distributions Income benefits (monthly Rollovers and transfers (IRAs and Field underwriting indemnity) qualified plans) and suitability Nature and purpose Elimination and benefit periods Section 1035 exchanges and suitability Disclosure of information about individuals Waiver of premium feature Qualified Plans 3% Coordination with social insurance, General requirements Application procedures workers compensation benefits and at-work benefits Federal tax considerations Requirements at delivery of policy Tax advantages for employers and Common situations for Additional monthly benefit (AMB) employees errors/omissions Individual underwriting on Social insurance supplement (SIS) Taxation of distributions (age-related) grandfathered plans Occupational versus Plan types, characteristics and nonoccupational coverage Pre-existing conditions purchasers Partial disability benefit Creditable coverage Simplified employee pensions (SEPs) Residual disability benefit Self-employed plans (HR 10 or Keogh Benefits, limitations and exclusions plans) Producer liability for errors and Sick leave Profit-sharing and 401(k) plans omissions Vacation leave Individual Health Insurance Policy Other provisions affecting income SIMPLE plans General Provisions 4% (6 items) benefits 403(b) tax-sheltered annuities (TSAs) Uniform required provisions Cost of living adjustment (COLA) rider Health Insurance 3% Incontestability (ORS 743.414, .472) Future increase option (FIO) rider Types of products and benefits Grace period (ORS 743.417) Relation of earnings to insurance Reinstatement (ORS 743.420) (ORS 743.465) Medical and surgical (ORS 743B.005) Uniform optional provisions Other cash benefits Accidental death and Change of occupation (ORS 743.450) Dental (ORS 731.162, 743B.005) dismemberment Misstatement of age (ORS 743.453, .489) Rehabilitation benefit Medical reimbursement

23 benefit(nondisabling injury) Primary Care Physician (PPO) Dependent eligibility Oregon requirements (individual and Coordination of benefits provision Exclusions as the policy lists group) (OAR 836-020-0770 to 0806) Group disability income insurance Change of insurance companies or loss Eligibility requirements of coverage Types of disability term Newborn child coverage (ORS 743A.090) No-loss no-gain Short-term disability (STD) Dependent child age limit (ORS Events that terminate coverage Long-term disability (LTD) 743A.090) Unique aspects of group disability Coverage for adopted children (ORS Extension of benefits underwriting 743A.090) Health Care Reform (Affordable Care Pre-existing conditions Act) Continuation of coverage under Waiting period Essential Health Benefits COBRA and Oregon rules (ORS 743B.347; OAR 836-052-0860) Levels of Coverage Group total disability benefit Conversion rights (ORS 743B.343 – Income benefits (monthly indemnity) Payment and Billing .345) Elimination and benefit periods Small employer medical plans Internal Appeal and External Review Definition of small employer (ORS Waiver of premium feature 743B.005 ) Coordination with social insurance, Penalties and Fines Requirements of small employer workers compensation benefits and Oregon's Health Insurance (ORS 742.360) at-work benefits Exchange/Marketplace Basic coverage (ORS 743B.005, 743B.012) Additional monthly benefit (AMB) Definition Availability of coverage (ORS Social insurance supplement (SIS) Medicaid 743B.104) Occupational versus Renewability of coverage (ORS nonoccupational coverage Eligibility 743B.013 (5)) Sick leave Benefits Participation requirements (ORS 743B.013(7)) Subsidies/Tax Credits Vacation leave HIPAA (Health Insurance Portability Open enrollment Business disability insurance and Accountability Act) requirements Purchase policy through Key employee (partner) disability exchange/marketplace (ORS income Eligibility 743B.010) Disability buy-sell policy Guaranteed issue Small group tax credits Social Security disability Renewability Dental Insurance 2% (3 items) Group Health Insurance 11% (16 - 17 Qualification for disability benefits items) Pediatric Care (Affordable Care Act) Definition of disability Purpose of group insurance (ORS Family care 743B.003(1) -(8)) Waiting period Issuance of group contract (ORS Adult care 743B.010) Disability income benefits Categories of dental treatment Provisions of coverage (ORS 743B.011) Workers compensation Diagnostic and preventive Experience rating versus community Eligibility rating Restorative Medical Plans 9% (13 - 14 items) Types of eligible groups Oral surgery Employment-related groups (ORS Medical plan concepts 743B.010) Endodontics Fee-for-service basis versus prepaid Multiple-Employer Trusts (METs) or basis Periodontics Welfare Arrangements (MEWAs) (ORS Benefit schedule versus 750.301) Prosthodontics usual/reasonable/customary charges Any provider versus limited choice of Self-Funded groups Orthodontics providers Associations (alumni, professional, Access to Dental Coverage Insureds versus other) subscribers/participants Choice of providers Marketing considerations Deductibles and cost sharing Scheduled versus nonscheduled plans Advertising Types of providers and plans Regulatory jurisdiction/place of Employer group dental expense Major medical insurance (indemnity delivery Integrated deductibles versus stand- plans) alone plans Employer group health insurance Characteristics and plan provisions Minimizing adverse selection Insurer underwriting criteria Insurance for Senior Citizens and Managed Care Characteristics of group Special Needs Individuals 9% (13 - 14 Preferred provider organizations items) (PPOs) Plan design factors General characteristics and plan Medicare Persistency factors provisions Nature, financing and administration Open panel or closed panel Administrative capability Eligibility for insurance (ORS Part A — Hospital Insurance Point-of-service (POS) 743B.105(4), (5)) Individual eligibility requirements Out-of-network provider access Employee eligibility

24 Enrollment Benefit amounts (OAR 836-052-0586) Portability

Coverages and cost-sharing amounts Optional benefits

Part B — Medical Insurance Guarantee of insurability PRODUCERS EXAMINATION FOR PROPERTY Return of premium (ORS AND CASUALTY INSURANCE Individual eligibility requirements 743.665(E)) SERIES 12-04 Enrollment Qualified LTC plans (OAR 836-052- 0531) Coverages and cost-sharing amounts 150 questions – 2 hours and 40 minute time Exclusions limit Exclusions Oregon regulations and required Claims terminology and other key provisions Insurance Regulation 11% terms Training for insurance producers Part C — Medicare Advantage (OAR 836-052-0639) Licensing Standards for marketing (OAR 836- Purpose Part D — Prescription Drug Insurance 052-0706) Process (ORS 744.058, .059, .062) Medicare supplements Advertising (OAR 836-052-0696) Types of licensees Purpose (OAR 836-052-0103) Shopper's guide (OAR 836-052-0786) Producers (ORS 744.052, .053, 731.104) Open enrollment (OAR 836-052-0138) Outline of coverage (ORS Consultants (ORS 744.605, .609, .626; Standardized Medicare supplement 743.655(7); OAR 836-052-0776) OAR 836-071-0150) plans Appropriateness of recommended purchase Adjusters (ORS 744.531) Core benefits (OAR 836-052-0133) Right to return (free look) (ORS Nonresidents (ORS 744.063) 743.655(6)) Additional benefits Temporary (ORS 744.073) Oregon regulations and required Replacement (OAR 836-052-0626, Maintenance and duration provisions 0736) Renewal and nonrenewal (ORS Standards for marketing (OAR 836- Renewal provisions 052-0175) 744.072, .074) OAR 836-071-0146) Advertising (ORS 743.687; OAR 836- Continuation or conversion Continuing education requirements 052-0170) Required disclosure provisions (OAR (ORS 744.072(4); OAR 836-071-0215 to Appropriateness of recommended 836-052-0716) 0250) purchase and excessive insurance Inflation protection (OAR 836-052- Reinstatement (ORS 744.018, .072(6)) (OAR 836-052-0180) 0616) Assumed business name (ORS Right to return (free look) (ORS Pre-existing conditions (ORS 744.028(2),.068) 743.686) 743.655(3)) Change of address or telephone Replacement (ORS 743B.300); OAR Protection against unintentional number (ORS 744.028(1), .068) lapse (OAR 836-052-536(a)(b); 836- 836-052-0165, 0190) Reporting of actions (ORS 744.089) 052-0740(7)) Pre-existing conditions Partnership provisions (OAR 836- Disciplinary actions Required disclosure provisions (ORS 052-0531) Cease and desist orders (ORS 731.252) 743.685;OAR 836-052-0160) License probation, suspension, Outline of coverage (ORS Prohibited provisions Federal Tax Considerations for Health revocation or refusal to issue or renew 743.685(2);OAR 836-052-0160, (ORS 744.074) 0190) Insurance 4% (6 items) Civil penalty (ORS 731.988) Personally-owned health insurance Buyer's guide (ORS 743.685(6)) Criminal penalty (ORS 731.992) Permitted compensation (OAR 836- Disability income insurance 052-0156) State regulation Medical expense insurance Director's enforcement authority (ORS Medicare SELECT (OAR 836-052-0139) 731.256) Long-term care insurance Other options for individuals with Director's inquiries (ORS 731.296) Medicare Employer group health insurance Company regulation Employer group health plans Disability income (STD, LTD) Producer appointment (ORS 744.078) Disabled employees Benefits subject to FICA Termination of appointment (ORS 744.079, .081) Employees with kidney failure Medical and dental expense Unfair claim settlement practices (ORS Individuals age 65 and older Long-term care insurance 746.230; OAR 836-080-0205 to 0250) Producer regulation Medicaid Accidental death and dismemberment Fiduciary and trust account Medical expense coverage for sole Eligibility responsibilities (ORS 744.083; OAR proprietors and partners Benefits 836-074-0020 to 0050) Business disability insurance Place of business/records maintenance Long-Term Care (LTC) policies (ORS 744.068) Key person disability income Definitions (ORS 743.650 to .665) Controlled business (ORS 746.065, Buy-sell policy .160) Eligibility for benefits Health Savings Accounts (HSAs) and Commissions (ORS 744.076, .077; OAR 836-071-0269–0277) Benefit triggers (ORS 743.652(2)) Health Reimbursement Accounts Fees (ORS 744.076, .077; OAR 836-071- Activities of daily living requirements (HRAs) 0260 to 0277) (OAR 836-052-0516(1)) Definition Unfair trade practices Covered services (OAR 836-052-0596) Eligibility Misrepresentation (ORS 746.075, .100) Benefit periods (ORS 743.665(5)) Contribution limits False advertising (ORS 746.110; OAR 836-080-0155)

25 Rebating (ORS 746.045) Distinct characteristics of an insurance Insuring agreement or clause contract Unfair discrimination (ORS 746.015; Additional/supplementary coverage OAR 836-081-0005, 0010, 0020, 0030) Contract of adhesion Conditions Illegal inducement (ORS 746.035) Aleatory contract Exclusions Examination of records (ORS 744.068(2, Personal contract 3)) Endorsements Unilateral contract Privacy of Consumer Information (ORS Common policy provisions Conditional contract 746.600, .620, .630, .665; OAR 836-080- Insureds — named, first named and 0501 to 836-080-0551) Legal interpretations affecting contracts additional Federal regulation Ambiguities Policy period Fair Credit Reporting Act (15 USC 1681 to Reasonable expectations Policy territory 1681d) Fraud and false statements including Indemnity Cancellation and nonrenewal 1033 waiver (18 USC 1033, 1034) Utmost good faith Deductibles General Insurance 10% Representations/misrepresentations Other insurance Concepts Warranties Concurrent Risk management key terms Concealment Primary and excess Risk Fraud Limits of liability Exposure Waiver and estoppel Per occurrence (accident) Hazard Property and Casualty Insurance Basics 14% Per person Peril Principles and concepts Aggregate—general versus products— completed operations Loss Insurable interest Split Methods of handling risk Underwriting Combined single Avoidance Function Policy limits Retention Loss ratio Restoration/nonreduction of limits Sharing Rates Coinsurance Reduction Types Vacancy or unoccupancy Transfer Loss costs Named insured provisions Elements of insurable risks Components Duties after loss Adverse selection Hazards Assignment Law of large numbers Physical Abandonment Reinsurance Moral Insurer provisions Insurers Morale Liberalization Types of insurers Negligence Subrogation Stock companies Elements of a negligent act Salvage Mutual companies Defenses against negligence Claim settlement options Fraternal benefit societies Damages Duty to defend Reciprocals Compensatory — economic versus non- Lloyd's associations economic Third-party provisions Risk retention groups Punitive Standard mortgage clause Private versus government insurers Absolute liability Loss payable clause Admitted versus nonadmitted insurers Strict liability No benefit to the bailee Oregon laws, regulations and required Domestic, foreign and alien insurers Vicarious liability provisions Causes of loss (perils) Financial status (independent rating Oregon Insurance Guaranty Association services) Named perils versus special (open) perils (ORS 734.510–.710) Marketing (distribution) systems Direct loss Cancellation and nonrenewal Producers and general rules of agency Consequential or indirect loss Commercial liability (ORS 742.700– Insurer as principal Blanket, specific insurance, and margin .710) Producer/insurer relationship clause Property (ORS 742.224, 746.686-687) Authority and powers of producer Basic types of construction Automobile (ORS 742.560-.572) Express Loss valuation Binders (ORS 742.043) Rates (ORS 737.025, .310; OAR 836-010- Implied Actual cash value 0011) Replacement cost Apparent Policy forms (ORS 742.003, .005) Functional replacement cost Responsibilities to the applicant/insured Suit against insurer (ORS 742.240) Market value Contracts Concealment, misrepresentation or fraud Elements of a legal contract Agreed value (ORS 742.013, .208, .562(1)(b), .702(1)(b); 746.075, .100, .110) Offer and acceptance Stated amount Valued policy Unfair discrimination (ORS 746.015,.018, Consideration .240) Competent parties Policy structure Federal Terrorism Insurance Program (15 USC 6701; Public Law 109–144, 110–160) Legal purpose Declarations Definitions Dwelling Policy 6%

26 Characteristics and purpose Other ways to prove responsibility Selected endorsements (ORS 806.011, .060, .080) Coverage forms — Perils insured against Lessor — additional insured and loss Personal injury protection (ORS 742.518– payee Basic — Oregon .544) Mobile equipment Broad Medical Auto medical payments Special Loss of income coverage/personal injury protection Property coverages Funeral Drive other car coverage Coverage A — Dwelling Essential services Individual named insured Coverage B — Other structures Exclusions from coverage Suspension of coverage Coverage C — Personal property Arbitration Commercial carrier regulations Coverage D — Fair rental value Day Care The Motor Carrier Act of 1980 Coverage E — Additional living expense Uninsured/underinsured motorist (ORS Endorsement for motor carrier policies 742.500–.510) of insurance for public liability (MCS- Other coverages Definitions 90) General exclusions Bodily injury Commercial Package Policy (CPP) 13% Conditions Property damage Components of a commercial policy Selected endorsements Required limits Common policy declarations Special provisions — Oregon Aftermarket Crash Parts Act (ORS Common policy conditions Automatic increase in insurance 746.287, .289, .292) Interline endorsements Broad theft coverage Credit History (ORS 746.661 One or more coverage parts Total Loss (ORS 742.554, 801.527, Dwelling under construction Commercial general liability 819.014), (OAR 836.080.0240) Personal liability supplement Commercial general liability coverage Personal auto policy Homeowners Policy 8% forms Definitions Coverage forms Bodily injury and property damage Liability coverage liability HO-2 through HO-6 Bodily injury and property damage Personal and advertising injury liability HO-8 Supplementary payments Medical payments Definitions Exclusions Supplementary payments Section I — Property coverages Medical payments coverage Who is an insured Coverage A — Dwelling Coverage for damage to your auto Limits of insurance Coverage B — Other structures Collision Conditions Coverage C — Personal property Other than collision (comprehensive) Definitions Coverage D — Loss of use Deductibles Exclusions Additional coverages Exclusions Occurrence versus claims-made Section II — Liability coverages Rental Reimbursement Trigger Coverage E — Personal liability Duties after an accident or loss Retroactive date Coverage F — Medical payments to others Extended reporting periods — basic General provisions Additional coverages versus supplemental Selected endorsements Perils insured against Claim information Amendment of policy provisions — Premises and operations Exclusions Oregon Conditions Towing and labor costs Products and completed operations Selected endorsements Extended non-owned coverage — Insured contract defined/contractual liability Special provisions — Oregon vehicles furnished or available for regular use Pollution liability coverage form Limited fungi, wet or dry rot, or bacteria coverage Miscellaneous type vehicle Commercial property Earthquake Joint ownership coverage Commercial property conditions form Scheduled personal property Commercial auto Coverage forms Personal property replacement cost Commercial auto coverage forms Building and personal property Permitted incidental occupancies — Business auto Condominium association residence premises — Oregon Garage Condominium commercial unit-owners Home day care — Oregon Business auto physical damage Builders risk Business pursuits Motor carrier Business income Watercraft Coverage form sections Legal liability Personal injury Covered autos Extra expense Identify theft Liability coverage Causes of loss forms Auto Insurance 11% Garage keeper’s coverage Basic Laws Trailer interchange coverage Broad Oregon Motor Vehicle Financial Responsibility Law Physical damage coverage Special Required motor vehicle limits of liability Exclusions Selected endorsements (ORS 806.070, .075) Conditions Ordinance or law Definitions Spoilage

