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Delaware Examination Content Outlines Insurance Supplement October 15, 2018 LIFE – GENERAL KNOWLEDGE a. Primary and contingent CONTENT OUTLINE b. Revocable and irrevocable c. Common disaster Product Knowledge, Terms, and Concepts d. Minor beneficiaries (50 scoreable questions plus 10 pretest questions) 7. Premium Payment a. Modes I. TYPES OF POLICIES ........................................................ 12 b. Grace period A. Traditional whole life products c. Automatic premium loan 1. Ordinary whole life d. Level or flexible 2. Limited-pay and single-premium life 8. Reinstatement B. Interest/market-sensitive/adjustable life products 9. Policy loans, withdrawals, partial surrenders 1. Universal life 10. Non-forfeiture options 2. Variable whole life 11. Dividends and dividend options (eg. participating, 3. Variable universal life non-participating) 4. Interest-sensitive whole life 12. Incontestability 5. Indexed life 13. Assignments C. Term life 14. Suicide 1. Types 15. Misstatement of age and gender a. Level 16. Settlement options b. Decreasing 17. Accelerated death benefits c. Return of premium C. Policy exclusions d. Annually renewable 2. Special features III. COMPLETING THE APPLICATION, UNDERWRITING, AND DELIVERING THE POLICES…. .......................... 12 a. Renewable A. Completing the application b. Convertible 1. Required signatures D. Annuities 2. Changes in the application 1. Single and flexible premium 3. Consequences of incomplete applications 2. Immediate and deferred 4. Warranties and representations 3. Fixed and variable 5. Collecting the initial premium and issuing the 4. Indexed receipt E. Combination plans and variations 6. Replacement 1. Joint life 7. Disclosures at point of sale (e.g., HIPAA, HIV 2. Survivorship life (second to die) consent) II. POLICY RIDERS, PROVISIONS, OPTIONS, AND 8. USA PATRIOT Act/anti-money laundering EXCLUSIONS B. Underwriting 18 1. Insurable interest A. Policy riders 2. Medical information and consumer reports 1. Waiver of premium and waiver of monthly 3. Fair Credit Reporting Act deduction 4. Risk classification 2. Guaranteed insurability 5. Stranger/Investor-owned life insurance 3. Payor benefit (STOLI/IOLI) 4. Accidental death and/or accidental death and C. Delivering the policy dismemberment 1. When coverage begins 5. Term riders 2. Explaining the policy and its provisions, riders, 6. Other insureds exclusions, and ratings to the client 7. Long term care D. Contract law 8. Return of premium 1. Elements of a contract B. Policy provisions and options 2. Unique aspects of the insurance contract 1. Entire contract a. Conditional 2. Insuring clause b. Unilateral 3. Free look c. Adhesion 4. Consideration d. Aleatory 5. Owner’s rights 6. Beneficiary designations Delaware Insurance Supplement - Examination Content Outlines October 15, 2018 S1 IV. TAXES, RETIREMENT, AND OTHER INSURANCE B. Marketing Practices .............................................. 5 CONCEPTS ...................................................................... 8 1. Duties of licensed personnel A. Third-party ownership 2. Record keeping B. Viatical Settlements Ref: 1707(m) C. Life Settlements 3. Compensation of licensees D. Group life insurance Ref: 1714 1. Conversion privilege 4. Termination, suspension, fines 2. Contributory vs. noncontributory C. Insurance Commissioner ..................................... 3 E. Retirement plans 1. Election and term 1. Qualified plans Ref: 301 2. Nonqualified plans 2. General powers and duties F. Life insurance needs analysis/suitability Ref: 309, 310, 311 1. Personal insurance needs 3. Examination of insurers and producers 2. Business insurance needs Ref: 318, 319, 322, 2306 a. Key person 4. Hearings b. Buy sell Ref: 323, 327, 328, 2307 G. Social Security benefits 5. Cease and desist orders and penalties H. Tax treatment of insurance premiums, proceeds, Ref: 2308, 2311 and dividends 6. General penalties 1. Individual life Ref: 106, 1712 2. Group life 3. Modified Endowment Contracts (MECs) II. DELAWARE STATUTES, RULES, REGULATIONS, AND BULLETINS COMMON TO BOTH LIFE AND HEALTH INSURANCE ................................................. 5 LIFE–STATE SPECIFIC A. Credit Life and Health CONTENT OUTLINE Ref: 3702-3706, 3713, Regulation 1901 State Statutes, Rules, and Regulations B. Life and Health Guaranty Association Act (40 scoreable questions plus 6 pretest questions) Ref: 4401, 18 Del. C. Chapter 44 Ref: All references are to sections in Title 18, Chapter 17 unless III. DELAWARE STATUTES, RULES, REGULATIONS, otherwise noted. AND BULLETINS PERTINENT TO LIFE INSURANCE ONLY ...................................................... 10 I. DELAWARE STATUTES, REGULATIONS, AND BULLETINS PERTINENT TO LIFE, ACCIDENT AND A. Life insurance standard provisions HEALTH, PROPERTY AND CASUALTY Ref: 2901-2915 INSURANCE ................................................................. 