27 Peak season limit of insurance Coverage H — Bodily injury and Part Two — Employers liability insurance property damage liability Value reporting form Part Three — Other states insurance Coverage I — Personal and advertising Commercial crime injury liability Part Four — Your duties if injury occurs General definitions Coverage J — Medical payments Part Five — Premium Burglary Mobile agricultural machinery and Part Six — Conditions equipment coverage form Theft Selected endorsement Livestock coverage form Robbery Voluntary compensation Definitions Crime coverage forms Premium computations Causes of loss (basic, broad and special) Commercial crime coverage forms Job classification (discovery/loss sustained) Conditions Rates Government crime coverage forms Exclusions (discovery/loss sustained) Payroll Limits Coverages Adjustment upon audit Additional coverages Employee theft Experience modification factor Businessowners Policy 5% Forgery or alteration Premium discounts Characteristics and purpose Inside the premises — theft of money Other sources of coverage Businessowners Section I — Property and securities Oregon Workers' Compensation Fund Inside the premises — robbery or safe Coverages Insurance Plan (ORS 656.730; OAR 836- burglary of other property Exclusions 043-0001–0091) Outside the premises Self-insured employers and employer Limits Computer fraud groups (ORS 656.403, .407) Deductibles Funds transfer fraud Other Coverages and Options 11% Loss conditions Money orders and counterfeit money Umbrella/excess liability policies General conditions Other crime coverages Personal Optional coverages Extortion — commercial entities Commercial Definitions Guests' property Specialty liability insurance Businessowners Section II — Liability Identify theft/data breach Errors and omissions Coverages Commercial inland marine Professional liability Exclusions Nationwide marine definition Directors and officer’s liability Who is an insured Commercial inland marine conditions Fiduciary liability form Limits of insurance Liquor liability Inland marine coverage forms General conditions Employment practices liability Accounts receivable Definitions Surplus lines (ORS Sec. 735.410, .415) Businessowners Section III — Common Bailee's customer Definitions and markets Policy Conditions Commercial articles Selected endorsements Licensing requirements Contractors equipment floater Hired auto and non-owned auto liability Surety bonds Electronic data processing Protective safeguards Principal, obligee and surety Installation floater Utility services — direct damage Contract bonds Signs Utility services — time element License and permit bonds Valuable papers and records Workers' Compensation Insurance 11% Judicial bonds Transportation coverages Workers' compensation laws National Flood Insurance Program Motor truck cargo forms Type of law Write your own versus government Transit coverage forms Monopolistic versus competitive Eligibility Equipment breakdown Compulsory versus elective Coverage Equipment breakdown protection Limits coverage form Oregon Workers' Compensation Law (ORS Chapter 656) Selected endorsement Deductibles Exclusive remedy (ORS 656.018) Actual cash value Other policies Employment covered (required, Boatowners Farm coverage voluntary, leased) (ORS 656.017, .023, Difference in conditions Farm property coverage form .027–.041) Coverage A — Dwellings Covered injuries (ORS 656.005(7)) Recreational vehicles Occupational disease (ORS 656.802– Coverage B — Other private structures Residual markets .804) Joint Underwriting Association (ORS Coverage C — Household personal Benefits provided (ORS 656.202, .204, property 735.200-.260; 737.390) .206, .208, .210, .211, .212, .214, Oregon FAIR Plan Association (ORS Coverage D — Loss of use .216, .245, .258) 735.005, .015, .045) Coverage E — Scheduled personal Workers' Compensation Handicapped property Workers Program (ORS 656.628) Coverage F — Unscheduled farm Workers' compensation and employers personal property liability insurance policy PRODUCERS EXAMINATION FOR PROPERTY Coverage G — Other farm structures General section INSURANCE Farm liability coverage form Part One — Workers' compensation SERIES 12-12 insurance

28 100 questions – 2 hour time limit Privacy of Consumer Information (ORS Conditional contract 746.600, .620, .630, .665; OAR 836- Legal interpretations affecting contracts Insurance Regulation 13% 080-0501 to 836-080-0551) Federal regulation Ambiguities Licensing Fair Credit Reporting Act (15 USC 1681 Reasonable expectations Purpose to 1681d) Indemnity Process (ORS 744.058, .059, .062) Fraud and false statements including Utmost good faith Types of licensees 1033 waiver (18 USC 1033, 1034) Representations/misrepresentations Producers (ORS 744.052, .053, General Insurance 13% 731.104) Concepts Warranties Consultants (ORS 744.605, .609, .626; Risk management key terms Concealment OAR 836-071-0150) Risk Fraud Adjusters (ORS 744.531) Exposure Waiver and estoppel Nonresidents (ORS 744.063) Hazard Property and Casualty Insurance Basics 16% Temporary (ORS 744.073) Peril Principles and concepts Maintenance and duration Insurable interest Renewal and nonrenewal (ORS Loss 744.072, .074) OAR 836-071-0146) Methods of handling risk Underwriting Continuing education requirements Avoidance Function (ORS 744.072(4); OAR 836-071-0215 Loss ratio to 0250) Retention Rates Reinstatement (ORS 744.018, .072(6)) Sharing Types Assumed business name (ORS Reduction 744.028(2),.068) Transfer Loss costs Change of address or telephone Components number (ORS 744.028(1), .068) Elements of insurable risks Hazards Reporting of actions (ORS 744.089) Adverse selection Physical Disciplinary actions Law of large numbers Moral Cease and desist orders (ORS Reinsurance 731.252) Insurers Morale License probation, suspension, Types of insurers Causes of loss (perils) revocation or refusal to issue or Named perils versus special (open) Stock companies renew (ORS 744.074) perils Civil penalty (ORS 731.988) Mutual companies Direct loss Criminal penalty (ORS 731.992) Fraternal benefit societies Consequential or indirect loss State regulation Reciprocals Blanket, specific insurance, and margin Director's enforcement authority (ORS Lloyd's associations clause 731.256) Risk retention groups Basic types of construction Director's inquiries (ORS 731.296) Private versus government insurers Loss valuation Company regulation Admitted versus nonadmitted insurers Actual cash value Producer appointment (ORS 744.078) Domestic, foreign and alien insurers Replacement cost Termination of appointment (ORS Functional replacement cost 744.079, .081) Financial status (independent rating Unfair claim settlement practices services) Market value (ORS 746.230; OAR 836-080-0205 to Marketing (distribution) systems Agreed value 0250) Producers and general rules of agency Stated amount Producer regulation Insurer as principal Valued policy Fiduciary and trust account Producer/insurer relationship responsibilities (ORS 744.083; OAR Policy structure 836-074-0020 to 0050) Authority and powers of producer Declarations Place of business/records Express Definitions maintenance (ORS 744.068) Implied Controlled business (ORS 746.065, Insuring agreement or clause .160) Apparent Additional/supplementary coverage Commissions (ORS 744.076, .077; Responsibilities to the applicant/insured Conditions OAR 836-071-0269–0277) Contracts Fees (ORS 744.076, .077; OAR 836- Exclusions 071-0260 to 0277) Elements of a legal contract Endorsements Unfair trade practices Offer and acceptance Common policy provisions Misrepresentation (ORS 746.075, Consideration Insureds — named, first named and .100) Competent parties additional False advertising (ORS 746.110; OAR Policy period 836-080-0155) Legal purpose Policy territory Rebating (ORS 746.045) Distinct characteristics of an insurance contract Unfair discrimination (ORS 746.015; Cancellation and nonrenewal OAR 836-081-0005, 0010, 0020, 0030) Contract of adhesion Deductibles Illegal inducement (ORS 746.035) Aleatory contract Other insurance Examination of records (ORS 744.068(2, Personal contract Concurrent 3)) Unilateral contract Primary and excess

29 Policy limits HO-2 through HO-6 Signs Restoration/nonreduction of limits HO-8 Valuable papers and records Coinsurance Definitions Transportation coverages Vacancy or unoccupancy Section I — Property coverages Motor truck cargo forms Named insured provisions Coverage A — Dwelling Transit coverage forms Duties after loss Coverage B — Other structures Equipment breakdown Assignment Coverage C — Personal property Equipment breakdown protection coverage form Abandonment Coverage D — Loss of use Selected endorsement Insurer provisions Additional coverages Actual cash value Liberalization Perils insured against Farm coverage Subrogation Exclusions Farm property coverage form Salvage Conditions Coverage A — Dwellings Claim settlement options Selected endorsements Coverage B — Other private Third-party provisions Special provisions — Oregon structures Standard mortgage clause Limited fungi, wet or dry rot, or Coverage C — Household personal bacteria coverage property Loss payable clause Earthquake Coverage D — Loss of use No benefit to the bailee Scheduled personal property Coverage E — Scheduled personal Oregon laws, regulations and required property Personal property replacement cost provisions Coverage F — Unscheduled farm Oregon Insurance Guaranty Association Permitted incidental occupancies — personal property (ORS 734.510–.710) residence premises — Oregon Coverage G — Other farm structures Cancellation and nonrenewal Home day care — Oregon Mobile agricultural machinery and Commercial liability (ORS 742.700– Commercial Package Policy (CPP) 13% equipment coverage form .710) Components of a commercial policy Livestock coverage form Property (ORS 742.224, 746.686-687) Common policy declarations Definitions Binders (ORS 742.043) Common policy conditions Causes of loss (basic, broad and special) Rates (ORS 737.025, .310; OAR 836-010- 0011) Interline endorsements Conditions Policy forms (ORS 742.003, .005) One or more coverage parts Exclusions Suit against insurer (ORS 742.240) Commercial property Limits Concealment, misrepresentation or fraud Commercial property conditions form Additional coverages (ORS 742.013, .208, .562(1)(b), Coverage forms Businessowners Policy 8% .702(1)(b); 746.075, .100, .110) Unfair discrimination (ORS Building and personal property Characteristics and purpose 746.015,.018, .240) Condominium association Businessowners Section I — Property Federal Terrorism Insurance Program Condominium commercial unit- Coverages (15 USC 6701; Public Law 109–144, 110– owners Exclusions 160) Builders risk Dwelling Policy 10% Limits Business income Characteristics and purpose Deductibles Legal liability Coverage forms — Perils insured against Loss conditions Extra expense Basic — Oregon General conditions Causes of loss forms Broad Optional coverages Basic Special Definitions Broad Property coverages Businessowners Section III — Common Special Policy Conditions Coverage A — Dwelling Selected endorsements Selected endorsements Coverage B — Other structures Ordinance or law Protective safeguards Coverage C — Personal property Spoilage Utility services — direct damage Coverage D — Fair rental value Peak season limit of insurance Utility services — time element Coverage E — Additional living expense Value reporting form Other Coverages and Options 10% Other coverages Commercial inland marine National Flood Insurance Program General exclusions Nationwide marine definition Write your own versus government Conditions Commercial inland marine conditions Eligibility Selected endorsements form Coverage Special provisions — Oregon Inland marine coverage forms Limits Automatic increase in insurance Accounts receivable Deductibles Broad theft coverage Bailee's customer Other policies Dwelling under construction Commercial articles Boatowners Personal liability supplement Contractors equipment floater Difference in conditions Homeowners Policy 17% Electronic data processing Recreational vehicles Coverage forms Installation floater

30 Residual markets Unfair trade practices Offer and acceptance Joint Underwriting Association (ORS Misrepresentation (ORS 746.075, Consideration 735.200-.260; 737.390) .100) Competent parties Oregon FAIR Plan Association (ORS False advertising (ORS 746.110; OAR 735.005, .015, .045) 836-080-0155) Legal purpose Rebating (ORS 746.045) Distinct characteristics of an insurance Unfair discrimination (ORS 746.015; contract PRODUCERS EXAMINATION FOR CASUALTY OAR 836-081-0005, 0010, 0020, 0030) Contract of adhesion INSURANCE Illegal inducement (ORS 746.035) Aleatory contract SERIES 12-13 Examination of records (ORS 744.068(2, Personal contract 3)) Unilateral contract 100 questions – 2 hour time limit Privacy of Consumer Information (ORS 746.600, .620, .630, .665; OAR 836- Conditional contract Insurance Regulation 11% 080-0501 to 836-080-0551) Legal interpretations affecting contracts Licensing Federal regulation Ambiguities Fair Credit Reporting Act (15 USC 1681 Purpose Reasonable expectations to 1681d) Process (ORS 744.058, .059, .062) Fraud and false statements including Indemnity Types of licensees 1033 waiver (18 USC 1033, 1034) Utmost good faith Producers (ORS 744.052, .053, General Insurance 11% Representations/misrepresentations 731.104) Concepts Warranties Consultants (ORS 744.605, .609, .626; Risk management key terms OAR 836-071-0150) Concealment Adjusters (ORS 744.531) Risk Fraud Nonresidents (ORS 744.063) Exposure Waiver and estoppel Temporary (ORS 744.073) Hazard Property and Casualty Insurance Basics 13% Maintenance and duration Peril Principles and concepts Renewal and nonrenewal (ORS Loss Insurable interest 744.072, .074) OAR 836-071-0146) Methods of handling risk Continuing education requirements Underwriting Avoidance (ORS 744.072(4); OAR 836-071-0215 Function to 0250) Retention Loss ratio Reinstatement (ORS 744.018, .072(6)) Sharing Rates Assumed business name (ORS Reduction Types 744.028(2),.068) Transfer Change of address or telephone Loss costs number (ORS 744.028(1), .068) Elements of insurable risks Components Reporting of actions (ORS 744.089) Adverse selection Hazards Disciplinary actions Law of large numbers Physical Cease and desist orders (ORS Reinsurance Moral 731.252) Insurers License probation, suspension, Morale revocation or refusal to issue or Types of insurers Negligence renew (ORS 744.074) Stock companies Elements of a negligent act Civil penalty (ORS 731.988) Mutual companies Defenses against negligence Criminal penalty (ORS 731.992) Fraternal benefit societies Damages State regulation Reciprocals Compensatory — economic versus Director's enforcement authority (ORS Lloyd's associations 731.256) non-economic Risk retention groups Director's inquiries (ORS 731.296) Punitive Private versus government insurers Company regulation Absolute liability Admitted versus nonadmitted insurers Producer appointment (ORS 744.078) Strict liability Termination of appointment (ORS Domestic, foreign and alien insurers Vicarious liability 744.079, .081) Financial status (independent rating Policy structure Unfair claim settlement practices services) Declarations (ORS 746.230; OAR 836-080-0205 to Marketing (distribution) systems Definitions 0250) Producers and general rules of agency Producer regulation Insuring agreement or clause Insurer as principal Fiduciary and trust account Additional/supplementary coverage responsibilities (ORS 744.083; OAR Producer/insurer relationship Conditions 836-074-0020 to 0050) Authority and powers of producer Exclusions Place of business/records Express maintenance (ORS 744.068) Endorsements Controlled business (ORS 746.065, Implied Common policy provisions .160) Apparent Insureds — named, first named and Commissions (ORS 744.076, .077; Responsibilities to the applicant/insured OAR 836-071-0269–0277) additional Contracts Fees (ORS 744.076, .077; OAR 836- Policy period 071-0260 to 0277) Elements of a legal contract Policy territory

31 Cancellation and nonrenewal Personal injury Coverage form sections Deductibles Identify theft Covered autos Other insurance Auto Insurance 14% Liability coverage Concurrent Laws Garage keeper’s coverage Primary and excess Oregon Motor Vehicle Financial Trailer interchange coverage Responsibility Law Limits of liability Physical damage coverage Required motor vehicle limits of Per occurrence (accident) liability (ORS 806.070, .075) Exclusions Per person Other ways to prove responsibility Conditions (ORS 806.011, .060, .080) Aggregate—general versus products— Definitions completed operations Personal injury protection (ORS 742.518–.544) Selected endorsements Split Medical Lessor — additional insured and loss Combined single payee Loss of income Policy limits Mobile equipment Funeral Named insured provisions Auto medical payments Essential services coverage/personal injury protection Duties after loss Exclusions from coverage Drive other car coverage Assignment Arbitration Individual named insured Insurer provisions Day Care Suspension of coverage Liberalization Uninsured/underinsured motorist (ORS Commercial carrier regulations Subrogation 742.500–.510) The Motor Carrier Act of 1980 Duty to defend Definitions Endorsement for motor carrier Oregon laws, regulations and required Bodily injury policies of insurance for public provisions Property damage liability (MCS-90) Oregon Insurance Guaranty Association Commercial Package Policy (CPP) 10% (ORS 734.510–.710) Required limits Cancellation and nonrenewal Aftermarket Crash Parts Act (ORS Components of a commercial policy Commercial liability (ORS 742.700– 746.287, .289, .292) Common policy declarations .710) Credit History (ORS 746.661 (6)) Common policy conditions Total Loss (ORS 742.554, 801.527, Property (ORS 742.224, 746.686-687) Interline endorsements 819.014), (OAR 836.080.0240) - GINA IS Automobile (ORS 742.560-.572) NOT SURE IF THIS IS RELEVANT FOR A One or more coverage parts Binders (ORS 742.043) PRODUCER Commercial general liability Rates (ORS 737.025, .310; OAR 836-010- Personal auto policy Commercial general liability coverage 0011) Definitions forms Policy forms (ORS 742.003, .005) Bodily injury and property damage Liability coverage Suit against insurer (ORS 742.240) liability Bodily injury and property damage Concealment, misrepresentation or fraud Personal and advertising injury (ORS 742.013, .208, .562(1)(b), Supplementary payments liability .702(1)(b); 746.075, .100, .110) Exclusions Medical payments Unfair discrimination (ORS Medical payments coverage Supplementary payments 746.015,.018, .240) Who is an insured Federal Terrorism Insurance Program Coverage for damage to your auto (15 USC 6701; Public Law 109–144, 110– Collision Limits of insurance 160) Other than collision (comprehensive) Conditions Homeowners Policy 10% Deductibles Definitions Coverage forms Exclusions Exclusions HO-2 through HO-6 Rental Reimbursement Occurrence versus claims-made HO-8 Duties after an accident or loss Trigger Definitions General provisions Retroactive date Section II — Liability coverages Extended reporting periods — basic Selected endorsements Coverage E — Personal liability versus supplemental Amendment of policy provisions — Claim information Coverage F — Medical payments to Oregon others Towing and labor costs Premises and operations Additional coverages Extended non-owned coverage — Products and completed operations Exclusions vehicles furnished or available for Insured contract defined/contractual Conditions regular use liability Selected endorsements Miscellaneous type vehicle Pollution liability coverage form Special provisions — Oregon Joint ownership coverage Commercial crime Limited fungi, wet or dry rot, or Commercial auto General definitions bacteria coverage Commercial auto coverage forms Burglary Permitted incidental occupancies — Business auto Theft residence premises — Oregon Home day care — Oregon Garage Robbery Business pursuits Business auto physical damage Crime coverage forms Commercial crime coverage forms Watercraft Motor carrier (discovery/loss sustained)

32 Government crime coverage forms Part One — Workers' compensation Renewal and nonrenewal (ORS (discovery/loss sustained) insurance 744.072, .074) OAR 836-071-0146) Coverages Part Two — Employers liability Continuing education requirements insurance (ORS 744.072(4); OAR 836-071-0215 to Employee theft Part Three — Other states insurance 0250) Forgery or alteration Part Four — Your duties if injury occurs Reinstatement (ORS 744.018, .072(6)) Inside the premises — theft of money Assumed business name (ORS Part Five — Premium and securities 744.028(2),.068) Inside the premises — robbery or safe Part Six — Conditions Change of address or telephone burglary of other property Selected endorsement number (ORS 744.028(1), .068) Outside the premises Voluntary compensation Reporting of actions (ORS 744.089) Computer fraud Premium computations Disciplinary actions Funds transfer fraud Job classification Cease and desist orders (ORS 731.252) Money orders and counterfeit money License probation, suspension, Rates Other crime coverages revocation or refusal to issue or renew Payroll (ORS 744.074) Extortion — commercial entities Adjustment upon audit Civil penalty (ORS 731.988) Guests' property Experience modification factor Criminal penalty (ORS 731.992) Identify theft/data breach Premium discounts State regulation Farm coverage Other sources of coverage Director's enforcement authority (ORS Farm liability coverage form ('06) Oregon Workers' Compensation Fund 731.256) Coverage H — Bodily injury and Insurance Plan (ORS 656.730; OAR 836- Director's inquiries (ORS 731.296) property damage liability 043-0001–0091) Company regulation Coverage I — Personal and advertising Self-insured employers and employer Producer appointment (ORS 744.078) injury liability groups (ORS 656.403, .407) Termination of appointment (ORS Coverage J — Medical payments Other Coverages and Options 8% 744.079, .081) Definitions Umbrella/excess liability policies Unfair claim settlement practices (ORS Exclusions Personal 746.230; OAR 836-080-0205 to 0250) Limits Commercial Producer regulation Additional coverages Specialty liability insurance Fiduciary and trust account Businessowners Policy 10% responsibilities (ORS 744.083; OAR Errors and omissions 836-074-0020 to 0050) Characteristics and purpose Directors and officer’s liability Place of business/records maintenance Businessowners Section II — Liability Fiduciary liability (ORS 744.068) Coverages Controlled business (ORS 746.065, Liquor liability .160) Exclusions Employment practices liability Commissions (ORS 744.076, .077; OAR Who is an insured Surplus lines (ORS Sec. 735.410, .415) 836-071-0269–0277) Limits of insurance Fees (ORS 744.076, .077; OAR 836-071- Definitions and markets 0260 to 0277) General conditions Licensing requirements Unfair trade practices Definitions Surety bonds Misrepresentation (ORS 746.075, .100) Businessowners Section III — Common Principal, obligee and surety False advertising (ORS 746.110; OAR Policy Conditions 836-080-0155) Selected endorsements Contract bonds License and permit bonds Rebating (ORS 746.045) Hired auto and non-owned auto liability Unfair discrimination (ORS 746.015; Workers' Compensation Insurance 13% Judicial bonds OAR 836-081-0005, 0010, 0020, 0030)

Workers' compensation laws Illegal inducement (ORS 746.035)

Type of law Examination of records (ORS 744.068(2, PRODUCERS EXAMINATION FOR PERSONAL 3)) Monopolistic versus competitive LINES INSURANCE Privacy of Consumer Information (ORS Compulsory versus elective SERIES 12-14 746.600, .620, .630, .665; OAR 836-080- Oregon Workers' Compensation Law 0501 to 836-080-0551) (ORS Chapter 656) 100 questions – 2 hour time limit Federal regulation Exclusive remedy (ORS 656.018) Fair Credit Reporting Act (15 USC 1681 to Employment covered (required, Insurance Regulation 10% 1681d) voluntary, leased) (ORS 656.017, Licensing Fraud and false statements including .023, .027–.041) 1033 waiver (18 USC 1033, 1034) Purpose Covered injuries (ORS 656.005(7)) General Insurance 10% Process (ORS 744.058, .059, .062) Occupational disease (ORS 656.802– Concepts Types of licensees .804) Risk management key terms Benefits provided (ORS 656.202, .204, Producers (ORS 744.052, .053, .206, .208, .210, .211, .212, .214, 731.104) Risk .216, .245, .258) Consultants (ORS 744.605, .609, .626; Exposure Workers' Compensation Handicapped OAR 836-071-0150) Hazard Workers Program (ORS 656.628) Adjusters (ORS 744.531) Workers' compensation and employers Peril Nonresidents (ORS 744.063) liability insurance policy Loss Temporary (ORS 744.073) General section Methods of handling risk Maintenance and duration

33 Avoidance Function Split Retention Loss ratio Combined single Sharing Rates Policy limits Reduction Types Restoration/nonreduction of limits Transfer Loss costs Coinsurance Elements of insurable risks Components Vacancy or unoccupancy Adverse selection Hazards Named insured provisions Law of large numbers Physical Duties after loss Reinsurance Moral Assignment Insurers Morale Abandonment Types of insurers Negligence Insurer provisions Stock companies Elements of a negligent act Liberalization Mutual companies Defenses against negligence Subrogation Fraternal benefit societies Damages Salvage Reciprocals Compensatory — economic versus non- Claim settlement options economic Lloyd's associations Duty to defend Punitive Risk retention groups Third-party provisions Absolute liability Private versus government insurers Standard mortgage clause Strict liability Admitted versus nonadmitted insurers Loss payable clause Vicarious liability Domestic, foreign and alien insurers No benefit to the bailee Causes of loss (perils) Financial status (independent rating Oregon laws, regulations and required services) Named perils versus special (open) perils provisions Marketing (distribution) systems Direct loss Oregon Insurance Guaranty Association (ORS 734.510–.710) Producers and general rules of agency Consequential or indirect loss Cancellation and nonrenewal Insurer as principal Blanket, specific insurance, and margin clause Property (ORS 742.224, 746.686-687) Producer/insurer relationship Basic types of construction Automobile (ORS 742.560-.572) Authority and powers of producer Loss valuation Binders (ORS 742.043) Express Actual cash value Rates (ORS 737.025, .310; OAR 836-010- Implied 0011) Replacement cost Apparent Policy forms (ORS 742.003, .005) Functional replacement cost Responsibilities to the applicant/insured Suit against insurer (ORS 742.240) Market value Contracts Concealment, misrepresentation or fraud Agreed value (ORS 742.013, .208, .562(1)(b), .702(1)(b); Elements of a legal contract Stated amount 746.075, .100, .110) Offer and acceptance Unfair discrimination (ORS 746.015,.018, Valued policy Consideration .240) Policy structure Competent parties Federal Terrorism Insurance Program (15 Declarations USC 6701; Public Law 109–144, 110–160) Legal purpose Definitions Dwelling Policy 13% Distinct characteristics of an insurance contract Insuring agreement or clause Characteristics and purpose Contract of adhesion Additional/supplementary coverage Coverage forms — Perils insured against Aleatory contract Conditions Basic — Oregon Personal contract Exclusions Broad Unilateral contract Endorsements Special Conditional contract Common policy provisions Property coverages Legal interpretations affecting contracts Insureds — named, first named and Coverage A — Dwelling additional Ambiguities Coverage B — Other structures Policy period Reasonable expectations Coverage C — Personal property Policy territory Indemnity Coverage D — Fair rental value Cancellation and nonrenewal Utmost good faith Coverage E — Additional living expense Deductibles Representations/misrepresentations Other coverages Other insurance Warranties General exclusions Concurrent Concealment Conditions Primary and excess Fraud Selected endorsements Limits of liability Waiver and estoppel Special provisions — Oregon Per occurrence (accident) Property and Casualty Insurance Basics 26% Automatic increase in insurance Per person Principles and concepts Broad theft coverage Aggregate—general versus products— Dwelling under construction Insurable interest completed Underwriting operations Personal liability supplement

34 Homeowners Policy 19% Definitions Prior experience Coverage forms Liability coverage Maintenance and duration HO-2 through HO-6 Bodily injury and property damage Renewal (ORS 744.072) HO-8 Supplementary payments Definitions Exclusions Change of address (ORS 744.068(4)) Assumed business names (ORS Section I — Property coverages Medical payments coverage 744.068(1)) Coverage A — Dwelling Coverage for damage to your auto Continuing education requirements Coverage B — Other structures Collision (ORS 744.072(4,5)) Coverage C — Personal property Other than collision (comprehensive) Disciplinary actions Coverage D — Loss of use Deductibles Hearings (ORS 731.240) Additional coverages Exclusions Cease and desist order (ORS 731.248, Section II — Liability coverages Rental Reimbursement .252) Suspension, revocation, or refusal to Coverage E — Personal liability Duties after an accident or loss renew (ORS 735.480, 744.074) Coverage F — Medical payments to others General provisions Penalties (ORS 735.485, .490) Additional coverages Selected endorsements Reinstatement (ORS 744.072(6)) Perils insured against Amendment of policy provisions — Oregon Exclusions State regulation Towing and labor costs Director's general duties and powers Conditions Extended non-owned coverage — (ORS 731.236, 735.420, .475) Selected endorsements vehicles furnished or available for Unfair trade practices Special provisions — Oregon regular use Misrepresentation (ORS 746.075, Limited fungi, wet or dry rot, or bacteria Miscellaneous type vehicle .100) coverage Joint ownership coverage False advertising (ORS 746.110; OAR Earthquake Other Coverages and Options 6% 836-080-0155) Scheduled personal property Umbrella/excess liability policies Rebating (ORS 746.045) Unfair discrimination (ORS 746.015; Personal property replacement cost Personal Permitted incidental occupancies — OAR 836-081-0005 and 0010, 0020, National Flood Insurance Program residence premises — Oregon 0030) Write your own versus government Home day care — Oregon Illegal inducement (ORS 746.035) Business pursuits Eligibility Suitability (OAR 836-080-0001–0043, 836-080-0090) Watercraft Coverage Examination of records (ORS Limits Personal injury 744.068(2,3)) Identify theft Deductibles Privacy of Consumer Information (ORS 746.620, .630, .665) Auto Insurance 16% Other policies Laws Boatowners General Insurance 8% Oregon Motor Vehicle Financial Difference in conditions Concepts Responsibility Law Recreational vehicles Required motor vehicle limits of liability Risk management key terms Residual markets (ORS 806.070, .075) Risk Other ways to prove responsibility Oregon FAIR Plan Association (ORS (ORS 806.011, .060, .080) 735.005, .015, .045) Exposure

Personal injury protection (ORS 742.518– Hazard .544) Medical PRODUCERS EXAMINATION FOR SURPLUS Peril LINES INSURANCE Loss of income SERIES 12-05 Loss Funeral Methods of handling risk Essential services 50 questions – 1 hour time limit Avoidance Exclusions from coverage Retention Arbitration Insurance Regulation 12% Day Care Sharing Licensing regulation for surplus lines Uninsured/underinsured motorist (ORS Reduction 742.500–.510) Purpose (ORS 735.400) Transfer Definitions Definitions (ORS 731.066, .144, 744.052) Bodily injury Elements of insurable risks Property damage Types of licensees Adverse selection Required limits Individuals (ORS 735.450(1), 744.053) Law of large numbers Aftermarket Crash Parts Act (ORS Business entity (ORS 731.116) Reinsurance 746.287, .289, .292) Nonresident (ORS 735.450(2), Credit History (ORS 746.661) 744.063) Insurers Total Loss (ORS 742.554, 801.527, Licensing requirements (ORS Types of insurers 819.014), (OAR 836.080.0240) 735.450(1,2), .455; OAR 836-071-0500) Stock companies Personal auto policy Current license Mutual companies