13 B. Annuity and endowment contracts standard A. License Regulations .............................................. 5 provisions 1. Persons required to be licensed and Ref: 2918-2924 responsibilities C. Standard Nonforfeiture Law a. Producer/Agent Ref: 2929 b. Producer/Consultant D. Prohibited policies Ref: 1702 (i) Ref: 2933 2. License requirements E. Policy replacement a. Fees and application Ref: Regulation 1204 b. Prerequisites F. Life insurance solicitation c. Written examinations and exemptions Ref: Regulation 1203 d. Exemptions from licensing G. Group life insurance e. Insurer’s appointment 1. Types of groups 3. Authority Ref: 3101, 3106, 3107, 3109, 3110 a. Definitions 2. Dependent coverage Ref: 902–908 Ref: 3111 b. License requirements 3. Required provisions Ref: Title 18 Chapter 17 Ref: 3111 through 3125 c. Lines of authority 4. Employee life insurance d. Termination of appointment Ref: 3102 4. Notice of address change IV. INSURANCE ETHICS ................................................... 12 5. Continuing education Ref: Regulation 504 Delaware Insurance Supplement - Examination Content Outlines January 1, 2016 *The Delaware Motor Vehicle Producer exam was retired as of October 12, 2015. S2 Ref: In addition to specific cites listed from Title 18, it is 3. Business disability buyout policy recommended that the candidate review the following study 4. Group disability income policy materials: Title 18 – Chapters 17, 23 & 24, Regulation 904, 5. Key employee policy Ethics (Kaplan), Ethical Practices (Kaplan), Ethics for the B. Accidental death and dismemberment Insurance Professional (Kaplan), Ethics For the Field of C. Medical expense insurance Insurance (Cape Education, Inc.). 1. Basic hospital, medical, and surgical policies A. Definitions 2. Major medical policies 1. Market Conduct 3. Health Maintenance Organizations (HMOs) 2. Authority 4. Preferred Provider Organizations (PPOs) a. Express 5. Point of Service (POS) plans b. Implied 6. Flexible Spending Accounts (FSAs) c. Apparent 7. High Deductible Health Plans (HDHPs) and related 3. Agency versus individual licensee Health Savings Accounts (HSAs) Ref: Title 18 Chapter 17, 1714 D. Medicare supplement policies 4. Suitability E. Group insurance 5. Ethical behavior and good moral standards 1. Differences between individual and group contracts B. Market Conduct examination 2. General characteristics C. Binding coverage 3. COBRA D. Disclosure letters and forms F. Individual/Group Long Term Care (LTC) E. Errors and Omissions insurance G. Other policies F. Unfair practices 1. Dental Ref: 2303, 2304, 2305, 2315, 2316, Regulation 902 2. Vision 1. Twisting 3. Cancer 2. Churning 4. Critical illness or specified disease 3. Commingling 5. Worksite (employer-sponsored) 4. Misrepresentation 6. Hospital indemnity 5. Defamation 7. Short-term medical 6. Coercion and intimidation 8. Accident Ref: 2304(4) II. POLICY PROVISIONS, CLAUSES, AND RIDERS ........... 20 7. Unfair discrimination A. Mandatory and optional provisions 8. Rebating 1. Entire contract 9. Unfair claims settlement practices 2. Time limit on certain defenses (incontestable) Ref: Chapter 23 3. Grace period 10. Coercion of debtors 4. Reinstatement Ref: 2305(a) 5. Notice of claim 11. Publicized Founded Complaints 6. Claim forms Ref: 907 7. Proof of loss G. Insurance fraud and Fraud Prevention Bureau 8. Time of payment of claims Ref: Chapter 24 9. Payment of claims H. Advertisement procedures 10. Physical examination and autopsy I. Privacy 11. Legal actions J. Conflict of issues and producer’s 12. Change of beneficiary responsibilities 13. Misstatement of age or sex 14. Change of occupation ACCIDENT & HEALTH – GENERAL 15. Illegal occupation KNOWLEDGE 16. Relation of earning to insurance CONTENT OUTLINE B. Other provisions and clauses 1. Insuring clause Product Knowledge, Terms, and Concepts 2. Free look (50 scoreable questions plus 10 pretest questions) 3. Consideration clause 4. Probationary period I. TYPES OF POLICIES ........................................................ 14 5. Elimination period A. Disability income 6. Waiver of premium 1. Individual disability income policy 7. Exclusions and limitations 2. Business overhead expense policy 8. Preexisting conditions Delaware Insurance Supplement - Examination Content Outlines January 1, 2016 *The Delaware Motor Vehicle Producer exam was retired as of October 12, 2015. S3 9. Coinsurance b. Unilateral 10. Deductibles c. Adhesion 11. Eligible expenses d. Aleatory 12. Copayments 13. Pre-authorizations and prior approval requirements ACCIDENT & HEALTH 14. Usual, reasonable, and customary (URC) charges 15. Lifetime, annual, or per cause maximum benefit STATE
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