35 Purchasing groups (ORS 735.410, .415, Fraternal benefit societies Renewal (ORS 744.008, .009(1)) .470) Self-insurers Expiration (ORS 744.007) Eligible surplus lines insurers Surplus lines Requirements (ORS 735.410, .415, Nonrenewal (ORS 744.009(2)) .470) Private versus government insurers Ineligibility of Surplus Lines Insurers Notification of change, deletion, or Admitted versus nonadmitted insurers (ORS 735.420) addition of an assumed business Service of process (ORS 735.425, .485, name (ORS 744.028(2)) Domestic, foreign and alien insurers .490) Change of address or telephone Financial status (independent rating number (ORS 744.028(1)) services) Financial Integrity (ORS 735.415) Disciplinary actions Marketing (distribution) systems Surplus lines coverages Cease and desist orders (ORS Producers and general rules of agency Characteristics and uses 731.252) Types of coverages available (ORS Sec. License probation, suspension, Insurer as principal 731.144; 735.410) revocation or refusal to issue or Producer/insurer relationship Requirements for placement of surplus renew (ORS 744.013, .014) lines insurance Authority and powers of producer Civil penalty (ORS 731.988) Diligent search (ORS 735.410, .425) Express Criminal penalty (ORS 731.992) Statements (ORS 735.425, .435) Implied Claim settlement laws and regulations Notice to insured (ORS 735.435) Director's enforcement authority (ORS Apparent Oregon Insurance Guaranty Association 731.256) Responsibilities to the (ORS 734.510–.710) applicant/insured Director's inquiries (ORS 731.296) Evidence of insurance (ORS 735.435) Unfair claim settlement practices (ORS Contracts 746.230; OAR 836-080-0205 to 0250) Binding authority (ORS 735.435) Misrepresentation and other prohibited Elements of a legal contract Records of licensee claim practices (OAR 836-080-0220) Offer and acceptance Required claim communications Content of records (ORS 735.460) practices (OAR 836-080-0225) Consideration Record Maintenance (ORS 735.460) Standard for prompt claim Competent parties investigation (OAR 836-080-0230) Reporting (ORS 735.425, .465) Standard for prompt and fair Legal purpose Surplus lines tax (ORS 735.470, .475) settlements (OAR 836-080-0235) Distinct characteristics of an insurance Adjustment of claims under policy contract Amount (ORS Sec. 735.470) issued by unauthorized insurer (ORS 744.541) Contract of adhesion Collection (ORS Sec. 735.470, .475) Federal regulation Aleatory contract Remittance (ORS Sec. 735.470) Fair Credit Reporting Act (15 USC 1681 Nonadmitted and Reinsurance Reform Personal contract to 1681d) Act (NRRA) of 2010 Unilateral contract Fraud and false statements 18 USC Purpose 1033, 1034) Conditional contract Legal interpretations affecting Independently procured insurance Health Insurance 17% (17 items) Suspension, revocation, or refusal to contracts Types of products and benefits renew (ORS 735.480) Ambiguities in a contract of adhesion Function of the Surplus Line Association Loss of income from disability Reasonable expectations (ORS 735.430, .455) Medical and surgical (OAR 836-053; Title 45) Indemnity Utmost good faith ADJUSTERS EXAMINATION FOR HEALTH Dental (ORS 743A.032) INSURANCE Long-term care (ORS 743B.005, Representations/misrepresentations SERIES 12-06 743.650; OAR 836-052-0516) Warranties Accident (ORS 743B) Concealment 100 questions – 2 hour time limit Disability Fraud Insurance Regulation 10% (10 items) Student health (ORS 743.550) Waiver and estoppel Surplus Lines Markets and Practices 80% Licensing requirements (ORS 744.505) Blanket (ORS 743.536) (40 items) Licensing exceptions (ORS 744.515) Vision United States nonadmitted market Qualifications (ORS 744.002, .525) Types of health insurance policies Insurance exchanges (ORS 735.415) Types of licensees Foreign nonadmitted market (ORS Individual versus group 735.415) General lines adjuster (ORS 744.531) Private versus government Nonresident adjuster (ORS 744.528, Alien insurers .538) Limited versus comprehensive London market (ORS Sec. 735.415) Temporary adjuster permit (ORS Self-insured versus fully insured 744.555) Underwriters (ORS Sec. 735.415) On exchange/off exchange Maintenance and duration Other alien markets (ORS Sec. 735.415) Director's general duties and powers Small group and large group (ORS 731.236) Alternative markets Primary or supplemental

36 Other provisions affecting income Policy exclusion provisions Eligibility requirements benefits Individual underwriting on Newborn child coverage (ORS Cost of living adjustment (COLA) grandfathered plans 743A.090) rider Dependent child age limit (ORS Pre-existing conditions Future increase option (FIO) rider 743A.090) Creditable coverage Relation of earnings to insurance Coverage for adopted children (ORS (ORS 743.465) 743A.090) Benefits, limitations and exclusions Health Care Reform (Affordable Care Other cash benefits Producer liability for errors and Act) omissions Accidental death and Individual Health Insurance Policy dismemberment Essential Health Benefits General Provisions 13% (13 items) Rehabilitation benefit Levels of Coverage Uniform required provisions Medical reimbursement Payment and Billing benefit(nondisabling injury) Incontestability (ORS 743.414, .472) Internal Appeal and External Review Exclusions as the policy lists Grace period (ORS 743.417) Unique aspects of individual disability Penalties and Fines Reinstatement (ORS 743.420) underwriting Oregon's Health Insurance Exchange/Marketplace Uniform optional provisions Occupational considerations Definition Change of occupation (ORS 743.450) Benefit limits Misstatement of age (ORS 743.453, Policy issuance alternatives and Medicaid .489) medical underwriting Eligibility Other general provisions Group disability income insurance Benefits Right to examine (free look) (ORS Short-term disability (STD) 743.492) Subsidies/Tax Credits Long-term disability (LTD) HIPAA (Health Insurance Portability and Consideration clause Accountability Act) requirements Business disability insurance Legal actions (ORS 743.441) Key employee (partner) disability Eligibility income Conformity with state statutes (ORS Guaranteed issue 743.474) Disability buy-sell policy Renewability clause (ORS 743.495, Creditable coverage .498, 743B.125(5)) Social Security disability Renewability Noncancelable Qualification for disability benefits Group Health Insurance 12% (12 items) Guaranteed renewable Definition of disability Purpose of group insurance (ORS 743B.003(1) -(8)) Waiting period Conditionally renewable Issuance of group contract (ORS Renewable at option of insurer Disability income benefits 743B.010) Nonrenewable (cancelable, term) Workers compensation Provisions of coverage (ORS 743B.011) Experience rating versus community Disability Income and Related Insurance Eligibility 10% (10 items) rating Medical Plans 10% (10 items) Qualifying for disability benefits Types of eligible groups Medical plan concepts Employment-related groups (ORS Inability to perform duties Fee-for-service basis versus prepaid 743B.010) Own occupation basis Multiple-Employer Trusts (METs) or Benefit schedule versus Welfare Arrangements (MEWAs) (ORS Any occupation usual/reasonable/customary charges 750.301) Loss of income (income replacement Any provider versus limited choice of Self-Funded groups contracts) providers Associations (alumni, professional, Insureds versus Presumptive disability other) Requirement to be under physician subscribers/participants Marketing considerations care Deductibles and cost sharing Advertising Individual disability income insurance Types of providers and plans Regulatory jurisdiction/place of Major medical insurance (indemnity Basic total disability plan delivery plans) Income benefits (monthly indemnity) Employer group health insurance Characteristics and plan provisions Elimination and benefit periods Insurer underwriting criteria Managed Care Waiver of premium feature Characteristics of group Coordination with social insurance and Preferred provider organizations (PPOs) workers compensation benefits and at- General characteristics and plan Plan design factors provisions work benefits Persistency factors Open panel or closed panel Additional monthly benefit (AMB) Administrative capability Social insurance supplement (SIS) Point-of-service (POS) Eligibility for insurance (ORS 743B.105(4), (5)) Occupational versus nonoccupational Out-of-network provider access coverage Employee eligibility Primary Care Physician (PPO) Partial disability benefit Oregon requirements (individual and Dependent eligibility Residual disability benefit group) Coordination of benefits provision (OAR 836-020-0770–0806)

37 Change of insurance companies or loss Oregon regulations and required Exclusions of coverage provisions Claims terminology and other key Training for insurance producers No-loss no-gain terms (OAR 836-052-0639) Events that terminate coverage Part C — Medicare Advantage Standards for marketing (OAR 836- 052-0706) Extension of benefits Part D — Prescription Drug Insurance Continuation of coverage under Advertising (OAR 836-052-0696) Medicare supplements COBRA and Oregon rules (ORS 743B.347; Shopper's guide (OAR 836-052-0786) OAR 836-052-0860) Purpose (OAR 836-052-0103) Outline of coverage (ORS 743.655(7); Conversion rights (ORS 743B.343 – OAR 836-052-0776) .345) Open enrollment (OAR 836-052-0138) Standardized Medicare supplement Appropriateness of recommended Small employer medical plans plans purchase Definition of small employer (ORS Right to return (free look) (ORS 743B.005 ) Core benefits (OAR 836-052-0133) 743.655(6)) Basic coverage (ORS 743B.005 Additional benefits Replacement (OAR 836-052-0626, ,743B.012) Oregon regulations and required 0736) Availability of coverage (ORS 743B.104) provisions Renewal provisions Renewability of coverage (ORS Standards for marketing (OAR 836- Continuation or conversion 743B.013 (5)) 052-0175) Required disclosure provisions (OAR Participation requirements (ORS Advertising (ORS 743.687; OAR 836- 836-052-0716) 743B.013(7)) 052-0170) Inflation protection (OAR 836-052- Open enrollment Appropriateness of recommended 0616) Purchase policy through purchase and excessive insurance Pre-existing conditions (ORS exchange/marketplace (ORS 743B.010) (OAR 836-052-0180) 743.655(3)) Right to return (free look) (ORS Protection against unintentional Small group tax credits 743.686) lapse (OAR 836-052 0740(7); 836-052- Dental Insurance 5% (5 items) Replacement (ORS 743B.300); OAR 536(a)(b)) 836-052-0165, 0190) Partnership provisions (OAR 836-052- Pediatric Care (Affordable Care Act) Pre-existing conditions (OAR 836- 0531) 052-0190) Family care Prohibited provisions Required disclosure provisions (ORS Federal Tax Considerations for Health Adult care 743.685;OAR 836-052-0160) Insurance 3% (3 items) Categories of dental treatment Outline of coverage (ORS 743.685(2);OAR 836-052-0160, 0190) Personally-owned health insurance Diagnostic and preventive Buyer's guide (ORS 743.685(6)) Disability income insurance Restorative Permitted compensation (OAR 836- Medical expense insurance Oral surgery 052-0156) Long-term care insurance Endodontics Medicare SELECT (OAR 836-052-0139) Other options for individuals with Employer group health insurance Periodontics Medicare Disability income (STD, LTD) Prosthodontics Employer group health plans Benefits subject to FICA Orthodontics Disabled employees Medical and dental expense Access to Dental Coverage Employees with kidney failure Long-term care insurance Choice of providers Individuals age 65 and older Accidental death and dismemberment Scheduled versus nonscheduled plans Medicaid Medical expense coverage for sole Employer group dental expense Eligibility proprietors and partners Integrated deductibles versus stand- Business disability insurance alone plans Benefits Key person disability income Minimizing adverse selection Long-Term Care (LTC) policies Insurance for Senior Citizens and Definitions (ORS 743.650 to .665) Buy-sell policy Special Needs Individuals 10% (10 Health Savings Accounts (HSAs) and items) Eligibility for benefits Health Reimbursement Accounts (HRAs) Medicare Benefit triggers (ORS 743.652(2)) Definition Activities of daily living requirements Nature, financing and administration (OAR 836-052-0516(1)) Eligibility Part A — Hospital Insurance Covered services (OAR 836-052-0596) Contribution limits Individual eligibility requirements Benefit periods (ORS 743.665(5)) Portability Understanding the Language of Medical Enrollment Benefit amounts (OAR 836-052-0586) Reports 10% (10 items) Coverages and cost-sharing amounts Optional benefits Medical terminology and abbreviations Part B — Medical Insurance Guarantee of insurability Location terms Individual eligibility requirements Return of premium (ORS 743.665(E)) Movement terms Enrollment Qualified LTC plans (OAR 836-052-0531) Prefixes, suffixes and root words Coverages and cost-sharing amounts Exclusions Abbreviations used in medical reports

38 contract Medical specialties Insurance Regulation 10% Licensing requirements (ORS 744.505) Contract of adhesion Basic human anatomy Licensing exceptions (ORS 744.515) Aleatory contract Skeletal structure Qualifications (ORS 744.002, .525) Personal contract Nervous system Types of licensees Unilateral contract Respiratory system General lines adjuster (ORS 744.531) Conditional contract Cardiovascular system Nonresident adjuster (ORS 744.528, Legal interpretations affecting contracts .538) Ambiguities Abdominal organs Temporary adjuster permit (ORS 744.555) Reasonable expectations Injuries and diseases Maintenance and duration Indemnity Strains and sprains Renewal (ORS 744.008, .009(1)) Utmost good faith Dislocations Expiration (ORS 744.007) Representations/misrepresentations Fractures Nonrenewal (ORS 744.009(2)) Warranties Soft tissue injuries Notification of change, deletion, or Concealment addition of an assumed business Fraud Brain injuries name (ORS 744.028(2)) Change of address or telephone Waiver and estoppel Burn classifications number (ORS 744.028(1)) Principles and concepts Cumulative trauma Disciplinary actions Insurable interest Repetitive motion injuries Cease and desist orders (ORS Hazard 731.252) Lung disease License probation, suspension, Physical Diabetes mellitus revocation or refusal to issue or Moral renew (ORS 744.013, .014) Morale Glaucoma Civil penalty (ORS 731.988) Negligence Hypertension Criminal penalty (ORS 731.992) Elements of a negligent act Claim settlement laws and regulations Osteoarthritis Defenses against negligence Director's enforcement authority (ORS Osteomyelitus 731.256) Damages Osteoporosis Director's inquiries (ORS 731.296) Compensatory — economic versus non- economic Stroke Unfair claim settlement practices (ORS 746.230; OAR 836-080-0205 to 0250) Punitive Tachycardia Misrepresentation and other prohibited Absolute liability claim practices (OAR 836-080-0220) Atherosclerosis Strict liability Required claim communications Vicarious liability Coronary thrombosis practices (OAR 836-080-0225) Standard for prompt claim investigation Causes of loss (perils) Medical tests (OAR 836-080-0230) Named perils versus special (open) perils Laboratory Standard for prompt and fair settlements General (OAR 836-080- Direct loss Radiography (X-ray) 0235) Consequential or indirect loss Magnetic resonance imaging (MRI) Standard for auto total loss (OAR 836- Blanket, specific insurance, and margin 080-0240) clause Computerized tomography (CT or CAT) Adjustment of claims under policy Basic types of construction issued by unauthorized insurer (ORS Electromyography (EMG) Loss valuation 744.541) Nerve conduction studies Regulation for automobile insurance Actual cash value claims Myelography Replacement cost Designation of repair shop prohibited Functional replacement cost Arthroscopy (ORS 746.280, .290) Proof and amount of loss determination Market value Electrocardiogram (EKG or ECG) (ORS 746.295) Agreed value Liability for damages; attorney fees Electroencephalography (EEG) Stated amount (ORS 746.300) Valued policy Federal regulation Fair Credit Reporting Act (15 USC 1681 Policy structure to 1681d) Declarations Fraud and false statements including Definitions 1033 waiver (18 USC 1033, 1034) Insuring agreement or clause Insurance Basics 14% Additional/supplementary coverage Contracts Conditions Elements of a legal contract Exclusions ADJUSTERS EXAMINATION FOR GENERAL Offer and acceptance Endorsements LINES INSURANCE Consideration SERIES 12-07 Common policy provisions Competent parties Insureds — named, first named and 150 questions – 2 hours and 40 minute time Legal purpose additional limit Distinct characteristics of an insurance Policy period

39 Policy territory Abandonment HO-8 Cancellation and nonrenewal Determining value and loss Definitions Deductibles Burden of proof of value and loss Section I — Property coverages Other insurance Estimates Coverage A — Dwelling Concurrent Depreciation Coverage B — Other structures Primary and excess Salvage Coverage C — Personal property Pro rata Claim settlement options Coverage D — Loss of use Contribution by equal shares Payment and closure Additional coverages Limits of liability Liability losses Section II — Liability coverages Per occurrence (accident) Investigation procedures Coverage E — Personal liability Per person Verify coverages Coverage F — Medical payments to others Aggregate — general versus products — Determine liability completed operations Additional coverages Gathering evidence Split Perils insured against Physical evidence Combined single Exclusions Witness statements Policy limits Conditions Determining value of intangible Restoration/nonreduction of limits damages Selected endorsements Coinsurance Coverage problems Special provisions Vacancy or unoccupancy Dealing with coverage disputes Limited fungi, wet or dry rot, or bacteria coverage Assignment Reservation of rights letter Earthquake Insurer provisions Nonwaiver agreement Scheduled personal property Liberalization Declaratory judgment action Personal property replacement cost Duty to defend Claims adjustment procedures Permitted incidental occupancies — Third-party provisions Settlement procedures residence premises Standard mortgage clause Advance payments Home day care — Oregon Loss payable clause Draft authority Business pursuits No benefit to the bailee Execution of releases Watercraft Oregon laws, regulations and required Subrogation procedures Personal injury provisions Alternative dispute resolution Identify theft Oregon Insurance Guaranty Association (ORS 734.510 to .710) Appraisal Auto Insurance 14% Cancellation and nonrenewal Arbitration Laws Commercial liability (ORS 742.700 to Competitive estimates Oregon Motor Vehicle Financial .710) Responsibility Law Mediation Property (ORS 742.224, 746.686-687) Required motor vehicle limits of Negotiation liability (ORS 806.070, .075) Automobile (742.560-.572) Dwelling Policy 8% Other ways to prove responsibility Suit against insurer (ORS 742.240) Characteristics and purpose (ORS 806.011, .060, .080) Concealment, misrepresentation or fraud Personal injury protection (ORS (ORS 742.013, .208, .562(1)(b), Coverage forms — Perils insured against 742.518–.544) .702(1)(b); 746.075, .100, .110) Basic Medical Adjusting Losses 23% Broad Loss of income Role of the adjuster Special Funeral Duties and responsibilities Property coverages Essential services Staff and independent adjuster versus Coverage A — Dwelling Exclusions from coverage public adjuster Coverage B — Other structures Relationship to legal profession Arbitration Coverage C — Personal property Claim reporting Day Care Coverage D — Fair rental value Uninsured/underinsured motorist (ORS Claim investigation Coverage E — Additional living expense 742.500–.510) Claim file documentation of events Definitions Other coverages Types of reports Bodily injury General exclusions Initial or first field Property damage Conditions Interim or status Required limits Selected endorsements Full formal Aftermarket Crash Parts Act (ORS Special provisions Property losses 746.287, .289, .292) Automatic increase in insurance Total Loss (ORS 742.554, 801.527, Duties of insured after a loss Broad theft coverage 819.014), (OAR 836.080.0240) Notice to insurer Personal auto policy Dwelling under construction Minimizing the loss Definitions Personal liability supplement Proof of loss Liability coverage Homeowners Policy 9% Special requirements Bodily injury and property damage Coverage forms Production of books and records Supplementary payments HO-2 through HO-6

40 Exclusions One or more coverage parts (discovery/loss sustained) Medical payments coverage Commercial general liability Coverages Coverage for damage to your auto Commercial general liability coverage Employee theft forms Collision Forgery or alteration Bodily injury and property damage Other than collision (comprehensive) liability Inside the premises — theft of money and securities Deductibles Personal and advertising injury liability Inside the premises — robbery or safe Exclusions burglary of other property Medical payments Rental Reimbursement Outside the premises Supplementary payments Duties after an accident or loss Computer fraud Who is an insured General provisions Funds transfer fraud Limits of insurance Selected endorsements Money orders and counterfeit money Conditions Amendment of policy provisions Other crime coverages Definitions Towing and labor costs Extortion — commercial entities Exclusions Extended non-owned coverage — Lessees of safe deposit boxes vehicles furnished or available for Occurrence versus claims-made Securities deposited with others regular use Trigger Guests' property Miscellaneous type vehicle Retroactive date Safe depository Joint ownership coverage Extended reporting periods — basic Commercial auto versus supplemental Identify theft/data breach Commercial auto coverage forms Claim information Commercial inland marine Business auto Premises and operations Nationwide marine definition Commercial inland marine conditions Garage Products and completed operations Insured contract defined/contractual form Business auto physical damage liability Inland marine coverage forms Motor carrier Owners and contractors protective Accounts receivable liability coverage form Coverage form sections Bailee's customer Pollution liability Covered autos Commercial articles Pollution liability coverage form Liability coverage Contractors equipment floater Garage keeper’s coverage Pollution liability limited coverage form Electronic data processing Trailer interchange coverage Pollution liability coverage Equipment dealers Physical damage coverage extension endorsement Installation floater Commercial property Exclusions Jewelers block Commercial property conditions form Conditions Signs Coverage forms Definitions Valuable papers and records Building and personal property Selected endorsements Transportation coverages Condominium association Deductible liability Common carrier cargo liability Lessor — additional insured and loss Condominium commercial unit- Motor truck cargo forms payee owners Mobile equipment Builders risk Transit coverage forms Broad form products Business income Equipment breakdown Equipment breakdown protection False pretense coverage Legal liability coverage form Auto medical payments Extra expense Selected endorsement coverage/personal injury protection Causes of loss forms Drive other car coverage Actual cash value Basic Hired autos specified as covered Farm coverage Broad autos you own Farm property coverage form Special Individual named insured Coverage A — Dwellings Employees as insureds Selected endorsements Coverage B — Other private Pollution liability — broadened Ordinance or law structures coverage Spoilage Coverage C — Household personal property Suspension of coverage Peak season limit of insurance Coverage D — Loss of use Commercial carrier regulations Value reporting form Coverage E — Scheduled personal The Motor Carrier Act of 1980 Commercial crime property Endorsement for motor carrier General definitions Coverage F — Unscheduled farm policies of insurance for public personal property liability (MCS-90) Burglary Coverage G — Other farm structures Commercial Package Policy (CPP) 9% Theft Farm liability coverage form Components of a commercial policy Robbery Coverage H — Bodily injury and Common policy declarations Crime coverage forms property damage liability Common policy conditions Commercial crime coverage forms Coverage I — Personal and advertising (discovery/loss sustained) injury liability Interline endorsements Government crime coverage forms Coverage J — Medical payments

41 Mobile agricultural machinery and Fiduciary liability 744.028(2),.068) equipment coverage form Liquor liability Change of address or telephone Livestock coverage form Employment practices liability number (ORS 744.028(1), .068) Definitions Surplus lines (ORS Sec. 735.410, .415) Reporting of actions (ORS 744.089) Causes of loss (basic, broad and special) Definitions and markets Suitability (OAR 836-080-0090; OAR Conditions 836-080-0170 to 0190) Licensing requirements Exclusions Replacement (OAR 836-080-0001 to Surety bonds 0043) Limits Principal, obligee and surety Additional coverages Disciplinary actions Contract bonds Cease and desist orders (ORS Businessowners Policy 7% License and permit bonds 731.252) Characteristics and purpose Judicial bonds License probation, suspension, Businessowners Section I — Property Aviation insurance revocation or refusal to issue or Coverages renew (ORS 744.074) Aircraft hull Exclusions Aircraft liability Civil penalty (ORS 731.988) Limits Ocean marine insurance Criminal penalty (ORS 731.992) Deductibles Major coverages State regulation Loss conditions Hull insurance Director's enforcement authority (ORS General conditions Cargo insurance 731.256) Optional coverages Freight insurance Director's inquiries (ORS 731.296) Definitions Protection and indemnity Company regulation Businessowners Section II — Liability National Flood Insurance Program Unfair claim settlement practices Coverages (ORS 746.230; OAR 836-080-0205 to Write your own versus government Exclusions 0250) Eligibility Who is an insured Unfair trade practices Coverage Limits of insurance Misrepresentation (ORS 746.075, Limits .100) General conditions Deductibles False advertising (ORS 746.110; OAR Definitions 836-080-0155) Other policies Businessowners Section III — Common Boatowners Rebating (ORS 746.045) Policy Conditions Unfair discrimination (ORS 746.015; Selected endorsements Difference in conditions OAR 836-081-0005, 0010, 0020, Hired auto and non-owned auto liability Recreational vehicles 0030) Protective safeguards Residual markets Illegal inducement (ORS 746.035) Utility services — direct damage Joint Underwriting Association (ORS Examination of records (ORS 735.200-.260; 737.390) 744.068(2, 3)) Utility services — time element Oregon FAIR Plan Association (ORS Privacy of Consumer Information (ORS Workers' Compensation Insurance 2% 735.005, .015, .045) 746.600, .620, .630, .665; OAR 836- Workers' compensation laws 080-0501 to 836-080-0551)

Type of law Federal regulation Monopolistic versus competitive CONSULTANTS EXAMINATION FOR LIFE Fair Credit Reporting Act (15 USC 1681 INSURANCE Compulsory versus elective to 1681d) SERIES 12-08 Fraud and false statements including Oregon Workers' Compensation Law 1033 waiver (18 USC 1033, 1034) (ORS Chapter 656) 100 questions – 2 hour time limit Exclusive remedy (ORS 656.018) General Insurance 13% (13 items)

Federal workers' compensation laws Concepts Federal Employers Liability Act Insurance Regulation 15% (15 items) Risk management key terms (FELA) (45 USC 51–60) Licensing U.S. Longshore and Harbor Workers' Risk Compensation Act (33 USC 901–950) Purpose Exposure The Jones Act (46 USC 688) Process (ORS 744.058, .059, .062) Hazard Other sources of coverage Types of licensees Oregon Workers' Compensation Fund Producers (ORS 744.052, .053, Peril Insurance Plan (ORS 656.730; OAR 836- 731.104) Loss 043-0001–0091) Consultants (ORS 744.605, .609, Self-insured employers and employer .626; OAR 836-071-0150) Methods of handling risk groups (ORS 656.403, .407) Avoidance Other Coverages and Options 4% Adjusters (ORS 744.531) Umbrella/excess liability policies Nonresidents (ORS 744.063) Retention Personal Maintenance and duration Sharing Commercial Renewal and nonrenewal (ORS Reduction 744.072, .074) OAR 836-071-0146) Specialty liability insurance Reinstatement (ORS 744.018, Transfer Errors and omissions .072(6)) Elements of insurable risks Directors and officer’s liability Assumed business name (ORS

42 Adverse selection Personal uses of life insurance Statement of good health Law of large numbers Survivor protection Individual underwriting by the insurer Reinsurance Estate creation Information sources and regulation Insurers Cash accumulation Application (ORS 743.039, .318) Medical examinations and lab tests Types of insurers Liquidity (including HIV consent) (OAR 836-050- Stock companies Estate conservation 0250) Life settlements (ORS 744.318., .321, Selection criteria and unfair Mutual companies .323, .326,.328; OAR 836-014-0200– discrimination (OAR 836-081-0005, 0010) Fraternal benefit societies 0330) Sexual orientation prohibited (OAR 836- 050-0240) Reciprocals Determining amount of personal life Medical and lifestyle questions (OAR insurance Lloyd's associations 836-050-0245) Human life value approach Risk retention groups Prohibited discrimination (ORS 746.015) Needs approach Private versus government insurers Evidence of insurability (ORS 743.321) Types of information gathered Admitted versus nonadmitted insurers Incontestability (ORS 743.315) Determining lump-sum needs Suitability in the sale of life insurance Domestic, foreign and alien insurers (OAR 836-080-0090) Financial status (independent rating Planning for income needs services) Life Insurance Policies 12% (12 items) Business uses of life insurance Marketing (distribution) systems Term life insurance Buy-sell funding Producers and general rules of agency Level term Key person (ORS 743.228) Insurer as principal Annual renewable term Executive bonuses Producer/insurer relationship Level premium term Deferred compensation funding Authority and powers of producer Types of life insurance policies (ORS Decreasing term 731.102, .170) Whole life insurance Express Group and individual (ORS 731.150, Implied 743.303,) Continuous premium (straight life) Permanent, term, variable and annuities Limited payment Apparent (ORS 731.156, 743.245) Responsibilities to the applicant/insured Single premium Fixed versus variable life insurance and Flexible premium policies Contracts annuities including regulation of variable Elements of a legal contract products (SEC, FINRA, and Oregon) (ORS Adjustable life 733.220) Offer and acceptance Universal life Licensee responsibilities Specialized policies Consideration Solicitation and sales presentations (OAR Competent parties 836-051-0005–0020) Joint life (first-to-die) Legal purpose Advertising (ORS 746.075, .110, .115) Juvenile life Oregon Life and Health Insurance Distinct characteristics of an insurance Survivorship Life contract Guaranty Association (ORS 734.750–.890) Group life insurance Contract of adhesion Association (ORS 734.750–.890) Characteristics of group plans Aleatory contract Illustrations (OAR 836-051-0500–0600) Group underwriting requirements Policy summary Personal contract Conversion to individual policy(ORS Unilateral contract Buyer's guide 743.333–.339) Life insurance policy cost comparison Incontestability (ORS 743.315) Conditional contract methods Legal interpretations affecting contracts Replacement (ORS 746.085; OAR 836- Evidence of Insurability (ORS 743.321) 080- 0001–to 0043) Ambiguities in a contract of adhesion Misstatement of Age (ORS 743.324) Payments under the policy (ORS Use and disclosure of insurance Reasonable expectations 743.327) information (ORS 746.600 to .605, Termination of individual coverage (ORS Indemnity .610, .615 to .630, .635 to .660; OAR 743.333) 836-080-0430) Utmost good faith Continuing coverage (ORS 743.356) Field underwriting Representations/misrepresentations Prohibited sales practices (ORS 743.348) Notice of information practices Warranties Policies issued to trustees of certain Application procedures funds (ORS 743.354) Concealment Credit life insurance (individual versus Delivery Fraud group) Policy review Life Insurance Policy Provisions, Options Waiver and estoppel and Riders 10% (10 items) Effective date of coverage Life Insurance Basics 18% (18 items) Standard provisions Insurable interest (ORS 743.040, .038, Premium collection .044 ) Ownership

43 Qualified retirement plans including Assignment (ORS 743.043) Disability riders group versus individual annuities Entire contract (ORS 743.174) Waiver of premium Personal uses Modifications Waiver of cost of insurance Individual retirement annuities (IRAs) Right to examine (free look) Disability income benefit Tax-deferred growth Payor benefit life/disability (juvenile Payment of premiums (ORS 743.162) insurance) Retirement income Grace period (ORS 743.165) Accelerated (living) benefit Education funds Reinstatement (ORS 743.171) provision/rider (ORS 743.154; OAR 836- Living benefit riders Incontestability (ORS 743.168, .315) 051-0300–0380, 836-052–0646) Federal Tax Considerations for Life Misstatement of age and gender (ORS Qualifying events Insurance and Annuities 7% (7 items) 743.180) Disclosure Taxation of personal life insurance Exclusions Effect of benefit payment Amounts available to policyowner Suicide exclusion Riders covering additional insureds Cash value increases Medical examination; autopsy Dividends Prohibited provisions including Spouse/other-insured term rider backdating (ORS 743.225) Children's term rider Policy loans Beneficiaries Family term rider Surrenders Designation options Riders affecting the death benefit Amounts received by beneficiary amount Individuals General rule and exceptions Accidental death Classes Settlement options Guaranteed insurability Estates Values included in insured's estate Cost of living Minors Modified endowment contracts (MECs) Return of premium Modified endowment versus life Trusts Annuities 18% (18 items) insurance Succession Annuity principles and concepts Seven-pay test Revocable versus irrevocable Accumulation period versus annuity period Distributions Common disaster clause Owner, annuitant and beneficiary Taxation of non-qualified annuities Spendthrift clause Insurance aspects of annuities Individually-owned Settlement options Suitability in the sale of annuities (OAR Accumulation phase (tax issues related to withdrawals) Cash payment 836-080-0090) Annuity phase and the exclusion ratio Interest only Immediate versus deferred annuities Single premium immediate annuities Distributions at death Fixed-period installments (SPIAs) Corporate-owned Fixed-amount installments Deferred annuities Taxation of individual retirement Life income Premium payment options annuities(IRAs) Single life Nonforfeiture Traditional IRAs Joint and survivor Surrender charges Contributions and deductible amounts Nonforfeiture options (ORS 743.204 to Premature distributions (including .210) Death benefits taxation issues) Cash surrender value Annuity (benefit) payment options Annuity phase benefit payments Extended term Life contingency options Amounts received by beneficiary Pure life versus life with guaranteed Reduced paid-up insurance minimum Roth IRAs Policy loan and withdrawal options Single life versus multiple life Contributions and limits Cash loans Annuities certain (types) Distributions Rollovers and transfers (IRAs and Automatic premium loans Annuity products qualified plans) and suitability Withdrawals or partial surrenders Fixed annuities Section 1035 exchanges and suitability Uses of dividends (ORS 743.183) General account assets Qualified Plans 7% (7 items) Interest rate (ORS 743.187) Interest rate guarantees (minimum versus current) General requirements Dividend options Level benefit payment amount Federal tax considerations Cash payment Tax advantages for employers and Equity indexed annuities employees Reduction of premium payments Market value adjusted annuities Taxation of distributions (age-related) Accumulation at interest Uses of annuities Plan types, characteristics and One-year term option purchasers Lump-sum settlements Paid-up additions Simplified employee pensions (SEPs)

44 Self-employed plans (HR 10 or Keogh Misrepresentation (ORS 746.075, Express plans) .100) False advertising (ORS 746.110; OAR Implied Profit-sharing and 401(k) plans 836-080-0155) Apparent SIMPLE plans Rebating (ORS 746.045) Responsibilities to the applicant/insured 403(b) tax-sheltered annuities (TSAs) Unfair discrimination (ORS 746.015; OAR 836-081-0005, 0010, 0020, 0030) Contracts Pension plans Illegal inducement (ORS 746.035) Elements of a legal contract Section 457 deferred compensation Examination of records (ORS Offer and acceptance Special rules for life insurance 744.068(2, 3)) Privacy of Consumer Information (ORS Consideration Incidental limitation 746.600, .620, .630, .665; OAR 836- Competent parties Taxation of economic benefit 080-0501 to 836-080-0551) Legal purpose Taxation of life insurance distributions Federal regulation Fair Credit Reporting Act (15 USC 1681 Distinct characteristics of an insurance contract to 1681d) Fraud and false statements including CONSULTANTS EXAMINATION FOR HEALTH Contract of adhesion 1033 waiver (18 USC 1033, 1034) INSURANCE Aleatory contract SERIES 12-09 General Insurance 10% (10 items) Personal contract Concepts 100 questions – 2 hour time limit Unilateral contract Risk management key terms Conditional contract Risk Insurance Regulation 10% (10 items) Legal interpretations affecting contracts Exposure Licensing Ambiguities in a contract of adhesion Hazard Purpose Reasonable expectations Peril Process (ORS 744.058, .059, .062) Indemnity Loss Types of licensees Utmost good faith Producers (ORS 744.052, .053, Methods of handling risk 731.104) Representations/misrepresentations Avoidance Consultants (ORS 744.605, .609, Warranties .626; OAR 836-071-0150) Retention Concealment Adjusters (ORS 744.531) Sharing Fraud Nonresidents (ORS 744.063) Reduction Waiver and estoppel Maintenance and duration Transfer Renewal and nonrenewal (ORS Health Insurance 11% (11 items) 744.072, .074) OAR 836-071-0146) Elements of insurable risks Types of products and benefits Reinstatement (ORS 744.018, Adverse selection .072(6)) Medical and surgical (ORS 743B.005) Assumed business name (ORS Law of large numbers Dental (ORS 731.162, 743B.005) 744.028(2),.068) Reinsurance Change of address or telephone Long-term care (ORS 743B.005, 743.650, number (ORS 744.028(1), .068) Insurers OAR 836-052-0516) Reporting of actions (ORS 744.089) Types of insurers Short-term care (ORS 743.652(5)) Suitability (OAR 836-080-0090; OAR Stock companies Medicare supplements (ORS 743.680, 836-080-0170 to 0190) OAR 836-052-0103) Replacement (OAR 836-080-0001 to Mutual companies 0043) Accident (ORS 743B.005) Fraternal benefit societies Disciplinary actions Disability Reciprocals Cease and desist orders (ORS Student health (ORS 743.550) 731.252) Lloyd's associations License probation, suspension, Blanket (ORS 743.536) Risk retention groups revocation or refusal to issue or Vision renew (ORS 744.074) Private versus government insurers Types of health insurance policies Civil penalty (ORS 731.988) Admitted versus nonadmitted insurers Individual versus group Criminal penalty (ORS 731.992) Domestic, foreign and alien insurers Private versus government State regulation Financial status (independent rating Director's enforcement authority (ORS services) TRICARE (ORS 743B.005) 731.256) Marketing (distribution) systems Limited versus comprehensive Director's inquiries (ORS 731.296) Producers and general rules of agency Self-insured versus fully insured Company regulation Insurer as principal On exchange/off exchange Unfair claim settlement practices (ORS 746.230; OAR 836-080-0205 to Producer/insurer relationship Small group and large group 0250) Authority and powers of producer Primary or supplemental Unfair trade practices

45 Policy exclusion provisions Individual disability income insurance Sick leave Unique aspects of individual disability Producer responsibilities Vacation leave underwriting Marketing requirements Business disability insurance Occupational considerations Key employee (partner) disability Advertising (OAR 836-020-0200–0305) Benefit limits income Oregon Life and Health Insurance Policy issuance alternatives and medical Guaranty Association (ORS 734.750– Disability buy-sell policy underwriting .890) Social Security disability Basic total disability plan Sales presentations Qualification for disability benefits Outline of coverage (OAR 836-020- Income benefits (monthly indemnity) 0305) Definition of disability Elimination and benefit periods Summary benefits and coverage Waiting period Waiver of premium feature Field underwriting Coordination with social insurance, Disability income benefits workers compensation benefits and at- Nature and purpose work benefits Workers compensation Disclosure of information about individuals Additional monthly benefit (AMB) Eligibility Application procedures Social insurance supplement (SIS) Medical Plans 19% (19 items) Occupational versus nonoccupational Requirements at delivery of policy Medical plan concepts coverage Fee-for-service basis versus prepaid Common situations for errors/omissions Partial disability benefit basis Individual underwriting on grandfathered Benefit schedule versus plans Residual disability benefit usual/reasonable/customary charges Any provider versus limited choice of Pre-existing conditions Sick leave providers Creditable coverage Vacation leave Insureds versus subscribers/participants Other provisions affecting income Benefits, limitations and exclusions benefits Deductibles and cost sharing Producer liability for errors and omissions Cost of living adjustment (COLA) rider Types of providers and plans Individual Health Insurance Policy Major medical insurance (indemnity Future increase option (FIO) rider General Provisions 8% (8 items) plans) Relation of earnings to insurance (ORS Uniform required provisions 743.465) Characteristics and plan provisions Incontestability (ORS 743.414, .472) Other cash benefits Managed Care Grace period (ORS 743.417) Accidental death and dismemberment Preferred provider organizations (PPOs) General characteristics and plan Reinstatement (ORS 743.420) Rehabilitation benefit provisions Medical reimbursement Uniform optional provisions benefit(nondisabling injury) Open panel or closed panel Change of occupation (ORS 743.450) Exclusions as the policy lists Point-of-service (POS) Misstatement of age (ORS 743.453, .489) Unique aspects of individual disability underwriting Out-of-network provider access Other general provisions Primary Care Physician (PPO) Right to examine (free look) (ORS Occupational considerations Oregon requirements (individual and 743.492) Benefit limits group) Consideration clause Policy issuance alternatives Eligibility requirements Renewability clause (ORS 743.495, .498, Newborn child coverage (ORS 743B.125(5)) Group disability income insurance 743A.090) Noncancelable Short-term disability (STD) Dependent child age limit (ORS 743A.090) Guaranteed renewable Long-term disability (LTD) Coverage for adopted children (ORS Unique aspects of group disability Conditionally renewable 743A.090) underwriting Health Care Reform (Affordable Care Renewable at option of insurer Pre-existing conditions Act) Nonrenewable (cancelable, term) Waiting period Essential Health Benefits Cancellation (ORS 743.472, 743B.125(6)) Group total disability benefit Levels of Coverage Disability Income and Related Insurance Income benefits (monthly indemnity) Payment and Billing 7% (7 items) Elimination and benefit periods Internal Appeal and External Review Qualifying for disability benefits Waiver of premium feature Penalties and Fines Inability to perform duties Coordination with social insurance, Oregon's Health Insurance Own occupation workers compensation benefits and at- Exchange/Marketplace work benefits Any occupation Definition Loss of income (income replacement Additional monthly benefit (AMB) Medicaid contracts) Social insurance supplement (SIS) Eligibility Presumptive disability Occupational versus nonoccupational coverage Benefits Requirement to be under physician care

46 Subsidies/Tax Credits Purchase policy through 743.686) exchange/marketplace (ORS 743B.010) HIPAA (Health Insurance Portability and Replacement (ORS 743B.300); OAR Accountability Act) requirements Small group tax credits 836-052-0165, 0190) Pre-existing conditions (OAR 836-052- Eligibility Dental Insurance 3% (3 items) 0190) Guaranteed issue Pediatric Care (Affordable Care Act) Required disclosure provisions (ORS 743.685;OAR 836-052-0160) Renewability Family care Outline of coverage (ORS Group Health Insurance 14% (14 items) Adult care 743.685(2);OAR 836-052-0160, 0190) Purpose of group insurance (ORS Categories of dental treatment Buyer's guide (ORS 743.685(6)) 743B.003(1) -(8)) Permitted compensation (OAR 836- Issuance of group contract (ORS Diagnostic and preventive 052-0156) 743B.010) Restorative Medicare SELECT (OAR 836-052-0139) Provisions of coverage (ORS 743B.011) Oral surgery Other options for individuals with Experience rating versus community Medicare rating Endodontics Employer group health plans Types of eligible groups Periodontics Employment-related groups (ORS Disabled employees 743B.010) Prosthodontics Employees with kidney failure Multiple-Employer Trusts (METs) or Orthodontics Welfare Arrangements (MEWAs) (ORS Individuals age 65 and older 750.301) Access to Dental Coverage Medicaid Self-Funded groups Choice of providers Eligibility Associations (alumni, professional, Scheduled versus nonscheduled plans other) Benefits Employer group dental expense Marketing considerations Integrated deductibles versus stand- Long-Term Care (LTC) policies Advertising alone plans Definitions (ORS 743.650 to .665) Regulatory jurisdiction/place of delivery Minimizing adverse selection Eligibility for benefits Insurance for Senior Citizens and Special Employer group health insurance Needs Individuals 13% (13 items) Benefit triggers (ORS 743.652(2)) Activities of daily living requirements Insurer underwriting criteria Medicare (OAR 836-052-0516(1)) Characteristics of group Nature, financing and administration Covered services (OAR 836-052-0596) Plan design factors Part A — Hospital Insurance Benefit periods (ORS 743.665(5)) Persistency factors Individual eligibility requirements Benefit amounts (OAR 836-052-0586) Administrative capability Enrollment Optional benefits Eligibility for insurance (ORS 743B.105(4), (5)) Coverages and cost-sharing amounts Guarantee of insurability Employee eligibility Part B — Medical Insurance Return of premium (ORS 743.665(E)) Dependent eligibility Individual eligibility requirements Qualified LTC plans (OAR 836-052-0531) Coordination of benefits provision (OAR Enrollment 836-020-0770–0806) Exclusions Change of insurance companies or loss Coverages and cost-sharing amounts Oregon regulations and required of coverage Provisions Exclusions Training for insurance producers (OAR No-loss no-gain Claims terminology and other key 836-052-0639) terms Standards for marketing (OAR 836- Events that terminate coverage Part C — Medicare Advantage 052-0706) Extension of benefits Part D — Prescription Drug Insurance Advertising (OAR 836-052-0696) Continuation of coverage under Medicare supplements Shopper's guide (OAR 836-052-0786) COBRA and Oregon rules (ORS 743B.347; Outline of coverage (ORS 743.655(7); OAR 836-052-0860) Purpose (OAR 836-052-0103) OAR 836-052-0776) Conversion rights (ORS 743B.343 – Appropriateness of recommended Open enrollment (OAR 836-052-0138) .345) purchase Small employer medical plans Standardized Medicare supplement plans Right to return (free look) (ORS 743.655(6)) Definition of small employer (ORS Core benefits (OAR 836-052-0133) 743B.005 ) Replacement (OAR 836-052-0626, Requirements of small employer (ORS Additional benefits 0736) 742.360) Oregon regulations and required Renewal provisions Basic coverage (ORS 743B.005, provisions 743B.012) Standards for marketing (OAR 836- Continuation or conversion 052-0175) Required disclosure provisions (OAR Availability of coverage (ORS 743B.104) Advertising (ORS 743.687; OAR 836- 836-052-0716) Renewability of coverage (ORS 743B.013 052-0170) Inflation protection (OAR 836-052- (5)) Appropriateness of recommended 0616) Participation requirements (ORS purchase and excessive insurance Pre-existing conditions (ORS 743B.013(7)) (OAR 836-052-0180) 743.655(3)) Open enrollment Right to return (free look) (ORS Protection against unintentional lapse

47 (OAR 836-052-0536(a)(b); 836-052- Suitability (OAR 836-080-0090; OAR Types of insurers 0740(7)) 836-080-0170 to 0190) Partnership provisions (OAR 836-052- Replacement (OAR 836-080-0001 to Stock companies 0531) 0043) Mutual companies Prohibited provisions Disciplinary actions Federal Tax Considerations for Health Cease and desist orders (ORS Fraternal benefit societies Insurance 5% (5 items) 731.252) Reciprocals License probation, suspension, Personally-owned health insurance revocation or refusal to issue or Lloyd's associations Disability income insurance renew (ORS 744.074) Risk retention groups Medical expense insurance Civil penalty (ORS 731.988) Private versus government insurers Long-term care insurance Criminal penalty (ORS 731.992) Admitted versus nonadmitted insurers Employer group health insurance State regulation Domestic, foreign and alien insurers Director's enforcement authority (ORS Disability income (STD, LTD) Financial status (independent rating 731.256) services) Benefits subject to FICA Director's inquiries (ORS 731.296) Marketing (distribution) systems Medical and dental expense Company regulation Producers and general rules of agency Long-term care insurance Unfair claim settlement practices (ORS 746.230; OAR 836-080-0205 to Insurer as principal Accidental death and dismemberment 0250) Medical expense coverage for sole Producer/insurer relationship proprietors and partners Unfair trade practices Authority and powers of producer Misrepresentation (ORS 746.075, Business disability insurance .100) Express False advertising (ORS 746.110; OAR Key person disability income Implied 836-080-0155) Buy-sell policy Apparent Health Savings Accounts (HSAs) and Rebating (ORS 746.045) Health Reimbursement Accounts (HRAs) Unfair discrimination (ORS 746.015; Responsibilities to the applicant/insured OAR 836-081-0005, 0010, 0020, Definition 0030) Contracts Eligibility Illegal inducement (ORS 746.035) Elements of a legal contract Contribution limits Examination of records (ORS Offer and acceptance 744.068(2, 3)) Consideration Portability Privacy of Consumer Information (ORS 746.600, .620, .630, .665; OAR 836- Competent parties 080-0501 to 836-080-0551) Legal purpose CONSULTANTS EXAMINATION FOR LIFE AND Federal regulation Distinct characteristics of an insurance HEALTH INSURANCE Fair Credit Reporting Act (15 USC 1681 contract SERIES 12-10 to 1681d) Contract of adhesion Fraud and false statements including 150 questions – 2 hours and 40 minute time 1033 waiver (18 USC 1033, 1034) Aleatory contract limit General Insurance 5% (7 - 8 items) Personal contract Concepts Unilateral contract Insurance Regulation 8% (12 items) Risk management key terms Conditional contract Licensing Risk Legal interpretations affecting contracts Purpose Exposure Ambiguities in a contract of adhesion Process (ORS 744.058, .059, .062) Hazard Reasonable expectations Types of licensees Producers (ORS 744.052, .053, Peril Indemnity 731.104) Loss Consultants (ORS 744.605, .609, Utmost good faith .626; OAR 836-071-0150) Methods of handling risk Representations/misrepresentations Adjusters (ORS 744.531) Avoidance Warranties Nonresidents (ORS 744.063) Retention Concealment Maintenance and duration Sharing Fraud Renewal and nonrenewal (ORS 744.072, .074) OAR 836-071-0146) Reduction Waiver and estoppel Reinstatement (ORS 744.018, Transfer Life Insurance Basics 7% (10 - 11 items) .072(6)) Insurable interest (ORS 743.040, .038, Elements of insurable risks Assumed business name (ORS .044 ) 744.028(2),.068) Adverse selection Change of address or telephone Personal uses of life insurance Law of large numbers number (ORS 744.028(1), .068) Survivor protection Reinsurance Reporting of actions (ORS 744.089) Estate creation Insurers Cash accumulation

48 Medical examinations and lab tests Liquidity Payment of premiums (ORS 743.162) (including HIV consent) (OAR 836-050- Estate conservation 0250) Grace period (ORS 743.165) Life settlements (ORS 744.318., .321, Selection criteria and unfair Reinstatement (ORS 743.171) .323, .326,.328; OAR 836-014-0200– discrimination (OAR 836-081-0005, 0010) 0330) Sexual orientation prohibited (OAR 836- Incontestability (ORS 743.168, .315) Determining amount of personal life 050-0240) Misstatement of age and gender (ORS insurance Medical and lifestyle questions (OAR 743.180) 836-050-0245) Human life value approach Exclusions Prohibited discrimination (ORS 746.015) Needs approach Suicide exclusion Evidence of insurability (ORS 743.321) Types of information gathered Medical examination; autopsy Incontestability (ORS 743.315) Prohibited provisions including Determining lump-sum needs Suitability in the sale of life insurance backdating (ORS 743.225) Planning for income needs (OAR 836-080-0090) Beneficiaries Business uses of life insurance Life Insurance Policies 7% (10 - 11 items) Designation options Buy-sell funding Term life insurance Individuals Key person (ORS 743.228) Level term Classes Executive bonuses Annual renewable term Estates Deferred compensation funding Level premium term Minors Types of life insurance policies (ORS Decreasing term 731.102, .170) Trusts Group and individual (ORS 731.150, Whole life insurance 743.303,) Succession Continuous premium (straight life) Permanent, term, variable and annuities Revocable versus irrevocable (ORS 731.156, 743.245) Limited payment Common disaster clause Single premium Fixed versus variable life insurance and Spendthrift clause annuities including regulation of variable Flexible premium policies products (SEC, FINRA, and Oregon) (ORS Settlement options Adjustable life 733.220) Cash payment Universal life Licensee responsibilities Interest only Solicitation and sales presentations (OAR Specialized policies 836-051-0005–0020) Fixed-period installments Joint life (first-to-die) Advertising (ORS 746.075, .110, .115) Fixed-amount installments Juvenile life Oregon Life and Health Insurance Life income Guaranty Association (ORS 734.750–.890) Survivorship Life Single life Association (ORS 734.750–.890) Group life insurance Joint and survivor Illustrations (OAR 836-051-0500–0600) Characteristics of group plans Nonforfeiture options (ORS 743.204 to Policy summary Group underwriting requirements .210) Buyer's guide Conversion to individual policy(ORS Cash surrender value 743.333–.339) Life insurance policy cost comparison Extended term methods Incontestability (ORS 743.315) Replacement (ORS 746.085; OAR 836- Reduced paid-up insurance 080- 0001–to 0043) Evidence of Insurability (ORS 743.321) Policy loan and withdrawal options Use and disclosure of insurance Misstatement of Age (ORS 743.324) information (ORS 746.600 to .605, Payments under the policy (ORS Cash loans .610, .615 to .630, .635 to .660; OAR 743.327) Automatic premium loans 836-080-0430) Termination of individual coverage (ORS Withdrawals or partial surrenders Field underwriting 743.333) Uses of dividends (ORS 743.183) Notice of information practices Continuing coverage (ORS 743.356) Interest rate (ORS 743.187) Application procedures Prohibited sales practices (ORS 743.348) Policies issued to trustees of certain Dividend options Delivery funds (ORS 743.354) Cash payment Policy review Credit life insurance (individual versus group) Reduction of premium payments Effective date of coverage Life Insurance Policy Provisions, Options and Riders 5% (7 - 8 items) Accumulation at interest Premium collection Standard provisions One-year term option Statement of good health Ownership Paid-up additions Individual underwriting by the insurer Assignment (ORS 743.043) Disability riders Information sources and regulation Entire contract (ORS 743.174) Waiver of premium Application (ORS 743.039, .318) Modifications Waiver of cost of insurance Right to examine (free look) Disability income benefit

49 Payor benefit life/disability (juvenile Retirement income 403(b) tax-sheltered annuities (TSAs) insurance) Accelerated (living) benefit Education funds Pension plans provision/rider (ORS 743.154; OAR 836- 051-0300–0380, 836-052–0646) Living benefit riders Section 457 deferred compensation Federal Tax Considerations for Life Special rules for life insurance Qualifying events Insurance and Annuities 7% (10 - 11 items) Disclosure Incidental limitation Taxation of personal life insurance Effect of benefit payment Taxation of economic benefit Amounts available to policyowner Riders covering additional insureds Taxation of life insurance distributions Cash value increases Spouse/other-insured term rider Health Insurance 7% (10 - 11 items) Dividends Children's term rider Types of products and benefits Policy loans Family term rider Medical and surgical (ORS 743B.005) Riders affecting the death benefit Surrenders Dental (ORS 731.162, 743B.005) amount Amounts received by beneficiary Long-term care (ORS 743B.005, Accidental death General rule and exceptions 743.650, OAR 836-052-0516) Guaranteed insurability Settlement options Short-term care (ORS 743.652(5)) Cost of living Medicare supplements (ORS 743.680, Values included in insured's estate OAR 836-052-0103) Return of premium Modified endowment contracts (MECs) Accident (ORS 743B.005) Annuities 8% (12 items) Modified endowment versus life insurance Disability Annuity principles and concepts Seven-pay test Student health (ORS 743.550) Accumulation period versus annuity period Distributions Blanket (ORS 743.536) Owner, annuitant and beneficiary Taxation of non-qualified annuities Vision Insurance aspects of annuities Suitability in the sale of annuities (OAR Individually-owned Types of health insurance policies 836-080-0090) Accumulation phase (tax issues Individual versus group related to withdrawals) Immediate versus deferred annuities Private versus government Single premium immediate annuities Annuity phase and the exclusion ratio (SPIAs) TRICARE (ORS 743B.005) Distributions at death Deferred annuities Limited versus comprehensive Corporate-owned Premium payment options Taxation of individual retirement Self-insured versus fully insured annuities(IRAs) Nonforfeiture On exchange/off exchange Traditional IRAs Surrender charges Small group and large group Contributions and deductible amounts Death benefits Primary or supplemental Premature distributions (including Annuity (benefit) payment options taxation issues) Policy exclusion provisions Life contingency options Annuity phase benefit payments Producer responsibilities Pure life versus life with guaranteed Amounts received by beneficiary Marketing requirements minimum Roth IRAs Advertising (OAR 836-020-0200–0305) Single life versus multiple life Oregon Life and Health Insurance Contributions and limits Annuities certain (types) Guaranty Association (ORS 734.750–.890) Distributions Annuity products Sales presentations Rollovers and transfers (IRAs and Outline of coverage (OAR 836-020- Fixed annuities qualified plans) and suitability 0305) General account assets Section 1035 exchanges and suitability Summary benefits and coverage Interest rate guarantees (minimum Qualified Plans 4% (6 items) versus current) Field underwriting General requirements Level benefit payment amount Nature and purpose Federal tax considerations Disclosure of information about Equity indexed annuities Tax advantages for employers and individuals Market value adjusted annuities employees Application procedures Uses of annuities Taxation of distributions (age-related) Requirements at delivery of policy Plan types, characteristics and Lump-sum settlements purchasers Common situations for errors/omissions Qualified retirement plans including Individual underwriting on grandfathered group versus individual annuities Simplified employee pensions (SEPs) plans Self-employed plans (HR 10 or Keogh Personal uses plans) Pre-existing conditions Individual retirement annuities (IRAs) Profit-sharing and 401(k) plans Creditable coverage Tax-deferred growth SIMPLE plans Benefits, limitations and exclusions

50 Producer liability for errors and Other provisions affecting income Deductibles and cost sharing omissions benefits Individual Health Insurance Policy Types of providers and plans Cost of living adjustment (COLA) rider General Provisions 8% (12 items) Major medical insurance (indemnity Future increase option (FIO) rider plans) Uniform required provisions Relation of earnings to insurance (ORS Characteristics and plan provisions Incontestability (ORS 743.414, .472) 743.465) Managed Care Grace period (ORS 743.417) Other cash benefits Preferred provider organizations (PPOs) Reinstatement (ORS 743.420) Accidental death and dismemberment General characteristics and plan Uniform optional provisions Rehabilitation benefit provisions Medical reimbursement Change of occupation (ORS 743.450) Open panel or closed panel benefit(nondisabling injury) Misstatement of age (ORS 743.453, .489) Point-of-service (POS) Exclusions as the policy lists Other general provisions Unique aspects of individual disability Out-of-network provider access Right to examine (free look) (ORS underwriting Primary Care Physician (PPO) 743.492) Occupational considerations Oregon requirements (individual and Consideration clause group) Benefit limits Legal actions (ORS 743.441) Eligibility requirements Policy issuance alternatives Renewability clause (ORS 743.495, .498, Newborn child coverage (ORS 743B.125(5)) Group disability income insurance 743A.090) Dependent child age limit (ORS Noncancelable Short-term disability (STD) 743A.090) Guaranteed renewable Long-term disability (LTD) Coverage for adopted children (ORS Unique aspects of group disability 743A.090) Conditionally renewable underwriting Health Care Reform (Affordable Care Renewable at option of insurer Act) Pre-existing conditions Essential Health Benefits Nonrenewable (cancelable, term) Waiting period Levels of Coverage Cancellation (ORS 743.472, 743B.125(6)) Group total disability benefit Disability Income and Related Insurance Payment and Billing 8% (12 items) Income benefits (monthly indemnity) Internal Appeal and External Review Qualifying for disability benefits Elimination and benefit periods Penalties and Fines Inability to perform duties Waiver of premium feature Oregon's Health Insurance Coordination with social insurance, Own occupation Exchange/Marketplace workers compensation benefits and at- Any occupation work benefits Definition Loss of income (income replacement Additional monthly benefit (AMB) Medicaid contracts) Social insurance supplement (SIS) Eligibility Presumptive disability Occupational versus nonoccupational Benefits Requirement to be under physician care coverage Subsidies/Tax Credits Sick leave Individual disability income insurance HIPAA (Health Insurance Portability and Unique aspects of individual disability Vacation leave Accountability Act) requirements underwriting Business disability insurance Eligibility Occupational considerations Key employee (partner) disability Guaranteed issue Benefit limits income Policy issuance alternatives and medical Renewability Disability buy-sell policy underwriting Group Health Insurance 8% (12 items) Social Security disability Basic total disability plan Purpose of group insurance (ORS Qualification for disability benefits 743B.003(1) -(8)) Income benefits (monthly indemnity) Issuance of group contract (ORS Definition of disability Elimination and benefit periods 743B.010) Waiting period Waiver of premium feature Provisions of coverage (ORS 743B.011) Coordination with social insurance, Disability income benefits Experience rating versus community workers compensation benefits and at- rating Workers compensation work benefits Types of eligible groups Eligibility Additional monthly benefit (AMB) Employment-related groups (ORS Medical Plans 8% (12 items) 743B.010) Social insurance supplement (SIS) Multiple-Employer Trusts (METs) or Occupational versus nonoccupational Medical plan concepts Welfare Arrangements (MEWAs) (ORS coverage Fee-for-service basis versus prepaid 750.301) basis Partial disability benefit Benefit schedule versus Self-Funded groups Residual disability benefit usual/reasonable/customary charges Associations (alumni, professional, Any provider versus limited choice of other) Sick leave providers Marketing considerations Vacation leave Insureds versus subscribers/participants Advertising

51 Integrated deductibles versus stand-\ Regulatory jurisdiction/place of delivery Definitions (ORS 743.650 to .665) alone plans Employer group health insurance Eligibility for benefits Minimizing adverse selection Insurer underwriting criteria Insurance for Senior Citizens and Special Benefit triggers (ORS 743.652(2)) Needs Individuals 5% (7 - 8 items) Activities of daily living requirements Characteristics of group (OAR 836-052-0516(1)) Medicare Plan design factors Covered services (OAR 836-052-0596) Nature, financing and administration Persistency factors Benefit periods (ORS 743.665(5)) Part A — Hospital Insurance Administrative capability Benefit amounts (OAR 836-052-0586) Eligibility for insurance (ORS Individual eligibility requirements 743B.105(4), (5)) Optional benefits Enrollment Employee eligibility Guarantee of insurability Coverages and cost-sharing amounts Dependent eligibility Return of premium (ORS 743.665(E)) Part B — Medical Insurance Qualified LTC plans (OAR 836-052-0531) Coordination of benefits provision (OAR Individual eligibility requirements 836-020-0770–0806) Exclusions Enrollment Change of insurance companies or loss Oregon regulations and required of coverage Coverages and cost-sharing amounts provisions Training for insurance producers (OAR Exclusions No-loss no-gain 836-052-0639) Claims terminology and other key Standards for marketing (OAR 836- Events that terminate coverage terms 052-0706) Extension of benefits Part C — Medicare Advantage Advertising (OAR 836-052-0696) Continuation of coverage under Part D — Prescription Drug Insurance Shopper's guide (OAR 836-052-0786) COBRA and Oregon rules (ORS Outline of coverage (ORS 743.655(7); 743B.347; OAR 836-052-0860) Medicare supplements OAR 836-052-0776) Conversion rights (ORS 743B.343 – Purpose (OAR 836-052-0103) Appropriateness of recommended .345) Open enrollment (OAR 836-052-0138) purchase Small employer medical plans Right to return (free look) (ORS Definition of small employer (ORS Standardized Medicare supplement plans 743.655(6)) 743B.005 ) Core benefits (OAR 836-052-0133) Replacement (OAR 836-052-0626, 0736) Requirements of small employer (ORS Additional benefits 742.360) Oregon regulations and required Renewal provisions Basic coverage (ORS 743B.005, provisions Continuation or conversion 743B.012) Standards for marketing (OAR 836- Required disclosure provisions (OAR Availability of coverage (ORS 743B.104) 052-0175) 836-052-0716) Renewability of coverage (ORS 743B.013 Advertising (ORS 743.687; OAR 836- Inflation protection (OAR 836-052- (5)) 052-0170) 0616) Participation requirements (ORS Appropriateness of recommended Pre-existing conditions (ORS 743B.013(7)) purchase and excessive insurance 743.655(3)) (OAR 836-052-0180) Protection against unintentional lapse Open enrollment Right to return (free look) (ORS (OAR 836-052-536(a)(b); 836-052- Purchase policy through 743.686) 0740(7) exchange/marketplace (ORS 743B.010) Replacement (ORS 743B.300); OAR Partnership provisions (OAR 836-052- Small group tax credits 836-052-0165, 0190) 0531) Pre-existing conditions (OAR 836-052- Dental Insurance 2% (3 items) 0190) Prohibited provisions Required disclosure provisions (ORS Pediatric Care (Affordable Care Act) Federal Tax Considerations for Health 743.685;OAR 836-052-0160) Insurance 3% (4 - 5 items) Family care Outline of coverage (ORS 743.685(2);OAR 836-052-0160, 0190) Personally-owned health insurance Adult care Buyer's guide (ORS 743.685(6)) Disability income insurance Categories of dental treatment Permitted compensation (OAR 836- Medical expense insurance Diagnostic and preventive 052-0156) Long-term care insurance Restorative Medicare SELECT (OAR 836-052-0139) Other options for individuals with Employer group health insurance Oral surgery Medicare Disability income (STD, LTD) Endodontics Employer group health plans Benefits subject to FICA Periodontics Disabled employees Medical and dental expense Prosthodontics Employees with kidney failure Long-term care insurance Orthodontics Individuals age 65 and older Accidental death and dismemberment Access to Dental Coverage Medicaid Medical expense coverage for sole proprietors and partners Choice of providers Eligibility Business disability insurance Scheduled versus nonscheduled plans Benefits Key person disability income Employer group dental expense Long-Term Care (LTC) policies

52 Fair Credit Reporting Act (15 USC 1681 to Buy-sell policy Reasonable expectations 1681d) Health Savings Accounts (HSAs) and Indemnity Fraud and false statements including Health Reimbursement Accounts (HRAs) 1033 waiver (18 USC 1033, 1034) Utmost good faith Definition General Insurance 8% Representations/misrepresentations Eligibility Concepts Warranties Concealment Contribution limits Risk management key terms Risk Fraud Portability Exposure Waiver and estoppel Hazard Property and Casualty Insurance Basics 13% CONSULTANTS EXAMINATION FOR GENERAL Peril Principles and concepts LINES INSURANCE Loss Insurable interest SERIES 12-11 Methods of handling risk Underwriting

Avoidance Function 150 questions – 2.5 hour time limit Retention Loss ratio Insurance Regulation 12% Sharing Rates Licensing Reduction Types Purpose Transfer Loss costs Process (ORS 744.058, .059, .062) Elements of insurable risks Components Types of licensees Adverse selection Hazards Producers (ORS 744.052, .053, Law of large numbers Physical 731.104) Reinsurance Moral Consultants (ORS 744.605, .609, .626; Insurers Morale OAR 836-071-0150) Adjusters (ORS 744.531) Types of insurers Negligence Nonresidents (ORS 744.063) Stock companies Elements of a negligent act Maintenance and duration Mutual companies Defenses against negligence Renewal and nonrenewal (ORS Fraternal benefit societies Damages 744.072, .074) OAR 836-071-0146) Reciprocals Compensatory — economic versus non- economic Reinstatement (ORS 744.018, .072(6)) Lloyd's associations Assumed business name (ORS Punitive Risk retention groups 744.028(2),.068) Absolute liability Change of address or telephone Private versus government insurers Strict liability number (ORS 744.028(1), .068) Admitted versus nonadmitted insurers Vicarious liability Reporting of actions (ORS 744.089) Domestic, foreign and alien insurers Causes of loss (perils) Disciplinary actions Financial status (independent rating Cease and desist orders (ORS 731.252) services) Named perils versus special (open) perils License probation, suspension, Marketing (distribution) systems Direct loss revocation or refusal to issue or renew Producers and general rules of agency Consequential or indirect loss (ORS 744.074) Insurer as principal Blanket, specific insurance, and margin Civil penalty (ORS 731.988) clause Producer/insurer relationship Criminal penalty (ORS 731.992) Basic types of construction Authority and powers of producer State regulation Loss valuation Express Director's enforcement authority (ORS Actual cash value Implied 731.256) Replacement cost Director's inquiries (ORS 731.296) Apparent Functional replacement cost Company regulation Responsibilities to the applicant/insured Market value Unfair claim settlement practices (ORS Contracts Agreed value 746.230; OAR 836-080-0205 to 0250) Elements of a legal contract Unfair trade practices Stated amount Offer and acceptance Misrepresentation (ORS 746.075, .100) Valued policy Consideration False advertising (ORS 746.110; OAR Policy structure Competent parties 836-080-0155) Declarations Rebating (ORS 746.045) Legal purpose Definitions Unfair discrimination (ORS 746.015; Distinct characteristics of an insurance OAR 836-081-0005, 0010, 0020, 0030) contract Insuring agreement or clause Illegal inducement (ORS 746.035) Contract of adhesion Additional/supplementary coverage Examination of records (ORS 744.068(2, Aleatory contract Conditions 3)) Personal contract Exclusions Privacy of Consumer Information (ORS 746.600, .620, .630, .665; OAR 836-080- Unilateral contract Endorsements 0501 to 836-080-0551) Conditional contract Common policy provisions Federal regulation Legal interpretations affecting contracts Insureds — named, first named and additional Ambiguities Policy period

53 Policy territory Coverage C — Personal property Day Care Cancellation and nonrenewal Coverage D — Fair rental value Uninsured/underinsured motorist (ORS 742.500–.510) Deductibles Coverage E — Additional living expense Definitions Other insurance Other coverages Bodily injury Concurrent General exclusions Property damage Primary and excess Conditions Required limits Limits of liability Selected endorsements Aftermarket Crash Parts Act (ORS Per occurrence (accident) Special provisions — Oregon 746.287, .289, .292) Per person Automatic increase in insurance Credit History (ORS 746.661 (6)) Aggregate—general versus products— Broad theft coverage Personal auto policy completed operations Dwelling under construction Definitions Split Personal liability supplement Liability coverage Combined single Homeowners Policy 4% Bodily injury and property damage Policy limits Coverage forms Supplementary payments Restoration/nonreduction of limits HO-2 through HO-6 Exclusions Coinsurance HO-8 Medical payments coverage Vacancy or unoccupancy Definitions Coverage for damage to your auto Named insured provisions Section I — Property coverages Collision Duties after loss Coverage A — Dwelling Other than collision (comprehensive) Assignment Coverage B — Other structures Deductibles Abandonment Coverage C — Personal property Exclusions Insurer provisions Coverage D — Loss of use Rental Reimbursement Liberalization Additional coverages Duties after an accident or loss Subrogation Section II — Liability coverages General provisions Salvage Coverage E — Personal liability Selected endorsements Claim settlement options Coverage F — Medical payments to others Amendment of policy provisions — Duty to defend Oregon Additional coverages Third-party provisions Towing and labor costs Perils insured against Standard mortgage clause Extended non-owned coverage — Exclusions vehicles furnished or available for Loss payable clause Conditions regular use No benefit to the bailee Selected endorsements Miscellaneous type vehicle Oregon laws, regulations and required Joint ownership coverage provisions Special provisions — Oregon Oregon Insurance Guaranty Association Limited fungi, wet or dry rot, or bacteria Commercial auto (ORS 734.510–.710) coverage Commercial auto coverage forms Cancellation and nonrenewal Earthquake Business auto Commercial liability (ORS 742.700– Scheduled personal property Garage .710) Personal property replacement cost Property (ORS 742.224, 746.686-687) Business auto physical damage Permitted incidental occupancies — Motor carrier Automobile (ORS 742.560-.572) residence premises — Oregon Binders (ORS 742.043) Home day care — Oregon Coverage form sections Rates (ORS 737.025, .310; OAR 836-010- Business pursuits Covered autos 0011) Watercraft Liability coverage Policy forms (ORS 742.003, .005) Personal injury Garage keeper’s coverage Suit against insurer (ORS 742.240) Identify theft Trailer interchange coverage Concealment, misrepresentation or fraud Physical damage coverage (ORS 742.013, .208, .562(1)(b), .702(1)(b); Auto Insurance 8% 746.075, .100, .110) Laws Exclusions Unfair discrimination (ORS 746.015,.018, Oregon Motor Vehicle Financial Conditions .240) Responsibility Law Definitions Federal Terrorism Insurance Program (15 Required motor vehicle limits of liability Selected endorsements USC 6701; Public Law 109–144, 110–160) (ORS 806.070, .075) Dwelling Policy 5% Other ways to prove responsibility Lessor — additional insured and loss payee Characteristics and purpose (ORS 806.011, .060, .080) Personal injury protection (ORS 742.518– Mobile equipment Coverage forms — Perils insured against .544) Auto medical payments Basic — Oregon Medical coverage/personal injury protection Broad Loss of income Drive other car coverage Special Funeral Individual named insured Property coverages Essential services Suspension of coverage Coverage A — Dwelling Exclusions from coverage Commercial carrier regulations Coverage B — Other structures Arbitration The Motor Carrier Act of 1980

54 Endorsement for motor carrier policies Government crime coverage forms Exclusions of insurance for public liability (MCS- (discovery/loss sustained) Limits 90) Coverages Additional coverages Commercial Package Policy (CPP) 18% Employee theft Businessowners Policy 6% Components of a commercial policy Forgery or alteration Characteristics and purpose Common policy declarations Inside the premises — theft of money Common policy conditions and securities Businessowners Section I — Property Inside the premises — robbery or safe Interline endorsements Coverages burglary of other property Exclusions One or more coverage parts Outside the premises Limits Commercial general liability Computer fraud Commercial general liability coverage Deductibles Funds transfer fraud forms Loss conditions Bodily injury and property damage Money orders and counterfeit money General conditions liability Other crime coverages Optional coverages Personal and advertising injury liability Extortion — commercial entities Definitions Medical payments Guests' property Businessowners Section II — Liability Supplementary payments Identify theft/data breach Coverages Who is an insured Commercial inland marine Exclusions Limits of insurance Nationwide marine definition Who is an insured Conditions Commercial inland marine conditions Definitions form Limits of insurance Exclusions Inland marine coverage forms General conditions Occurrence versus claims-made Accounts receivable Definitions Businessowners Section III — Common Trigger Bailee's customer Policy Conditions Commercial articles Retroactive date Selected endorsements Extended reporting periods — basic Contractors equipment floater Hired auto and non-owned auto liability versus supplemental Electronic data processing Protective safeguards Claim information Installation floater Utility services — direct damage Premises and operations Signs Utility services — time element Products and completed operations Valuable papers and records Insured contract defined/contractual Workers' Compensation Insurance 13% Transportation coverages liability Workers' compensation laws Motor truck cargo forms Pollution liability coverage form Type of law Transit coverage forms Commercial property Monopolistic versus competitive Equipment breakdown Commercial property conditions form Compulsory versus elective Equipment breakdown protection Coverage forms coverage form Oregon Workers' Compensation Law (ORS Chapter 656) Building and personal property Selected endorsement Exclusive remedy (ORS 656.018) Condominium association Actual cash value Employment covered (required, Condominium commercial unit-owners Farm coverage voluntary, leased) (ORS 656.017, .023, Builders risk Farm property coverage form .027–.041) Business income Coverage A — Dwellings Covered injuries (ORS 656.005(7)) Occupational disease (ORS 656.802– Legal liability Coverage B — Other private structures .804) Extra expense Coverage C — Household personal Benefits provided (ORS 656.202, .204, Causes of loss forms property .206, .208, .210, .211, .212, .214, Basic Coverage D — Loss of use .216, .245, .258) Coverage E — Scheduled personal Workers' Compensation Handicapped Broad property Workers Program (ORS 656.628) Special Coverage F — Unscheduled farm Workers' compensation and employers Selected endorsements personal property liability insurance policy Ordinance or law Coverage G — Other farm structures General section Part One — Workers' compensation Spoilage Farm liability coverage form Coverage H — Bodily injury and insurance Peak season limit of insurance property damage liability Part Two — Employers liability insurance Value reporting form Coverage I — Personal and advertising Part Three — Other states insurance injury liability Commercial crime Part Four — Your duties if injury occurs Coverage J — Medical payments General definitions Part Five — Premium Burglary Mobile agricultural machinery and equipment coverage form Part Six — Conditions Theft Livestock coverage form Selected endorsement Robbery Definitions Voluntary compensation Crime coverage forms Causes of loss (basic, broad and special) Premium computations Commercial crime coverage forms Job classification (discovery/loss sustained) Conditions

55 Rates Records Retention (ORS 744.024(3)) Negligence Payroll Maintenance and duration Elements of a negligent act Adjustment upon audit Renewal (ORS 744.008, .009(1)) Defenses against negligence Experience modification factor Expiration (ORS 744.007, OAR836-071- Causes of loss (perils) 0130(1)) Premium discounts Named perils versus special (open) perils Nonrenewal (ORS 744.009(2)) Other sources of coverage Notification of change, deletion, or Direct loss Oregon Workers' Compensation Fund addition of an assumed business name Loss valuation Insurance Plan (ORS 656.730; OAR 836- (ORS 744.028(2)) Market value 043-0001–0091) Change of address or telephone Self-insured employers and employer number (ORS 744.028(1)) Agreed value groups (ORS 656.403, .407) Disciplinary actions Stated amount Other Coverages and Options 13% Cease and desist orders (ORS 731.252) Policy structure Umbrella/excess liability policies Suspension, revocation, and Declarations Personal nonrenewal, probation (ORS 744.013, Definitions Commercial .014) Insuring agreement or clause Specialty liability insurance Civil penalty (ORS 731.988) Additional/supplementary coverage Errors and omissions Criminal penalty (ORS 731.992) Conditions Professional liability Claim settlement laws and regulations Exclusions Director's general duties and powers Directors and officer’s liability (ORS 731.236) Endorsements Fiduciary liability Unfair claim practices (ORS 746.230; Common policy provisions Liquor liability OAR 836-080-0205) Insureds - named, first named and Employment practices liability Misrepresentation and other prohibited additional claim practices (OAR 836-080-0220) Policy period Surplus lines (ORS Sec. 735.410, .415) Required claim communications Definitions and markets practices (OAR 836-080-0225) Policy territory Licensing requirements Standard for prompt claim investigation Cancellation and nonrenewal (OAR 836-080-0230) Deductibles Surety bonds Standard for prompt and fair Principal, obligee and surety settlements (OAR 836-080-0235) Other insurance Contract bonds General (OAR 836-080-0235) Pro rata License and permit bonds Adjustment of claims under policy issued Contribution by equal shares by unauthorized insurer (ORS 744.541) Policy limits Judicial bonds Proof and amount of loss determination National Flood Insurance Program (ORS 746.295) Abandonment Write your own versus government Liability for damages; attorney fees Assignment of Indemnity (ORS 746.300) Eligibility Loss payable clause Federal regulation Coverage Insurer provisions Fair Credit Reporting Act (15 USC 1681– Limits 1681d) Subrogation 2.5 Oregon laws, regulations and Deductibles Fraud and false statements (18 USC 1033, 1034) required provisions Other policies Oregon Insurance Guaranty Association Boatowners Insurance Basics 20% (ORS 734.510–.710) Difference in conditions Contracts Suit against insurer (ORS 742.240) Concealment, misrepresentation or Recreational vehicles Elements of a legal contract fraud (ORS 742.013, .208) (2010-NCIS Offer and acceptance Residual markets 3OR) Consideration Joint Underwriting Association (ORS Power of Attorney 735.200-.260; 737.390) Competent parties Oregon FAIR Plan Association (ORS Crop-Hail Insurance 45% Legal purpose 735.005, .015, .045) General Provisions (2011-NCIS 3) Distinct characteristics of an insurance

contract Agreement to Insure

Contract of adhesion Coverage ADJUSTERS EXAMINATION FOR CROP Insurance Period INSURANCE Aleatory contract SERIES 12-15 Personal contract Duties after Loss Unilateral contract Insured's Duties 50 questions – 1 hour time limit Conditional contract Insurer's Duties Legal interpretations affecting contracts Loss Payment Insurance Regulation 10% Ambiguities in a contract of Reduction of Insurance adhesion Licensing requirements (ORS 744.505) Appraisal/Inspection Reasonable expectations Licensing exceptions (ORS 744.515) Liberalization Indemnity Qualifications (ORS 744.002, .525) Variation in Acreage in Case of Loss Utmost good faith Entire Agreement, Waiver or Change Types of licenses Waiver and estoppel of Policy Provisions Nonresident adjuster (ORS 744.528, .538) Principles and concepts Assignment of Interest Insurable interest Assignment of Indemnity

56 Concealment or Fraud EXAMINATION FOR CROP INSURANCE Cancellation of Policy The reference materials listed below were Exclusions used to prepare the questions for this Abandonment of Crop examination. This examination is CLOSED Suit against Us BOOK. These references are not allowed in the examination center. Conformity to Statutes Pre-Judgment Interest ▪ Common Crop Insurance Policy, Basic Special Provisions Provisions - Reinsured Version (11-BR) Perils Insured Against ▪ 2011 Crop Insurance Handbook Minimum Loss ▪ Crop Insurance Plan Comparison

Catastrophe Loss Award ▪ FCIC 09-CAT - Multiple Peril Catastrophic Crop Specific Coverage Risk Protection Endorsement Replanting Destroyed Crops ▪ Loss Adjustment Manual (LAM) Standards Optional Provisions Handbook Expiration of Insurance ▪ Crop Hail Insurance Policy General Oregon Amendatory Endorsement (2010- Provisions (NCIS 3) NCIS 3OR) ▪ NCIS 457 - Optional Fire and Lightning Multiple Peril Crop Insurance (MPCI) 20% Coverage on Crops Planted in Small Grain Policy Structure Crop, Stubble or Residue Priorities of Conflicts between ▪ Crop Hail Insurance Policy Jacket (NCIS 5) Provisions ▪ NCIS 646 - Crop-Hail Policy - Basic Form, Catastrophic Risk Protection Special Provisions (Idaho, Oregon, Utah, Endorsement Washington) Special Provisions ▪ Oregon Administrative Rules, Chapter 836 Basic Provisions - Department of Consumer and Business Services, Insurance Division Definitions Life of Policy, Cancellation and ▪ Oregon Revised Statutes Chapter 744 - Termination (Important Dates) Insurance Producers Coverage Levels and Price ▪ Oregon Revised Statutes Chapter 746 - Insurance Producers Contract Changes ▪ Oregon Statutes, Chapters 731, 734, 735 Acreage Reporting ▪ About the Risk Management Agency - Eligibility Program Aid 1667-02 Insureds ▪ 18 USC Chapter 47, Sections 1033 and Crops 1034

Ownership Share

Causes of Loss Replanting Provisions Loss Adjustment Responsibilities Insured Insurer Production Records Planting Coverage Late Prevented Written Agreements Transfer of Rights to Coverage Assignment of Indemnity Unit Structure Organic Farming Practices Inspections Mediation/Arbitration Claim Settlement Oversight Organizations 5% Federal Crop Insurance Corporation (FCIC) Risk Management Agency (RMA) National Crop Insurance Services (NCIS)

REFERENCE LIST FOR ADJUSTERS

57 OREGON INSURANCE EXAMINATION REGISTRATION FORM

Read the Candidate Information Bulletin before filling out this registration form. You must provide all information requested and submit the appropriate fee. PLEASE TYPE OR PRINT LEGIBLY. Registration forms that are incomplete, illegible, or not accompanied by the proper fee will be returned unprocessed. Registration fees are not refundable or transferable.

1. Legal Name: Last Name First Name Middle Name 2. Social Security: I I I I - ITJ - I I I I I (FOR IDENTIFICATION PURPOSES ONLY)

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14. Examination: You may only take one examination at a time; please check one. (*Includes Law)  Laws and Regulations ($45)  Life Insurance Producer* ($45)  Health Insurance Producer* ($45)  Life & Health Insurance Producer* ($55)  Crop Insurance Adjuster ($45)  Surplus Lines Insurance Producer ($45)  Health Insurance Adjuster ($45)  General Lines Insurance Adjuster ($45)  Life Insurance Consultant ($45)  Health Insurance Consultant ($45)  Life and Health Insurance Consultant ($55)  General Lines Insurance Consultant ($45)  Property Insurance Producer* ($45)  Casualty Insurance Producer* ($45)  Personal Lines Producer* ($45)  Property and Casualty Insurance Producer* ($55) Check one: FIRST TIME RETAKE   15. Total Fee Included: $______. You may pay by credit card, company check, cashier’s check or money order. Make check or money order payable to PSI and note your Social Security # on it. Cash and personal checks are not accepted. If paying by credit card, check one: ❑ VISA ❑ MasterCard ❑ American Express ❑ Discover

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